Towards Open Knowledge : The State of World Bank Knowledge Services

OpenAIRE

World Bank

2011-01-01

This first World Bank Knowledge Report launches what is intended as a series of World Bank Knowledge Reports. Although knowledge is a fundamental to the Bank s overall mission, and informs all of the Bank s development activities, it has not received the same degree of attention from management that has been accorded to its lending activities. By paying attention to knowledge work as a dis...

Minding the gap: World Bank's assistance to power shortage mitigation in the developing world

Energy Technology Data Exchange (ETDEWEB)

Heffner, G.; Maurer, L.; Sarkar, A.; Wang, X. [The World Bank, 1818 H Street, NW, Washington DC 20433 (United States)

2010-04-15

This paper describes the World Bank's technical assistance and lending efforts in support of developing countries facing power shortages. The paper reviews the World Bank's experience in helping governments to mitigate power shortages in Africa, South Asia, East Asia, and Latin America regions. The paper stresses the need to consider each power ''crunch'' on an individual basis, and describes the process used in diagnosing a shortage situation and prescribing mitigation strategies. Several brief case studies are presented, including Botswana, Brazil, Uganda, and South Africa. The political and customer-centric dimensions of power shortage mitigation are briefly described, with suggestions for minimizing the socio-economic impacts of power shortages on the urban and rural poors. The paper concludes that an integrated supply-demand portfolio approach works best, and within the portfolio a mix of market-based rationing, emergency mobilization of customer-owned generation, interruptible rates, load control, and energy efficient lighting should be sought. Although the best formulation will vary according to market structure, demand composition, and nature of the crisis, World Bank practitioners have found one program that works almost everywhere to produce fast and effective results - mass market Compact Fluorescent Lamp (CFL) replacement programs. (author)

The World Bank's innovation market.

Science.gov (United States)

Wood, Robert Chapman; Hamel, Gary

2002-11-01

Large, tradition-bound organizations can make space for radical, low-cost (and therefore low-risk) innovations. Just ask executives at the World Bank. The story of this best practice begins in 1998, when a young new-products group at the international funding agency proposed holding an Innovation Marketplace to capture novel ideas within the Bank for alleviating poverty. The forum, which eventually was opened to external participants, let people informally present their antipoverty ideas to potential funding sources. Funders could move among hundreds of booths and evaluate proposals for, say, a program that would provide postdisaster reconstruction insurance in developing countries or a vaccination development initiative. The marketplace truncated the Bank's standard project-review processes, which often stretched to a year or more, and gave funders permission to make commitments in the tens of thousands of dollars, rather than in the tens of millions more typical of Bank-financed projects. The marketplace concept met with some skepticism at the beginning. Some senior executives at the Bank felt no group had the right to spend the agency's money without following its well-established resource allocations process. But the marketplace team believed an open process for allocating grants would produce more breakthrough ideas in the long run than a centralized one. In this article, the authors describe how the new-products team brainstormed to create a market for ideas, how it got senior management's support, and how it has expanded on the original concept for these innovation marketplaces. The program's success, they contend, offers hope both for the world's poor and for business leaders looking to find new ideas under the hard crust of corporate dogma, conformance, and bureaucracy.

Daniel Stufflebeam and The World Bank.

Science.gov (United States)

Russon, Craig; Russon, Karen

2018-04-01

Circa 2000 when The Evaluation Center on the campus of Western Michigan University was undergoing a renovation, staff were encouraged to clean out their filing cabinets. One of the authors rescued two manila files from the garbage dealing with a presentation that Daniel Stufflebeam made to The World Bank on 13 December 1993 and a subsequent World Bank conference on evaluation and development in which he participated 5-6 December 1994. In these documents, Dan set out some of his early thinking on international evaluation and other topics. The authors used these materials to write a tribute article to Dan publishing some of these ideas for the historical record. Copyright © 2018 Elsevier Ltd. All rights reserved.

Determinants of Banking System Fragility : A Regional Perspective

NARCIS (Netherlands)

Degryse, H.A.; Elahi, M.A.; Penas, M.F.

2012-01-01

Abstract: Banking systems are fragile not only within one country but also within and across regions. We study the role of regional banking system characteristics for regional banking system fragility. We find that regional banking system fragility reduces when banks in the region jointly hold more

Reflective Practice: How the World Bank Explored Its Own Biases?

Science.gov (United States)

McKee, Martin; Stuckler, David

2015-12-10

While many international organisations have independent evaluations, including the International Monetary Fund (IMF) and World Health organization (WHO), uniquely the World Bank in its 2015 World Development Report sought to ascertain the potential biases that influence how its staff interpret evidence and influence policy. Here, we describe the World Bank's study design, including experiments to ascertain the impact on Bank staff's judgements of complexity, confirmation bias, sunk cost bias, and an understanding of the wishes of those whom they seek to help. We then review the Bank's proposed mechanisms to minimise the impact of the biases they identified. We argue that this approach, that we refer to as 'reflective practice,' deserves to be adopted more widely among institutions that seek to use evidence from research to inform policy and practice. © 2016 by Kerman University of Medical Sciences.

The World Bank | CRDI - Centre de recherches pour le ...

International Development Research Centre (IDRC) Digital Library (Canada)

Accueil · Ce que nous faisons · Nos partenaires et initiatives. The World Bank. The World Bank. http://www.worldbank.org/ · Ce que nous faisons · Financement · Ressources · À propos du CRDI. Savoir. Innovation. Solutions. Carrières · Communiquez avec nous · Plan du site. Abonnez-vous à notre bulletin pour recevoir les ...

Oil and gas financing by the World Bank

International Nuclear Information System (INIS)

Razavi, Hossein

1995-01-01

The World Bank has developed a flexible oil and gas programme that is structured to meet the changing needs of the sector as they arise. The Bank became prominent in the oil and gas sector after the oil crises of the 1970s, when it began assisting client countries in developing their indigenous energy resources. At the beginning, Bank lending concentrated on exploration and development of hydrocarbon resources where the level of lending expanded to US$1 billion in 1983. This rapid expansion caused some concern that Bank activities might preempt those of the private sector. In response, the Bank imposed in 1984 strict limitations on petroleum exploration and oil production lending. In combination with the perception that future oil demand would be weak, this caused the lending programme to fall off sharply (to US$300 million by 1986). By 1990, the Bank was again moving actively into hydrocarbon sector lending, but then the emphasis was on promoting private sector development and supporting the development of natural gas as a substitute for coal and oil. Bank lending to the sector has been on the increase since 1990; a lending level of about US$1 billion yearly is expected for the second half of the 1990s. In addition to its direct lending, the World Bank facilitates contributions by other financiers through its cofinancing and risk mitigation arrangements. (author)

A perspective from the World Bank

Directory of Open Access Journals (Sweden)

Joanna de Berry

2016-05-01

Full Text Available The World Bank brings distinctive qualities to the role it can play in furthering the humanitarian to development transition and is significantly scaling up its engagement on forced displacement.

Correlates of Success in World Bank Development Policy Lending

OpenAIRE

Moll, Peter; Geli, Patricia; Saavedra, Pablo

2015-01-01

This paper examines the correlates of success of development policy lending operations of the World Bank between 2004 and 2012. The paper uses a data set constructed of individual loan characteristics and ex-post loan ratings produced by the World Bank's Independent Evaluation Group. Departing from the related literature, the paper focuses mostly on examining the impact of loan characteris...

The world bank and the environment, exercise 1992. Annual report

International Nuclear Information System (INIS)

1992-01-01

The report describes the Bank's activities in assisting countries with environmental management, such as programs to reduce poverty without exhausting natural resources. Included are assessments of the environmental impacts of projects supported by World Bank loans, and accounts of efforts to meet global environmental challenges with coordinated international action through the Global Environment Facility (GEF). Among the events in the period covered by the report are the affirmation of the World Bank's participation with United Nations organizations in the GEF and the Bank's administration of pilot programs aimed at finding solutions to such global environmental problems as pollution of international waters, global warming, depletion of the Earth's ozone layer, and dwindling biological diversity; the United Nations Conference on Environment and Development; and the publication of the World Development Report 1992, with its theme of development and the environment

Post-crisis asymmetries of the world market development of banking services

Directory of Open Access Journals (Sweden)

Vladyslav Тіpanov

2011-09-01

Full Text Available In the article there were analyzed theoretical backgrounds for defining the concept «banking service» by scientists from different countries: considered its main characteristics and classification, determined the key peculiarities of the world market functioning of banking services and its structure, found out the present-day developments of the world market of banking services under conditions of post-crisis period.

Forest sector: A world bank policy paper

International Nuclear Information System (INIS)

1992-01-01

Forests are the most extensive terrestrial ecosystem, and nearly 500 million people depend on forests for their livelihood. Since the World Bank issued its forestry sector policy paper in 1978, there has been growing concern about the accelerated rate of destruction of the remaining primary forests in various parts of the world. The policy paper identifies two key challenges: to slow the alarmingly rapid rates of deforestation, especially (although not exclusively) in the tropical moist forests, and to ensure adequate planting of new trees to meet the rapidly growing demand for fuelwood in developing countries. The Bank intends to move vigorously to promote the conservation of natural forests and the sustainable development of managed forestry resources

Forest sector: A World Bank policy paper

International Nuclear Information System (INIS)

1992-01-01

Forests are the most extensive terrestrial ecosystem, and nearly 500 million people depend on forests for their livelihood. Since the World Bank issued its forestry sector policy paper in 1978, there has been growing concern about the accelerated rate of destruction of the remaining primary forests in various parts of the world. The policy paper identifies two key challenges: to slow the alarmingly rapid rates of deforestation, especially (although not exclusively) in the tropical moist forests, and to ensure adequate planting of new trees to meet the rapidly growing demand for fuelwood in developing countries. The Bank intends to move vigorously to promote the conservation of natural forests and the sustainable development of managed forestry resources

World Bank policy research : a historical overview

OpenAIRE

Dethier, Jean-Jacques

2009-01-01

The World Bank is a leading intellectual institution on development. It is a world leader in analytical studies in areas including poverty measurement, delivery of social services, impact evaluation, measurement of development outcomes, international trade and migration. It is also a leader in development data, including the Living Standard Measurement Surveys; the enterprise surveys, and...

World bank's role in the electric power sector: Policies for effective institutional, regulatory, and financial reform. World Bank policy paper

International Nuclear Information System (INIS)

1993-01-01

The policy paper is based on the World Bank Industry and Energy Department's ongoing policy and research work, which (1) examines experiences of industrial countries and the Bank's borrowers in developing their power sectors, (2) analyzes issues facing these sectors, and (3) describes options for dealing with these issues in developing countries. The paper is supported by a large body of research

The World Bank's financial support to the petroleum sector in developing countries

International Nuclear Information System (INIS)

Mayorga-Alba, E.; Smith, S.

1996-01-01

This paper presents the World Bank Group's role in the petroleum sector of developing countries. It addresses separately the role of the International Bank for Reconstruction and Development (IBRD), the International Finance Corporation (IFC) and the Multilateral Investment Guarantee Agency (MIGA) in the upstream, downstream, and natural gas subsectors. Using specific examples, it describes the World Bank's role in promotion exercises, infrastructure projects, policy reform, mobilization of the private sector, and provision of political risk insurance. Considering that bank lending in the hydrocarbon sector meets only about 1 % of the industry's capital requirements, the paper argues that the World Bank Group is best suited to use its unique resources to catalyze private sector investment and to provide an environment conducive to market-driven development. 4 refs

The World Banks' BioCarbon Fund

Energy Technology Data Exchange (ETDEWEB)

Noble, I.

2003-03-01

In November 2002 the World Bank launched the BioCarbon Fund, a public/private initiative to provide finance to projects that store carbon in vegetation and soils ('sinks') while helping to reverse land degradation, conserve biodiversity and improve the livelihoods of local communities. The Fund will seek projects to sequester or conserve carbon in non-Annex I countries and in countries in transition. Sinks may be the only option for poor nations with small energy to benefit from the carbon finance business. The Fund will include a portion of assets based on reductions in emissions such as substitution of biofuels for fossil fuels. The author Ian Noble of the World Bank, is chairman of the BioCarbon Fund Technical Advisory Committee.

Healthy development: the World Bank strategy for health, nutrition, and population results

National Research Council Canada - National Science Library

2007-01-01

... the views of the Executive Directors of the International Bank for Reconstruction and Development/The World Bank or the governments they represent. The World Bank does not guarantee the accuracy of the data included in this work. The boundaries, colors, denominations, and other information shown on any map in this work do not imply any judgement on th...

Vocational Education and Training: A Major Shift in World Bank Policy.

Science.gov (United States)

Foster, Phillip

1992-01-01

Comments on the World Bank's policy paper on vocational and technical education and training. Argues that past failures in establishing effective vocational and technical education were a result of not applying conventional neoclassical economic theory. Asserts that the World Bank's policy paper corrects this approach. (CFR)

WORLD BANK: Status of Grievance Process Reform

National Research Council Canada - National Science Library

1999-01-01

In June 1998, in response, to concerns about the fairness of its employee grievance process and as part of a broader effort to reform its human resource policies, the World Bank appointed an internal...

The World Bank's "Employing Workers" index

DEFF Research Database (Denmark)

Lee, Sangheon; McCann, Deirdre; Torm, Nina Elisabeth

2008-01-01

This note provides an update on the ongoing debate over the World Bank's Doing Business project with a particular focus on its "Employing Workers" index, which is intended to measure difficulty of hiring, rigidity of working hours and difficulty of firing. The authors review the findings of studi...

Education in Asia: A Comparative Study of Cost and Financing. World Bank Regional and Sectoral Studies.

Science.gov (United States)

Tan, Jee-Peng; Mingat, Alain

Data analyzed in this study are drawn from varied sources including documents provided by governments in the context of the World Bank's operational activity. The data on a basic set of indicators were assembled for a core of 11 Asian countries (Bangladesh, China, India, Indonesia, Korea, Malaysia, Nepal, Papua New Guinea, the Philippines, Sri…

An evaluation of the feedback loops in the poverty focus of world bank operations.

Science.gov (United States)

Fardoust, Shahrokh; Kanbur, Ravi; Luo, Xubei; Sundberg, Mark

2018-04-01

The World Bank Group in 2013 made the elimination of extreme poverty by 2030 a central institutional focus and purpose. This paper, based on an evaluation conducted by the Independent Evaluation Group of the World Bank Group, examines how, and how well, the Bank uses feedback loops to enhance the poverty focus of its operations. Feedback loops are important for every element of the results chain running from data, to diagnostics, to strategy formulation and finally to strategy implementation. The evaluation uses a range of instruments, including surveys of stakeholders and World Bank staff, focus group meetings, country case studies and systematic reviews of Bank lending and non-lending operations. We find that while the Bank generates useful information on poverty reduction from its projects and programs, the feedback loops - from outcomes to data analysis to diagnostics to strategy formulation and implementation - have generally been weak, with sizable variation across countries. Copyright © 2017 The World Bank. Published by Elsevier Ltd.. All rights reserved.

Data for Development : An Evaluation of World Bank Support for Data and Statistical Capacity

OpenAIRE

Independent Evaluation Group

2017-01-01

This evaluation’s objective was to assess how effectively the World Bank has supported development data production, sharing, and use, and to suggest ways to improve its approach. This evaluation defines development data as data produced by country systems, the World Bank, or third parties on countries’ social, economic, and environmental issues. At the global level, the World Bank has a st...

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

Directory of Open Access Journals (Sweden)

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.

Knowledge sharing at the World Bank

International Nuclear Information System (INIS)

Denning, S.

2004-01-01

The World Bank is thus one of many organizations that have recognized that knowledge sharing is a central driver of the 21st century economy. The World Bank experience replicates what has been learned in many organizations that have attempted to implement an organization-wide program over the last eight years. Here are ten main features of that experience. 1. Knowledge sharing requires seven basic elements: strategy of knowledge management; organizing for knowledge management; budget of knowledge management; incentives for knowledge management; communities of practice; technology of knowledge management; measurement of KM strategy. 2. Communities of practice are the key to knowledge sharing. 3. Virtual community members also need physical interactions. 4. Passion is the driving force behind communities of practice. 5. Tacit knowledge can be at least partially captured. 6. Knowledge sharing has an inside-out and outside-in dynamic. 7. Storytelling is needed to ignite knowledge sharing. 8. Knowledge sharing is at some point confused with IT. 9. Vibrant communities of practice attract new talents. 10. Organizations are in different stages of knowledge sharing

Managing Climate Risk. Integrating Adaptation into World Bank Group Operations

International Nuclear Information System (INIS)

Van Aalst, M.

2006-08-01

climate conditions. There are several ways in which the World Bank Group can continue helping its clients better manage climate risks to poverty reduction and sustainable development: Integrating climate risk management into the project cycle, by adopting early risk identification (for instance by applying a quick and simple risk-screening tool) and following up throughout the design process if necessary. Integrating climate risk management into country and sector dialogues, especially in countries and sectors that are particularly vulnerable. Enhancing internal support for and coordination of climate risk management by, for example, expanding analytical work and capacity for cross-support by the Global Climate Change Team and the Hazard Management Unit of the World Bank and by actively developing climate risk management activities within regional departments. Supporting the establishment of proper financing mechanisms for adaptation, using, for example, the Investment Framework for Clean Energy and Development. New funding mechanisms created under the United Nations Framework Convention on Climate Change (UNFCCC) and being made operational by the Global Environment Facility (GEF), as well as the Kyoto Protocol, should be used to leverage maximum adaptation results within the Bank's broad range of development activities and investments. By enhancing climate risk management, the World Bank Group will be able to address the growing risks from climate change and, at the same time, make current development investments more resilient to climate variability and extreme weather events. In that way, climate risk management will not only guard the Bank's investments in a changing climate but will also improve the impact of development efforts right now.

World Bank and agricultural development: food production and rural poverty

Energy Technology Data Exchange (ETDEWEB)

Stryker, R E

1979-03-01

Over the past decade, the World Bank has become the leading international institution for development financing and for elaborating new development strategies. This has involved a major shift in lending toward agriculture and rural development. Explanations for the change range from more progressive expertise within the Bank to the shock of the 1972-74 food crisis and renewed penetration of Third World agriculture by capitalist agribusiness. Discriminating among these perspectives requires attention to the core issue of the relationship between increasing food production and reducing rural poverty. The author feels that the issue is irreducibly political and that the Bank's record is less encouraging than the reformist rhetoric. 33 references, 4 tables.

The World Bank, Support for Universities, and Asymmetrical Power Relations in International Development

Science.gov (United States)

Collins, Christopher S.; Rhoads, Robert A.

2010-01-01

This article examines the role of the World Bank in advancing higher education sectors in the developing world, considering in particular the increasing power and strength of a global knowledge-based economy. Given the powerful role that intergovernmental organizations such as the World Bank play in shaping global economic policies, the authors…

The World Bank and the environment, fiscal 1992, exercise 92. Annual report

International Nuclear Information System (INIS)

1992-09-01

The report describes the Bank's activities in assisting countries with environmental management, such as programs to reduce poverty without exhausting natural resources. Included are assessments of the environmental impacts of projects supported by World Bank loans, and accounts of efforts to meet global environmental challenges with coordinated international action through the Global Environment Facility (GEF). Among the events in the period covered by the report are the affirmation of the World Bank's participation with United Nations organizations in the GEF and the Bank's administration of pilot programs aimed at finding solutions to such global environmental problems as pollution of international waters, global warming, depletion of the Earth's ozone layer, and dwindling biological diversity; the United Nations Conference on Environment and Development; and the publication of the World Development Report 1992, with its theme of development and the environment

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

OpenAIRE

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

2011-01-01

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

US politics and World Bank IDA-lending

DEFF Research Database (Denmark)

Andersen, Thomas Barnebeck; Hansen, Henrik; Markussen, Thomas

2006-01-01

This paper studies the role of US political factors in the allocation of World Bank concessional lending, where US political interests are proxied by voting similarity in the United Nations General Assembly on issues identified as important by the US Department of State. In contrast to previous...

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

OpenAIRE

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

2011-01-01

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

World bank and the environment. Progress report

International Nuclear Information System (INIS)

1991-01-01

The second annual report describes specific environmental strategies and environmental lending in the Bank's four operational regions: Africa; Asia; Europe, Middle East, and North Africa; and Latin America and the Caribbean. It details the Bank's progress in eight environmental categories: energy and the environment, pollution, urban environment, water resources management, forest and land management, social and cultural, environmental economics, and the global environment. One chapter is devoted exclusively to tropical forests, studying ways in which the Bank is dealing with deforestation as a part of the constant review of its forest policies. Suggestions are made for decreasing the degradation of tropical forests while meeting demands for forest products. This chapter reflects a shift in Bank emphasis from commercial ventures to conservation measures. The publication reports on other initiatives by the Bank during fiscal 1991, including the launching of the Global Environment Facility (GEF)--a pilot program to oversee reduction of global warming, preservation of biological diversity, protection of international waters, and prevention of ozone depletion

Seeing Like the World Bank on Poverty

DEFF Research Database (Denmark)

Vetterlein, Antje

2012-01-01

This article investigates the way in which the World Bank constructs knowledge on poverty by identifying analytic institutions inside the organisation where ideas are developed, ‘anti-poverty advocates’ that populate these institutions and the strategies they employ to foster their agenda. By doing...... the discursive level with developments on the policy and operational level reveals that the poverty or social agenda has grown incrementally from the late 1960s even in times when neoliberalism dominated world politics and economy. The article goes beyond such an organisational analysis in critically assessing...

Banche, territorio e sviluppo (Banks, Regions and Development

Directory of Open Access Journals (Sweden)

Pietro Alessandrini

2012-04-01

Full Text Available From the 1980s onwards the banking sectors in all the industrialised countries have been experiencing intense restructuring, aggregation and consolidation, radically changing their ownership structures and geography. Whatever the reasons behind such restructuring processes, the globalisation of the credit markets, the consolidation of banking structures, the removal of barriers to the free location of banks and their penetration of peripheral markets pose two main questions. Will integration of the banking systems lead to a narrowing or a widening of the development gap between regions? What relations will there be between financial centres and the periphery, and how will financial labour be divided between national (international banks and local (regional banks? The aim of this paper is to address such questions in the light of recent developments in the theoretical and empirical literature on financial integration.  JEL Codes: G21, G28, G34Keywords: Bank, Banking, Credit, Globalization, Restructuring

Tissue banking in Asia Pacific region: past, present and future.

Science.gov (United States)

Nather, Aziz; Mandy, Foong Shi Yun; Ning, Tan; Kaiying, Wang

2018-04-25

Tissue banking in the Asia Pacific regions is driven by two main forces-firstly the International Atomic Energy Agency (IAEA) via Regional Co-operative Agreement projects and secondly by the Asia Pacific Association of Surgical Tissue Banking (APASTB). This overview is written in three sections: (1) History of tissue banking in individual country in the region. (2) History of APASTB. (3) History of IAEA programme in Asia Pacific region. The current status and future of the tissue banking programme in the region will be discussed.

Knowledge Banking in Global Education Policy: A Bibliometric Analysis of World Bank Publications on Public-Private Partnerships

Science.gov (United States)

Menashy, Francine; Read, Robyn

2016-01-01

As a leading mobilizer of international development and educational knowledge, the World Bank has been critiqued in two key areas: (1) the dominance of economic thinking in its policies, and (2) its Northern-generated knowledge which informs its work in the Global South. In this paper, we investigate the disciplinary foundation of Bank knowledge,…

Collateral Determinats In Bank Risk Mananagement: The Regional Case

Directory of Open Access Journals (Sweden)

A. M. Karminsky

2018-01-01

Full Text Available Regional banks are struggling with significant obstacles in the modern Russian economy. Among them are strong competition with major big banks, strong resource restrictions, tightening the Bank of Russia’s requirements, and quite rapid expansion of financial technologies. Thus, the reduction of regional banks occurs, that produces both a negative impact on the development of small and medium enterprises (SMEs and challenges for balanced competition on the Russian market. Basically, these banks provide the settlement of region’s social and economic problems while maintaining local companies and enterprises. Collateral, as a source for losses covering, became the essential element of credit risk management in banks. Providing lenders to implement such instruments, it helps to reduce bank losses under borrower’s default. The purpose of the article relates to revealing of collateral determinants with higher impact on bank risk with the application of empirical methods (including regional level. This study is based on linear regression models evaluated by the least square method. Private data of secured small and medium business loans is used. This article presents LTV (loan-to-value as a major collateral determinant. The empirical evidence of interlinkage between collateral requirements, by the means of LTV, and risk premium is provided for loan portfolio of Russian regional banks. The hypothesis that LTV conversely correlates with risk premium is statistically proved.

The World Bank: Changing Leadership and Issues for the United States and Congress

National Research Council Canada - National Science Library

Weiss, Martin A

2005-01-01

.... The focus of the next World Bank President likely will be on many development issues including global humanitarian and reconstruction assistance and debt relief for the poorest countries, among others. Congress has a significant role in shaping U.S. policy at the World Bank through funding arrangements and oversight responsibility. This report will be updated as events warrant.

The Determinants of Bank Internationalisation in Times of Financial Globalisation: Evidence from the World's Largest Banks (1980-2007)

NARCIS (Netherlands)

Westerhuis, Gerarda; Mulder, Arjen

2015-01-01

This article analyses the determinants of bank internationalisation, of the world's largest banks from the period 1980–2007. The purpose of the article is twofold. First, we show how a mixed-methods research design, in which we combine a variables-based research with three case studies, can

Banche, territorio e sviluppo (Banks, Regions and Development

Directory of Open Access Journals (Sweden)

Pietro Alessandrini

2003-03-01

Full Text Available From the 1980s onwards the banking sectors in all the industrialised countries have been experiencing intense restructuring, aggregation and consolidation, radically changing their ownership structures and geography. Whatever the reasons behind such restructuring processes, the globalisation of the credit markets, the consolidation of banking structures, the removal of barriers to the free location of banks and their penetration of peripheral markets pose two main questions. Will integration of the banking systems lead to a narrowing or a widening of the development gap between regions? What relations will there be between financial centres and the periphery, and how will financial labour be divided between national (international banks and local (regional banks? The aim of this paper is to address such questions in the light of recent developments in the theoretical and empirical literature on financial integration.

Methodical Approaches to Risk Management in a Regional Commercial Bank

Directory of Open Access Journals (Sweden)

Elena Vladimirovna Altukhova

2016-03-01

Full Text Available The article presents the results of the research of the methodological and information infrastructure of the integrated risk management in a regional commercial bank. Within the study of the general development tendencies of the regional banking services market, the most significant risks for a regional bank are revealed. The analysis is carried out on the basis of the stress testing technique developed at the Plekhanov Russian University of Economics. It is based on a technique of dynamic economic and mathematical modeling with the application of information technologies. The created combination of the methodological and instrumental tools allows to carry out the dynamic scenario analysis of the activity of a commercial bank for the identification of potential risks and for the development of the strategy of financial management reducing the potential risks and leveling the consequences of their realization. The received tool allows during the computer test to watch the predicted dynamics of the condition of the key indicators of the activity of a regional commercial bank changing under the influence of the exogenous regulatory measures and instruments of bank management applied to decrease risk and at the same time to introduce adjustments in the perspective strategy of management. As the result of the analysis, the universal management model of the main bank risks in a regional commercial bank within three alternative scenarios is created. The software product allowing to develop and acquire the practical skills of the students in banking is developed. It also may help to develop the methodological support for the regulation of the organizational procedures of risk management in a regional commercial bank. The received software product may be used in a system of the improving the professional skills, and also for obtaining the expected data in a risk management system in a regional commercial bank.

Nigerian University Libraries and the World Bank Loan.

Science.gov (United States)

Balarabe, Ahmed Abdu

1995-01-01

Discusses the development of Nigerian federal universities and their libraries. Topics include library funding; the Nigerian economic crisis and the university library system; rationale for the World Bank Federal Universities Adjustment Loan Project that was used for library materials, staff development, and equipment; and problems with the…

The World Bank and Fragile States: Dynamics of Cooperation and Aid Structure

Directory of Open Access Journals (Sweden)

Solomatin A.

2018-03-01

Full Text Available The eradication of extreme poverty in fragile states is one of the central problems of global governance at the present time. Development of these states is hindered by instability, weak public and social institutions or ongoing conflicts and violence. The World Bank is a key partner of fragile states, which account for almost a third of the world’s population. This article is a continuation of research exploring the evolution of conceptual and practical approaches by the World Bank to cooperation with fragile states. Its methodology is based on a multilevel analysis of the securitization of foreign aid as proposed by J. Lind and J. Howell of the London School of Economics. The main focus of this examination is on the dynamics of the change of scale and structure of the World Bank’s aid to fragile states in comparison with global armed trends of providing aid to fragile states as well. This article concludes that statements about the priority of the Bank’s work in fragile states have not yet been realized in practice. The Bank remains committed to the standard approach to working with this group of recipients, which involves serious risks. The World Bank leans toward supporting projects in fragile states which increases volatility and reduces aid predictability. This trend undermines the development potentials of recipient states. Attention is drawn to political factors influencing aid flows to fragile states and particularly to the tendency of increasing the share of aid provided to fragile states through multi donor trust funds rather than through the mechanisms of the International Development Association (IDA. This trend indicates that the Bank is no longer a central point of aid distribution to the recipients, pointing to the lack of trust of donor states in the existing mechanisms and rules of aid distribution. It also reveals the expanding role of donors’ strategic interests in the process of choosing recipients of World Bank aid.

assessment of selected world bank policies and their implications

African Journals Online (AJOL)

LUCY

U. Akah, Department of Human Kinetics and Health Education, University of Calabar, Calabar,. Nigeria .... (SAP) policies by the World Bank which was aimed at streamlining the ... of water resources to her citizens as a conation for assessing ...

The World Bank's Shift Away from Neoliberal Ideology: Real or Rhetoric?

