Solid health care waste management status at health care centers in the West Bank - Palestinian Territory

International Nuclear Information System (INIS)

Al-Khatib, Issam A.; Sato, Chikashi

2009-01-01

Health care waste is considered a major public health hazard. The objective of this study was to assess health care waste management (HCWM) practices currently employed at health care centers (HCCs) in the West Bank - Palestinian Territory. Survey data on solid health care waste (SHCW) were analyzed for generated quantities, collection, separation, treatment, transportation, and final disposal. Estimated 4720.7 m 3 (288.1 tons) of SHCW are generated monthly by the HCCs in the West Bank. This study concluded that: (i) current HCWM practices do not meet HCWM standards recommended by the World Health Organization (WHO) or adapted by developed countries, and (ii) immediate attention should be directed towards improvement of HCWM facilities and development of effective legislation. To improve the HCWM in the West Bank, a national policy should be implemented, comprising a comprehensive plan of action and providing environmentally sound and reliable technological measures.

Leadership networks in Catholic parishes: implications for implementation research in health.

Science.gov (United States)

Negrón, Rosalyn; Leyva, Bryan; Allen, Jennifer; Ospino, Hosffman; Tom, Laura; Rustan, Sarah

2014-12-01

Through two case studies of Catholic parishes in Massachusetts, this study explores the implications of leader-centered versus distributed leadership in Catholic parishes for the implementation of evidence-based health interventions. The two parishes involved in the study differ from each other in several ways. In the first, parishioners are less engaged in leadership activities at the decision-making level in the parish. A small group of lay volunteers work with the parish priest and other ordained leaders on parish activities. In the second parish, a large and active lay volunteer leadership have forged an organizational structure that allows more independence from the pastor's direct oversight. In this parish, lay volunteer leaders are the prime drivers of organizational programs and events. In 2012-2013, three types of networks were assessed at each parish: discussion, collaboration, and outside-of-parish ties. The contrasts between each parish include differences in density of collaboration, in frequency of discussion, and network centrality of the respective parish priests. We further identified key actors in the network structures at each parish. We discuss the implications of these findings for understanding organizational capacity in the context of health program implementation. Copyright © 2014 Elsevier Ltd. All rights reserved.

Faith community/parish nursing: what's in a name?

Science.gov (United States)

Patterson, Deborah L; Slutz, Mary

2011-01-01

In the Christian faith tradition, using "Parish Nurse" to describe the form of nursing based in a Christian congregation is both historic and descriptive of the type of nursing specialty practice and ministry that reaches within the Church and out into the wider community. Reflecting on the work of Granger Westberg, the Scope and Standards of Practice for this specialty, and examining the etiology of the word "parish," the authors argue that retaining the language "Parish Nurse"promotes a broader understanding of the purpose of this specialty practice, not only as inreach or outreach on behalf of a church or health system, but as a focused and integrated "parish" ministry.

The Roman Catholic parish in Poland as the local community

Directory of Open Access Journals (Sweden)

Mariański Janusz

2014-01-01

Full Text Available In the Roman Catholic Church a parish is the smallest legal unit and it is the milieu for religious, social, and cultural activities for a group of people joined together in a geographical area. The purpose of this article is a sociological study examining the Catholic parish in Poland as a local community. Today a parish along with its community is exposed to social change and to myriad forces characteristic of the postmodern culture. In Poland two opposite forces characterize the life of a parish community: on the one side, secularization and individualization, and on the other side, socialization and evangelization. The subjective dimension of a local community, which is related to identification of people with a local parish, along with social bonds with the parish as a local community, are discussed in the first two sections of the article. In subsequent sections some issues related to common activities, membership in movements, religious communities, and Catholic associations within the parish will be presented. While the agency of people in the parish community is theoretically acknowledged, it is still not fully implemented. The discussion is based on the data obtained from major public opinion institutes in Poland.

"On the Sidelines": Access to Autism-Related Services in the West Bank

Science.gov (United States)

Dababnah, Sarah; Bulson, Kathleen

2015-01-01

We examined access to autism-related services among Palestinians (N = 24) raising children with autism spectrum disorder (ASD) in the West Bank. Using qualitative methods, we identified five primary interview themes. Poor screening, diagnostic, and psychoeducational practices were prevalent, as parents reported service providers minimized parental…

Louisiana Parish Boundaries, Geographic NAD83, LDOTD (2007) [Parishes_LDOTD_2007

Data.gov (United States)

Louisiana Geographic Information Center — Louisiana Parish Boundaries approved by Resolution of the GIS Council on January 19, 2000. This is a region dataset depicting the polygon boundaries of the 64...

Outdoor radiofrequency radiation levels in the West Bank-Palestine.

Science.gov (United States)

Lahham, Adnan; Hammash, Alaa

2012-05-01

This work presents the results of exposure levels to radio frequency (RF) emission from different sources in the environment of the West Bank-Palestine. These RF emitters include FM and TV broadcasting stations and mobile phone base stations. Power densities were measured at 65 locations distributed over the West Bank area. These locations include mainly centres of the major cities. Also a 24 h activity level was investigated for a mobile phone base station to determine the maximum activity level for this kind of RF emitters. All measurements were conducted at a height of 1.7 m above ground level using hand held Narda SRM 3000 spectrum analyzer with isotropic antenna capable of collecting RF signals in the frequency band from 75 MHz to 3 GHz. The average value of power density resulted from FM radio broadcasting in all investigated locations was 0.148 μW cm(-2), from TV broadcasting was 0.007 μW cm(-2) and from mobile phone base station was 0.089 μW cm(-2). The maximum total exposure evaluated at any location was 3.86 μW cm(-2). The corresponding exposure quotient calculated for this site was 0.02. This value is well below unity indicating compliance with the International Commission on non-ionising Radiation protection guidelines. Contributions from all relevant RF sources to the total exposure were evaluated and found to be ~62 % from FM radio, 3 % for TV broadcasting and 35 % from mobile phone base stations. The average total exposure from all investigated RF sources was 0.37 μW cm(-2).

Effects of armed conflict on access to emergency health care in Palestinian West Bank

DEFF Research Database (Denmark)

Rytter, Maren Johanne Heilskov; Kjaeldgaard, Anne-Lene; Brønnum-Hansen, Henrik

2006-01-01

, delay in access to hospital, and course of hospital contact. SETTING: Three hospital emergency departments in Bethlehem and Nablus, in the occupied Palestinian West Bank, during one week in each hospital. PARTICIPANTS: All patients seeking health care in the three hospitals during the study period...

Outdoor radiofrequency radiation levels in the West Bank-palestine

International Nuclear Information System (INIS)

Lahham, A.; Hammash, A.

2012-01-01

This work presents the results of exposure levels to radio frequency (RF) emission from different sources in the environment of the West Bank-Palestine. These RF emitters include FM and TV broadcasting stations and mobile phone base stations. Power densities were measured at 65 locations distributed over the West Bank area. These locations include mainly centres of the major cities. Also a 24 h activity level was investigated for a mobile phone base station to determine the maximum activity level for this kind of RF emitters. All measurements were conducted at a height of 1.7 m above ground level using hand held Narda SRM 3000 spectrum analyzer with isotropic antenna capable of collecting RF signals in the frequency band from 75 MHz to 3 GHz. The average value of power density resulted from FM radio broadcasting in all investigated locations was 0.148 μW cm -2 , from TV broadcasting was 0.007 μW cm -2 and from mobile phone base station was 0.089 μW cm -2 . The maximum total exposure evaluated at any location was 3.86 μW cm -2 . The corresponding exposure quotient calculated for this site was 0.02. This value is well below unity indicating compliance with the International Commission on non-ionising Radiation protection guidelines. Contributions from all relevant RF sources to the total exposure were evaluated and found to be ∼62 % from FM radio, 3 % for TV broadcasting and 35 % from mobile phone base stations. The average total exposure from all investigated RF sources was 0.37 μW cm -2 . (authors)

Connecting congregations: technology resources influence parish nurse practice.

Science.gov (United States)

Zerull, Lisa M; Near, Kelly K; Ragon, Bart; Farrell, Sarah P

2009-01-01

This descriptive pilot study evaluated the influence of health resource information education and the use of Web-based communication technology on the professional practice of the parish nurse in the congregational setting. Five parish nurse participants from varied denominations in rural and nonrural Virginia received a laptop computer, printer, video projector, and webcam along with high-speed Internet access in each congregational setting. The nurses attended two group education sessions that incorporated computer applications and training in accessing and using quality health information resources and communication applications such as a group "chat" software and webcam to communicate with others through high-speed Internet access. Qualitative analysis from semistructured interviews of nurses confirmed that participants found the project to be beneficial in terms of awareness, education, and applicability of technology use in parish nurse practice. Quantitative data from preproject and postproject surveys found significant differences in nurses' abilities and confidence with technology use and application. Findings showed that the knowledge and experience gained from this study enhanced parish nurse practice and confidence in using technology for communication, health education, and counseling.

Charismatic Practice and Catholic Parish Life

DEFF Research Database (Denmark)

Thorsen, Jakob Egeris

In Charismatic Practice and Catholic Parish Life - the Incipient Pentecostalization of the Church in Guatemala and Latin America, Jakob Egeris Thorsen offers a detailed ethnographic and theological analysis of the impact of the Catholic Charismatic Renewal on the Catholic Church in the region....... Based on fieldwork, this interdisciplinary study examines how Charismatic practice and spirituality permeate both local parish life and the pastoral plans of the Catholic Church in Guatemala and Latin America. The Charismatic Renewal is the largest lay movement in Latin America and has a profound...

Was it possible to reform the Orthodox parish in 1890-s? The diocesan hierarchs on the transformation of the parish council of trustees (prihodskie popechitel’stva

Directory of Open Access Journals (Sweden)

Beglov Aleksandr

2014-12-01

Full Text Available In the article for the fi rst time in historiography the reviews of the diocesan bishops of the prospects of the reform of the parish council of trustees (prihodskie popechitel’stva at Orthodox churches are analysed in details. These reviews were submitted on request of the Ober-Procurator in the 1890s and they are analysed in the context of a more general transformation of the Orthodox parish, planned by K.P. Pobedonostsev. The reviews of the diocesan authorities about the possibilities of reforming the parish council of trustees were in fact revealing their attitude on the possibility of the parish reform in general. The author comes to the conclusion that the main idea of the reviews was to give the council of trustees more «church» character. The hierarchs saw two ways of realising this task. One of them could be called the administrative way, another one — the more natural one. The majority of hierarchy was in favor of the fi rst approach. They wanted to include the council of trustees in the existing system of diocesan administration, but subordinating them to the administrative control of the deans and the Consistory. Another group of hierarchs, which constituted the tenth part of all, who had submitted the reports, saw it necessary to transform the council of trustees into the voluntary parish brotherhoods, thereby choosing the religious active backbone of the parish. It is clear from the reports that they considered the experience of the Western Slavonic brotherhoods and the orthodox charity organisations which existed in America. However, neither of these projects was capable of solving the most important problem of parish life, that is the effi ciency of the parish economy, which was largely dependent on decisions of the peasant community. Bishops considered it possible to seek the help of the civil authorities in collecting the money from the parishioners. And only few were ready to give the parish organization the rights to be

Insight into the Fulnek Church and Parish Medieval Building Chronology

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Augustinková Lucie

2017-06-01

Full Text Available The church of the Holy Trinity and parish in Fulnek was for nearly four centuries an Augustinian canonry and collegiate church (1293-1389. The medieval church and parish building chronology, however, have not been thus far established. From research between 2015 and 2016 we have been able to identify medieval portions of the buildings, clarify the site medieval construction phases and date the parish buildings (formerly the canonry from dendrochronological analysis of embedded wooden scaffolding.

Estimation of main greenhouse gases emission from household energy consumption in the West Bank, Palestine

International Nuclear Information System (INIS)

Abu-Madi, Maher; Rayyan, Ma'moun Abu

2013-01-01

The main GHGs (CO 2 , NO x , and SO 2 ) have been quantified based on national energy and population statistics. The results show that the contribution of households' energy consumption in the West Bank to global CO 2 emission is about 0.016%, while contribution of total energy consumption by all sectors is about 0.041%. The results show that wood is the most polluting energy source in terms of CO 2 and NO x emission, while electricity is the most polluting source in terms of SO 2 . Other sources like diesel, kerosene, and LPG that contribute to the GHGs emission are also quantified. The total amounts of CO 2 , NO x , and SO 2 by households in the West Bank are 4.7 million tonne per year, 3.02 thousand tonne per year, and 2.23 thousand tonne per year respectively. This study presents a set of measures that might help in reducing the level of GHGs emission and protect the environment. -- Highlights: •We quantified the CO 2 , NO x , and SO 2 based on national statistics. •Wood is the most polluting in terms of CO 2 and NO x emission. •Electricity is the most polluting in terms of SO 2 emission. •Households' energy consumption contributes with 0.016% to global CO 2 emission. •We present key measures to reduce GHGs emission and protect the environment. -- The most polluting energy sources that produce most of the CO 2 and SO 2 emissions in the West Bank are wood and electricity

Molecular Detection and Identification of Spotted Fever Group Rickettsiae in Ticks Collected from the West Bank, Palestinian Territories.

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Suheir Ereqat

2016-01-01

Full Text Available Tick-borne rickettsioses are caused by obligate intracellular bacteria belonging to the spotted fever group (SFG rickettsiae. Although Spotted Fever is prevalent in the Middle East, no reports for the presence of tick-borne pathogens are available or any studies on the epidemiology of this disease in the West Bank. We aimed to identify the circulating hard tick vectors and genetically characterize SFG Rickettsia species in ixodid ticks from the West Bank-Palestinian territories.A total of 1,123 ixodid ticks belonging to eight species (Haemaphysalis parva, Haemaphysalis adleri, Rhipicephalus turanicus, Rhipicephalus sanguineus, Rhipicephalus bursa, Hyalomma dromedarii, Hyalomma aegyptium and Hyalomma impeltatum were collected from goats, sheep, camels, dogs, a wolf, a horse and a tortoise in different localities throughout the West Bank during the period of January-April, 2014. A total of 867 ticks were screened for the presence of rickettsiae by PCR targeting a partial sequence of the ompA gene followed by sequence analysis. Two additional genes, 17 kDa and 16SrRNA were also targeted for further characterization of the detected Rickettsia species. Rickettsial DNA was detected in 148 out of the 867 (17% tested ticks. The infection rates in Rh. turanicus, Rh. sanguineus, H. adleri, H. parva, H. dromedarii, and H. impeltatum ticks were 41.7, 11.6, 16.7, 16.2, 11.8 and 20%, respectively. None of the ticks, belonging to the species Rh. bursa and H. aegyptium, were infected. Four SFG rickettsiae were identified: Rickettsia massiliae, Rickettsia africae, Candidatus Rickettsia barbariae and Candidatus Rickettsia goldwasserii.The results of this study demonstrate the geographic distribution of SFG rickettsiae and clearly indicate the presence of at least four of them in collected ticks. Palestinian clinicians should be aware of emerging tick-borne diseases in the West Bank, particularly infections due to R. massiliae and R. africae.

Cultural Resources Investigations of the East and West Bayou Sale Tie-In Levee, St. Mary Parish, Louisiana.

Science.gov (United States)

1998-10-01

Mendez , and Tara Bond 1994 Archaeological Data Recovery at Ashland-Belle Helene Plantation (16AN26), Ascension Parish, Louisiana, Volume III... Caro - lina. Miller, Daniel 1987 Material Culture and Mass Consumption. Basil Blackwell, Oxford, UK. Miller, Daniel and Christopher Tilley 1984...Jones, R. Mendez , H. Franks, and T. Bond. Volume 1, pp. II- I - 1 1-40. Submitted to the Louisiana Division of Archaeology, Baton Rouge. Weinstein

Spiritual care in Christian parish nursing.

Science.gov (United States)

van Dover, Leslie; Pfeiffer, Jane Bacon

2007-01-01

This paper reports the development of a substantive theory to explain the process parish nurses use to provide spiritual care to parishioners in Christian churches in a context where patients and nurses share a common set of values. Despite a surge of interest in spirituality and spiritual care in nursing, consensus is lacking on how care should be conceptualized and provided. Grounded theory method was used to explore and describe the processes 10 American parish nurses experienced and used as they gave spiritual care. Data were collected between 1998 and 2001. Participants were interviewed and audiotapes transcribed verbatim. Constant comparative methods were used to analyse more than 50 separate incidents reported by the nurses. From its initial emergence as the core category, 'Bringing God Near' became a Basic Social Process theory of giving spiritual care for these parish nurses. This Basic Social Process became a theory through writing theoretical memos that described how the 'main concern' of the nurses to give spiritual care was resolved. Phases within the process include: trusting God, forming relationships with the patient/family, opening to God, activating/nurturing faith and recognizing spiritual renewal or growth. The essence is bringing God near to people as they face health challenges. Findings from the study and spiritual care literature are integrated in the discussion. The parish nurses' spiritual challenge is to respond to what God is directing the nurse to be and do to strengthen people spiritually. This spiritual care can help restore the patient's sense of well-being, and encourage growth in faith. Those interested in providing and teaching spiritual care in the church context will find this theory useful as a conceptual guide.

The effect of smoking on the healthy life expectancy of Palestinian men in the West Bank

DEFF Research Database (Denmark)

Brønnum-Hansen, Henrik; Jonassen, Marie; Shaheen, Amira

2018-01-01

differed between Palestinians living in and outside refugee camps. Methods: The study was based on representative samples of Palestinians living in the occupied Palestinian territory (West Bank and Gaza Strip), aged 25 years and older, collected by the Palestinian Central Bureau of Statistics in 2006...

Gulf-Wide Information System, Environmental Sensitivity Index Parishes, Geographic NAD83, LDWF (2001) [esi_parish_LDWF_2001

Data.gov (United States)

Louisiana Geographic Information Center — This data set contains boundaries for parishes in coastal Louisiana. Feature-specific contact, type, and source information are stored in relational data tables...

Long-Term Monitoring at the East and West Flower Garden Banks National Marine Sanctuary 2002-2006, (NODC Accession 0012632)

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — The Long-Term Monitoring at the East and West Flower Garden Banks National Marine Sanctuary 2002-2006 data include biological and oceanographic measurements...

Parish nursing: a unique resource for community and district nurses.

Science.gov (United States)

Wordsworth, Helen; Moore, Ros; Woodhouse, Daphne

2016-02-01

This paper examines the effect of parish nursing as a faith community initiative to support the work of district and community nurses and improve health outcomes. It discusses the reasons why faith communities might embark upon health initiatives, and describes the practice of parish nursing and its history and development in the UK. With reference to both quantitative and qualitative outcomes, the relevance of the practice in the UK health scene is assessed. The paper suggests that connecting with the third sector through parish nursing could enhance the work of community and district nurses; this would present additional sources of holistic care and health promotion and can be offered in an optional but complementary manner to the care provided through the NHS.

Genetic characterization of Mycobacterium tuberculosis in the West Bank, Palestinian Territories

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Ereqat Suheir

2012-06-01

Full Text Available Abstract Background The World Health Organization (WHO declared human tuberculosis (TB a global health emergency and launched the “Global Plan to Stop Tuberculosis” which aims to save a million lives by 2015. Global control of TB is increasingly dependent on rapid and accurate genetic typing of species of the Mycobacterium tuberculosis (MTB complex including M. tuberculosis. The aim of this study was to identify and genetically characterize the MTB isolates circulating in the West Bank, Palestinian Territories. Genotyping of the MTB isolates from patients with pulmonary TB was carried out using two molecular genetic techniques, spoligotyping and mycobacterial interspersed repetitive units-variable number of tandem repeat (MIRU-VNTR supported by analysis of the MTB specific deletion 1 (TbD1. Findings A total of 17 MTB patterns were obtained from the 31 clinical isolates analyzed by spoligotyping; corresponding to 2 orphans and 15 shared-types (SITs. Fourteen SITs matched a preexisting shared-type in the SITVIT2 database, whereas a single shared-type SIT3348 was newly created. The most common spoligotyping profile was SIT53 (T1 variant, identified in 35.5 % of the TB cases studied. Genetic characterization of 22 clinical isolates via the 15 loci MIRU-VNTR typing distinguished 19 patterns. The 15-loci MIT144 and MIT145 were newly created within this study. Both methods determined the present of M. bovis strains among the isolates. Conclusions Significant diversity among the MTB isolates circulating in the West Bank was identified with SIT53-T1 genotype being the most frequent strain. Our results are used as reference database of the strains circulating in our region and may facilitate the implementation of an efficient TB control program.

Exploring the Determinants of Consumer Behavior in West Bank, Towards Domestic and Imported Dairy Products

OpenAIRE

Mansoor Maitah; Rami Hodrab; Karel Malec; Sawsan Abu Shanab

2015-01-01

This paper aims to investigate factors influencing the purchasing behavior of Palestinian customers towards domestic and imported dairy products (Israeli and foreign). The secondary data were obtained from the competent authorities. On the other hand, primary data were gathered by utilizing personal interviews and questionnaires. 450 questionnaires were distributed to all governorates of the West Bank. It has been concluded from statistical results that middle-income households concern mainly...

Meanings of Education under Occupation: The Shifting Motivations for Education in Palestinian Refugee Camps in the West Bank

Science.gov (United States)

Pherali, Tejendra; Turner, Ellen

2018-01-01

Despite being a protracted refugee crisis that entails international debates and controversies, discussions about Palestinian education have frequently sidelined the perspectives, needs and priorities of the Palestinian refugee population. Drawing upon a qualitative study in the West Bank and engaging with theoretical ideas of Johan Galtung, Paulo…

Constraining formation of the Eggvin Bank (West of Jan Mayen, N. Atlantic) from OBS data

Science.gov (United States)

Tan, P.; Breivik, A. J.; Mjelde, R.; Azuma, R.

2015-12-01

The anomalously high magma flux in the Eggvin Bank area has triggered new research efforts to better understand the crustal development in this area. The Eggvin Bank is located between the Jan Mayen Island and the west coast of Greenland. Some proposed origins of the Eggvin Bank are: a distinct plume located beneath Jan Mayen; an extension of the Iceland plume; minor spreading or leakage along West Jan Mayen Fracture Zone (WJMFZ); intruded continental crust extending from Jan Mayen Microcontinent (JMMC); and rifted Greenland sub-continental lithospheric mantle. In this first modern refraction seismic study of the Eggvin Bank, we present a 2D velocity model based on OBS data. The OBSs were deployed approx. N-S over the Eggvin Bank with good data quality constrained by 4 OBSs. The air-gun array used during OBS shooting produced good quality reflection data. Three distinct seamounts are observed along the profile: the northern seamount (water depth 730m), has a flat top with a thin sedimentary veneer on top, which indicates it has been eroded at sea surface; while the southern two seamounts, one (water depth 550m) is less flat with around 100m thick sedimentary units on top, another one is rounded with tiny sedimentary veneer on top having the shallowest water depth (460m). This could suggest that the southern seamounts are younger, since they are shallower but without obvious signs that they were subaerially exposed. However, increased cooling of the lithosphere across the WJMFZ in the north may also contribute to depth differences. A normal fault offsetting sedimentary strata (~300 m) in the Greenland Basin indicates recent tectonic activity north of the Eggvin Bank. The velocity modeling shows crustal thickness with large variations, ranging from 8 km to 14 km, where crustal thickness changes of 4-5 km are associated with 20-30 km wide segments with thick crust under the seamounts. The crust consists of three oceanic crustal layers: upper crust (2.8km/s-4.8km

Hydrography, 2004, East Baton Rouge Parish, Louisiana

Data.gov (United States)

Louisiana Geographic Information Center — The Hydrography layer is an area geometry depicting the various water features that include the rivers, streams, creeks, lakes, etc of East Baton Rouge Parish.

Islamic Banking in the West : the Need for Islamic Banking in the Uk

OpenAIRE

Alowd, Jehad; Wodie, Astede

2013-01-01

The Islamic banking system has gained momentum worldwide. The last two decades have witnessed the emergence of Islamic banking as a viable banking system. This study is designed to investigate the awareness, needs, and motives of Muslims towards Islamic Banking in the UK. The objectives of the study are as follow; to find out the motives and needs of Muslims in the UK towards Islamic banking, to test Muslim's attitudes towards some of the principles of Islamic banking, and to find out the lev...

Green Bank Observatory (GBO)

Data.gov (United States)

Federal Laboratory Consortium — The largest fully steerable telescope in the world - the Robert C. Byrd Green Bank Telescope (GBT), began observations in Green Bank, West Virginia in 2000and is a...

The impact of smoking on expected lifetime with and without chronic disease among Palestinian men in the West Bank.

Science.gov (United States)

Brønnum-Hansen, Henrik; Jonassen, Marie; Shaheen, Amira; Duraidi, Mohammed; Qalalwa, Khaled; Jeune, Bernard

2018-06-01

The purpose of the study was to estimate life expectancy and the average lifetime with and without chronic disease among male never smokers, ex-smokers and smokers living in the West Bank of the occupied Palestinian territory. The study used a life table for the West Bank male population and Danish relative risk estimates for death for smokers and ex-smokers vs. never smokers and utilized data from the Palestinian Family Survey 2010. Expected lifetime with and without chronic disease was estimated and the contributions from the mortality and the morbidity effect to smoking related difference in average lifetime with and without chronic disease were assessed by decomposition. In the West bank 40% of the male population are smokers. Life expectancy of 15-year-old Palestinian men who would never start smoking was 59.5 years, 41.1 of which were expected to be without chronic disease. Ex-smokers could expect 57.9 years of remaining lifetime, 37.7 years of which without disease. For lifelong heavy smokers (> 20 cigarettes per day), the expected lifetime was reduced to 52.6 years, of which 38.5 years were without chronic disease. Of the total loss of 6.9 years of life expectancy among heavy smokers, the mortality effect accounted for 2.5 years without and 4.4 years with disease, whereas the morbidity effect was negligible. The high prevalence of smoking causes a considerable loss of life years and lifetime without chronic disease. We recommend the Palestinian health authorities to enforce the anti-smoking law.

Artful Teaching and Learning: The Bank Street Developmental-Interaction Approach at Midtown West School. Teaching for a Changing World: The Graduates of Bank Street College of Education

Science.gov (United States)

Intrator, Sam; Park, Soyoung; Lit, Ira

2015-01-01

This case study is one of five publications from the larger study, "Teaching for a Changing World: The Graduates of Bank Street College of Education." Established in 1989, Midtown West is a New York City public elementary school serving approximately 350 students from kindergarten through grade five. With the support of Tony Alvarado,…

Zoning, 2004, East Baton Rouge Parish, Louisiana

Data.gov (United States)

Louisiana Geographic Information Center — This is a graphical polygon dataset depicting the zoning boundaries of the East Baton Rouge Parish of the State of Louisiana. Zoning can be defined as the range of...

The Seabed and Shallow Geology Mapping of the Porcupine Bank, West of Ireland

Science.gov (United States)

Thébaudeau, B.; Monteys, X.; McCarron, S. G.

2016-02-01

The "Porcupine Bank" is a bathymetric high of over 40,000 km2 linked to the western shelf of Ireland which lies between 51-54° N and 11-15° W approximately 100 km west of Ireland. Water depths are as shallow as 145 m over the "Porcupine Ridge". The Bank's location on the north eastern fringe of the Atlantic Ocean, in a critical position between the shelf edge and the main land and along the line of the Polar Front, means it may contain significant indications of glacial/interglacial changes in northern hemisphere climate and in North Atlantic Ocean circulation. But it also means that it consists of strategically important marine environments with very likely future developmental pressures. Peer-reviewed publications on the geology of the Bank are very limited and this current state of knowledge will hamper any marine ecosystem research and protection. This paper will describe the first results of a research project aiming at filling the gap of our understanding of the region's shallow geology and subseabed resources and characteristics. As a first step, seabed geomorphology mapping using high resolution MBES and sub bottom data have highlighted a wealth of glacially derived features such as iceberg scours and elongated ridges whose formation could be directly influenced by the presence of ice on or nearby the bank. Other features interpreted as sand waves could help understand relict or modern currents. In addition to these surface features, this paper introduces recent geological mapping of the shallow stratigraphy of the bank using 2D seismic and sub bottom profiler data collected at a high density correlated with recently collected vibro-cores. The seismic units and corresponding lithofacies (some with radiocarbon dates) are consistently described and a regional correlation built.

Long-Term Monitoring at the East and West Flower Garden Banks National Marine Sanctuary in the Gulf of Mexico, 2002 (NCEI Accession 0127071)

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — The Long-Term Monitoring at the East and West Flower Garden Banks National Marine Sanctuary 2002-2006 data include biological and oceanographic measurements...

Waste Bank Revitalization in Palabuhanratu West Java

Science.gov (United States)

Samadikun, Budi Prasetyo; Handayani, Dwi Siwi; Laksana, Muhamad Permana

2018-02-01

Palabuhanratu Village has three waste banks, one of them was established since 2010, the others built in 2016. However, waste processing from the source is still not optimal, it's only reduced waste about 5% of the total waste generated to the final waste disposal site. The performance of waste banks is still minimal, because one waste bank can not serve the entire area of the village. Furthermore, organic waste processed by some communities of Palabuhanratu Village to be compost can not be a mass movement, due to the lack of public knowledge. The purpose of this research is to know the existing condition of waste management in Palabuhanratu Village and to formulate the revitalization of existing waste bank. The research used survey research method by using questionnaire, in depth interview, and observation. Analytical technique using quantitative and qualitative analysis. The findings of the research indicate that the residents of Palabuhanratu Village who often do waste sorting from the source only from the residents of RT 01 / RW 33. The number of existing temporary waste disposal site in Palabuhanratu Village is still lacking, so it requires addition up to 5 units that integrated with waste bank in this village.

Socioeconomic status and chronic disease in Palestinians living in and outside refugee camps in the West Bank and the Gaza Strip

DEFF Research Database (Denmark)

Jonassen, Marie; Shaheen, Amira; Duraidi, Mohammed

2018-01-01

differed between Palestinians living in and outside refugee camps. Methods: The study was based on representative samples of Palestinians living in the occupied Palestinian territory (West Bank and Gaza Strip), aged 25 years and older, collected by the Palestinian Central Bureau of Statistics in 2006...

Conflict and well-being: a comparative study of health-related quality of life, stress, and insecurity of university students in the West Bank and Jordan.

Science.gov (United States)

Asi, Yara M; Unruh, Lynn; Liu, Xinliang

2018-05-01

A significant body of research indicates that the conflict environment is detrimental to the quality of life and well-being of civilians. This study assesses the health-related quality of life, stress, and insecurity of the West Bank, which has been engaged in conflict for seven decades, in comparison to a demographically and culturally similar population in Jordan, a neighboring nation with no conflict. We expect the Jordanian sample to report better functioning. We collected 793 surveys from university students (mean age = 20.2) in Nablus, West Bank (398 [50.2%]) and Irbid, Jordan (395 [49.8%]). The survey instrument consisted of the SF-36 to measure HRQoL, the PSS-4 to measure stress, and an insecurity scale, along with demographic characteristics. Our findings indicate that outcomes in the West Bank were not significantly worse than in Jordan, and in some cases represented better functioning, especially in the SF-36 measures. Our counterintuitive results suggest that health and well-being outcomes are dependent on many factors in addition to conflict. For one, it may be that the better perceived health and well-being of the Palestinians is because they have developed a culture of resilience. Additionally, Jordanians are undergoing a period of instability due to internal struggles and surrounding conflicts.

Satellite Tracking of Humpback Whales in West Greenland

DEFF Research Database (Denmark)

Dietz, R.; Teilmann, J.; Heide-Jørgensen, M.-P.

In June 2000, 6 humpback whales (Megaptere novaeangliae) were tagged with satellite transmitters off West Greenland. Contact remained for up to 42 days. The tagging revealed that within the month of June, humpback whales off West Greenland moved between Fiskenæs Banke, Fyllas Banke, Tovqussaq Banke......, Sukkertop Banke and Lille Hellefiske Banke. The whales showed a preference for the continental slopes with depths less than 200 m, however, few dives were recorded down to 500 m. The whales had a preference for dives lasting 7-8 min. (15%) and no dives lasted longer than 15 min....

Planning in the Face of Power : Experiencing Power Dimensions in a Visioning Process in the West Bank and the Gaza Strip

NARCIS (Netherlands)

Gugerell, Katharina; Netsch, Stefan

2017-01-01

This article reflects on dimensions of power that occurred in visioning workshops with different stakeholder in the West Bank and in the Gaza Strip. The overall argument developed in the article is that the visioning process—especially signs of spatial and institutional dimensions of power—occurred

Long-Term Monitoring at the East and West Flower Garden Banks National Marine Sanctuary in the Gulf of Mexico, 2002-2006 (NODC Accession 0012632)

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — The Long-Term Monitoring at the East and West Flower Garden Banks National Marine Sanctuary 2002-2006 data include biological and oceanographic measurements...

Long-Term Monitoring at the East and West Flower Garden Banks National Marine Sanctuary in the Gulf of Mexico, November 2004 (NCEI Accession 0127073)

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — The Long-Term Monitoring at the East and West Flower Garden Banks National Marine Sanctuary 2002-2006 data include biological and oceanographic measurements...

Long-Term Monitoring at the East and West Flower Garden Banks National Marine Sanctuary in the Gulf of Mexico, August 2003 (NCEI Accession 0127072)

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — The Long-Term Monitoring at the East and West Flower Garden Banks National Marine Sanctuary 2002-2006 data include biological and oceanographic measurements...

Long-Term Monitoring at the East and West Flower Garden Banks National Marine Sanctuary in the Gulf of Mexico, June 2006 (NCEI Accession 0127075)

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — The Long-Term Monitoring at the East and West Flower Garden Banks National Marine Sanctuary 2002-2006 data include biological and oceanographic measurements...

Metro Council Districts, 2004, East Baton Rouge Parish, Louisiana

Data.gov (United States)

Louisiana Geographic Information Center — This is a graphical polygon dataset depicting the polygon boundaries of the twelve (12) Metropolitan Council Districts within the Parish of East Baton Rouge. The...

Long-Term Monitoring at the East and West Flower Garden Banks National Marine Sanctuary in the Gulf of Mexico, 2007-2008 (NODC Accession 0070125)

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — The Long-Term Monitoring at the East and West Flower Garden Banks 2007-2008 dataset includes biological and oceanographic measurements collected to satisfy the...

Recharge estimation in semi-arid karst catchments: Central West Bank, Palestine

Science.gov (United States)

Jebreen, Hassan; Wohnlich, Stefan; Wisotzky, Frank; Banning, Andre; Niedermayr, Andrea; Ghanem, Marwan

2018-03-01

Knowledge of groundwater recharge constitutes a valuable tool for sustainable management in karst systems. In this respect, a quantitative evaluation of groundwater recharge can be considered a pre-requisite for the optimal operation of groundwater resources systems, particular for semi-arid areas. This paper demonstrates the processes affecting recharge in Palestine aquifers. The Central Western Catchment is one of the main water supply sources in the West Bank. Quantification of potential recharge rates are estimated using chloride mass balance (CMB) and empirical recharge equations over the catchment. The results showing the spatialized recharge rate, which ranges from 111-216 mm/year, representing 19-37% of the long-term mean annual rainfall. Using Water Balance models and climatological data (e. g. solar radiation, monthly temperature, average monthly relative humidity and precipitation), actual evapotranspiration (AET) is estimated. The mean annual actual evapotranspiration was about 66-70% of precipitation.

Traditional Arabic Palestinian ethnoveterinary practices in animal health care: A field survey in the West Bank (Palestine).

Science.gov (United States)

Ali-Shtayeh, Mohammed S; Jamous, Rana M; Jamous, Rania M

2016-04-22

In Palestine, medicinal plants have continued to play a vital role in fulfilling animal healthcare needs of rural communities. However, these valuable resources are being depleted mainly due to over-harvesting, inappropriate agricultural practices (e.g., over use of herbicides), agricultural expansion, and over-grazing. Therefore, immediate action is required to conserve these resources and document the associated knowledge. The purpose of this study was, thus, to document and analyze information associated with medicinal plants that are used in managing animal health problems in the West Bank, Palestine. Ethnobotanical data were collected from Apr 2012 to Feb 2014 mainly using semi-structured interviews with informants sampled using purposive sampling technique and through field observations. The study revealed the use of 138 medicinal plant species in the West Bank for the treatment of several livestock diseases, of these 75 species representing 70 genera and 33 families were reported by 3 independent informants or above. Classification of the ethnoveterinary plant species cited by three informants or above used in a rank-order priority (ROP) based on their claimed relative healing potential has demonstrated that the following are the plants with the highest efficacy: Camellia sinenses, Teucrium capitatum, and Salvia fruticosa with ROPs of 97.1, 93.2, and 91.4, respectively, are used primarily to relieve gastric disorders. Gastrointestinal disorders is the disease group in the study area that scored the highest Informant consensus factor (ICF) value (0.90), followed by urinary, and reproductive disorders (0.89). Our study provided evidence that medicinal plants are still playing important role in the management of livestock diseases, and showed that ethnoveterinary plants used in animal health care in Palestine have been also recorded in human Traditional Arabic Palestinian Herbal Medicine (TAPHM), and demonstrated a strong link between human and veterinary

Serological and molecular survey of Leishmania parasites in apparently healthy dogs in the West Bank, Palestine

Directory of Open Access Journals (Sweden)

Hamarsheh Omar

2012-08-01

Full Text Available Abstract Background Canine visceral leishmaniasis (CVL is caused by Leishmania infantum in all Mediterranean countries. The Leishmania parasite is transmitted by the bite of a corresponding sand fly vector and primarily maintained in nature by wild and domestic reservoirs, including dogs, foxes and jackals. Infected dogs are the primary reservoir host in endemic regions and are the most significant risk disposing humans to infection. The present study aimed at assessing the prevalence of infection with Leishmania and identification of Leishmania infantum in domestic dogs in the West Bank, Palestine. Methods The infection rate among domestic dogs collected from seven districts in the Palestinian West Bank was investigated by examination of parasites in culture from the buffy coat using serological and molecular methods; based on ELISA, internal transcribed spacer 1 (ITS1 and cysteine protease (CPB PCR. Results Out of 215 dogs examined for Leishmania, 36 (16.7% were positive in at least one method. Twenty three animals (11.5% were positive for Leishmania DNA, whereas, ELISA and culture revealed 16 (7.5%, and 4 (1.5% respectively. CPB-PCR on one of three culture-positive isolates revealed Leishmania infantum as the causative agent for Leishmania infection in dogs. Conclusions Our study showed that canine leishmania infection is prevalent with varying degrees in all the seven studied districts in Palestine despite the absence of human VL cases in 4 of these districts. The causative agent was confirmed to be Leishmania infantum.

Using community-based participatory research in parish nursing: a win-win situation!

Science.gov (United States)

Maitlen, Lynn A; Bockstahler, Amie M; Belcher, Anne E

2012-01-01

Parish nurses contribute to community health through the expertise and programming they provide to and through faith communities. Application of community-based participatory research (CBPR) principles helps develop, implement, and evaluate effective community interventions. University graduate students partnered with a Hospital Parish Nurse Program (HPNP) in an urban community to provide assessment data in a CBPR project that led the HPNP to focus resources and interventions on high obesity rates. The HPNP utilized data to write grant proposals to expand community services to impact obesity.

78 FR 46677 - Environmental Impact Statement; Calcasieu Parish, LA

Science.gov (United States)

2013-08-01

... DEPARTMENT OF TRANSPORTATION Federal Highway Administration Environmental Impact Statement...: The Federal Highway Administration is issuing this notice to advise the public that an Environmental Impact Statement (EIS) will be prepared for a proposed transportation project in Calcasieu Parish...