Science.gov (United States)

Adhikary, Rino Wiseman

2012-01-01

Some literature on World Bank education policies after 1999 tries to project a shift away of the Bank from its 1980s neoliberal mandate. This article argues that the shift is only in the form of rhetoric, which facilitates a hidden agenda of creating a worldwide higher education market, leaving the poor with primary education only. At the…

World Bank Okays Public Interest in Higher Education

Science.gov (United States)

Post, David; Clipper, Lutitia; Enkhbaatar, D.; Manning, Anitra; Riley, Thomas; Zaman, Husam

2004-01-01

This essay review discusses the report of The Task Force on Higher Education and Society (TFHES), convened in 1998 by the World Bank but independently financed and staffed in collaboration with UNESCO and several foundations. "Peril and Promise" marks an historic turning point in the framework for postsecondary educational planning. Rate-of-return…

Financial management information systems 25 years of World Bank experience on what works and what doesn't

CERN Document Server

Dener, Cem; Dorotinsky, William Leslie

2011-01-01

Since 1984, the World Bank has financed 87 Financial Management Information System (FMIS) projects in 51 countries totaling over US 2.2 billion, of which US 938 million was for FMIS related information and communication technology (ICT) solutions. This study presents the World Bank?s experience with these investment operations to share the achievements and challenges observed, and provide guidance for improving the performance of future projects. The report is structured according to four overarching questions:?What historical patterns emerge from World Bank financed Treasury/FMIS projects?Thi

The world bank and the environment. Progress report

International Nuclear Information System (INIS)

1991-01-01

The second annual report describes specific environmental strategies and environmental lending in the Bank's four operational regions: Africa; Asia; Europe, Middle East, and North Africa; and Latin America and the Caribbean. It details the Bank's progress in eight environmental categories: energy and the environment, pollution, urban environment, water resources management, forest and land management, social and cultural, environmental economics, and the global environment. One chapter is devoted exclusively to tropical forests, studying ways in which the Bank is dealing with deforestation as a part of the constant review of its forest policies. Suggestions are made for decreasing the degradation of tropical forests while meeting demands for forest products. This chapter reflects a shift in Bank emphasis from commercial ventures to conservation measures. The publication reports on other initiatives by the Bank during fiscal 1991, including the launching of the Global Environment Facility (GEF)--a pilot program to oversee reduction of global warming, preservation of biological diversity, protection of international waters, and prevention of ozone depletion

Creating religiously compliant milk banks in the Muslim world: a commentary.

Science.gov (United States)

Alnakshabandi, Kholoud; Fiester, Autumn

2016-02-01

Human milk banks are vital for providing donor milk to infants for whom there are maternal or postnatal barriers to the mother's own milk. Although more than 35 countries have active milk banks, not one of those is a Muslim country.(1) Despite widespread support for breastfeeding across the Muslim world, religious constraints surrounding milk-sharing have created challenging barriers to the creation of milk banks. The religious objection centres around the Islamic tenet that consuming human milk builds a kinship bond between individuals who have consumed the same woman's milk which prohibits future marriage between the 'milk-brothers and sisters.' While a small-scale, experimental 'milk exchange' programme has been attempted in two Muslim countries (Kuwait and Malaysia), the only proposed milk bank in the Muslim world was a pilot programme in Turkey that was halted because of religious concerns. The problem with milk banking is the step in the process during which the milk from individual donors is pooled and de-identified, making it impossible to trace its origins and acknowledge the newly formed kinship relationship. To meet the need for Muslim children to be able to access human milk while remaining compliant with the prevalent understanding of Islamic doctrine on milk-sharing, we propose a new approach to milk banking that we term the Conditional Identified Milk Banking System (CIMBS). In this new system, both the donor's and recipient's identities are accessible to all parties through a voluntary registry, and the milk-pooling is limited to three milk donors. Based on recent survey data, we believe that there would be receptivity among practicing Muslims and religious leaders to this alternative approach.

World Bank: Management Controls Stronger, But Challenges in Fighting Corruption Remain

National Research Council Canada - National Science Library

2000-01-01

Concerns about corruption have intensified in recent years as there is a growing realization among international financial donors, including the World Bank, that corruption may undermine development...

The IMF-World Bank's economic stabilisation and structural adjustment policies and the Uganda economy, 1981-1989

NARCIS (Netherlands)

Nabudere, D.W.

1990-01-01

This research report traces all the main developments in IMF-World Bank policies in Uganda. Most of the material concerns the three IMF standby arrangements with Uganda for 1981-1984 and the World Bank Group's Structural Adjustment Programmes. These programmes introduced two contradictory policies

A population-induced renewable energy timeline in nine world regions

International Nuclear Information System (INIS)

Warner, Kevin J.; Jones, Glenn A.

2017-01-01

Approximately 1.1 billion people worldwide do not have access to electricity. The World Bank's Sustainable Energy for All initiative seeks to provide universal access to energy by the year 2030. The current world population of 7.3 billion is projected to reach 8.5 billion by 2030 and 11.2 billion by 2100. Population growth and increasing energy access are incongruous with forecasts of declining non-renewable energy production and climate change concerns. Previous studies have examined these issues at global or at individual regional or national levels. Here we use a nine region model of the world with two per capita energy consumption scenarios to find that significant restructuring of the current energy mix will be necessary in order to support population projections. Modelled interaction between the regions highlights the importance of examining energy and population concerns in a systemic manner, as each of the nine regions faces unique energy-population challenges in the coming decades. As non-renewable energy reserves decline globally, the transition to a renewable energy infrastructure will develop at different times in each region. - Highlights: • A 9-region model of energy, population, and development through 2100 is presented. • Developing >50% renewable energy is required in 8 regions, though not concurrently. • Population growth and development will compound energy scarcity issues. • Early and significant renewable energy investment is key to realizing development. • Each region will face unique, though interlacing, challenges this century.

Book review: Unholy trinity: The IMF, World Bank and WTO Richard Peet

Directory of Open Access Journals (Sweden)

M Breitenbach

2014-05-01

Full Text Available In this timely book Richard Peet and his team lay the foundation with an excellent analysis of the process of globalisation and the resultant emergence of the global economy. The authors are especially critical of the increasing influence of institutions like the International Monetary Fund (IMF, World Bank and World Trade Organisation (WTO on the economy and the consequences experienced by peoples, cultures and the environment. The single ideology of neo-liberalism is blamed for the undesirable outcomes. This book considers concepts of power, political interest, hegemony, discourse, responsibility and the power of practicality, in critically examining the IMF, World Bank and WTO. The conclusion is reached that “all three institutions play roles greatly different from those originally agreed to under the charters that set them up”.

Returning "Region" to World Regional Geography

Science.gov (United States)

Rees, Peter W.; Legates, Margaret

2013-01-01

World regional geography textbooks rarely focus on the process of region formation, despite frequent calls to reincorporate a regional approach to teaching global geography. An instructional strategy using problem-based learning in a small honors section of a large world regional geography course is described. Using a hypothetical scenario…

Tissue banking in the Asia Pacific region - an overview

International Nuclear Information System (INIS)

Hasim Mohamad

1999-01-01

Tissue banking is a relative new entity in the Asia-Pacific region. Sporadic cases of tissue transplantation were reported in the early sixties whereby corneas mainly from Sri Lanka were airflown to ophthalmic surgeons in this region. Till today Sri Lanka has been playing a key role in supplying corneas and other tissues throughout the globe. Similar cases of allograft bone transplantation were reported from Myanmar during that period. However it was not until early eighties when a group of scientist medical doctors from various countries in this region met in Colombo under IAEA to discuss the possibilities of developing tissue banks in their respective countries. This development had been very slow and until today only about fourteen countries are directly involved. Due to the lack of financial support both from the authorities or non-government organizations most of the tissue banks survived by research grants from universities, the government research and development grants or grants from private bodies which are hard to come by and are usually inadequate to sustain or to maintain the banks. Most of our tissue banks started small by involving in amniotic membrane processing for use in bum patients in their initial stage of development. These are true for countries like China, Malaysia, Bangladesh, Pakistan and Indonesia where amniotic membranes are easily available and the processing cost is cheap. The availability of cobalt source for radiation of these tissues is also an important factor. Some of these banks until today still focussed on these areas whereas others had rapidly progress into production of other tissue such as bones, heart valves, allograft skin, and xenograft bones. Richer counties in the Pacific rim, where financing is not a major problem, the progress of their banks depends greatly on the demands of tissue by the clinicians and the availability of raw materials and tissue bank facilities. At the moment due to the lack of donors the raw

Neoliberalism with a Feminist Face: Crafting a New Hegemony at the World Bank

OpenAIRE

Prügl Elisabeth

2016-01-01

Neoliberalism has been discredited as a result of proliferating crises (financial ecological care) and mounting inequality. This paper examines the growing research on gender at the World Bank as a site for the construction of a new hegemonic consensus around neoliberalism. Drawing on a computer assisted inductive analysis of thirty four Bank publications on gender since 2001 the paper documents Bank efforts to establish a positive relationship between gender equality and growth; shows the ex...

Training for Social Development Staff at the World Bank, Volume 2. Annexes

OpenAIRE

Gross, Daniel R.; LeDuc, Matthew

2010-01-01

The social development family is facing a major challenge given the significant increase in lending made by the Bank in the last five years. Lending overall has more than doubled between FY05 and FY09; investment lending has increased by 82 percent and infrastructure lending by 125 percent. In this report, International Evaluation Group (IEG) suggests that the World Bank's safeguard policies ...

Leaders of Universities' Association Criticize World Bank's View on Developing Countries.

Science.gov (United States)

Morna, Colleen Lowe

1987-01-01

World Bank recommendations calling on developing countries to shift some of their higher-education funds to elementary and secondary education have prompted opposition from leaders of the International Association of Universities. (MLW)

Stability Of The Regional Banking Systems In The Crisis And Post-Crisis Periods

Directory of Open Access Journals (Sweden)

Yelena Pavlovna Gurova

2014-12-01

Full Text Available In connection with the recent crises has become more urgent topic of estimating the probability of bankruptcy of financial institutions. However, do not analyze the level of bankruptcies in the «regional banking systems» and its dependence on certain bank characteristics, the economic situation in the region. The subject of this study is to estimate the probability of medium-sized («non-capital» regional banks bankruptcy. Purpose of the article is to identify the main factors that have the greatest impact on the probability of default of the situation of regional banks. The study used an analytical and theoretical method is conducted econometric analysis. For performance revealed a significant difference in the factors influencing the onset of medium-sized regional situation of default («non-capital» banks, compared with larger banks. First to assess the likelihood of bankruptcy is used the concentration index of banks included in the model and significant macro variables. Results are applicable, from our point of view, the evaluation and more precise definition of the probability of default CBR regional banks.

An Evaluative Look Behind the Curtain : World Bank Group Staff's Early Experience with the Shared Prosperity Goal

OpenAIRE

Smets, Lodewijk; Bogetic, Zeljko

2018-01-01

In 2013, the Board of Executive Directors of the World Bank Group endorsed two ambitious goals: eliminating extreme poverty in the world by 2030 and boosting shared prosperity. The latter is defined as fostering the growth in the income of the poorest 40 percent of the population in each country. In 2016-17, the World Bank's Independent Evaluation Group conducted an evaluation on how well ...

Compensation, Diversity and Inclusion at the World Bank Group

OpenAIRE

Das, Jishnu; Joubert, Clement; Tordoir, Sander Florian

2017-01-01

This paper examines salary gaps by gender and nationality at the World Bank Group between 1987 and 2015 using a unique panel of all employees over this period. The paper develops and implements a dynamic simulation approach that models existing gaps as arising from differences in job composition at entry, entry salaries, salary growth and attrition. There are three main findings. First, 76...

A Parallel World for the World Bank: A Case Study of Urgent: Evoke, An Educational Alternate Reality Game

Directory of Open Access Journals (Sweden)

David I. Waddington

2013-01-01

Full Text Available In 2010, the World Bank launched Urgent: Evoke, an alternate reality game. Conceived in response to the demands of African universities, the game was designed to promote the World Bank Institute’s vision of positive global change through social innovation, and made substantial use of Web 2.0 tools such as blogs, personal profiles, and social networks. This article offers a case study of Urgent: Evoke, divided into four sections: first, the potential to use video games as citizenship education tools is discussed; second, the unique game genre (alternate reality games into which Evoke falls is explained and some possible uses of this genre in higher education are examined; third, the functioning of the Evoke game world is explained; and fourth, the results of the Evoke educational project are assessed. The case study concludes with some commentary on Evoke’s ideological message, which those less sympathetic to capitalism may view as problematic.

The world Bank's support for concentrated solar power stations

International Nuclear Information System (INIS)

Pariente-David, S.; Walters, J.; Govindarajalu, Ch.; Coma Cunill, R.

2009-01-01

The Clean Technology Fund (CTF) was set up in 2008 to provide funding, especially subsidies, on an industrial scale for projects that experiment with, deploy or transfer low-carbon technology, which can potentially reduce greenhouse gas emissions significantly in the long run. The CTF helps multilateral development banks providing the funds needed, and giving a boost to experiments with low-carbon techniques, while waiting for the conclusion of the negotiations conducted by the United Nations on climate change. The World Bank manages this temporary fund. The article presents the use of CTF as a catalyzer to lower costs, to create a viable market and to attract important financing for the development of concentrating solar plants in Middle East and North-Africa countries

A discussion paper for emerging markets: The role of IMF and the World Bank

Directory of Open Access Journals (Sweden)

Edmundo R. Lizarzaburu

2012-09-01

Full Text Available While both the World Bank and International Monetary Fund, are two separate entities, often not clear the role of each of them is therefore that this paper seeks to consolidate diverse information reviewed from both entities with the purpose of being able to understand the functioning and scope of each of these important institutions that have had successes and setbacks and ultimately have an active role in global finance and economy, despite the many detractors who are at levels world. There is an anecdote which is worth mentioning. “John Maynard Keynes, recognized at the inaugural meeting of the International Monetary Fund was confused by the names he thought the Fund should be called a bank, and the World Bank should be called a bottom. Confusion has reigned ever since. The Bank and the IMF are two intergovernmental pillars supporting the structure of economic and financial world”. The fundamental difference between the two is understood as: the Bank institution primarily for the development, while the IMF is a cooperative institution that seeks to maintain an orderly system of payments and receipts between nations. The manner followed to choose the head of each organization has a different procedure, but the important thing is that in the next few years, several countries such as Brazil, India have more active participation and Latin America as a group may perhaps lead some of them.

Training for Social Development Staff at the World Bank, Volume 1. Main Report

OpenAIRE

Daniel R. Gross; Matthew LeDuc

2010-01-01

The social development family is facing a major challenge given the significant increase in lending made by the Bank in the last five years. Lending overall has more than doubled between FY05 and FY09; investment lending has increased by 82 percent and infrastructure lending by 125 percent. In this report, International Evaluation Group (IEG) suggests that the World Bank's safeguard policies ...

Making Infrastructure Work for Women and Men : A Review of World Bank Infrastructure Projects (1995-2009)

OpenAIRE

World Bank

2010-01-01

This report provides a gender review of a decade and a half of World Bank infrastructure lending for 1,246 projects. The objective of this review is to assess the status of and trends in gender integration in the World Bank infrastructure portfolio, and to establish a baseline for monitoring and enhancing gender integration in line with commitments made for the 2006 gender action plan. The ...

Retrenched Journals: Further on the World Bank Loan in Nigeria.

Science.gov (United States)

Olorunsola, R.

1995-01-01

Reviews collection development difficulties encountered at Nigeria's University of Ilorin as a result of the inflation of serial subscription prices and the poor state of the Nigerian economy in the 1980s. Describes the library's successful use of the World Bank loan of 1990-1993 to fund journal renewals and purchases. (JMV)

Coal pricing in China: Issues and reform strategy. World Bank discussion paper

International Nuclear Information System (INIS)

Albouy, Y.

1991-01-01

The study assesses the magnitude of coal price distortions left in place by the dual track pricing approach to price reform implemented by China in the 1980s; it examines the economic and financial costs of these distortions and identifies the potential winners and losers of pricing improvements. Finally the report outlines a strategy for gradual price adjustments and liberalization in the coal sector. (Copyright (c) 1991 The International Bank for Reconstruction and Development/The World Bank.)

Integrating Gender into World Bank Financed Transport Programs : Component 1. Case Study Summary and Final Report

OpenAIRE

IC Net

2004-01-01

The World Bank in November 2001 commissioned IC Net Limited of Japan to carry out a study titled 'Integrating Gender into World Bank Financed Transport Programs' in accord with the terms of reference (TOR) issued in June 2001. The study was financed by a grant from the Japanese Large Studies Trust Fund. The contract came into effect on 15 December 2001 and covers the period to 15 June 2004...

Argentina: Social Sectors in Crisis. A World Bank Country Study.

Science.gov (United States)

World Bank, Washington, DC.

Based on the findings of a two month visit to Argentina by a World Bank Mission in November/December of 1988, this report summarizes current economic, education, and social policies in Argentina. The four major areas targeted are the social sectors, education, health care, and housing. The analysis identifies critical problems in the organization…

Perspectives of co-operation with the World Bank towards elimination of low emission sources in Krakow

Energy Technology Data Exchange (ETDEWEB)

Goerlich, K.

1995-12-31

I am not going to speak about or for the World Bank. More time and a different scope of the conference would be needed in order to more deeply assess the role of the World Bank and other international lenders and donors in the environmental and energy sectors in Poland. I am going to stay within the context of the Krakow Clean Fossil Fuels and Energy Efficiency Project financed by the US AID and managed by the US DOE (called here for simplicity the Krakow Programme). However, in order to assess a role of the World Bank and other international lenders and donors in the pro-environment transformation of the energy systems of Krakow, one needs to briefly discuss: the possibilities and confinements related to the {open_quotes}technology{close_quotes} of disbursement of the financial resources by the multilateral development banks (MDB`s) in Poland, the type of results obtained within the {open_quotes}Krakow Programme{close_quotes} and a concept of involving American commercial companies to implement the clean-air policy for Krakow.

Climate change and the World Bank: opportunity for global governance?

International Nuclear Information System (INIS)

Boehmer-Christiansen, S.A.

1999-01-01

The direct and indirect efforts of the World Bank and its off-spring, the Global Environment Facility (GEF), to become leading international agents of global environmental 'governance' and 'sustainable development' are described and analysed politically with reference to the development of an implementation regime of the Framework Convention on Climate Change (FCCC). The Bank/GEF are seen as engaging in a potentially dangerous experiment of 'global ecological modernisation', or industrial transformation, in 'emerging economies', an experiment legitimised by reference to the catastrophic threat of man-made 'global warming'. This threat is already being translated into political, commercial and bureaucratic benefits accruing to a small global elite. How was this achieved and what are the likely political implications? (author)

World Bank in Nepal's Education: Three Decades of Neoliberal Reform

Science.gov (United States)

Regmi, Kapil Dev

2017-01-01

This paper critically analyses key educational policy documents produced by the World Bank mainly from the mid-1980s to 2010 with regard to implementing major educational projects in Nepal. Using critical policy sociology as a methodological tool, the paper explores how a small Himalayan nation with per capita income of about US$730 (2014) plunged…

Training of tissue bank operators in Asia Pacific region

International Nuclear Information System (INIS)

Aziz Nather

1999-01-01

To raise quality standards of Tissue Bank in Asia Pacific Region and to meet training needs of tissue bank operators. Singapore (NUH Tissue Bank) was officially appointed by IAEA on 18 September 1996 in Vienna to be the IAEA/NUS Regional Training Centre for RCA (Regional Co-operative Agreement). Member of States including Bangladesh, China, India, Indonesia, Korea, Malaysia, Myanmar, Pakistan, Philippines, Thailand, Sri Lanka and Vietnam. The Singapore Ministry of Environment gave a grant of $225,500 for setting up of this centre with National Science and Technology Board as funding agency, $100,000 being allocated for production of IAEA Developed Curriculum into Multi-Media. (authors being National Project Co-ordinators, Directors of Tissue Banks in the region). The Modules included Guide to Curriculum, Historical Background (0), Rules and Regulation (1), Organisation (2), Quality Assurance (3), Procurement (4), Processing (5), Distribution and Utilisation (6) and Future Developments (7). The Distance Learning Package included case studies from the region in text, in slides and videotapes. A new purpose-built NUH Tissue Bank with separate Wet and Dry Processing laboratories equipped with hands-on facilities was completed in July 1997. This was inaugurated as; IAEA/NUS Regional Training Centre for RCA; IAEA/NUS Interregional Training Centre; and NUS Diploma Course on Tissue Banking also launched by Deputy vice-chancellor, NUS, in conjunction with the IAEA/RCA Regional Training Course on 3 November 1997. One year NUS Open Distance Learning Diploma Course started with two weeks Intensive Course with Core Lectures on Modules (0-7) in the Curriculum and Practical Hands-on Demonstrations. One theory and two practical assessments were conducted. Nineteen participants registered for the Diploma Course. Production of IAEA Multi-Media Curriculum was completed and the Curriculum was distributed to member States during a 2-week-RCA 'Train the Trainers' Workshop on 27 April

Challenges of the banking regulation systems in the climate of the world economic crisis

Directory of Open Access Journals (Sweden)

Sedlarević Lazar

2014-01-01

Full Text Available At the end of the 20th century, banking systems of the developed countries have undergone multiple changes, where the basic dimensions of those changes were integration, deregulation and globalisation of activities. The resultant of these factors' actions was the creation of highly risky banking environment, which acted as a catalyst of the world economic crisis effects. These effects brought to the forefront weaknesses of the banking sector and of the banking regulation system, while emphasizing the need for their redefining. Hence this work examines in detail concrete models of the banking regulation systems in the European Union area and in the United States of America. In addition, directions of redefining regulation system were highlighted, and also the relevant differences between banking business regulation in the European Union and in the United States of America.

The World Bank Inspection Panel and Quasi-Judicial Oversight: In Search of the 'Judicial Spirit' in Public International Law

NARCIS (Netherlands)

A. Naudé Fourie (Andria)

2009-01-01

textabstractThis PhD dissertation conceptualizes the World Bank Inspection Panel as a mechanism of quasi-judicial review or oversight, aimed at enhancing the accountability and legitimacy of the World Bank – which is conceived as an international institution exercising public power. The author

Development's Collateral Damage : The World Bank, involuntary resettlement and human rights

OpenAIRE

Martin, Deirdre Christine

2011-01-01

Each year millions of people throughout the world are forced from their homes to make way for new roads, dams and other infrastructure developments. The World Bank funds many of these projects in developing countries and has been both harshly criticised for its track record with involuntary resettlement and a global leader in producing guidelines aimed at ensuring those forced to relocate are not harmed by the process. The Bank’s policy on involuntary resettlement is backed up by an Inspecti...

Pension reforms and world bank-regulated laws of the jungle: the ...

African Journals Online (AJOL)

Peripheral societies (or better still, non-industrialized, raw materialsexporting states) are originally (and still remain) designed as raw resources supply zone not only in World Bank lexicon but also in global planning and programming of industrialized societies in general. Worker welfare of those both retired and in service ...

Overview of US AID-World Bank-NASA Collaboration to Address Water Management Issues in the MENA Region

Science.gov (United States)

Habib, Shahid

2012-01-01

The World Bank, USAID and NASA have recently established a joint project to study multiple issues pertaining to water related applications in the Middle East North Africa (MENA) region. The main concentration of the project is on utilization of remote sensing data and hydrological models to address crop irrigation and mapping, flood mapping and forecasting, evapotranspiration and drought problems prevalent in this large geographic area. Additional emphases are placed on understanding the climate impact on these areas as well. Per IPCC 2007 report, by the end of this century MENA region is projected to experience an increase of 3 C to 5 C rise in mean temperatures and a 20% decline in precipitation. This poses a serious problem for this geographic zone especially when majority of the hydrological consumption is for the agriculture sector and the remaining amount is for domestic consumption. The remote sensing data from space is one of the best ways to study such complex issues and further feed into the decision support systems. NASA's fleet of Earth Observing satellites offer a great vantage point from space to look at the globe and provide vital signs necessary to maintain healthy and sustainable ecosystem. These observations generate multiple products such as soil moisture, global precipitation, aerosols, cloud cover, normalized difference vegetation index, land cover/use, ocean altimetry, ocean salinity, sea surface winds, sea surface temperature, ozone and atmospheric gases, ice and snow measurements, and many more. All of the data products, models and research results are distributed-via the Internet freely through out the world. This project will utilize several NASA models such as global Land Data Assimilation System (LDAS) to generate hydrological states and fluxes in near real time. These LDAS products will then be further compared with other NASA satellite observations (MODIS, VIIRS, TRMM, etc.) and other discrete models to compare and optimize

Good Work--But Not Enough of It : A Review of the World Bank's Experience in Nutrition

OpenAIRE

Heaver, Richard

2006-01-01

The World Bank has been a leader in nutrition policy analysis, and many of the nutrition projects it has supported have been innovative and successful. But though the Bank has developed the economic justification for large-scale investment in nutrition, and has the experience needed to scale up, it has failed to do so. Nutrition lending is an insignificant proportion of the Bank's business...

Efficiency in Reaching the Millennium Development Goals. World Bank Working Paper.

Science.gov (United States)

Jayasuriya, Ruwan, Ed.; Wodon, Quentin, Ed.

The Millennium Development Goals (MDGs) provide clear targets and areas of focus for international organizations such as the World Bank. At a conceptual level, to reduce poverty and hunger, to improve education and health indicators, and to promote gender equality and sustainable development, countries can either increase the resources they…

The Indonesian Islamic Bank’s Spin-off: A Study in Regional Development Banks

Directory of Open Access Journals (Sweden)

Ismawati Haribowo

2016-12-01

Full Text Available The Islamic banking spin-off became a major issue after the establishment of the Act No. 21 of 2008. The problem that arises according to this spin-off is the existence of sharia unit that owned by the regional development banks, which is almost the banks has a small size. This paper is going to evaluate the spin-off criteria are regional development banks, besides that this article is going to analyze the spin-off strategy that can use by sharia unit that owned by the regional development bank. The techniques that employed in this paper are ARIMA, simulation, and descriptive-qualitative. The result shows that there is no sharia unit can achieve the 50% share asset of its parents. There are also several strategies that can be used by the sharia unit. The main thing that should emphasize is the Islamic bank's spin-off is only one of the policies that can be taken to develop the Islamic banking industryDOI: 10.15408/aiq.v9i1.4308 

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...

Peru : Country Program Evaluation for the World Bank Group, 2003-09

OpenAIRE

Independent Evaluation Group

2011-01-01

Since 2003, Peru has emerged as an open, rapidly growing economy. Over the review period of 2003-09, successive governments adopted policy platforms aimed at maintaining macroeconomic stability, furthering the private sector supply response, broadening participation in growth, improving social service delivery, and strengthening public institutions. The World Bank Group (WBG) supported each of ...

Bank vole immunoheterogeneity may limit Nephropatia Epidemica emergence in a French non-endemic region.

Science.gov (United States)

Dubois, A; Castel, G; Murri, S; Pulido, C; Pons, J-B; Benoit, L; Loiseau, A; Lakhdar, L; Galan, M; Marianneau, P; Charbonnel, N

2018-03-01

Ecoevolutionary processes affecting hosts, vectors and pathogens are important drivers of zoonotic disease emergence. In this study, we focused on nephropathia epidemica (NE), which is caused by Puumala hantavirus (PUUV) whose natural reservoir is the bank vole, Myodes glareolus. We questioned the possibility of NE emergence in a French region that is considered to be NE-free but that is adjacent to a NE-endemic region. We first confirmed the epidemiology of these two regions and we demonstrated the absence of spatial barriers that could have limited dispersal, and consequently, the spread of PUUV into the NE-free region. We next tested whether regional immunoheterogeneity could impact PUUV chances to circulate and persist in the NE-free region. We showed that bank voles from the NE-free region were sensitive to experimental PUUV infection. We observed high levels of immunoheterogeneity between individuals and also between regions. Antiviral gene expression (Tnf and Mx2) reached higher levels in bank voles from the NE-free region. During experimental infections, anti-PUUV antibody production was higher in bank voles from the NE-endemic region. These results indicated a lower susceptibility to PUUV for bank voles from this NE-free region, which might limit PUUV persistence and therefore, the risk of NE.

Re-thinking skilled international labour migration: world cities and banking organisations.

Science.gov (United States)

Beaverstock, J V

1994-08-01

"Highly skilled professional and managerial labour migration has become an important facet of the contemporary world economy. The operations of transnational corporations have created more opportunities for skilled migrants to work abroad.... There is a growing interest amongst economic geographers to examine this form of migration through an appreciation of global economic restructuring, labour market change and world cities. Consequently, this paper introduces a new conceptual framework...[which] is based on the rationale that world cities, and the patterns of labour market demand that exist within them, are of paramount importance in influencing highly skilled professional and managerial labour migration within the world economy. The author uses an example of highly skilled labour migration within the transnational banking sector [in London] to illustrate this new conceptual framework." excerpt

The care connection: The World Bank and women's unpaid care work in select sub-Saharan African countries

OpenAIRE

Bibler, Sarah; Zuckerman, Elaine

2013-01-01

With the aim of reducing women's greater unpaid care work than men&'s and increasing women's paid employment, this paper examines the extent to which World Bank investments address unpaid care work. The paper conducts an in-depth gender analysis of 36 World Bank employment-related projects in Malawi, Mali, Niger, and Rwanda. It concludes that the vast majority (92 per cent) of reviewed projects fail to account for unpaid care work. Exceptionally, Malawi's Shire River Basin Management Program ...

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 ...

Toward a Green, Clean, and Resilient World for All : A World Bank Group Environment Strategy 2012 - 2022

OpenAIRE

World Bank Group

2012-01-01

The new environment strategy for the World Bank Group lays out an ambitious action agenda that seeks to respond to calls from our client countries for a new kind of development path, one that supports growth while focusing more on sustainability and ensuring that the environment is a key enabler for green, more-inclusive growth. This strategy recognizes the importance of our convening powe...

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.

The International Monetary Fund and World Bank in Africa: a "disastrous" record.

Science.gov (United States)

Dembele, Demba Moussa

2005-01-01

In their 60th anniversary year, the International Monetary Fund and World Bank will attempt to highlight their "assistance" to Africa. But in reality, since the 1970s, these institutions have gradually become the chief architects of policies that are responsible for the worst inequalities and the explosion of poverty in the world, especially in Africa. When they began to intervene on that continent in the late 1970s and early 1980s, their stated goal was to "accelerate development." But the actual record is just disastrous, as this article reveals.

What the World Bank's shift from public to private funding means for ...

African Journals Online (AJOL)

Something new is afoot at the World Bank. But there's no reason for developing countries to be hopeful that development funding is about to get a much needed fillip after decades of dismal performance and inappropriate policy prescriptions. It's just that Santa Claus will only give gifts to the investor kids from now on.

Entering the Forbidden Zone: the World Bank, Criminal Justice Reform and the Political Prohibition Clause

NARCIS (Netherlands)

Janse, R.

2013-01-01

Over the past 7 years or so, the World Bank has expanded its rule of law agenda by moving into the area of criminal justice reform. This turn to criminal justice reform, however obvious it may be from a development perspective, was — and still is — a controversial step. This is because the World

Improving efficiency of a regional stand alone bone bank.

Science.gov (United States)

Warnock, Jonathan M; Rowan, Clare H; Davidson, Helen; Millar, Ciara; McAlinden, M Gavan

2016-03-01

The introduction of a stand-alone Bone Bank in our Regional Orthopaedic Hospital has improved the availability of femoral head allograft. Benninger et al. (Bone Joint J 96-B:1307-1311, 2014), demonstrated their institutions bank to be cost effective despite a 30 % discard rate for harvested allograft. We sought to audit our own discard rates and subsequent cost-effectiveness of our bone bank. Donor recruitment. Before approaching a potential donor, our establishment's nurse specialists review their clinical notes and biochemical laboratory results, available on a regional Electronic Care Records. They view femoral head architecture on radiographs against set criteria, Patient Archive and Communication system (SECTRA, Sweden). In total 1383 femoral heads were harvested, 247 were discarded giving an overall rate of 17.9 %. The most common reasons for discard of harvested graft was a positive microbiology/bacteriology result, n = 96 (38.9 %). After a rise in discard rates in 2007, we have steadily reduced our discard rates since 2006/2007 (28.2 %), 2008/2009 (17 %), 2010/2011 (14.8 %), and finally to 10.3 % in 2012/2013. In the current financial year, our cost to harvest, test, store and release a femoral head is £ 610. With a structured donor recruitment process and unique pre-operative radiographic analysis we have successfully reduced our discard rates bi-annually making our bone bank increasingly cost-effective.

Turkish Banking Sector Credit-Deposit Developments Regionally Analysis (2005-2011

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Adalet HAZAR

2013-06-01

Full Text Available Banking sector takes over the mediation function between fund suppliers and demand. So by the time the financial system gets deeper, banking sector involves to the dinamics and becomes a vital part of economic growth. In our country which expressed as having insufficiant savings, regionally analising in 2005-2011 period developments is the purpose of this study. On the numerical estimations, in spite of having more capacity to purchase parity, big cities shows a higher performance for savings. However especially the cities in the regions of East and Southeast Anatolia, purchase capacity parity is lower and savings are under their own costs.

Economic growth and decline in mortality in developing countries: an analysis of the World Bank development datasets.

Science.gov (United States)

Renton, A; Wall, M; Lintott, J

2012-07-01

The 1999 World Bank report claimed that growth in gross domestic product (GDP) between 1960 and 1990 only accounted for 15% of concomitant growth in life expectancy in developing countries. These findings were used repeatedly by the World Health Organization (WHO) to support a policy shift away from promoting social and economic development, towards vertical technology-driven programmes. This paper updates the 1999 World Bank report using the World Bank's 2005 dataset, providing a new assessment of the relative contribution of economic growth. Time-series analysis. Cross-sectional time-series regression analysis using a random effect model of associations between GDP, education and technical progress and improved health outcomes. The proportion of improvement in health indicators between 1970 and 2000 associated with changes in GDP, education and technical progress was estimated. In 1970, a 1% difference in GDP between countries was associated with 6% difference in female (LEBF) and 5% male (LEBM) life expectancy at birth. By 2000, these values had increased to 14% and 12%, explaining most of the observed health gain. Excluding Europe and Central Asia, the proportion of the increase in LEBF and LEBM attributable to increased GDP was 31% and 33% in the present analysis, vs. 17% and 14%, respectively, estimated by the World Bank. In the poorest countries, higher GDPs were required in 2000 than in 1970 to achieve the same health outcomes. In the poorest countries, socio-economic change is likely to be a more important source of health improvement than technical progress. Technical progress, operating by increasing the size of the effect of a unit of GDP on health, is likely to benefit richer countries more than poorer countries, thereby increasing global health inequalities. Copyright © 2012 The Royal Society for Public Health. Published by Elsevier Ltd. All rights reserved.

Gestione delle acque, pace nel Medio Oriente e un ruolo per la Banca Mondiale (Water Management, Middle East Peace and a Role for the World Bank

Directory of Open Access Journals (Sweden)

Hossein Askari

2012-04-01

Full Text Available The region comprising North Africa and the Middle East is the driest in the world. Thus conflicts over water have been a part of the landscape. These conflicts over water are invariably seen as a zero sum game; such a view does not incorporate the notion that water is an economic good and is therefore scarce. Given the limitation of competitive markets, optimal water allocation could only but help. However, even if one country allocates water efficiently within its own territory, its allocation could be sub-optimal if water interdependencies with other countries are not incorporated in a regional optimization model. The World Bank is in the best position to adopt a regional optimization model and thus ameliorate water conditions in the Middle East and in other regions around the world.       JEL Codes: Q25, Q28, Q15, Q13Keywords: Water

THE OBJECTIVE OF ISLAMIC BANK: A CASE STUDY IN SURAKARTA REGION

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Ibrahim Fatwa Wijaya

2017-03-01

Full Text Available The purposes of this research were for exploring the perception of the Islamic Banking stakeholders relatedwith the objective of Islamic Banking that operated in the dual banking system, Indonesia and for measuringthe gap between the perception and expectation of the stakeholders toward the objective of Islamic bank. Theprimary data was collected by questionnaires. The Respondents were limited only in the Surakarta region.They were customers, lecturers, students, employees, bank managers, regulators, and ulama (Moslem religiousteachers. Factor analysis was conducted for grouping or classifying the variables into the same group whichhad the same characters while Kruskall Wallis test was used for examining the different perception among thestakeholders. At last, paired sample t-test was used to measure the gap between perception and expectationamong the stakeholders. The findings of this study were first, stakeholders concluded that social objective ofIslamic was more important than the commercial one; second, there was a significant different perception on theIslamic Banking objective among the stakeholders; and third, there was a gap between the perception andexpectation of the stakeholders about Islamic Banking objectives.

Knowledge-Based Country Programs : An Evaluation of World Bank Group Experience

OpenAIRE

Independent Evaluation Group

2013-01-01

The World Bank Group is currently engaged in reflection and debate on how to improve the delivery of development support. Part of this debate concerns strengthening the knowledge agenda. The findings of this evaluation are particularly relevant because they speak directly to questions that the institution is deliberating. In particular, they address four key aspects of the “science of delivery”: the role of local partners or local knowledge hubs; consultation with clients and other stakeholde...

Cash Flow Valuation in an Inflactionary World. The Case of World Bank for Regulated Firms

Directory of Open Access Journals (Sweden)

Ignacio Vélez-Pareja

2007-11-01

Full Text Available We show that project evaluation should be based on free cash flows at nominal prices. We present a case where the results from the constant price method are biased upwards and there is a risk to accept bad projects. It is a widespread practice to evaluate projects at constant prices. With an example presented in the training on economic regulation of public utilities developed by the World Bank Institute we asses that methodology. We show an overvaluation of 21% when compared with the current prices methodology and using a correct Weighted Average Cost of Capital, WACC.

Financing of LNG projects in developing countries and the role of the World Bank

International Nuclear Information System (INIS)

Levitsky, M.; Nore, P.

1992-01-01

The future quantities of capital required by the LNG industry will be very large. However, the continued rapid development of the industry is justified by the economic and environmental benefits of increased natural gas use. It is likely that the World Bank will continue to play a modest absolute role in supplying capital to the industry. The Bank can, however, play a crucial role in assisting governments in formulating appropriate energy policies and project development strategies and thereby creating the right policy and financial climate. The Bank can also provide a relatively modest amount of financial backing to projects, which nonetheless can help to generate larger volumes of finance from other sources. In the long run, LNG projects which are well structured and which operate within an appropriate policy environment should succeed in attracting financing even in today's more competitive environment

Social Gains from Female Education: A Cross-National Study. World Bank Discussion Papers 194.

Science.gov (United States)

Subbarao, K.; Raney, Laura

This paper on the social gains from female education is part of a series, prepared by the World Bank, on the benefits of improving opportunities for women. The paper suggests that expanding women's opportunities enhances their productivity and earning potential and thus contributes to better economic performance and poverty alleviation. Education…

The Effort to Create Customer Engagement on Customer E_Banking (Empirical Studies on Bank BNI Regional Semarang)

OpenAIRE

Alimuddin Rizal Rivai; Wahyudi Wahyudi

2016-01-01

                    This study focused on testing the effect of variable customer value, support systems and knowledge of the customer's products to customer satisfaction and its impact on customer engagement. This study selects the object user's e-banking customers of Bank BNI Regional Semarang. The number of samples in this study of 100 respondents, using purposive sampling technique sampling. Processing data using SPSS version 16.0. Based on a statistical test using linear regression appro...

The World Bank and Private Provision of Schooling: A Look through the Lens of Sociological Theories of Organizational Hypocrisy

Science.gov (United States)

Mundy, Karen; Menashy, Francine

2014-01-01

In this article, we explore how the World Bank operationalizes its focus on poverty alleviation in one of the most controversial arenas of educational change: the expansion of privately provided schooling. We argue that the Bank's role in promoting private provision has been far more complicated than most critics have discerned. It has…

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...

Measuring the usability of e-banking in Special Region of Yogyakarta

Directory of Open Access Journals (Sweden)

Hadyanawati Anindyya Agripina

2018-01-01

Full Text Available Online shopping is become an option because customers do not need to go to the store. Internet banking is a bank facility to help customers in common. This research is aim to know usability aspect of e-commerce banking. Data collection was done by distributing questionnaires in Yogyakarta Special Region. The number of respondents is 140 with the range of age 17-22 years. Anova is used as method research. The results showed that in each group show significantly different. Post hoc analysis explained that learnability and efficiency variable has significantly different, with value p<0,05. The highest average value is in the learnability variable and the lowest is the memorability variable.

Comparative Analysis of Levels of Banking Sector Markets Concentration in CEE Region

Directory of Open Access Journals (Sweden)

Kaličanin Tijana

2016-06-01

Full Text Available Banking sector is an important development factor of the total financial and economic system. Number of banks and dispersion of their individual shares defines competitive structure of banking sector, manifested by its concentration. Market concentration may be presented as a function of a number of enterprises competing in a market and their individual comparative market shares. Concentration analysis is significant with regard to the fact that the level of concentration demonstrates relations among competitors in a market, as well as influence each competitor has on consumers, branch and economy as a whole. Starting from 2008 crisis, domino effect of which hit banking sector and has had a huge impact on it, authors of this paper aimed at establishing a level of market concentration of the banking sector in Serbia and countries in the region in 2015 by application of a large number of market concentration indicators.

Bank storage buffers rivers from saline regional groundwater: an example from the Avon River Australia

Science.gov (United States)

Gilfedder, Benjamin; Hofmann, Harald; Cartwrighta, Ian

2014-05-01

Groundwater-surface water interactions are often conceptually and numerically modeled as a two component system: a groundwater system connected to a stream, river or lake. However, transient storage zones such as hyporheic exchange, bank storage, parafluvial flow and flood plain storage complicate the two component model by delaying the release of flood water from the catchment. Bank storage occurs when high river levels associated with flood water reverses the hydraulic gradient between surface water and groundwater. River water flows into the riparian zone, where it is stored until the flood water recede. The water held in the banks then drains back into the river over time scales ranging from days to months as the hydraulic gradient returns to pre-flood levels. If the frequency and amplitude of flood events is high enough, water held in bank storage can potentially perpetually remain between the regional groundwater system and the river. In this work we focus on the role of bank storage in buffering river salinity levels against saline regional groundwater on lowland sections of the Avon River, Victoria, Australia. We hypothesize that the frequency and magnitude of floods will strongly influence the salinity of the stream water as banks fill and drain. A bore transect (5 bores) was installed perpendicular to the river and were instrumented with head and electrical conductivity loggers measuring for two years. We also installed a continuous 222Rn system in one bore. This data was augmented with long-term monthly EC from the river. During high rainfall events very fresh flood waters from the headwaters infiltrated into the gravel river banks leading to a dilution in EC and 222Rn in the bores. Following the events the fresh water drained back into the river as head gradients reversed. However the bank water salinities remained ~10x lower than regional groundwater levels during most of the time series, and only slightly above river water. During 2012 SE Australia

The politics of entrapment : the World Bank, the integrated development model & citizenship at a crossroad

NARCIS (Netherlands)

P. Hatcher (Pascale)

2009-01-01

textabstractThe thesis is about the World Bank and the political dimensions of the new aid architecture. The new aid agenda, which emerged out of the post-Washington Consensus (PWC), has led to debates over its real significance. While Joseph Stiglitz has argued that the new consensus actually

Bank Consolidation, Internationalization, and Conglomeration; Trends and Implications for Financial Risk

OpenAIRE

Gianni De Nicolo; Mary G Zephirin; Philip F. Bartholomew; Jahanara Zaman

2003-01-01

This paper documents global trends in bank activity, consolidation, internationalization, and financial firm conglomeration, and explores the extent to which financial firm risk and systemic risk potential in banking are related to consolidation and conglomeration. We find that while there is a substantial upward trend in conglomeration globally, consolidation and internationalization exhibit uneven patterns across world regions. Trends in consolidation and conglomeration indicate increased r...

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 ...

Structural adjustment programmes on the African continent : the theoretical foundations of IMF/World Bank reform policies

NARCIS (Netherlands)

Meilink, H.A.

2003-01-01

Since the early 1980s the majority of countries in sub-Saharan Africa embarked on the implementation of IMF/World Bank designed 'structural adjustment programmes' (SAPs). This paper examines the theoretical underpinnings of the SAPs. It shows that IMF policies are based on a theoretical framework

WTO Accession, Foreign Bank Entry, and the Productivity of Chinese Manufacturing Firms

DEFF Research Database (Denmark)

Lai, Tat-kei; Qian, Zhenjie; Wang, Luhang

2016-01-01

After China’s accession to the World Trade Organization (WTO) in December 2001, foreign banks are allowed to enter the Chinese banking market in phases. Using firm-level data from the National Bureau of Statistics of China which cover all state-owned and non state-owned manufacturing firms...... with sales over 5 million RMB, we examine the relationship between foreign bank entry and the industry-level productivity growth of China’s manufacturing sector. Our empirical results suggest that (a) on average, opening up a region for foreign bank entry has no impact on aggregate productivity growth, (b...

Characteristics of soil seed bank in plantation forest in the rocky mountain region of Beijing, China

Institute of Scientific and Technical Information of China (English)

HU Zeng-hui; YANG Yang; LENG Ping-sheng; DOU De-quan; ZHANG Bo; HOU Bing-fei

2013-01-01

We investigated characteristics (scales and composition) of soil seed banks at eight study sites in the rocky mountain region of Beijing by seed identification and germination monitoring.We also surveyed the vegetation communities at the eight study sites to explore the role of soil seed banks in vegetation restoration.The storage capacity of soil seed banks at the eight sites ranked from 766.26 to 2461.92 seedsm-2.A total of 23 plant species were found in soil seed banks,of which 63-80％of seeds were herbs in various soil layers and 60％ of seeds were located in the soil layer at 0-5 cm depth.Biodiversity indices indicated clear differences in species diversity of soil seed banks among different plant communities.The species composition of aboveground vegetation showed low similarity with that based on soil seed banks.In the aboveground plant community,the afforestation tree species showed high importance values.The plant species originating from soil seed banks represented natural regeneration,which also showed relatively high importance values.This study suggests that in the rocky mountain region of Beijing the soil seed banks played a key role in the transformation from pure plantation forest to near-natural forest,promoting natural ecological processes,and the role of the seed banks in vegetation restoration was important to the improvement of ecological restoration methods.

World Bank agricultural policies, poverty and income inequality in Sub-Saharan Africa 1

OpenAIRE

Howard Stein

2010-01-01

The original logic underlying the World Bank's structural adjustment policies in Africa was that the removal of state-created distortions would not only improve efficiency in the operation of markets but also enhance income equality and reduce poverty. The paper explores the linkage between adjustment and the deteriorating income distribution and rising poverty in sub-Saharan Africa with a focus on the rural sector where most of the population earns its livelihoods. The pattern observed is 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...

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...

EVALUATING THE OVERALL TECHNICAL EFFICIENCY OF ISLAMIC BANKS OPERATING IN THE MENA REGION DURING THE FINANCIAL CRISIS.

Directory of Open Access Journals (Sweden)

Ali Said

2013-04-01

Full Text Available The present paper measured overall technical efficiency of Islamic banks operating in the MENA region during the financial crisis of 2007-2009 to address the question what are the levels of overall, pure technical and scale efficiency of Islamic banks operating in the MENA region and how they evolved during the financial crisis. This paper addresses this question technical, pure technical, and scale efficiency measures are analyzed by employing on-parametric technique, Data Envelopment Analysis (DEA. The study results suggested that Islamic banks in other MENA countries and North Africa on an average are relatively technically inefficient. This might be due to the underdeveloped banking system in those countries. In addition, the decomposition of technical efficiency into pure technical and scale efficiency shows that on average, the Islamic banks in North Africa counties and other MENA counties are having problems in the allocation of resources between their inputs and outputs mix compare to Islamic banks in GCC.

Sustainable Nuclear Fuel Cycles and World Regional Issues

Directory of Open Access Journals (Sweden)

Aleksandra Schwenk-Ferrero

2012-06-01

Full Text Available In the present paper we have attempted to associate quantified impacts with a forecasted nuclear energy development in different world regions, under a range of hypotheses on the energy demand growth. It gives results in terms of availability of uranium resources, required deployment of fuel cycle facilities and reactor types. In particular, the need to achieve short doubling times with future fast reactors is investigated and quantified in specific world regions. It has been found that a crucial feature of any world scenario study is to provide not only trends for an idealized “homogeneous” description of the global world, but also trends for different regions in the world. These regions may be selected using rather simple criteria (mostly of a geographical type, in order to apply different hypotheses for energy demand growth, fuel cycle strategies and the implementation of various reactor types for the different regions. This approach was an attempt to avoid focusing on selected countries, in particular on those where no new significant energy demand growth is expected, but instead to provide trends and conclusions that account for the features of countries that will be major players in the world energy development in the future.

What Drives Failed Policy at the World Bank? An inside Account of New Aid Modalities to Higher Education: Context, Blame, and Infallibility

Science.gov (United States)

Rappleye, Jeremy; Un, Leang

2018-01-01

This article analyses recent World Bank interventions aimed at improving higher education and local research capacity in low-income countries. Our empirical entry point is a critical analysis of the Development and Innovation Grant (DIG) scheme the Bank rolled out in Cambodia (2010-2015), a virtual carbon copy export of its Academic Initiative…

Business creation in Portugal: Comparison between the World Bank data and Quadros de Pessoal

OpenAIRE

Elsa Morais Sarmento; Alcina Nunes

2010-01-01

Portugal has some of the highest business entry rates when compared to other countries, according to Eurostat, Statistics Portugal and the OECD Entrepreneurship Indicators Programme. We look at business creation in Portugal, from 2000 to 2007, by approaching two other complementary data sources, the World Bank Group Entrepreneurship Survey, based on official Portuguese business register’s and the universe of active employer enterprises, obtained by applying to the dataset Quadros de Pessoal, ...

Neoliberalism revised? A critical account of World Bank conceptions of good governance and market friendly intervention.

Science.gov (United States)

Kiely, R

1998-01-01

This article examines recent World Bank reports on the role of the state in the development process, with particular reference to the rise of the East Asian newly industrializing countries and the crisis of "governance" in sub-Saharan Africa. The concepts of market friendly intervention and good governance are critically discussed, and are found to be inadequate as explanations for East Asian "success" and African "failure." The author presents an alternative explanation for the rise of the newly industrializing countries, which draws out some of the implications for the developing world.

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...

Article Review on World Bank Report, Optimal Design for a Minimum Wage Policy in Malaysia

OpenAIRE

Nurrachmi, Rininta; Mad-Ahin, Ashanee; Waeowanjit, Phimpaporn; Kareemarif Arif, Naz Abdul

2012-01-01

There are many pros and cons with the implementation of minimum wage in Malaysia, since it is the first time. This article review is to analyze the World Bank report on Malaysian minimum wage policy that will be implemented in 2013. There are strength and weakness on the report. Moreover the review will also be analyzed from Islamic perspective since majority population in Malaysia is Muslim.

Boron in seawater of Wadge bank region in the Indian Ocean

Digital Repository Service at National Institute of Oceanography (India)

Shirodkar, P.V.; Sankaranarayanan, V.N.

In the upper 200 m in the Wadge Bank region B varies from 3.09 to 4.95 mg.kg/1. B/Cl ratio ranges from 0.159 to 0.256. Depthwise distribution of B shows its inverse relationship with dissolved oxygen, direct relationship with inorganic phosphate...

From Globalization to Liquidation: The Deutsch-Asiatische Bank and the First World War in China

Directory of Open Access Journals (Sweden)

Ghassan Moazzin

2015-09-01

Full Text Available This article uses the case of the Deutsch-Asiatische Bank and its liquidation during the First World War to examine the challenges faced by German businesses during the war in China and China’s involvement in Allied economic warfare. This case suggests the detrimental effect that political crises and global shifts of power had on foreign businesses in modern China’s globalized treaty port economy. It also reveals China’s role in the global economic warfare of the Allies, showing that China first resisted Allied demands for a full liquidation of the German bank but eventually acquiesced to Allied pressure and handed control over the liquidation to the Allies. As a consequence, China ended up violating the very international law it had put so much value on when entering the war.

The World Bank's Position on Early Child Education in Brazil: A Critical Assessment of Contributions and Shortcomings

Science.gov (United States)

Fernandes, Sabrina

2014-01-01

In 2010, the World Bank published a policy study on early child education (ECE) developments in Brazil, entitled "Early Child Education: Making Programs Work for Brazil's Most Important Generation. Development." This paper analyses the report's assessment of ECE policy in Brazil as well as the recommendations it provides. A critical…

Government chartered banks step up oil and gas lending

International Nuclear Information System (INIS)

Crow, P.

1994-01-01

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

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.

Danske Bank - Imagekrise

OpenAIRE

Agerlin, Anne; Holmqvist, Maja

2014-01-01

This report examines and analyses the difference between Danske Bank's perception of themselves and the world's perception of the bank. The difference is illustrated, because tendency shows that boundaries have an effect on Danske Bank's image. We search through collected articles in a social constructivist perspective to handle both Danske Bank’s perception and the world’s perception. The empirical foundation has made it possible to process and interpret the stated problems. The adaptation i...

Tissue banking in a regional hospital: a promising future concept? First report on fresh frozen tissue banking in a hospital without an integrated institute of pathology.

Science.gov (United States)

von Strauss und Torney, Marco; Güller, Ulrich; Rezaeian, Farid; Brosi, Philippe; Terracciano, Luigi; Zuber, Markus

2012-10-01

Vital tissue provided by fresh frozen tissue banking is often required for genetic tumor profiling and tailored therapies. However, the potential patient benefits of fresh frozen tissue banking are currently limited to university hospitals. The objective of the present pilot study--the first one in the literature--was to evaluate whether fresh frozen tissue banking is feasible in a regional hospital without an integrated institute of pathology. Patients with resectable breast and colon cancer were included in this prospective study. Both malignant and healthy tissue were sampled using isopentan-based snap-freezing 1 h after tumor resection and stored at -80 °C before transfer to the main tissue bank of a University institute of pathology. The initial costs to set up tissue banking were 35,662 US$. Furthermore, the running costs are 1,250 US$ yearly. During the first 13 months, 43 samples (nine samples of breast cancer and 34 samples of colon cancer) were collected from 41 patients. Based on the pathology reports, there was no interference with standard histopathologic analyses due to the sample collection. This is the first report in the literature providing evidence that tissue banking in a regional hospital without an integrated institute of pathology is feasible. The interesting findings of the present pilot study must be confirmed by larger investigations.

Customers’ Switching Behavior In Banking In The Special Region Of Yogyakarta Province Indonesia

Directory of Open Access Journals (Sweden)

Rofiul Wahyudi

2017-11-01

Full Text Available This study aims to provide influence on the customer‟s switching behavior in islamic banking in the special region of Yogyakarta Province, Indonesia. Design/Methodology/Approach Multiple Regression were used to examine the influence of attitude towards switching, subjective norm, financial bonding, social bonding, structural bonding toward switching customers‟ behavior. Findings The result responses the variable of the attitude towards and subjective norm and financial bonding, social bonding, structural bonding significant to the switching intention to a conventional bank. Findings indicated it interaction between switching intention and customer satisfaction for customers‟ switching behavior. Research implication and recommendations Perhaps the most important finding of this research is those banking players particularly improvement customer satisfaction and identifying most factors driving intention to customers‟ switching.

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,…

The effectiveness of banking supervision

OpenAIRE

Davis, EP; Obasi, U

2009-01-01

Banking supervision is an essential aspect of modern financial systems, seeking crucially to monitor risk-taking by banks so as to protect depositors, the government safety net and the economy as a whole against systemic bank failure and its consequences. In this context, this paper seeks to explore the relationship between risk indicators for individual banks and the different approaches to banking supervision adopted around the world. This is the first work to make use of the currently avai...

[Progress report on a World Bank loan to China for a tuberculosis control project].

Science.gov (United States)

Zhao, F; Chi, Y; Wang, K

1995-02-01

The progress of the World Bank loaned TB control project implemented from the second quarter of 1991 to the fourth quarter of 1993 was described in this paper. In the past three years, 737 counties of the 12 provinces with the population of 360 million has been covered by the project. Among 95176 new smear positive cases discovered, 93909 patients received free treatment of TB. The treatment coverage is 98.7%, of which 95% were treated under full course supervision. The smear conversion rate at two, three months of new smear positive TB patients are 83.4% and 90.6% respectively. The cohort analysis showed that the cure rate is 89.8%, which has reached the advanced level of the modern national tuberculosis control programme in the world.

Change Management and Capacity Building for Regional Banking ...

African Journals Online (AJOL)

From the regulatory authorities led by the Central Bank of Nigeria (CBN), to each of the 25 banks that emerged, the successful conclusion of the first phase of banking reforms demonstrates a level of change management capacity deemed vital in successful corporate transformation. However, to successfully position ...

RELIGION AND BANKING SYSTEM: THE FUTURE OF SYARIAH BANKING PRACTICES Historical and Contemporary Fiqh Perspectives

Directory of Open Access Journals (Sweden)

Hamka Siregar

2014-12-01

Full Text Available The momentum of the development of Sharia banking has been noticed since the 1970s, which generally had two patterns: first, establishing the Islamic bank side by side with conventional one (dual-banking system as practiced in Egypt, Malaysia, Saudi Arabia, Jordan, Kuwait, Bahrain, and Bangladesh; and second, restructuring the banking system as a whole in accordance with Islamic Sharia (full-fledged Islamic financial system as applied in Sudan, Iran and Pakistan. The development of the Sharia-based banks which have been established across the world since the 1970s, became the motivation of the Indonesian ulemas to draft law on Sharia banking, so that Sharia banking could also be developed. As a result, these last few years, the banking world in Indonesia has witnessed the establishment of the public Sharia banks and Sharia business units, like Bank Muamalat and Bank Syariah Mandiri to mention a few. Using historical and contemporary jurisprudence perspective, this paper provides discussion on the future of Sharia banking.

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.

Faith-based Organisations, Development and the World Bank (abstract

Directory of Open Access Journals (Sweden)

Jeffrey Haynes

2013-02-01

Full Text Available Faith-based organisations (FBOs have increasingly become important actors in international development cooperation. Many international institutions recognise them as valuable partners and declare to have ‘mainstreamed faith’ within their own activities. But is this really the case? And how has this happened? Focusing on the activities of the World Bank in the 1995–2005 period, when, under the leadership of President James Wolfensohn and Katherine Marshall, then Head of the Bank’s Development Dialogue on Values and Ethics (DDVE, the institution engaged with some selected FBOs, this chapter enquires into the reasons for the Bank’s interest in faith as well as its sudden disappearance. It argues that the main rationale for engagement with faith lay in the disappointing results of previous secular strategies and the feeling that religion had a positive role to play in fighting poverty. However, diverging perceptions of poverty and development between states and religious entities, along with lingering suspicions among state officials about dealing with faith in the public realm, derailed the collaboration.

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

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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

In the Best Interests of Youth or Neoliberalism? The World Bank and the New Global Youth Empowerment Project

Science.gov (United States)

Sukarieh, Mayssoun; Tannock, Stuart

2008-01-01

Youth, and youth employment especially, have jumped to the forefront of the international development agenda, driven by new funding and reporting priorities of the World Bank and allied international and national aid organisations. Despite the seductive rhetoric of youth empowerment, however, we argue that the new turn to youth serves primarily to…

Investing in amnesia, or fantasy and forgetfulness in the World Bank's approach to healthcare reform in sub-Saharan Africa.

Science.gov (United States)

Epprecht, M

1997-01-01

"Investing in Health," the World Bank's 1993 World Development Report, and a follow-up report, "Better Health in Africa," advocate investments in Third World health sectors as a means of increasing individual productivity and strengthening economic growth. Both reports maintain that structural adjustment policies have enhanced the physical health of low-income populations by improving the fiscal health of business elites. This essay critiques the World Bank's approach through a historical analysis of health care problems in sub-Saharan Africa with an emphasis on the devastating effects of colonialism, patriarchy, and imperialism. Although these documents contain many useful recommendations for Western donors (e.g., recognition of the destructive potential of alcohol and tobacco, the need for state regulation over key parts of the health sector, and the effects of gender on health status), they reflect an "investment in amnesia" regarding historical evidence on health care reform in Africa and an erroneous assumption that Western biomedicine is politically neutral. Foreign aid has tended to serve the needs of multinational corporations rather than African populations. Recommended, in place of structural adjustment policies, are measures such as a massive rebuilding of Africa's urban infrastructure, the enforcement of minimum wage laws, the preservation of ecosystems that supply traditional medicines, attention to the ecologic and health consequences of economic growth, and a feminist-led reproductive rights movement.