Non-steroidal anti-inflammatory drugs and antibiotics prescription trends at a central west bank hospital.

Science.gov (United States)

Tayem, Yasin I; Qubaja, Marwan M; Shraim, Riyad K; Taha, Omar B; Abu Shkheidem, Imadeddin A; Ibrahim, Murad A

2013-11-01

We aimed to reliably describe the pattern of outpatient prescription of non-steroidal anti-inflammatory drugs (NSAIDs) and antibiotics (ATBs) at a central hospital in the West Bank, Palestine. This was a retrospective, cross-sectional study investigating a cohort of 2,208 prescriptions ordered by outpatient clinics and the emergency room over one year in Beit Jala Hospital in Bethlehem, West Bank. The orders were analysed for the rate and types of NSAIDs and ATBs utilised, and the appropriateness of these drugs to the diagnosis. Of the total prescriptions, 410 contained NSAIDs (18.6%), including diclofenac (40.2%), low dose aspirin (23.9%), ibuprofen (17.8%) and indomethacin (15.1%). A minority of these prescriptions contained a combination of these agents (2.5%). Only one prescription contained cyclooxyeganse-2 inhibitors (0.2%). The appropriateness of NSAID use to the diagnosis was as follows: appropriate (58.3%), inappropriate (14.4%) and difficult to tell (27.3%). The rate of ATB use was 30.3% (669 prescriptions). The ATBs prescribed were amoxicillin (23.3%), augmentin (14.3%), quinolones (12.7%), first and second generation cephalosporins (9.4% and 12.7%, respectively) and macrolides (7.2%). ATB combinations were identified in 9.4%, with the most common being second-generation cephalopsorins and metronidazole (4.3%). Regarding the appropriateness of prescribing ATBs according to the diagnosis, it was appropriate in 44.8%, inappropriate in 20.6% and difficult to tell in 34.6% of the prescriptions. These findings revealed a relatively large number and inappropriate utilisation of ATBs and NSAIDs. An interventional programme needs to be adopted to reinforce physicians' knowledge of the rational prescription of these agents.

Long-Term Monitoring at the East and West Flower Garden Banks National Marine Sanctuary in the Gulf of Mexico, June and November 2005 (NCEI Accession 0127074)

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — The Long-Term Monitoring at the East and West Flower Garden Banks National Marine Sanctuary 2002-2006 data include biological and oceanographic measurements...

The effect of smoking on the healthy life expectancy of Palestinian men in the West Bank: a cross-sectional study.

Science.gov (United States)

Brønnum-Hansen, Henrik; Jonassen, Marie; Shaheen, Amira; Duraidi, Mohammed; Qalalwa, Khaled; Jeune, Bernard

2018-02-21

The high prevalence of smoking (40%) in men living in the West Bank of the occupied Palestinian territory is a major challenge for the Palestinian health authorities. The aim of this study was to estimate life expectancy and the average lifetime with and without chronic disease in men living in the West Bank who had never smoked, were ex-smokers, or were smokers. We used a life table for the male population in the West Bank and Danish relative risk estimates for death for smokers and ex-smokers versus never smokers and data from the 2010 Palestinian Family Survey. We estimated expected life time with and without chronic disease, and the contributions from the mortality and morbidity effects to smoking-related differences in average lifetime with and without chronic disease were assessed by decomposition. The life expectancy of a Palestinian man aged 15 years who would never start smoking was 59·5 years, of which 41·1 years (95% CI 40·3-41·9) were expected to be without chronic disease. Ex-smokers could expect 57·9 years of remaining life time, 37·7 years (35·9-39·4) of which would be without chronic disease. For life-long heavy smokers, the expected lifetime was 52·6 years, of which 38·5 years (37·3-39·7) would be without chronic disease. Of the total loss of 6·9 years of life expectancy in heavy smokers, the mortality effect accounted for 2·5 years without disease and 4·4 years with disease, whereas the morbidity effect was negligible. The morbidity component of the decomposition accounted for 1·7 years with disease for moderate smokers and 2·9 years without disease for ex-smokers. The high prevalence of smoking causes a considerable loss of life-years and life time without chronic disease. We recommend that the Palestinian health authorities enforce an anti-smoking law. None. Copyright © 2018 Elsevier Ltd. All rights reserved.

Health expectancy in the occupied Palestinian territory: estimates from the Gaza Strip and the West Bank: based on surveys from 2006 and 2010

DEFF Research Database (Denmark)

Qlalweh, Khaled; Duraidi, Mohammed; Brønnum-Hansen, Henrik

2012-01-01

Strip and the West Bank. Participants: 17 034 and 38 071 adults aged 20 or over participating the Palestinian Family Health Surveys of 2006 and 2010. Death rates for 2007 and 2010 covered the entire population. Outcome measures: Life expectancy and expected lifetime with and without chronic disease were...

Towards sustainable groundwater management in Karst aquifers in semi-arid environments: Central West Bank, Palestine

Science.gov (United States)

Jebreen, H.; Banning, A.; Wohnlich, S.

2017-12-01

The Central West Bank (CWB) is characterized by karstified carbonate aquifers in the semiarid climate zone, where groundwater resources are frequently threatened by overexploitation and pollution. Despite often limited system knowledge, quantitative and qualitative factors such as groundwater recharge rate, aquifer parameters, flow and transport dynamics, anthropogenic impacts, and groundwater vulnerability need to be assessed. Therefore, sustainable groundwater use in the CWB is of critical importance. In the present study, we explore the scale of the groundwater problems in CWB as well as the possibility of sustainable management through different scenarios: 1) Managed aquifer recharge using a water balance model, stable isotopes (2H & 18O) and chloride mass balance, 2) Geochemical evolution and renewability of groundwater, and 3) Anthropogenic impacts. A total of 20 spring water samples were collected and analyzed for pH, electrical conductivity, total dissolved solids (TDS), hardness, major-ion chemistry (Cl-, HCO3-, SO42-, Na+, K+, Ca2+ and Mg2+), trace elements (Li, Be, Al, Ba, Tl, Pb, Bi, V, Cr, Mn, Fe, Co, Ni, Cu, Zn, Ga, Rb, Sr, Mo, Ag and Cd), microbiological data (total and fecal coliforms bacteria), and stable isotopes (2H & 18O). The results show a spatialized recharge rate, which ranges from 111-211 mm/year, representing 17-33 % of the long-term mean annual rainfall. The mean annual actual evapotranspiration was about 19-37 % of precipitation. The chemical composition of groundwater of the study area is strongly influenced by rock-water interaction, dissolution and deposition of carbonate and silicate minerals. Stable isotopes show that precipitation is the source of recharge to the groundwater system. All analyzed spring waters are suitable for irrigation but not for drinking purposes. This studýs results can serve as a basis for decision makers, and will lead to an increased understanding of the sustainable management of the Central West Bank

Profiles of refugee and non-refugee Palestinians from the West Bank and Gaza.

Science.gov (United States)

Al-qudsi, S S

2000-01-01

Relying on demographic and labor surveys which the Palestinian Central Bureau of Statistics collected in 1995, this article investigates the profile of West Bank and Gaza refugees. Refugees are better educated and have higher fertility than non-refugee Palestinians, but the difference is small. However, they have a significantly lower participation rate, a higher unemployment rate and a higher incidence of arrests and work stoppage than the corresponding rates among non-refugee Palestinians. A smaller proportion of Palestinians commute to work into the Israeli labor market and refugees earn lower wages than nonrefugees. Returns to investment in education are small for both groups. High fertility among refugees imposes a future challenge for policy makers in terms of resources required for the provision of appropriate education and health facilities. Employing future labor market entrants is another serious policy challenge.

Practice and Exploration of New Rural Construction in West Bank of Taiwan Strait Led by Spark Science and Technology

OpenAIRE

Li, Chaocan

2013-01-01

According to practice and exploration of spark program for 26 years in Quanzhou, the main model and their effects of new rural construction in west bank of Taiwan Strait led by spark science and technology were expounded. Six spark program systems were established, consisting of policy support guide, science and technology project lead, experts’ intelligence support, spark science and technology training, sci-tech information service and spark program demonstration. Five spark projects were...

Draft Environmental Impact Statement, West Bank Hurricane Protection Levee, Jefferson Parish, Louisiana.

Science.gov (United States)

1984-02-01

extensive fish- kills were observed within project area waterways during site investigations, sport fishing demand in the area remains high. No data is...Cardinalis cardinalis Northern house wren Troglodytes aedon Northern mockingbird Mimus polyglottos Northern parula Parula americana Northern shoveler

W.A. Parish Post Combustion CO₂ Capture and Sequestration Project Final Public Design Report

Energy Technology Data Exchange (ETDEWEB)

Armpriester, Anthony [Petra Nova Parish Holdings, Washington, DC (United States)

2017-02-17

The Petra Nova Project is a commercial scale post-combustion carbon dioxide capture project that is being developed by a joint venture between NRG Energy (NRG) and JX Nippon Oil and Gas Exploration (JX). The project is designed to separate and capture carbon dioxide from an existing coal-fired unit's flue gas slipstream at NRG's W.A. Parish Generation Station located southwest of Houston, Texas. The captured carbon dioxide will be transported by pipeline and injected into the West Ranch oil field to boost oil production. The project, which is partially funded by financial assistance from the U.S. Department of Energy will use Mitsubishi Heavy Industries of America, Inc.'s Kansai Mitsubishi Carbon Dioxide Recovery (KM-CDR(R)) advanced amine-based carbon dioxide absorption technology to treat and capture at least 90% of the carbon dioxide from a 240 megawatt equivalent flue gas slipstream off of Unit 8 at W.A. Parish. The project will capture approximately 5,000 tons of carbon dioxide per day or 1.5 million tons per year that Unit 8 would otherwise emit, representing the largest commercial scale deployment of post-combustion carbon dioxide capture at a coal power plant to date. The joint venture issued full notice to proceed in July 2014 and when complete, the project is expected to be the world's largest post-combustion carbon dioxide capture facility on an existing coal plant. The detailed engineering is sufficiently complete to prepare and issue the Final Public Design Report.

ATM Technology and Banking System in West African Sub-Region ...

African Journals Online (AJOL)

User

2011-04-19

Apr 19, 2011 ... bank account makes financial transactions a breeze by eliminating the waste of writing cheques or the dangers of carrying large sums of cash. The debit cards benefit both the card holders and the banks. Some of the benefits of ATM technology is bank decongestion, reduced cost of transactions for both ...

Ethnopharmacological survey of medicinal plants used by patients with psoriasis in the West Bank of Palestine.

Science.gov (United States)

Shawahna, Ramzi; Jaradat, Nidal Amin

2017-01-03

Psoriasis is a frequent skin inflammatory disorder that inflicts millions of patients around the globe. To meet their healthcare needs, patients with psoriasis often seek treatment outside the allopathic paradigm. Use of medicinal plants has emerged as one of the most common and preferred modalities of complementary and alternative medicine (CAM). The aim of this study was to investigate the use of medicinal plants by patients with psoriasis in the West Bank of Palestine. The current study was a questionnaire based cross-sectional descriptive study on the use of medicinal plants by psoriasis patients in the West Bank of Palestine. A sample of 149 patients with psoriasis who were visiting outpatient clinics responded to the questionnaire in face to face interviews. Medicinal plants were used by 81 (54.4%) patients with psoriasis. Patients used 33 medicinal plants belonging to 26 families. Plants belonging to Lamiaceae and Leguminosae were the most commonly used by the study patients. Aloe vera, Trigonella arabica, Catharanthus roseus and Anthemis cotula were the most frequently used medicinal plants to treat psoriasis. Leaves and fruits were the most commonly used parts by the study patients. Paste was the most commonly used form of preparation. The use of medicinal plants was significantly associated with age and monthly household income of the patients. Enhancement of immunity, improving conventional therapy and reduction of side effects were the most commonly self-reported reasons for using medicinal plants. Patients with psoriasis in Palestine seem to use medicinal plants as a CAM modality to manage their psoriasis. Many medicinal plants were commonly used by patients with psoriasis. More randomized clinical trials are needed to demonstrate safety and efficacy for the majority of these medicinal plants reported to be used by patients with psoriasis in Palestine.

Strategi Ekspansi Penyaluran Kredit UKM (Studi Kasus PT Bank BJB Tbk)

OpenAIRE

Hidayat, Ayat; Koesrindartoto, Deddy P

2013-01-01

Data of Bank Indonesia stated that Small Medium Enterprises (SME) loan portfolio by the end of April 2012 amounted to 20.65% of the total national banking loans. Currently the banks, ranging from the state owned banks, private banks, rural banks (BPR), joint venture banks, to foreign banks are competing to grab SME market. The reason is that the SME sector is a profitable and huge market. Bank BJB is one of the commercial banks based in West Java, where in the region, small medium enterprises...

Theoretical evaluation of electromagnetic emissions from GSM900 mobile telephony base stations in the West Bank and Gaza Strip-Palestine

International Nuclear Information System (INIS)

Lahham, Adnan; Abu Alkbash, Jehad; ALMasri, Hussien

2017-01-01

Theoretical assessments of power density in far-field conditions were used to evaluate the levels of environmental electromagnetic frequencies from selected GSM900 macrocell base stations in the West Bank and Gaza Strip. Assessments were based on calculating the power densities using commercially available software (RF-Map from Telstra Research Laboratories-Australia). Calculations were carried out for single base stations with multi-antenna systems and also for multiple base stations with multi-antenna systems at 1.7 m above the ground level. More than 100 power density levels were calculated at different locations around the investigated base stations. These locations include areas accessible to the general public (schools, parks, residential areas, streets and areas around kindergartens). The maximum calculated electromagnetic emission level resulted from a single site was 0.413 μW cm -2 and found at Hizma town near Jerusalem. Average maximum power density from all single sites was 0.16 μW cm -2 . The results of all calculated power density levels in 100 locations distributed over the West Bank and Gaza were nearly normally distributed with a peak value of ∼0.01% of the International Commission on Non-Ionizing Radiation Protection's limit recommended for general public. Comparison between calculated and experimentally measured value of maximum power density from a base station showed that calculations overestimate the actual measured power density by ∼27%. (authors)

THE PARISH AS AN OPEN SOCIETY

Directory of Open Access Journals (Sweden)

Constantin NECULA

2015-04-01

Full Text Available In all the thrill of the modern definitions of the social function of everyday life, we often forget about the basic human organizations that created the social cohesion which survived over the history during difficult times. A sort of memory aneurysm prevents us from rediscovering those communicational structures that created the real human community, which generated it free of any ideologies and fanaticisms, which raised it in the modern social network. The parish, humble social community based on the confession of the same faith and the stretching of a given geography, was mocked, eluded and informally deformed. It remains, though, one of the greatest miracles of the sociology of social organization, one of the communicational categories preserved, it seems, despite the evolution of virtual communication. It is enough to cross, for instance, the great highways of modern Europe, as well as the British area to see that the names of cities, thousands of them, are related to the Christian culture of the place. A certain saint or boards which attest the Christian past of the place, marking points of the spiritual amperage of the area, are lumps in an informal network that proves that the parish remains one of the sociological categories of communication that remains deeply implemented in the mentality of the modern man. Even if it lacks the same spiritual or cultural connotation, it remains the model of the open society, placed in the interval of the new models, destructured from the very moment of their hermeneutical assertion.

The Orthodox parish in the Russian Empire as an object of fi scal policy of the secular and ecclesiastical authorities in the late XIX — early XX centuries

Directory of Open Access Journals (Sweden)

А. BEGLOV

2014-04-01

Full Text Available In the article the system of taxation of Orthodox parishes of the Russian Empire in the late XIX — early XX centuries is reconstructed on the new archival materials and the numerous contributions that the parishes carried out from its own funds in favor of the diocesan institutions and charitable organizations are described. Attempt are made to estimate the number of different charges, which existed in this period (the author now includes over 80 items and their size and severity for the parish budget. In this regard, it is concluded that such deductions in some cases accounted for more than half of the income of the parish churches. The author describes the reasons for turning the formally voluntary fees in favor of charitable institutions in virtually compulsory. It investigates the failed attempts of the Supreme Church leadership to reform the system of parish charges in the early XXth century, in particular, the work of the two synodal committees (active in 1905 under the chairmanship of Archbishop Nikon (Sofi yskiy and in 1909, under the chairmanship of Archbishop Anthony (Khrapovitsky. The author comes to the conclusion that these charges were not the only cause of poverty of many parishes (especially rural parishes in Central Russia, but they weakened the parish as a religious community, for the charges were a pretext for permanent discontent among the parishioners about the parish clergy and diocesan authorities. Not the last role here was played by the fact that the diocesan institutions, which were funded by the parish funds were of an estate character.

The West African currency board and economic integration of British ...

African Journals Online (AJOL)

WACB) as an economic integration effort in British West Africa. Through a collaborative effort between this public institution and a private company, the Bank of British West Africa, British West African colonies were not only unified but also the way ...

Public concerns about and perceptions of solid waste dump sites and selection of sanitary landfill sites in the West Bank, Palestinian territory.

Science.gov (United States)

Al-Khatib, Issam A; Abu Hammad, Ahmad; Sharkas, Othman A; Sato, Chikashi

2015-04-01

Palestinian inhabitants have disposed of their solid wastes at open dumpsites over the past 40 years without an adequate solid waste management (SWM) plans. Recently, the Palestinian Authority initiated SWM planning to establish controlled sanitary landfills, based on a participatory approach. The purpose of this study was to assess public concerns about existing solid waste dumpsites and public perceptions of sanitary landfill site selection. The study will also take into consideration the effect of diverse social, economic, and environmental related factors of the inhabitants on sitting suitable landfill sites in three Palestinian districts in the West Bank, namely, "Nablus," "Salfit," and "Ramallah and Al-Bireh." The results of this study showed that 64.9% of the sample population are aware of the problems and potential impacts associated with random dumpsites, and 41.6% think that they are suffering from the dumps. Among the environmental, socioeconomic, and political factors, the environmental factors, air pollution in particular, are thought be the most important consideration in selecting a landfill site. The "fairness in selecting a landfill site" was chosen to be one of the most important socioeconomic factors, possibly as a reaction to the Israeli occupation and subsequent land use restrictions in the West Bank, Palestinian territory.

International and Local Visions of the Justice and Security Sector in the West Bank

Directory of Open Access Journals (Sweden)

Ida Nafstad

2018-03-01

Full Text Available Considerable efforts by leading experts and funds from around the world are put into restructuring the West Bank justice and security sector (JSS. This is an effort done in a highly contested environment, with an ongoing Israeli occupation and weak local trust in the Palestine Authority (PA. This article analyzes the understandings by local Palestinian non-government organizations and international bodies aiding in building the JSS of what a legitimate development of the JSS is and should be, and whose voices become dominant in the discussions and implementations of it. The argument made is that Western legal knowledge, with its focus on security and technocratic solutions, have been dominant at the expense of core political solutions in regard to the Israeli occupation and the workings of the PA, and that it has downplayed the local context, local voices and their understandings of a legitimate JSS.

First-time detection of Mycobacterium bovis in livestock tissues and milk in the West Bank, Palestinian Territories.

Science.gov (United States)

Ereqat, Suheir; Nasereddin, Abedelmajeed; Levine, Hagai; Azmi, Kifaya; Al-Jawabreh, Amer; Greenblatt, Charles L; Abdeen, Ziad; Bar-Gal, Gila Kahila

2013-01-01

Bovine tuberculosis, bTB, is classified by the WHO as one of the seven neglected zoonontic diseases that cause animal health problems and has high potential to infect humans. In the West Bank, bTB was not studied among animals and the prevalence of human tuberculosis caused by M. bovis is unknown. Therefore, the aim of this study was to estimate the prevalence of bTB among cattle and goats and identify the molecular characteristics of bTB in our area. A total of 208 tissue samples, representing 104 animals, and 150 raw milk samples, obtained from cows and goats were examined for the presence of mycobacteria. The tissue samples were collected during routine meat inspection from the Jericho abattoir. DNA was extracted from all samples, milk and tissue biopsies (n = 358), and screened for presence of TB DNA by amplifying a 123-bp segment of the insertion sequence IS6110. Eight out of 254 animals (3.1%) were found to be TB positive based on the IS6110-PCR. Identification of M. bovis among the positive TB samples was carried out via real time PCR followed by high resolution melt curve analysis, targeting the A/G transition along the oxyR gene. Spoligotyping analysis revealed a new genotype of M. bovis that was revealed from one tissue sample. Detection of M. bovis in tissue and milk of livestock suggests that apparently healthy cattle and goats are a potential source of infection of bTB and may pose a risk to public health. Hence, appropriate measures including meat inspection at abattoirs in the region are required together with promotion of a health campaign emphasizing the importance of drinking pasteurized milk. In addition, further studies are essential at the farm level to determine the exact prevalence of bTB in goats and cattle herds in the West Bank and Israel.

Theoretical Evaluation of Electromagnetic Emissions from GSM900 Mobile Telephony Base Stations in the West Bank and Gaza Strip-Palestine.

Science.gov (United States)

Lahham, Adnan; Alkbash, Jehad Abu; ALMasri, Hussien

2017-04-20

Theoretical assessments of power density in far-field conditions were used to evaluate the levels of environmental electromagnetic frequencies from selected GSM900 macrocell base stations in the West Bank and Gaza Strip. Assessments were based on calculating the power densities using commercially available software (RF-Map from Telstra Research Laboratories-Australia). Calculations were carried out for single base stations with multiantenna systems and also for multiple base stations with multiantenna systems at 1.7 m above the ground level. More than 100 power density levels were calculated at different locations around the investigated base stations. These locations include areas accessible to the general public (schools, parks, residential areas, streets and areas around kindergartens). The maximum calculated electromagnetic emission level resulted from a single site was 0.413 μW cm-2 and found at Hizma town near Jerusalem. Average maximum power density from all single sites was 0.16 μW cm-2. The results of all calculated power density levels in 100 locations distributed over the West Bank and Gaza were nearly normally distributed with a peak value of ~0.01% of the International Commission on Non-Ionizing Radiation Protection's limit recommended for general public. Comparison between calculated and experimentally measured value of maximum power density from a base station showed that calculations overestimate the actual measured power density by ~27%. © The Author 2016. Published by Oxford University Press. All rights reserved. For Permissions, please email: journals.permissions@oup.com.

Penguin Bank: A Loa-Trend Hawaiian Volcano

Science.gov (United States)

Xu, G.; Blichert-Toft, J.; Clague, D. A.; Cousens, B.; Frey, F. A.; Moore, J. G.

2007-12-01

Hawaiian volcanoes along the Hawaiian Ridge from Molokai Island in the northwest to the Big Island in the southeast, define two parallel trends of volcanoes known as the Loa and Kea spatial trends. In general, lavas erupted along these two trends have distinctive geochemical characteristics that have been used to define the spatial distribution of geochemical heterogeneities in the Hawaiian plume (e.g., Abouchami et al., 2005). These geochemical differences are well established for the volcanoes forming the Big Island. The longevity of the Loa- Kea geochemical differences can be assessed by studying East and West Molokai volcanoes and Penguin Bank which form a volcanic ridge perpendicular to the Loa and Kea spatial trends. Previously we showed that East Molokai volcano (~1.5 Ma) is exclusively Kea-like and that West Molokai volcano (~1.8 Ma) includes lavas that are both Loa- and Kea-like (Xu et al., 2005 and 2007).The submarine Penguin Bank (~2.2 Ma), probably an independent volcano constructed west of West Molokai volcano, should be dominantly Loa-like if the systematic Loa and Kea geochemical differences were present at ~2.2 Ma. We have studied 20 samples from Penguin Bank including both submarine and subaerially-erupted lavas recovered by dive and dredging. All lavas are tholeiitic basalt representing shield-stage lavas. Trace element ratios, such as Sr/Nb and Zr/Nb, and isotopic ratios of Sr and Nd clearly are Loa-like. On an ɛNd-ɛHf plot, Penguin Bank lavas fall within the field defined by Mauna Loa lavas. Pb isotopic data lie near the Loa-Kea boundary line defined by Abouchami et al. (2005). In conclusion, we find that from NE to SW, i.e., perpendicular to the Loa and Kea spatial trend, there is a shift from Kea-like East Molokai lavas to Loa-like Penguin Bank lavas with the intermediate West Molokai volcano having lavas with both Loa- and Kea-like geochemical features. Therefore, the Loa and Kea geochemical dichotomy exhibited by Big Island volcanoes

New Book Recounts Exciting, Colorful History Of Radio Astronomy in Green Bank, West Virginia

Science.gov (United States)

2007-07-01

A new book published by the National Radio Astronomy Observatory (NRAO) tells the story of the founding and early years of the Observatory at Green Bank, West Virginia. But it was Fun: the first forty years of radio astronomy at Green Bank, is not a formal history, but rather a scrapbook of early memos, recollections, anecdotes and reports. But it was Fun... is liberally illustrated with archival photographs. It includes historical and scientific papers from symposia held in 1987 and 1995 to celebrate the birthdays of two of the radio telescopes at the Observatory. Book cover The National Radio Astronomy Observatory was formed in 1956 after the National Science Foundation decided to establish an observatory in the eastern United States for the study of faint radio signals from distant objects in the Universe. But it was Fun... reprints early memos from the group of scientists who searched the mountains for a suitable site -- an area free from radio transmitters and other sources of radio interference -- "in a valley surrounded by as many ranges of high mountains in as many directions as possible," which was "at least 50 miles distant from any city or other concentration of people." The committee settled on Green Bank, a small village in West Virginia, and the book documents the struggles that followed to create a world-class scientific facility in an isolated area more accustomed to cows than computers. Groundbreaking at the Observatory, then a patchwork of farms and fields, took place in October 1957, only a few days after the launch of Sputnik by the Soviet Union. A year later, Green Bank's first telescope was dedicated, and the book contains a transcription of speeches given at that ceremony, when the Cold War, the space race and America's scientific stature were issues of the hour. The centerpiece of the new Observatory was to be a highly-precise radio telescope 140 feet in diameter, but it was expected that it would soon be surpassed by dishes of much greater

Perceptions of sexual risk behavior among Palestinian youth in the West Bank: a qualitative investigation.

Science.gov (United States)

Massad, Salwa G; Karam, Rita; Brown, Ryan; Glick, Peter; Shaheen, Mohammed; Linnemayr, Sebastian; Khammash, Umaiyeh

2014-11-24

Young people in the Middle East and North Africa (MENA) are profoundly affected by violence, high unemployment, and economic hardship. Experiences of community-level violence and personal trauma increase the likelihood that young people will engage in risky behaviors that include smoking, drug use, and unsafe sex. Little is known about the sexual behavior of young people in the region, particularly in the occupied Palestinian territory (oPt). Our aim in this study was to gain an insight into the perceived prevalence and patterns of sexual behavior among Palestinian youth. The study was based on ten focus groups and 17 in-depth interviews with young people aged 16-24 years as part of the formative phase of a cross-sectional representative study of risk behaviors in the West Bank, including Jerusalem, in 2012. The sample was selected using a combination of purposive and convenience sampling. Qualitative analysis was used to code detailed notes of focus groups and interviews. Based on participants' reports, different types of sexual activity outside marriage were not uncommon, even in conservative communities. The most reported sexual activity was non-penetrative sex: oral and anal intercourse, and virtual sex. Some young people had sexual intercourse with sex workers; they went to brothels in Israel and to brothels operating clandestinely in the West Bank, including East Jerusalem. Most respondents were of the opinion that young people did not usually use protection during sexual intercourse. Many reported that youth engage in different types of sexual activity outside marriage for several reasons: to challenge the culture, financial constraints and inability to marry, basic human need, personal pleasure, suppression, to kill boredom, and to prove manhood. In contrast with the conservative social context of the occupied Palestinian territory (oPt), the findings suggest that sexual activities outside marriage may be more common than is currently assumed. Sexual

Leadership Development Experiences of Exemplary Roman Catholic Parish Priests: An Exploratory Study

Science.gov (United States)

Ong, Rosemarie A.

2013-01-01

This qualitative, phenomenological study addressed the research question: How do exemplary Roman Catholic parish priests perceive and describe their leadership development experience? The study explored experiences considered important in developing leadership, including how they occurred, the meaning provided, the definition of exemplary…

Compliance with the guidelines of prescription writing in a central hospital in the West Bank.

Science.gov (United States)

Tayem, Y I; Ibrahim, M A; Qubaja, M M; Shraim, R K; Taha, O B; Abu Shkhedem, E

2013-09-01

This retrospective, cross-sectional study was carried out to evaluate the quality of 2208 outpatient prescriptions in a central hospital in the West Bank, Palestine. The physicians' handwriting was poorly readable or illegible in one-third of the prescriptions. The prescriber's name and signature and patient's name were mentioned in almost all orders whereas the patient's age was stated in 54.9%. The vast majority of physicians (95.5%) prescribed drugs using their trade (brand) names. Drug strength, quantity and dose/frequency were stated in 61.1%, 76% and 73.8% of prescriptions respectively. Only 33 prescriptions (1.5%) contained full directions for use for all drugs. Correlation analysis revealed that the presence of certain prescription elements was statistically significantly associated with the clinic of origin and the number of drugs prescribed. The overall poor legibility and incompleteness of the prescriptions is of concern.

Orientation of English Medieval Parish Churches

Science.gov (United States)

Hoare, Peter G.

Our understanding of the alignment of English medieval parish churches, after more than three centuries of research, is far from complete. The arrangement of relatively few structures has been explained beyond reasonable doubt, and tests of the overwhelmingly popular festival orientation theory are often insufficiently rigorous to provide convincing answers. Much work remains to be done, including verifying and analyzing some of the existing raw data, determining whether the present church was dedicated at the time of construction, examining wills for evidence of early dedications, measuring the effect of eastern horizons on sunrise azimuths, and consulting excavation reports to assess whether earlier buildings may have influenced the arrangement of those churches that replaced them.

Bayou Corne sinkhole : control measurements of State Highway 70 in Assumption Parish, Louisiana.

Science.gov (United States)

2014-01-01

This project measured and assessed the surface stability of the portion of LA Highway 70 that is : potentially vulnerable to the Assumption Parish sinkhole. Using Global Positioning Systems (GPS) : enhanced by a real-time network (RTN) of continuousl...

High-resolution multibeam bathymetry of East and West Flower Gardens and Stetson Banks, Gulf of Mexico

Science.gov (United States)

Gardner, J.V.; Mayer, L.A.; Hughes, Clarke J.E.; Kleiner, A.

1998-01-01

The 1990s have seen rapid advances in seafloor mapping technology. Multibeam sonars are now capable of mapping a wide range of water depths with beams as narrow as 1??, and provide up to a 150?? swath. When these multibeam sonars are coupled with an extremely accurate vehicle motion sensor and very precise navigation, they are capable of producing unprecedented images of the seafloor. This technology was used in December 1997 to map the East and West Flower Gardens and Stetson Banks, Gulf of Mexico. The results from this survey provide the most accurate maps of these areas yet produced and reveal features at submeter resolution never mapped in these areas before. The digital data provide a database that should become the fundamental base maps for all subsequent work in this recently established National Marine Sanctuary.

First-time detection of Mycobacterium bovis in livestock tissues and milk in the West Bank, Palestinian Territories.

Directory of Open Access Journals (Sweden)

Suheir Ereqat

Full Text Available BACKGROUND: Bovine tuberculosis, bTB, is classified by the WHO as one of the seven neglected zoonontic diseases that cause animal health problems and has high potential to infect humans. In the West Bank, bTB was not studied among animals and the prevalence of human tuberculosis caused by M. bovis is unknown. Therefore, the aim of this study was to estimate the prevalence of bTB among cattle and goats and identify the molecular characteristics of bTB in our area. METHODOLOGY/PRINCIPAL FINDINGS: A total of 208 tissue samples, representing 104 animals, and 150 raw milk samples, obtained from cows and goats were examined for the presence of mycobacteria. The tissue samples were collected during routine meat inspection from the Jericho abattoir. DNA was extracted from all samples, milk and tissue biopsies (n = 358, and screened for presence of TB DNA by amplifying a 123-bp segment of the insertion sequence IS6110. Eight out of 254 animals (3.1% were found to be TB positive based on the IS6110-PCR. Identification of M. bovis among the positive TB samples was carried out via real time PCR followed by high resolution melt curve analysis, targeting the A/G transition along the oxyR gene. Spoligotyping analysis revealed a new genotype of M. bovis that was revealed from one tissue sample. SIGNIFICANCE: Detection of M. bovis in tissue and milk of livestock suggests that apparently healthy cattle and goats are a potential source of infection of bTB and may pose a risk to public health. Hence, appropriate measures including meat inspection at abattoirs in the region are required together with promotion of a health campaign emphasizing the importance of drinking pasteurized milk. In addition, further studies are essential at the farm level to determine the exact prevalence of bTB in goats and cattle herds in the West Bank and Israel.

Ethnopharmacological survey of medicinal plants practiced by traditional healers and herbalists for treatment of some urological diseases in the West Bank/Palestine.

Science.gov (United States)

Jaradat, Nidal Amin; Zaid, Abdel Naser; Al-Ramahi, Rowa; Alqub, Malik A; Hussein, Fatima; Hamdan, Zakaria; Mustafa, Mahmoud; Qneibi, Mohammad; Ali, Iyad

2017-05-08

Throughout history, every civilization in the world used plants or their derivatives for treatment or prevention of diseases. In Palestine as in many other countries, herbal medicines are broadly used in the treatment of wide range of diseases including urological diseases. The main objective of this research is to study the use of herbal remedies by herbalists and traditional healers for treatment of various urological diseases in the West Bank regions of Palestine and to assess their efficacy and safety through the literature review of the most cited plants. The study included a survey part, plant identification and a review study. The first part was a cross-sectional descriptive study. Face to face questionnaires were distributed to 150 traditional healers and herbalist in all regions of the West Bank of Palestine. The literature review part was to assess the most cited plants for their efficacy and toxicity. One hundred forty four herbalists and traditional healers accepted to participate in this study which was conducted between March and April, 2016. The results showed that 57 plant species belonging to 30 families were used by herbalists and traditional healers for treatment of various urinary tract diseases in Palestine. Of these, Apiaceae family was the most prevalent. Paronychia argentea, Plantago ovata, Punica granatum, Taraxacum syriacum, Morus alba and Foeniculum vulgare were the most commonly used plant species in the treatment of kidney stones, while Capsella bursa-pastoris, Ammi visnaga and Ammi majus were the most recommended species for treatment of urinary tract infections and Portulaca oleracea used for renal failure. In addition Curcuma longa and Crocus sativus were used for enuresis while Juglans regia, Quercus infectoria, Sambucus ebulus and Zea mays were used for treatment symptoms of benign prostate hyperplasia. Fruits were the most common parts used, and a decoction was the most commonly used method of preparation. Through literature

mHealth for mental health in the Middle East: Need, technology use, and readiness among Palestinians in the West Bank.

Science.gov (United States)

Ben-Zeev, Dror; Fathy, Cherie; Jonathan, Geneva; Abuharb, Batoul; Brian, Rachel M; Kesbeh, Lana; Abdelkader, Samer

2017-06-01

Palestinians in the West Bank are at heightened risk for mental health problems. Limited availability of clinicians and a host of geopolitical, topographical, and infrastructural challenges create significant regional barriers to clinic-based care. The objective of this study was to examine whether mHealth approaches that leverage mobile phones for remote mental health treatment may be viable alternatives. We surveyed 272 Palestinian adults in urban, rural, and refugee camp settings. Most participants (93.4%) reported owning mobile phones. The penetration of mobile devices was high across all study sites. Males and females did not differ in their access to this resource. Among mobile phone owners, 79.9% had smartphones, 32.2% had basic mobile phones, and 12.2% owned both. Respondents reported having reliable access to electricity (99.6%) and Wi-Fi (80.9%). Almost all mobile phone owners (99.6%) reported using social media such as Facebook, WhatsApp, or Twitter. When asked to estimate the prevalence of mental health problems in the region, 61.4% of participants reported that over half of the people in their communities struggled with depression, posttraumatic stress, or auditory hallucinations. Most participants indicated that they would personally be interested in mHealth for Mental Health options such as bi-directional texting with clinicians (68.8%), smartphone applications (66.5%), unidirectional support texts (64.7%), or web-based interventions (64.0%). Given the Palestinian populations' broad access to technology and technological infrastructure, need for care, and openness to engage in mobile interventions, mHealth should be considered a promising strategy for mental health services in the West Bank. Copyright © 2017 Elsevier B.V. All rights reserved.

How many species and under what names? Using DNA barcoding and GenBank data for west Central African amphibian conservation.

Directory of Open Access Journals (Sweden)

Jessica L Deichmann

Full Text Available Development projects in west Central Africa are proceeding at an unprecedented rate, often with little concern for their effects on biodiversity. In an attempt to better understand potential impacts of a road development project on the anuran amphibian community, we conducted a biodiversity assessment employing multiple methodologies (visual encounter transects, auditory surveys, leaf litter plots and pitfall traps to inventory species prior to construction of a new road within the buffer zone of Moukalaba-Doudou National Park, Gabon. Because of difficulties in morphological identification and taxonomic uncertainty of amphibian species observed in the area, we integrated a DNA barcoding analysis into the project to improve the overall quality and accuracy of the species inventory. Based on morphology alone, 48 species were recognized in the field and voucher specimens of each were collected. We used tissue samples from specimens collected at our field site, material available from amphibians collected in other parts of Gabon and the Republic of Congo to initiate a DNA barcode library for west Central African amphibians. We then compared our sequences with material in GenBank for the genera recorded at the study site to assist in identifications. The resulting COI and 16S barcode library allowed us to update the number of species documented at the study site to 28, thereby providing a more accurate assessment of diversity and distributions. We caution that because sequence data maintained in GenBank are often poorly curated by the original submitters and cannot be amended by third-parties, these data have limited utility for identification purposes. Nevertheless, the use of DNA barcoding is likely to benefit biodiversity inventories and long-term monitoring, particularly for taxa that can be difficult to identify based on morphology alone; likewise, inventory and monitoring programs can contribute invaluable data to the DNA barcode library and

77 FR 57492 - Drawbridge Operation Regulation; Grosse Tete Bayou, Iberville Parish, LA

Science.gov (United States)

2012-09-18

... modified from a moveable to a fixed bridge, without publishing an NPRM. The change removes the section of... the Union Pacific railroad swing bridge over Grosse Tete Bayou, mile 14.7, Iberville Parish, Louisiana. This bridge has been modified from a swing bridge to a fixed bridge and the current special operating...

Some factors affecting marital isonymy in three Outer Hebridean parishes.

Science.gov (United States)

Clegg, F J

2001-01-01

Log linear analysis was used to investigate the relationships between spouse isonymy and parental isonymy, time, endogamy/exogamy and groom's occupation in a total of 6266 first marriages of parish-born spouses in the civil parishes of Harris, Barra and Stornoway, between 1855 and 1990. Stornoway was divided into rural and urban (Burgh) components. Spouse isonymy comprised between 6% and 12% of all marriages, parental isonymy was generally slightly more frequent, due probably to the occurrence of occasional families in which both sets of parents were isonymous. Between 38% and 51% of marriages were endogamous. In the multi-way contingency tables, good fits between observed and expected cell numbers were obtained by a simple model, comprising the main effect of spouse isonymy and the first-order interactions between spouse isonymy and the independent variables. Inspection of the coefficients showed that in all four populations spouse isonymy was positively related to parental isonymy (doubtfully so in the case of Barra). The other independent variables showed less clear-cut relationships--endogamy/exogamy in Barra, and groom's occupation in Stornoway Rural; time period showed no significant relationships. It is concluded that the occurrence of this 'two-generational marital isonymy' might have an effect on the breeding structure of the population.