Using Quantitative Data in World Bank Per-Student Funding Reform Projects: Data, Designs and Dilemmas in Transition Countries

Science.gov (United States)

Levacic, Rosalind

2014-01-01

Since the late 1980s, education systems have increasingly moved to allocating funding for general education by means of a per-student formula. The trend started with developed economies and moved to transition and developing economies, where the World Bank has promoted the adoption of per-student funding (PSF). But promoting a particular reform,…

Schistosomiasis control in China: the impact of a 10-year World Bank Loan Project (1992-2001).

Science.gov (United States)

Xianyi, Chen; Liying, Wang; Jiming, Cai; Xiaonong, Zhou; Jiang, Zheng; Jiagang, Guo; Xiaohua, Wu; Engels, D; Minggang, Chen

2005-01-01

China has been carrying out large-scale schistosomiasis control since the mid-1950s, but in the early 1990s, schistosomiasis was still endemic in eight provinces. A World Bank Loan Project enabled further significant progress to be made during the period 1992-2001. The control strategy was focused on the large-scale use of chemotherapy -- primarily to reinforce morbidity control -- while at the same time acting on transmission with the ultimate goal of interrupting it. Chemotherapy was complemented by health education, chemical control of snails and environmental modification where appropriate. A final evaluation in 2002 showed that infection rates in humans and livestock had decreased by 55% and 50%, respectively. The number of acute infections and of individuals with advanced disease had also significantly decreased. Although snail infection rates continued to fluctuate at a low level, the densities of infected snails had decreased by more than 75% in all endemic areas. The original objectives of the China World Bank Loan Project for schistosomiasis control had all been met. One province, Zhejiang, had already fulfilled the criteria for elimination of schistosomiasis by 1995. The project was therefore a success and has provided China with a sound basis for further control.

Adaptation funding and the World Bank investment framework initiative. Background Report prepared for the Gleneagles Dialogue Government Working Groups

International Nuclear Information System (INIS)

Mueller, B.

2006-06-01

The recent World Bank Report on 'Clean Energy and Development: Towards an Investment Framework' estimates that 'climateproofing' investments in developing countries - excluding additional investment needed to reduce the exposure to current climate risks and unavoided climate related damages - would cost between $9 and $41 billions annually. This raises two key questions that the government working groups in Mexico might wish to consider: The first question is How are the costs of climate-proofing investments in particular, and adaptation in general to be covered and managed? Depending on the types of costs related to adaptation and impacts, different forms of disbursement will have to be used to achieve the desired results. A number of financial tools are already in place or are being introduced which could be used for this purpose. Apart from the traditional instruments used in climate change funding to-date - such as the hitherto sole operating entity of the financial mechanism of the UNFCCC, i.e. the GEF - there are the following: The World Bank concept of an Investment Framework - this is probably most suited to deal with the transfer of adaptation technologies; Climate impact risks could be addressed through insurance-related instruments - these might be strictly climate related, or more general, such as the proposed European Commission / World Bank Global Index Insurance Framework; The funding of relief efforts connected with climate/weather related disasters is probably best dealt with through the proposed reform of existing disaster relief fund, administered by the UN Office for the Coordination of Humanitarian Affairs (OCHA); and Economic shocks due to whether related disasters could be dealt with through the Exogenous Shock Facility of the IMF. The instruments for disbursement of adaptation funding thus need not deal solely with climate change aspects, nor is necessary that they should be governed exclusively by the UNFCCC (COP) or the Kyoto Protocol (COP

World and regional labour force trends and prospects.

Science.gov (United States)

Ypsilantis, J N

1974-01-01

Changes in fertility during 1970-1985 will not have any effect on the composition of the world work force until 1985 because the people who will be of working age at that time have already been born. However, fertility for this period will directly influence the size of the age group 15-30 in the year 2000. Moreover, fertility trends for this period will have an indirect effect on participation of women in the labor force. The number of people in the labor force has proportionately followed total population. Just as total population is projected to increase in the single decade 1970-1980 by an amount equal to its size in 1750, so the labor force will increase by 360 million during the 1980's (its original size in 1750). By the end of the present century the world labor force may well number some 2,6000 million, reaching 3,000 million by the year 2010; 4,000 million by 2030; 5,000 million by 2070; and stabilizing at about 5,200 million by the end of the 21st century. There will be great regional variations. Increases will range from 20-35% in Europe and the U.S.S.R. to 100-120% in South Asia, Africa, and Latin America. For East Asia and North America the increases may amount to 60% by the year 2000 and 100% by 2050. In 1970 less developed regions had 2/3 the world's labor force; by 2000 they will have 3/4. In 1970 about 20% of the labor force in more developed regions were working in agriculture while in less developed regions 2/3 were so engaged. In other terms, in more developed regions 10 farmers supported 108 persons while in less developed regions 10 farmers supported only 38. According to Food and Agriculture Organization projections, by 2000 only 3.5% of the labor force in developed regions and 43.5% in less developed regions will be in agriculture. Differences in gross national product between regions is striking. In 1970 the less developed regions contained 70% of world population, 67% of the world labor force, 87% of the world agricultural labor, and

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.

Changes in Quantitative Indicators of Concentration in the Countries of this Region during the Transformation Period of Banking Systems

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Roman Šubić

2010-07-01

Full Text Available The reshaping processes of the banking systems in the countries of this region that involved the reorganization and restructuring of insolvent banks as well as the privatization of the state banks were aimed at setting up a framework within which banks would operate according to the modern market principles. With the opening of the banking market to foreign capital, the foreign banks have gained access to the banking market and have over a ten-year period significantly increased their market share. Due to the existing barriers to entry into the market, foreign-owned banks tended to use the strategy of buying shares in already-established banks rather than starting up a new bank. Comparisons between concentration indicators showed that there are differences among countries and mostly these differences result from the differences in the size of the banking systems and the size of national economies. Still, the values of quantitative indicators of concentration in countries with larger banking systems are lower than in countries with fewer banks.

World Regionalization of Climate Change(1961–2010)

Institute of Scientific and Technical Information of China (English)

Peijun; Shi; Shao; Sun; Daoyi; Gong; Tao; Zhou

2016-01-01

Traditional climate classification or regionalization characterizes the mean state of climate condition, which cannot meet the demand of addressing climate change currently. We have developed a climate change classification method, as well as the fundamental principles, an indicator system, and mapping techniques of climate change regionalization. This study used annual mean temperature and total precipitation as climatic indices, and linear trend and variation change as change indices to characterize climate change quantitatively. The study has proposed a scheme for world climate change regionalization based on a half century of climate data(1961–2010). Level-I regionalization divides the world into 12 tendency zones based on the linear trend of climate, level-II regionalization resulted in 28 fluctuation regions based on the variation change of climate. Climate change regionalization provides a scientific basis for countries and regions to develop plans for adapting to climate change, especially for managing climate-related disaster or environmental risks.

Dynamics of spatial clustering of schistosomiasis in the Yangtze River Valley at the end of and following the World Bank Loan Project.

Science.gov (United States)

Hu, Yi; Xiong, Chenglong; Zhang, Zhijie; Luo, Can; Ward, Michael; Gao, Jie; Zhang, Lijuan; Jiang, Qingwu

2014-06-01

The 10-year (1992-2001) World Bank Loan Project (WBLP) contributed greatly to schistosomiasis control in China. However, the re-emergence of schistosomiasis in recent years challenged the long-term progress of the WBLP strategy. In order to gain insight in the long-term progress of the WBLP, the spatial pattern of the epidemic was investigated in the Yangtze River Valley between 1999-2001 and 2007-2008. Two spatial cluster methods were jointly used to identify spatial clusters of cases. The magnitude and number of clusters varied during 1999-2001. It was found that prevalence of schistosomiasis had been greatly reduced and maintained at a low level during 2007-2008, with little change. Besides, spatial clusters most frequently occurred within 16 counties in the Dongting Lake region and within 5 counties in the Poyang Lake region. These findings precisely pointed out the prior places for future public health planning and resource allocation of schistosomiasis. Copyright © 2014 Elsevier Ireland Ltd. All rights reserved.

EFISIENSI BANK PEMBANGUNAN DAERAH: PENDEKATAN STOCHASTIC FRONTIER

Directory of Open Access Journals (Sweden)

Ahmad Husein Fadhlullah

2016-01-01

Full Text Available The objective of this research is to analyze the efficiency rate at Islamic regional banks (BPD in Indonesia, with case of 15 Islamic regional banks from 2008 – 2012. The method that used in this research is stochastic frontier analysis approach (SFA, which uses the input variable (such as human resources cost, administration cost, and other expenses and the output variable is SFA (operational income. The average efficiency rate from 15 Islamic regional banks from 2008 – 2012 with SFA method is 53.21 percent and all of the Islamic regional banks doesn’t achieve the 100 percent efficiency. The most efficient banks is Islamic regional bank of Kalimantan Barat which the efficiency rate achieve 90.42 percent and the most inefficiency banks is Islamic regional bank of Sumatera Barat. The average efficiency rate from 2008-2012 is always increase each year. In 2008 the average efficiency rate only 33.57 percent and in the last of 2012 achieve 71.81 percent.DOI: 10.15408/sjie.v4i1.2291

Maximizing the phylogenetic diversity of seed banks.

Science.gov (United States)

Griffiths, Kate E; Balding, Sharon T; Dickie, John B; Lewis, Gwilym P; Pearce, Tim R; Grenyer, Richard

2015-04-01

Ex situ conservation efforts such as those of zoos, botanical gardens, and seed banks will form a vital complement to in situ conservation actions over the coming decades. It is therefore necessary to pay the same attention to the biological diversity represented in ex situ conservation facilities as is often paid to protected-area networks. Building the phylogenetic diversity of ex situ collections will strengthen our capacity to respond to biodiversity loss. Since 2000, the Millennium Seed Bank Partnership has banked seed from 14% of the world's plant species. We assessed the taxonomic, geographic, and phylogenetic diversity of the Millennium Seed Bank collection of legumes (Leguminosae). We compared the collection with all known legume genera, their known geographic range (at country and regional levels), and a genus-level phylogeny of the legume family constructed for this study. Over half the phylogenetic diversity of legumes at the genus level was represented in the Millennium Seed Bank. However, pragmatic prioritization of species of economic importance and endangerment has led to the banking of a less-than-optimal phylogenetic diversity and prioritization of range-restricted species risks an underdispersed collection. The current state of the phylogenetic diversity of legumes in the Millennium Seed Bank could be substantially improved through the strategic banking of relatively few additional taxa. Our method draws on tools that are widely applied to in situ conservation planning, and it can be used to evaluate and improve the phylogenetic diversity of ex situ collections. © 2014 Society for Conservation Biology.

Engaging the banks: financing small-scale renewables in the developing world

International Nuclear Information System (INIS)

Usher, E.; Touhami, M.

2006-01-01

This article reports on the UN Environment Programme's (UNEP's) work in supporting the banking and financing sector by creating clean energy finance markets in developing countries. Details are given of the shifting of cash markets to credit, financing solar home systems in India, solar thermal lending in Tunisia, the financing of hotel based solar water heating in Morocco, and the Green Village Credit initiatives in the Yunnan province of China. The importance of providing banks with information needed to gain awareness and experience of renewable energy systems is stressed. The fundamentals of a bank engagement programme, financial catalysts, structuring market oriented approaches, and linking bank lending to policy making are discussed along with the need to shift to credit enhancements to help banks set up their first loan portfolios

Engaging the banks: financing small-scale renewables in the developing world

Energy Technology Data Exchange (ETDEWEB)

Usher, E.; Touhami, M.

2006-05-15

This article reports on the UN Environment Programme's (UNEP's) work in supporting the banking and financing sector by creating clean energy finance markets in developing countries. Details are given of the shifting of cash markets to credit, financing solar home systems in India, solar thermal lending in Tunisia, the financing of hotel based solar water heating in Morocco, and the Green Village Credit initiatives in the Yunnan province of China. The importance of providing banks with information needed to gain awareness and experience of renewable energy systems is stressed. The fundamentals of a bank engagement programme, financial catalysts, structuring market oriented approaches, and linking bank lending to policy making are discussed along with the need to shift to credit enhancements to help banks set up their first loan portfolios.

DEVELOPMENT OF ISLAMIC BANKING IN TURKEY

Directory of Open Access Journals (Sweden)

ISTVÁN EGRESI

2015-12-01

Full Text Available While the financial world is still dominated by conventional banks, based on western economic principles, the number of Islamic banks is on the rise. Islamic banks have originated from colonial India as a response of the Muslims to the British who attempted to westernize their society. Other similar financial operations based on Islamic Law (Shari’a were established in Pakistan, Malaysia and Egypt to facilitate access of rural poor to interest-free loans. However, being unprofitable, these operations did not survive for very long. Islamic banks, unlike conventional banks, are not based on interest and conduct their business in accordance with a wide array of ethical and moral issues. The modern phase of Islamic banking started in the 1970s when the Islamic Development Bank was founded in Saudi Arabia. Soon after, a number of commercial banks were established in the neighboring countries. From this core, over the last four decades, Islamic finance and banking has spread across the entire Muslim world and beyond to become a global phenomenon. This study examines the development of Islamic banking in Turkey in the wider context of global expansion. Turkey is an interesting case study because, although its population is nearly 100% Muslim, it is a secular state built on the model of Western European countries. However, lately, the moderate Islamic party in power since 2002 has shown some signs of openness towards a parallel banking system based on Islamic principles.

Promoting anti-corruption reforms. Evaluating the implementation of a World Bank anti-corruption program in seven African countries (1999-2001)

NARCIS (Netherlands)

Klein Haarhuis, C.M.

2005-01-01

This study offers an investigation of the implementation of a World Bank anti-corruption program, by applying various relevant social science theories and methods. The aim of the program is to provide countries with tools to build a relevant and participatory anti-corruption program. The study

Promoting anti-corruption reforms : Evaluating the implementation of a World Bank anti-corruption program in seven African countries (1999-2001)

NARCIS (Netherlands)

Klein Haarhuis, Carolien Maria

2005-01-01

This study offers an investigation of the implementation of a World Bank anti-corruption program, by applying various relevant social science theories and methods. The aim of the program is to provide countries with tools to build a relevant and participatory anti-corruption program. The study

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...

Polonium-210 in marine bivalves inhabiting a wedge bank region, South India

International Nuclear Information System (INIS)

Feroz Khan, M.; Godwin Wesley, S.; Rajan, M.P.

2013-01-01

Determination of background radiation dose-rate is important in the process of assessing risks to the environment from exposure to living organisms both in terms of deriving the incremental dose-rate and as a point of reference for evaluating the significance of the exposure level. In the present study, 210 Po was quantified in two species of bivalve mollusks commonly available from so called a 'wedge bank region' of southern tip of India. Based on the activity concentration in media and in the whole body, an external and internal dose rate assessment to green mussel Perna viridis and brown mussel Perna indica due to 210 Po was derived using ERICA assessment tool. The samples were collected at the intertidal region along the wedge bank region of southern tip of India during 2009 to 2010. The measurement contributes to a better knowledge of these elements, since no data exists in this region. 5-10 g of each tissue sample was wet-digested using 70% concentrated HNO 3 followed by the addition of 40% H 2 O 2 along with 20 8Po tracer (0.2 Bq). The normality of the data set was checked using Lilliefors test (ne''50) and potential outliers, if any, were tested using Walsh's test (n>60). Using the measured 210 Po activity in molluscs, sediments and seawater, dose assessment was performed using the Tier 2 ERICA environment dose assessment tool 1.0

The Solar Bank concept

International Nuclear Information System (INIS)

Eckhart, M.T.

1999-01-01

The Solar Bank is proposed to be established as a multinational wholesale lending institution supporting the adoption of solar photovoltaic (PV) systems by as much as 40% of the world's population. It would supply capital resources to local lending institutions such as banks, credit unions, cooperatives, and rural lending organizations in the developing countries, and to financial institutions in the developed countries. The Solar Bank is intended to be global in scope, with operations in the major countries. The Solar Bank will bring a degree of standardization to the process of making small loans to many people for the purchase of PV systems, and it will provide technical support and training to its participating financial institutions. 'Solar Bank International' is likely to be headquartered in Europe. (orig.)

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....

Coping with poverty in international assistance policy: an evaluation of spatially integrated investment strategies. [World Bank, USAID, and UN

Energy Technology Data Exchange (ETDEWEB)

Rondinelli, D A [Syracuse Univ., NY; Ruddle, K

1978-04-01

International assistance agencies have turned increasingly to integrated rural development policies in an attempt to ameliorate the inequitable distribution of economic growth plaguing Third World nations since World War II. This paper reviews the functionally and spatially integrated investment strategies of the World Bank, US Agency for International Development, and the United Nations, outlines their objectives, perceptions of the problem, basic assumptions and programs, and evaluates them in terms of potential difficulties for implementation. Those factors crucial to making integrated development policies operational--knowledge of human ecosystems in rural areas, analytical ability, operational procedures, arrangements for local participation, subsistence systems indicators and administrative capacity of local and national governments--are discussed and assessed.

Information and communication technology and bank performance ...

African Journals Online (AJOL)

Different sectors of world economies are rapidly being affected by improved technology. Banking sector is also witnessing the trend in Nigeria. Information and communication Technology is said to have impacted the banking sector massively as the banks in Nigeria introduce products that would help improve their efficiency ...

The adoption of "transformational mobile banking" by the unbanked

DEFF Research Database (Denmark)

Tobbin, Peter Ebo

2012-01-01

Whereas the number of people using mobile phones grows tremendously across the developing world, the number of people having a bank account is still very low. A recent report shows that over half the population of the world is unbanked, a majority of which are rural dwellers in the developing world....... The primary aim of this exploratory study is to examine whether or not m-banking services can be transformational. During the study, an extensive review of the literature on the unbanked and the adoption of m-banking services was conducted. This was followed by a focus group discussion which was conducted...... among the unbanked rural dwellers in Ghana. The current study concludes that the transformational potential of m-banking could be realised if beyond access, the other barriers to having a bank account, which include affordability, trust, convenience and documentation are addressed effectively in its...

Were the hydro dams financed by the World Bank from 1976 to 2005 worthwhile?

International Nuclear Information System (INIS)

Awojobi, Omotola; Jenkins, Glenn P.

2015-01-01

Because hydro dams are complex to design and usually involve long-term planning, they are particularly susceptible to cost and time overruns. The controversy surrounding their development remains an unresolved issue in the energy policy debate. This study re-examines the cost issues associated with a portfolio of 58 dams that were financed by the World Bank from 1976 to 2005. Further, an estimate is made of the value of the benefits produced by these investments to determine the magnitude of economic rates of return for the individual projects and the overall portfolio of dams. Even though this portfolio of dams suffered substantially from cost overruns, the net contribution of these dams has been positive and substantial. The ex-post real economic rate of return for the entire portfolio is estimated to be greater than 17 percent. The important policy implication of this study is that each investment in a hydro dam needs to be appraised taking into consideration the distribution and probabilities of costs that might be incurred, as well as the potential benefits. Adequate margins must exist of ex-ante benefits over costs to account for the risks of cost overruns. - Highlights: • An ex-post evaluation is made of hydroelectric dams financed by the World Bank. • Cost overruns, time overruns, and the cost of time overruns are measured. • The PV of benefits produced by this portfolio was 1.8 times the PV of the costs. • Real cost overruns were 27% and cost of time overruns 3.5% of ex-ante costs. • Risks of cost overruns must be evaluated in relation to projected benefits of dams.

A Green Bank Telescope Survey of Large Galactic H II Regions

Science.gov (United States)

Anderson, L. D.; Armentrout, W. P.; Luisi, Matteo; Bania, T. M.; Balser, Dana S.; Wenger, Trey V.

2018-02-01

As part of our ongoing H II Region Discovery Survey (HRDS), we report the Green Bank Telescope detection of 148 new angularly large Galactic H II regions in radio recombination line (RRL) emission. Our targets are located at a declination of δ > -45^\\circ , which corresponds to 266^\\circ > {\\ell }> -20^\\circ at b=0^\\circ . All sources were selected from the Wide-field Infrared Survey Explorer Catalog of Galactic H II Regions, and have infrared angular diameters ≥slant 260\\prime\\prime . The Galactic distribution of these “large” H II regions is similar to that of the previously known sample of Galactic H II regions. The large H II region RRL line width and peak line intensity distributions are skewed toward lower values, compared with that of previous HRDS surveys. We discover seven sources with extremely narrow RRLs 100 {pc}, making them some of the physically largest known H II regions in the Galaxy. This survey completes the HRDS H II region census in the Northern sky, where we have discovered 887 H II regions and more than doubled the size of the previously known census of Galactic H II regions.

GREEN BANKING IN ROMANIA

Directory of Open Access Journals (Sweden)

Dumitrascu Mihaela

2014-07-01

Full Text Available The paper investigates the green banking in Romania, a new approach of conducting the banking business through considering the corporate social responsibility and environmental aspects. Nowadays, it is difficult to face the globalization and competition in order to asssure the implementation of the green banking practices. The aim of the present study is to identify corporations that have sustainability concerns. To achieve this objective, we set some hypothesis and after this we showed that the corporations are more likely to be included in the list of top banks in the world. Our study is relevant for future research in this area, because of the importance of such aspects in corporations nowadays.The conclusions of our study is that green banking practices in Romania is in an incipient stage

The Determinants of Employee Productivity in Regional Office of Bank Negara Indonesia Manado

OpenAIRE

Mokolensang, Pricilia Monica

2013-01-01

A company can achieve success when supported with a good employee productivity that can provide benefits to the company. In banking company such as BNI requires to increase employee productivity that can assist the company in the achievement of the goals of the company itself. This research has the objective to know the factors that drive employee productivity in the Regional Office of BNI Manado. The population examined is all the employees who work in Regional Office of BNI Manado with 70 e...

Financial gradualism and banking crises in North Africa region: an investigation by a panel logit model

OpenAIRE

KHATTAB, Ahmed; IHADIYAN, Abid

2017-01-01

Abstract. In order to overcome the troubles of the crisis in the seventies, North African countries have adopted financial liberalization policies to enhance their economic growth. Moreover, these policies have affected the stability of their banking systems. The purpose of this study is to test the impact of financial liberalization on the probability of appearance of banking crises which covers a sample of four countries of the North Africa region during the period 1970-2003 by using a pane...

2010 FIFA World Cup stadium investment: Does the post-event ...

African Journals Online (AJOL)

Bank Stadium (Soccer City) in Johannesburg and construct five new ... In South Africa's case, many ... studied. Much academic effort has been invested in the development of ... the construction costs and upgrades to stadiums, France, who hosted the WC in ..... the Economic Impact of the World Cup', Regional Studies, vol.

World Bank Research Digest, Vol. 5(2)

OpenAIRE

World Bank

2011-01-01

In this issue: growth and development at the center of the G-20 agenda; food price inflation in South Asia: crisis revisited? How fast can Egypt grow? Sustainable energy policy and nuclear power; access to HIV/AIDS treatment and risky sexual behaviors; the investment climate when firms have climate control; and bank capital: lessons from the financial crisis.

Teaching Critical Thinking in World Regional Geography through Stakeholder Debate

Science.gov (United States)

Sziarto, Kristin M.; McCarthy, Linda; Padilla, Nicholas L.

2014-01-01

Using a stakeholder debate based on a real-world case of regional construction--that of Turkey's application to join the European Union--improved students' critical thinking in an introductory world regional geography course. Such courses are a staple offering among US geography departments, and often the only exposure of non-majors to geographic…

BANKING ETHICS: MAIN CONCEPTIONS AND PROBLEMS

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VALENTINA FETINIUC

2014-10-01

Full Text Available Banking ethics is a specialized set of ethical standards and rules that should be followed in the activities of financial institutions and employees of the banking sector. But despite the simplicity of the definition, in the modern world, this concept becomes complex and ambiguous. The importance of studying this subject is defined by the fact that the ethical behavior of the bank and bank employees promotes banking. At present there are several conceptions of banking ethics: general ethics, regulated ethics and ethical bank. The most common practice is to regulate internal and external relations of banks and bank workers with ethical codes. At the same time, studies show the existence of problems in the banking standards of ethics, which negatively affects the financial institution. This article is intended to reflect main tendencies and problems of banking ethics at international level and experience of Republic of Moldova in this field.

Plant DNA banks for genetic resources conservation (review

Directory of Open Access Journals (Sweden)

Н. Е. Волкова

2016-12-01

Full Text Available Purpose. Literature review of DNA banks creation as the current strategy of plant genetic resources conservation. Results. The current state of plant genetic resources conservation was analyzed in the context of the threat of gene­tic erosion. The importance of DNA banks was shown which function is to store DNA samples and associated products and disseminate them for research purposes. The main DNA banks in the world were described, including the Republican DNA Bank of Human, Animals, Plants and Microorganisms at the Institute of Genetics and Cytology of the National Academy of Sciences of Belarus. Stages of DNA banking were considered: tissue sampling (usually from leaves, cell destruction, DNA extraction, DNA storage. Different methods of tissue sampling, extraction and DNA storage were compared. The need for Plant DNA Bank creation in Ukraine was highlighted. Conclusions. DNA collections is an important resource in the global effort to overcome the crisis in biodiversity, for managing world genetic resources and maximi­zing their potential.

Efficiency Analysis of Islamic Banks in the Middle East and North Africa Region: A Bootstrap DEA Approach

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Raéf Bahrini

2017-02-01

Full Text Available This paper measures and analyzes the technical efficiency of Islamic banks in the Middle East and North Africa (MENA region during the period 2007–2012. To do this, the bootstrap Data Envelopment Analysis (DEA approach was employed in order to provide a robust estimation of the overall technical efficiency and its components: pure technical efficiency and scale efficiency in the case of MENA Islamic banks. The main results show that over the period of study, pure technical inefficiency was the main source of overall technical inefficiency instead of scale inefficiency. This finding was confirmed for all MENA Islamic banks as well as for the two subsamples: Gulf Cooperation Council (GCC and non-GCC Islamic banks. Furthermore, our results show that GCC Islamic banks had stable efficiency scores during the global financial crisis (2007–2008 and in the early post-crisis period (2009–2010. However, a decline in overall technical efficiency of all panels of MENA Islamic banks was recorded in the last two years of the study period (2011–2012. Thus, we recommend that MENA Islamic bank managers focus more on improving their management practices rather than increasing their sizes. We also recommend that financial authorities in MENA countries implement several regulatory and financial measures in order to ensure the development of MENA Islamic banking.

CONCEPT AND EVOLUTION OF BANK MARKETING

OpenAIRE

Turkes (Vînt) Mirela Catalina

2010-01-01

The bank marketing, a specialized field of the marketing, has emerged following the extensive development of the general marketing and following the appearance, separation and development of services marketing. The article shows the appearance, development and delimitation of the bank marketing concept following the increase of the financial-banking sector in all world countries due to the appearance of new competitors and the competition intensification. The research consisted in presenting ...

Communicative principles among corporate clients and regional branches of commercial banks

OpenAIRE

Asie TSINTSADZE; Lela ONIANI

2014-01-01

The aim of this article is to discuss the share of consumption taken by the corporate clients in the autonomous republic of Adjara. It is remarkable that the most of the share of banks’ total incomes are formed exactly on the base of accumulated resource accounts of corporate clients. So in order to attract corporate clients in the region, there is a great and strong competition among the banks. According to the above mentioned information, we are discussing several principles concerning to t...

Electronic banking

OpenAIRE

Gradišnik, Monika

2017-01-01

The development of information and communication technology is one of the most important reasons for the incredibly fast changes in business. Electronic commerce is spreading unstoppably in the operations of companies. The creation of new models, such as online banking, online shopping and the like, has sped up the development of the World Wide Web. Owing to the rapid progress of the World Wide Web and technologies for secure business operations, we can barely imagine life today without e...

Barriers to Banking - Towards an Inclusive Banking Environment in South Africa.

Science.gov (United States)

Martinson, Estelle; Martinson, Johannes

2016-01-01

A recent study in South Africa on the barriers to banking which involved customers in three disability groups namely mobility, hearing and vision has highlighted that currently banking in South Africa is not accessible. Customers with a disability are unable to independently use banking services across a wide range of channels. Exclusion from something as fundamental as managing their own financial affairs raise serious human rights concerns and requires committed action from decision-makers to address this. The fact that solutions to all of the identified barriers have been successfully implemented in banks in other parts of the world for many years emphasize that this is not a technical challenge. While some solutions require complex or expensive changes such as removing physical access barriers and ensuring that digital channels meet internationally accepted standards of accessibility, there are many simple and low-cost solutions which can be implemented immediately and would make a world of difference to these customers and their experience of banking. One key barrier which emerged in all the focus groups and surveys is attitudinal barriers - staff who are unwilling to assist, impatient, interact with the customer's assistant instead of directly with them and lack basic skills on how to interact with someone who has a disability. A comprehensive framework of banking was used to identify a wide range of barriers. The barriers were classified as attitudinal, barriers to physical access, digital access barriers, barriers to information, communication barriers and some generic concerns such as safe evacuation during emergencies and alternative authentication. Both the barriers and the solutions where ranked by participants. From a theoretical perspective, the benefit of a customer-centric approach to understanding these barriers and the innovation potential of a Universal Design approach is affirmed by this study.

The Regional Sales of Multinationals in the World Cosmetics Industry

OpenAIRE

Chang Hoon Oh; Alan M. Rugman

2006-01-01

This paper analyzes the regional characteristics and strategies of multinational enterprises (MNEs) in the world cosmetics and toiletries industry, based on the new work by Rugman on regional strategy. We test the proposition that MNEs may asymmetrically develop their upstream and downstream firm specific advantages (FSAs). We find that the upstream activities of the MNEs in cosmetics are home region based but that downstream activities are less so. Further, the asymmetry of FSAs in the world...

Diffuse Agency and Institutional Dynamics in Global Governance – the Cases of the World Bank and the WTO

DEFF Research Database (Denmark)

Strange, Michael Stewart; Aagaard, Peter

change occurs through the introduction, framing and facilitation of new paradigms, programmes and public opinions. Consequently, it cannot be limited to a narrow elite but involves a wider intellectual exchange between academics, policy practitioners, media professionals, NGOs and private firms...... governance involves multiple actors who by their engagement are themselves changed. To better understand this process, the paper will consider normative change within global governance in the cases of the World Bank and the WTO....

Economics, health and development: some ethical dilemmas facing the World Bank and the international community.

Science.gov (United States)

Wagstaff, A

2001-08-01

The World Bank is committed to "work[ing] with countries to improve the health, nutrition and population outcomes of the world's poor, and to protect[ing] the population from the impoverishing effects of illness, malnutrition and high fertility".(1) Ethical issues arise in the interpretation of these objectives and in helping countries formulate strategies and policies. It is these ethical issues--which are often not acknowledged by commentators--that are the subject of this paper. It asks why there should be a focus on the poor, and explores the link between improving the health of the poor, and reducing health inequalities between the poor and better-off. It discusses difficult ethical issues at both the global level (including debt relief and the link between country ownership and donor commitment) and the country level (including user fees and whether providing assistance to the non-poor may in the long run be a way of helping the poor).

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

The oil world war

International Nuclear Information System (INIS)

Lafargue, F.

2008-01-01

Since the beginning of the 21. century, a war has started between the USA, China and India. The USA, first oil consuming and importing country in the world, has now to take into account the increasing energy consumption of China and India. China is now, just behind Japan, the third oil importing country and India ranked number seven. From the Gulf of Guinea to the Arabic peninsula, from the Orenoque basin to the Caspian sea banks, Washington, Beijing and New Delhi covet the same oil fields. This rivalry exacerbates the political tensions in many regions of the Earth and already provokes a latent food crisis. This black gold war is changing the World's face and should provoke serious armed conflicts. (J.S.)

E-Banking and its features - Albania as a special case

Directory of Open Access Journals (Sweden)

Ermela Bashuri

2016-03-01

Full Text Available The e-banking system is a system which enables customers of financial institutions to perform financial transactions such as: balance inquiries, account transfers, bill payments and some of them offer even the possibility to make loan or credit card applications on a website operated by the institution via internet at any place or time. The e-banking is referred to as online banking or internet banking. The banks have chosen to be part of the wide world of Web in order to stay competitive in the fast changing world of business and also to take further advantages. This innovation (accompanied by globalization and technology development has”obliged” the business entities to redefine and remodel their operations. Electronic banking is the wave of the future. It provides enormous benefits to consumers in terms of the ease and cost of transactions. But it also poses new challenges for country authorities in regulating and supervising the financial system and in designing and implementing macroeconomic policy. In the first section there is an overview of E-banking products and services offered world wide and in Albania as a special case. In the second section there is a general overview of the e-banking advantages and disadvantages. In the third part there is a discussion above the features, challenges, advantages and disadvantages of E-Banking vs traditional banking. In the last part there are given some general recommendations to be taken in consideration in order to maintain effective and to further develop the operating environment for the existing and potential e-banks.

CONCEPT AND EVOLUTION OF BANK MARKETING

Directory of Open Access Journals (Sweden)

Turkes (Vint Mirela Catalina

2010-12-01

Full Text Available The bank marketing, a specialized field of the marketing, has emerged following the extensive development of the general marketing and following the appearance, separation and development of services marketing. The article shows the appearance, development and delimitation of the bank marketing concept following the increase of the financial-banking sector in all world countries due to the appearance of new competitors and the competition intensification. The research consisted in presenting the evolution stages of the bank marketing and the manner in which the concept has been approached and perceived, in time, by various Romanian and foreign specialists. Through analysis, I have shown the importance of including the bank marketing concept into the assembly of tactical and strategic decisions of the banking companies.

Design considerations of the World Bank-assisted $55 million photovoltaic market development project in India

International Nuclear Information System (INIS)

Cabraal, A.; Bradley, J.

1993-01-01

The World Bank's first loan for photovoltaic (PV) power systems was approved on December 17, 1992. The $55-million project will offer concessional financing through the Indian Renewable Energy Development Agency (IREDA) for the purchase of PV systems. The objective of the PV Market Development Project is to encourage the establishment of sustainable product supply, delivery, after-sales service, and financing mechanisms to support marketing PV products on a commercial basis. This paper outlines the issues and steps involved in the project design including: (1) technical viability, (2) financial and economic viability, (3) infrastructure issues, and (4) the economic and financial viability of the project as a whole

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 ...

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

Directory of Open Access Journals (Sweden)

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.

Appreciating diversity: Regulatory reform and banking practices in the developed and developing worlds

Directory of Open Access Journals (Sweden)

Jayati Ghosh

2012-12-01

Full Text Available The homogenisation of finance that has dramatically increased the proclivity to instability and crisis is directly related to the very structure of regulations that have discouraged different types of institutions from emerging and/or and surviving. In developing countries they have the further limitation of preventing the necessary variation of financial institutions that is required for financing development and enlarging the spread of and access to institutional finance. The rules that apply to commercial banks or investment banks cannot and should not be applied to development banks, savings banks or co-operative banks. Diversity in the financial system can and should be encouraged at several levels and through several means.

The Effort to Create Customer Engagement on Customer E_Banking (Empirical Studies on Bank BNI Regional Semarang

Directory of Open Access Journals (Sweden)

Alimuddin Rizal Rivai

2016-12-01

Full Text Available                     This study focused on testing the effect of variable customer value, support systems and knowledge of the customer's products to customer satisfaction and its impact on customer engagement. This study selects the object user's e-banking customers of Bank BNI Regional Semarang. The number of samples in this study of 100 respondents, using purposive sampling technique sampling. Processing data using SPSS version 16.0. Based on a statistical test using linear regression approach, then of seven hypothesis there are two hypotheses were rejected. The hypothesis is rejected is the influence of customer value on customer engagement, and support systems to customer engagement. While five other hypotheses, namely: the influence of the customer value, support systems, knowledge products to the satisfaction of the customer, as well as the effect of product knowledge and customer satisfaction on customer involvement is proven. Based on the results of this study, it can be concluded that to build customer engagement should be created customer satisfaction. While such satisfaction can be created through providing better customer value, the support system is up to date and easy, and provides knowledge products to customers continuously and thoroughly.

BANK FAILURE PREDICTION WITH LOGISTIC REGRESSION

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Taha Zaghdoudi

2013-04-01

Full Text Available In recent years the economic and financial world is shaken by a wave of financial crisis and resulted in violent bank fairly huge losses. Several authors have focused on the study of the crises in order to develop an early warning model. It is in the same path that our work takes its inspiration. Indeed, we have tried to develop a predictive model of Tunisian bank failures with the contribution of the binary logistic regression method. The specificity of our prediction model is that it takes into account microeconomic indicators of bank failures. The results obtained using our provisional model show that a bank's ability to repay its debt, the coefficient of banking operations, bank profitability per employee and leverage financial ratio has a negative impact on the probability of failure.

Submission to the Georges Bank Review Panel

Energy Technology Data Exchange (ETDEWEB)

Rankin, E.; Butler, M.; Church, T.

1999-01-01

The Georges Bank, off southwestern Nova Scotia, is one of the most biologically productive continental shelf ecosystems in the world. It supports a wide diversity of species, including many seabirds. In 1988, federal and provincial legislation placed a moratorium on petroleum exploration and drilling on the Georges Bank, directing the ministers of Natural Resources Canada, and of the Nova Scotia Department of Natural Resources to make a decision regarding the moratorium by January 1, 2000. This report by the Ecology Action Centre (EAC) asks the Georges Bank Review Panel to recommend extending the moratorium on Georges Bank and adjacent areas until 2012, in part to match the American moratorium. Other reasons why the panel made this recommendation were explored. The principal reason is the EAC concern that when the moratorium is lifted, several oil and gas developments will proceed in this ecologically significant offshore area that could result in the loss of the ecological integrity of Georges Bank. The EAC contends that before oil and gas development in the region could begin, the following issues would have to be resolved: (1) disposal of drill muds and cuttings, (2) volume and disposal of produced water, (3) effects of small and large spills, (4) impact of seismic activities on whales and turtles, and (5) carbon dioxide emission through venting and flaring. Also, the EAC does not believe that developing Georges Bank will create as many jobs in the affected communities as some people suggest. Lifting the moratorium by Canada would also frustrate American environmental goals, as well as compromise Canada`s position in international environmental partnerships such as the Gulf of Maine Council. 19 refs., tabs., figs.

Submission to the Georges Bank Review Panel

International Nuclear Information System (INIS)

Rankin, E.; Butler, M.; Church, T.

1999-01-01

The Georges Bank, off southwestern Nova Scotia, is one of the most biologically productive continental shelf ecosystems in the world. It supports a wide diversity of species, including many seabirds. In 1988, federal and provincial legislation placed a moratorium on petroleum exploration and drilling on the Georges Bank, directing the ministers of Natural Resources Canada, and of the Nova Scotia Department of Natural Resources to make a decision regarding the moratorium by January 1, 2000. This report by the Ecology Action Centre (EAC) asks the Georges Bank Review Panel to recommend extending the moratorium on Georges Bank and adjacent areas until 2012, in part to match the American moratorium. Other reasons why the panel made this recommendation were explored. The principal reason is the EAC concern that when the moratorium is lifted, several oil and gas developments will proceed in this ecologically significant offshore area that could result in the loss of the ecological integrity of Georges Bank. The EAC contends that before oil and gas development in the region could begin, the following issues would have to be resolved: (1) disposal of drill muds and cuttings, (2) volume and disposal of produced water, (3) effects of small and large spills, (4) impact of seismic activities on whales and turtles, and (5) carbon dioxide emission through venting and flaring. Also, the EAC does not believe that developing Georges Bank will create as many jobs in the affected communities as some people suggest. Lifting the moratorium by Canada would also frustrate American environmental goals, as well as compromise Canada's position in international environmental partnerships such as the Gulf of Maine Council. 19 refs., tabs., figs

Skin banking at a regional burns centre-The way forward.

Science.gov (United States)

Keswani, Sunil Manohar; Mishra, Mukesh Gopinath; Karnik, Shilpa; Dutta, Shruti; Mishra, Mamata; Panda, Sangita; Varghese, Reshmi; Virkar, Tanvi; Upendran, Vaishna

2018-04-13

In India approximately 1 million people get burnt every year and most of them are from the lower or middle income strata. Therefore it is obligatory to find out an economic way of treatment for the affected populace. Since use of human skin allograft is the gold standard for the treatment of burn wound, in-house skin banking for a burn unit hospital is prerequisite to make the treatment procedure affordable. Although, there was one skin bank at India till 2009, but it was difficult for a single bank to cover the entire country's need. Looking at the necessities, National Burns Centre (a tertiary burn care centre) along with Rotary International and Euro Skin Bank collaborated and developed an effective cadaveric skin banking model in Mumbai, Maharashtra in 2009. Initial two to three years were formation phase; by the year 2013 the entire system was organized and started running full fledged. The model has also been replicated in other states of India to accommodate the large burn population of the country. This paper therefore, gives a step by step account of how the bank evolved and its present status. Copyright © 2017. Published by Elsevier Ltd.

ELECTRONIC BANKING ADVANTAGES FOR FINANCIAL SERVICES DELIVERY

Directory of Open Access Journals (Sweden)

Paun Dragos

2010-12-01

Full Text Available E-banking is a fully automatic service for traditionally banking customers products based on information technology platforms. E-banking services provide customer access to accounts, the ability to move their money between different accounts or making payments via e-channels. The advantages generated by this services have determined an accelerate developing of this industry over the entire world. This paper examines some of the advantages of electronic banking products together with the characteristic management issues generated by the implementation of this new channel for financial services delivery.

Spatial comparison of areas at risk for schistosomiasis in the hilly and mountainous regions in the People's Republic of China: evaluation of the long-term effect of the 10-year World Bank Loan Project.

Science.gov (United States)

Zhang, Zhi-Jie; Zhu, Rong; Bergquist, Robert; Chen, Dong-Mei; Chen, Yue; Zhang, Li-Juan; Guo, Jia-Gang; Zhao, Fei; Jiang, Qing-Wu

2012-05-01

The long-term effectiveness of the mainly chemotherapy-based control strategy of the World Bank Loan Project (WBLP) for schistosomiasis control in Chinese hilly and mountainous regions was evaluated with a view to determine the best road forward. Based on the national database of schistosomiasis prevalence for the periods of 1999-2001 and 2007-2008 in the People's Republic of China, a Bayesian regression model was used for spatial comparison of schistosomiasis risk distribution between two periods taking account of all the potential risk factors simultaneously through two latent components of random effects: spatially correlated heterogeneities (CH) and spatially uncorrelated heterogeneities (UH). Four different types of endemic areas were investigated: those that remained endemic despite control efforts (17 or 37.8%), those that became non-endemic (9 or 20.0%), those that reverted back to endemicity (7 or 15.6%), and those with fluctuating endemicity (12 or 26.7%). The overall prevalence of schistosomiasis was lower in 2007-2008 compared with that in 1999-2001, but the spatial distribution of risk remained similar. Compared to 1999-2001, the magnitude and range of risk even tended to be greater in 2007-2008. UH showed a fluctuating pattern, while CH increased gradually doubling over the two periods. There was no evidence for long-term effectiveness of the WBLP chemotherapy-based control strategy in this region. Controlling the effect of UH is still the main aspect of current schistosomiasis control strategy for the hilly and mountainous regions, but innovative methods are urgently needed for effectively controlling UH.

E-BANKING SERVICES – FEATURES, CHALLENGES AND BENEFITS

Directory of Open Access Journals (Sweden)

IMOLA DRIGĂ

2014-10-01

Full Text Available Today traditional banking services, based on lending and deposittaking operations, are only part of banking activities. Due to the emergence of a knowledgebased economy and society as information and communication technology advanced, banking services have undergone profound changes during the past decades. In order to improve the quality of customer service delivery and reduce transaction cost, banks have invested to a great extent in ICT and have adopted ICT networks for delivering a wide range of banking products and services. Banks all over the world have embraced innovative banking technologies and e-banking services in recent years. In this context, the paper aims to provide an overview of the electronic banking service highlighting various aspects of e-banking. Although e-banking offers many advantages both to corporate and individual clients, electronic banking is not without certain challenges and issues in terms of security and interest of customers.

Construction of Fine Particles Source Spectrum Bank in Typical Region and Empirical Research of Matching Diagnosis

Science.gov (United States)

Wang, Xing; Sun, Wenliang; Guo, Min; Li, Minjiao; Li, Wan

2018-01-01

The research object of this paper is fine particles in typical region. The construction of component spectrum bank is based on the technology of online source apportionment, then the result of the apportionment is utilized to verify the effectiveness of fine particles component spectrum bank and which also act as the matching basis of online source apportionment receptor sample. On the next, the particle source of air pollution is carried through the matching diagnosis empirical research by utilizing online source apportionment technology, to provide technical support for the cause analysis and treatment of heavy pollution weather.

A population-induced renewable energy timeline in nine world regions

Science.gov (United States)

Warner, Kevin; Jones, Glenn

2016-04-01

Population growth and increasing energy access are incongruous with forecasts of declining non-renewable energy production and climate change concerns. The current world population of 7.3 billion is projected to reach 8.4 billion by 2030 and 11.2 billion by 2100. Currently, 1.2 billion people worldwide do not have access to electricity. The World Bank's Sustainable Energy for All initiative seeks to provide universal global access to energy by the year 2030. Though universal energy access is desirable, a significant reduction in fossil fuel usage is required before mid-century if global warming is to be limited to 50% renewable energy needs to occur by 2028 in a energy demand in 2100 will be more than double that of today; of this demand, 82% will need to be derived from renewable sources. More renewable energy production will be required in 2100 than the 2014 total global energy production. Given the required rate and magnitude of this transition to renewable energy, it is unlikely that the energy demand and to limit warming to 2.5-3°C by 2100.

Multi-tiered S-SOA, Parameter-Driven New Islamic Syariah Products of Holistic Islamic Banking System (HiCORE): Virtual Banking Environment

Science.gov (United States)

Halimah, B. Z.; Azlina, A.; Sembok, T. M.; Sufian, I.; Sharul Azman, M. N.; Azuraliza, A. B.; Zulaiha, A. O.; Nazlia, O.; Salwani, A.; Sanep, A.; Hailani, M. T.; Zaher, M. Z.; Azizah, J.; Nor Faezah, M. Y.; Choo, W. O.; Abdullah, Chew; Sopian, B.

The Holistic Islamic Banking System (HiCORE), a banking system suitable for virtual banking environment, created based on universityindustry collaboration initiative between Universiti Kebangsaan Malaysia (UKM) and Fuziq Software Sdn Bhd. HiCORE was modeled on a multitiered Simple - Services Oriented Architecture (S-SOA), using the parameterbased semantic approach. HiCORE's existence is timely as the financial world is looking for a new approach to creating banking and financial products that are interest free or based on the Islamic Syariah principles and jurisprudence. An interest free banking system has currently caught the interest of bankers and financiers all over the world. HiCORE's Parameter-based module houses the Customer-information file (CIF), Deposit and Financing components. The Parameter based module represents the third tier of the multi-tiered Simple SOA approach. This paper highlights the multi-tiered parameter- driven approach to the creation of new Islamiic products based on the 'dalil' (Quran), 'syarat' (rules) and 'rukun' (procedures) as required by the syariah principles and jurisprudence reflected by the semantic ontology embedded in the parameter module of the system.

GREEN BANKING IN INDIA: AN EMPIRICAL STUDY OF COMMERCIAL BANKS

OpenAIRE

Shikha Agrawal

2014-01-01

Today across the world the biggest problem is environment management and reducing the damage to the natural resources and global warming. It is the responsibility of every individual as well as institutions in the world to work in this direction. Lots of agencies are doing research on various related topics and from the literature review it is observed that in India RBI has already given a direction for the banks through circulars to implement certain strategies for betterment of the environm...

Analysis of changing bank services in globalization process of financial business

Directory of Open Access Journals (Sweden)

A.Mumi

2017-12-01

Full Text Available The process of economic development of every country is closely connected with the functioning of effective infrastructure of financial market, in the carter of which is a bank system. The success of market relations, the provision of intensive economic growth, the increasing country’s competitiveness at the world market and the growth of population well-being are determined by the fact of how much effectively banks are able to act at different segments of bank services. The innovations in the bank field are closely connected with the innovations in the global and world financial sector. The issues about the influence of globalization on bank activities, the development of market of bank services, empirical researches are of great interest nowadays. Special attention is paid to the Ukrainian market of bank services. The analysis of the current state of the bank sector of the Ukrainian economy gives an opportunity to disclose some problems in the bank sphere as: political and financial instability in the country, the low quality of bank assets, the decrease of liquidity of bank assets, the low credit to the bank system among population, unstable legal framework in the state, the high level of vulnerability of the bank system to the country’s currency policy conducted by NBU.

Normative evaluation of blood banks in the Brazilian Amazon region in respect to the prevention of transfusion-transmitted malaria

Directory of Open Access Journals (Sweden)

Daniel Roberto Coradi Freitas

2014-12-01

Full Text Available Objective:To evaluate blood banks in the Brazilian Amazon region with regard to structure and procedures directed toward the prevention of transfusion-transmitted malaria (TTM.Methods:This was a normative evaluation based on the Brazilian National Health Surveillance Agency (ANVISA Resolution RDC No. 153/2004. Ten blood banks were included in the study and classified as 'adequate' (≥80 points, 'partially adequate' (from 50 to 80 points, or 'inadequate' (<50 points. The following components were evaluated: 'donor education' (5 points, 'clinical screening' (40 points, 'laboratory screening' (40 points and 'hemovigilance' (15 points.Results:The overall median score was 49.8 (minimum = 16; maximum = 78. Five blood banks were classified as 'inadequate' and five as 'partially adequate'. The median clinical screening score was 26 (minimum = 16; maximum = 32. The median laboratory screening score was 20 (minimum = 0; maximum = 32. Eight blood banks performed laboratory tests for malaria; six tested all donations. Seven used thick smears, but only one performed this procedure in accordance with Ministry of Health requirements. One service had a Program of External Quality Evaluation for malaria testing. With regard to hemovigilance, two institutions reported having procedures to detect cases of transfusion-transmitted malaria.Conclusion:Malaria is neglected as a blood–borne disease in the blood banks of the Brazilian Amazon region. None of the institutions were classified as 'adequate' in the overall classification or with regard to clinical screening and laboratory screening. Blood bank professionals, the Ministry of Health and Health Surveillance service managers need to pay more attention to this matter so that the safety procedures required by law are complied with.

The rise and growth of Serbian banking until World war I: Part one: Creation of preconditions for the rise of Serbian banking until 1878

Directory of Open Access Journals (Sweden)

Stojanović Biljana

2016-01-01

Full Text Available The development of Serbian banking during the 19th century was a gradual process that underwent two distinctive stages with the turning point in 1878 when Serbia became an independent state by the international agreement concluded at the Berlin Peace Conference. In the first stage, until 1878, the vassal state of Serbia had been introducing necessary political, economic and institutional preconditions for the rise of banking that led to the creation of the first organized credits and banks. At the end of this stage, there were two types of proper banks: state banks and privately-owned banks. Since the authorities of the vassal state of Serbia played a key role in preparing institutional framework for the banking operations and in organizing the first credit facilities, it could be argued that Serbian banking arose in the 19th century as a result of both state-backed and growthinduced processes.

DEVELOPMENT OF THE ISLAMIC BANKING AND FINANCE IN THE MUSLIM AND NON-MUSLIM WORLD

Directory of Open Access Journals (Sweden)

Farhan Ali Jimale

2012-12-01

Full Text Available In Islamic countries, many of them poor and not highly developed, large segments of the Muslim population do not have access to adequate banking services—often because devout Muslims are unwilling to put their savings into a traditional financial system that runs counter to their religious principles. Islamic banks seek to provide financial services in a way that is compatible with Islamic teaching, and if Islamic banks can tap that potential Muslim clientele, that could hasten economic development in these countries.             It is expanding not only in nations with majority Muslim populations, but also in other countries where Muslims are a minority, such as the United Kingdom and Japan. Similarly, countries such as India, the Kyrgyz Republic, and Syria have recently granted, or are considering granting, licenses for Islamic banking activities.             In fact, there are currently more than 300 Islamic financial institutions spread over 51 countries, plus well over 250 mutual funds that comply with Islamic principles. And, over the past decade, the Islamic banking industry has experienced growth rates of 10-15 percent per year—a trend that is expected to continue.            Globally, the assets of Islamic banks have been expanding at double-digit rates for a decade, and Islamic banking is an increasingly visible alternative to conventional banks in Islamic countries and countries with many Muslims. My study identifies the sources of Islamic banking expansion and ways to stimulate its continued growth. Knowing what drives the development of Islamic banking will help developing countries in Africa, Asia, and the Middle East catch up.

Discipline as a means of production: A study based on a disciplinary system in a French regional bank

Directory of Open Access Journals (Sweden)

Lioner Honore

2004-01-01

Full Text Available The purpose of this paper is to investigate the way in which banks take into account the transformation of both the substance of their activity and the framework governing it. This relates to the way they do (or do not transform the organization of the production process when its substance significantly changes, as well as to the key factors governing their commercial and financial success. The underlying idea is that, for some banks, taking these mutations into account has resulted in changing the way they operate on the basis of “economics of discipline”. The first part of this article presents the main elements of the theory of organizational discipline. The aim is to present the conceptual tools used to analyze the disciplinary system of a bank. The second part of the article gives an example of a disciplinary system based on the study of a French regional bank.

AoA Region: South Asian Seas

Digital Repository Service at National Institute of Oceanography (India)

Naqvi, S.W.A.

is an environmental assessment for the entire Bay of Bengal region (BOBP/ REP/67) prepared for the Swedish Centre for Coastal Development and Management of Aquatic Resources by Holmgren (1994) under the Bay of Bengal Programme. This assessment provides information...-based activities (UNEP 2001) includes information on the South Asian Seas region. Under the Environment Management-Capacity Building Project implemented by the Indian Ministry of Environment and Forests with funding support from the World Bank, the Integrated...

Achievements and challenges of the World Bank Loan/Department for International Development grant-assisted Tuberculosis Control Project in China.

Science.gov (United States)

Kong, Peng; Jiang, Xu; Zhang, Ben; Jiang, Shi-wen; Liu, Bo

2011-07-01

In March 2002, the government of China launched the World Bank Loan/ Department for International Development-supported Tuberculosis (TB) Control Project to reduce the prevalence and mortality of TB. The project generated promising results in policy development, strengthening of TB control systems, patient treatment success, funds management, and the introduction of legislation. In light of the global TB epidemic and control environment, it is useful to review the TB control priorities of the project, summarize the achievements and experiences around its implementation.

On the World and Regional Currencies

Directory of Open Access Journals (Sweden)

Rohach Fedir I.

2016-05-01

Full Text Available The problem of pegging currencies of developing countries to the US dollar is that its dynamics determines the economic instability of most of such countries and the world economy as a whole. In this regard there is a need to find alternative variants of the global monetary anchor to ensure the global financial stability. It is proposed to choose an anchor based on the basket of floating national currencies, which will be balanced by counter fluctuations of the basket currencies and be stable with respect to the national currency, as one of the variants. Such basket anchor can potentially perform the function of money and be used as the world and regional currency. The article presents the example of calculating the quotation of national currencies against the baskets based on the data on G-20 and EAEU countries.

Analysis on Sustainable Development Management Model of Village Banks - Based on Bayan Rongxing Village Bank in Heilongjiang Province

Institute of Scientific and Technical Information of China (English)

Wang shuang; Wang Ji-heng; Liu Bing; Yu Xiao-wen

2015-01-01

This paper summarized the management models of village banks in China. We compared and analyzed different management models of four village banks in different regions on four aspects: regional agriculture feature, loan for farmers, loan for enterprises and the construction of network, then came to the conclusion that, if the village banks' health development can realize, they must pay attention to innovating in loan patterns as well as material loan and starting out the network development.

Capital requirement, bank competition and stability in Africa

Directory of Open Access Journals (Sweden)

Jacob Oduor

2017-06-01

Full Text Available Monetary authorities around the world are implementing enhanced banking capital adequacy requirements under Basel III meant to improve financial stability. Critics however argue that increased capital requirements concentrate the banking industry reducing competition while not guaranteeing financial sector stability. Using data from 167 banks in 37 African countries, we find that increased capital beef-up significantly increases financial instability in Africa (except in big banks implying that higher capital requirements did not make African banks safer. We also find that increased regulatory capital improves competitive pricing for foreign banks while it makes domestic banks less competitive mainly attributed to the high cost of sourcing and holding extra capital for domestic banks compared to foreign banks who can source cheaper capital from parent companies. The results put to question the effectiveness of enhanced regulatory capital on stability and competitiveness of the African financial system.

Bank concentration, country income and financial development in ...

African Journals Online (AJOL)

kirstam

between bank concentration and financial development in the SADC region. ... 5The study findings suggest that bank assets in SADC are concentrated in ... a country's cities/administrative regions, or across countries within a regional ... sector emphasises the importance of local embeddedness, networks, ...... The Case of.

Prominent animal mycoses from various regions of the world.

Science.gov (United States)

Pier, A C; Cabañes, F J; Chermette, R; Ferreiro, L; Guillot, J; Jensen, H E; Santurio, J M

2000-01-01

The mycoses selected for presentation in this section are relatively common diseases of companion animals or livestock in certain areas of the world. Malasseziosis is arguably the most frequent mycosis of dogs (as otitis externa and dermatitis) throughout the world, although its diagnosis is often overlooked. Protothecosis is also geographically widespread, particularly in cattle where severe mastitis is a result of adventitious infection from the environment. In contrast, coccidioidomycosis and pythiosis are geographically limited in their occurrence (coccidioidomycosis by geographic region and pythiosis by climate), but within regions where they do occur, their presence in animals is not unusual. It was our intention to review recent developments in each of these diseases.

The rise and growth of Serbian banking until World War I - part two: The second stage - the national state and the national banking (1878-1914

Directory of Open Access Journals (Sweden)

Stojanović Biljana

2017-01-01

Full Text Available The development of Serbian banking during the 19th century was a gradual process that underwent two distinctive stages with the turning point in 1878 when Serbia became an independent state by the international agreement concluded at the Berlin Congress. In the first stage, until 1878, necessary political, economic and institutional preconditions had been formed for the rise of banking that led to the creation of the first organized credits and banks. During the second stage, decisive programme of economic and institutional development and modernization resulted in the mushrooming growth of banks. Apart from the Privileged National Bank of the Kingdom of Serbia (National Bank, as a bank of note issue, there were state banks and privately-owned banks mostly in the form of joint-stock companies. From 1894, farmers started to establish farm cooperative societies as institutions that met their credit needs with a much more favourable terms than banks. Analyses suggests that banks in the Kingdom of Serbia during 1878-1914 period better served the development of trade, building of the infrastructure (railroads and industry than credit needs of the farmers who were the main economic agent of the country representing 85% of the total population.

A STUDY ON E-BANKING SERVICES: ITS RISKS AND IMPACTS

OpenAIRE

Sinha, Rajni

2016-01-01

Today’s world is one with increasing online access to services. One part of this which is growing rapidly is Internet Banking. Internet banking refers to systems that enable bank customers to access accounts and general information on bank products and services through a personal computer (PC) or other intelligent devices. Though a large volume of literature is accessible on E-banking, this area is still a work in progress and offers a wide array of opportunities for further research and appl...

Corporatisation, Global Banking Impact on the Australian Education System: Reflecting on Care.

Science.gov (United States)

Balon-Rotheram, Auston

Trends, such as a massive increase in globalization, neo-liberalization, and economic rationalization, have been supported and directed by major governments and major financial institutions, such as the World Bank and the International Monetary Fund (IMF). The pact between the World Bank and the IMF has created an economic juggernaut that is…

Call for a Spatial Classification of Banking Systems through the Lens of SME Finance - Decentralized versus Centralized Banking in Germany as an Example

OpenAIRE

Gärtner, Stefan; Flögel, Franz

2014-01-01

We are calling for comparisons of banking and banking systems from a spatial perspective. Therefore, this paper develops a classification identifying decentralized and centralized banking according to two characteristics: geographical market orientation (regional vs. supraregional) – to determine whether banks facilitate regional savings-investment cycles – and place of decision-making (proximity vs. distance) – to identify whether the flow of soft information is supported in SME lending. The...

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

African Journals Online (AJOL)

Automated Teller Machine (ATM) technology has had its significant impact in banking system in Nigeria and some other West African Countries. The most significant impact of ATM technology is the customer's ability to withdraw money outside banking hours. But this feat achieved by ATM technology is not without ...