Review of Historic Parishes of England and Wales: An Electronic Map of Boundaries before 1850 with a Gazetteer and Metadata.

OpenAIRE

Thomas Pickles

2002-01-01

According to the authors, Historic Parishes of England and Wales aims to provide one possible solution to 'a major lacuna militating against the effective exploitation of many post-medieval to mid-Victorian historical sources collected by local administrative areas.' That is 'the lack of information on the boundaries of those administrative areas: the so-called "historic" or "ancient" parishes of England and Wales.' There is no doubt that this is indeed a problem, and that such informatio...

St. Bernard Parish : la crise d’un territoire suburbain St. Bernard Parish, the crisis of a suburban territory

Directory of Open Access Journals (Sweden)

Jean-Marc Zaninetti

2009-04-01

Full Text Available Situé à l’est de La Nouvelle-Orléans, St. Bernard Parish est l’un des territoires les plus vulnérables au risque d’ondes de tempêtes de toute la région métropolitaine. Après avoir été ravagée par le cyclone Katrina en 2005, St. Bernard peine à se redresser et montre le plus faible niveau de reprise de toute la région du Golfe du Mexique frappée par Katrina. De plus, la reconstruction est freinée par des polémiques virulentes qui nous rappellent les pires années des tensions raciales des années 1960. Cet article s’intéresse aux relations supposées entre les fragmentations urbaines et la faculté d’adaptation aux risques naturels. L’étude du cas de St. Bernard illustre la force d’inertie des territoires et comment de vieilles querelles ville-banlieue affaiblissent la résilience urbaine.Located east of New Orleans, St. Bernard Parish is one of the most vulnerable parts of the greater New Orleans metropolitan area to storm surges. After having been devastated by Hurricane Katrina in 2005, St. Bernard still struggles to recover from the storm, and displays the lowest recovery level of the entire Katrina-hit Gulf Coast area so far. Moreover, reconstruction is hampered by loud polemics that remind us of the worst years of racial polarization during the 1960’s. This paper explores the possible linkage between urban fragmentations and adaptive capacity to natural hazard. The St. Bernard case-study illustrates the strength of path dependency, and how long-entrenched suburb-central city mistrust hampers urban resilience.

Variation by Age in Parish Involvement Scores of Catholic Church Attenders in Australia, New Zealand and the United States: Age Effect or Generational Effect?

Science.gov (United States)

Dixon, Robert

2006-01-01

This article examines levels of involvement of weekly church attenders in Catholic parishes in Australia, New Zealand and the United States through an analysis of data from the International Congregational Life Survey. Factor analysis was used to identify four questionnaire items related to parish involvement which were then combined to produce a…

The plankton community on Sukkertop and Fylla Banks off West Greenland during a spring bloom and post-bloom period: Hydrography, phytoplankton and protozooplankton

DEFF Research Database (Denmark)

Poulsen, Louise K.; Reuss, N.

2002-01-01

The plankton community structure was investigated on Sukkertop and Fylla Banks off West Greenland during the spring bloom in May 2000 and the post-bloom period in June 1999. In May a small change in density, clearly illustrated by the profile of potential energy, was sufficient to support a spring...... the phytoplankton community. Heterotrophic biomass was low (5 +/- 1 mg C m(-3)) and an important part was comprised by heterotrophic nanoflagellates (24 +/- 1%). Protozooplankters (heterotrophic dinoflagellates and ciliates) were important grazers of the phytoplankton community in the post-bloom period (estimated...

Factors associated with lack of postnatal care among Palestinian women: A cross-sectional study of three clinics in the West Bank

Directory of Open Access Journals (Sweden)

Maxwell Annette E

2008-07-01

Full Text Available Abstract Background Only about one-third of women in Palestine (West Bank and Gaza obtain postpartum care. Therefore, the goal of this study was to assess factors associated with lack of postnatal care, women's reasons for not obtaining postnatal care, and their attitudes towards its importance. Methods In early 2006, a cross-sectional survey was conducted at three clinics run by the Ministry of Health providing Mother and Child Health Care in West Bank, Palestine. A total of 264 postpartum women attending the clinics were interviewed face-to-face, using a structured questionnaire. Results Although the majority of women considered postnatal care necessary (66.1%, only 36.6% of women obtained postnatal care. The most frequent reason for not obtaining postnatal care was that women did not feel sick and therefore did not need postnatal care (85%, followed by not having been told by their doctor to come back for postnatal care (15.5%. Based on a multivariable analysis, use of postnatal care was higher among women who had experienced problems during their delivery, had a cesarean section, or had an instrumental vaginal delivery than among women who had a spontaneous vaginal delivery. Use of postnatal care was also higher among women who delivered in a private hospital as compared to those who delivered in a public hospital. In addition, we found regional differences. Conclusion The higher use of postnatal care among high-risk women is appropriate, but some clinically dangerous conditions can also occur in low-risk women. Future efforts should therefore focus on providing postnatal care to a larger number of low-risk women.

Public Exposure from Indoor Radiofrequency Radiation in the City of Hebron, West Bank-Palestine.

Science.gov (United States)

Lahham, Adnan; Sharabati, Afefeh; ALMasri, Hussien

2015-08-01

This work presents the results of measured indoor exposure levels to radiofrequency (RF) radiation emitting sources in one of the major cities in the West Bank-the city of Hebron. Investigated RF emitters include FM, TV broadcasting stations, mobile telephony base stations, cordless phones [Digital Enhanced Cordless Telecommunications (DECT)], and wireless local area networks (WLAN). Measurements of power density were conducted in 343 locations representing different site categories in the city. The maximum total power density found at any location was about 2.3 × 10 W m with a corresponding exposure quotient of about 0.01. This value is well below unity, indicating compliance with the guidelines of the International Commission on Non-ionizing Radiation Protection (ICNIRP). The average total exposure from all RF sources was 0.08 × 10 W m. The relative contributions from different sources to the total exposure in terms of exposure quotient were evaluated and found to be 46% from FM radio, 26% from GSM900, 15% from DECT phones, 9% from WLAN, 3% from unknown sources, and 1% from TV broadcasting. RF sources located outdoors contribute about 73% to the population exposure indoors.

Bayou Corne sinkhole : control measurements of State Highway 70 in Assumption Parish, Louisiana, tech summary.

Science.gov (United States)

2014-01-01

The sinkhole located in Assumption Parish, Louisiana, threatens the stability of Highway 70, a state maintained route. In order to : mitigate the potential damaging e ects of the sinkhole on this infrastructure, the Louisiana Department of Transpo...

76 FR 68458 - Formations of, Acquisitions by, and Mergers of Bank Holding Companies

Science.gov (United States)

2011-11-04

... FEDERAL RESERVE SYSTEM Formations of, Acquisitions by, and Mergers of Bank Holding Companies The... acquisition of a nonbanking company, the review also includes whether the acquisition of the nonbanking... a result of the merger, to increase its ownership of West One Bank, Kalispell, Montana, from 34.92...

ASSESSMENT OF E-COMMERCE USAGE FOR EFFECTIVE SERVICE DELIVERY IN NIGERIA BANKING SECTOR

OpenAIRE

Soneye Gbolade Michael

2017-01-01

This study assessed the extent of e-commerce usage for effective service delivery in Nigeria banking sector. Four research questions and four null hypotheses guided the study. Descriptive survey research design was adopted for the study. The study covered 64 microfinance banks in Oyo State, South-West, Nigeria. The population was made up of 1275 staffs from the 64 microfinance banks. The sample size consisted of 28 microfinance banks of which 280 staffs were purposively selected. A 28-item st...

Bayou Corne Sinkhole: Control Measurements of State Highway 70 in Assumption Parish, Louisiana : Research Project Capsule

Science.gov (United States)

2012-09-01

The sinkhole located in northern Assumption Parish, Louisiana, threatens : the stability of Highway 70, a state-maintained route. In order to monitor : and mitigate potential damage eff ects on this infrastructure, the Louisiana : Department of Trans...

Assessment of public exposure form WLANs in the west bank Palestine

International Nuclear Information System (INIS)

Lahham, Adnan; Sharabati, Afifeh; ALMasri, Hussein

2017-01-01

A total of 271 measurements were conducted at 69 different sites including homes, hospitals, educational institutions and other public places to assess the exposure to radiofrequency emission from wireless local area networks (WLANs). Measurements were conducted at different distances from 40 to 10 m from the access points (APs) in real life conditions using Narda SRM3000 selective radiation meter. Three measurements modes were considered at 1 m distance from the AP which are transmit mode, idle mode, and from the client card (laptop computer). All measurements were conducted indoor in the West Bank environment. Power density levels from WLAN systems were found to vary from 0.001 to ∼1.9 μW cm -2 with an average of 0.12 μW cm -2 . Maximum value found was in university environment, while the minimum was found in schools. For one measurement case where the AP was 20 cm far while transmitting large files, the measured power density reached a value of ∼4.5 μW cm -2 . This value is however 221 times below the general public exposure limit recommended by the International Commission on Non-Ionizing Radiation Protection, which was not exceeded in any case. Measurements of power density at 1 m around the laptop resulted in less exposure than the AP in both transmit and idle modes as well. Specific absorption rate for the head of the laptop user was estimated and found to vary from 0.1 to 2 mW/kg. The frequency distribution of measured power densities follows a log-normal distribution which is generally typical in the assessment of exposure resulting from sources of radiofrequency emissions. (authors)

Differences in tobacco smoking prevalence and frequency between adolescent Palestine refugee and non-refugee populations in Jordan, Lebanon, Syria, and the West Bank: cross-sectional analysis of the Global Youth Tobacco Survey.

Science.gov (United States)

Jawad, Mohammed; Khader, Ali; Millett, Christopher

2016-01-01

Evidence is conflicting as to the whether tobacco smoking prevalence is higher in refugee than non-refugee populations. The aim of this study was to compare the prevalence and frequency of tobacco smoking in Palestine refugee and non-refugee adolescent populations in the Middle East. We conducted a cross-sectional analysis of the Global Youth Tobacco Survey (GYTS) conducted in Jordan, Lebanon, Syria, and the West Bank among adolescent Palestine refugees and non-refugees. Age- and sex-adjusted regression models assessed the association between refugee status and current (past-30 day) tobacco use prevalence and frequency. Prevalence estimates for current tobacco smoking were similar between Palestine refugee and non-refugee groups in Jordan (26.7 % vs. 24.0 %), Lebanon (39.4 % vs. 38.5 %), and the West Bank (39.5 % vs. 38.4 %). In Syria, Palestine refugees had nearly twice the odds of current tobacco smoking compared to non-refugees (23.2 % vs. 36.6 %, AOR 1.96, 95 % CI 1.46-2.62). Palestine refugees consumed more cigarettes per month than non-refugees in Lebanon (β 0.57, 95 % CI 0.17-0.97) and Palestine refugees consumed more waterpipe tobacco per month than non-refugees in Syria (β 0.40, 95 % CI 0.19-0.61) and the West Bank (β 0.42, 95 % CI 0.21-0.64). Current tobacco smoking prevalence is in excess of 20 % in both adolescent Palestine refugee and non-refugee populations in Middle Eastern countries, however Palestine refugees may smoke tobacco more frequently than non-refugees. Comparison of simple prevalence estimates may therefore mask important differences in tobacco use patterns within population groups.

Prevalence and risk factors of obesity and hypertension among students at a central university in the West Bank.

Science.gov (United States)

Tayem, Yasin I; Yaseen, Nagham A; Khader, Wiam T; Abu Rajab, Lama O; Ramahi, Ahmad B; Saleh, Mohammad H

2012-01-01

We aimed to determine the prevalence and correlates of obesity and hypertension (HTN) among students at a central university in the West Bank. This cross-sectional study targeted a cohort of 553 students (59.5% males, 40.5% females) aged 17-26 years (median = 21) from Al-Quds University. Body mass index (BMI) and blood pressure (BP) were measured. Participants completed a questionnaire on physical activity, sedentary behavior, dietary factors, smoking and family history of obesity, HTN, and coronary artery disease. The magnitude of correlation was assessed by Spearman's rho (r(s)) and Chi-square tests. The prevalence of overweight was 25% (31.1% males, 15.6% females) and obesity 7.2% (9.4% males, 4% females). Obesity and overweight were associated with family history of obesity in both genders (pinterventional program is urgently needed to control these cardiovascular risk factors in this community.

Electricity sector integration in West Africa

International Nuclear Information System (INIS)

Pineau, Pierre-Olivier

2008-01-01

Regional and global integration initiatives push for more electricity sector integration everywhere in the world, including West Africa. The creation of the West African Power Pool (WAPP) in 2000 and important investments under this new structure in 2006 are concrete actions that will result in a more integrated West African electricity sector. But will this integrated sector be more functional than the previous ones? Will the identified electricity sector problems be solved with the new power pool? This paper analyzes how power sector integration is presented by international institutions (the UN Economic Commission for Africa, World Energy Council and World Bank) and identifies three problematic issues with the current integration approach: lack of African ownership, unclear and conflicting reform objectives and uncertainty of integration outcomes

West Nile Virus workshop: scientific considerations for tissue donors.

Science.gov (United States)

Brubaker, Scott A; Robert Rigney, P

2012-08-01

This report contains selected excerpts, presented as a summary, from a public workshop sponsored by the American Association of Tissue Banks (AATB) held to discuss West Nile Virus (WNV) and scientific considerations for tissue donors. The daylong workshop was held 9 July 2010 at the Ritz-Carlton Hotel at Tyson's Corner in McLean, Virginia, United States (U.S.). The workshop was designed to determine and discuss scientific information that is known, and what is not known, regarding WNV infection and transmission. The goal is to determine how to fill gaps in knowledge of WNV and tissue donation and transplantation by pursuing relevant scientific studies. This information should ultimately support decisions leading to appropriate tissue donor screening and testing considerations. Discussion topics were related to identifying these gaps and determining possible solutions. Workshop participants included subject-matter experts from the U.S. Food and Drug Administration, the Centers for Disease Control and Prevention, U.S. Department of Health and Human Services, Health Canada, the Public Health Agency of Canada, AATB-accredited tissue banks including reproductive tissue banks, accredited eye banks of the Eye Bank Association of America, testing laboratories, and infectious disease and organ transplantation professionals. After all presentations concluded, a panel addressed this question: "What are the scientific considerations for tissue donors and what research could be performed to address those considerations?" The slide presentations from the workshop are available at: http://www.aatb.org/2010-West-Nile-Virus-Workshop-Presentations.

Review of Historic Parishes of England and Wales: An Electronic Map of Boundaries before 1850 with a Gazetteer and Metadata.

Directory of Open Access Journals (Sweden)

Thomas Pickles

2002-11-01

Full Text Available According to the authors, Historic Parishes of England and Wales aims to provide one possible solution to 'a major lacuna militating against the effective exploitation of many post-medieval to mid-Victorian historical sources collected by local administrative areas.' That is 'the lack of information on the boundaries of those administrative areas: the so-called "historic" or "ancient" parishes of England and Wales.' There is no doubt that this is indeed a problem, and that such information will find a wide potential audience. As they admirably illustrate in the accompanying book, parish boundaries have been some of the most enduring and stable organising units, certainly formed by the thirteenth century and largely unchanged until the nineteenth. However, a series of Victorian parliamentary acts sought to rationalise the parochial pattern, and no national sources exist that record the status quo preceding these changes. Kain and Oliver point to an impressive number of historians of locally compiled sources who would benefit from reliable information on these pre-Victorian boundaries, and their list is by no means exhaustive. The core of the package is a database of 'metadata', intended for use with either Acrobat Reader or Microsoft Excel, which records the character of each administrative unit mapped, and the origins of the evidence for its boundaries. Three CDs contain this database in addition to maps of the 'historic' parish boundaries of England that can be read using Acrobat Reader, with the necessary reader software supplied. A further six CDs contain those same maps saved as three separate interactive layers, to be viewed using Adobe Illustrator but this software is not included.

ASSESSMENT OF PUBLIC EXPOSURE FORM WLANS IN THE WEST BANK-PALESTINE.

Science.gov (United States)

Lahham, Adnan; Sharabati, Afifeh; ALMasri, Hussein

2017-11-01

A total of 271 measurements were conducted at 69 different sites including homes, hospitals, educational institutions and other public places to assess the exposure to radiofrequency emission from wireless local area networks (WLANs). Measurements were conducted at different distances from 40 to 10 m from the access points (APs) in real life conditions using Narda SRM-3000 selective radiation meter. Three measurements modes were considered at 1 m distance from the AP which are transmit mode, idle mode, and from the client card (laptop computer). All measurements were conducted indoor in the West Bank environment. Power density levels from WLAN systems were found to vary from 0.001 to ~1.9 μW cm-2 with an average of 0.12 μW cm-2. Maximum value found was in university environment, while the minimum was found in schools. For one measurement case where the AP was 20 cm far while transmitting large files, the measured power density reached a value of ~4.5 μW cm-2. This value is however 221 times below the general public exposure limit recommended by the International Commission on Non-Ionizing Radiation Protection, which was not exceeded in any case. Measurements of power density at 1 m around the laptop resulted in less exposure than the AP in both transmit and idle modes as well. Specific absorption rate for the head of the laptop user was estimated and found to vary from 0.1 to 2 mW/kg. The frequency distribution of measured power densities follows a log-normal distribution which is generally typical in the assessment of exposure resulting from sources of radiofrequency emissions. © The Author 2017. Published by Oxford University Press. All rights reserved. For Permissions, please email: journals.permissions@oup.com.

A New Paradigm in Islamic Housing: Non-Bank Islamic Mortgage

Directory of Open Access Journals (Sweden)

Egi Arvian Firmansyah

2018-05-01

Full Text Available An increasing demand for a sharia-compliant housing has resulted in a new initiative where the mortgage can presently be directly handled by the developer without involving the bank. This is called non-bank Islamic mortgage. This paper is aimed at portraying the consumer’s profile of non-bank Islamic mortgage and the issues of this practice. We disseminated questionnaires to the respondents in several cities in West Java who bought the house-using non-bank Islamic mortgage scheme. Subsequently, we synthesized the answers regarding their profiles and issues of the scheme for the betterment in the future. One of the issues of this scheme is the higher fraud because there is no rigorous credit scoring as conducted by the bank. The research of non-bank Islamic mortgage is still scant so this paper is expected to shed the light by contributing to the literature of Islamic home financing.DOI: 10.15408/aiq.v10i2.7274

ATM Technology and Banking System in West African Sub-Region ...

African Journals Online (AJOL)

User

2011-04-19

Apr 19, 2011 ... At this point in time, it is pertinent to ask, what is ATM? ATM is Automated .... can be installed on ATMs running Microsoft Windows XP operating system that records sensitive ... almost real time bank services. The citizens of ...

Cultural Resources Survey of Three Iberville Parish Levee Enlargement and Revetment Construction Items

Science.gov (United States)

1993-09-22

elm (Ulmus), and pecan (Carya illlnoensis) may occur at higher elevations. Poison ivy (Rhus radicans), Virginia and trumpet creeper (Parthenocissus sp... pecans were produced In the parish. Cotton, grown during the early 1900s, had all but disappeared by 1940. Soybeans, initially planted with corn to...Holland and England are known as de Equivalents in Italy , Iberia, and Mexico are called muioica. Tin glazed earthenware has a soft porous paste

Wavelet analysis of near-inertial currents at the East Flower Garden Bank

Science.gov (United States)

Teague, W. J.; Wijesekera, H. W.; Jarosz, E.; Lugo-Fernández, A.; Hallock, Z. R.

2014-10-01

Near-inertial currents (NICs) often dominate the mean circulation at the East Flower Garden Bank (EFGB), part of the Flower Garden Banks National Marine Sanctuary. The EFGB, one of several submerged coral reefs, is located in the northwestern Gulf of Mexico, about 190 km southeast of Galveston, Texas. The bank is about 6 km wide in the east-west direction and rises to within about 20 m from the surface. NICs near the EFGB are described using current data from 5 acoustic Doppler current profilers that were moored at the edges of the bank and on top of the bank for about a year. A wavelet analysis was used in order to better describe the nonstationarity of the NICs. NICs were strongest during spring and summer due to their near resonant response with sea breeze and the shallowness of the mixed layer, and exhibited a first-baroclinic-mode vertical structure. NICS were generally larger near the surface and extended to the bottom on the west side of the EFGB but only to within about 20 m of the bottom on the eastern side of the bank. NIC ellipses were nearly circular and rotated clockwise above the top of the EFGB but became flatter and aligned with the bathymetry with increasing depth; occasionally, on the eastern side of the bank, the NIC vectors rotated counterclockwise due to probable effects of lee vortices arising from the mean flow interacting with the bank. Most energy input by the wind at the surface was likely transferred downward through divergence of the meridional flow against the coastal boundary. The inertial currents were at times more energetic than the mean flow, and often accounted for more than 50% of the total current energy.

Phase I Marine and Terrestrial Cultural Resources Survey of 13 Project Items Located on Marsh Island, Iberia Parish, Louisiana

National Research Council Canada - National Science Library

Barr, William

1999-01-01

This report presents the results of Phase I cultural resources survey and archeological inventory of two marine and 11 terrestrial project items on and near Marsh Island in Iberia Parish, Louisiana...

PATIENT RADIATION DOSE FROM CHEST X-RAY EXAMINATIONS IN THE WEST BANK-PALESTINE.

Science.gov (United States)

Lahham, Adnan; Issa, Ahlam; ALMasri, Hussein

2018-02-01

Radiation doses to patients resulting from chest X-ray examinations were evaluated in four medical centers in the West Bank and East Jerusalem-Palestine. Absorbed organ and effective doses were calculated for a total of 428 adult male and female patients by using commercially available Monte Carlo based softwares; CALDOSE-X5 and PCXMC-2.0, and hermaphrodite mathematical adult phantoms. Patients were selected randomly from medical records in the time period from November 2014 to February 2015. A database of surveyed patients and exposure factors has been established and includes: patient's height, weight, age, gender, X-ray tube voltage, electric current (mAs), examination projection (anterior posterior (AP), posterior anterior (PA), lateral), X-ray tube filtration thickness in each X-ray equipment, anode angle, focus to skin distance and X-ray beam size. The average absorbed doses in the whole body from different projections were: 0.06, 0.07 and 0.11 mGy from AP, PA and lateral projections, respectively. The average effective dose for all surveyed patients was 0.14 mSv for all chest X-ray examinations and projections in the four investigated medical centers. The effect of projection geometry was also investigated. The average effective doses for AP, PA and lateral projections were 0.14, 0.07 and 0.22 mSv, respectively. The collective effective dose estimated for the exposed population was ~60 man-mSv. © The Author 2017. Published by Oxford University Press. All rights reserved. For Permissions, please email: journals.permissions@oup.com.

A Viennese Project in Valpovo (Croatia. Parish Church of the Immaculate Conception of the Blessed Virgin Mary in Valpovo and Baroque Churches with Two-Bay Naves

Directory of Open Access Journals (Sweden)

Horvat-Levaj, Katarina

2013-10-01

Full Text Available The Parish Church of the Immaculate Conception of the Virgin Mary in Valpovo (1733–1736, exceptional both in its spatial organization and the design of its exterior, was constructed in specific circumstances in the aftermath of the liberation of Slavonia from the Ottoman occupation. The old lands of Valpovo, with the medieval fort of Morović, were, in accordance with the Habsburg politics, given as a feud to Baron Hilleprand by Charles VI. The baron initiated the construction of a monumental parish church on his estate by commissioning its design in Vienna, as evidenced by the rich archival material on Hilleprand's property housed at the State Archive in Osijek. In keeping with the provenance of its design, the church was built as a monumental structure consisting of a two-bay nave covered with domical vaults and flanked by a narrower semicircular groin-vaulted sanctuary and a facade belfry. The type represented by the church in Valpovo – single-aisled structure with two bays – was a sort of innovation by Johann Lucas von Hildebrandt, inspired by the famous church of San Fedele in Milan (1569 and often used by Hildebrandt in his own church projects built under the patronage of high Austrian nobility, such as the parish church in Seelowitz in Moravia (1722–27 with an integrated facade belfry, or the parish churches in Aspersdorf (1730, Stranzendorf (1733 and Großstelzendorf (1735–37. This architectural type was adopted and further developed by Hildebrandt's contemporaries, especially his immediate follower Franz Anton Pilgram, a Viennese architect whose design for the parish church in Münchendorf (1740 shows great similarity with the Valpovo church, both in its proportions and in the treatment of details. All this is hardly surprising if one keeps in mind the Viennese origin and the courtly status of the commissioner and donor of the parish church in Valpovo. It took more than two decades for the spatial features of this church to

Livingston Parish Landfill Methane Recovery Project (Feasibility Study)

Energy Technology Data Exchange (ETDEWEB)

White, Steven

2012-11-15

The Woodside Landfill is owned by Livingston Parish, Louisiana and is operated under contract by Waste Management of Louisiana LLC. This public owner/private operator partnership is commonplace in the solid waste industry today. The landfill has been in operation since approximately 1988 and has a permitted capacity of approximately 41 million cubic yards. Based on an assumed in-place waste density of 0.94 ton per cubic yard, the landfill could have an expected design capacity of 39.3 million tons. The landfill does have an active landfill gas collection and control system (LFGCCS) in place because it meets the minimum thresholds for the New Source Performance Standards (NSPS). The initial LFGCS was installed prior to 2006 and subsequent phases were installed in 2007 and 2010. The Parish received a grant from the United States Department of Energy in 2009 to evaluate the potential for landfill gas recovery and utilization at the Woodside Landfill. This includes a technical and economic feasibility study of a project to install a landfill gas to energy (LFGTE) plant and to compare alternative technologies. The LFGTE plant can take the form of on-site electrical generation, a direct use/medium Btu option, or a high-Btu upgrade technology. The technical evaluation in Section 2 of this report concludes that landfill gas from the Woodside landfill is suitable for recovery and utilization. The financial evaluations in sections 3, 4, and 5 of this report provide financial estimates of the returns for various utilization technologies. The report concludes that the most economically viable project is the Electricity Generation option, subject to the Parish’s ability and willingness to allocate adequate cash for initial capital and/or to obtain debt financing. However, even this option does not present a solid return: by our estimates, there is a 19 year simple payback on the electricity generation option. All of the energy recovery options discussed in this report

Northern Shrimp (Pandalus borealis) Recruitment in West Greenland Waters

DEFF Research Database (Denmark)

Pedersen, S. A.; Storm, L. M.

2002-01-01

Lipid class and fatty acid compositions were determined in shrimp larvae (Pandalus borealis and P. montagui) collected along transects across banks on the West Greenland shelf in June 1999, May and July 2000. The lipid class contents were investigated as indices of larval shrimp lipid condition a...

Religion y politics. Manuel Sabino Crespo, a Parish Priest from Southern Mexico

Directory of Open Access Journals (Sweden)

Ana Carolina Ibarra

2006-07-01

Full Text Available Through the figure of Manuel Sabino Crespo, who collaborated with the government Morelos set up in Oaxaca and later joined the insurgent cause; this paper seeks to understand the life of a parish  priest in Southern Mexico and the scope of his intellectual training. Thanks to information obtained  from local and private ecclesiastical libraries, and especially from the reports of Crespo's participation found in the proceedings of the cathedral chapter, we can know the sources and arguments with which the rebels defended their ideas regarding ecclesiastical matters.

CRED 10 m Gridded multibeam bathymetry of Wake Island, West Central Pacific

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — Gridded bathymetry shelf, bank and slope environments of Wake Island, West Central Pacific, under joint management of the United States Dept. of Interior and Air...

CRED 60 m Gridded multibeam bathymetry of Wake Island, West Central Pacific

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — Gridded bathymetry shelf, bank and slope environments of Wake Island, West Central Pacific, under joint management of the United States Dept. of Interior and Air...

Genetic diversity of Taenia hydatigena in the northern part of the West Bank, Palestine as determined by mitochondrial DNA sequences.

Science.gov (United States)

Adwan, Kamel; Jayousi, Alaa; Abuseir, Sameh; Abbasi, Ibrahim; Adwan, Ghaleb; Jarrar, Naser

2018-06-26

Cysticercus tenuicollis is the metacestode of canine tapeworm Taenia hydatigena, which has been reported in domestic and wild ruminants and is causing veterinary and economic losses in the meat industry. This study was conducted to determine the sequence variation in the mitochondrial cytochrome c oxidase subunit 1 (coxl) gene in 20 isolates of T. hydatigena metacestodes (cysticercus tenuicollis) collected from northern West Bank in Palestine. Nine haplotypes were detected, with one prevailing (55%). The total haplotype diversity (0.705) and the total nucleotide diversity (0.0045) displayed low genetic diversity among our isolates. Haplotype analysis showed a star-shaped network with a centrally positioned common haplotype. The Tajima's D, and Fu and Li's statistics in cysticercus tenuicollis population of this region showed a negative value, indicating deviations from neutrality and both suggested recent population expansion for the population. The findings of this study would greatly help to implement control and preventive measures for T. hydatigena larvae infection in Palestine.

78 FR 30901 - Record of Decision and Wetland/Floodplain Statement of Findings for the W.A. Parish Post...

Science.gov (United States)

2013-05-23

... pathway. Any areas being temporarily used by whooping cranes during its migration at the time of... evaluated the impacts associated with construction and operation of the proposed Parish PCCS Project, as..., environmental, and financial data from the design, construction, and integrated operation of the CO 2 capture...

Perceived Attributes of Factors Influencing Consumers’ Engagement with Electronic Banking

Directory of Open Access Journals (Sweden)

Taiwo Adewale Muritala

2012-08-01

Full Text Available This study intends to critically analyze the relationship between perceived attributes as factors and consumers’ engagement with electronic banking technology. A survey method was used to gather data from 200 secondary school teachers from five selected local government in South-Western part of Nigeria namely; Ibadan North, Egbeda, Ido, Ibadan North-East and Ibadan North-West Local government. Data was collected with a structured questionnaire and analyzed with several descriptive statistics to identify consumers’ engagement in electronic banking technology in Nigeria. The results of the study therefore reveals that the most common influential factors hindering consumers’ adoption of electronic banking in Nigeria are relative advantage of economic gains and non-economic gains, social character, communication behavior, trialability as well as observability. Hence, it therefore recommends that the banks should create channels through which customers’ awareness will be enhanced and employ IT trained personnel to monitor and report any fraudulent transaction in order to secure customers’ trust on safety risk/security.

76 FR 28311 - Drawbridge Operation Regulations; Bayou Liberty, Mile 2.0, St. Tammany Parish, Slidell, LA

Science.gov (United States)

2011-05-17

...,'' and then click on the balloon shape in the ``Actions'' column. If you submit your comments by mail or... St. Tammany Parish. The vertical clearance is 7.59 feet (2.31m) above the 2% flowline, elevation 2.5 feet (0.76m) NAVD 1988. Presently, under 33 CFR 117.469, the draw of the S433 Bridge, mile 2.0, at...

Arab-Levantine personality structure: A psycholexical study of modern standard Arabic in Lebanon, Syria, Jordan, and the West Bank.

Science.gov (United States)

Zeinoun, Pia; Daouk-Öyry, Lina; Choueiri, Lina; van de Vijver, Fons J R

2018-06-01

The debate of whether personality traits are universal or culture-specific has been informed by psycholexical (or lexical) studies conducted in tens of languages and cultures. We contribute to this debate through a series of studies in which we investigated personality descriptors in Modern Standard Arabic, the variety of Arabic that is presumably common to about 26 countries and native to more than 200 million people. We identified an appropriate source of personality descriptors, extracted them, and systematically reduced them to 167 personality traits that are common, are not redundant with each other, and are familiar and commonly understood in Lebanon, Syria, Jordan, and the West Bank (Palestinian territories). We then analyzed self- and peer ratings (N = 806) and identified a six-factor solution comprising Morality (I), Conscientiousness (II), Positive Emotionality (III), Dominance (IV), Agreeableness/Righteousness (V), and Emotional Stability (VI) without replicating an Openness factor. The factors were narrower or broader variants of factors found in the Big Five and HEXACO models. Conceptual and methodological considerations may have impacted the factor structure. © 2017 Wiley Periodicals, Inc.

Factors affecting Bromus tectorum seed bank carryover in western Utah

Science.gov (United States)

Duane C. Smith; Susan E. Meyer; V. J. Anderson

2008-01-01

Cheatgrass (Bromus tectorum L.) is a winter annual weed that presents a serious obstacle to rangeland restoration in the Intermountain West. The objective of this study was to evaluate factors regulating the size and persistence of cheatgrass carryover seed banks on semiarid sites in western Utah. We prevented current-year seed production in each of...

Exploring the Determinants of Consumer Behavior in West Bank, Towards Domestic and Imported Dairy Products

Directory of Open Access Journals (Sweden)

Mansoor Maitah

2015-01-01

Full Text Available This paper aims to investigate factors influencing the purchasing behavior of Palestinian customers towards domestic and imported dairy products (Israeli and foreign. The secondary data were obtained from the competent authorities. On the other hand, primary data were gathered by utilizing personal interviews and questionnaires. 450 questionnaires were distributed to all governorates of the West Bank. It has been concluded from statistical results that middle-income households concern mainly about quality, image and product validity period. In contrast, low-income households consider mainly product price. The consumer was satisfied with Israeli products that meet his needs. On the other hand, local consumer highly considered price and personal knowledge when purchasing local dairy products. Advertising negatively affected the consumer purchasing behavior of Israeli and foreign dairy products, in contrast it positively affected his behavior when purchasing local dairy products. Period of validity was the most influential factor on the purchasing decision for domestic and imported dairy products. It has been found that consumer expenditures on Israeli dairy products were the highest followed by local and foreign products. Recommendations are as follows: i producers should develop products that could meet the needs and desires of consumers, ii draw effective marketing policies, depending on technologists specialized in dairy industry, iii take into account consumer awareness when developing advertising strategy, and iv quality control should be adjusted in accordance with product specifications and standards.

Milk banks through the lens of Muslim scholars: one text in two contexts.

Science.gov (United States)

Ghaly, Mohammed

2012-03-01

When Muslims thought of establishing milk banks, religious reservations were raised. These reservations were based on the concept that women's milk creates 'milk kinship' believed to impede marriage in Islamic Law. This type of kinship is, however, a distinctive phenomenon of Arab tradition and relatively unknown in Western cultures. This article is a pioneer study which fathoms out the contemporary discussions of Muslim scholars on this issue. The main focus here is a religious guideline (fatwa) issued in 1983, referred to in this article as 'one text', by the Egyptian scholar Yūsuf al-Qaradāwī who saw no religious problem in establishing or using these banks. After a number of introductory remarks on the 'Western' phenomenon of milk banks and the 'Islamic' phenomenon of 'milk kinship', this article analyses the fatwa of al-Qaradāwī 'one text' and investigates the 'two contexts' in which this fatwa was discussed, namely, the context of the Muslim world and that of Muslim minorities living in the West. The first context led to rejecting the fatwa and refusing to introduce the milk banking system in the Muslim world. The second context led to accepting this system and thus allowing Muslims living in the West to donate and receive milk from these banks. Besides its relevance to specialists in the fields of Islamic studies, anthropology and medical ethics, this article will also be helpful to physicians and nurses who deal with patients of Islamic background. © 2010 Blackwell Publishing Ltd.

A Cultural Resources Survey of Arlington Revetment and LSU Berm Levee Improvement Item, East Baton Rouge Parish Louisiana

Science.gov (United States)

1993-07-01

Light gm Slas 14 14 Lis Smm pmlew aumk Simm Milk glass 1 Modern brown glass I Olive glass _ Tin cm key 11 Shotg cartridge 1 Slate 1 Mortar 1 1 Piece of...Parish, Louisiana. Anthropological Report No. 1. Archaeological Survey and Antiquities Commission, Department of Culture, Recreation and Tourism , Baton

77 FR 58533 - Notice of Availability of the Draft Environmental Impact Statement for the W.A. Parish Post...

Science.gov (United States)

2012-09-21

... project would demonstrate the commercial feasibility of a retrofit, commercial-scale CO 2 capture and... up to 250- megawatt equivalent (MWe) flue gas slipstream of the combustion exhaust gases from the... gas exhaust from Unit 8 of NRG's existing W.A. Parish Plant in Thompsons, Texas. The project would be...

Well-being and pressures of daily life in two West Bank villages-Exploring context and history.

Science.gov (United States)

Rabaia, Yoke; de Jong, Joop; Abdullah, Anita; Giacaman, Rita; van de Ven, Peter

2018-06-05

Interest in the well-being of people exposed to long-term violence and conflict has tended to focus on measurable effects of acute traumatic events, while attention to the pressures of their daily living context is relatively new. Using qualitative and quantitative data from a 2005 survey of all female family caretakers in 2 neighbouring Israeli-occupied West Bank villages (n = 820), we explored the associations of demographic, health-related and contextual factors with reported pressures and WHO-5 well-being index scores. The final model explained 17.8% of the variance with negative associations between health-related factors ("back-aches," "stomach aches" "psychological illness in the family") and family-related factors ("male head of household aggressive", "male head of household physically violent") and the WHO-5 well-being index scores. We found positive associations between socio-economic factors ("standard of living"; "number of rooms") and village-related factors ("residency in village A/B") and the WHO-5 well-being index score. Exploring the daily living context of villages A and B illuminated how the impact of historical and political events differed, even in villages that are geographically close. The paper lends support to calls for including politics and history in research on well-being in contexts of long-term violence and conflict. © 2018 International Union of Psychological Science.

Pipeline corridors through wetlands - impacts on plant communities: Bayou Pointe Aux Chenes, Terrebonne Parish, Louisiana. Topical report, August 1991--April 1994

Energy Technology Data Exchange (ETDEWEB)

Van Dyke, G.D.; Shem, L.M.; Zimmerman, R.E.

1994-12-01

The goal of the Gas Research Institute Wetland Corridors Program is to document impacts of existing pipelines on the wetlands they traverse. To accomplish this goal, 12 existing wetland crossings were surveyed. These sites varied in elapsed time since pipeline construction, wetland type, pipeline installation techniques, and night- of-way management practices. This report presents the results of a survey conducted on August 22, 1991, in an emergent intertidal estuarine wetland in Terrebonne Parish, Louisiana. The site includes three pipelines installed between 1958 and 1969. Vegetation within the site comprises three native tidal marsh grasses: Spartina alterniflora, Spartina patens, and Distichlis spicata. All three species occurred over the pipelines, within the right-of-way and in both natural areas. Vegetative differences attributable to the installation or presence of the pipelines were not obvious over the pipelines or in the habitat east of the pipelines. However, because of the presence of a canal west of the 1969 pipeline, vegetation was less abundant in that area, and D. spicata was absent from all but the most distant plots of the transacts. Data obtained in the study indicate that when rights-of-way through brackish marsh are restored to their original elevations, they are revegetated with native vegetation similar to that in surrounding areas.

Ethnobotany of Indigenous Saraguros: Medicinal Plants Used by Community Healers "Hampiyachakkuna" in the San Lucas Parish, Southern Ecuador.

Science.gov (United States)

Andrade, José M; Lucero Mosquera, Hernán; Armijos, Chabaco

2017-01-01

This paper reports the results of an ethnobotanical survey on the use of medicinal plants by community healers "Hampiyachakkuna" in the San Lucas Parish, province of Loja, Ecuador. A particular ethnic group, the indigenous Saraguros, inhabits this region. This study reports 183 plant species used in 75 different curative therapies by the Saraguro healers.

31 CFR 100.17 - Location of Federal Reserve banks and branches.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Location of Federal Reserve banks and branches. 100.17 Section 100.17 Money and Finance: Treasury Regulations Relating to Money and Finance... Locust Street (P.O. Box 442), St. Louis, MO 63166 Little Rock Branch—325 West Capitol Avenue (P.O. Box...

West Nile virus infection and diplopia: a case report and review of literature

Directory of Open Access Journals (Sweden)

Dahal U

2013-05-01

Full Text Available Udip Dahal,1 Neville Mobarakai,1 Dikshya Sharma,2 Bandana Pathak11Department of Medicine, Staten Island University Hospital, Staten Island, New York, NY, USA; 2Department of Medicine, Nepalgunj Medical College, Banke, NepalAbstract: West Nile virus is a neurotropic virus transmitted to humans via an infected mosquito bite. The increase in the incidences and fatalities of West Nile virus disease has made West Nile virus an important pathogen. Here we describe a case of a 65-year-old man with fever and diplopia presenting to the emergency department during a fall season and who was later diagnosed with West Nile virus infection. Diplopia is an uncommon manifestation of West Nile virus and recognition of the different modes of presentation, especially the uncommon ones like diplopia, will aid in the diagnosis of this emerging infectious disease.Keywords: West Nile virus, diplopia, ocular manifestations, infectious disease, Flaviviridae

Seabed morphology and the bottom-current pathways around Rosemary Bank seamount, northern Rockall Trough, North Atlantic

Energy Technology Data Exchange (ETDEWEB)

Howe, J.A. [Dunstaffnage Marine Laboratory, Scottish Association for Marine Science, Oban, Argyll PA37 1QA, Scotland (United Kingdom); Stoker, M.S.; Bulat, J. [British Geological Survey, Murchison House, West Mains Road, Edinburgh EH9 3LA, Scotland (United Kingdom); Masson, D.G. [Southampton Oceanography Centre, Empress Dock, European Way, Southampton SO14 3ZH (United Kingdom); Pudsey, C.J.; Morris, P.; Larter, R.D. [British Antarctic Survey, High Cross, Madingley Road, Cambridge CB3 OET (United Kingdom)

2006-02-15

Rosemary Bank is a broadly domed and elongate seamount with a diameter of 70km, occurring in water depths of between 300 and 2300m, 120km west of the UK mainland in the northern Rockall Trough. Recent multibeam bathymetry and sub-bottom profiles, together with pre-existing current meter and CTD data, seismic reflection profiles and seabed core samples were examined in order to evaluate past and present bottom-current pathways and processes. The multibeam data image volcanic parasitic cones, concave slide scars and the terraced slopes of the bank. Bottom-current sedimentation is interpreted as producing a drift-moat complex surrounding the entire seamount and including two sediment wave-fields, developed to the west and east of the bank in water depths of 1500-2000m. The western drift covers an area of over 1000km{sup 2}. Sediment waves to the west of the bank are up to 150m high with wave lengths of 1.5-2km. Four 100m deep, 3km wide, linear depressions, bisect the waves and are interpreted as 25-30km long extensions of the moat. Seismic reflection profiles show the main phase of drift construction was during the mid-Miocene to Pliocene with the Pliocene to Holocene being an interval of drift maintenance. Cores from sediments draping over and adjacent to the seamount contain sandy and gravelly contourites interbedded with hemipelagites of late Pleistocene to Holocene age. Current meter and CTD data from the western moat indicate Labrador Sea Water flowing northwest, in contrast to the previously assumed anticlockwise circulation pattern around the seamount. (author)

West Africa LP gas market development study

International Nuclear Information System (INIS)

2001-01-01

Jointly sponsored with the World Bank, this essential study explores the opportunity for greatly expanded LP Gas use in the West Africa region. LP Gas supply in the area is increasing rapidly, This offers the opportunity for bringing modern energy to millions without current access, protects forests the only current source of energy for many, and encourages governments to adopt proactive policies that will reap benefits of the increasing availability of LP Gas. (author)

Methods of Payment to Banks: e-Banking. Comparative Study on Three Banks

Directory of Open Access Journals (Sweden)

Miranda Petronella VLAD

2012-11-01

Full Text Available E-banking website, majority offers the banks. At first it was electronic-banking, Internet-banking followed, followed by mobile-banking service. These services offer the same facilities, Customer Bank just that varies the channel used for communication with the Bank. The services offered by banks through E-banking, approves: compilation of orders; scheduled payments; orders for payment of wages; internal transfers; pay rates on internal or external; currency exchanges; view balances of accounts at any time; information about foreign exchange rates; view and print account statements; the definition of beneficiaries of direct payments by the client.

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

OpenAIRE

IMOLA DRIGĂ

2014-01-01

In the world of banking, the development of IT has a huge effect on development of more flexible payments methods and more user-friendly banking services. Recently, modern electronic banking services, internet and mobile banking, have rejuvenated banking transactions. Electronic banking over the Internet is one of the newest e-banking services with several benefits both for banks and for customers. The paper aims to provide an overview of online banking services highlighting various aspect...

12 CFR 619.9140 - Farm Credit bank(s).

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit bank(s). 619.9140 Section 619.9140 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9140 Farm Credit bank(s). Except as otherwise defined, the term Farm Credit bank(s) includes Farm Credit Banks...

Utilizing NASA EOS to Assist in Determining Suitable Planting Locations for Bottomland Hardwood Trees in St. Bernard Parish, Louisiana

Science.gov (United States)

Reahard, R. R.; Arguelles, M.; Ewing, M.; Kelly, C.; Strong, E.

2012-12-01

St. Bernard Parish, located in southeast Louisiana, is rapidly losing coastal forests and wetlands due to a variety of natural and anthropogenic disturbances (e.g. subsidence, saltwater intrusion, low sedimentation, nutrient deficiency, herbivory, canal dredging, levee construction, spread of invasive species, etc.). After Hurricane Katrina severely impacted the area in 2005, multiple Non-Governmental Organizations (NGOs) have focused not only on rebuilding destroyed dwellings, but on rebuilding the ecosystems that once protected the citizens of St. Bernard Parish. Volunteer groups, NGOs, and government entities often work separately and independently of each other and use different sets of information to choose the best planting sites for restoring coastal forests. Using NASA Earth Observing Systems (EOS), Natural Resource Conservation Service (NRCS) soil surveys, and ancillary road and canal data in conjunction with ground truthing, the team created maps of optimal planting sites for several species of bottomland hardwood trees to aid in unifying these organizations, who share a common goal, under one plan. The methodology for this project created a comprehensive Geographic Information System (GIS) to help identify suitable planting sites in St. Bernard Parish. This included supplementing existing elevation data using Digital Elevation Models derived from LIDAR data, and determining existing land cover in the study area from classified Advanced Spaceborne Thermal Emission and Reflection Radiometer (ASTER) imagery. Airborne Visible/Infrared Imaging Spectrometer (AVIRIS) data from a single low-altitude swath was used to assess the health of vegetation over an area near the Mississippi River Gulf Outlet Canal (MRGO) and Bayou La Loutre. Historic extent of coastal forests was also mapped using aerial photos collected between 1952 and 1956. The final products demonstrated yet another application of NASA EOS in the rebuilding and monitoring of coastal ecosystems in

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

IMOLA DRIGĂ

2014-12-01

Full Text Available In the world of banking, the development of IT has a huge effect on development of more flexible payments methods and more user-friendly banking services. Recently, modern electronic banking services, internet and mobile banking, have rejuvenated banking transactions. Electronic banking over the Internet is one of the newest e-banking services with several benefits both for banks and for customers. The paper aims to provide an overview of online banking services highlighting various aspects globally as well as in the Romanian banking system. Even if there already are several studies on web banking, this topic still remains a resourceful area for academic research in the next decade.

A hybrid model of QFD, SERVQUAL and KANO to increase bank's capabilities

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Hasan Rajabi

2012-10-01

Full Text Available In global market, factors such as precedence of competitors extending shave on market, promoting quality of services and identifying customers' needs are important. This paper attempts to identify strategic services in one of the biggest governmental banks in Iran called Melli bank for getting competition merit using Kano and SERVQUAL compound models and to extend operation quality and to provide suitable strategies. The primary question of this paper is on how to introduce high quality services in this bank. The proposed model of this paper uses a hybrid of three quality-based methods including SERVQUAL, QFD and Kano models. Statistical society in this article is all clients and customers of Melli bank who use this banks' services and based on random sampling method, 170 customers were selected. The study was held in one of provinces located in west part of Iran called Semnan. Research findings show that Melli banks' customers are dissatisfied from the quality of services and to solve this problem the bank should do some restructuring to place some special characteristics to reach better operation at the heed of its affairs. The characteristics include, in terms of their priorities, possibility of transferring money by sale terminal, possibility of creating wireless pos, accelerating in doing bank works, getting special merits to customers who use electronic services, eliminating such bank commission, solving problems in least time as disconnecting system, possibility of receiving foreign exchange by ATM and suitable parking in city.

FAKTOR-FAKTOR YANG MEMENGARUHI TINGKAT KOLEKTIBILITAS PEMBIAYAAN SEKTOR UMKM (STUDI KASUS : BANK SYARIAH XYZ KANTOR CABANG JAKARTA BARAT

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Raden Yogi Arieffiandi

2016-09-01

Full Text Available The objectives of this study are to analyze the factors that affect the financing collectability in XYZ Sharia Bank branch office in West Jakarta, to formulate and recommend a strategic planning of the bank to reduce the level of Non-Performing Loans (NPF in the future. Logistic regression and SWOT matrix were utilized as the methods of this study. Thus, the results showed that the factors influencing the financing collectability of XYZ Sharia Bank customers are financing agreement types, margin/profit sharing equivalent rate, economic sectors, and value of the company Altman Z-Score. From the analyses of both external and internal factors, it reveals that strategic factors are identified to reduce the value of NPF in XYZ Sharia Bank West Jakarta i.e. by performing defensive actions. The assessment results of the strategy in XYZ Islamic Bank, West Jakarta, in terms of SWOT in tightening the cost analysis of SME sector, are as follow: carrying out the process of cost analysis more carefully and thoroughly, and conducting HR personnel training, or sharing with other branches in the neighboring areas, anticipating over assessment by adopting an independent assessor, performing more detailed screening in doing financing disbursement, and maximizing the existing internal regulations related to the financing facility.Keywords: Collectable financing, logistic regression, SWOT, Altman Z-Score, SMEABSTRAKTujuan dari penelitian ini adalah menganalisis faktor-faktor yang berpengaruh terhadap kolektibilitas pembiayaan pada Bank Syariah XYZ kantor cabang Jakarta Barat dan merumuskan dan merekomendasikan perencanaan strategis Bank Syariah XYZ dalam rangka menekan tingkat Non Performing Loans (NPF di masa yang akan datang. Metode penelitian ini menggunakan regresi logistik dan matriks SWOT. Hasil dari penelitian ini diperoleh faktor-faktor yang memengaruhi kolektibilitas pembiayaan oleh nasabah Bank Syariah XYZ adalah Jenis akad pembiayaan, tingkat equivalent

Archeological Testing at Two Sites Near White Castle, Iberville Parish, Louisiana: 16 IV 147 and 16 IV 149

Science.gov (United States)

1988-07-26

styraciflua), green ash (Fraxinus pennsylvania), nutall oak (Quercus nutalli), water oak (Quercus arkansana), elm (Ulmus), and pecan (Carya illinoensis) may...Cotton production lessened, while rice, corn, fruit and pecans increased (Iberville Parish Planning Board 1945). Livestock breeding increased during the...glazed ware manufactured in France. Similar wares from Holland and England are known as delft. Equivalents in Italy , Iberia, and Mexico are called

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

Hospitals, The featured data collection is the USGS-LAGIC Coastal Parishes Structures Project. This ongoing project was started in 2009 with the intent to map critical infrastructure in the Coastal Zone. The initial four parishes included Lafourche, Plaquemine, St. , Published in 2011, 1:12000 (1in=1000ft) scale, LSU Louisiana Geographic Information Center (LAGIC).

Data.gov (United States)

NSGIC Education | GIS Inventory — Hospitals dataset current as of 2011. The featured data collection is the USGS-LAGIC Coastal Parishes Structures Project. This ongoing project was started in 2009...

Hospitals, The featured data collection is the USGS-LAGIC Coastal Parishes Structures Project. This ongoing project was started in 2009 with the intent to map critical infrastructure in the Coastal Zone. The initial four parishes included Lafourche, Plaquemine, St., Published in 2011, 1:12000 (1in=1000ft) scale, LSU Louisiana Geographic Information Center (LAGIC).

Data.gov (United States)

NSGIC Education | GIS Inventory — Hospitals dataset current as of 2011. The featured data collection is the USGS-LAGIC Coastal Parishes Structures Project. This ongoing project was started in 2009...

Relationship Banking in Labor Bank

OpenAIRE

三村, 聡

2012-01-01

As Labor bank is seemed as business partner of labor union, it contributes each community activities. For example, Labor bank helps retired employee, laborer and inhabitants. In addition, after the amendment of Money Lending Business Act of 2010, labor bank became clearly community based bank by consulting for heavily-indebted people and their education. This paper analyzes the new role of labor bank such as community contribution and enhancing financing service by collecting of the opinion o...

Bank, Banking System, Macroprudential Supervision, Stability of Banking System

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Tetiana Vasilyeva

2016-10-01

Full Text Available Intensification of financial development during last decade causes transformation of banking sector functioning. In particular, among the most significant changes over this period should be noted the next ones: convergence of financial market segments and appearance of cross-sector financial products, an increase of prevailing of financial sector in comparison with real economy and level of their interdependent, an intensification of crisis processes in financial and especially banking sector and a significant increase of the scale of the crisis consequences etc. thus, in such vulnerable conditions it is become very urgent to identify the relevant factors that can influence on the stability of banking sector, because its maintenance seems to be one of the most important preconditions of the stability of the national economy as a whole. Purpose of the article is to analyze key performance indicators of the Ukrainian banking system, clarify its main problems, identify relevant factors of the stability of the Ukrainian banking system and the character of their influence on the dependent variable. Realization of the mentioned above tasks was ensured by regression analysis (OLS regression. Analysis of key indicators that characterize current situation in the Ukrainian banking system found out the existence of numerous endogenous and exogenous problems, which, in turn, cause worsening most of analyzed indicators during 2013-2015. Unfavorable situation in Ukrainian banking system determined the necessity of identification of relevant factors of banking system stability to avoid transmission of financial shocks. According to the results of regression analysis on the stability of banking sector positively influence such factors as increase of interest margin to gross income ratio, reserves to assets ratio, number of branches, ratio of non-performing loans to total loans. Meanwhile, negative impact on stability of banking system has an increase of liquid

Ethnobotany of Indigenous Saraguros: Medicinal Plants Used by Community Healers “Hampiyachakkuna” in the San Lucas Parish, Southern Ecuador

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José M. Andrade

2017-01-01

Full Text Available This paper reports the results of an ethnobotanical survey on the use of medicinal plants by community healers “Hampiyachakkuna” in the San Lucas Parish, province of Loja, Ecuador. A particular ethnic group, the indigenous Saraguros, inhabits this region. This study reports 183 plant species used in 75 different curative therapies by the Saraguro healers.

Ethnobotany of Indigenous Saraguros: Medicinal Plants Used by Community Healers “Hampiyachakkuna” in the San Lucas Parish, Southern Ecuador

Science.gov (United States)

Lucero Mosquera, Hernán; Armijos, Chabaco

2017-01-01

This paper reports the results of an ethnobotanical survey on the use of medicinal plants by community healers “Hampiyachakkuna” in the San Lucas Parish, province of Loja, Ecuador. A particular ethnic group, the indigenous Saraguros, inhabits this region. This study reports 183 plant species used in 75 different curative therapies by the Saraguro healers. PMID:28744470

Farmers' attitude toward treated sludge use in the villages of West Bank, Palestine.

Science.gov (United States)

Rashid, Md M; Kattou'a, Mary G; Al-Khatib, Issam A; Sato, Chikashi

2017-07-01

An application of treated sewage sludge on agricultural land has been widely accepted, as this method is simple and economical for disposal of wastewater residues. When applied properly on an agricultural land, sludge can replenish organic matter and nutrients in soil. Although sewage sludge has been used in agriculture in many parts of the world, its acceptability varies with different cultures and beliefs among farmers. Farmers' concerns on sludge use are primarily due to its anthropogenic origin, pollutants that it carries, a general perception of sewage being dirty, and its offensive odor. This paper aims to investigate farmers' perceptions on land application of treated sewage sludge on their farm. This study targeted two farming communities, namely, Anza and Beit Dajan villages, located in Jenin and Nablus districts in the West Bank, Palestine. In this study, a sample of 106 farmers were randomly selected and surveyed through a mixture of structured and open-ended questions. Results indicated that, overall, farmers have positive perceptions on land application of sludge. A majority of the farmers are in favor of the concept of sludge use when a planned wastewater treatment plant is constructed and it becomes operational. Results also indicate that a majority of the farmers are in favor of using sludge for fertilizing fruit trees, rather than growing vegetables and other plants in a greenhouse, and that many of them have knowledge of sludge properties and advantages and disadvantages of sludge use in agriculture. Despite the positive perceptions by the majority of farmers, a small fraction of the farmers are in disfavor of the use of sludge for the following reasons: psychological and social concerns, potential health risks, and their religious beliefs. Results further suggest that the land application of treated sewage sludge can be accepted by more farmers if the consumers are willing to buy agricultural products fertilized by sludge, sludge meets the public

Substance use among Palestinian youth in the West Bank, Palestine: a qualitative investigation

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Salwa G. Massad

2016-08-01

Full Text Available Abstract Background Youth health risk behaviors, including substance use (psychoactive substances including alcohol and illicit drugs, have been the subject of relatively limited study to date in Middle Eastern countries. This study provides insights into the perceived prevalence and patterns of alcohol and drug use among Palestinian youth. Methods The study was based on ten focus groups and 17 individual interviews with youth aged 16–24 years (n = 83, collected as part of the formative phase of a cross-sectional, population representative study of risk taking behaviors among Palestinian youth in the West Bank in 2012. Qualitative analysis was used to code detailed notes of focus groups and interviews. Results Most participants reported that substance use exists, even in socially conservative communities. Almost all participants agreed that alcohol consumption is common and that alcohol is easily available. The top alcoholic drinks referred to by the study participants were vodka, whisky, beer, and wine. Most participants claimed that they drink alcohol to cope with stress, for fun, out of curiosity, to challenge society, and due to the influence of the media. Participants were familiar with illicit drugs and knew of youth who engaged in drug use: marijuana, cocaine, and heroin were mentioned most frequently. Study participants believed that youth use drugs as a result of stress, the Israeli occupation, inadequate parental control, lack of awareness, unhappiness, curiosity, and for entertainment. Many participants were unaware of any local institutions to support youth with substance use problems. Others expressed their distrust of any such institution as they assumed them to be inefficient, profit-driven, and posing the risk of potential breaches of confidentiality. Conclusions Although this study uses a purposive sample, the results suggest that substance use exists among Palestinian youth. Risk behaviors are a concern given inadequate

Substance use among Palestinian youth in the West Bank, Palestine: a qualitative investigation.

Science.gov (United States)

Massad, Salwa G; Shaheen, Mohammed; Karam, Rita; Brown, Ryan; Glick, Peter; Linnemay, Sebastian; Khammash, Umaiyeh

2016-08-17

Youth health risk behaviors, including substance use (psychoactive substances including alcohol and illicit drugs), have been the subject of relatively limited study to date in Middle Eastern countries. This study provides insights into the perceived prevalence and patterns of alcohol and drug use among Palestinian youth. The study was based on ten focus groups and 17 individual interviews with youth aged 16-24 years (n = 83), collected as part of the formative phase of a cross-sectional, population representative study of risk taking behaviors among Palestinian youth in the West Bank in 2012. Qualitative analysis was used to code detailed notes of focus groups and interviews. Most participants reported that substance use exists, even in socially conservative communities. Almost all participants agreed that alcohol consumption is common and that alcohol is easily available. The top alcoholic drinks referred to by the study participants were vodka, whisky, beer, and wine. Most participants claimed that they drink alcohol to cope with stress, for fun, out of curiosity, to challenge society, and due to the influence of the media. Participants were familiar with illicit drugs and knew of youth who engaged in drug use: marijuana, cocaine, and heroin were mentioned most frequently. Study participants believed that youth use drugs as a result of stress, the Israeli occupation, inadequate parental control, lack of awareness, unhappiness, curiosity, and for entertainment. Many participants were unaware of any local institutions to support youth with substance use problems. Others expressed their distrust of any such institution as they assumed them to be inefficient, profit-driven, and posing the risk of potential breaches of confidentiality. Although this study uses a purposive sample, the results suggest that substance use exists among Palestinian youth. Risk behaviors are a concern given inadequate youth-friendly counseling services and the strong cultural

The Response of Performance to Merger Strategy in Indonesian Banking Industry: Analyses on Bank Mandiri, Bank Danamon, and Bank Permata

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Murti Lestari

2010-05-01

Full Text Available This study analyzes the responses of performances of BankMandiri, Bank Danamon, and Bank Permata to merger strategy.This paper harnesses the quantitative approach with structuralbreak analysis method and impulse response function. Theplausible findings indicate that the merger of Bank Permataproduces a better performance response in comparison to theconsolidation of Bank Mandiri and the merger of Bank Danamon.The merger of Bank Permata does not result in performanceshocks, and the structural break does not prevail either. On theother hand, the consolidation of Bank Mandiri and the mergerof Bank Danamon result in structural breaks, particularly in thespread performance. In order to return to the stable position, themergers of Bank Mandiri and Bank Danamon require a longertime than does the merger of Bank Permata. This researchindicates that for large banks, the mergers and acquisitions(retaining one existing bank will deliver a better performanceresponse than will the consolidations (no existing bank. Keywords: impulse response function; merger; structural break

Half a Century of Life Don Khutor: the Parish Chronicle of St. Panteleimon• s Church of Khutor Letovskiy, Stanitsa Kremenskaia, Ust`-Medveditskaya District, Troops of the Don Region (1873-1929

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Ageev Evgenii, priest

2016-12-01

Full Text Available The article puts forward into scientific circulation a valuable source on the history of the parish life of the late 19th — early 20th century on the Don — the parish chronicle found in one of the investigations of the repressed clergy. This chronicle is unique high temporal coverage, from 1873 to 1929, it includes the years of revolution, Civil war on the Don and the first post-revolutionary decade. The author gives a brief overview of the history of the chronicle, the characteristics of its six authors — rural priests. The first thirty years were marked by the construction and decoration of the church and the absence of conflict. The early twentieth century was marked by the confl icts of the parishioners with the clergy. In the chronicle it was described the hardships of the lives of ordinary Cossacks, the scourge of Civil war, the famine of the early 1920s. In the postwar years there has been growing discontent of the parishioners by the activities of the Soviet government: tax policy, anti-religious propaganda and oppression of the clergy, beginning with collectivization. Narratives are rural priests, and it refl ects their own perception of the key events of the age. The author in the article examines the attitude of the parishioners to the Church, their perception of current events, participation in parish life. He concludes on a high degree of involvement of Cossacks in the Church life, the importance of the Church in their daily lives. The facts given in the article, suggest the sustainability of the parish farm, the community was able to survive in the turmoil of the Civil war. Forced destruction of parish life in the years of collectivization destroyed the community and has led to the degradation and disappearance of rural settlement. The last author of the chronicle was repressed, he and those arrested with him the clergy and parishioners were accused of preparing an armed uprising. The chronicle shows that this

Internal solitary waves on the Saya de Malha bank of the Mascarene Plateau: SAR observations and interpretation

Science.gov (United States)

New, A. L.; Magalhaes, J. M.; da Silva, J. C. B.

2013-09-01

Energetic Internal Solitary Waves (ISWs) were recently discovered radiating from the central region of the Mascarene Plateau in the south-western Indian Ocean (da Silva et al., 2011). SAR imagery revealed the two-dimensional structure of the waves which propagated for several hundred kilometres in deep water both to the east and west of a sill, located near 12.5°S, 61°E between the Saya de Malha and Nazareth banks. These waves were presumed to originate from the disintegration of a large lee wave formed on the western side of the sill at the time of maximum barotropic flow to the west. In the present paper we focus instead on ISWs propagating in the shallow water above the Saya da Malha (SM) bank (to the north of the sill), rather than on those propagating in deep water (here denominated as type-I or -II waves if propagating to the west or east respectively). Analysis of an extended SAR image dataset reveals strong sea surface signatures of complex patterns of ISWs propagating over the SM bank arising from different sources. We identify three distinct types of waves, and propose suitable generation mechanisms for them using synergy from different remotely sensed datasets, together with analyses of linear phase speeds (resulting from local stratification and bathymetry). In particular, we find a family of ISWs (termed here A-type waves) which results from the disintegration of a lee wave which forms on the western slopes of SM. We also identify two further wave trains (B- and C-type waves) which we suggest result from refraction of the deep water type-I and -II waves onto the SM bank. Therefore, both B- and C-type waves can be considered to result from the same generation source as the type-I and -II waves. Finally, we consider the implications of the ISWs for mixing and biological production over the SM bank, and provide direct evidence, from ocean colour satellite images, of enhanced surface chlorophyll over a shallow topographic feature on the bank, which is

BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

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Yuliya Onyshchenko

2015-11-01

Full Text Available The purpose of the paper is to work out and characterize bank business models that are formed in Ukraine. Methodology. Our research we will spend among banks that are functioning on the Ukrainian financial market and are not on the stage of liquidation, so the sample under study in our work is comprised of 131 banks which are different in their ownership structure and size. The core of the methodology is a statistical clustering algorithm that allows identifying the groups of banks (clusters with similar business models as banks with similar business model strategies have made similar choices regarding the composition of their assets and liabilities. The cluster analyses were taken on the base of seven chosen indicators: bank loans, bank liabilities, enterprise loans, enterprise liabilities, household loans, household liabilities and trading assets. Results. The traditional business model of bank is worked out. The bank business models that are functioning in Ukraine are identified on the base of cluster analyses using balance sheet characteristics of 131 Ukrainian banks. We find that in Ukraine were formed three types of bank business models: “Focused retail”, “Diversified retail” and “Corporative retail”. The description of each model is given. Practical implications. More detailed research of distinguished models allows not only to find out the main advantages and disadvantages of each bank model, but also the main problems that follow the development of Ukrainian banking sector. Identifying of bank models and their studying simplifies searching and elaboration of regulatory instruments as there is a two-way causation between regulation and bank business models. This implies a symbiotic relationship between regulation and bank business models: business models respond to regulation which in turn responds to the evolution of new business models. Value/originality. Such survey is conducted at the first time among Ukrainian banks. The

Parish school inspection as a means of implementation of the policy on Paraná’s provincial education (1853-1889

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Maria Elisabeth Blanck Miguel

2015-07-01

Full Text Available This paper addresses the primary public inspection, particularly that exercised by parish inspectors, considered as one of the forms of manifestation of the policy on education. A research about reports and official letters concerning the primary public education in Paraná in the provincial period (1853-1889 shows ordinary school issues and, especially, the relationship between teachers and the authorities responsible for the administration and control of the work in schools. This paper aims to deep the knowledge on parish inspection and literary council, as components of the inspection that used to be present in the relations between teachers and inspectors. The methodology includes documental research, analysis of sources and crossing of information from reports and official letters with the provincial legislation of Paraná. We can conclude that, in spite of a relative legal organization when it comes to the distribution of administrative functions and control over public instruction, the latter remained quite precarious at the end of the provincial period, since only with the advance of social relations of production of material life the school would become necessary.

RELATION BETWEEN ISLAMIC BANK AND CENTRAL BANK

OpenAIRE

PAKSOY, H. Mustafa; ABAROSS, Nour

2015-01-01

This study deals with the nature of Islamic banks and their features, and requirements of these features in terms of control tools and methods appropriate with the particularity of their business and their relation with the traditional central bank. At the same time aims to view the relationship between Islamic bank and central bank. To explain this relation the researcher started to explain what is the central bank, objectives of central bank, and characteristics, what is Islamic bank and ob...

Sediment transport and development of banner banks and sandwaves in an extreme tidal system: Upper Bay of Fundy, Canada

Science.gov (United States)

Li, Michael Z.; Shaw, John; Todd, Brian J.; Kostylev, Vladimir E.; Wu, Yongsheng

2014-07-01

Multibeam sonar mapping and geophysical and geological groundtruth surveys were coupled with tidal current and sediment transport model calculations to investigate the sediment transport and formation processes of the complex seabed features off the Cape Split headland in the upper Bay of Fundy. The Cape Split banner bank, composed of coarse to very coarse sand, is a southwest-northeast oriented, large tear-drop shaped sand body with superimposed sand waves that show wavelengths from 15 to 525 m and heights from 0.5 to 19 m. Isolated and chains of barchan dunes occur on top of a shadow bank to the southeast of the banner bank. The barchan dunes are composed of well-sorted medium sand and are oriented northwest-southeast. Their mean height and width are 1.5 and 55 m, respectively. A gravel bank, with an elongated elliptical shape and west-east orientation, lies in the Minas Passage erosional trough east of the headland to form the counterpart to the sandy Cape Split banner bank. The southern face is featureless but the northern face is covered by gravel megaripples. Tidal model predictions and sediment transport calculations show that the formation of the banner bank and the gravel bank are due to the development of the transient counter-clockwise and clockwise tidal eddies respectively to the west and east of the headland. The formation of barchan dunes is controlled by the nearly unidirectional flow regime in outer Scots Bay. Sand waves on the flanks of the Cape Split banner bank show opposite asymmetry and the barchan dunes are asymmetric to the northeast. The tidal current and sediment transport predictions corroborate bedform asymmetry to show that sand wave migration and net sediment transport is to southwest on the northern flank of the banner bank but to northeast on the southern bank. Long-term migration of the Scots Bay barchan dunes is to the northeast. Spring-condition tidal currents can cause frequent mobilization and high-stage transport over the

Is shadow banking really banking?

OpenAIRE

Bryan J. Noeth; Rajdeep Sengupta

2011-01-01

To those who don't know, the term "shadow banking" probably has a negative connotation. This primer draws parallels between what has been termed the shadow banking sector and the traditional banking sector—showing that they are similar in many ways.

BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

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Rahmatina A. Kasri

2017-08-01

Full Text Available Bank run is an important economic phenomenon which increasingly occurred in in modern banking system and potentially threatened banking stability as it could trigger a banking crisis. However, most studies related to bank run focus on the occurrence of bank run in conventional banking system. Very few of them discuss the bank run phenomenon under Islamic banking system or dual banking system where Islamic banks jointly operating with conventional banks. Therefore, this study attempts to analyze the determinants of bank run in the Indonesian Islamic banking industry by employing primary data from 256 customers of Indonesia Islamic banks in 2015 and by utilizing factor analysis and descriptive statistics. In theory, Islamic banks tend to be more resilient towards any macroeconomic or financial shocks as compared to conventional banks due to the nature of its asset-based and risk-sharing arrangement. However, the result exhibits that both psychological and fundamental factors (i.e. macroeconomics and bank fundamentals strongly influence the behaviors of Islamic banking depositors to withdraw their funds, which might trigger the occurrence of bank runs in the country. Insider information, macroeconomic condition and bank fundamental factors are also shown to have the highest impacts among all variables. Hence, in the context of banking stability, the finding implies that Islamic banks are not completely immune to the impacts of macroeconomic shocks or financial crisis. As a country with a dual banking system, Indonesia had experienced several bank runs since 1990s. Therefore, the findings of the study should provide the policy makers important insight into research based-policy in order to attain financial stability as one of the main economic goals of the country. Keywords: Bank run, Islamic bank, Factor analysis, Indonesia JEL Classification: C83, G21, G28

Simulating Retail Banking for Banking Students

Science.gov (United States)

Supramaniam, Mahadevan; Shanmugam, Bala

2009-01-01

The purpose of this study was to examine the implementation flow and development of retail bank management simulation based training system which could provide a comprehensive knowledge about the operations and management of banks for the banking students. The prototype of a Retail banking simulation based training system was developed based on…

Bank Diversification Effects on Bank Performance and Risk Profile of Bank in Indonesia

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Anthony Lukmawijaya

2015-05-01

Full Text Available We investigate the relationship of Indonesian bank diversification towards its long term performance and risk profile with Indonesian bank data from 2009 to 2013. Non-interest income to total operating income of the bank measures its bank diversification level. Bank value is measured by the adjusted Tobin's Q and risk profile which is broken down into total risk, idiosyncratic risk, and systematic risk. The result shows that bank non-interest income diversification has a positive influence on its franchise value. There is, however, no strong evidence that diversification can lower a bank's risk profile.

Denying Foreign Bank Entry: Implications For Bank Interest Margins

OpenAIRE

Ross Levine

2003-01-01

This paper examines the impact of restricting foreign bank entry on bank net interest margins while controlling for (a) impediments to domestic bank entry, (b) the degree of foreign bank ownership of the domestic banking industry, (c) an array of bank-specific characteristics, (c) banking sectorconcentration, and (d) various country traits. Using data on almost 1200 banks across 47 countries, the results suggest that restricting foreign bank entry boosts bank net interest margins. Also, restr...

E-BANKING- MODERN BANKING SERVICES

Directory of Open Access Journals (Sweden)

MIRANDA PETRONELLA VLAD

2009-05-01

Full Text Available E-banking is the first of those banking services that really economize time, because it allows to the user to accomplish from behind the computer many operations in the bank account, represents the computational solution that allows to the holder to have

Internet Banking integration within the banking system

Directory of Open Access Journals (Sweden)

Constantin Marian MATEI

2008-01-01

Full Text Available Internet Banking developed due to increasing demand of online banking transactions. The biggest advantages of Internet Banking consist of complex banking solutions, 24 hours availability, quick and secure access to the back-end application through Internet. These advantages are due to the use of SOA (service-oriented architecture. SOA appeared as a necessity of companies to integrate big and independent portions of applications, in order to obtain an homogeneous functionality of the system. For the Internet Banking applications, SOA proved to be the optimal architectural solution, for a smoth integration between banking services from the front-end to the back-end.This paper intend to offer an insite analyse of the Internet Banking applications architecture integrated with other banking systems. A SOA oriented analyse will establish the scope of the integration architecture.

Utilizing NASA Earth Observing System (EOS) Data to Determine Ideal Planting Locations for Wetland Tree Species in St. Bernard Parish, Louisiana

Science.gov (United States)

Reahard, Ross; Arguelles, Maria; Strong, Emma; Ewing, Michael; Kelly, Chelsey

2012-01-01

St. Bernard Parish, in southeast Louisiana, is rapidly losing coastal forests and wetlands due to a combination of natural and anthropogenic disturbances (e.g. subsidence, saltwater intrusion, low sedimentation, nutrient deficiency, herbivory, canal dredging, levee construction, spread of invasive species, etc.). After Hurricane Katrina severely impacted the area in 2005, multiple Non-Governmental Organizations (NGOs) have worked not only on rebuilding destroyed dwellings, but on rebuilding the ecosystems that once protected the citizens of St. Bernard Parish. Volunteer groups, NGOs, and government entities often work separately and independently of each other and use different sets of information to choose the best planting sites for coastal forests. Using NASA EOS, NRCS soil surveys, and ancillary road and canal data in conjunction with ground truthing, the team created maps of optimal planting sites for several species of wetland trees to aid in unifying these organizations, who share a common goal, under one plan. The methodology for this project created a comprehensive Geographic Information System (GIS) to help identify suitable planting sites in St. Bernard Parish. This included supplementing existing elevation data using LIDAR data and classifying existing land cover in the study area from ASTER multispectral satellite data. Low altitude AVIRIS hyperspectral imagery was used to assess the health of vegetation over an area near the intersection of the Mississippi River Gulf Outlet Canal (MRGO) and Bayou la Loutre. Historic extent of coastal forests was mapped using aerial photos from USGS collected between 1952 and 1956. The final products demonstrated the utility of combining NASA EOS with other geospatial data in assessing, monitoring, and restoring of coastal ecosystems in Louisiana. This methodology also provides a useful template for other ecological forecasting and coastal restoration applications.

Interest Free Banking in Nigeria - Welcome Islamic Banking ...

African Journals Online (AJOL)

Interest Free Banking in Nigeria - Welcome Islamic Banking; Welcome Christian Banking. ... banks pay interest on deposits, and charge interest on loans and advances, ... However, the literature on interest rates, in relation to Commercial Bank ...

Food habits of some deep-sea fish off South Africa's west coast. 2 ...

African Journals Online (AJOL)

The food habits of five species of eels and one species of spiny eel collected from the upper continental slope off the Cape west coast and Agulhas Bank, South Africa, are described. All are members of a defined demersal micro- or mesocarnivore feeding guild except Simenchelys parasitica, a scavenger. Two congrids ...

Behind the Public Face of Kew: Education and Conservation in the Millennium Seed Bank

Science.gov (United States)

McFarlane, Angela

2010-01-01

At its Wakehurst Place garden in West Sussex, the Royal Botanic Gardens, Kew, has established the UK home of one of the world's largest conservation projects, the Millennium Seed Bank (MSB) partnership, a global project to conserve biodiversity by collecting and preserving seeds. This article describes what the MSB partnership does, how seeds are…

Impact of E-Banking on Traditional Banking Services

OpenAIRE

Vyas, Shilpan Dineshkumar

2012-01-01

Internet banking is changing the banking industry, having the major effects on banking relationships. Banking is now no longer confined to the branches were one has to approach the branch in person, to withdraw cash or deposit a cheque or request a statement of accounts. In true Internet banking, any inquiry or transaction is processed online without any reference to the branch (anywhere banking) at any time. Providing Internet banking is increasingly becoming a "need to have" than a "nice to...

Pengaruh Kualitas Layanan Mobile Banking (M-Banking Terhadap Kepuasan Nasabah di Indonesia [Effect of Mobile Banking (M-Banking Service Quality on Customer Satisfaction in Indonesia

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Aditya Wardhana

2015-09-01

Full Text Available The research aim was to assess the influence of the service quality of mobile banking (m-banking against customer satisfaction at the greatest banks in Indonesia. Elements of the quality of mobile banking services (m-banking were speed, security, accuracy, and trust. The population of this study was bank customers from eight of the greatest bank in Indonesia -- Bank Mandiri, Bank BRI, Bank BCA, Bank BNI, Bank CIMB Niaga, Bank Danamon, Bank Permata, and Bank Panin -- who used mobile banking which totaled 19.9 million customers with the size of the sample being 400 respondents. The sampling method used nonprobability sampling by incidental sampling. The results by using a structural equation modeling (SEM found significant influences between service quality of mobile banking (m-banking partially and simultaneously to customer satisfaction.

Physicians' knowledge and practice on death certification in the North West Bank, Palestine: across sectional study.

Science.gov (United States)

Qaddumi, Jamal A S; Nazzal, Zaher; Yacoub, Allam; Mansour, Mahmoud

2018-01-08

Mortality data are essential for many aspects of everyday public health practices at both national and international levels. Despite the current developments in various aspects of the medical field, the apparent inability of physicians to complete death notification forms (DNF) accurately is still worldwide concern. The aim of this study is to assess the physicians' knowledge and practice on completing the DNF. A self-administered questionnaire was distributed to 200 physicians in governmental and non-governmental hospitals in the North West-Bank in Palestine. Furthermore, a case scenario was included in the questionnaire and physicians were asked to fill the cause of death section. The percentage of errors committed while completing the cause of death section were computed. A Chi square test was used to assess the association between physicians' characteristics and their responses. Only 40.6% of the participants completed the cause of death section correctly. The immediate and underlying causes of death were correctly identified by 48.7% and 71.3% of physicians, respectively. Almost one-fifth (17.3%) of physicians wrote the mechanism of death without reporting the underlying cause of death and 14.7% of them reported the sequence of events leading to death incorrectly. Physicians' knowledge and practice on completing the DNF is poor and insufficient, which may seriously affect the accuracy of mortality data. Complicated cases, problems in the current design of the DNFs and lack of training were the most common factors contributing to inaccuracy in death certification. We recommend offering periodical training workshops on completing the DNF to all physicians, and developing a manual on completing the DNFs with clear instructions and guidelines.