World Energy Data System (WENDS). Volume V. International organization data

Energy Technology Data Exchange (ETDEWEB)

None

1979-06-01

The World Energy Data System contains organized data on those countries and international organizations that may have critical impact on the world energy scene. WENDS has acquired and organized information on the following energy-related organizations: Asian Development Bank; European Economic Community; Inter-American Development Bank; International Atomic Energy Agency; International Energy Agency; Nuclear Energy Agency; United Nations; and World Bank. Within each organizational grouping most of the following topics are addressed: organization background, government background, energy background (energy policy and objectives), energy research and development activities, and international activities.

Study the Customers’ Perception towards Banking Services: A Research Report on Indian Public Sector Banks

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Shailesh Limbad

2013-10-01

Full Text Available The aim of this study is to measure the customer satisfaction and to identify the shortfall areas for improving the services of public banking sector. For this research paper past research survey were studied. The main concept is measuring customer satisfaction by customer satisfaction index method. All the factors related to banks were taken by personal interview with the banks’ manager which influences customer satisfaction. To collect the information non-probability sampling method is used. 100 services users of two different banks in bardoli region were contacted with face-to-face personal interview method through questionnaire. “Customer Satisfaction Index” method was used to measure the customer satisfaction. The study represents the result of a survey among the customers in the bardoli region of two public sector banks. Study proved that the STATE BANKS OF INDIA’S customers are more satisfied (82.55> 81.79 than BANK OF INDIA’S customers. There were parameters are found out which are more important to increasing the satisfaction rate. The results of this study provide very important information in formulating competitive marketing strategies. It shows the critical points where the limited resources of the banks should be allocated to improve satisfaction and loyalty and provides information about the weaknesses and strengths of the banks from the eyes of its customers. With getting the valuable information and found out the reason of dissatisfaction these banks can put more efforts to improving the standards of services and make the customers more satisfied.

The Role of Participation Banking as Alternative Financing Channels to Substitute for Deposit Banks and its Growth in the Turkish Finance Market - Period: 2007-2015

Directory of Open Access Journals (Sweden)

Ferhat Sayım

2017-09-01

Full Text Available Financial systems and companies have become the most important reasons in the weakness of world economic system. The formation and development process of the financial structure also constitute the infrastructure of the world economic system. The path of the financial system and development has led to discuss with the financial crisis in 2008-2011. One of the solutions in order to reduce problems caused by the conventional banking system is alternative financing systems. In Turkey, the corporations based on profit share system are named participation banks. These banks which settle on different principles in the risk distribution of the portfolio acquired are analyzed more nowadays. Participation based banks are placed in practically every regulation related to banking terms and get their legal infrastructure more steady in the banking legislation of Turkey. This study is a continuation of a series related to the situation of participation banking in Turkey. On the other hand, the literature and the history of participation banking have been given less attention in this study. Literature information on methods in participation banks has been described in previous work of the series. Two analyzes were conducted in this study. One analysis is interpretive analysis that expresses the situation of applications of participation banking against banking risks. The other is an analysis of the figures of participation banks in Turkey as a continuation of the series. This study is a 2007-2015 part of research series. The study tries to explore the place and the importance of participation based banking with the various sub-headings, especially in Turkey. For this reason, we examine the comparative review 2007-2015 data of participation banks which are composed of Total Assets, Equity Net Profit, Collected Funds and Bank Loan Funds. Then we compare the total figures with deposit banks for the same period in Turkey.

CUSTOMER PERCEPTION OF ONLINE BANKING IN INDIA: PUNJAB

OpenAIRE

Singh, Zorawar

2012-01-01

The emergence and adoption of information technology has turned the world into a global village. India being an emerging market, it cannot afford to ignore the benefits of information technology especially in the banking sector. The financial services sector realized the importance of the internet as a way of connecting and interacting with clients. From the customers point of view internet banking is a boon. Registered online customers can perform common banking transactions such as paying b...

Changing patterns of spatial clustering of schistosomiasis in Southwest China between 1999-2001 and 2007-2008: assessing progress toward eradication after the World Bank Loan Project.

Science.gov (United States)

Hu, Yi; Xiong, Chenglong; Zhang, Zhijie; Luo, Can; Cohen, Ted; Gao, Jie; Zhang, Lijuan; Jiang, Qingwu

2014-01-03

We compared changes in the spatial clustering of schistosomiasis in Southwest China at the conclusion of and six years following the end of the World Bank Loan Project (WBLP), the control strategy of which was focused on the large-scale use of chemotherapy. Parasitological data were obtained through standardized surveys conducted in 1999-2001 and again in 2007-2008. Two alternate spatial cluster methods were used to identify spatial clusters of cases: Anselin's Local Moran's I test and Kulldorff's spatial scan statistic. Substantial reductions in the burden of schistosomiasis were found after the end of the WBLP, but the spatial extent of schistosomiasis was not reduced across the study area. Spatial clusters continued to occur in three regions: Chengdu Plain, Yangtze River Valley, and Lancang River Valley during the two periods, and regularly involved five counties. These findings suggest that despite impressive reductions in burden, the hilly and mountainous regions of Southwest China remain at risk of schistosome re-emergence. Our results help to highlight specific locations where integrated control programs can focus to speed the elimination of schistosomiasis in China.

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

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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.

THE FINANCIAL SECTOR OF THE STATE - THE STRUCTURE OF THE BANKING SYSTEM WITH A BANKING SECTOR IN CENTRAL AND EASTERN EUROPEAN COUNTRIES

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Ljiljana Stošić Mihajlović

2017-10-01

Full Text Available The financial sector of each country in the world has its own specificities that depend on many factors. In this paper we will talk about the structure of the financial system in our country from the aspect of the banking sector. Banks are specialized institutions that have a special role in the development of the country's economic system, as their basic function is to supply the economy with the necessary amount of loans and money. Banking business is a special economic activity. It is determined by the type and content of banking operations. In general terms, banking transactions are divided into two groups: active and passive. The Bank is established as a joint-stock company, which is regulated by the laws on banks and international regulatory frameworks.

Achievement of the World Bank loan project on schistosomiasis control (1992-2000) in Hubei province and the challenge in the future.

Science.gov (United States)

Changsong, Sun; Binggui, Yu; Hongyi, Liao; Yuhai, Dai; Xu, Xingjian; Huiguo, Zhu; Yong, Jiang

2002-05-01

Since the World Bank provided a loan for control of schistosomiasis in China, started from 1992, with the objective of a reduction of prevalence and intensity of the infection both in humans and animals by 40%, through mass chemotherapy in areas of high prevalence, and selective chemotherapy in areas with medium and low endemicity together with focal mollusciciding, the objective of morbidity control of the project has been reached in Hubei Province.

Techniques for measuring customers’ satisfaction in Banks

Directory of Open Access Journals (Sweden)

Elena Lidia MELNIC

2016-07-01

Full Text Available The major concern of banks today is to recover and maintain customer trust. Customers need to feel that banks are considering their best interests. Customers are seeking for easy and personalized information. They want to better understand their financial situation and to control it. They want to know both the benefits, as well as the risks. Clients want to work with banks that are concerned about them and about their personal goals. However, only an attractive offer of banks is not the key to success today if is not supported by a superior service culture, that can make notable differentiation in the market. Many banks all over the world are systematically measuring how well they treat customers, identifying the factors shaping satisfaction, and changing operations and marketing as a result. Wise banks measure customer satisfaction regularly because it is one key to customer retention.

A hybrid nested partitions algorithm for banking facility location problems

KAUST Repository

Xia, Li; Yin, Wenjun; Dong, Jin; Wu, Teresa; Xie, Ming; Zhao, Yanjia

2010-01-01

The facility location problem has been studied in many industries including banking network, chain stores, and wireless network. Maximal covering location problem (MCLP) is a general model for this type of problems. Motivated by a real-world banking

World Bank Development Sector Adjustment Operation Life Line to Nigerian Universities: Impact on Information Demand and Supply in the University of Agriculture, Makurdi Library.

Science.gov (United States)

Ozowa, Vincent Nnamdi

1995-01-01

Provides an overview of the rationale behind the World Bank credit line to Nigerian universities and examines the impact of the credit facility on the information demand and supply in the University of Agriculture, Makurdi Library (Nigeria). Discusses problems, such as poor quantity and quality of books and journals, lack of equipment, and lack of…

BrainNet Europe's Code of Conduct for brain banking.

Science.gov (United States)

Klioueva, Natasja M; Rademaker, Marleen C; Dexter, David T; Al-Sarraj, Safa; Seilhean, Danielle; Streichenberger, Nathalie; Schmitz, Peer; Bell, Jeanne E; Ironside, James W; Arzberger, Thomas; Huitinga, Inge

2015-07-01

Research utilizing human tissue and its removal at post-mortem has given rise to many controversies in the media and posed many dilemmas in the fields of law and ethics. The law often lacks clear instructions and unambiguous guidelines. The absence of a harmonized international legislation with regard to post-mortem medical procedures and donation of tissue and organs contributes to the complexity of the issue. Therefore, within the BrainNet Europe (BNE) consortium, a consortium of 19 European brain banks, we drafted an ethical Code of Conduct for brain banking that covers basic legal rules and bioethical principles involved in brain banking. Sources include laws, regulations and guidelines (Declarations, Conventions, Recommendations, Guidelines and Directives) issued by international key organizations, such as the Council of Europe, European Commission, World Medical Association and World Health Organization. The Code of Conduct addresses fundamental topics as the rights of the persons donating their tissue, the obligations of the brain bank with regard to respect and observance of such rights, informed consent, confidentiality, protection of personal data, collections of human biological material and their management, and transparency and accountability within the organization of a brain bank. The Code of Conduct for brain banking is being adopted by the BNE network prior to being enshrined in official legislation for brain banking in Europe and beyond.

TRENDS OF ROMANIAN BANKING NETWORK DEVELOPMENT

Directory of Open Access Journals (Sweden)

Nicoleta Georgeta PANAIT

2015-07-01

Full Text Available Since 2009, two trends occurred in the banking world: downsizing of personnel, on the one hand and the reduction of retail units held, on the other hand. The first trend was most notable in countries with unstable or weak economy. The effects were seen immediately. Reducing of the operating costs and more applied of the territorial structure and staff was a decision that credit institutions in Romania took relatively late. Worldwide banks began a restructuring otherwise dictated by this time not so economic crises new market trends - increasing access to the internet for the population and use of the internet in a growing proportion of internet banking

Improved E-Banking System With Advanced Encryption Standards And Security Models

Directory of Open Access Journals (Sweden)

Sharaaf N. A.

2015-08-01

Full Text Available Emerging new Technologies and large scale businesses have made this world a global village. Many business organizations provide online services targeting global consumer bases. Transaction in international scale has been enabled by banks all around the world through E-banking in order to supply the needs of above business organizations. E-banking serves lots of benefits to both customers of banks and banks itself. It adds value to customers satisfaction with better service quality and enables banks to gain a competitive advantage over other competitors. Online banking need to possess high level security in order to provide safe consistent and robust online environment which guarantees secure data transmission and identity of both bank and customer. Lack of security may lead to less trust or hard to trust attitude towards online banking. Although customers are attracted by online banking convenience they seem largely in concern about identity theft and phishing. Analysis of many research papers on e-banking security models and their respective advantages and disadvantages have been discussed in literature review. Username password E-banking dongles fractal images biometric scans and advanced encryption standards are some of the suggested solutions for E-banking security. This study focuses on the security beyond above mechanisms. This paper ensures security of online banking at three levels. At client side using internet dongle integrated with finger print scanning technology at banking sever side and data transmission level. This model also includes username password and advanced encryption for further security. Complete description on the model has been discussed in methodology section. Future works on this topic and Conclusion are covered in separate sections.

Progress in China’s Banking Sector Reform; Has Bank Behavior Changed?

OpenAIRE

Richard Podpiera

2006-01-01

Substantial effort has been devoted to reforming China's banking system in recent years. The authorities recapitalized three large state-owned banks, introduced new governance structures, and brought in foreign strategic investors. However, it remains unclear the extent to which currently reported data reflect the true credit risk in loan portfolios and whether lending decisions have started to be taken on a commercial basis. We examine lending growth, credit pricing, and regional patterns in...

The world today: concepts and regions in geography. - 6th ed.

NARCIS (Netherlands)

de Blij, H.J.; Muller, P.O.; Nijman, J.

2013-01-01

This latest edition of The World Today reflects our continuing commitment to bring to readers our geographic perspectives on a fast-changing world and its dynamic regional components. Since the previous edition, the author team has spent much time traveling, researching, and lecturing in all 12

The Influence of Large-scale Bank Roughness and Floodplain Composition on Spatial and Temporal Variations in Bank Erosion

Science.gov (United States)

Hackney, C. R.; Darby, S. E.; Leyland, J.; Aalto, R. E.; Best, J.; Parsons, D. R.; Nicholas, A. P.

2016-12-01

Knowledge of bank erosion processes and rates along the world's largest rivers remains incomplete, primarily due to the difficulties of obtaining data pertaining to the key driving processes (i.e., during the floods that drive most bank retreat). Recently, larger scale bank roughness elements (slump blocks and embayments) have been shown to impact upon rates and locations of bank erosion. However, a complete understanding of the way such features affect rates of bank erosion is currently hindered by the lack of detailed concurrent observations of slump block geometry, embayment geometry and flow at formative discharges in natural environments. Here, we report on high spatial resolution topographic (Terrestrial Laser Scanner and Multibeam Echo Souder) and flow (Acoustic Doppler Current Profiler) surveys undertaken on the Mekong River, Cambodia, from which we extract the geometric properties of roughness elements across a range of scales. We combine this data with sub-bottom profile data, revealing the composition of the surrounding floodplain, to link, for the first time, scales of bank roughness to bank material composition. Through the categorisation of a series of cut river banks by roughness geometry, we show how rates and locations of bank erosion are dependent on that roughness and associated bank material changes. We test how observed patterns of bank erosion conform to previously detailed models of embayment development, and provide new insight into processes affecting the retreat of large river banks.

The organisation and role of the Euro skin bank

International Nuclear Information System (INIS)

Van Baare, J.

1999-01-01

In the treatment of burns, either superficial or deep, partial or full thickness, where sufficient autograft is lacking, wound covering by fresh or stored allogencic human skin is currently preferred over the use of (bio-) synthetic dressings by most physicians involved in burn care. Several methods to preserve, store and provide sufficient quantities of allograft (homo- or xeno-) at any given time have been developed over the last decades and have been extensively documented. Skin banks differ in their mode of operation (local, regional, national and international) and the techniques applied for preservation and storage of human skin. The Dutch National Skin Bank was established in 1976 as a subsidiary to the Dutch Bums Foundation with no other goal than providing human allograft skin for the treatment of bum victims to the Red Cross Hospital Bum Unit and later to other Dutch bum centres and general hospitals. The initial preservation technique the skin bank used was cryopreservation. In 1984 there was an important change in the preservation technique. Based on literature high concentrations of glycerol were introduced to preserve human skin for long-term storage. Meanwhile, a gradual increase in the yearly number of skin donors from 1984 onwards was observed, and by 1989 regular requests from bum centres in other countries for glycerol preserved donor skin were received. In 1992 the skin bank changed their name into Euro Skin Bank to express their international collaboration. The Euro Skin Bank operates on a non-profit basis and was until recently dependent on financial support of the Dutch Bums Foundation. Due to the large amount of requests for donor skin, the Euro Skin Bank started to set up satellite skin banks in various European countries. With this initiative it was not only possible to help the specific countries to supply their own bum centres with allograft skin, but also an amount of skin was send back to the Euro Skin Bank in order to distribute the

International Tree Ring Data Bank (ITRDB)

Data.gov (United States)

National Oceanic and Atmospheric Administration, Department of Commerce — Tree ring data from the International Tree Ring Data Bank and World Data Center for Paleoclimatology archives. Data include raw treering measurements (most are...

Food Banks, United States, 2015, EPA Region 9

Data.gov (United States)

U.S. Environmental Protection Agency — This GIS dataset contains point features that represent facilities that recover wasted food to feed people across theUS. Food bank information was collected in 2015...

Community in Credit Unions: Has banking regulationimpaired CSR in Australian Customer Owned Banks?

Directory of Open Access Journals (Sweden)

Dianne McGrath

2017-02-01

Full Text Available This paper presents a sector scan of a sample of Australian Credit Unions and Mutual Banks to examine the CSR reporting from the perspective of the three pillars model proposed by vanOorschot, de Hoog, van der Steen and van Twist (2013. It is argued that the pillar requiringco-operatives to ensure activities which ‘aim for change’, should promote increasing adoptionof CSR. The paper theorises that regulatory requirements imposed in Australia on all bankinginstitutions carry a higher proportional cost to the customer owned banking sector than theshareholder based commercial banks. This consumption of the limited financial resourcesavailable in this sector of banking services, are inhibiting regional Customer Owned Bankingproviders, as co-operative organisations, to fulfil the required co-operative principle to instigatechange for the betterment of communities. This failure could signal the demise of some entitiesin the jurisdiction of Customer Owned Banking.

An Application Relating To Credit Risk and Credit Risk Management in Tu rkish Banking System: The Case of Turkey Garanti Bank

Directory of Open Access Journals (Sweden)

Seyhan Çil Koçyiğit

2014-09-01

Full Text Available Within the globalization process of the world, at the competitive area arised as a result of the rapid increase in the number of banks and their branches in developing countries, the vigorously existance of banks depend on the management of the risks faced successfully. Banks must establish their credit strategies onto a good risk managment. Indeed, it is the inevitable fact that the success of financial institutions depends on having a powerful risk management system. In this study, by using the banking ratios, it is aimed to investigate the credit-risk changes of Turkish Garanti Bank (S.C. by three-month periods of 2007–2012 and give information about the risk management of Turkish Garanti Bank (S.C.. In conclusion, it is seen that, at Turkish Garanti Bank (S.C., credit risk is measured and evaluated in accordance with international standards, and all risk management is executing in parallel with Basel II regulations.

SMEs, banks and the spatial differentiation of access to finance

OpenAIRE

Zhao, T.; Jones-Evans, D.

2016-01-01

By utilizing the SME Finance Monitor and a unique dataset on the geographical location of all bank branches in 11 UK economic regions, this paper examines the relevance of spatial differentiation on SMEs’ access to bank finance during the period of economic weakness following the 2007 financial crisis. We find evidence suggesting the presence of a regional-specific effect on SMEs’ access to bank finance. Our findings show that greater functional distance between bank headquarters and branches...

HUBUNGAN ANTARA PSYCHOLOGICAL CAPITAL DENGAN WORK ENGAGEMENT PADA KARYAWAN PT. BANK MEGA REGIONAL AREA SEMARANG

Directory of Open Access Journals (Sweden)

Dwi Ari Setyo Nugroho

2015-07-01

Full Text Available This study aimed to assess the relationship between psychological capital with work engagement employees of PT. Bank Mega Regional Area Semarang. Psychological capital is an individual’s positive psychological state of development and is characterized by self- efficacy, optimism, hope and resiliency. Then, work engagement is defined as a positive, fulfilling, work-related state of mind that is characterized by vigor, dedication, and absorption. This study used proportional sampling technique. The subjects were all employees of PT. Bank Mega Regional Area Semarang which have staff levels (N=73. The research instrument was psychological capital scales with 28 items (α = 0.953 and work engagement scales with 29 items (α = 0.938. The results by simple regression analysis obtained rxy = 0.716, with p value = 0.000 (p <0.05. The results indicated that there was a positive correlation between psychological capital and work engagement. The higher psychological capital was higher work engagement. Coefficient of determination by 51,3, it meaning that psychological capital effectively contributed for 51,3 % of work engagement. The remaining 48,7 % determined by other factors that are not revealed in this study, for example: job resources and job demands. Keywords: Psychological capital, work engagement, employee

Determinants of Bank Selection Choices in Malaysia: A Demographic based Investigation

OpenAIRE

Celestine Fernandez, Dominic

2008-01-01

Banking is an important contributor to the economic growth around the world. The benefits of understanding consumer selection decisions will provide bankers with a competitive advantage as it has the ability to influence the marketing mix. With rising overheads and price competition, the profit margins earned from bank services are being narrowed. Banks will have to capture a sizeable customer base to sustain their profitability and turnover. Malaysia was chosen for this study as banks have b...

Banking marketing mix trends in a digital era

Directory of Open Access Journals (Sweden)

Catalina Ioana Chirica

2012-10-01

Full Text Available We live in a dynamic world, with everything changing more rapidly than perhaps ever before. Changes are simultaneously a cause and an effect in this world, triggered and affecting both companies (inclusing banks and consumers. Pro-activity and reactivity are key words. Adaptation of strategies, focused consumer targeting, extended usage of new technologies, rapid growth of online environment, breakthrough of social networks and smartphones, all represent factors that converge to one direction: a digital era, when companies/banks should focus on their clients' fidelity and have an in-depth understanding of their market in order to create a real competitive advantage.

Investment and Development Banking and Its Development in Turkey

Directory of Open Access Journals (Sweden)

İsmail Erkan Çelik

2013-04-01

Full Text Available Banks, one of the most significant economic means of the nations and international organizations, have occasionally become one of the institutions mostly affected by the financial crisis in the world. Especially in the economies of the developed countries, one of the most important aspects of the financial sector is measured by the size of the financial resources and assets of the banks. The size and place of the investment banks depends on the investment and existing credit reserves appropriated by its members. From this perspective, scrutinizing the Investment and Developments Banks, which is one of the economic growth criteria, is of high importance. To this end, in addition to the operation of the Investment and Development Banks, financial products of these banks in Turkey are also analyzed in this study.

Invited review: climate change impacts in polar regions: lessons from Antarctic moss bank archives.

Science.gov (United States)

Royles, Jessica; Griffiths, Howard

2015-03-01

Mosses are the dominant plants in polar and boreal regions, areas which are experiencing rapid impacts of regional warming. Long-term monitoring programmes provide some records of the rate of recent climate change, but moss peat banks contain an unrivalled temporal record of past climate change on terrestrial plant Antarctic systems. We summarise the current understanding of climatic proxies and determinants of moss growth for contrasting continental and maritime Antarctic regions, as informed by 13C and 18O signals in organic material. Rates of moss accumulation are more than three times higher in the maritime Antarctic than continental Antarctica with growing season length being a critical determinant of growth rate, and high carbon isotope discrimination values reflecting optimal hydration conditions. Correlation plots of 13C and 18O values show that species (Chorisodontium aciphyllum / Polytrichum strictum) and growth form (hummock / bank) are the major determinants of measured isotope ratios. The interplay between moss growth form, photosynthetic physiology, water status and isotope composition are compared with developments of secondary proxies, such as chlorophyll fluorescence. These approaches provide a framework to consider the potential impact of climate change on terrestrial Antarctic habitats as well as having implications for future studies of temperate, boreal and Arctic peatlands. There are many urgent ecological and environmental problems in the Arctic related to mosses in a changing climate, but the geographical ranges of species and life-forms are difficult to track individually. Our goal was to translate what we have learned from the more simple systems in Antarctica, for application to Arctic habitats. © 2014 John Wiley & Sons Ltd.

E-banking: Online Transactions and Security Measures

OpenAIRE

Hameed Ullah Khan

2014-01-01

This study presents the technology involved in the more important payment systems currently available to internet users. As the field is undergoing a major upheaval by changing the traditional banking services, e-commerce is facilitating change in recent years. These programs in-returns have shown lucrative growth in internet businesses and capital generation. Transactions on an international scale are the mark of highly demanding businesses with a global consumer base. Banks around the world...

Bank Bailouts and Moral Hazard : Evidence from Germany

NARCIS (Netherlands)

Dam, L.; Koetter, M.

We use a structural econometric model to provide empirical evidence that safety nets in the banking industry lead to additional risk taking. To identify the moral hazard effect of bailout expectations on bank risk, we exploit the fact that regional political factors explain bank bailouts but not

These Are the Good Old Days: Foreign Entry and the Mexican Banking System

OpenAIRE

Stephen H. Haber; Aldo Musacchio

2013-01-01

In 1997, the Mexican government reversed long-standing policies and allowed foreign banks to purchase Mexico’s largest commercial banks and relaxed restrictions on the founding of new, foreign-owned banks. The result has been a dramatic shift in the ownership structure of Mexico’s banks. For instance, while in 1991 only one percent of bank assets in Mexico were foreign owned, today they control 74 percent of assets. In no other country in the world has the penetration of foreign banks been as...

Global nutrition 1990-2015: A shrinking hungry, and expanding fat world.

Science.gov (United States)

Peng, Wen; Berry, Elliot M

2018-01-01

Following its publication in 2008, the Global Nutritional Index (GNI) which captures the triple burden of malnutrition, has been updated to assess the overall nutritional status and nutritional trends of countries, regions and the world, including both under-nutrition and over-nutrition. The GNI was modeled on the Human Development Index, using geometric means of three normalized indicators: protein-energy malnutrition (PEM, measured by Disability-Adjusted Life Years (DALYs) from PEM), micronutrient deficiency (MID, measured by DALYs from MID), and penalizing obesity (percent female obesity). GNI (range 0-1) was calculated from 1990-2015 for 186 countries, in seven World Bank income and WHO region groupings. World GNI increased from 0.433 to 0.473 as decreased deficits overcompensated for the rise in obesity. GNI for African low- and middle-income countries (LMIC) (median 0.301 to 0.392) and South-East Asian LMIC (0.456 to 0.564) improved significantly (Phunger"-"reduce obesity".

World Bank: Management Controls Stronger, But Challenges in Fighting Corruption Remain

National Research Council Canada - National Science Library

2000-01-01

... by deterring investment and growth and exacerbating poverty Although no Bank-wide estimates of the magnitude of this problem have been developed, levels of corruption vary from country to country...

Moderating Effects of Bank Ownership on the Relationship between Securitization Uptake and Financial Performance of Commercial Banks in Kenya

Directory of Open Access Journals (Sweden)

Paul Munene Muiruri

2015-06-01

Full Text Available Securitization is a process in which commercial banks can raise low-cost financing by assigning asset risks to investors’ appetite for risk. This has been one of the most dominant and fastest growing means of capital creation in the United States and the world over. After introduction of securitization, the banking industry in Kenya has recovered from a long period of poor performance. The aim of this study is to aim of study was to tests for the moderating effects of bank ownership on relationship between securitization uptake and financial performance of forty three commercial banks in Kenya, over a five-year period from 2009 to 2013. The researchers dominantly relied on secondary data from most recent annual published financial statements and banks supervision records at the Central Bank of Kenya. The data was complimented by use unstructured personal interview from 172 banks key officials; the mortgage, credit, risk and compliance and debt recovery who were identified by simple random sampling from each of 43 banks. The data were cross validated with information from secondary sources; five years annual published financial statements and bank supervision records at the Central Bank of Kenya so as to avoid premature conclusions. In line with the previous studies, the results indicate that the banks’ financial performance had been almost progressing over the operational periods considered for the study. The commendable performance in profitability of the banks was attributable to securitization uptake among banks. The study recommends banks to use securitization in ensuring they have adequate capital and bank managers to be allowed to invest their liquid assets so that can generate more income to boost their performance.

World-wide and regional intercomparison for the determination of organochlorine compounds and petroleum hydrocarbons in sediment sample IAEA-357. Report no. 51

International Nuclear Information System (INIS)

Villeneuve, J.P.; Mee, L.D.

1992-06-01

This report describes the results of IAEA/UNEP intercomparison run 357 for the chemical analysis of organochlorine compounds and petroleum hydrocarbons in marine sediments. The Marine Environmental Studies Laboratory (MESL) of IAEA-MEL has conducted intercomparison exercises on trace organic compounds for over ten years as part of its contribution to IAEA's analytical quality control service and UNEP's regional seas programme and occasionally in association with the intergovernmental oceanographic Commission (of UNESCO) GIPME programme. Results of previous exercises have revealed serious problems for many regional laboratories to obtain comparable data. This, in turn, has raised serious concerns on the validity of region-wide or global marine pollution assessments. Even more worrisome was the apparent lack of improvement in data quality from exercise to exercise. As a consequence of the above situation, it was decided to seek increased support for quality assurance programmes. Staff of MESL, with funding from UNEP, the World bank and regional trust funds, embarked on a campaign to train analysts in modern measurement techniques, supply appropriate and reliable reference methods and materials and, where possible, to improve analytical instruments in member states laboratories. This work continues at present and recent training programmes have been conducted in the Wider Caribbean, East Africa, The Gulf and the Mediterranean

E-Banking of Economical Prospects in Bangladesh

OpenAIRE

Mohammad Azizul Baten; Anton Abdulbasah Kamil,

2010-01-01

Now a day’s due to emerging global economy, e-commerce and e-business have increasingly become a necessary component of business strategy and a strong catalyst for economic development. The new information technology is becoming an important factor in the future development of financial services industry, and especially banking industry. As a third-world developing country, Bangladesh is far behind to reach the expected level in global banking system. So it is our urgent n...

Toward Gender Equality in East Asia and the Pacific : A Companion to the World Development Report

OpenAIRE

World Bank

2012-01-01

In recent decades, women across the globe have made positive strides toward gender equality. Literacy rates for young women and girls are higher than ever before, while gender gaps in primary education have closed in almost all countries. In the last three decades, over half a billion women have joined the world's labor force (World Bank 2011c). Progress toward gender equality in East Asia and the Pacific has been similarly noteworthy. Most countries in the region have either reached or surpa...

Disaster Recovery Framework for Commercial Banks in Sri Lanka

Directory of Open Access Journals (Sweden)

Mueen Uddin

2016-03-01

Full Text Available The banking sector is the backbone of the entire financial economy of a country. In today’s globalized world, most organizations use online transaction processing systems for transferring money and doing business. Natural or man-made disasters can lead to data loss which in turn can cause millions of dollars of money lost. This study focuses on disaster recovery practices in commercial banks in Sri Lanka. From our preliminary findings, it was concluded that commercial banks only have ad-hoc disaster recovery standards and practices, as there is no standard framework available. Fourteen (14 banks were selected for data collection and relevant authorities were interviewed. The results were translated as qualitative observations to understand the best practices. Similarly, international standards, compliance requirements of the central bank, and existing researches were used to develop a disaster recovery practice framework. The proposed framework was then validated for its efficiency and usefulness among commercial banks and found to be acceptable by the banking industry.  