Role of Foreign Banks in Integration of Banking Industry

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Roman Šubić

2009-12-01

Full Text Available Dynamic development of financial industry in some last ten years that, considering the kind of financial agents, remained bank-oriented represents a suficient reason to investigate the causes that brought to the present structure of banking system. After having presented theoretical bases of the integration forms and banks connection, the paper analyzes the influence of foreign banks on the development of Croatian bank system. Thus, beside the knowledge of quantitative changes in the banking system, the paper researched the motivations of the banks regarding integration that, among other things, brought to creating the effects of scale and scope economies. However, the concentrations among banks can lead to creation of negative externalities that later become potential dangers for the banking. Pre-cognitions on development of banking system are used to create projection of future banking development while the data basis of the countries from the region enabled the comparative analysis of banks integration in these countries. The conclusion is that the foreign banks have been the largest promoters of bank integration in the Republic of Croatia contributing also to qualitative development of banking market and to deepening of financial market spectrum.

Analisis Perbandingan Bank Umum Konvensional Dan Bank Umum Syariah

OpenAIRE

Nuryati; Gendis Gumilar, Amethysa

2011-01-01

This study analyzes and compares the financial risk of the two types of commercial banks, namely conventional commercial bank and Islamic commercial bank. Analysis tools used in this study is to use financial ratios and dicriminant values (Z values). Analysis showed that the ratio of liquidity and solvability ratios higher islamic commercial bank than conventional commercial bank. Z values higher islamic commercial bank than conventional commercial bank. The commercial banks are in a state of...

Is banking supervision central to central banking?

OpenAIRE

Joe Peek; Eric S. Rosengren; Geoffrey M. B. Tootell

1997-01-01

Whether central banks should play an active role in bank supervision and regulation is being debated both in the United States and abroad. While the Bank of England has recently been stripped of its supervisory responsibilities and several proposals in the United States have advocated removing bank supervision from the Federal Reserve System, other countries are considering enhancing central bank involvement in this area. Many of the arguments for and against these proposals hinge on the effe...

Molecular characterisation of Escherichia coli from dead broiler chickens with signs of colibacillosis and ready-to-market chicken meat in the West Bank.

Science.gov (United States)

Qabajah, M; Awwad, E; Ashhab, Y

2014-01-01

1. The aim of this work was to compare a group of virulence-associated characteristics of Escherichia coli isolates from broiler chickens that had died with signs of colibacillosis against E. coli isolates from ready-to-market chicken meat in the West Bank. 2. The isolates were investigated to determine the virulence factor (VF) profile, phylogenetic group and the presence of extended-spectrum beta-lactamase (ESBL). A total of 66 avian pathogenic E. coli (APEC) strains from different affected broiler farms and 21 E. coli isolates from ready-to-market chicken carcasses (hereinafter called meat strains) from 8 slaughter houses were analysed. 3. The overall content of VFs was significantly higher (P chicken meat can be contaminated with APEC strains (≥4 VF). A significant percentage of the meat strains fall in the B2 group, which is a phylogroup largely associated with human pathogenic ExPEC strains. The results of ESBL screening indicated that broiler chicken products in Palestine represent a potential reservoir of ESBL genes and therefore could be considered a possible public health risk.

Factors that Influenced People to Become Islamic Bank customer: a study on kancana VIllagers

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Indah Mulia Sari

2015-03-01

Full Text Available Islamic  finance  and  banking  industry in Indonesia has shown a significant growth, average growth of 30% more per year in the last five years, with a total number of Islamic banks customers as much as 12 million accounts, or market share 4.8%. In this study, researchers attempt  to  describe  the  events  in  rural  districts West  Java  related  to  the  factors that influence people to become customers of Islamic banks. Data processing by tabulation and scoring and based on the analysis and discussion are carried out. The results of this study indicate that the Islamic bank customers’ data are mostly women in productive age with maximum a senior high school education and their profession up mostly  are  traders. Others  reasearch  results  related to  factors which influence people to become customers of Islamic banks were influenced by psychological, social, personal, economic and cultural factors.DOI:10.15408/aiq.v7i1.1360

Regional Banks in the Russian Banking System

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Mikhail Vitalyevich Leonov

2015-06-01

Full Text Available Despite the lack of a uniform definition of «a regional bank», problems of their activities are widely discussed in the context of increasing regulation of the banking sector and creation of conditions for accelerated development of certain regions. The author analyses the Russian-language scientific literature in order to define «a regional bank» and systematize its key differences from other commercial banks. The researcher shows that the allocation of regional banks in a separate group should be related to specific features of the environment and not by endogenous factors associated with the selection of activities and balance sheet structure. The low level of financial market development and concentration of specific undiversified risks are the principal qualifiers differentiating between regional banks and other credit institutions in Russia. As classification criteria the author uses following: spatial representation (the bank does not have structural subdivisions in Moscow and the ownership structure (among the bank’s owners there are no national and international financial groups that have a direct impact on the operations of the bank

Mobile banking: New trend in the contemporary banking sector

Directory of Open Access Journals (Sweden)

Sanader Dušica

2014-01-01

Full Text Available In the late 1990s and early 2000s, banking has undergone and is still undergoing some considerable changes, adjusting itself to the new circumstances and challenges in its environment. Modern information technologies have granted an opportunity to banks to expand their operations and adjust their offer of products and services, placing them through the new communication channels. The increasing reliance on mobile devices, especially the so-called smart phones, has facilitated the development of a new form of banking, known as mobile banking. Mobile banking is a specific channel of electronic banking, enabling clients to communicate with the bank via mobile devices. The bank's products and services are, thus, available to the clients at any time and at any place, and the banking sector is expected to perfectly understand the needs of today's clients, before implementing mobile banking. The research in this paper focuses on mobile banking, as a segment of electronic banking, which has developed under the influence of modern information technologies. The paper elaborates on the main characteristics of mobile banking, its advantages, but also its drawbacks that the banks and their clients are facing in the process of its utilization (or its implementation in practice. Moreover, the paper presents the trends of using mobile banking in the world and in Serbia, along with the tendencies for developing new services.

Deep water marine algal flora of the submerged banks off west coast of India

Digital Repository Service at National Institute of Oceanography (India)

Ambiye, V.; Untawale, A.G.

A survey of submerged banks off India viz Cora Divh, Sessostris and Bassas de-Pedro resulted in obtaining information on the rich and diverse marine algal flora from various depths ranging from 18-70 m. A programme of onboard dredging was undertaken...

FRACTIONAL BANKING

OpenAIRE

Maria Klimikova

2010-01-01

Understanding the reasons of the present financial problems lies In understanding the substance of fractional reserve banking. The substance of fractional banking is in lending more money than the bankers have. Banking of partial reserves is an alternative form which links deposit banking and credit banking. Fractional banking is causing many unfavorable economic impacts in the worldwide system, specifically an inflation.

Acoustic Seabed Characterization of the Porcupine Bank, Irish Margin

Science.gov (United States)

O'Toole, Ronan; Monteys, Xavier

2010-05-01

The Porcupine Bank represents a large section of continental shelf situated west of the Irish landmass, located in water depths ranging between 150 and 500m. Under the Irish National Seabed Survey (INSS 1999-2006) this area was comprehensively mapped, generating multiple acoustic datasets including high resolution multibeam echosounder data. The unique nature of the area's datasets in terms of data density, consistency and geographic extent has allowed the development of a large-scale integrated physical characterization of the Porcupine Bank for multidisciplinary applications. Integrated analysis of backscatter and bathymetry data has resulted in a baseline delineation of sediment distribution, seabed geology and geomorphological features on the bank, along with an inclusive set of related database information. The methodology used incorporates a variety of statistical techniques which are necessary in isolating sonar system artefacts and addressing sonar geometry related issues. A number of acoustic backscatter parameters at several angles of incidence have been analysed in order to complement the characterization for both surface and subsurface sediments. Acoustic sub bottom records have also been incorporated in order to investigate the physical characteristics of certain features on the Porcupine Bank. Where available, groundtruthing information in terms of sediment samples, video footage and cores has been applied to add physical descriptors and validation to the characterization. Extensive mapping of different rock outcrops, sediment drifts, seabed features and other geological classes has been achieved using this methodology.

Analisis Perbandingan Kinerja Pada Bank Nasional, Bank Campuran, Dan Bank Asing Yang Terdaftar Di Bursa Efek Indonesia

OpenAIRE

Angel, Christania Graciella

2014-01-01

Bank performance appraisal is based on bank financial report itself. The financial report can be form balance report which give information about the financial position to the outside of bank that can be used of eksternal to assess the level of risk exist in a bank. Based on ownership consist of national bank, mixture bank and foreign bank. These banks has tight compete to show a good performance to the public. This research aimed to analyze the financial performance difference of national ba...

CUSTOMER SATISFACTION WITH INTERNET BANKING IN PUBLIC AND PRIVATE BANK

OpenAIRE

Inder Pal Singh S/o Roop singh*, Dr. Payal Bassi

2017-01-01

E- Banking is about using the infrastructure for digital age to create opportunities, both local & global. IT enables the dramatic lowering of transaction cost and the creation of new types of banking opportunities that address the barriers of time and distance. Banking opportunities are local, global and immediate in e-banking. Internet banking has many advantages over other traditional banking delivery methods. Internet banking provides banks with an increased customer base, cost savings, m...

Electronic Banking And Bank Performance In Nigeria

African Journals Online (AJOL)

2013-03-01

Mar 1, 2013 ... deploying information Technology in banks therefore can ... profitability indices and other control of financial ..... impact of e-banking on bank profitability ..... [13] Nikolai L. and Bazlay J.D (1997) Intermediate Accounting, South-.

75 FR 20848 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Science.gov (United States)

2010-04-21

... Carolina, Seneca National Bank, Seneca, South Carolina, and The Peoples National Bank, Easley, South... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

Electronic Banking And Bank Performance In Nigeria | Abaenewe ...

African Journals Online (AJOL)

This study investigated the profitability performance of Nigerian banks following the full adoption of electronic banking system. The study became necessary as a result of increased penetration of electronic banking which has redefined the banking operations in Nigeria and around the world. Judgmental sampling method ...

12 CFR 211.22 - Interstate banking operations of foreign banking organizations.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Interstate banking operations of foreign banking organizations. 211.22 Section 211.22 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM INTERNATIONAL BANKING OPERATIONS (REGULATION K) Foreign Banking...

75 FR 49493 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Science.gov (United States)

2010-08-13

... Peoples Bank and Trust Company, both of North Carrollton, Mississippi. B. Federal Reserve Bank of Dallas... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

PRIVATE BANKING AND WEALTH MANAGEMENT SERVICES OFFERED BY BANKS

OpenAIRE

IMOLA DRIGĂ; DORINA NIŢĂ; IOAN CUCU

2009-01-01

The paper examines the features of private banking business focusing on the substantial growth in private banking over the last decade as commercial banks have targeted upmarket high net worth individuals. The accumulation of wealth has prompted the development of private banking services for high net worth individuals, offering special relationships and investment services. Private banking is about much more than traditional banking services of deposits and loans. It's about providing a one-...

Banking contracts

OpenAIRE

Durčáková, Klára

2010-01-01

Resumé - Bank Contracts Bank Contracts are an integral part of our everyday lives. Citizen and bussines entities used bank contracts very often. Despite this fact we can't find legal definition in the Czech law. Banking contracts understand contracts that are signed by banks in their business activities and obligations under these contracts arise. While the banking contracts have been widely used, in Czech law there is not too much literature and judgements abou this issue. Lack of legislatio...

Stabilitas Bank, Tingkat Persaingan Antar Bank dan Diversifikasi Sumber Pendapatan: Analisis Per Kelompok Bank di Indonesia

Directory of Open Access Journals (Sweden)

Buddi Wibowo

2016-08-01

Full Text Available Abstract. The"Competition-fragility" view and The "Competition-stability" view has a contrary logical flow in predicting the relationship between bank stability and competition among banks. According to Berger et al (2009, these two views differ on credit risk aspect of loan portfolio, but on the risks faced by the bank as a whole, these two views have the same prediction. In the credit market which is dominated by few banks with substantial market power, the risk of bank credit portfolio increases as predicted by the view "competition-fragility", but the bank's overall risk does not always go up with the jump in credit portfolio risk. The paper shows that empirical test of the Indonesian banking system support this hypothesis, except in foreign bank group that has its own business model. The relationship of competition and the credit risk of banks in Indonesia also have a U -shape pattern that increasing competition in the early stages can reduce credit risk, which is due to increasing income diversification and diversification of bank credit type, but at a certain point the increasing competition has worsened the quality of bank credit portfolio. Key word: banking competition, risk, stability, fragility, diversification

Internet Banking integration within the banking system

OpenAIRE

Constantin Marian MATEI; Catalin Ionut SILVESTRU; Dragos Stefan SILVESTRU

2008-01-01

Internet Banking developed due to increasing demand of online banking transactions. The biggest advantages of Internet Banking consist of complex banking solutions, 24 hours availability, quick and secure access to the back-end application through Internet. These advantages are due to the use of SOA (service-oriented architecture). SOA appeared as a necessity of companies to integrate big and independent portions of applications, in order to obtain an homogeneous functionality of the system....

76 FR 78052 - Wells Fargo Bank, N.A., et al.; Notice of Application and Temporary Order

Science.gov (United States)

2011-12-15

...; First International, 30 Fenchurch Street, London, England, UK EC3M 3BD; Metropolitan West, 610 Newport... Exchange Commission v. Wells Fargo Bank, N.A., Case No. 2:11-cv-07135-WJM-MF (D.N.J. Dec. 9, 2011... disclosure and other obligations under the federal securities laws. 6. Applicants also state that, if they...

75 FR 5322 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Science.gov (United States)

2010-02-02

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. [thinsp]225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank...

75 FR 3904 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Science.gov (United States)

2010-01-25

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. [thinsp]225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank...

75 FR 9414 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Science.gov (United States)

2010-03-02

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. [thinsp]225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire a bank or bank...

Central bank capital, financial strength, and the Bank of Japan

OpenAIRE

Thomas F. Cargill

2006-01-01

This Economic Letter addresses central bank capital and financial strength in the context of Bank of Japan policy (Cargill 2005). Specifically, it reviews general considerations about central bank capital and financial strength, discusses recent Bank of Japan policy in the context of capital structure, evaluates the Bank of Japan's concern in the context of the broader issue of central bank independence, and draws some lessons from recent Bank of Japan policy.

VA's National PTSD Brain Bank: a National Resource for Research.

Science.gov (United States)

Friedman, Matthew J; Huber, Bertrand R; Brady, Christopher B; Ursano, Robert J; Benedek, David M; Kowall, Neil W; McKee, Ann C

2017-08-25

The National PTSD Brain Bank (NPBB) is a brain tissue biorepository established to support research on the causes, progression, and treatment of PTSD. It is a six-part consortium led by VA's National Center for PTSD with participating sites at VA medical centers in Boston, MA; Durham, NC; Miami, FL; West Haven, CT; and White River Junction, VT along with the Uniformed Services University of Health Sciences. It is also well integrated with VA's Boston-based brain banks that focus on Alzheimer's disease, ALS, chronic traumatic encephalopathy, and other neurological disorders. This article describes the organization and operations of NPBB with specific attention to: tissue acquisition, tissue processing, diagnostic assessment, maintenance of a confidential data biorepository, adherence to ethical standards, governance, accomplishments to date, and future challenges. Established in 2014, NPBB has already acquired and distributed brain tissue to support research on how PTSD affects brain structure and function.

Can people remain engaged and vigorous in the face of trauma? Palestinians in the West Bank and Gaza.

Science.gov (United States)

Hobfoll, Stevan E; Johnson, Robert J; Canetti, Daphna; Palmieri, Patrick A; Hall, Brian J; Lavi, Iris; Galea, Sandro

2012-01-01

This is the first study to investigate how actively engaged and vigorous people remain in their life tasks in the midst of chronic exposure to significant traumatic events. We sought to identify risk and protective factors for engagement within the context of ongoing exposure to political violence and social upheaval. We randomly identified and interviewed 1,196 adult residents of the West Bank and Gaza during a period of violent conflict on 3 occasions: (1) September-October 2007, (2) April-May 2008, and (3) October-November 2008. Participants were asked about their exposure to political violence, symptoms of depression, and posttraumatic stress (PTS) symptoms, their level of social support, psychosocial resource loss, and positive engagement in life tasks. Path modeling revealed that trauma exposure indirectly affected engagement through its impact on resource loss and PTS and depression symptoms. PTS symptoms at Wave 2 were modestly related to greater engagement at Wave 3, and depression symptoms did not independently predict engagement at Wave 3. Psychosocial resource loss at Wave 1 and Wave 2 was the best overall predictor of engagement at Wave 3, through its direct and indirect effects via PTS symptoms. Greater engagement was also predicted by greater social support, being more educated, being younger, and being more religious. The relative independence of psychological distress and engagement was noted as a critical finding supporting a key tenet of positive psychology. The relationship of resource loss and social support with engagement suggests that bolstering psychosocial resources may offer a route for primary and secondary prevention amidst chronic traumatic conditions. © 2012 Guilford Publications, Inc.

Islamic banking

OpenAIRE

Pak, Viktoriya

2010-01-01

The thesis is focused on introduction of Islamic banking system. Morover part of the work is devoted to a detailed description of the history of Islamic banking, on explanation of the principles on which the banking system is based. Also are analyzed in detail the basic Islamic banking products. And at the end are presented the advantages and disadvantages of the Islamic banking system.

Geophysical survey of the Eggvin Bank and Logi Ridge - Greenland Sea

Science.gov (United States)

Breivik, A. J.; Mjelde, R.; Rai, A. K.; Frassetto, A.

2012-12-01

The northern Greenland Sea has a number of features associated with excess volcanism. These include the Jan Mayen island, the Jan Mayen Plateau north of, and the Eggvin Bank west of Jan Mayen, and the Vesteris Seamount far to the north. In the summer of 2011, we colleced an Ocean Bottom Seismometer (OBS) profile across the Eggvin Bank, returning four good data sets. We also collected single-channel reflection seismic (SCS) data along the OBS line. The profile crosses the transform part of the West Jan Mayen Fracture Zone (WJMFZ), which connects seafloor spreading between the Kolbeinsey and Mohn ridges. Between the WJMFZ and the Vesteris Seamount there is a narrow ridge 170-180 km long, ending in a few seamounts in the east. It disturbs the magnetic seafloor anomalies, and has no conjugate on the Norwegian margin. It thus appears to be younger than the Eocene seafloor it lies on. Trend and position points to Traill Ø in East Greenland, which had magmatism at ~36 Ma. We name it the Logi Ridge after Norse mythology, where Logi is the master of fire, brother of Aegir, master of the sea. We have collected five SCS profiles across this ridge in order to study the surrounding sedimentation pattern. We also collected gravity and magnetic data along all profiles. Initial results show two flat-topped seamounts on the Eggvin Bank, and a flat-topped Logi Ridge, indicating that these have been at sealevel. The sedimentary strata show recent vertical movement north of the WJMFZ near the Jan Mayen Plateau, and compression around the Logi Ridge. Sailing line of R/V Håkon Mosby of Bergen. Survey lines are in bold, and OBS positions are marked by circles.

Substance use by university students in the West Bank: a cross-sectional study.

Science.gov (United States)

Damiri, Basma R; Sandouka, Hisham N; Janini, Eiad H; Yaish, Omar N

2018-02-21

Substance use has been an increasing problem in the occupied Palestinian territory for decades. The aim of this study was to describe the practice, knowledge, and attitudes associated with substance use by university students in the occupied Palestinian territory. This cross-sectional study was done in 2015. Male and female students from four main public universities in the West Bank were recruited to fill out a self-administered questionnaire. The Institutional Review Board approved the study, and written informed consent was obtained from all participants. 1383 (82%) of 1700 students completed the questionnaire (766 [55%] women and 617 [45%] men). The most frequent substance practices were smoking tobacco (576 [42%] students), drinking alcohol (75 [5%]), and illicit drugs (42 [3%]). 745 (54%) respondents had tried smoking, 122 (9%) had tried drinking alcohol, and 58 (4%) had tried taking illicit drugs. 24 (4%) respondents who had not yet tried a substance intended to smoke tobacco, 19 (2%) intended to drink alcohol, and nine (1%) intended to try illicit drugs use. Escaping from problems was the most frequent motivation for illicit drugs (870 [63%] respondents) and alcohol (501 [37%] respondents). Most of the illicit drugs users (71%) had tried more than one illicit drug, and hashish was the most common type of illicit drug to be used (4%). 36 (57%) respondents had used illicit drugs in the company of a friend. Most participants agreed that smoking tobacco (1209 [87%] respondents), alcohol (1253 [91%]), and illicit drugs use (1286 [93%]) is harmful, and most participants agreed that tobacco (752 [54%]), alcohol (1131 [82%]), and illicit drugs (1252 [91%]) should be banned. 1142 (83%) respondents agreed that tobacco is easily accessible in their communities, whereas 835 (60%) and 628 (45%) respondents agreed that alcohol and illicit drugs were easily accessible, respectively. Only 502 (36%) respondents were aware of the existence of drug weaning centres in their

Application of passive type radon detectors to find fissures in banks caused by the southern Hyogo prefectural earthquake in Japan

International Nuclear Information System (INIS)

Saegusa, J.; Yamasaki, K.; Tsujimoto, T.; Morishima, H.; Shimo, M.; Murakami, A.; Hasegawa, T.

1996-01-01

Innumerable fissures were formed widely in Hanshin area in Japan by the former southern Hyogo prefectural earthquake occurred on Jan.17, 1995. In this study, as a preliminary investigation, we applied passive type radon detector Pico-Rad (U.S. Packard Instrument Co. Ltd.) with hemispheric plastic cover over them around the fissure along on the bank of two reservoirs to examine whether there is possibility to find fissures using the characteristics of 222 Rn migration. One of the reservoir, Taniyamakami-ike, is located at the north of the Awaji-shima island at a distance of about 4 km from the seismic center of this earthquake. On the whole, 222 Rn exhalation rates were high on a line of 2 m below the edge of the bank and got lower in proportion to the distance from this line. Those top of the bank had middle values among the lines. The mean 222 Rn exhalation rate was 4.7 mBq m -2 s -1 , and in these data we found some singularly high 222 Rn points. The other reservoir named Hosho-ike is located at northwestern Nagaokakyo city of Kyoto prefecture and the Komyoji active faulting runs from north to south parallel with the bank about 120 m to the west. In this bank, a fissure about 50 m in length and 0.1 m in width was taken shape. 222 Rn exhalation rates were relatively high on the top of the bank compared with on the slope of the bank. The mean 222 Rn exhalation rate of 5 points which were measured on the fissure was 16 mBq m -2 s -1 , and that which were measured on about 1 m to the east from the fissure was 4.9 mBq m -2 s -1 and in case about 1 m to the west was 4.2 mBq m -2 s -1 . From these results we concluded that there is a possibility to find fissures inside the bank using the characteristics of 222 Rn migration. Our future objective is to find fissures inside banks non-destructively. (author)

76 FR 59396 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2011-09-26

... control of Bank of Odessa, both in Odessa, Missouri, Commercial Bank of Oak Grove, Oak Grove, Missouri... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

Measuring the Competitiveness of Islamic Banking in Indonesian Dual Banking System

Directory of Open Access Journals (Sweden)

Ir Ascarya

2008-08-01

Full Text Available Islamic banks in many countries have emerged as important component of financial system that contributes to the growth and development of the country’s economy. They have proven to be a viable and competitive component of the overall financial system. In the dual banking system, Islamic banks have to be competitive to survive. One of the key to competitiveness is efficiency. This study will measure and compare the efficiency of Islamic and conventional banks in Indonesia using Data Envelopment Analysis (DEA methodology. DEA is a non-parametric, deterministic methodology for determining the relative efficiency and managerial performance, based on the empirical data on chosen inputs and outputs of a number of decision making units. DEA allows us to compare the relative efficiency of banks by determining the efficient banks as benchmarks and by measuring the inefficiencies in input combinations (slack variables in other banks relative to the benchmark. Intermediation approach will be applied. This study will identify the sources and level of inefficiency for each of the inputs and outputs of Islamic banks and conventional banks in Indonesia. The result shows that in overall, Islamic banking is relatively more efficient than conventional banking. This means that Islamic banks are competitive enough to compete with conventional banks. Islamic banking is technically more efficient, but less scale efficient than conventional banking. Internal inefficiency is the main source of disintermediation of conventional banking in Indonesia. Furthermore, accelerated expansion, organically and inorganically, is needed to improve scale and overall efficiencies of Islamic banking in Indonesia.Keywords: Banking, Islamic Banking, Efficiency, Data Envelopment Analysis

ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA

Directory of Open Access Journals (Sweden)

Dwi Umardani

2017-05-01

Full Text Available ABSTRACT This study aims to compare the financial performance of Islamic banks with conventional banks in Indonesia using financial ratios: CAR, NPL / NPF, ROA, ROE, LDR / FDR, REO / BOPO. The data used are the financial statements published by Bank Indonesia (BI, the annual reports released by banking companies listed in Indonesia Stock Exchange (IDX, the annual reports issued by companies of Islamic banking that are not listed in Indonesia Stock Exchange (IDX, and the Indonesian banking supervision reports contained in Bank Indonesia (BI for the years 2005-2012. The analytical method used to compare the financial performance of Islamic banks with conventional banks is statistical test independent t-test. The fact shows that for each financial ratio of Islamic banks and conventional banks in Indonesia: CAR, ROA, ROE, LDR / FDR, and BOPO there are significant differences, while NPL / NPF there is not significant difference. Keywords: Financial performance, Islamic banks, conventional banks

75 FR 31788 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

Science.gov (United States)

2010-06-04

... voting shares of Chino Commercial Bank, N.A., both of Chino, California. Board of Governors of the... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

GenBank

OpenAIRE

Benson, Dennis A.; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Rapp, Barbara A.; Wheeler, David L.

2002-01-01

The GenBank sequence database incorporates publicly available DNA sequences of more than 105 000 different organisms, primarily through direct submission of sequence data from individual laboratories and large-scale sequencing projects. Most submissions are made using the BankIt (web) or Sequin programs and accession numbers are assigned by GenBank staff upon receipt. Data exchange with the EMBL Data Library and the DNA Data Bank of Japan helps ensure comprehensive worldwide coverage. GenBank...

77 FR 3475 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-01-24

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or bank...

12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans and chartered territory-Farm Credit Banks..., provided such loans are authorized by the policies of the bank and/or association involved, do not constitute a significant shift in loan volume away from the bank or association's assigned territory, and are...

The influence of bank employees on bank customer relationship management

Directory of Open Access Journals (Sweden)

C. Rootman

2007-12-01

Full Text Available Purpose: Despite extensive research in services marketing, much is still unknown to specific service providers on the influence of their employees on their services. This paper attempts to address this limitation and investigates the influence of employees on the customer relationship management (CRM of banks. The primary objective of this paper is to investigate the influence of selected independent variables, namely attitude and knowledgeability, on the CRM of banks. Design/Methodology/Approach: An empirical investigation was conducted with a structured questionnaire with items that related to banks' CRM in terms of attitude and knowledgeability. The sample consisted of 290 banking clients in the Nelson Mandela Metropolitan area and the response rate was 91.03%. Findings: Significant positive relationships exist between both the knowledgeability, and attitude of bank employees and a bank's CRM. These relationships imply that more extensive knowledgeability and more positive attitudes of bank employees lead to improved, maintained relationships between a bank and its clients. Employees play an important role in banks’ client relationships. Implications: Banks should focus on increasing their employees' knowledgeability and improving their attitude to ensure higher levels of CRM. This paper provides strategies for banks and could create greater awareness among South African banks of the advantages of CRM, how their employees influence their CRM, and ways to adapt to these influences. Originality/Value: No study has focused exclusively on CRM within banks in South Africa. Prior research focused on customer service and service quality; both possible results of superior CRM. However, this research differs, as it identifies the variables influencing CRM in banks in South Africa. It is proposed that this paper will be beneficial for South African banks, as the recommendations may be used to ensure higher levels of CRM in banks.

BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

Directory of Open Access Journals (Sweden)

Dumitru-Cristian OANEA

2014-04-01

Full Text Available Commercial banks and co-operative banks are credit institutions, but there are some differences between the main operations proceeded by each of them. Based on these specific characteristics, we want to identify the manner in which financial crisis affected their activity. As we all know, the financial crisis had a major impact in the United States, the “natal” country of the crisis, because great banks such as Lehman Brothers or Merrill Lynch have bankrupted. Even if the Romanian banking system was not affected by such catastrophic situations, surely the financial crisis had a significant impact on it. This topic is worth to be analysed, because we would be able to identify the risk differences between these two types of business: commercial banks versus co-operative banks.

Financial Inclusion in India: A case-study of West Bengal

OpenAIRE

Chattopadhyay, Sadhan Kumar

2011-01-01

The study observes that although there has been an improvement in outreach activity in the banking sector, the achievement in respect of financial inclusion is not significant in West Bengal. An index of financial inclusion (IFI) has been developed in the study using data on three dimensions of financial inclusion. It is revealed from the index that Kolkata district leads with the highest value of IFI, while rest of the districts show a very low level of financial inclusion. This implies that...

ANALISIS SEGMEN PASAR DAN PERILAKU NASABAH TERHADAP BANK SYARIAH DI WILAYAH DKI JAKARTA

Directory of Open Access Journals (Sweden)

RR. Kathrin Irviana

2011-08-01

Full Text Available Normal 0 false false false MicrosoftInternetExplorer4 The purpose of this research is for identifying market segment and customer behavior toward Islamic Banking and its marketing implications in all regions of DKI Jakarta. The research was conducted on August – October 2008 in East, West, North, South and Central of Jakarta. The survey was conducted by doing face to face interview and questionaires distribution to 120 proportional responden. The analytical tools applied are analysis of cluster, factor & descriptive and using SPSS version 11.5 as the statistic’s tool. The result of this research for segmentation aspect showed the characteristics and size of each market segment of Islamic banks. The market segment consists of syariah loyalist, floating mass and conventional loyalist. From this research, floating mass segment has been showed that this segment is the most potential segment among others in DKI Jakarta regions due to it has the largest target market compared to syariah loyalist and conventional loyalist segments. However responden with Islam as their religion are still priority target market for Islamic banks since floating mass responden have been collected from Islamic’s responden dominantly with employees and entrepreneurs as the occupations.  Further, market segment will be analyzed in relation with customers’ category, region of geography, religion and occupation. In customer behavior side, customers preferences and information resources toward Islamic banks will be the important factors which could influence customers behavior when choosing Islamic banks. The four factors influence customers in choosing Islamic banks are  building physical’s appearance, ATM network, variety of products and profit rate. Both results of market segmentation and consumer behavior toward Islamic Banking are important factors for Islamic Banking in formulating marketing strategy.

Viscous damping of solitary waves in the mud banks of Kerala, West coast of India

Digital Repository Service at National Institute of Oceanography (India)

Shenoi, S.S.C.; Murty, C.S.

Analysis of wave damping in mud bank region following the process of transfer of wave energy to the interior of fluid column through the boundary layer and the energy loss computations owing to viscous shear beneath the solitary wave over a smooth...

About Banking.

Science.gov (United States)

Pieslak, Raymond F.

The student manual for high school level special needs students was prepared to provide deaf students with the basic fundamentals of banking. Five units are presented covering the topics of banks and banking services, checking accounts, other services of banks, savings accounts, and other investments. Each lesson was carefully written for easy…

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Georg

2015-01-01

The project of creating a Banking Union is designed to overcome the fatal link between sovereigns and their banks in the Eurozone. As part of this project, political agreement for a common supervision framework and a common resolution scheme has been reached with difficulty. However, the resolution...... mechanism deployable at the discretion of the resolution authority must be available to supply liquidity to a reorganizing bank. On these conditions, a viable and realistic Banking Union would be within reach--and the resolution of global financial institutions would be greatly facilitated, not least...... framework is weak, underfunded and exhibits some serious flaws. Further, Member States' disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure...

12 CFR 229.2 - Definitions.

Science.gov (United States)

2010-01-01

... Banking FEDERAL RESERVE SYSTEM (CONTINUED) BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM AVAILABILITY...) Unit of general local government means any city, county, parish, town, township, village, or other... government, such as school districts or water districts. (ll) Wire transfer means an unconditional order to a...

Bank Insolvency Procedures and Market Discipline in European Banking

DEFF Research Database (Denmark)

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

for pre-determined bank insolvency procedures that could enable banks to expand cross-border in branches. In the empirical part we show that credibility of non-insurance is maximized with a partial deposit insurance scheme, and that the coverage can be decreased if effective rule-based distress resolution......Predetermined, operational procedures for dealing with banks in distress are conspicuously absent across the world with very few exceptions. Instead governments and regulatory authorities intervene when banks approach failure. Bail-outs of important creditors, sometimes including shareholders......, and blanket guarantees for creditors become the norm. We argue that efficient incentives of banks' creditors, as well as of shareholders and managers, require predetermined rules for dealing with banks in distress, and a group of creditors that are credibly non-insured. Cross-border banking increases the need...

Report on Excavations at Sedgeford, Norfolk 1996

Directory of Open Access Journals (Sweden)

Nick Cook

1997-11-01

Full Text Available Excavations were undertaken as part of the ongoing work of the Sedgeford Hall Archaeological Research Project, which was set up in 1995 with the aim of investigating the archaeological history of the parish of Sedgeford, west Norfolk.

RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

Directory of Open Access Journals (Sweden)

Aji Damanuri

2016-02-01

Aji Damanuri   Abstract: Shari>’ah banking, for the last ten years, has increased in prosperity not only at the quantity of conventional banks but also at the count of assets and customers. This economical opportunity drives amount of conventional banks both to convert their institutions to be shari>’ah banks and to open officially shari>’ah platform units with their own assets. This system takes a significant question, is the conversion effected by both banker ideological factor and capitalists or pure economical rational calculation? Is a religious consideration linked to economical rationality? This paper is to elaborate the conversion using not only ‘choice theory’ (teori pilihan but also ‘rational action’ (tindakan rasional to seek religious action possibility in a reasonable way of shari>’ah banking.   Keywords: shari>’ah bank, conversion, rational action, religiosity.

Islamic banks and profitability: an empirical analysis of Indonesian banking

OpenAIRE

Jordan, Sarah

2013-01-01

This paper provides an empirical analysis of the factors that determine the profitability of Indonesian banks between the years 2006-2012. In particular, it investigates whether there are any significant differences in terms of profitability between Islamic banks and commercial banks. The results, obtained by applying the system-GMM estimator to the panel of 54 banks, indicate that the high bank profitability during these years were determined mainly by the size of the banks, the market share...

Phase I Cultural Resources Survey and Archeological Inventory of a Proposed 1.12 ha (2.87 ac) Borrow Pit and an Associated Access Road, Ascension Parish, Louisiana

Science.gov (United States)

2004-10-01

few cally grown sugar cane into molasses (Fossier sugar plantations are formed in the parish of 1957:47). Solis, and later Mendez , who pur...Recreation and Tourism, Office of Cultural Development, Division of Ar- chaeology, Baton Rouge, Louisiana. Speaker, John Stuart, Joanna Chase, Carol

3D Survey and instability’s analysis of Romena parish

Directory of Open Access Journals (Sweden)

Stefano Bertocci

2015-01-01

Full Text Available The Romanesque parish church San Pietro a Romena is located in the municipal district of Pratovecchio, in the Casentino valley. It was built, due to a inscription chiselled on a capital, in 1152 d.C. probably wanted byMatilde di Canossa, who has promoted the construction of a lot of churches in this area. We don’t have many informations about the first church, probably destroyed by an earthquake, event that frequently has hit the valley. We based our research on what the DM 01/2008 requests, so our analysis was made following some steps of knowledge: firstly an accurated research in the archive of the Fiesole diocese, to suppose how the buildinghas evolved during the ages, then a 3D laser scanner survey. Thanks to the accurate point cluod we could draw our sections of the church, integrating the material analysis, the orthophotos and the degradation analysis. In parallel has been developed the stratigraphic analysisof the building, which is useful to understand how it has been costructed and how it has grown, so that a coherent restoration project can be efficiently designed.

78 FR 37541 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-06-21

..., North Dakota, as trustees/administrators, to retain voting shares of the Commercial Bank of Mott Employee Stock Ownership Plan, and thereby indirectly retain voting shares of Commercial Bank of Mott, both... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank...

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Wolf-Georg

The project of creating a Banking Union is designed to overcome the fatal link between sovereigns and their banks in the Eurozone. As part of this project, political agreement for a common supervision framework and a common resolution scheme has been reached with difficulty. However, the resolution...... at the discretion of the resolution authority must be available to supply liquidity to a reorganizing bank. On these conditions, a viable and realistic Banking Union would be within reach — and the resolution of global financial institutions would be greatly facilitated, not least in a transatlantic perspective....... framework is weak, underfunded and exhibits some serious flaws. Further, Member States’ disagreements appear to rule out a federalized deposit insurance scheme, commonly regarded as the necessary third pillar of a successful Banking Union. This paper argues for an organizational and capital structure...

Does taxation on banks mean taxation on bank-dependent borrowers?

OpenAIRE

Masami Imai; Peter Hull

2012-01-01

We investigate the economic impacts of bank levies on bank-dependent borrowers, exploiting the surprise announcement of a bank tax by the Tokyo metropolitan government on February 7th, 2000. We find that the tax announcement had negative effects on the abnormal return of firms which depended on soon-to-be taxed banks for external funds. Moreover, the adverse economic effects of the bank tax were larger for smaller and more financially distressed firms, suggesting that bank levies are likely t...

The main directions of banking products promotion in the banking marketing system in Russian commercial banks

Directory of Open Access Journals (Sweden)

Markova O.M.

2017-04-01

Full Text Available the article is devoted to the research of directions of client-oriented approach application during bank products promotion in Russian banks. Attention is paid to the development of electronic banking, social networks through which consumers receive the necessary information about beneficial offers and special conditions for providing banking services.

County and Parish Boundaries, This was created and maintained by Johnson County Records and Tax Administration and is updated when changes occur to county boundaries, Published in 2007, Johnson County Government.

Data.gov (United States)

NSGIC Local Govt | GIS Inventory — County and Parish Boundaries dataset current as of 2007. This was created and maintained by Johnson County Records and Tax Administration and is updated when changes...

78 FR 300 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-01-03

... Bancshares, Inc., and thereby acquire control of First Commercial Bank, both of Edmond, Oklahoma. Board of... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

77 FR 60996 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-10-05

... shares of Anchor Commercial Bank, Juno Beach, Florida. Board of Governors of the Federal Reserve System... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C...

Catalyzing Gender Equality-Focused Clean Energy Development in West Africa

Energy Technology Data Exchange (ETDEWEB)

2016-06-01

The Economic Community of West African States (ECOWAS) Regional Center for Renewable Energy and Energy Efficiency (ECREEE) partnered with the Clean Energy Solutions Center (Solutions Center), the African Development Bank and other institutions to develop a Situation Analysis of Energy and Gender Issues in ECOWAS Member States. Through a systematic approach to assess interlinked gender and energy issues in the region, the report puts forth a number of key findings. This brochure highlights ECREEE's partnership with the Solutions Center and key findings from the report.

77 FR 50689 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-08-22

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 43883 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-07-22

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 38978 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-06-28

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 54917 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-09-06

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 35271 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-06-12

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 49268 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-08-13

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 68121 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-11-15

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 13877 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-03-01

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 58141 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-09-19

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 61352 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-10-03

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 4323 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-01-27

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 66463 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-11-05

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 41929 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-07-12

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 37406 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-06-21

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 51726 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-08-21

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 31612 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-05-29

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 9250 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-02-16

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 62301 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-10-15

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 25084 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-04-29

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 76834 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-12-19

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 60702 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-10-04

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 16839 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-03-22

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 53457 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-08-29

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 45535 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-07-29

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 73031 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-12-07

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 2293 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-01-17

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 64801 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-10-23

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 34385 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-06-11

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 58379 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-09-20

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 33459 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-06-06

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 43824 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-07-26

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 39729 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-07-02

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 24747 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-04-26

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 72864 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-12-06

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 97 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-01-02

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 27389 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-05-10

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 63314 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-10-16

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 19665 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-04-02

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 76305 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-12-17

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 49753 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-08-15

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 3425 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-01-16

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

77 FR 27458 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-05-10

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank [[Page...

77 FR 39244 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-07-02

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

78 FR 3897 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-01-17

... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and Sec. 225.41 of the Board's Regulation Y (12 CFR 225.41) to acquire shares of a bank or...

Verifying mapping, monitoring and modeling of fine sediment pollution sources in West Maui, Hawai'i, USA

Science.gov (United States)

Cerovski-Darriau, C.; Stock, J. D.

2017-12-01

Coral reef ecosystems, and the fishing and tourism industries they support, depend on clean waters. Fine sediment pollution from nearshore watersheds threatens these enterprises in West Maui, Hawai'i. To effectively mitigate sediment pollution, we first have to know where the sediment is coming from, and how fast it erodes. In West Maui, we know that nearshore sediment plumes originate from erosion of fine sand- to silt-sized air fall deposits where they are exposed by grazing, agriculture, or other disturbances. We identified and located these sediment sources by mapping watershed geomorphological processes using field traverses, historic air photos, and modern orthophotos. We estimated bank lowering rates using erosion pins, and other surface erosion rates were extrapolated from data collected elsewhere on the Hawaiian Islands. These measurements and mapping led to a reconnaissance sediment budget which showed that annual loads are dominated by bank erosion of legacy terraces. Field observations during small storms confirm that nearshore sediment plumes are sourced from bank erosion of in-stream, legacy agricultural deposits. To further verify this sediment budget, we used geochemical fingerprinting to uniquely identify each potential source (e.g. stream banks, agricultural fields, roads, other human modified soils, and hillslopes) from the Wahikuli watershed (10 km2) and analyzed the fine fraction using ICP-MS for elemental geochemistry. We propose to apply this the fingerprinting results to nearshore suspended sediment samples taken during storms to identify the proportion of sediment coming from each source. By combining traditional geomorphic mapping, monitoring and geochemistry, we hope to provide a powerful tool to verify the primary source of sediment reaching the nearshore.

Cross-Border Banking

OpenAIRE

Jonathan Eaton

1994-01-01

The banking systems of some countries export intermediation services to the rest of the world, while many other countries are net exporters of deposits to banks abroad and net importers of loans from banks abroad. Banking center countries typically have lower inflation, deeper financial systems, earn less government revenue from seigniorage, and have lower reserve money relative to bank assets than nonbanking-center countries. This paper develops a stylized model of regulated bank intermediat...

BAGI HASIL DAN BANK SYARI’AH (Solusi terhadap Bunga Bank

Directory of Open Access Journals (Sweden)

Rudy Haryanto Rudy Haryanto

2012-07-01

Full Text Available Abstract: To save money in terms of investation is one of bank’s functions. Interest and production sharing are kinds of investation in banking system. Interest is a marketable entry in conventional banking, however production sharing is known in syari’ah banking system. Some people argue that interest cannot be seperated from the banking activity, in fact Islam recommends the followers to avoid it; hence it could be substituted with term of production sharing. It matches the priciple of musyarakah and mudharabah as being taught by Rasûlullâh SAW. Bank interest is considered ribâ (excessive interest and it is forbidden in Islam. Moreover, production sharing is more useful and beneficial for people. Unfortunately, the value of production sharing (syarî’ah banking product is lower than the value of banking interest (conventional banking product due to the fact that the ralationship established by syari’ah banking and its customer is based on the principle of gotong royong (mutual coorporation and production sharing partnership. Key Words: ribâ, musyarakah, mudharabah, dan bagi-hasil  

Outsourcing central banking

DEFF Research Database (Denmark)

Khoury, Sarkis Joseph; Wihlborg, Clas

2005-01-01

The literature on Currency Boards (CB) stops at the water edge in terms of dealing with the totality of the functions of a central bank. Monetary policy, and banking supervisioncan be "outsourced" in an open economy with substantial foreign direct investment (FDI)in the banking sector if political...... nationalism does not trump economic rationality. An orthodox CB renders the central banking function redundant in terms of interest rate and exchange rate determination. FDI in banking could perform the same role for the supervisory function of central banks. We use the case of Estonia to illustrate...... the feasibility of, and constraints on, outsourcing of central bank functions. A brief discussion of the Argentinian experience is used for contrast.Key words: Currency Board, Foreign Banks, Supervision, Regional Integration,outsourcing....

The security concern on internet banking adoption among Malaysian banking customers.

Science.gov (United States)

Sudha, Raju; Thiagarajan, A S; Seetharaman, A

2007-01-01

The existing literatures highlights that the security is the primary factor which determines the adoption of Internet banking technology. The secondary information on Internet banking development in Malaysia shows a very slow growth rate. Hence, this study aims to study the banking customers perception towards security concern and Internet banking adoption through the information collected from 150 sample respondents. The data analysis reveals that the customers have much concern about security and privacy issue in adoption of Internet banking, whether the customers are adopted Internet banking or not. Hence, it infers that to popularize Internet banking system there is a need for improvement in security and privacy issue among the banking customers.

The effects of shadow banking on the traditional banking system in Zimbabwe

Directory of Open Access Journals (Sweden)

Virimai Mugobo

2015-11-01

Full Text Available The growth of shadow banks changed the face of banking in Zimbabwe. Their inconsistent product nature and complexity of form has been a cause for concern to regulatory authorities. The interrelationship between their financial intermediary role and that of formal banks has made them good substitutes to formal banking. This study conducts a statistical analysis of the country’s monetary aggregates and the total formal bank loan-to-deposits balances. The findings of this analysis show that the shadow banking system has always been a critical element of the formal banking sector which resulted from market needs and it completes the banking system. The shadow banking system does not pose direct threat to the formal banking system but it was a result of failure to attract savers who found shadow banks as a good alternative.

Contribution of Internet Banking toward Profitability of Banking in India

Directory of Open Access Journals (Sweden)

Majid Karimzadeh

2015-12-01

Full Text Available The adoption of the Internet in the banking industry on the one hand is closely related to a change in the structure of the organization and nature of operations in banking industry itself, and on the other hand, to the emergence of computer as a significant organizational tool. Banks have always been starving to introduce new technologies to reduce operational costs and expand their businesses. This study is an attempt to investigate the contribution of Internet banking on the performance of the banking system in India. Return on Assets (ROA and Return on Equity (ROE ratios are used to test this effect. The regression analysis showed that there is a significant effect of Internet banking services on the profitability of banks in terms of ROA and ROE in India.

Bank Insolvency Procedures and Market Discipline in European Banking

OpenAIRE

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

Market discipline in banking requires that explicit and implicit insurance schemes for financial sector firms are limited, and that the lack of insurance of important stakeholders is credible. This credibility cannot be achieved without transparent, predictable procedures for distress resolution for banks, including explicit rules for the liquidation of insolvent banks. We find that very few European countries have explicit procedures for dealing with problem banks. The propositions tested in...

Islamic Banking and Green Banking for Sustainable Development: Evidence from Bangladesh

Directory of Open Access Journals (Sweden)

Mohammad Nazim Uddin

2018-01-01

Full Text Available Green banking is an integral part of Islamic banking that makes a basis of environmental protection. This study attempts to examine the relationship between Islamic banking and green banking that contribute to sustainable development. The study has used the primary data through a structural questionnaire that includes various dimensions on green banking of Islamic banking in Bangladesh. The investigation revealed that Islamic banks had made a significant contribution to green banking that improves the environment as means of cost and energy savings, preservation of natural resources and the need to respect all living things. The study seems to carry an enormous academic value since a few studies have undertaken in this areaDOI: 10.15408/aiq.v10i1.4563

ASSESING THE DETERMINANTS OF BANK LIQUIDITY. CASE STUDY ROMANIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

Florin Alexandru LUCA

2016-06-01

Full Text Available The financial crisis has highlighted the importance of liquidity risk for the banking system. Therefore, this study focuses on identifing the determinants of liquidity of Romanian banks. The data cover the period from 2006 to 2013 and take into account only bank-specific factors. The empirical study was applied on 16 Romanian banks and based on previous studies and uses different liquidity ratios, encompassing different points of view on liquidity. Regarding the explanatory variables considered in this analysis, they include various items of internal character concerning: capital adequacy, asset quality, profitability, efficiency of financial intermediation and the size of the banks. The results of our regression analysis indicate that bank liquidity is positively related to capital adequacy of banks and bank profitability and negatively related to the rate of non-performing loans, net interest margin and the size of the bank.

ANALISIS KOMPARASI KINERJA KEUANGAN; BANK DEVISA DAN BANK NON DEVISA

Directory of Open Access Journals (Sweden)

Nani Hartati

2017-11-01

Full Text Available This research is intended to assess and analyze the financial health of Foreign Exchange Bank and Non-Foreign Exchange Bank. Assessment is done by looking at the financial ratios from 2011 to 2015, the results of each financial ratios performed comparison and analysis. The financial statements were obtained from the Indonesian Stock Exchange website. The conclusions of the analysis were compared with the indicators of Bank Indonesia's financial performance assessment released by Indonesia Bank. There is a significant difference between foreign exchange bank and non-foreign exchange bank. The ratio of financial ratios in the analysis includes NPL, CAR, ROA, LDR, and BOPO.

Traditional knowledge of wild edible plants used in Palestine (Northern West Bank: A comparative study

Directory of Open Access Journals (Sweden)

Khlaif Rasha B

2008-05-01

Full Text Available Abstract Background A comparative food ethnobotanical study was carried out in fifteen local communities distributed in five districts in the Palestinian Authority, PA (northern West Bank, six of which were located in Nablus, two in Jenin, two in Salfit, three in Qalqilia, and two in Tulkarm. These are among the areas in the PA whose rural inhabitants primarily subsisted on agriculture and therefore still preserve the traditional knowledge on wild edible plants. Methods Data on the use of wild edible plants were collected for one-year period, through informed consent semi-structured interviews with 190 local informants. A semi-quantitative approach was used to document use diversity, and relative importance of each species. Results and discussion The study recorded 100 wild edible plant species, seventy six of which were mentioned by three informants and above and were distributed across 70 genera and 26 families. The most significant species include Majorana syriaca, Foeniculum vulgare, Malvasylvestris, Salvia fruticosa, Cyclamen persicum, Micromeria fruticosa, Arum palaestinum, Trigonella foenum-graecum, Gundelia tournefortii, and Matricaria aurea. All the ten species with the highest mean cultural importance values (mCI, were cited in all five areas. Moreover, most were important in every region. A common cultural background may explain these similarities. One taxon (Majoranasyriaca in particular was found to be among the most quoted species in almost all areas surveyed. CI values, as a measure of traditional botanical knowledge, for edible species in relatively remote and isolated areas (Qalqilia, and Salfit were generally higher than for the same species in other areas. This can be attributed to the fact that local knowledge of wild edible plants and plant gathering are more spread in remote or isolated areas. Conclusion Gathering, processing and consuming wild edible plants are still practiced in all the studied Palestinian areas. About 26

GenBank

OpenAIRE

Benson, Dennis A.; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Wheeler, David L.

2006-01-01

GenBank (R) is a comprehensive database that contains publicly available nucleotide sequences for more than 240 000 named organisms, obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects. Most submissions are made using the web-based BankIt or standalone Sequin programs and accession numbers are assigned by GenBank staff upon receipt. Daily data exchange with the EMBL Data Library in Europe and the DNA Data Bank of Japan...

Strategic positioning in banking industry: Evidence from banking industry

Directory of Open Access Journals (Sweden)

Hedieh Mashoof

2014-08-01

Full Text Available Strategic positioning has always been a key tool for managers to analyze the position of the firm in different attributes in comparison with competitors. With regard to fierce competition in banking industry, the aim of this study is to analyze the position of Bank Melli Iran with 5 public and private rivals in 6 attributes. The sample of this study was 387 Bank Melli Iran customers. The results of this study were in 14 perceptual maps in which the positions of Bank Melli Iran attributes have been shown compared with bank’s key competitors. The results showed that Bank Melli Iran had strong position and came to the first place in attributes like price, physical equipment and location and security. Moreover, Bank Melli Iran has to improve its position in attributes with no better position.

CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

Directory of Open Access Journals (Sweden)

Chian-Son Yu

2014-06-01

Full Text Available Through investigating factors that influence consumers to make a transition from online to mobile banking, this empirical study shows that relative attitude and relative subjective norm positively motivated respondents to switch from Internet to mobile banking while relative perceived behavior control deterred respondents from transitioning. Empirical results also demonstrated that Internet banking is superior to mobile banking in terms of consumer relative compatibility, self-efficacy, resource facilitating conditions, and technology facilitating conditions. Meanwhile, mobile banking emerged as superior to Internet banking for other constructs. By adding a comparative concept into an extended decomposed theory of planned behavior (DTPB model, this study may expand the applicable domain of current social psychology theories from the adoption of single products or services to the choice between competing products or services that achieve similar purposes and functions.

Fylla Bank: structure and evolution of a normal-to-shear rifted margin in the northern Labrador Sea

DEFF Research Database (Denmark)

Døssing, Arne

2011-01-01

‐strike discontinuities in oceanic crust in the Labrador Sea to define margin segmentation in southern West Greenland, including the borders of Fylla Bank. A structural‐kinematic model presented here thus suggests that the Cretaceous–Cenozoic poly‐phase rifting to some extent was controlled by pre‐existing crustal fabric......, the Bank may be compared with the Demerara Plateau, part of the French Guinea‐Northeast Brazil continental margin. Seismic reflection interpretations presented in this study show that Fylla Bank is situated above an extensive basin complex, herein referred to as Fylla Structural Complex, which contains...... an up to 5‐km‐thick Cretaceous–Cenozoic sedimentary succession above an inferred pre‐Cretaceous basement. Seismic mapping of basement structures show that the complex is dominated by NNW‐/NW‐striking rift basins in its southern part and NNE‐striking rift basins in its northern part. The rift basins...

12 CFR 209.2 - Banks desiring to become member banks.

Science.gov (United States)

2010-01-01

... Deposit Insurance Act (12 U.S.C. 1821(n)) should not apply until in the process of issuing stock pursuant... ISSUE AND CANCELLATION OF FEDERAL RESERVE BANK CAPITAL STOCK (REGULATION I) § 209.2 Banks desiring to become member banks. (a) Application for stock or deposit. Each national bank in process of organization...

USERS' PREFERENCE TOWARDS TRADITIONAL BANKING VERSUS E-BANKING – AN ANALYSIS

OpenAIRE

Dr. S. Anthony Rahul Golden

2016-01-01

Banking transactions that takes place in a virtual ambience on the website of a banking company or a financial institution is termed as ‘Internet Banking’. The essence of Internet banking lies in on-line access by customers of banking and financial services. This is the right time to discuss about the customer prefer whether traditional banking or online banking. What are reasons are beyond that for their preference has been analysed here. Finally, it is concluded that as people are very clos...

THE EPISTEMOLOGICAL PERSPECTIVE OF FRACTIONAL RESERVE BANKING AND FULL RESERVE BANKING: WHERE ISLAMIC BANKING SHOULD STAND?

Directory of Open Access Journals (Sweden)

Yaser Taufik Syamlan

2017-06-01

Full Text Available Objectives – this research is aimed to compare those epistemological bases to the mindset of Islamic Bank and try to drive the philosophy in practical operation whether based on the Fractional Reserve Banking Sytem (RBS or 100% RBS and analyze the challenges in deploying the 100%RBS. Methods - This research will be conducted based on an extensive literature review.Results - Based on the epistemological analysis of money and the business cycle as well as the views of Islamic scholars, 100%RBS should be the best for Islamic Bank. There are four types of 100% RBS namely Pure Commodity Money, Sovereign Money, Narrow Banking, and Limited Purpose Banking. To deploy it into the economic system, another philosophical work should be done to choose one of the types and strengthen it so that the theory of 100%RBS can be implemented for the goodness of Islamic Bank.  Conclusion - In Conclusions, Based on the epistemology defined by Islamic Scholars, FractRBS has more mafsadah if we compare to the maslahah. Therefore, 100% RBS should be better for the Islamic Bank.

An optimum condition for attainment of a single currency project in West Africa

Directory of Open Access Journals (Sweden)

Moses Abanyam Chiawa

2014-01-01

Full Text Available The paper examines the primary and secondary convergence conditions for a monetary union in the second monetary zone for West Africa. The focus of the paper is on the primary conditions as they provide the basis for the secondary conditions. The annual panel data used for the research are obtained from the West African Monetary Agency website: www.wami.imao.org. The panel variables are first tested for unit root and stationarity. The panel unit root test results show that all the variables are integrated of order one. The stationarity test confirms the result, as the variables are non-stationarity in level but stationarity after first difference. The Long-run co integration equation is obtained using the pooled group mean estimator. Linear programming is then applied on the result of the long-run equationto obtain the optimal conditions for attainment of single currency project for West Africa. The result shows that the objective value of 0.0462 is obtained with inflation contributing more to the variation in the government external reserves. The Central Banks in West Africa should be cautious in implementing inflation targeting as a way of tackling their economic problem.

Bank regulation and financial fragility in developing countries: Does bank structure matter?

Directory of Open Access Journals (Sweden)

Jeroen Klomp

2015-12-01

Full Text Available Using data for 1238 banks located in 94 developing and emerging countries, we explore whether the impact of bank regulation and supervision on banking risk (measured by the banks’ Z-scores depends on bank structure. Our findings suggest that stricter regulation and supervision increases the banks’ Z-scores. Notably capital requirements and supervisory control diminish banking risk. However, the effectiveness of other dimensions of regulation and supervision depends on the organizational structure of banks. Notably activity restrictions reduce risk of large and foreign owned banks, while liquidity restrictions have most effect on the Z-scores of unlisted and commercial banks.

Environmental Assessment for decommissioning the Strategic Petroleum Reserve Weeks Island Facility, Iberia Parish, Louisiana

Energy Technology Data Exchange (ETDEWEB)

NONE

1995-12-01

The Strategic Petroleum Reserve (SPR) Weeks Island site is one of five underground salt dome crude oils storage facilities operated by the Department of Energy (DOE). It is located in Iberia Parish, Louisiana. The purpose of the proposed action is to decommission the Weeks Island crude oil storage after the oil inventory has been transferred to other SPR facilities. Water intrusion into the salt dome storage chambers and the development of two sinkholes located near the aboveground facilities has created uncertain geophysical conditions. This Environmental Assessment describes the proposed decommissioning operation, its alternatives, and potential environmental impacts. Based on this analyses, DOE has determined that the proposed action is not a major Federal action significantly affecting the quality of the human environment within the meaning of the National Environmental Policy Act (NEPA) and has issued the Finding of No Significant Impact (FONSI).

Environmental Assessment for decommissioning the Strategic Petroleum Reserve Weeks Island Facility, Iberia Parish, Louisiana

International Nuclear Information System (INIS)

1995-12-01

The Strategic Petroleum Reserve (SPR) Weeks Island site is one of five underground salt dome crude oils storage facilities operated by the Department of Energy (DOE). It is located in Iberia Parish, Louisiana. The purpose of the proposed action is to decommission the Weeks Island crude oil storage after the oil inventory has been transferred to other SPR facilities. Water intrusion into the salt dome storage chambers and the development of two sinkholes located near the aboveground facilities has created uncertain geophysical conditions. This Environmental Assessment describes the proposed decommissioning operation, its alternatives, and potential environmental impacts. Based on this analyses, DOE has determined that the proposed action is not a major Federal action significantly affecting the quality of the human environment within the meaning of the National Environmental Policy Act (NEPA) and has issued the Finding of No Significant Impact (FONSI)

Analisis Kinerja Keuangan Bank Sebelum Dan Sesudah Diakuisisi Oleh Investor Asing: Studi Empiris Pada Bank Central Asia Dan Bank Niaga

Directory of Open Access Journals (Sweden)

Yen Sun

2011-11-01

Full Text Available Banking industry is one of the most influence factors in the economy growth of one country. However, during 1997-1998 Indonesia banking industry went through hard times because of economic crisis. After that years, many banks were liquidated and restructured. The interesting part is through the restructuring process, several bank acquired by foreign investor and became the foreign-domestic bank. In 2010, some of those banks were in the 10 biggest banks in Indonesia based on asset. Hence, the writer interesting to compare the bank’s financial performance before and after being acquired using two banks as samples of empirical study. Data is based on financial statements published by the companies and Central Bank of Indonesia in 1995-1996, and 2003-2004. Two sample of banks have been selected based on several criteria, they are BCA and Bank Niaga. To analyse their financial performance, several analysis tools will be using, specifically CAMELS (CAR, NPL, NIM, BOPO, LDR minus mangement and sensitivity. The result of the study observed that after being acquired, financial performance of BCA and Niaga Bank is getting better in CAR, NIM, BOPO, but NPL and LDR is less favorable for BCA and so NPL is less favorable for Niaga Bank. Moreover, in terms of profitability analysis, both banks shows better performance. While, the result of credit analysis indicates that the credit risk for both banks is in the stable range at CCC.

E-BANKING: A CASE STUDY OF ASKARI COMMERCIAL BANK PAKISTAN

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Muhammad Shakil AHMAD

2011-01-01

Full Text Available This paper has covered the operational issues related to e-banking as well as customer’s perception on usage of e-banking a case study of Askari Bank, Pakistan. 40 staff members and four customers are selected as sample for this study. Both qualitative and quantitative methods are used to present the results. Descriptive statistics is applied to describe the demographic variables while for operational problems correlation was used. Finally cross case analysis present customers’ perception about e-banking practices. Analysis shows that customer is not ready to adopt new technology that why their satisfaction level with e-banking is low. Internet speed and government policies are not supportive for e-banking in Pakistan. Due to lack of trust on technology and low computer literacy rate, customer hesitates to adopt new technology. : In order to promote IT culture in Pakistan, government has to reduce the internet rate. to promote the benefits of e-banking on media so that more user get facilitated from e-banking services.

A study on relationship between electronic banking and liquidity management on Iranian banks

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Hassan Ghodrati

2014-06-01

Full Text Available E-banking has been extensively developed in recent decades and most banks need to have such services in their daily activities. Therefore, it is necessary that banks do a better management on banks’ liquidity risks. Electronic banking and the expansion of its scale from POSs and ATMs to telephone banking, mobile banking and internet banking have increased banking transactions, significantly. The purpose of this investigation is to evaluate the relationship between the development of e-banking and liquidity management using liquidity ratios. The focus of this investigation has been on the amounts of transaction of ATM machines, POSs and PIN PADs as the most important means of electronic banking. In this respect, the data obtained from 14 private and public bank representatives of banking system over the period 2007-2012 are considered. Our survey indicates that the characteristics of electronic banking significantly influence on liquidity.

Essays on banking

NARCIS (Netherlands)

Tumer-Alkan, G.

2008-01-01

The banking literature documents various roles for banks in financial systems. Banks are both ‘liquidity providers’ and ‘information producers’. Banks are especially important for small and medium-size enterprises and represent these firms' principal source of external finance. Hence, the banks’

DISTANCE BANKING SERVICES - A SOLUTION FOR THE ROMANIAN MANAGEMENT BANKING SYSTEM

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ELENA SILVIA DINCULESCU

2010-01-01

Full Text Available Involved in the competition to attract and turn the clientele faithful, banks develop a series of activities that could increase their popularity, trust, and acknowledgement. Thus, creating a distance banking service is an opportunity that must be put into value. The present tendency at international level is the significant decrease of the importance of distribution channels through the classic banking network. In this context, active banks in Romania cannot be dissociated from the existing tendencies, and the spectacular dynamics of distance banking services in the last years has shown that, in a future closer than expected, clients might abandon the services of a bank with bad quality e-banking.

The Impact of Internet Banking on Bank Performance and Risk: The Indian Experience

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Pooja MALHOTRA

2009-11-01

Full Text Available The paper describes the current state of Internet banking in India and discusses its implications for the Indian banking industry. Particularly, it seeks to examine the impact of Internet banking on banks’ performance and risk. Using information drawn from the survey of 85 scheduled commercial bank’s websites, during the period of June 2007, the results show that nearly 57 percent of the Indian commercial banks are providing transactional Internet banking services. The univariate analysis indicates that Internet banks are larger banks and have better operating efficiency ratios and profitability as compared to non-Internet banks. Internet banks rely more heavily on core deposits for funding than non-Internet banks do. However, the multiple regression results reveal that the profitability and offering of Internet banking does not have any significant association, on the other hand, Internet banking has a significant and negative association with risk profile of the bank

Tanggung Jawab Bank terhadap Nasabah yang Mengalami Kerugian dalam Penggunaan Elektronik Banking

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Selly Maulina

2016-12-01

ABSTRACT. The strong development economy requires a bank as a financial institution that is safe for undertaking various financial activities.The positive impact of developments on financial services is the use of e-bankingis also known as internet banking is the bank services that enable customers to obtain information, communicate and conduct banking transactions through the internet, quickly, can be done anywhere and anytime. Internet banking transactions can also pose some risk, Article 1, paragraph (2 of Bank Indonesia Regulation No. 5/8/PBI/2003 on the Application of Risk Management for Commercial Bank said that the risk is the potential for the occurrence of an event  that can cause harm. Risks experienced by customers of PT. BNIS and PT. BCA. According to the Bank Indonesia Regulation Number 10/10/PBI/2008 on the Settlement of customer complaints,customers who suffered the financial  losses can lodge a complaint by means of submitting a complaint to the bank. The protection from a legal perspective rule has no detail rules yet about internet banking so bank makes initiave on internet banking terms and condition.The agreement prioritize customer client obligations rather than rights.

E-Banking: Risk Management Practices of the Estonian Banks

OpenAIRE

Dmitri Sokolov

2007-01-01

During the last years the development of e-banking in Estonia has been very significant. According to the report of the World Economic Forum, the Estonian IT-development has been substantial. The success of e-banking in Estonia can be compared to the corresponding success of the Nordic countries. According to the Deutsche Bank Research, around 70-80% of the Internet users in Estonia use Internet banking and in this respect, Estonia could be compared to Finland, Norway and Iceland. Despite of ...

Prevalence and risk factors of obesity and hypertension among students at a central university in the West Bank

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Yasin I. Tayem

2012-10-01

Full Text Available Objectives : We aimed to determine the prevalence and correlates of obesity and hypertension (HTN among students at a central university in the West Bank. Materials and methods : This cross-sectional study targeted a cohort of 553 students (59.5% males, 40.5% females aged 17–26 years (median = 21 from Al-Quds University. Body mass index (BMI and blood pressure (BP were measured. Participants completed a questionnaire on physical activity, sedentary behavior, dietary factors, smoking and family history of obesity, HTN, and coronary artery disease. The magnitude of correlation was assessed by Spearman's rho (r s and Chi-square tests. Results : The prevalence of overweight was 25% (31.1% males, 15.6% females and obesity 7.2% (9.4% males, 4% females. Obesity and overweight were associated with family history of obesity in both genders (p<0.001 and physical activity in males (r s= − 0.162, p<0.005. No correlation was demonstrated between participants’ BMI and sedentary lifestyle or consumption of fast food. Pre-HTN was detected in 27.1% (38% males, 11.2% females and HTN in 2.2% (3.3% males, 0.4% females. Pre-HTN and HTN were associated with obesity (r s=0.252, p<0.001 and smoking (p<0.05. No relationship was detected between students’ BP and sedentary behavior, family history of HTN/CAD, or consumption of fast food. The prevalence of increased BMI and BP among males was significantly higher than females (p<0.001. Conclusions : We detected a high prevalence of elevated BP and excess weight gain among students at Al-Quds University. An interventional program is urgently needed to control these cardiovascular risk factors in this community.

Bank Ethics:An Empirical Investigation of the Banking in China

Institute of Scientific and Technical Information of China (English)

刘春红; 宋玮

2004-01-01

Business ethics is considered critical for the reputation and competitive power of banks, especially in China after WTO Entry. This study applied the theory and research on ethical practices of successful managers and ethics control mechanisms to identify the ethical climates that result in ethical behaviors in the banking. 141 employees from different banks in Shanghai, China, completed measures of all scales in the survey. The results support the theorizing of the value of well-formed business ethics in the banking in China. The correlation and structural equation analysis suggests that ethical practices of successful managers and ethics control mechanisms of banks reinforce three ethical climates of 'service', 'law and rules' and 'caring' that promote the ethical level of employees, and the independence and instrumental climate on the contrary. This study also found that there are three ethics control mechanisms most commonly used in the banking and ethics-focused reward system is believed to be a mostly effective one by the employees of banking in China.

Dividend Payout Policy of Conventional Banking and Islamic Banking in Pakistan

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Farhan Ahmed

2018-01-01

Full Text Available This paper investigates the difference between the dividend payout policy of Islamic banks and conventional banks in Pakistan for a period from 2012 to 2016 analyzing the data through regression using Least Square Method (OLS. Specifically, the study aims to study the impact of the profitability, liquidity, revenue growth and financial leverage on the dividend payout policy of the Islamic Banks and conventional banks of Pakistan and how Islamic banks dividend policy differs from conventional banks. This study concludes that the factors like liquidity and financial leverage should be considered and addressed accordingly, because these are key indicators to help policymakers and investors in assessing the performance of the Islamic Banking Industry. DOI: 10.15408/aiq.v10i1.6103

The Banks Rating Analysis The Differences Between The Regional Development Banks And Non-Foreign Exchange Commercial Banks In Indonesia

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Dr. Irwan Ch

2017-06-01

Full Text Available This study aimed to analyze the bank rating in terms of differences the financial performance between the Regional Development Banks and Non-Foreign Exchange Commercial Banks. It is consist of capital adequacy asset quality profitability Return On Asset ROA Return on Equity ROE Net Interest Margin NIM and Liquidity Loan to Deposit Ratio. The fulfillment of capital adequacy and asset quality of the bank groups did not differed significantly while in terms of profitability and liquidity there are significant differences. The earning difference is more likely due to the Regional Development Banks sources of funds for the implementation of the Local Government Cash Holder function as the Provincial Government and District City. The difference of liquidity are showed by the performance of Regional Development Banks and the Non-Foreign Exchange Commercial Banks in lendingfinancing whereas the two groups of banks on average are still relatively low in lending.

Evolution of central banking? De Nederlandsche Bank 1814-1852

NARCIS (Netherlands)

Uittenbogaard, R.A.

2014-01-01

Nowadays the role of central bank is unquestioned and nearly ubiquitous. But was this always the case? This thesis analyses how De Nederlandsche Bank (DNB) developed into a central bank during the first four decades of its existence. Its establishment in 1814 was the result of a combination of both

Bank Stability and Competition: Evidence from Albanian Banking Market

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Gerti SHIJAKU

2017-05-01

Full Text Available This paper analyses the inter-temporal competition – stability nexus after the global financial crises. For this reason, the empirical estimation approach follows a five – step procedure. First, we utilise quarterly macroeconomic and balance sheet and income statement data for 16 banks operating in the Albanian banking sector over the period 2008 – 2015. Second, we calculate a new composite index as a measure of bank stability conditions, which includes a wide set of information rather than focusing only on one aspect of risk. Then, we construct a proxy for bank competition such as the Boone indicator. Empirical estimations are based on the General Method of Moments approach. A set of robustness checks include also the use of other alternative proxy of competition such as the Lerner index and the efficientadjusted Lerner index, profit elasticity and the Herfindahl index. Empirical results strongly support the “competition – stability” view after the global financial crises - that higher degree of competition boosts further bank stability conditions. Results further indicate that greater concentration has also a negative impact on bank stability. Results imply also that bank stability is positively linked with macroeconomic conditions and capital ratio and inverse with operational efficiency. Finally, we do not find a non-linear relationship between competition and stability.

An empirical analysis of macroeconomic and bank-specific factors affecting liquidity of Indian banks

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Anamika Singh

2016-06-01

Full Text Available This paper investigates bank-specific and macroeconomic factors that determine the liquidity of Indian banks. To explore the association, we perform OLS, fixed effect and random effect estimates on a data set of 59 banks from 2000 to 2013. Studied bank-specific factors include bank size, profitability, cost of funding, capital adequacy and deposits. GDP, inflation and unemployment are the macroeconomic factors considered. We also perform liquidity trend analysis of Indian banks based on ownership. Findings reveal that bank ownership affects liquidity of banks. Based on panel data analysis, we suggest that bank-specific (except cost of funding and macroeconomic (except unemployment factors significantly affect bank liquidity. These include bank size, deposits, profitability, capital adequacy, GDP and inflation. Further, bank size and GDP were found to have a negative effect on bank liquidity. On the other hand, deposits, profitability, capital adequacy and inflation showed a positive effect on bank liquidity. Cost of funding and unemployment showed an insignificant effect on bank liquidity. Our paper highlights new facts for enhanced understanding of liquidity in emerging economies like India.

The Bank Lending Channel of Monetary Policy Transmission in A Dual Banking System

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Mansor H. Ibrahim

2017-02-01

Full Text Available This paper examines the impact of monetary policy on bank lending in a dual banking system, i.e. Malaysia. Making use of an unbalanced panel data set of 38 Islamic and conventional banks covering mostly 2001-2014, we find evidence that variations in monetary policy affect lending growth of Islamic banks and, to some extent, conventional banks. The results further reveal that, in conformity with studies using aggregate Islamic financing data, the Islamic financing growth reacts more strongly to monetary policy changes. Moreover, we find no marked difference between full-fledged Islamic banks and Islamic bank subsidiaries in their responses to monetary policy. While we also document some evidence indicating the significant relations between bank-specific variables and lending growth, the bank-specific variables do not seem to have any role in impacting the potency of the bank lending channel. Finally, we find that lending growth is directly related to economic growth, suggesting procyclicality of bank lending/financing in Malaysia. These results have important implications for effective implementation of monetary policy and further development of Islamic banks in Malaysia.

KEWAJIBAN BANK UNTUK LAPOR PERPAJAKAN ATAS DATA NASABAH BANK YANG MENGGUNAKAN JASA KARTU KREDIT DITINJAU DARI PRINSIP KERAHASIAAN BANK

OpenAIRE

Haryono, Carissa Amelia

2016-01-01

Bank is the main actor in a country's economic. however, bank has a high dependency on their customers, which that means bank cannot operate without the people, in this case the customers who use their services. To maintain its bond with the customers, bank have to at least fulfill three principles, and one of those principles is principle of confidentiality. With the principle of confidentiality, bank have to keep well their customers privacy, but there are some affiliated party ...

An analysis of river bank slope and unsaturated flow effects on bank storage.

Science.gov (United States)

Doble, Rebecca; Brunner, Philip; McCallum, James; Cook, Peter G

2012-01-01

Recognizing the underlying mechanisms of bank storage and return flow is important for understanding streamflow hydrographs. Analytical models have been widely used to estimate the impacts of bank storage, but are often based on assumptions of conditions that are rarely found in the field, such as vertical river banks and saturated flow. Numerical simulations of bank storage and return flow in river-aquifer cross sections with vertical and sloping banks were undertaken using a fully-coupled, surface-subsurface flow model. Sloping river banks were found to increase the bank infiltration rates by 98% and storage volume by 40% for a bank slope of 3.4° from horizontal, and for a slope of 8.5°, delay bank return flow by more than four times compared with vertical river banks and saturated flow. The results suggested that conventional analytical approximations cannot adequately be used to quantify bank storage when bank slope is less than 60° from horizontal. Additionally, in the unconfined aquifers modeled, the analytical solutions did not accurately model bank storage and return flow even in rivers with vertical banks due to a violation of the dupuit assumption. Bank storage and return flow were also modeled for more realistic cross sections and river hydrograph from the Fitzroy River, Western Australia, to indicate the importance of accurately modeling sloping river banks at a field scale. Following a single wet season flood event of 12 m, results showed that it may take over 3.5 years for 50% of the bank storage volume to return to the river. © 2011, The Author(s). Ground Water © 2011, National Ground Water Association.

Foreign bank entry impacted domestic-owned banks in Ghana from 1975 to 2008

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Nsiah K. Acheampong

2013-12-01

Full Text Available This article empirically examines the effects of foreign bank entry on the financial performance of Merchant Bank Ghana Limited and Ghana Commercial Banks Limited in Ghana from 1975 to 2008. The main result of the pooled regression was that foreign bank entry relatively increased domestic banks’ return on assets for the period 1992-2008; a period with a high influx of foreign banks into Ghana. This result supported the studies by Beck, Demirguc-Kunt, and Levine (2006 and Boldrin and Levine (2009 that found that foreign bank entry enhanced domestic banks profitability margins. The presence of foreign-owned banks was not detrimental to the financial performance of the domestic-owned banks in Ghana.

Capital Adequacy in Banks: Reflections on Selected Banks in ...

African Journals Online (AJOL)

In principle, bank capital serves two functions. First, it represents the value of shareholder's equity, and secondly, it is the value of the buffer stock available to absorb unexpected losses. Because of this second function, it is argued that a bank's capital must be adequate. Adequate capital is the foundation of any banking ...

A report on operating a nationwide human milk bank in Korea

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Kang Hoon Song

2010-04-01

Full Text Available Purpose : A human milk bank collects, processes, eliminates, and stores breast milk from donors and provides breast milk to those in need. The authors hereby present the experiences and the objective lessons obtained through operating a nationwide human milk bank over a period of 2 years. Methods : The characteristics of the donors and the recipients and the amounts of breast milk donated, processed, and received at the East-West Neo Medical Center Human Milk Bank were investigated from August 2007 to August 2009. Results : The donor pool consisted of 131 first-time donors and 39 repeat donors who made 341 and 127 donations, respectively. Seventy-nine percent of the donors resided in the Seoul-Kyunggi area, and 60% of the donors were in their 30s. Most information and motivation came from the Internet (66% or television (14%. A total of 2,736 L of breast milk was collected, and 1,979 L were processed. The cumulative number of recipients was 160 preterm or full-term infants and 21 adults, each group receiving the breast milk 337 and 41 times, respectively. In total, infants received 1,663 L and adults received 179 L. Conclusion : Through the present study, the role and importance of a human milk bank in collecting, pasteurizing, and storing surplus breast milk in through sanitary, medically proven methods and providing this breast milk to recipients could be appreciated and reevaluated. The authors believe that a national support system is necessary to expand this practice to a nationwide scale.

Bank Control and the Number of Bank Relations of Japanese Firms

NARCIS (Netherlands)

Sterken, Elmer; Ogawa, Kazuo; Tokutsu, Ichiro

2005-01-01

We explore the determinants of the number of long-term bank relations of listed Japanese firms using a unique data set covering the period 1982-1999. Having a relation with a top-equity holding bank reduces the number of bank relations, while debt-rich and cash-poor firms have more bank relations.