Credit Risk in the Banking Sector in Kosovo

Directory of Open Access Journals (Sweden)

Muhamet Aliu

2017-05-01

Full Text Available Loans make up the bulk of a bank’s assets, and thus credit risk is the most significant risk for commercial banks in Kosovo and throughout the world. Despite its complexity, effective management of credit risk is a prerequisite for the success of a bank and the banking system in general. A special role in this aspect is played by the separation of reserves to cover the risk of failure to repay the loan or in cases of nonfulfilment of contractual obligations by the loan recipient. Therefore, this research aims to address this issue and analyses the credit risk management of the banking system of the Republic of Kosovo in general and the effects of separation of reserves for loan losses in particular.

Pure contagion effects in international banking: The case of BCCI’s failure

OpenAIRE

Angelos Kanas

2005-01-01

We test for pure contagion effects in international banking arising from the failure of the Bank of Credit and Commerce International (BCCI), one of the largest bank failures in the world. We focused on large individual banks in three developed countries where BCCI had established operations, namely the UK, the US, and Canada. Using event study methodology, we tested for contagion effects using time windows surrounding several known BCCI-related announcements. Our analysis provides strong evi...

BANK MERGERS AND ACQUISITIONS IN ROMANIA AFTER 1989

Directory of Open Access Journals (Sweden)

Copil Crina Angela

2014-07-01

have a special purpose, they are necessary operations of draining the bank life by the absorption of the banks without stability by those with potential of economical and managerial stable capital. It is well known that the great banks, very strong and well consolidated created in the process of mergers and acquisitions have another potential in maintenance of the flux of profit and the balanced increase of the profitableness, having a great impact on the economy. The contribution consists in combining some conceptual elements with some empirical aspects, with the process of bank concentration created by acquisitions and fusions that leads to the elimination of some bank entitites that are not credible and stable and maintenance of those that are efficient, useful and credible for the client and for the Romanian society. The subject is a present one in the entire world, in a continuous change and adapting to the existent tendencies in the entire world, having a major impact also on the Romanian bank market, on the bank financial institutions that in order to face the competition have directed their strategies for the diversification of the risks.

What is Good Governance? World Bank and The Power of Normalization

Directory of Open Access Journals (Sweden)

Agus Wahyudi

2015-12-01

Full Text Available Tulisan ini memberikan penilaian kritis alas konsep Bank Dunia tentang 'Good Governance' (Kepemerintahan yang Balk dengan melibat konsep ini melalui pendekatan Foucauldian, yaitu bukan hanya sebagai fenomena pengetahuan tetapi jugs sebagai fenomena kekuasaan,yaitu kekuasaan untuk normalisasi. Penelaahan atas asal mula dan evolusi konsep ini menyarankan bahwa keberadaan konsep ini tidaklab netral dan bebas kepentingan dan karena itu sebenarnyajuga tidak selalu universal atau dapat diterapkan dalam semua keadaan. Pengen'ian Good Governance yang didefinisikan sebagai kebijaksaan ekonomi yang baik dan pembangunan kelembagaan yang kuat, pada alehirnya telab memperkuat pola-pola hegemoni dan kelembagaan global dan menghasilkan dominasi atau hegemonisasi dari pengetahuan' Bank Dunia (atau sebenarnyajuga ekonomi internasionalyang lain scperti IMF terhadap 'bentuk pengetahuanyang lain', dengan akibal bahwa model alternatif pembangunanyang lain akan terpinggirkan atau sama sekalipunah.

Latencia y banco de semillas en plantas de la región mediterránea de Chile central Seed bank and dormancy in plants of the Mediterranean region of central Chile

Directory of Open Access Journals (Sweden)

JAVIER A. FIGUEROA

2004-03-01

un modelo estructural y funcional del banco de semillas para el matorral de Chile central, que debería ser enriquecido con futuras investigacionesSeed banks on Mediterranean regions display characteristics that distinguish them from the seed banks of other regions. A seed bank is the concentration of viable propagules buried in the soil for variable periods of time. Seed banks in the Chilean matorral are chiefly transient and functionally similar to seed banks in other Mediterranean ecosystems not disturbed by fire, except for those of Australia. A transient seed bank is that composed of seeds that cannot survive in the upper levels of the soil for more than 1 year. The density of herb seeds in the Chilean matorral soil is one of the highest among Mediterranean ecosystems anywhere in the world, and a large proportion of these seeds is made up of seeds without dormancy that germinate easily, particularly annual grasses. With respect to the dormancy mechanisms that may be responsible for the behavior of these seeds stored in the transient bank, our analysis revealed the following germination syndromes: (1 species whose seeds must be stratified in cold due to the presence of physiological dormancy (particularly introduced herbs, (2 species whose seeds must be scarified with acids or mechanical means due to the presence of physical dormancy (mainly native woody species and, (3 species that present physiological dormancy and need heat stratification to activate germination (both native and introduced species. These syndromes determine that the timing of germination in central Chile has an autumn and an early spring phase. Besides, there is absence of sporadic germination syndromes for the components of a persistent seed bank. We propose a structural and functional model of the seed bank for the matorral of central Chile that should be enriched with future research

Banking Strategy Demography - Future Population Trend: Implication for Banking

OpenAIRE

Teo, Lee Koon; Tripathi, Sanjay; Kazi, Zaid

2010-01-01

The world is going through a major shift in demographic structure that will affect the economies and global markets in a major way over the next few decades. While extensive research has been done on the macro-economic implications of demographic changes, very little research has been conducted on the demographic challenges at an industry level or for firms and on how these firms should react. The banking sector, in particular has received little attention. The project is initiated by the Glo...

Stress Testing as a Tool of Bank Risk Management

Directory of Open Access Journals (Sweden)

Antonyuk Oksana I.

2013-12-01

Full Text Available The goal of the article is development of theoretical, methodological and practical recommendations on the use of stress testing by Ukrainian commercial banks. Stress testing is defined as a part of bank risk management on the basis of scientific studies of domestic and foreign scientists. The article marks the essence of the bank stress testing and identifies its role in the structure of banks’ risk management in Ukraine. It considers goals of conducting stress testing in banking institutions. It identifies main aspects and specific features of conducting stress testing of bank risks. It characterises main advantages and shortcomings of use of stress testing in the modern bank risk management. It generalises the world and European approaches to the methods of conducting stress testing in commercial banks in comparison with the Ukrainian methodical recommendations. It shows that results of stress testing have practical value, since they help to preliminary assess influence of potentially negative events upon the state of the loan portfolio of the bank and make relevant managerial decisions.

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...

The necessity of strengthening the cooperation between tissue banks and organ transplant organizations at national, regional, and international levels.

Science.gov (United States)

Morales Pedraza, Jorge

2013-12-01

The donation of tissues and organs increases significantly when tissue banks and organ transplant organizations work together in the procurement of organs and tissues at donor sources (hospitals, coroners system, organ procurement agencies, and funeral homes, among others). To achieve this important goal, national competent health authorities should considered the establishment of a mechanism that promote the widest possible cooperation between tissue banks and organ transplant organizations with hospitals, research medical institutions, universities, and other medical institutions and facilities. One of the issues that can facilitate this cooperation is the establishment of a coding and traceability system that could identify all tissues and organs used in transplant activities carried out in any country. The promotion of national, regional, and international cooperation between tissue banks and organ transplant organizations would enable the sharing of relevant information that could be important for medical practice and scientific studies carried out by many countries, particularly for those countries with a weak health care system.

Franchising in the banking environment : middle management program / L. Britz

OpenAIRE

Britz, Louise

2005-01-01

Franchising as a growth tool is becoming a very appealing business model which has highly successful examples in almost every business sector in the world. However in the banking environment, First National Bank has been the first bank to take the lead in South Africa by introducing the franchise concept to create value for its customers. Not all businesses are suitable to become franchises therefore the aim of this research was to establish what critical success factors can be considered as ...

Does business regulation matter for banks in the European Union?

OpenAIRE

Kalyvas, Nikolaos Antonios; Mamatzakis, Emmanuel

2014-01-01

This paper provides a comprehensive analysis of the impact of business and financial specific regulations on banks in the EU-27 over the 2004–2010 period. We employ a dataset of a wide range of business regulation indices from the “Doing Business” project of the World Bank. Results for the credit regulation indices show that the strength of creditor rights is negatively related to bank performance as measured by cost efficiency, although this effect subdues during the recent crisis period (20...

What about the multilateral banks?

International Nuclear Information System (INIS)

Planas Alexandra

1998-02-01

The role the World Bank and the Inter-American Development Bank are regarding the climate change problem is, in the same way as the international negotiations, pretty weak compared to the magnitude of the problem. The contradictions within these organizations concerning project financing and policies and strategies to support their clients in a sustainable energy path constitute a clear example of the ambiguities that still surrounds the position of the different countries in respect to the human induced global warming problem. Finally, we can see how the different countries and the new market conditions determine the role these organizations can play regarding the climate change problem

PENGARUH RELATIONSHIP MARKETING TERHADAP LOYALITAS NASABAH BANK

Directory of Open Access Journals (Sweden)

Sugeng Pradikto

2017-03-01

Full Text Available For banking world, the existence of customers was as important asset. In the middleof strict and dynamic competition, Bank Mandiri as one of financial service providers wasaware that customer’s loyalty was what should be obtained and maintained. One way appliedby Bank Mandiri as financial service provider was relationship marketing strategy. Marketingstrategy focussed on building relationship with the customers had final objective namely toobtain customer’s loyalty, with the purpose that these customers could provide long termadvantages for the company. This study was conducted on the customers of Tabungan Mandiriin PT. Bank Mandiri (Persero Branch of Pasuruan. The technique of data collection wasquestionnaire. The number of population was 10,627 customers. The number of sample was73 with simple random sampling technique. Data analysis applied regression analysis. Basedon the description on the result of the study above, it could be concluded that there waspositive and significant effects of variables service quality, commitment and communicationeither partially or simultaneously toward customer’s loyalty. Concerning the result of the study,it was suggested (1 to improve the service especially physical development or banking hallwhich should be conducted continuously in order to make customers satisfied in transaction.(2 to have more socialization on the use of Internet Banking Mandiri and SMS Banking Mandiritechnology in order to two ways communication between customers and Bank Mandiri.

The oil world war; La guerre mondiale du petrole

Energy Technology Data Exchange (ETDEWEB)

Lafargue, F

2008-07-01

Since the beginning of the 21. century, a war has started between the USA, China and India. The USA, first oil consuming and importing country in the world, has now to take into account the increasing energy consumption of China and India. China is now, just behind Japan, the third oil importing country and India ranked number seven. From the Gulf of Guinea to the Arabic peninsula, from the Orenoque basin to the Caspian sea banks, Washington, Beijing and New Delhi covet the same oil fields. This rivalry exacerbates the political tensions in many regions of the Earth and already provokes a latent food crisis. This black gold war is changing the World's face and should provoke serious armed conflicts. (J.S.)

Practitioners’ Views Promoting Infrastructure Investment: The G20 and the Multilateral Development Banks

Directory of Open Access Journals (Sweden)

Hannah Wurf

2017-12-01

Full Text Available The G20 is committed to promoting infrastructure investment and has called on multilateral development banks (MDBs to increase their infrastructure lending to help boost global growth. Alongside long-standing MDBs such as the World Bank and Asian Development Bank (ADB, new MDBs such as the Asian Infrastructure and Investment Bank (AIIB and the New Development Bank have been established, and G20 members would like both old and new multilateral banks to scale up their infrastructure investment by developing a pipeline of bankable projects. Even with all the MDBs investing more, they will not be able to satisfy the global need for infrastructure. What they can do, however, is start to fill the infrastructure gap by catalyzing private investment and cooperating on standards and regional infrastructure. Concerns have been raised about the geo-political implications of the new MDBs which underscore the need for MDB cooperation. There are challenges to and opportunities for this cooperation. The G20 needs to be clear about the role it can play in encouraging MDB cooperation and infrastructure investment, and must also be aware of the limitations on its role given that each MDB has its own mandate. Specifically, the G20 can downplay the perceived trade-off between efficiency and standards in the MDBs, encourage cooperation on new standards for sustainable or green infrastructure, invest in the Global Connectivity Alliance as a coordinating body for the MDBs and help align the G20 work on infrastructure with the United Nations Sustainable Development Agenda

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.

Microfinance around the world – regional SWOT analysis

OpenAIRE

Harmincova, Zuzana; Janda, Karel

2014-01-01

The paper focuses on comparison of the functioning of microfinance in various developing regions of the world, as well as on the analysis of the overall functioning, effectiveness, strengths and weaknesses, potential threats and opportunities in the microfinance markets. The conclusion offers several possibilities and insights on how microfinance could be more efficient in financial terms. The paper also presents a brief evaluation of the benefits of microfinance and based on its findings pro...

Closing the Gap in Education and Technology. World Bank Latin American and Caribbean Studies.

Science.gov (United States)

de Ferranti, David; Perry, Guillermo E.; Gill, Indermit; Guasch, J. Luis; Maloney, William F.; Sanchez-Paramo, Carolina; Schady, Norbert

This document examines the gap between the Latin America and Caribbean region and the world's developed nations in the areas of education and technology. It also examines policies and strategies to close the gap. The following are among the specific topics discussed: (1) skills upgrading and innovation policies (the major actors; the role of…

Access to Formal Banking and Household Finances: Experimental Evidence from India

OpenAIRE

Somville, Vincent; Vandewalle, Lore

2017-01-01

Access to formal banking is spreading across the world. Obtaining a bank account may transform how people manage their finances, and affect their savings and consumption. We report from a field experiment that randomly provides access to a bank account to a representative sample of villagers in rural India. The treated keep relatively important savings on their account, but reduce their other savings by a similar amount. Their household’s overall savings and expenditures do not change. We ide...

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...

Time series regression and ARIMAX for forecasting currency flow at Bank Indonesia in Sulawesi region

Science.gov (United States)

Suharsono, Agus; Suhartono, Masyitha, Aulia; Anuravega, Arum

2015-12-01

The purpose of the study is to forecast the outflow and inflow of currency at Indonesian Central Bank or Bank Indonesia (BI) in Sulawesi Region. The currency outflow and inflow data tend to have a trend pattern which is influenced by calendar variation effects. Therefore, this research focuses to apply some forecasting methods that could handle calendar variation effects, i.e. Time Series Regression (TSR) and ARIMAX models, and compare the forecast accuracy with ARIMA model. The best model is selected based on the lowest of Root Mean Squares Errors (RMSE) at out-sample dataset. The results show that ARIMA is the best model for forecasting the currency outflow and inflow at South Sulawesi. Whereas, the best model for forecasting the currency outflow at Central Sulawesi and Southeast Sulawesi, and for forecasting the currency inflow at South Sulawesi and North Sulawesi is TSR. Additionally, ARIMAX is the best model for forecasting the currency outflow at North Sulawesi. Hence, the results show that more complex models do not neccessary yield more accurate forecast than the simpler one.

THE GREEN BANK TELESCOPE H II REGION DISCOVERY SURVEY. III. KINEMATIC DISTANCES

Energy Technology Data Exchange (ETDEWEB)

Anderson, L. D. [Department of Physics, West Virginia University, Morgantown, WV 26506 (United States); Bania, T. M. [Institute for Astrophysical Research, Department of Astronomy, Boston University, 725 Commonwealth Avenue, Boston, MA 02215 (United States); Balser, Dana S. [National Radio Astronomy Observatory, 520 Edgemont Road, Charlottesville, VA 22903-2475 (United States); Rood, Robert T., E-mail: Loren.Anderson@mail.wvu.edu [Astronomy Department, University of Virginia, P.O. Box 3818, Charlottesville, VA 22903-0818 (United States)

2012-07-20

Using the H I emission/absorption method, we resolve the kinematic distance ambiguity and derive distances for 149 of 182 (82%) H II regions discovered by the Green Bank Telescope H II Region Discovery Survey (GBT HRDS). The HRDS is an X-band (9 GHz, 3 cm) GBT survey of 448 previously unknown H II regions in radio recombination line and radio continuum emission. Here, we focus on HRDS sources from 67 Degree-Sign {>=} l {>=} 18 Degree-Sign , where kinematic distances are more reliable. The 25 HRDS sources in this zone that have negative recombination line velocities are unambiguously beyond the orbit of the Sun, up to 20 kpc distant. They are the most distant H II regions yet discovered. We find that 61% of HRDS sources are located at the far distance, 31% at the tangent-point distance, and only 7% at the near distance. 'Bubble' H II regions are not preferentially located at the near distance (as was assumed previously) but average 10 kpc from the Sun. The HRDS nebulae, when combined with a large sample of H II regions with previously known distances, show evidence of spiral structure in two circular arc segments of mean Galactocentric radii of 4.25 and 6.0 kpc. We perform a thorough uncertainty analysis to analyze the effect of using different rotation curves, streaming motions, and a change to the solar circular rotation speed. The median distance uncertainty for our sample of H II regions is only 0.5 kpc, or 5%. This is significantly less than the median difference between the near and far kinematic distances, 6 kpc. The basic Galactic structure results are unchanged after considering these sources of uncertainty.

PREVIOUS DEVELOPMENTS AND THE CURRENT SITUATION IN THE TURKISH BANKING SECTOR, FOREIGN ENTRY AND ITS REFLECTIONS ON THE NATIONAL BANKING INDUSTRY

Directory of Open Access Journals (Sweden)

Aytac GOKMEN

2009-01-01

Full Text Available The banking industry possesses a unique property that is unlike to other sectors with respect to supplying liquidity and financial strength for the economy and transaction operations However, despite their significance, banking industries in the world are subject to various crises and foreign interventions that could affect the financial industry negatively. This study describes the background of the Turkish Banking Sector, explains the reasons for the three major crises it was subjected to in 1994, 2001 and 2002 that resulted from numerous factors such as insufficient implementation of regulations, inadequate depth of the capital markets, lack of assessment of risk, inadequate managerial applications and excessive lending to incorporated institutions. The study also dwells on the restructuring process that has been continuing for more than two decades, reasons of foreign entry to the Turkish Banking Industry, as well as explains the reflections of foreign entry on the national banking industry depending on various comprehensive and credible national and international publications.

The effects of foreign banks entry in emerging market economies

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MSc. Florida Veljanoska

2011-12-01

Full Text Available This paper investigates the effects of foreign bank entry in emerging markets. We developed a picture of a multinational bank in an emerging markets by combining statistics from several sources, in order to explore broad range of effects that brings foreign bank entry in the developing countries. Some impacts of foreign bank entry have been thoroughly studied, while others are hardly mention. Entry of foreign bank brings large benefits to host country’s financial system and economies at large. This paper is studying those benefits very carefully, by analyzing the impact of foreign bank entry on economy, government, monetary policy, large enterprises, small and medium size enterprises, domestic bank etc. But, we also consider the fact that at the same time, foreign investment in the financial sector, rises some concerns, and therefore we analyze the negative effects as well. At the end we must admit that although there are some negative consequences from foreign bank entry in emerging markets, the benefits that arise from foreign banks penetration are much more, and this trend of foreign bank entry has brought new positive economic impulse in developing world.

Fundamental Principles of Stem Cell Banking.

Science.gov (United States)

Sun, Changbin; Yue, Jianhui; He, Na; Liu, Yaqiong; Zhang, Xi; Zhang, Yong

2016-01-01

Stem cells are highly promising resources for application in cell therapy, regenerative medicine, drug discovery, toxicology and developmental biology research. Stem cell banks have been increasingly established all over the world in order to preserve their cellular characteristics, prevent contamination and deterioration, and facilitate their effective use in basic and translational research, as well as current and future clinical application. Standardization and quality control during banking procedures are essential to allow researchers from different labs to compare their results and to develop safe and effective new therapies. Furthermore, many stem cells come from once-in-a-life time tissues. Cord blood for example, thrown away in the past, can be used to treat many diseases such as blood cancers nowadays. Meanwhile, these cells stored and often banked for long periods can be immediately available for treatment when needed and early treatment can minimize disease progression. This paper provides an overview of the fundamental principles of stem cell banking, including: (i) a general introduction of the construction and architecture commonly used for stem cell banks; (ii) a detailed section on current quality management practices; (iii) a summary of questions we should consider for long-term storage, such as how long stem cells can be stored stably, how to prevent contamination during long term storage, etc.; (iv) the prospects for stem cell banking.

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

Changing Patterns of Spatial Clustering of Schistosomiasis in Southwest China between 1999–2001 and 2007–2008: Assessing Progress toward Eradication after the World Bank Loan Project

Science.gov (United States)

Hu, Yi; Xiong, Chenglong; Zhang, Zhijie; Luo, Can; Cohen, Ted; Gao, Jie; Zhang, Lijuan; Jiang, Qingwu

2014-01-01

We compared changes in the spatial clustering of schistosomiasis in Southwest China at the conclusion of and six years following the end of the World Bank Loan Project (WBLP), the control strategy of which was focused on the large-scale use of chemotherapy. Parasitological data were obtained through standardized surveys conducted in 1999–2001 and again in 2007–2008. Two alternate spatial cluster methods were used to identify spatial clusters of cases: Anselin’s Local Moran’s I test and Kulldorff’s spatial scan statistic. Substantial reductions in the burden of schistosomiasis were found after the end of the WBLP, but the spatial extent of schistosomiasis was not reduced across the study area. Spatial clusters continued to occur in three regions: Chengdu Plain, Yangtze River Valley, and Lancang River Valley during the two periods, and regularly involved five counties. These findings suggest that despite impressive reductions in burden, the hilly and mountainous regions of Southwest China remain at risk of schistosome re-emergence. Our results help to highlight specific locations where integrated control programs can focus to speed the elimination of schistosomiasis in China. PMID:24394217

ESSENCE OF ACTIVE OPERATIONS OF COMMERCIAL BANKS

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Malinovskaya Irina

2018-01-01

Full Text Available Introduction. Constant changes in the economic situation in the country and in the world give rise to new problems in asset management of commercial banks. This, in turn, requires the timely development and introduction of new and improved mechanisms for active operations of banking institutions. Only the implementation of such adequate mechanisms will allow, on the one hand, to satisfy the needs of consumers of banking services, and on the other – for banking institutions, to obtain the necessary level of profit for the acceptable risk to them. Purpose. Substantiation of theoretical foundations of organization and management of assets of banking institutions and determination of perspective directions of development of active operations in commercial banks. Results. The article provides a list of operations carried out by commercial banks of Ukraine. The essence of the concept of active operations of a banking institution as an important element of its activity for profit is considered. Possible variants of classification of active operations are analyzed, depending on the criterion underlying (risk level, liquidity and term of putting. The definition of a bank loan and its basic principles are given. The purposes and advantages of investment activity of banking institutions are specified, the classification of such activity is carried out. Proposed directions of development of active operations of banking institutions through the use of intermediary operations and unconventional banking services are offered. Conclusions. Currently, banking institutions carry out a large number of different banking operations. Mobilized by carrying out passive operations cash funds of the banking institution are placed through active operations in different directions. The basis of active operations of a commercial bank is its credit and investment operations. A commercial bank’s profits in the future are dependent on their effective conduct. The conduct of

Birth weight curves tailored to maternal world region.

Science.gov (United States)

Ray, Joel G; Sgro, Michael; Mamdani, Muhammad M; Glazier, Richard H; Bocking, Alan; Hilliard, Robert; Urquia, Marcelo L

2012-02-01

Newborns of certain immigrant mothers are smaller at birth than those of domestically born mothers. Contemporary, population-derived percentile curves for these newborns are lacking, as are estimates of their risk of being misclassified as too small or too large using conventional rather than tailored birth weight curves. We completed a population-based study of 766 688 singleton live births in Ontario from 2002 to 2007. Smoothed birth weight percentile curves were generated for males and females, categorized by maternal world region of birth: Canada (63.5%), Europe/Western nations (7.6%), Africa/Caribbean (4.9%), Middle East/North Africa (3.4%), Latin America (3.4%), East Asia/Pacific (8.1%), and South Asia (9.2%). We determined the likelihood of misclassifying an infant as small for gestational age (≤ 10th percentile for weight) or as large for gestational age (≥ 90th percentile for weight) on a Canadian-born maternal curve versus one specific to maternal world region of origin. Significantly lower birth weights were seen at gestation-specific 10th, 50th, and 90th percentiles among term infants born to mothers from each world region, with the exception of Europe/Western nations, compared with those for infants of Canadian-born mothers. For example, for South Asian babies born at 40 weeks' gestation, the absolute difference at the 10th percentile was 198 g (95% CI 183 to 212) for males and 170 g (95% CI 161 to 179) for females. Controlling for maternal age and parity, South Asian males had an odds ratio of 2.60 (95% CI 2.53 to 2.68) of being misclassified as small for gestational age, equivalent to approximately 116 in 1000 newborns; for South Asian females the OR was 2.41 (95% CI 2.34 to 2.48), equivalent to approximately 106 per 1000 newborns. Large for gestational age would be missed in approximately 61 per 1000 male and 57 per 1000 female South Asian newborns if conventional rather than ethnicity-specific birth weight curves were used. Birth weight curves

The World Development Report 2009: The Beginning of A Space Odyssey?

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Olivier Walther

2009-11-01

Full Text Available Introduction It was exactly forty years ago. The World Bank followed the recommendations of the Pearson Commission, which had been set up in order to evaluate the consequences of development aid. It was necessary to combat urbanisation, the Commission stated, by means of policies acting upon factors triggering rural migration and by supporting small regional centres (Ramsamy 2006. For her part, the urban planner Jane Jacobs published The Economy of Cities (1969, a work which reversed the ev...

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...

Cooperative credit banks and regional growth: creation of a local development model and analysis of the «G. Toniolo» Cooperative Credit Bank in San Cataldo

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Massimo Cermelli

2015-11-01

Full Text Available The economic crisis has called into question not only the banking systems, but also the development model. Cooperative credit banks have returned to occupy a central role, demonstrating with his broad background that another way of providing financial services can exist. In Italy, cooperative credit banks are principal players in the banking economic system. One of those banks is the «G. Toniolo», which has become over the years a reference in the local banking system.Received: 07.06.2015Accepted: 30.07.2015

FUTURE CHALLENGES TO THE ORGANIZATION OF ACCOUNTING IN TRADE BANKS

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Radka Andasarova

2014-06-01

Full Text Available Trade banks are on the threshold of the introduction of two big projects which would qualitatively change the organization of accounting. The first one is the adoption of long-expected accounting standard Financial instruments IFRS 9, and the second is connected to the introduction of new world standards in bank capital famous as Basel III - a global, voluntary regulatory standard on bank capital adequacy, stress testing and market liquidity risk, through accepted in June 2013 by the EU Capital Requirements Directive 2013/36/EC and Capital Requirements Regulation 575/2013.

CONSUMERS’ PREFERENCE TOWARD ISLAMIC BANKING

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delta khairunnisa

2017-06-01

Full Text Available Objective - This research aims to provide empirical evidence on the factors motivating consumers to save in Islamic banking.Methods - The one sample t-test is employed to test hypothesis. The validity and the reliability of research variables have been examined.Results - The result proved that consumers’ decision to save in Islamic banking are influenced by economic and religious factors, such as receiving economic benefits, quick services, online facilities, easily reachable locations, and having a better understanding of Islamic principles.Conclusions - The existence of a relationship between economic and religious preference proves that, in making decisions, consumers wish to attain two satisfaction levels: satisfaction in the world and in the hereafter.

A review of World Bank lending for electric power

International Nuclear Information System (INIS)

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

1989-01-01

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

World-wide and regional intercomparison for the determination of organochlorine compounds and petroleum hydrocarbons in mussel sample IAEA-142. Report no. 59

International Nuclear Information System (INIS)

Villeneuve, J.P.; Horvat, M.; Cattini, C.

1996-03-01

The accurate and precise determination of organochlorine compounds and petroleum hydrocarbons in marine environmental samples is an important aspect of marine pollution assessments in coastal and ocean environments. Intercomparison exercises represent an essential element of method testing and are used as a basic tool for evaluating data quality on a global and regional level. The Marine Environmental Studies Laboratory (MESL) of IAEA-MEL has conducted intercomparison exercises on trace organic compounds for over nineteen years as part of its contribution to IAEA's analytical quality control service and UNEP's regional seas programme, and occasionally in association with the intergovernmental oceanographic commission (of UNESCO) GIPME programme. These exercises are organized on a continuous basis, at least once per year. Result of previous exercises have revealed serious problems for many regional laboratories to obtain comparable data. As a consequence of this situation, it was decided to seek increased support for quality assurance programmes. Staff of MESL, with funding from UNEP, the World Bank and regional trust funds, embarked on a campaign to train analysts in modern measurement techniques, supply appropriate and reliable reference methods and materials and, where possible, to improve analytical instruments in Member State laboratories. This report describes results of the IAEA/UNEP intercomparison run 142 for the chemical analysis of organochlorine compounds and petroleum hydrocarbons in a homogenised mussel sample

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

Bank Loan Loss Provisions, Investor Protection and the Macroeconomy

OpenAIRE

Ozili, Peterson K

2017-01-01

This study investigates the non-discretionary determinants of bank loan loss provisions in Africa after controlling for macroeconomic fluctuation, financial development and investor protection. We find that non-performing loans, loan-to-asset ratio and loan growth are significant non-discretionary drivers of bank provisions in the African region. We observe that bank provision is a positive function of non-performing loans up to a threshold beyond which bank provisions will no longer increase...

THE ANALYSIS OF FINANCIAL CRISIS EFFECTS AT THE ROMANIAN BANK

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Izabella KRÁJNIK

2010-06-01

Full Text Available The banking incomes and costs represent an important source of information regarding the profitability of a bank. The paper aims to analyse the current financial world crisis. After describing its causes and effects, the study focuses on the crisis’ impact on the global economy; Romania is the core of this analysis, as it is a country which feels very strongly the effects of the international financial turmoil. In a banking environment such as Romania's, constantly changing and subject to the pressure of a fierce competition, all the attention of the banks management teams is oriented towards the costs and their possible reduction in regard to maximizing the profit. In this context we considered as particularly important the analysis of the bank costs within the framework of the Romanian banking system, analysis which targets their structure on one side and their evolution and efficiency on the other side.

Banking products : You can take them with you so why don't you?