Efficiency and Competition in the Malaysian Banking Market: Foreign versus Domestic Banks

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Rossazana Ab-Rahim

2017-08-01

Full Text Available The aim of this paper is to investigate efficiency performance of Malaysian banking market using data envelopment analysis approach in the context of the increasing presence of foreign banks. Specifically, two measures of efficiency are constructed, cost and profit efficiency by utilizing bank-level data of Malaysian commercial banks, over the period 2003 to 2014. The results obtained show the domestic banks are more efficient than the foreign banks counterparts for both measures of efficiency. Next, the Lerner Index approach is employed to measure competition and finally, Granger causality tests are undertaken to answer the question, does competition foster efficiency? The results of causality tests support a positive effect of competition on cost and profit efficiency of Malaysian banks. With regard to the financial liberalization, the findings imply that higher competitive pressure may be offset the market power of individual banks; however, eventually it will results in efficiency gains of Malaysian banks.

Does Concentration Matter for Bank Stability? Evidence from the Albanian Banking Sector

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Shijaku Gerti

2017-09-01

Full Text Available Motivated by the debate on the concentration-stability nexus, this paper studies the impact of bank concentration on the likelihood of a country suffering systemic bank fragility. For this reason, we followed a new approach using on-site bank balance sheet information to construct our proxy that represents each bank stability condition and uses a variety of internal and external factors to estimate a balance panel dynamic two-step General Method of Moments (GMM approach for the period 2008 - 2015. First, results provide supportive evidence consistent with the concentration-fragility view. Second, macroeconomic variables seem to have a significant effect on bank stability, which is not found for the sovereignty primary risk. By contrast, the bank-specific variables have also a significant effect on bank stability conditions. Finally, non-systemic banks are found to be more sensitive to macroeconomic condition and market concentration, while the better capitalised banks are less sensitive to fragility at the expense of lower operation efficiency.

Pricing linkage between Islamic banking and conventional banking: The case of Bangladesh

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Sarwar Uddin Ahmed

2014-11-01

Full Text Available Islamic banking is based on profit and loss mechanism where the use of interest is prohibited.  Unlike conventional banks, these banks do not charge a specific rate of interest, rather provides financing in exchange for profit sharing.  However, there are studies claiming that, in practice, Islamic banking is same as conventional banking with regard to the use of interest. It is also claimed that, Islamic deposits are not interest-free, but are closely attached to conventional deposits.   On this background, the objective of this study is to examine the relationship between pricing in Islamic banks vis-à-vis conventional banks by taking the case of Bangladesh. We have used monthly data during the period of 2009-2013. The findings of the study showed that, there is no statistically significant difference between the monthly average lending rates of Islamic banks and conventional banks. However, there is significant difference between deposit rates. The existence of causal relationship was inconclusive, and requires further analysis.

BLC Bank - Lebanon : Leading in Banking on Women

OpenAIRE

International Finance Corporation

2016-01-01

The overall objective of this study is to learn about the impact of International Finance Corporation’s (IFC) Banking on Women (BoW) Program in the Europe and Central Asia and the Middle East and North Africa (EMENA) through BLC Bank of Lebanon. The objective of this specific case study is to understand the success of the BoW program for BLC Bank in Lebanon in terms of the program’s contri...

Banking governance: New Approaches

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Victor Mihăiţă Duţă

2016-11-01

Full Text Available Banks are companies like any other. However, banks are distinguished by certain intrinsic characteristics of companies that have a different impact on the motivation of stakeholders. Among these features, we mention:partnership and shareholders governance agreements; banks are heavily regulated companies; banking assets is the main source of haze banking and information asymmetry; between the bank and depositors there is a problem of moral hazard.

BANKING WITHOUT INTEREST

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Jana Ilieva

2017-06-01

Full Text Available In recent years, there has been increased global awareness of Islamic finance. This topic is mainly opened with respect to the great financial crisis that mostly hit the banking system and the financial markets and caused many bank bankruptcies and state interventions. This paper analyzes the basic principles of Islamic banking. The absolute prohibition of receiving and giving interest (Riba and profit-and-loss sharing (PLS paradigms are elaborated in detail; they are primarily based on mudarabah (profit-sharing and musyarakah (joint venture concepts which nowadays are becoming an accepted way of doing business in several Western multinational banks. An overall comparison of the advantages of Islamic vs. conventional banking is also given. Islamic finance technology solutions have matured and they will face various challenges in the following decades, due to conventional banks offering, increasingly, Islamic products. The need for a more comprehensive environment and regulatory framework is emphasized, so that Islamic banking development can be ensured.

Influence of upwelling induced near shore hypoxia on the Alappuzha mud banks, South West Coast of India

Digital Repository Service at National Institute of Oceanography (India)

GireeshKumar, T.R.; Mathew, D.; Pratihary, A.K.; Naik, H.; Narvekar, K.U.; Araujo, J.; Balachandran, K.K.; Muraleedharan, K.R.; Thorat, B.R.; Nair, M.; Naqvi, S.W.A.

The results of the first time-series measurements spanning 18-weeks (22 April to 20 September 2014) from a coastal environment (Alappuzha, southwest India), where two process of upwelling and mud banks are concurrent during summer monsoon...

Bank development; bank development efficiency; bank management; bank.

OpenAIRE

Самородов, Б. В.

2014-01-01

In the paper the theoretical research of determination of the essence of “management of bank financial development” is realized. The analysis is performed on the basis of substantial considering and comparing the philosophy and economical definitions of the components of its definition.

ELECTRONIC BANKING AS ANS COMPETITIVE EDGE FOR COMMERCIAL BANKS OF PAKISTAN: ROE MODEL

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Sundas Rauf

2013-12-01

Full Text Available The impact of electronic banking on the profitability of commercial banks has been measured by developing the integrated model based on Return on Equity for the period of 2002 to 2012. Three major banks named as National Bank of Pakistan, Habib Metropolitan Bank, and Askari Bank Limited have been incorporated into the sample of this study, by applying the Ordinary Least Square (OLS , it has been concluded that services of E-Banking have significant impact on the profitability of recent adopters in terms of Return on Equity.

Legal and actual central bank independence : A case study of Bank of Indonesia

NARCIS (Netherlands)

Artha, I.K.D.S.; de Haan, J.

2010-01-01

Indicators of central bank independence (CBI) based on the interpretation central bank laws in place may not capture the actual independence of the central bank. This paper develops an indicator of actual independence of the Bank Indonesia (BI), the central bank of Indonesia, for the period

Small finance banks: Challenges

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Jayadev M

2017-12-01

Full Text Available A recent innovation in the Indian banking structure has been the formation of a new banking institution—small finance banks (SFBs. These banks are expected to penetrate into financial inclusion by providing basic banking and credit services with a differentiated banking model to the larger population. In this context the new SFBs have multiple challenges in coming out with a new, differentiated business model. The challenges include building low cost liability portfolio, technology management, and balancing the regulatory compliances. This paper also presents the top of mind views of three senior executives of new small finance banks.

Analisis Perbandingan Kinerja pada Bank Nasional dan Bank Asing dengan Menggunakan Analisis Rasio Keuangan

OpenAIRE

Angel, Christania Graciella; Pusung, Rudy

2014-01-01

Bank performance appraisal is based on bank financial report itself. The financial report can be form balance report which give information about the financial position to the outside of bank that can be used of eksternal to assess the level of risk exist in a bank. Based on ownership consist of national bank, mixture bank and foreign bank. These banks has tight compete to show a good performance to the public. This research aimed to analyze the financial performance difference of national ba...

Pengelolaan Likuiditas Bank Syariah

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Nurul Ichsan

2014-01-01

Full Text Available Islamic Banking Liquidity Management. This article is about management of liquidity which discuss about the position of cash money in the company and its ability to fulfill the obligation (pay the debt on time. Management of liquidity is one of the essential function which is done by banking institution and inside its efficient management, is needed instrument and finance market which is taking not only short term but also long term, and not only conventional banking but also syariat. Through that natural necessity (placement and fulfillment of short term need, for Islamic banking in Indonesia has been availabled some instruments such as (IMA certificate of Mudhorobah Investment between bank, (PUAS market banking regulations between syariat bank, (SWBI Bank of Indonesia Wadiah certificate, (FPJPS provision about short term cost facility for Islamic banks  DOI:10.15408/aiq.v6i1.1371

12 CFR 583.3 - Bank.

Science.gov (United States)

2010-01-01

... OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY DEFINITIONS FOR REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.3 Bank. The term bank means any national bank, state bank, state-chartered savings bank, cooperative bank, or industrial bank, the deposits of which are insured by the...

STUDI KOMPARATIF KINERJA BANK SYARIAH DAN BANK KONVENSIONAL DALAM MENGHADAPI KRISIS GLOBAL BERDASARKAN RASIO KEUANGAN

Directory of Open Access Journals (Sweden)

Rohmawati Kusumaningtias

2009-10-01

Full Text Available At the time of financial crisis, one of the influential institutions in society is banking. Banking sector provide soft loans to create productive employment for the community. On the other hand, customers also need the liquidity from bank-ing. These stakeholders' needs can be met by looking at the performance of bank-ing. This study aims to determine differences in the performance of sharia banking and conventional banking during economic crisis. This study uses t-test to analyze the data. From the research, it was found that in general, the performance of conventional banking is better than sharia banking in the economic crisis. Keywords: shariah banking, conventional banking, performance.

Framing a Bank

DEFF Research Database (Denmark)

Holmgreen, Lise-Lotte

2012-01-01

Danish bank, Danske Bank, during the 2008 financial crisis and hence in shaping its image projected to the public. Through the study of a number of semantic frames adopted by the Danish print press and those adopted by the Bank, this article will argue for the constructions of the press putting...... considerable strain on the Bank and its image, leading it to reconsider its previous strategy of denial of responsibility...

GenBank

OpenAIRE

Benson, Dennis A.; Cavanaugh, Mark; Clark, Karen; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Sayers, Eric W.

2012-01-01

GenBank? (http://www.ncbi.nlm.nih.gov) is a comprehensive database that contains publicly available nucleotide sequences for almost 260 000 formally described species. These sequences are obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects, including whole-genome shotgun (WGS) and environmental sampling projects. Most submissions are made using the web-based BankIt or standalone Sequin programs, and GenBank staff assig...

Integrated Marketing Communication to Enhance Active User of Internet Banking Service: Case Study Bank XYZ

OpenAIRE

Prawitasari, Larasati; Hudrasyah, Herry

2012-01-01

Internet banking is a form of self-service technology. In the global banking business, Internet banking has a big role for doing the business. In developing country, Internet banking received relatively little attention although has been deployed for years. Only 3% of customer Bank XYZ in Indonesia using Internet banking service actively, although has been 9 years Bank XYZ introduced Internet banking service. This study addressed what factor that drives and influences Internet banking accepta...

Perlindungan Hukum Terhadap Nasabah Bank Pengguna Internet Banking Dari Ancaman Cybercrime

OpenAIRE

Astrini, Dwi Ayu

2015-01-01

Tujuan dilakukan penelitian ini adalah untuk mengetahui bagaimana peratuan Perundang-undangan yang melindungi nasabah bank pengguna internet banking dari ancaman cybercrime, dan bagaimana mekanisme perlindungan dan tanggungjawab yang diberikan pihak bank terhadap nasabah yang mengalami masalah dalam pengguna internet banking. Berdasarkan penelitian normatif disimpulkan bahwa; 1. Sumber hukum formal mengenai bidang perbankan, adalah UUD 1945 (Pasal 1 ayat 3), Undang-undang Nomor 7 Tahun 1992 ...

STRATEGI PEMASARAN TERHADAP PENJUALAN PRODUK TABUNGAN IB HASANAH DI PT. BANK NEGARA INDONESIA SYARIAH KANTOR CABANG JAKARTA BARAT

Directory of Open Access Journals (Sweden)

Raden Ajeng Entaresmen

2017-02-01

Full Text Available BNI Syariah branch office in West Jakarta has one of funding products that Savings iB Hasanah useful for pure investment vehicles Shariah compliance, where customers can make deposits and withdrawals of cash very easily. In marketing this product, BNI Syariah use 2 pattern to implement a marketing strategy that intensification patterns for customers who already have a product BNI Syariah and extension patterns for prospective customers at other banks that have not used that product at BNI Syariah. Besides, in general BNI Syariah has some marketing strategies that include 9P is Process, People, Product, Price, Place, Promotion, Partners, Presentation, and Passion. Employees who are experts in marketing their products to barriers such as the lack of make Savings iB Hasanah customers, how to services and lack of staff was quick to respond, competition between conventional banks and Islamic banks BNI Syariah office supplies in some areas. Keywords : Marketing strategy, Savings iB Hasanah, Product marketing barriers savings iB Hasanah

ROMANIAN BANKS LIQUIDITY MANAGEMENT

Directory of Open Access Journals (Sweden)

BATRANCEA MARIA

2013-07-01

Full Text Available Most transactions or financial commitments have implications for a bank liquidity. Transactions are particularly vulnerable to liquidity problems at a specific institution. Therefore, one can deduce the importance of the correct calculation and liquidity indicator, not only for the bank concerned, but especially for NBR uses that bank risk management tool. That is why the authors took into consideration a sample of banks in Romania to show to what extent the banking crisis has influenced the development banks.

Bank Ownership, Board Characteristics and Performance: Evidence from Commercial Banks in India

Directory of Open Access Journals (Sweden)

Jayati Sarkar

2018-02-01

Full Text Available We study the effect of board governance in state-owned and private banks by undertaking a study of commercial banks in India that has both bank groups. Covering a ten-year period from 2003 to 2012 that witnessed a large number of governance reforms in India, the results of our empirical analysis provide evidence of strong ownership effects with board independence exhibiting a significant positive correlation with the performance of private banks and a significant but negative correlation with the performance of state-owned banks. The effect of CEO duality is negative in state-owned banks where incidence of CEO duality is high. We find that a longer CEO tenure has significant positive effects on bank outcomes with these effects strengthening in the later years of CEO tenure. Our results have governance implications for strengthening the composition of board of directors and CEO tenure especially in state-owned banks.

The banking union and the financial and banking system reform in EU

Directory of Open Access Journals (Sweden)

Alina Ligia Dumitrescu

2013-04-01

Full Text Available Coordination among supervisors in financial and banking system is vital, but the financial crisis has shown that is not enough, and especially in the context of a single currency would require more common actions in EU. Therefore, the European Commission proposed “the creation of a banking union”, in order to place the banking sector on a more solid base and to restore confidence in the single currency, as part of a longer-term vision for the promotion of the economic and fiscal integration. Therefore, the new direction of the reform of the financial sector is "the creation of a banking union", that will help: to strengthen banks supervision, to ensure better deposits security, to recapitalize banks and last but not least to achieve the centralized management of the banking crises.

Comparing Conventional Bank Credit Vis A Vis Shariah Bank Musharakah: Experimental Economic Approach

Directory of Open Access Journals (Sweden)

Muhamad Abduh

2008-01-01

Full Text Available Central Bank of Indonesia with dual banking system – i.e Shariah and Conventional Bank – keep on developing system that considered as an answer to generate the national economic growth. One of the banking activities that emphasized by the Central Bank of Indonesia is fund distribution through either conventional bank credit or shariah bank fi nancing. Having the Experimental Economic Approach based on Induced Value Theory and employing ANOVA, this paper found that shariah bank musharakah fi nancing system would come up with higher profi t opportunity compare to conventional credit system. One main reason is that musharakah fi nancing in shariah bank applies profi t and lost sharing (PLS scheme so that will not be a burden to the customer when he fi nd low profi t.Keywords: Credit Loan, Musharakah Financing, Induced Value Theory, Experimental Economic Approach, Analysis of Variance (ANOVA.

ANALISIS KINERJA PERBANDINGAN BANK DEVISA BUMN DAN BANK DEVISA SWASTA PADA TAHUN 2006-2011

Directory of Open Access Journals (Sweden)

Gatot Nazir Ahmad

2014-04-01

Full Text Available Comparative analysis of performance bank devisa BUMN and bank devisa Swasta. Thesis, Jakarta: Finance Concentration Management, Program Management, Department of Management, Faculty of Economics, University of Jakarta. Researchers aimed to determine the performance bank devisa BUMN and bank devisa Swasta by using the ratio Capital Asset Management (CAR, Return On Asset (ROA, Retrun On Equity (ROE, and Loan to Deposit Ratio (LDR. The samples used were four banks devisa BUMN and four banks devisa Swasta status go public. The data used in this study were obtained from the Annual Banking Financial report. The method of analysis used in this study is a descriptive analysis, test Outliers, and Normality Test Data Test different using paired sample t-test. The results of the analysis using a paired sample t-test between the results obtained bank devisa BUMN and bank devisa Swasta generally have a difference except for Capital Asset Ratio (CAR. The results of this study there was no difference between banks devisa BUMN and bank devisa Swasta. This study also shows that bank devisa Swasta have CAR greater than CAR bank devisa BUMN.

Customers’ adoption of electronic banking: An investigation on the commercial banking industry in Zimbabwe.

OpenAIRE

Makosana, Musa

2014-01-01

The advent of electronic banking offers banking firms a new frontier of opportunities and challenges. This study investigates how social factors, awareness, consumer perceptions and attitudes towards electronic banking influence the adoption of electronic banking in Zimbabwe. In Zimbabwe little is known and understood about the emergence of electronic banking, this is because electronic banking is new, and so consumer acceptance and use of electronic banking is still limited. This study has r...

76 FR 44914 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2011-07-27

..., and Logan County Bank, Lincoln, Illinois. C. Federal Reserve Bank of Minneapolis (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1. Stephen L. Grobel, Tabb... thereby indirectly acquire voting shares of First Community Bank, Glasgow, Montana. In addition, Stephen L...

Effects of e-banking on growth of customer base in kenyan banks

OpenAIRE

Okibo, Bichanga Walter; Wario, Ali Yattani

2014-01-01

The study highlights the effects of E-banking services on growth of customer base in Kenyan banks for over the last five years. It addresses issues that affect effective utilization of E-banking facilities by customers. The study generally investigates how lack of technological know-how, illiteracy, unreliability, and transaction limits has hindered growth of on-line customer base in Kenyan banks. E-banking provides enormous benefits to consumers in terms of time saving and cost of transactio...

Banking beyond banks and money a guide to banking services in the twenty-first century

CERN Document Server

Aste, Tomaso; Pelizzon, Loriana; Perony, Nicolas

2016-01-01

Do you know how banking and money will look like in the new digital age? This book collects the voices of leading scholars, entrepreneurs, policy makers and consultants who, through their expertise and keen analytical skills, are best positioned to picture from various angles the ongoing technological revolution in banking and finance. You will learn how lending and borrowing can exist without banks; how new forms of money can compete to better serve different society needs; how new technologies are banking the unbanked communities in the poorest parts of the world, and how ideas and small projects can be financed by the crowds without the need to rely upon banks. You will learn how, in the new digital age, we will interact with new self-organised and autonomous companies that operate without any human involvement, based on a set of programmed and incorruptible rules. You will learn that new business models will emerge thanks to technology-enabled platforms, upon which one can build new forms of non-hierarchi...

Pengaruh Pengumuman Likuidasi Bank Terhadap Minat Menarik Uang Dari Bank

OpenAIRE

Haribowo, Ignatius Novianto

2017-01-01

This study aims to examine the factors that influence a person to withdraw all or part of the money from the bank in liquidation of large banks case in Indonesia. This study uses the theory of Lewin to uncover factors that may influence a person to withdraw part or all of the money from the bank if there is a big bank liquidation. Based on Lewin's theory, there are two factors that can influence a person's decision, namely internal factors and external factors. Internal factors in this study ...

GenBank

OpenAIRE

Benson, Dennis A.; Karsch-Mizrachi, Ilene; Lipman, David J.; Ostell, James; Sayers, Eric W.

2008-01-01

GenBank? is a comprehensive database that contains publicly available nucleotide sequences for more than 300 000 organisms named at the genus level or lower, obtained primarily through submissions from individual laboratories and batch submissions from large-scale sequencing projects. Most submissions are made using the web-based BankIt or standalone Sequin programs, and accession numbers are assigned by GenBank? staff upon receipt. Daily data exchange with the European Molecular Biology Labo...

EVALUASI PENERAPAN PENGUKURAN KINERJA BANK DENGAN PENDEKATAN BALANCED SCORECARD PADA BANK PAPUA (Persero)

OpenAIRE

TRI REJEKI, TALHA

2014-01-01

2014 ABSTRAK Evaluasi Penerapan Pengukuran Kinerja Bank Dengan Pendekatan Balanced Scorecard Pada Bank Papua (Persero). Evaluation of the Implementation of Bank Performance Measurement Balanced Scorecard Approach To Bank of Papua ( Persero ) . Talha Tri Rejeki Yulianus Sampe M. Christian Mangiwa Penelitian ini bertujuan untuk mengetahui gambaran kinerja Bank Papua Persero), Tbk dengan pendekatan balanced scorecard dari segi ...

The Consolidation on Banking Supervision in the Context of a Pan European Banking System

Directory of Open Access Journals (Sweden)

Teodora Barbu

2007-03-01

Full Text Available The diversity of national banking systems in the European banking system and the absence of consolidated supervision creates the premises for a series of interrogations whose essence is the same: Is it possible to discuss about a Pan European Banking System? The starting point in answering this question was the efforts to create a single banking market, which took place in 1973-1999, and the impact of integration on the European Banking Industry. Among the most representative aspects, it must be emphasized the necessity of consolidating banking supervision at an European level, considering that the International Banking Community studies the problematic of banking regulations at a global level. The two dimensions of the prudential and European bank supervision device – the geographic and the institutional – demand the creation of a structural reform in order to ensure the functioning of a Pan European system of banking supervision and regulations. The considerations on the Consolidation of European Banking Supervision draws into discussion the Financial Supervision Authority which has generalized as an applicable model in numerous European countries and has been mentioned as an alternative of Pan European banking supervision. In the process of the integration of the banking sector, the Basel II Accord represents an opportunity in reaching a convergence of national regulations and practices in matters of risk management, considering that these actions are in line with the preoccupations of realizing a Pan European banking system. Thus, the creation of Pan European banking system involves actions in more directions: legal, institutional, operational meant to ensure the consolidation of banking supervision.

Holocene reef building on eastern St. Croix, US Virgin Islands: Lang Bank revisited

Science.gov (United States)

Hubbard, D. K.; Gill, I. P.; Burke, R. B.

2013-09-01

New core and seismic data suggest that widespread reef building started on Lang Bank by 8,900 CalBP and was dominated by Acropora palmata for the next three millennia. Accretion rates averaged 5.81 m ky-1, a rate that was sufficient for reefs to keep pace with rising sea level on the bank throughout their history. Seismic data show a deep platform interior that was flooded well in advance of reef building along the elevated rim. As a result, those reefs were buffered from sediment stress by their higher positions and active water flow to the west. A. palmata disappeared from the shallow margin by 6,350 yr ago, and reef building on Lang Bank largely ceased by 5,035 CalBP. The reasons for these dramatic events are unclear. Water depth over the reefs was generally shallower than when they started to build, and sea level was slowing dramatically. The new data described here show that reefs flourished on Lang Bank throughout the hiatus suggested by earlier studies (10-7 kyrs BP), and the ultimate demise of shelf-edge reefs is clearly not associated with either poor water quality or sudden sea-level rise. In addition, accretion rates from eastern St. Croix and throughout the Caribbean were well below the high values (≥10 m ky-1) that have been widely assumed. These data collectively argue against models that require extreme environmental or oceanographic phenomena to drown reefs on Lang Bank where reef building was too fast to be outpaced by Holocene sea-level rise. This also bears on more generalized Caribbean models that depend on the presumed reef history on eastern St. Croix.

Societal Norms and Conditions and Their Influence on Daily Life in Children With Type 1 Diabetes in the West Bank in Palestine.

Science.gov (United States)

Elissa, Kawther; Bratt, Ewa-Lena; Axelsson, Åsa B; Khatib, Salam; Sparud-Lundin, Carina

To explore the experiences of daily life in children with type 1 diabetes (T1D) and their parents living in the West Bank in Palestine. A qualitative study using thematic interviews was performed with 10 children with T1D and their parents (n=10). Content analysis was performed with the assistance of NVIVO 10. The overall theme was facing the social reality of diabetes. This was underpinned by two themes: stigmatization and social constraints. Facing the social reality of diabetes described children and their parents' everyday life attempts to place themselves within the context of the disease and social context. Children and their parents described how stigmatization and social constraints impacted their daily life as a result of fear of disclosing the disease, which could affect their social status. These findings highlighted how daily life in children with T1D and their parents was highly affected by cultural impacts, especially as stigma related to the illness affected social interactions of female and male children/adolescents. Lack of knowledge and misunderstandings about T1D in society lead to negative consequences like poorer management of diabetes, and this becomes mediated by gender. The findings suggest health care providers need to be aware of the cultural and social impact of T1D on children's and parents' daily life in order to meet their needs and challenges by providing appropriate interventions, strategies and support. Copyright © 2017 Elsevier Inc. All rights reserved.

BANKING UNION - ROMANIAN PERSPECTIVE

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Coroiu Sorina Ioana

2015-07-01

Full Text Available The financial crisis showed that banks were not able to face the loss, because there is no framework for a resolution, so that it intervened with money from taxpayers. So, it has been highlighted the need to update the regulations applicable to the banking sector. Creating a single supervisory mechanism in the fall of 2014 was a time reference point to achieve a banking union in Europe. Banking Union is one of the four foundations for a genuine Economic and Monetary Union. The paper’s purpose is to analyze the Banking Union structure, based on three pillars: (i The Single Supervisory Mechanism - the transfer of the main responsibility regarding banking supervision from national to European level, (ii The Single Resolution Mechanism - introduction of common provisions to ensure legal support required to manage bank failures problem, (iii The Deposit Guarantee Schemes - harmonization of deposit guarantee rules. These measures were adopted at European Union level to ensure the stability of the European banking system and to prevent future crises. Because countries that are not part of the euro area are not required to join the Banking Union, the dilemma of these countries lies in the decision to join the Banking Union quickly or to wait. It is the case of Romania, also, so, this paper analyze the opportunity of Romania's accession to the Banking Union before adopting the euro. There are analyzed the advantages and disadvantages of Romania's participation in the Banking Union, showing that, in the context of single currency introduction, Romania's participation is required. So far, there are reduced debates regarding the need, advantages and disadvantages of Romania's participation in the European Banking Union, the top representatives of the National Bank of Romania being among the few who expressed their views in public and published papers on the subject.

Bank Liquidity and Financial Performance: Evidence from Moroccan Banking Industry

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El Mehdi Ferrouhi

2014-12-01

Full Text Available This paper aims to analyze the relationship between liquidity risk and financial performance of Moroccan banks and to define the determinants of bank’s performance in Morocco during the period 2001–2012. We first evaluate Moroccan banks’ liquidity positions through different liquidity and performance ratios then we apply a panel date regression to identify determinants of Moroccan banks performance. We use 4 bank’s performance ratios, 6 liquidity ratios and we analyze 5 specific determinants and 5 macroeconomic determinants of bank performance. Results show that Moroccan bank’s performance is mainly determined by 7 determinants: liquidity ratio, size of banks, logarithm of the total assets squared, external funding to total liabilities, share of own bank’s capital of the bank’s total assets, foreign direct investments, unemployment rate and the realization of the financial crisis variable. Banks’ performance depends positively on size of banks, on foreign direct investments and on the realization of the financial crisis and negatively on external funding to total liabilities, on share of own bank’s capital of the bank’s total assets and on unemployment rate while the dependence between bank performance and liquidity ratios and bank performance and logarithm of the total assets squared depend on the model used.

Risk Management Practices in Islamic Bank: A Case Study of Islami Bank Bangladesh Limited

OpenAIRE

Uddin, Md Akther

2015-01-01

Islamic banking industry has been growing rapidly for last three decades. As risk is inherent in banking business it is necessary to develop a comprehensive risk management framework and process. In this paper, a humble attempt has been made to study and analyze risk management practices of Islami Bank Bangladesh Limited (IBBL), one of the leading Islamic banks in Bangaladesh. Annual reports of IBBL and 7 other full-fledged Islamic banks, Bangladesh Bank, the central bank of Bangladesh, publi...

The Effects of Foreign Bank Participation on the Turkish Banking System and Crisis

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Suleyman Degirmen

2015-08-01

Full Text Available There is an assertion that the participation of foreign banks in emerging markets is often thought to improve overall bank soundness. Therefore, if the share of foreign banks in a national banking system is large, the system will quickly overcome both financial or currency crises, and quickly recover itself. Since Turkey has been experienced mentioned crises, the aim of this study is to reveal if the assertion is valid for Turkey. Our expectation from the study using VAR method is to reach a conclusion that countries with large market share of foreign banks have safely passed the crises by virtue of foreign banks’ best management policies. The test results indicate that foreign banks have more positive effect for helping TBS capital structure; foreign bank participation did not cause any decline in loans and last one, after crisis, existence of foreign banks worsens TBS’ liquidity in interest and exchange rate shocks.

International Islamic Banking

OpenAIRE

saleem, shahid

2007-01-01

The purpose of this exploratory and to some extent descriptive analysis is to highlight the Islamic banking & finance theory, and to explain the practical disparity all over the Muslim Umma along with commonalities of Islamic banking in them. Islamic banking has been now become a value proposition which transcends cultures and will do speedily in next decades despite of cutting throat competition expected in global banking scenario. The size of Islamic Financial Industry has now reached size ...

County and Parish Boundaries, MFRDC has city limit boundaries for all municipalities in Dooly, Crisp, Macon, Taylor, Schley, Marion and Webster counties., Published in 2008, 1:63360 (1in=1mile) scale, Middle Flint Regional Development Commission.

Data.gov (United States)

NSGIC Regional | GIS Inventory — County and Parish Boundaries dataset current as of 2008. MFRDC has city limit boundaries for all municipalities in Dooly, Crisp, Macon, Taylor, Schley, Marion and...

Challenges Faced by Sudanese Banks in Implementing Online Banking: Bankers’ Perception

OpenAIRE

Nafis Alam; Ibrahim Hussien Musa Magboul; Murali Raman

2010-01-01

Innovations in Information technology have changed the way financial transactions are done in banking industry globally. Online banking uses today’s computer technology to give user the ability to manage their finances more quickly and efficiently, from anywhere around the world, and with just a click of the mouse. Banks perceive online banking as a powerful ‘value-added’ tool to attract and retain new customers while helping to eliminate costly paper handling and tell...

TINGKAT SUKU BUNGA BANK KONVENSIONAL DAN KOMITMEN NASABAH MENABUNG DI BANK SYARIAH

Directory of Open Access Journals (Sweden)

Muchlis Yahya

2017-03-01

Full Text Available banking. Shariah banking customers were divided into Moslem customers that only saved money at shariahbank (n1, Moslem customers that saved money both in shariah and conventional banks (n2, non-Moslemcustomers (n3. This study used primary data through questionnaires distributed to 400 people gotten from295.498 customers of shariah bank in Central Java. Then the customer data was analyzed by using logit model.For groups of customers’ n2 and n3, the interest rate had a significant negative effect on the commitment toinvest in shariah banks. However, for n1, the interest rate did not affect anything. n1 customers developedrelationship with shariah bank because of religion ideology motive. The result showed that n2, n3 customershad rational-economic mindset, whereas n1 customers had emotional-ideology mindset. This result showedthat shariah banking customers were dominated by customers that had rational-economic character. The openingof disagreement about the bank interest which was not usury and which was supported by only some socioreligiousorganizations like NU and Muhammadiyah could be an important factor the growth of Islamicbanking.

Banking in Africa

NARCIS (Netherlands)

Beck, T.H.L.; Cull, R.; Berger, A.; Molyneux, P.; Wilson, J.

2014-01-01

This paper takes stock of the current state of banking systems across Sub-Saharan Africa and discusses recent developments including innovations that might help Africa leapfrog more traditional banking models. Using an array of different data, the paper documents that African banking systems are

Banks on Notice

Institute of Scientific and Technical Information of China (English)

无

2009-01-01

Regulators issue policies to guide China’s banks as massive loans compromise the banking sector’s ability to contain future risks R egulatory departments are strengthening their supervision over financial institutions to prevent an incomprehensible financial scenario from unfolding: the failure of the Chinese banking

Banks and Banking Business in Russia in the Face of International Sanctions

Directory of Open Access Journals (Sweden)

Galina S. Panova

2016-01-01

Full Text Available The article provides an analysis of the present condition and prospects of development of banks and the banking business in the face of international sanctions. It identifies current trends, problems and the risks of banks and banking in Russia and in the world. Special attention is paid to the analysis of sectoral international sanctions against the Russian banks and the need to minimize negative impact of sanctions on the banking business, both nationally and internationally. Great value in these conditions has the state monetary policy. Anti-crisis policy pursued by the Bank of Russia, in a context of stagnating economy, leads to a reduction in the Russian share in the world economy and increases in the standard of living gap with the developed countries. The article argues that Russia's economic growth opportunities in 2016 are limited by restriction level of bank interest, the high volatility of the exchange rate of the national currency, insufficient development of credit relations, tough, high-budget (at the level of developed Europe tax burden, increasing administrative costs, dramatically increasing the concentration of risks of subjective decisions at the present stage of the electoral cycle. In a situation of uncertainty of predictions regarding the scope and duration of the application of sanctions, the Russian Government and the Central Bank of the Russian Federation had rightly seek to use a combination of anti-sanctions measures of austerity measures on introduction of contra-sanctions to create more comfortable conditions for doing business in Russia and her allies from member countries of Eurasian Economic Union, SCO, BRICS. The article examines the strategic aspects of development banks and banking business in Russia under the new circumstances. Given the practical recommendations on improvement of the development strategy of banks in Russia. The necessity to improve the theoretical, conceptual, methodological, her reasoning

PENGARUH KUALITAS PELAYANAN INTERNET BANKING TERHADAP KEPUASAN DAN LOYALITAS KONSUMEN PADA BANK SWASTA

Directory of Open Access Journals (Sweden)

Yusnaini -

2012-03-01

Full Text Available Tujuan Penelitian ini adalah untuk mengkaji mutu internet banking terhadap kepuasan pelanggan. Pesertanya sebanyak 145 pelanggan yang biasanya menggunakan internet banking dalam melakukan transaksi pada 5 perbankan di Palembang. Regresi ganda dan sederhana digunakan untuk menguji hipotesis. Hasilnya menunjukkan bahwa kualitas internet banking bisa mempengaruhi kepuasan pelanggan. Dimension of tangible, responsiveness and empathy mempunyai dampak yang signifikan, tetapi tidak berlaku untuk dimension of reliability and assurance.  Penelitian ini juga menemukan bahwa kepuasan pelanggan berdampak signifikan terhadap kesetiaan pelanggan bank. AbstractThis study examines the effects of internet banking quality to the customer satisfaction. A number of 145 customers that use internet banking for their transactions in 5 banks located in Palembang are selected as the data. Multiple and simple regressions are used to investigate hypothesis.The result shows that internet banking quality can influence the customer satisfaction. Dimensions of tangible, responsiveness and empathy have significant effects, but dimension of reliability and assurance are unsignificant. This study also finds that the customer satisfaction has significant effect to the bank customer loyalty. Keywords: internet banking; service quality; customer satisfaction

An Evaluation of Banks' Liability in Robbery Incidents at Banks ...

African Journals Online (AJOL)

The spate of armed robbery attack on banks in the last decade has been alarming. It is hoped with the current Central Bank of Nigeria (CBN) cashless policy there will be a drastic drop in such incidents. However, the issue of armed robbery attack at the bank premises brings to the fore two issues which are of paramount ...

Bank Syariah Sebagai Alternatif

Directory of Open Access Journals (Sweden)

Adang Sudjana

2003-03-01

Full Text Available The principle of not allowing interest practices (riba has saved the Syariah Bank and their customers from the effects of monetary crisis. In view of Islamic Principles, interest is forbidden. Therefore, all transactions of syariah banking are based on sale-purchase pattern. Besides, all good banking aspects as applied in conventional banking such as, 5 Cs (capital, collateral, capacity, character, and condition are also applied properly in the line of ukhrawi aspects in managing fund of syariah banking.  The practice of “mark-up” in project funded by syariah bank seems to be very difficult.

Ocean variability over the Agulhas Bank and its dynamical connection with the southern Benguela upwelling system

CSIR Research Space (South Africa)

Blanke, B

2009-12-01

Full Text Available .8 4.9 South 1.97 �36.86 0.23 �228.5 212.4 35.08 0.20 14.7 4.6 West 0.79 �36.47 0.61 �129.3 149.9 35.10 0.17 15.3 3.7 North 0.35 �36.20 0.73 �78.6 82.6 35.13 0.11 15.9 2.7 Benguela 0.38 �35.84 0.75 �75.9 71.2 35.13 0.11 14.8 2.4 aSD, standard... the shelf edge but excursions into the open ocean do occur, either to the southwest of the Agulhas Bank or west of the Benguela upwelling system. Cross-shore movements take place as eddying pathways, because of capture by coherent structures...

Nuclear fuel banks

International Nuclear Information System (INIS)

Anon.

2010-01-01

In december 2010 IAEA gave its agreement for the creation of a nuclear fuel bank. This bank will allow IAEA to help member countries that renounce to their own uranium enrichment capacities. This bank located on one or several member countries will belong to IAEA and will be managed by IAEA and its reserve of low enriched uranium will be sufficient to fabricate the fuel for the first load of a 1000 MW PWR. Fund raising has been successful and the running of the bank will have no financial impact on the regular budget of the IAEA. Russia has announced the creation of the first nuclear fuel bank. This bank will be located on the Angarsk site (Siberia) and will be managed by IAEA and will own 120 tonnes of low-enriched uranium fuel (between 2 and 4.95%), this kind of fuel is used in most Russian nuclear power plants. (A.C.)

Excellency in banking services - A new road map for banks in the emerging new competition

Directory of Open Access Journals (Sweden)

R. K. Uppal

2011-01-01

Full Text Available The widening gap between desirability and availability is becoming a major cause of dissatisfaction in the banking industry. The bridging of this gap is one of the solutions to make the customers delight. The present study analyzes the widening gap between desirability and availabilityregarding reliability, accuracy, confidentiality, flexibility, e-channels, high attention to customers, low service charges and overall satisfaction of customers in three bank groups i.e. public sector banks, Indian private sector banks and foreign banks. The survey was conducted in Chandigarh in the month of October, 2008. Three banks have been selected one each from three bank groups; PNB from public sector banks, HDFC bank from Indian Private Sector banks and Amro bank from foreign banks have been taken for consideration. On the basis of five point Likert type scale, survey concludes that desirability regarding all the parameters is very high as compared to availability of banking servicesand on the basis of this empirical survey, study recommends some measures to bridge this gap between the D/A of service quality parameters in the banking sector in the emerging competition.

Analysis on Corporate Governance Influences toward Banking Efficiency with Bank Category as Moderator Variable

Directory of Open Access Journals (Sweden)

Lidiyawati Lidiyawati

2015-05-01

Full Text Available Corporate governance system of Sharia financial institution that based on Islamic law may result more  variables principles then conventional owns. The restriction of usury are highly speculative transaction, embedded prohibited matter are main features in Sharia business institution. Sharia Supervisory Board, as board that supervises banking practices conforms to Sharia stipulations, hold strong important role within Islamic banking. Both important points above had direct effects on efficiency which attained by Islamic banking compared with conventional banking. This study examines the influence of corporate governance implementation toward efficiency banking sector with bank category as moderator variable. This study hypothesize that corporate governance has significant influences toward bank’s efficiencies, the influence of corporate governance toward Islamic bank efficiencies is higher than conventional bank, and level of Islamicbank efficiencies is higher than conventional bank. Measurement of efficiencies is using Stochastic Frontier Approach program, and then using SPSS in procces hypothetical model. The results of the study do not support the hypothesis. Examined result shows that statically corporate governance is not influenced by bank efficiency achievement. Corporate governance influences over Islamic bank has not show higher significance than conventional and Islamic bank efficiencies remain steady. Data limitations, complexity of the efficiency measures and the complexity of the operation of Islamic banks may explain the finding.

78 FR 34384 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-06-07

... Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C... bank holding company. The factors that are considered in acting on the notices are set forth in... Johnson Bank as trustee, both of Racine, Wisconsin; to join the existing Johnson Family Control Group and...

What is shadow banking?

NARCIS (Netherlands)

Claessens, S.; Ratnovski, L.

2014-01-01

There is much confusion about what shadow banking is. Some equate it with securitization, others with non-traditional bank activities, and yet others with non-bank lending. Regardless, most think of shadow banking as activities that can create systemic risk. This paper proposes to describe shadow

THE BANKING UNION – THE SOLUTION TO REDUCE THE EUROPEAN BANKING SYSTEM RISKS?

Directory of Open Access Journals (Sweden)

ALINA LIGIA DUMITRESCU

2014-11-01

Full Text Available The banking union has been seen as "a panacea" for solving the system risks of the EU banking system. This paper objectives are to find out if is the banking union, with is strong and week sides, will be right answer to solve the actual issues that EU banking system has as: the fragmentation in the EU single market, the deterioration in asset quality, the need for recapitalization and the quality of banks’ loan portfolios. According with most of the experts the banking union will strength the process of economic integration. On the other side, the non-euro area member states are questioning about "equal rights and obligations for all Member States" inside the banking union. But, with all pros and cons of the banking union, the ECB's making decisions and tasks can be questioned, although its role of supervisor can not be disputed. The most important thing is that the banking union breaks the vicious circle between banks and sovereign debts, and ends "to big to fail"

Macroeconomic and Bank Specific Determinants of Non-Performing Loans (NPLs in the Indian Banking Sector

Directory of Open Access Journals (Sweden)

Memdani Laila

2017-08-01

Full Text Available The main objective of the paper is to find out the determinants of NPAs in the Indian Banking sector and to study if these determinants vary across the three different ownership structures viz., public sector banks (PSBs, private banks (PBs and foreign banks (FBs, of banks in India. The panel data for all the banks from 2005 to 2014 is collected from the official website of Reserve Bank of India (RBI, the Central Bank of the country. The econometric technique of Fixed Effects model and Random Effects model is used for the purpose. The results reveal that Macro economic factors, like log of percapita income (LPCY and Inflation (INFN, are significantly affecting NPLs in Public Sector Banks (PSBs. In case of private banks (PBs LPCY is highly significant while bank specific variables like size and total loans to total loans of the banking sector (TLTLBS are significant at 10% level. For FBs none of the variables were significant.

12 CFR 615.5144 - Banks for cooperatives and agricultural credit banks.

Science.gov (United States)

2010-01-01

... such activities constitute a materially important line of business to its members. Also, investments... banks. 615.5144 Section 615.5144 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Investment Management § 615...

Bank Financing for SMEs : Evidence Across Countries and Bank-Ownership Types

NARCIS (Netherlands)

Beck, T.H.L.; Demirgüc-Kunt, A.; Martinez Peria, M.

2009-01-01

Using data for 91 large banks from 45 countries, this paper finds few differences in the extent, type, and pricing of SME loans across foreign, private, and government-owned banks, even though different bank ownership types apply different lending technologies and have different organizational

GenBank

Data.gov (United States)

U.S. Department of Health & Human Services — GenBank is the NIH genetic sequence database, an annotated collection of all publicly available DNA sequences. GenBank is designed to provide and encourage access...

THE RISE OF MOBILE BANKING

Directory of Open Access Journals (Sweden)

IMOLA DRIGĂ

2015-12-01

Full Text Available To meet customer’s expectations and needs, electronic banking services have allowed financial transactions to simplify and have increased their attractiveness. Over the past few year, in order to increase customer comfort and maintain profitability, banks around the world have adopted innovative banking technologies and modern e-banking services, such as internet and mobile banking. As a matter of fact, banking over mobile phones is the newest e-banking service with several benefits for both customers and banks. The paper aims to provide an overview of the latest electronic financial channel, underlining various aspects of mobile banking as it represents a key distribution channel for a growing number of customers.

Financial Innovation and Sustainable Development in Selected Countries in West Africa

Directory of Open Access Journals (Sweden)

Folorunsho M. Ajide

2016-01-01

Full Text Available Financial innovation has given a new trend to modern financial system and its importance has been widely recognized. This study investigated the effect of financial innovation augmented with bank competition on sustainable development in eight West African countries. Data were sourced from World Bank development indicators from years 2000-2013. We used two proxies of competitions, two proxies of financial innovations and regressed them on a growth indicator as well as development indicator with other control variables. Using panel data estimations, our results confirmed that an increase in banking efficiency driven by competition and financial innovation would improve economic growth and development. While the two proxies of competition were significant, the financial innovations were not significant; one displayed a negative, while the other exhibited a positive relationship with development. These results revealed the differential effects of different financial innovations adopted in the financial system. That is, the growth effect of financial innovation is sensitive to the choice of proxy. A reduction in demand for money caused by financial innovations could deter economic growth and development. This is because individuals would move away from more liquid assets to less liquid assets. On the other hand, financial innovations could potentially lead to an increase in money demand if payment systems improve and individual’s demand for more liquid assets is channeled to productive sectors. We therefore concluded that policies which would drive competition and efficiency in the banking industry as well as financial innovation should be introduced to ensure effective functioning of the financial system.

Banking and Trading

NARCIS (Netherlands)

Boot, A.W.A.; Ratnovski, L.

2016-01-01

We study the interaction between relationship banking and short-term arm’s length activities of banks, called trading. We show that a bank can use the franchise value of its relationships to expand the scale of trading, but may allocate too much capital to trading ex post , compromising its ability

The effect of quality of electronic banking services on agility of a bank

Directory of Open Access Journals (Sweden)

Hooman Pourmohammad

2016-07-01

Full Text Available Studies have shown that in service organizations, quality can have a growth in customer satisfaction as its consequence, and when it regards the banking services, factors are brought up with regard to the quality of banking services, which include the speed in responding, providing products proportionate to the customer needs, and gaining competence. These concepts are shared by the issue of organizational agility; hence, the qualities as well as the bank's agility of the banking system embrace these concepts in common. Therefore, the study aims at studying the effect of the quality of electronic banking services on the bank's agility, and assesses the role of two mediator variables of the quality of service system and personnel behavior quality. Using a questionnaire comprised of 76 items about the above components and asking the line personnel in Bank Saderat Iran (BSI in the branches both inside and outside of Iran, the research data was collected, and stratified random sampling was used. To analyze the data, the Structural Equation Model (SEM was used and the PLS software was employed to perform the computations. Results indicated that the model of the study has a high Goodness of Fit, and the quality of the electronic banking services had a significant effect on the bank's agility. In addition, the quality of electronic banking services affects the service system quality. The system service quality, also affects the employees' behavior. Therefore, it can be said that the electronic services quality and the bank's agility affect the personnel behavior quality through the mediated effect of the service system quality. The results of the present study can help the bank's executives to promote their bank's agility and the personnel behavior quality.

Are EU Banks Safe?

NARCIS (Netherlands)

R.J. Theissen (Roel)

2013-01-01

markdownabstract__Abstract__ What exactly are the rules banks are subject to, and are they fit for purpose? These are the two questions addressed in this book ‘Are EU banks safe?’ and its descriptive companion book ‘EU banking supervision’. The full rulebook on banks is difficult to find

PELAKSANAAN SHARIA COMPLIANCE PADA BANK SYARIAH (STUDI KASUS PADA BANK SYARIAH MANDIRI, JAKARTA)

OpenAIRE

Ade Sofyan Mulazid

2016-01-01

The Implementation of Sharia Compliance at Islamic Bank (Case Study on Mandiri Syariah Bank, Jakarta). This study is aimed at finding out the controlling system and the implementation of supervision of compliance of Bank Indonesia (BI) and Sharia Supervisory Board toward the Mandiri Syariah Bank; how is the implementation and its internal audit, what are the roles and responsibilities of the director of compliance for all stakeholders of compliance unit of Bank Syariah Mandiri. Th...

The anatomy of bank performance during transition: A separate efficient frontier analysis of Ukrainian banks

Directory of Open Access Journals (Sweden)

Ihsan Isik

2016-04-01

Full Text Available By drawing on Ukrainian experience, this paper analyzes the anatomy of bank efficiency in a transitional economy. Acknowledging the vast disparities in the business technology of different size banks, in this comprehensive study, we innovatively estimate group-specific (distinct frontiers for small, medium, and large size banks. The results from separate frontiers reveal that Ukrainian banks record 38% technical inefficiency, 26% pure technical inefficiency, and 17% scale inefficiency on average. Apparently, banks in transition waste about the two fifths of their factor inputs during the production of financial services. The cardinal source of sub-performance in transitional banks seems to be managerial inefficiencies. We also found that banks operating in areas with more political influence and more developed infrastructure outperform the banks operating in politically and economically weaker regions. The results also indicate that larger banks, enjoying public trust in a risky business climate, dominate smaller banks in all forms of efficiency. However, such bias for size causes large banks to suffer from decreasing returns to scale and small banks from idle capacity. Consequently, the policies promoting consolidation between small and large banks may alleviate the excess (idle capacity for large (small banks in a transitional economy.

Elements of banking intermediation in the Algerian Banking system and the means to activate it

Directory of Open Access Journals (Sweden)

Habbar Abderezak, Dr.

2014-06-01

Banking intermediation raises several interrelated issues for banks, the central bank and the Treasury. It is linked to the gross domestic product, money supply and bank liquidity, etc. These elements will be examined in this article to learn the elements of bank intermediation in the Algerian banking system and ways of strengthening it.

Developing Modernization Strategy for CORE Banking Systems among Iran’s Commercial Banks (Case Study: One of the Commercial Banks of Iran

Directory of Open Access Journals (Sweden)

Ali Rezaeian

2018-03-01

Full Text Available After more than two decades of the emergence of CORE banking systems in Iran, their inefficiency and lack of accountability to the needs of the banks have become evident. Hence, modernization of CORE banking systems is one of the most serious concerns of the banks' managers. All the customers of the banks can access the services of these systems through online and 7*24 channels such as ATMs, PoS and / or Internet. Even the slightest interruption in the provision of these services can because banks face serious crises; therefore, choosing the right strategy for modernization is of utmost importance. The researcher could identify internal and external factors affecting modernization by distributing a questionnaire among banks' senior managers and experts. Afterwards, we used another questionnaire to identify internal and external factors affecting the target bank. Having formed the matrixes of IFE and EFE and completed the questionnaire, the related strengths, weaknesses, opportunities and threats were identified. Strategies were explained based on SWOT method, then the selected strategies were ranked by weighting of the indices with the help of AHP method using QSPM method. Finally, the strategy with the highest rank was determined as the most appropriate strategy for modernization in the target bank.

BANK GUARANTEES

OpenAIRE

Vasile NEME

2012-01-01

The present study propose the analyse of the irrevocable commitment of a bank entity towards a determined person, through which guarantees a certain legal conduct of its client, and, in case of breach, assumes the payment obligation of a determined amount of money. This kind of legal technique it is called bank guarantee and in the usual business language it is called “Letter of Bank Guarantee”. The determined reason to choose this scientific initiative it is the frequency of this kind of fin...

Adopting Internet Banking in Ghana

OpenAIRE

G.O. Ofori-Dwumfuo; Betty A. Dankwah

2013-01-01

This study looks at the benefits, challenges and barriers in adopting Internet banking at a major bank in Ghana. The development of the Internet is changing the way financial services are provided in Ghana. The Internet banking facility has resulted in new ways of delivering banking services. The research is a case study based on the staffs that has worked with the bank for more than three years. In evaluating benefits, challenges and barriers to the bank in adopting Internet banking, intervi...

Commercial Activity or Banking Competition?

Directory of Open Access Journals (Sweden)

Rose-Marie Pușcaciu

2015-12-01

Full Text Available The study analyzes the competition on the banking market and proposes an overview of debt collection companies through the economic crisis which has profoundly affected the banking sector. Article scroll through the main features of competition on the banking market as well as the domain weaknesses that negatively influenced the banking system performance. Even if there is not a sufficiently transparent and functional legal framework and debt recovery market is not supervised enough, it is among the few markets that increase from year to year. Increasing competition from adjacent companies that compete with banks, namely, a non-banking entity, it is stimulating the banking system which will thus become more constructive. It is estimated, that in terms of customers, there will be no differentiation between the banking industry and non-banking entities that will reshape the Romanian banking system soon. Also, the study aims to highlight the existence of debt collection companies, implicitly, the specific markets, it is only a consequence of excessive, unnecessary and dangerous borrowing from previous years. Avoiding bad loans from banks, a fair competition from banks and from non-banking institutions, in the long term, it will generate a balance in the market and it will support economic growth of Romania.

The role of bank collapse on tidal creek ontogeny: A novel process-based model for bank retreat

Science.gov (United States)

Gong, Zheng; Zhao, Kun; Zhang, Changkuan; Dai, Weiqi; Coco, Giovanni; Zhou, Zeng

2018-06-01

Bank retreat in coastal tidal flats plays a primary role on the planimetric shape of tidal creeks and is commonly driven by both flow-induced bank erosion and gravity-induced bank collapse. However, existing modelling studies largely focus on bank erosion and overlook bank collapse. We build a bank retreat model coupling hydrodynamics, bank erosion and bank collapse. To simulate the process of bank collapse, a stress-deformation model is utilized to calculate the stress variation of bank soil after bank erosion, and the Mohr-Coulomb failure criterion is then applied to evaluate the stability of the tidal creek bank. Results show that the bank failure process can be categorized into three stages, i.e., shear failure at the bank toe (stage I), tensile failure on the bank top (stage II), and sectional cracking from the bank top to the toe (stage III). With only bank erosion, the planimetric shapes of tidal creeks are funneled due to the gradually seaward increasing discharge. In contrast to bank erosion, bank collapse is discontinuous, and the contribution of bank collapse to bank retreat can reach 85%, highlighting that the expansion of tidal creeks can be dominated by bank collapse process. The planimetric shapes of tidal creeks are funneled with a much faster expansion rate when bank collapse is considered. Overall, this study makes a further step toward more physical and realistic simulation of bank retreat in estuarine and coastal settings and the developed bank collapse module can be readily included in other morphodynamic models.

Are Foreign Conventional Banks Capable of Adopting Islamic Banking: A Study to Investigate the Issues and Challenges Faced Foreign Islamic Banks in Malaysia.

OpenAIRE

Muhamed Saeed Baashar, Yahya Abd Elwahab

2010-01-01

Malaysia has witnessed a remarkable growth of Islamic banking industry in the last four decades. It has established its first full-fledged Islamic bank, Bank Islam Malaysia, in 1983. Accordingly, Malaysia is one of the first Islamic countries that place a profound focus on the industry of Islamic banking. The world‟s Islamic banking experiment begun in modern era Egypt - in Mit Ghamr – through the establishment of the Savings Bank first in the 1960s by Dr. Ahmed Al-Najjar. Consequently, the I...

Role of Islamic Banking and Conventional Against Poverty with The Dual Banking System

Directory of Open Access Journals (Sweden)

Iwan Setiawan

2016-12-01

Full Text Available Islamic banking in Indonesia is present in a dual banking system. Islamic banking is expected to contribute more in the process of economic development and improving people’s welfare. The  main  objective of  this  study is  to  analyze the  role  of  financing Islamic banking and conventional banking credit to the improvement of people’s welfare as measured by reductions in poverty. The study was conducted using  the explanatory method, applying the  panel  regression estimation techniques simultaneously with the  Two Stage Least Square  method (TSLS  using  data from the period 1992-2012. Results  of the study reveals that the increased of  financing Islamic banking and conventional banking credit assign roles  to poverty reduction in Indonesia. The role of Islamic banking financing is lower  than conventional bank  credit role  in reducing poverty. In addition to improve financing and credit, changes should be applied in the value  of the instruments of monetary policy, economic growth, unequal distribution  of income and  the depreciation  of the local  currency that contribute towards poverty conditions.

Evolution in banking supervision

OpenAIRE

Edward J. Stevens

2000-01-01

Banking supervision must keep pace with technical innovations in the banking industry. The international Basel Committee on Banking Supervision currently is reviewing public comments on its proposed new method for judging whether a bank maintains enough capital to absorb unexpected losses. This Economic Commentary explains how existing standards became obsolete and describes the new plan.

Perceptions Towards On-line Banking Security: An Empirical Investigation of a Developing Country`s Banking Sector, how secure is On-line Banking

OpenAIRE

Bongani Ngwenya; Khanyisa Malufu

2012-01-01

The increase in computer crime has led to scepticism about themove made by the banks to introduce on-line banking. Someview this as a noble move which has made the banking systemmore efficient, reliable and secure, while others view it as arisky and insecure way of banking. The aim of this study wasto assess whether on-line banking in the developing countriesis secure or not. The researcher chose a descriptive-quantitativeresearch design. Data was collected using a self constructedquestionnai...

Essays on banking and regulation

NARCIS (Netherlands)

Todorov, R.I.

2013-01-01

This thesis consists of three chapters that explore issues related to bank capital, multinational bank supervision, and bank lending in a developing country. The first chapter explores the impact of peer banks on bank capital adjustments. The second chapter evaluates the extent to which distortions

THE APPLICATION OF RISK BASED BANK RATING ON BANKRUPTCY PREDICTION OF BANKS IN INDONESIA

Directory of Open Access Journals (Sweden)

Evi Sistiyarini

2017-04-01

Full Text Available The increase of banking products and services which is more complex will increase the risk to the banks. Therefore, to anticipate the rise of financial difficulties in a bank, the early warning system. This study aimed to find the influence RBBR (Risk Based Bank Rating ratio’s to predict bankruptcy of conventional Banks in Indonesia. Ratio of RBBR consisted of risk profile, Good Corporate Governance, profitability and capital. Independent variables used were NPL, PDN, LDR, GCG, ROA and NIM, and CAR. Dependent variable was bank bankruptcy using dummy variable. The population of this study was all of the conventional banks in Indonesia. The data was a secondary data taken form financial report of conventional bank 2011-2015. Technical sampling used was a purposive sampling method with some criteria. The analysis of this study used logistic regression.The result of the study showed that NPL, PDN, LDR, GCG, ROA and NIM, and CARhad no significant influence to bankruptcy of the bank.

Operational Efficiency of Bank Loans and Deposits: A Case Study of Vietnamese Banking System

Directory of Open Access Journals (Sweden)

Tram Nguyen

2018-01-01

Full Text Available This paper examines whether there is a causal relationship between bank loans and deposits in the Vietnamese banking system and the efficiency of the use of loans and deposits by the Vietnamese banks. In a country such as Vietnam, where inter-bank money markets are relatively underdeveloped, one would expect a reasonably strong relationship between deposits and loans. A pooled cross-sectional sample of financial ratios is collected from annual reports of 44 Vietnamese banks covering the period 2008–2015. The explanatory power of instrumental variables in relation to the endogenous variables is tested. A deterministic frontier model based on corrected ordinary least squares, estimated by three-stage least squares on a simultaneous equations model, is employed to derive the frontiers for the sampled banks as well as to estimate the causality between bank loans and deposits. Our findings suggest that, in an underdeveloped banking system such as Vietnam, bank deposits have a positive and significant impact on bank loans, but the reverse relationship is not significant. It is further suggested that in deposit-taking and loan-creating activities, Vietnamese banks performed moderately well over the period examined; however, in the near future, they should start to focus more on deposit-taking activities.

12 CFR 7.1003 - Money lent at banking offices or at other than banking offices.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Money lent at banking offices or at other than banking offices. 7.1003 Section 7.1003 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE... without violating 12 U.S.C. 36, 12 U.S.C. 81 and 12 CFR 5.30, provided that a third party is used to...

Effects of Ecohydraulic Bank Stabilization Structures on Bank Stability and Macroinvertebrate Community in Surabaya River

Directory of Open Access Journals (Sweden)

Daru Setyo Rini

2018-01-01

Full Text Available There were 18 accelerated erosion sites identified along 7 km of Surabaya River Fishery Sanctuary Area. A model of ecohydraulic bank stabilization was applied to reduce bank erosion in Surabaya River at Gresik Regency Indonesia. The model is combination of reprofiled and revegetated bank with rock toe reinforcement and  addition of log groynes. Various native plant species were planted and naturally grown to establish multi-strata littoral vegetation structure. This study assessed effects of ecohydraulic bank stabilization on bank morphology, near bank velocity and littoral macroinvertebrate community during September 2014 to August 2016. The study found that rock toe enforcement, log groynes and reprofiled bank slope could stabilized the eroded bank, and littoral vegetation formation reduced near bank velocity at restored sites. There were 31 families of macroinvertebrate found in Surabaya River with high abundance of moderately pollution sensitive taxa Atyidae and pollution tolerant taxa Corixidae, Chironomidae and Tubificidae. The taxa richness, diversity index and abundance of sensitive and moderately sensitive macroinvertebrate group were increased after application of ecohydraulic bank stabilization at restored area. The results shown that ecohydraulic bank stabilization structure provides multi-benefits in improving bank stabilization against erosion and providing new micro-habitats for biotic community. Keywords:  ecohydraulic bank stabilization, macroinvertebrates, riparian restoration

12 CFR 987.7 - Liability of Banks, Finance Board, Office of Finance and Federal Reserve Banks.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Liability of Banks, Finance Board, Office of Finance and Federal Reserve Banks. 987.7 Section 987.7 Banks and Banking FEDERAL HOUSING FINANCE BOARD OFFICE OF FINANCE BOOK-ENTRY PROCEDURE FOR CONSOLIDATED OBLIGATIONS § 987.7 Liability of Banks, Finance Board, Office of Finance and Federal Reserve...

Penilaian Tingkat Kesehatan Bank Dengan Menggunakan Pendekatan Risiko (Risk-Based Bank Rating

Directory of Open Access Journals (Sweden)

Masnawati .

2016-04-01

Full Text Available This  study  aimed  to  analyze  techniques  of  the  bank’s  health  assessment  and determine  which  strategies  should  be  done  in  order  to  improve  the  health  of the bank. The method used is the approach of Risk (Risk Based-Bank Rating in accordance with Bank Indonesia Regulation on Rating Bank that PBI Number: 13/1/PBI/2011  which  entered  into  force  on  January  1,  2012.  Bank  health assessment  performed  using  four  (4  factors:  Risk  Profile,  Good  Corporate Governance (GCG, Earning, and Capital. Object  of  this  study  is  PT.  Bank  Pembangunan  Daerah  Kalimantan  Selatan period  2012.  The  results  showed  that  the  health  of  banks  in  PT.  Bank Pembangunan  Daerah  Kalimantan  Selatan  getting  ranked  2,  meaning  can be  categorized  good.  Strategies  to  improve  the  health  value  of  a  bank  is  to improve aspects of Earnings and Capital. Strategis Steps that must to increase credit expansion, improve the quality and quantity of human resources, product innovation, and increase fee-based income. Keywords: Healthy  banks,  Risk  Profile,  Good  Corporate  Governance  (GCG,  Earnings, Capital

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

OpenAIRE

liu, luke

2012-01-01

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

Croatian banking sector research: relationship between ownership structure, concentration, owners’ type and bank performance

Directory of Open Access Journals (Sweden)

Igor Tomičić

2012-12-01

Full Text Available Banks are important financial intermediaries of any national economy, and corporate governance has an important role in banking sector; especially due to processes of the globalization and the internationalization, and also because of the sensitivity of the activities between the interest groups. The objective of this paper is to examine the relationship between ownership structure, concentration, owners’ type and bank performance. The authors made a research of banks' ownership structure using publicly available data. Using statistical tools authors discovered relationships between bank ownership structure and bank performance indicators (average asset, total asset, average equity, profit (loss before taxes, profit (loss after taxes, ROAA, ROAE. Further they discuss the relationships between ownership structure and a number of consequences for the bank performance. The authors discovered significant correlation between bank ownership structure and performance indicators variables that are described in the paper.

REFORMING THE EUROPEAN FINANCIAL AND BANKING ARCHITECTURE IN THE CRISIS CONTEXT. THE BANKING UNION CONCEPT

Directory of Open Access Journals (Sweden)

Magdalena, RADULESCU

2014-11-01

Full Text Available Deep financial crisis which started in 2007 proved to be extremely contagious affecting the financial and banking EU system. Achieving an integrated banking market is the main component of the European policy in the financial-banking services area. The latest developments underlined that the difficulties faced by the banks can negatively impact on the entire financial stability of the member states. That's why, the European Central Bank will be entitled to supervise any bank of the euro area, especially the ones that benefit of public support. Reforming the financial and banking system must be shaped in the frame of insuring some durable national finances, of an urgent recapitalizing of the banks that need that and of elaborating some common fiscal and financial and banking regulations effective in the eurozone.

Bringing the Great American Solar Eclipse to West Virginia

Science.gov (United States)

Keesee, A. M.; Williamson, K.; Robertson-Honecker, J.

2017-12-01

West Virginia experienced up to 90% coverage during the Great American Solar Eclipse on August 21st. To reach the greatest number of West Virginians, we targeted educators and the 4-H program to provide those community leaders with the tools to help students learn about and safely view the eclipse. We developed a website that consolodated relevant eclipse activities, fact sheets, and outreach videos to train educators and others in the public about the science of the eclipse and how to view a partial eclipse safely. The 4-H Summer Experiement used at all 4-H summer camps and events was designed to focus on the eclipse. We distributed over 20,000 custom designed eclipse glasses. These were distributed to teachers through an online request system and to 4-H members involved in summer activities. We hosted a pre-eclipse event on the campus of West Virginia University for the public to learn about the science of the eclipse, relevant research being conducted at the university, and provide tips for safe viewing. Student volunteers were available on campus during the day of the eclipse to hand out glasses and answer questions. We will present the results of our outreach and events as well as lessons learned for the 2024 eclipse. Support for this project was provided by the WVU Department of Physics and Astronomy, WVU Extension, the WV Space Grant Consortium, a WVU internal grant, the Green Bank Observatory, and individual supporters of a crowdfunding campaign.

40 CFR 91.205 - Banking.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 20 2010-07-01 2010-07-01 false Banking. 91.205 Section 91.205... EMISSIONS FROM MARINE SPARK-IGNITION ENGINES Averaging, Banking, and Trading Provisions § 91.205 Banking. (a... banking. (i) For outboard engines in model year (MY) 1997, a manufacturer may bank positive emission...

Greece and the Missing Banking Union

DEFF Research Database (Denmark)

N. Gordon, Jeffery; Ringe, Georg

2015-01-01

The Greek Crisis is a crisis rather than a problem due to the vulnerability of Greek banks. While the banks have deep problems, this column argues that these would have been mitigated if a fully operational banking union were in place. A full banking union requires joint banking supervision, join...... bank resolution, and joint deposit insurance. The EZ only has the first so far. Completing the banking union must be part of any long-term solution.......The Greek Crisis is a crisis rather than a problem due to the vulnerability of Greek banks. While the banks have deep problems, this column argues that these would have been mitigated if a fully operational banking union were in place. A full banking union requires joint banking supervision, joint...

Universal banking and the Nigerian banking sector | Osamwonyi ...

African Journals Online (AJOL)

In this study we propose that there is a positive relationship between the variables (growth, effective customer service, size of a bank) and universal banking in Nigeria. In support of this proposition, we employed empirical evidence in the investigation. From the result, it was discovered that the size (net assets and market ...

Industries and the bank lending effects of bank credit demand and monetary policy in Germany

NARCIS (Netherlands)

Raabe, K.; Arnold, I.J.M.; Kool, C.J.M.

2006-01-01

This paper presents evidence on the industry effects of bank lending in Germany and asks whether bank lending to single industries depends on industry-specific bank credit demand or on monetary policy as determinant of bank credit supply. To this end, we estimate individual bank lending functions

Financial performance after the Spanish banking reforms: A comparative study of 19 commercial banks

Directory of Open Access Journals (Sweden)

Pison F. Irene

2014-06-01

Full Text Available A diagnostic review of the Spanish financial system during the 2008 financial crisis reveals the emergency need for banking reform in the sector. In an attempt to evaluate the impact of the Spanish reform, the present study examines the bank´s performance before/after the reform was adopted, using data of 19 Spanish commercial banks extracted from the Global Vantage research database (Standard and Poor’s over the period 2006 to 2013. This study uses multivariable regression method to investigate the impact of the CAMELS rating system: capital adequacy, asset quality, management quality, liquidity and sensitivity to market risks on the bank´s performance such as earnings efficiency. The time-line of the study is essential because it helps us to determine the financial performance of Spanish commercial banks before the banking reforms during the financial crisis and an important set in terms of mergers and acquisition in the banking industry. The empirical results have found strong and positive evidence that Capital Adequacy, Management Capacity, Liquidity and Sensitivity to Market Risk are useful predictors of banks performance (earnings efficiency, thus, any reform pilot toward this banking indicators will eventually have a positive impact on banking performance. Base on the present study, the Spanish reform was so vital for better banking performance. Therefore, this study serves not only to academics but also to policy makers

Perbandingan NPL, LDR, CAR, ROA, dan BOPO Antara Bank BNI Dan Bank BUMN Lain

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Tri Wahyuningsih

2016-09-01

Full Text Available This study aims to analyze the differences in financial performance of Bank BNI and other BUMN Banks by the measuring the ratio of Non Performing Loan (NPL, Loan to Deposit Ratio (LDR, Adecuacy Capital Ratio (CAR, Return on Assets (ROA and BOPO. The study was conducted by using descriptive analysis method. The results of this study explained that the performance NPL, LDR, and Bank BNI's CAR on average during the past eight semesters was still better than BUMN Banks on average, while the performance of ROA and BOPO remained below the average Revenues and Operating Expenses of Operational Income of  Bank BUMN. The results also showed that all BUMN banks still showed good and healthy performance and in accordance with the provisions set by Bank Indonesia. This study also presented the strategy undertaken by Bank BNI to improve its financial performance, that is, the business synergy of all units unit, growth in good-quality assets, optimization of the customer engagement, strengthening the network and develop alliances, optimization of existing resources and simplification of processes, and enhancing customer experiences through improving processes and business models to  digital banking. Keywords: Non-Performing Loans, Loan to Deposit Ratio, Capital Adequacy Ratio, Return on Assets, Revenues and Operating Expenses of Operational Income, Bank BNI, Bank BUMN.

BANKING SUPERVISION IN EUROPEAN UNION

OpenAIRE

Lavinia Mihaela GUȚU; Vasile ILIE

2013-01-01

The need for prudential supervision imposed to banks by law arises from the action that banking market’s basic factors have. Therefore, it is about banks’ role in economy. The normal functioning of banks in all their important duties maintains the stability of banking system. Further, the stability of the entire economy depends on the stability of the banking system. Under conditions of imbalance regarding treasury or liquidity, banks are faced with unmanageable crisis and the consequences ca...

Modern bank's credit risk

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Šabović Šerif

2015-01-01

Full Text Available Credit risk is the most important risk banks have to face with. It occurs due to an obligation created because of debtors' capital and interest rate nonpayment. Debtors obligations non-fulfilment may lead to great losses and insolvency in bank's business. Credit risk is the crucial reason of bank's insolvency. Over 80% of bank's balance sheet is exposed to credit risk.

NEA data bank

International Nuclear Information System (INIS)

1983-01-01

This paper is an introduction to the NEA data bank. The essential programs and data for nuclear energy calculations are available from the Data Bank. The Data Bank's role, in co-operation with other centers, is to protect the technological capital represented by the programs and data in its collection, which is unique in covering nearly the whole field of reactor physics at a single center (Saclay). The compilation and exchange of experimental and evaluated neutron and other nuclear data is carried out through a world-wide information network. The tasks now assigned to the Data Bank are in the areas of computer program packaging, neutron data compilation, assembly and benchmark testing of the Joint Evaluated File (JEF) of neutron cross-section data, and servicing the NEA scientific committees, as well as providing a computer service to the main NEA secretariat. In all areas the emphasis is on developing a ''value added'' element to the incoming data or computer codes, by validation documentation and presentation of information in a convenient standard form. The services offered by the Data Bank and the computers used by the Data Bank are presented

Performance Based Islamic Performance Index (Study on the Bank Muamalat Indonesia and Bank Syariah Mandiri

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Siti Aisjah

2015-09-01

Full Text Available The development of Islamic base banks in Indonesia in recent years show rapid growth. The main challenge for Islamic base banks is how to raise belief from the stakeholders. Stakeholder expectations of the Islamic banks is different from a conventional bank. Since, Islamic banks are built on basic principles of Islamic economics. Therefore, we need a tool to evaluate and measure the performance of Islamic base banks. Islamicity Performance Index is a method which can evaluate the performance of Islamic base banks not only their financial but also justice principles, halal (lawfulness, and tazkiyah (sanctification. There are six financial ratios which are measured from Islamicity Performance Index:profit sharing ratio, zakat performance ratio, equitable distribution ratio, directors-employees welfare ratio, Islamic investment versus non-Islamic investment ratio, Islamic income versus non-Islamic income. This research is intended to figure out the performance of Islamic base Bank in Indonesia based on Islamicity Performance Index. The samples are the Bank Muamalat Indonesia and Bank Syariah Mandiri. Sources of data are the financial reports of Bank Muamalat Indonesia and Bank Syariah Mandiri in 2009–2010 period.The results show that the financial performance of Islamic Base Bank in Indonesia during 2009-2010 period have ”quite satisfactory level of  valuation. However, there are two unsatisfactory ratios. They are zakat performance ratio and director-employee welfare contrast ratio. It shows that zakat issued by the Islamic base bank in Indonesia is still low and the contrast of the director-employee welfare is still huge.

Analisis Perbandingan Kinerja Keuangan Bank Swasta Nasional Dan Bank Pemerintah Yang Terdaftar Di Bursa Efek Indonesia (Bei

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Sri Hastuti

2011-10-01

Full Text Available Performance or performance of bank is the image of reached achievement in banking operational in all aspect, covering monetary management of bank and ability of bank’s assets had to yield profit efficiently, so bank can stay and compete in the middle of inflation distortion and policy of Bank Indonesia, hence the bank had to have up to standard performance or performance - condition health of bank determined by Bank Indonesia. This research aim to analyse and prove the difference flattens which isn't it in monetary performance Private National Bank and State Bank pursuant to ratioes of CAMEL. Sampel the used to amount to 12 banks, consist of 9 Private National Bank and 3 taken State Bank pursuant to Purposive Sampling with criterion enlist in Indonesia Stock Exchange (BEI, routine deliver financial statement, period of year 2005-2007.

ANTESEDEN ATTITUDE TOWARDS M-BANKING DAN DAMPAKNYA TERHADAP BEHAVIORAL INTENTION TO ADOPT M-BANKING

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Titon Adrinanto

2016-02-01

Full Text Available The background of this research was m­banking users in Indonesia is still low despite the mobile phone users in developed and developing countries in the world has increased rapidly since 21st century. Some bank companies in Indonesia has been offering m­banking service but the use of m­banking for financial transaction is still low and limited. The objectives of this research was to analyze the antecedents of attitude towards m­banking and its impact on behavioral intention to adopt m­banking. The design of this research applies hypothesis testing. 200 samples selected from prospective user of 3 government bank. The sampling technique was purposive sampling with cross­sectional study. Data analysis used in this research was collected by questionnaire technique with item of statements for each variable. In order to obtain valid and reliable instrument tool, validity and reliability test has been done. The result of this research conclude that there is positive effect perceived usefulness, perceived ease of use, perceived competence, perceived communication, perceived privacy and security, society influence, and facilitating condition on attitude towards m­banking. This study supports that there is positive influence on attitude towards m­banking on behavioral intention to adopt m­banking.

Genetic Characterization of Fasciola Isolates from West Azerbaijan Province Iran Based on ITS1 and ITS2 Sequence of Ribosomal DNA

Science.gov (United States)

GALAVANI, Hossein; GHOLIZADEH, Saber; HAZRATI TAPPEH, Khosrow

2016-01-01

Background: Fascioliasis, caused by Fasciola hepatica and F. gigantica, has medical and economic importance in the world. Molecular approaches comparing traditional methods using for identification and characterization of Fasciola spp. are precise and reliable. The aims of current study were molecular characterization of Fasciola spp. in West Azerbaijan Province, Iran and then comparative analysis of them using GenBank sequences. Methods: A total number of 580 isolates were collected from different hosts in five cities of West Azerbaijan Province, in 2014 from 90 slaughtered cattle (n=50) and sheep (n=40). After morphological identification and DNA extraction, designing specific primer were used to amplification of ITS1, 5.8s and ITS2 regions, 50 samples were conducted to sequence, randomly. Result: Using morphometric characters 99.14% and 0.86% of isolates identified as F. hepatica and F. gigantica, respectively. PCR amplification of 1081 bp fragment and sequencing result showed 100% similarity with F. hepatica in ITS1 (428 bp), 5.8s (158 bp), and ITS2 (366 bp) regions. Sequence comparison among current study sequences and GenBank data showed 98% identity with 11 nucleotide mismatches. However, in phylogenetic tree F. hepatica sequences of West Azerbaijan Province, Iran, were in a close relationship with Iranian, Asian, and African isolates. Conclusions: Only F. hepatica species is distributed among sheep and cattle in West Azerbaijan Province Iran. However, 5 and 6 bp variation in ITS1 and ITS2 regions, respectively, is not enough to separate of Fasciola spp. Therefore, more studies are essential for designing new molecular markers to correct species identification. PMID:27095969

Correlation between the Palaeozoic structures from West Iberian and Grand Banks margins using inversion of magnetic anomalies

Science.gov (United States)

Silva, Elsa A.; Miranda, J. M.; Luis, J. F.; Galdeano, A.

2000-05-01

The Ibero-Armorican Arc (IAA) is a huge geological structure of Pre-Cambrian origin, tightened during hercynian times and deeply affected by the opening of the Atlantic Ocean and the Bay of Biscay. Its remnants now lie in Iberia, north-western France and the Canadian Grand Banks margins. The qualitative correlation between these three blocks has been attempted by several authors (e.g. Lefort, J.P., 1980. Un 'Fit' structural de l'Atlantique Nord: arguments geologiques pour correler les marqueurs geophysiques reconnus sur les deux marges. Mar. Geol. 37, 355-369; Lefort, J.P., 1983. A new geophysical criterion to correlate the Acadian and Hercynian orogenies of Western Europe and Eastern America. Mem. Geol. Soc. Am. 158, 3-18; Galdeano, A., Miranda, J.M., Matte, P., Mouge, P., Rossignol, C., 1990. Aeromagnetic data: A tool for studying the Variscan arc of Western Europe and its correlation with transatlantic structures. Tectonophysics 177, 293-305) using magnetic anomalies, mainly because they seem to preserve the hercynian zonation, in spite of the strong thermal and mechanical processes that took place during rifting and ocean spreading. In this paper, we present a new contribution to the study of the IAA structure based on the processing of a compilation of magnetic data from Iberia and Grand Banks margins. To interpret the magnetic signature, a Fourier-domain-based inversion technique was applied, considering a layer with a constant thickness of 10 km, and taking into account only the induced field. The digital terrain model was derived from ETOPO5 (ETOPO5, 1986. Relief map of the earth's surface. EOS 67, 121) and TerrainBase (TerrainBase, 1995. In: Row III, L.W., Hastings, D.A., Dunbar, P.K. (Eds.), Worldwide Digital Terrain Data, Documentation Manual, CD-ROM Release 1.0. GEODAS-NGDC Key to Geophysical Records. Documentation N. 30, April) databases. The pseudo-susceptibility distribution obtained was repositioned for the 156.5 Ma epoch, using the Srivastava and