NARCIS (Netherlands)

van der Cruijsen, Carin; Diepstraten, Maaike

2015-01-01

Policymakers around the world call for more competition in the banking sector. One barrier to achieving this goal is consumer inertia. Despite its policy relevance, there is surprisingly little known about consumers’ bank switching behaviour. By applying the switching costs typology developed by

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

FINANCIAL STABILITY OF BANKS IN TIMES OF CRISIS

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Svetlana Lanets

2015-11-01

Full Text Available This paper is aimed at drawing attention to the current situation and further development of the banking sector in Russia. In particular, it seeks to discuss ways to improve the financial stability of banks. The article looks at the banking system, describes the important role of banks in the economy of the country and establishes correlation between stability of banks and socioeconomic development of the country. It is underlined that the stability of banks is one of the key factors in economic growth. The article analyzes how the banking system has settled after the financial crisis. The focus of the article is on the characteristics of the current financial crisis, compares it to the previous ones and describes the impact of the crisis to the banks. In particular, in the frame of this publication we present the analysis of the features of crisis impact on regional banks and the possibility of losing them in near future. This paper emphasizes the impact of the banking system on the country's economy and demonstrates the importance of financial stability of the banks. Moreover the article underlines a set of financial – economic/bank – government approaches to the issue of improving financial stability in the contemporary financial crisis. The paper summarizes the government role in the time of modern financial crisis and describes the existing strategies of the state. At the same time article shows the dual role of the government activities in preventing to put the finance sector under such stress as on the one hand it helps banks to increase the capitalization of banks while on the other hand it introduces Basel 3 principles, which reduce capital. The study is based on the methods of analysis, comparison, statistical data and theoretical generalization. The scientific and theoretical part of the survey is based on the official statistics and data from the Central Bank. We believe that the issue of bank’s stability, especially in this

Industry Wage Surveys: Banking and Life Insurance, December 1976. Part I--Banking. Part II--Life Insurance. Bulletin 1988.

Science.gov (United States)

Barsky, Carl

This report presents the results of a survey conducted by the Bureau of Labor Statistics to determine wages and related benefits in (1) the banking industry and (2) for employees in home offices and regional head offices of life insurance carriers. Part 1 discusses banking industry characteristics and presents data for tellers and selected…

POSITIONING ANALYSIS OF ISLAMIC BANK vis-àvis CONVENTIONAL BANK IN INDONESIA USING PARAMETRIC SFA AND DFA METHODS15

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Ir Ascarya

2014-03-01

Full Text Available This study will measure and compare the efficiency of Conventional and Islamic banks in Indonesia using parametric approach stochastic frontier approach (SFA and distribution free approach (DFA. These measurements will provide comprehensive and robust results of efficiency of individual bank compare to its peer group. The results using parametric SFA show that in 2002, conventional banks (0.79 were slightly more efficient than Islamic banks (0.77, while in 2003, the efficiency of Islamic banks improved to 0.84 and the efficiency of conventional banks worsen to 0.76, so that Islamic banks have become more efficient than conventional banks. Conventional and Islamic banks have been improving and converged to the highest level of efficiency (1.00 since 2004. The DFA results show that conventional banks (0.89 are only slightly more efficient than Islamic banks (0.87. Conventional public bank (0.93 is the most efficient, while Islamic regional bank (0.84 is the least efficient. Moreover, efficient banks (conventional and Islamic do not always have lower OCOI (operating costs divided by operating income, while banks with better OCOI usually are more profitable (have better return on assets or ROA. Therefore, technically, Islamic banks have shown their readiness to compete head to head with their conventional counterparts. However, other aspects, such as, number of networks and branches, service quality, convenience, products and services provided, human resources, and pricing, should have become the next priorities for improvements.JEL Classification : C10, C33, G21, G28Keywords : Islamic Banking, Efficiency, Stochastic Frontier Approach, Distribution Free Approach

Highlights on the World Bank Loan Schistosomiasis Control Program in China (1991-1998): a special focus on Hunan Province.

Science.gov (United States)

Dongbao, Y; Ross, A G; Musheng, X; Yuesheng, L; Yan, C

1999-12-01

A region-wide sampling survey was conducted in 1995 in order to evaluate the current epidemiological status of schistosomiasis japonica in Hunan Province, China. A total of 45,590 humans and 3,726 domestic animals, from 52 villages, were examined parasitologically and/or serologically for current Schistosoma japonicum infections. In uncontrolled endemic areas (43 villages) the overall human prevalence of S. japonicum was 7.81% across the different geographical subtypes. The geometric mean intensity of infection was 17.71 eggs per gram (epg) among infected individuals and only 1.25 epg in the general population. The bovine prevalence, as determined by the hatching test, was 9.63% in the uncontrolled endemic villages. Only one sero-positive (by indirect hemagglutination assay) child was found among 1,072 children tested aged 10-14 years in the 9 endemic villages under effective control. No infection was confirmed by the Kato-Katz thick smear stool examination. When the results of this survey were compared to those seen at baseline (1989) an overall reduction of 45.65% was seen in the human prevalence but no significant change was apparent in the lake-beach ecotype. Additionally, there was more than a 60% reduction in the prevalence among bovines over the same sampling period. The results demonstrate that the World Bank Loan Schistosomiasis Program was successful in achieving its most basic objectives for this province - to reduce human and bovine infections by 40%.

Regional simulations of the Faroe Bank Channel overflow using a σ-coordinate ocean model

Science.gov (United States)

Seim, Knut S.; Fer, Ilker; Berntsen, Jarle

Gravity-driven overflow of cold, deep and intermediate water from the Norwegian Sea through the Faroe Bank Channel carries significant volume flux and contributes to the ventilation of the deep North Atlantic Ocean. Here we present results from regional simulations of the Faroe Bank Channel overflow using a terrain-following ( σ-coordinate) ocean model with fine resolution near the sea bed. The model results are compared with observations of hydrography, currents and turbulence conducted in 2008. Turbulent dissipation rate and eddy diffusivity profiles inferred from the observations are used in refining the parameters of the turbulence closure. The model reproduces the observed vertical structure of the enhanced dissipation and diffusivity in the bottommost 50-60 m exceptionally well. In this region, shear-induced mixing dominates and is found to be well-represented by the applied second order turbulence closure models. Farther away from the boundary, however, in the 100-m thick interfacial layer and above the plume-ambient interface, the model does not resolve the observed mixing. The contribution of turbulence from breaking internal waves is one of the processes not represented in the model with significant consequences for observed entrainment and mixing. Regular sub-inertial oscillations (eddies) at 4-4.5 day period develop downstream of the sill, consistent with the observations. When averaged over several eddy events, the evolution of section-averaged plume properties over the oscillation period shows that the eddies significantly affect mixing and the descent rate of the plume. At a section 60 km downstream of the sill, eddies lead to periodic and abrupt cross-isobath descent of the overflow plume and an increase in dissipation rate by one order of magnitude.

NetEnquiry--A Competitive Mobile Learning Approach for the Banking Sector

Science.gov (United States)

Beutner, Marc; Teine, Matthias; Gebbe, Marcel; Fortmann, Lara Melissa

2016-01-01

Initial and further education in the banking sector is becoming more and more important due to the fact that the regulations and the complexity in world of work and an international banking scene is increasing. In this article we provide the structures of and information on NetEnquiry, an innovative mobile learning environment in this field,…

Excellence Initiatives to Establish World-Class Universities: Evaluation of Recent Experiences

OpenAIRE

Jamil Salmi; Isak Froumin

2013-01-01

Jamil Salmi, Ph. D., coordinator of the World Banks tertiary education program (NW, Washington, D.C., United States), member of the International Advisory Panel, National Research University -Higher School of Economics, Moscow, Russian Federation. Email: Address: The World Bank Institute, 1818 H Street, NW, Washington, D.C. 20433, United States.Isak Froumin, Ped.D., Professor, Director of Research and Development at the Education Institute, National Research Unive...

[The eradication of the poliomyelitis in the European Region of the World Health Organization].

Science.gov (United States)

Limia Sánchez, Aurora

2013-01-01

Poliomyelitis was considered an important event for the public health since the end of XIX century when this disease became epidemic. As soon as vaccines were available member states of the World Health Organization (WHO) in the European Region started to implement vaccination programmes against polio with an important impact in the incidence in this disease. In May 1988, the World Health Assembly resolution for the global eradication of poliomyelitis was adopted and the mechanisms to oversee the progress in the different WHO Regions were established. This article briefly reviews the history of polio in the WHO European Region, the process for certification and maintenance, the strategies for eradication and the current situation in the European Region and globally. The European Region was certified polio-free in 2002. Nevertheless, there are still three endemic countries in the world, some others use live attenuated vaccines as well as countries in the Horn of Africa are recently suffering the reintroduction of wild poliovirus. Considering these circumstances, the risk of reintroduction of poliovirus and the generation of outbreaks in the European Region exists, therefore high vaccination coverage against polio and good quality surveillance systems are needed to be guaranteed in every member state.

World's finest tech sites immortalised

CERN Multimedia

2008-01-01

They may have transformed man's understanding of the universe but the monumental impact of the world's first large radio telescope and the planet's largest particle physics lab has never been fully recognised. Now both Jodrell Bank and CERN are among the technological landmarks that could be immortalised alongside the pyramids of Egypt and Taj Mahal on UNESCO's World Heritage Site (WHS) list.

World Regional Studies as a Research Framework and Academic Discipline

Directory of Open Access Journals (Sweden)

Ekaterina V. Koldunova

2016-01-01

Full Text Available Dynamic development of international processes at the regional level, various trajectories of regionalization in Europe, Asia, Latin America and other parts of the world created a complex and multidimensional picture of the contemporary international relations. However Social Sciences and IR retained a distinct eurocentrism. This eurocentrism only partly meant that students of IR did not take into account non-European or non-Western realities. Thus, a German Scholar J. Vullers from German Institute of Global and Area Studies analyzing in 2014 three leading International Relations journals (International Organization, World Politics, European Journal of International Relations diagnosed a serious geographic imbalance in the international studies, which meant a very limited number of articles based on the nonWestern empirical data.Even with such geographic imbalance in IR studies more important for preserving eurocentrism there was the absence of non-Western IR theories or IR theories originating from non-Western political context. The collective monograph edited by Barry Buzan and Amitav Acharya focused exactly on this problem. The title of the book was provocatively asking why there is no non-Western IR theory. Thus, the book in question provoked a lively academic debate on the topic. Russia was not covered in this book. Therefore, this very fact gives one some reasons to reflect on how Russian research in the field may face a double challenge of a changing international environment and an inappropriate level of its intellectual assessment. Against this background this article analyzes World Regional Studies, a research framework and discipline, which is rapidly developing in Russia and may to some extent contribute to a more correct understanding of the international processes.

Novčano-kreditni poslovi Narodne banke Srbije 1914-1915.

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Boško Mijatović

2017-08-01

Full Text Available This paper analyses the operations of the National Bank at the beginning of the World War One when Serbia was still free. The National Bank was subjected to unfavorable legislation at the beginning of the World War One and this has prevented its normal functioning and greater contribution to the war efforts. Major difficulties were caused by limited money contingent and debt moratorium, which practically made impossible to finance economy, banks and the population. For this reason the Bank was formally transformed into an exchange office of governmental foreign currency, and basically into a printing press for inflationary money for the needs of the State. This was undoubtedly useful duty in the wartime, but with negative consequences. The restricted operations of the National Bank, as well as related measures (suspension of convertibility, the ban of food and gold export, price control, in conjunction with an ongoing war effort, contributed to the great economic crisis in 1915. Rigorous measures made sense in the short run at the beginning of the war and they were imposed because „it was general belief (in Serbia that war cannot last long, because of high cash needs and huge military movements“ according to the report of Finance Ministry of 1925. However, these measures were maintained for too long, causing negative effects on economic affairs. It is not clear why they were not changed sooner. The Finance Minister Paču clearly saw the problems but, already sick and near the end of his life, may not have had the energy to convince the Prime Minister Pašić who was occupied with important military and political issues.The National Bank did not play particularly positive role in the World War One. The Government was mostly responsible for this because it did not allow necessary changes of the National Bank’s regulation on the eve of and during the war and also for implementing the problematic package of economic and financial policies

Acceptability of a future phantoms bank for quality control in nuclear medicine

International Nuclear Information System (INIS)

Ferreira, Fernanda Carla Lima; Souza, Divanizia do Nascimento

2011-01-01

Objective: The present study was aimed at determining the acceptability of a national or regional phantoms bank to be deployed in Brazil for shared use in quality control activities by nuclear medicine centers. Materials and Methods: The authors analyzed the answers to a questionnaire applied to medical physicists and radioprotection supervisors in Brazilian nuclear medicine centers. Initially, the questionnaire was validated by professionals in the city of Aracaju, SE, which is located in the Northeast region. The present study sample was geographically distributed as follows: the Northeast region, with answers from 13 professionals of nuclear medicine centers; the North region, with 2 professionals; the South region, with 7 professionals; the Southeast region, with 43 professionals; and the Midwest region, with 2 professionals. Results: According to the data analyzed, 82% of the respondents consider that the implementation of a phantoms bank would be a suitable alternative for improving nuclear medicine quality control. The interest in sharing the bank was reported by 87% of the respondents. Conclusion: The present study demonstrated the motivation for a shared use of a future phantoms bank. (author)

Acceptability of a future phantoms bank for quality control in nuclear medicine

Energy Technology Data Exchange (ETDEWEB)

Ferreira, Fernanda Carla Lima; Souza, Divanizia do Nascimento, E-mail: fernacarlaluan@gmail.co [Universidade Federal de Sergipe (UFS), Sao Cristovao, SE (Brazil). Program of Post-Graduation in Physics

2011-03-15

Objective: The present study was aimed at determining the acceptability of a national or regional phantoms bank to be deployed in Brazil for shared use in quality control activities by nuclear medicine centers. Materials and Methods: The authors analyzed the answers to a questionnaire applied to medical physicists and radioprotection supervisors in Brazilian nuclear medicine centers. Initially, the questionnaire was validated by professionals in the city of Aracaju, SE, which is located in the Northeast region. The present study sample was geographically distributed as follows: the Northeast region, with answers from 13 professionals of nuclear medicine centers; the North region, with 2 professionals; the South region, with 7 professionals; the Southeast region, with 43 professionals; and the Midwest region, with 2 professionals. Results: According to the data analyzed, 82% of the respondents consider that the implementation of a phantoms bank would be a suitable alternative for improving nuclear medicine quality control. The interest in sharing the bank was reported by 87% of the respondents. Conclusion: The present study demonstrated the motivation for a shared use of a future phantoms bank. (author)

Tissue banking, biovigilance and the notify library.

Science.gov (United States)

Strong, D Michael

2017-06-30

This issue is dedicated to the contributions of Professor Glyn O. Phillips to the field of tissue banking and the advancement of science in general. The use of ionizing radiation to sterilize medical products drew the interest of the International Atomic Energy Agency (IAEA). A meeting in 1976 in Athens Greece to present work on the effects of sterilizing radiation doses upon the antigenic properties of proteins and biologic tissues was my first introduction of Professor Phillips and the role that he was to play in Tissue Banking (Friedlaender, in Phillips GO, Tallentine AN (eds) Radiation sterilization. Irradiated tissues and their potential clinical use. The North E. Wales Institute, Clwyd, p 128, 1978). The IAEA sponsored subsequent meetings in the Republic of Korea, Czechoslovakia and Rangoon, the later including a visit to the tissue bank by Professor Phillips. His advocacy resulted in multiple workshops and teaching opportunities in a variety of countries, one of which led to the establishment of the Asia Pacific Surgical Tissue Banking Association in 1989 (Phillips and Strong, in Phillips GO, Strong DM, von Versen R, Nather A (eds) Advances in tissue banking, vol 3. World Scientific, Singapore, pp 403-417, 1999).

New Global Financial Order and Promotion of Asian Infrastructural Investment Bank (AIIB: Opportunities and Challenges for Africa

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Jacob Olufemi Fatile

2016-03-01

Full Text Available The main objective of this paper is to examine the effect of Asian Infrastructure Investment Bank (AIIB on infrastructural development in developing countries with specific reference to Africa. The paper argues that availability of infrastructure has become one of the major problems in the process of economic development generally in the Global South. Given the need for hugecapital infrastructure in the region and thepresence of the financing gap in infrastructure financing, China initiated the establishment of the AIIB, therefore, heralding a new chapter in the international finance system. The study uses the “New Model Development Finance” lens to discuss Global Governance of Finance with a historical overview of GlobalFinancial Institutions such as the International Monetary Fund (IMF and World Bank that have been in existence for close to seven decades. It identifies the majorchallenges which emerging economies have with existing international financial institutions as well as some opportunities and challenges for African countries. It observes that the establishment of AIIB is a major diplomatic victory for China and a foreign policy fiasco for the United States. It argues further that the new bank is a parallel project to the existing international financial institutions and may accidentally lead to a reform of the Bretton Woods system. The paper recommends among others that AIIB should find a way to work hand-in-hand with other existing Multilateral Development Banks (MDBs since cooperation with such development agencies can engender positive image and goodwill for the new bank. It concludes that the establishment and development of AIIB need support from all over the world because AIIB is designed to provide financing methods for infrastructure in developing countries across the globe including African nations.

The World Report on Disability and People with Intellectual Disabilities

Science.gov (United States)

Officer, Alana; Shakespeare, Tom

2013-01-01

The "World Report on Disability" was requested by the World Health Assembly, the governing body of the World Health Organization (WHO). Because disability is broader than health, WHO partnered with the World Bank. The "World Report" was published in 2011 and provides a comprehensive scientific analysis on the global situation…

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

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...

THE METHODOLOGICAL APPROACHES TO THE BANK DEPOSITS GUARANTEE PROBLEM SOLVING

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O.I. Pechonik

2006-12-01

Full Text Available In world banking practice it is considered that it is better to solve the problem of one bank, rather than arouse the mass impressment of deposits, generating the effect of spreading the disease onto the other credit institutions. In our conditions the process of spreading was specifically reflected in flowing the financial resources of people out of the commercial banks into Sberbank, that shortened drawn resources of other banks, lowed their financial steadiness. The decision of this problem demands conducting aim-oriented policy on the safe-keeping of funds of individuals and organizations in all commercial banks. In other words, the system of deposits insurance is needed, which is based on the necessary participation of all banks and credit organizations, drawing money resources into deposits. But the legislation we have nowadays does not allow to provide in full measure the demanded guarantees to depositors, to form real mechanism of bank liquidity crisis and mass impressments of financial resources by the depositors prevention in case of negative economic market or bankruptcy.

Islamic Banking in Global Economic Context (Critical Studies of Operational System and Performance of Islamic Banking

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Jamal Abdul Aziz

2018-01-01

Full Text Available Berdasarkan kajian terhadap sejarah kemunculan dan sistem operasional Bank Islam beserta kinerjanya, penulis menyimpulkan bahwa konsep bank Islam pada hakekatnya merupakan bentuk islamisasi terhadap institusi perbankan. Hanya saja proses islamisasi yang terjadi baru sebatas pada aspek-aspek yang bersifat marginal, artifisial, dan formal-institusional, seperti penggantian istilah-istilah teknis dalam dunia perbankan dengan istilah yang berasal dari fikih muamalah, penghapusan bunga, dan penolakan terhadap praktek-praktek bisnis yang haram. Selebihnya, bank Islam tidak berbeda dengan bank konvensional. Dampak dari islamisasi yang kurang substansial-komprehensif tersebut adalah timbulnya kesan bahwa bank Islam justru ‘terbelenggu’ oleh konsep-konsep fikih klasik yang mendasarinya, di mana ia cenderung kontra produktif dengan tren  bisnis moderen yang senantiasa menuntut efisiensi dan fleksibilitas. Agar tetap dapat survive di masa-masa mendatang, bank Islam perlu mengevaluasi diri secara terus menerus dengan selalu membuka diri terhadap berbagai kritikan yang dialamatkan kepadanya. Konsepsi yang terlalu berorientasi kepada doktrin harus diimbangi dengan kesadaran akan fakta-fakta dan tuntutan bisnis moderen, baik yang berskala lokal maupun global. Sementara itu cita-cita Islam yang ideal, seperti pemberantasan kemiskinan, pendistribusian kekayaan secara adil, dan penciptaan lapangan kerja, harus tetap menjadi orientasi utamanya. Kata Kunci:Riba, Profit and Loss Sharing, Mudlârabah, Murâbahah, Artificial Aspects of Islam  Abstract:Based on the study of the history of emergence and operation of Islamic Bank and its system performance, the author conclude that the concept of Islamic bank is essentially a form of Islamization of the banking institutions. Such Islamization are limited to the marginal, artificial, and formal-institutional aspects, such as the replacement of technical terms in the banking world with a term derived from the fiqh

Mitigating Evidentiary Bias in Planning and Policy-Making; Comment on “Reflective Practice: How the World Bank Explored Its Own Biases?”

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Justin Parkhurst

2017-02-01

Full Text Available The field of cognitive psychology has increasingly provided scientific insights to explore how humans are subject to unconscious sources of evidentiary bias, leading to errors that can affect judgement and decision-making. Increasingly these insights are being applied outside the realm of individual decision-making to the collective arena of policy-making as well. A recent editorial in this journal has particularly lauded the work of the World Bank for undertaking an open and critical reflection on sources of unconscious bias in its own expert staff that could undermine achievement of its key goals. The World Bank case indeed serves as a remarkable case of a global policy-making agency making its own critical reflections transparent for all to see. Yet the recognition that humans are prone to cognitive errors has been known for centuries, and the scientific exploration of such biases provided by cognitive psychology is now well-established. What still remains to be developed, however, is a widespread body of work that can inform efforts to institutionalise strategies to mitigate the multiple sources and forms of evidentiary bias arising within administrative and policy-making environments. Addressing this gap will require a programme of conceptual and empirical work that supports robust development and evaluation of institutional bias mitigation strategies. The cognitive sciences provides a scientific basis on which to proceed, but a critical priority will now be the application of that science to improve policy-making within those agencies taking responsibility for social welfare and development programmes.

Kinerja Efisiensi Teknis Bank Pembangunan Daerah: Pendekatan Data Envelopment Analysis (DEA

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Zaenal Abidin

2009-01-01

Full Text Available This research utilises the non-parametric frontier approach, Data Envelopment Analysis (DEA to analyze technical efficiency of the regional development banks (BPD. The data was during 2006-2007 covering 26 BPD in Indonesia. The result of study indicated that the regional of development bank did not achieve technical efficiency at the level of maximum (100%. On avarege, the big-asset of BPD are found to be more efficient than the middle and small asset. The study has important implications such as guiding the BPD policy regarding merger and bank intermediary. Since the study pinpoints the sources of inefficiency , it would also help banks with strategic planning Abstract in Bahasa Indonesia:Penelitian ini menggunakan pendekatan non-parametrik Data Envelopment Analysis untuk menganalisis efisiensi teknis Bank Pembangunan Daerah (BPD. Data yang digunakan selama 2006-2007 yang meliputi 26 bank BPD seluruh Indonesia. Hasil studi menunjukkan bahwa kinerja efisiensi teknis bank BPD belum mencapai tingkat efisiensi optimal 100 persen. Secara rata-rata, bank BPD beraset lebih besar lebih efisien daripada bank BPD beraset menengah dan kecil. Penelitian ini memiliki implikasi penting dalam rangka mengoptimalkan kinerja efisiensi maka bank kecil dan menengah harus melakukan merger dan meningkat fungsi intermediasi perbankan. 

The impact of corruption on the soundness of Islamic banks

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Khemaies Bougatef

2015-12-01

Full Text Available Islamic banking is developing rapidly around the world and is increasingly recognized as a viable alternative mode of financing especially these last years when capitalism has shown its limits and weaknesses. However, this astronomical growth of banking and Islamic finance was associated with a high level of corruption that plagues many Muslim countries. This ailment of corruption can deter Islamic banking to be a better effective and meaningful pathway for poverty reduction and economic development. The purpose of this paper is to investigate the impact of corruption on the soundness of Islamic banks (IBs. Using a panel of 69 IBs over the period 2008–2010, we provide robust evidence that the corruption level aggravates the problem of impaired financing.

Bank Consolidation in Nigeria: Marketing Implications and Challenges for the Surviving Banks

OpenAIRE

IE Ernest

2012-01-01

The purpose of this paper is to explore the marketing implications of the Nigerian bank consolidation with a view to theorizing the marketing challenges which Third World countries wishing to embark on the same exercise should watch out for. The research used secondary data sources to expose the status of marketing in the pre-consolidation era and goes further to put forward the marketing implications and challenges of the exercise. Delivery of quality services, repositioning of brand identi...

The Central Bank and the State Budget: Selected Legal Aspects

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Andrzej Borodo

2015-09-01

Full Text Available The Polish Central Bank (National Bank of Poland – NBP performs mainly macro-economic tasks, for maintaining price levels. This Bank is not focused on tasks aimed at the interests of the State Budget. The Central Bank has a lot of power in the creation of money. It seems, there is possible to create the budgetary revenues, which are connected with the emission of money. In particular, the income from emission of coins may be determined as the budget revenue. The connection the Treasury with the Central Bank results from the historical evolution of the origin and role of the Central Bank. It is reasonable to increase the role of the treasury securities in the Central Bank activity. The Treasury Bills should be used in the open market policy leading by the Central Bank. There is the issue of changing of the Constitution of the Republic Poland in the field of limit of the public debt (60% of GDP. It seems, the Polish Constitution should not be the only constitution in the world that introduced such a limit. This limit, and the limit on annual budgetary deficit, introduces EU law. That is a sufficient legal limit.

FAKTOR DETERMINAN MARJIN BUNGA BERSIH BANK PEMBANGUNAN DAERAH DI INDONESIA: SUATU STUDI DATA PANEL

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Pamuji Gesang Raharjo

2017-03-01

Full Text Available This paper analyzed the determinants of net interest margins of the regional development banks (BPD inIndonesia. The empirical specification was focused on the reported net interest rate margin that was assumed tobe a function of two sets variables namely bank internal variable and macro economic factor as the externalvariable. The sample used in this study consisted of eight regional developments banks during the first threemonths of 2008 until the fourth three months of 2012. The results of panel data analysis with fixed effect modelshowed that bank internal factors such as Return on Asset (ROA and asset growth (LNSIZE had a contributionto the hight of net interest margin of the regional development banks (BPD in Indonesia. Furthermore, themarket interest rate as a macroeconomic variable had a positive relationship with the net interest margin of theregional development banks.

Urban air quality in the Asian region

International Nuclear Information System (INIS)

Hopke, Philip K.; Cohen, David D.; Begum, Bilkis A.; Biswas, Swapan K.; Ni Bangfa; Pandit, Gauri Girish; Santoso, Muhayatun; Chung, Yong-Sam; Davy, Perry; Markwitz, Andreas; Waheed, Shahida; Siddique, Naila; Santos, Flora L.; Pabroa, Preciosa Corazon B.; Seneviratne, Manikkuwadura Consy Shirani; Wimolwattanapun, Wanna; Bunprapob, Supamatthree; Thu Bac Vuong

2008-01-01

Over the past decade, member states of the Regional Co-operation Agreement (RCA), an intergovernmental agreement for the East Asia and Pacific region under the auspices of the IAEA with the assistance of international organizations and financial institutions such as the World Bank and the Asian Development Bank, have started to set in place policies and legislation for air pollution abatement. To support planning and evaluate the effectiveness of control programs, data are needed that characterizes urban air quality. The focus of this measurement program describe in this report is on size segregated particulate air pollution. Such airborne particulate matter can have a significant impact on human health and urban visibility. These data provide the input to receptor models that may permit the mitigation of these impacts by identification and quantitative apportionment of the particle sources. The aim of this report is to provide an overview of the measurements of concentrations and composition of particulate air pollution in two size fractions across the participating countries. For many of the large cities in this region, the measured particulate matter concentrations are greater than air quality standards or guidelines that have been adopted in developed countries

Urban air quality in the Asian region

Energy Technology Data Exchange (ETDEWEB)

Hopke, Philip K. [Center for Air Resources Engineering and Science, Department of Chemical and Biomolecular Engineering, Clarkson University, Potsdam, NY 13699-5708 (United States)], E-mail: hopkepk@clarkson.edu; Cohen, David D. [Australian Nuclear Science and Technology Organisation (ANSTO), Physics Division, Private Mail Bag 1, Menai 2234, NSW (Australia); Begum, Bilkis A.; Biswas, Swapan K. [Bangladesh Atomic Energy Commission (BAEC), Atomic Energy Centre, Dhaka (AECD), P.O. Box 164, Dhaka (Bangladesh); Ni Bangfa [China Institute of Atomic Energy (CIAE), China National Nuclear Corp. (CNNC), P.O. Box 275-50, Beijing 102413 (China); Pandit, Gauri Girish [Bhabha Atomic Research Centre, Trombay, Mumbai 400085 (India); Santoso, Muhayatun [Center for Nuclear Technology of Material and Radiometry, National Nuclear Energy Agency (BATAN), Jl. Tamansari 71, Bandung 40132 (Indonesia); Chung, Yong-Sam [Hanaro Center, Korea Atomic Energy Research Institute (KAERI), 150 Dukjin-dong, Yusung-ku, P.O. Box 105, Daejon 305-600 (Korea, Republic of); Davy, Perry; Markwitz, Andreas [Institute of Geological and Nuclear Sciences (GNS), 30 Gracefield Road, P.O. Box 31-312, Lower Hutt (New Zealand); Waheed, Shahida; Siddique, Naila [Division of Nuclear Chemistry, PINSTECH, Pakistan Atomic Energy Commission (PAEC), P.O. Box 1482, Nilore, Islamabad (Pakistan); Santos, Flora L.; Pabroa, Preciosa Corazon B. [Philippine Nuclear Research Institute (PNRI), Commonwealth Avenue, Diliman, P.O. Box 213, Quezon City 1101 (Philippines); Seneviratne, Manikkuwadura Consy Shirani [Atomic Energy Authority, 60/460, Baseline Road, Orugodawatta, Wellampitiya (Sri Lanka); Wimolwattanapun, Wanna; Bunprapob, Supamatthree [Thailand Institute of Nuclear Technology (TINT), 16 Vibhavadi Rangsit Road, Bangkok 10900 (Thailand); Thu Bac Vuong [Centre for Radiation Protection, Institute of Nuclear Sciences and Technology, P.O. Box 5T-160, Cau Giay (Viet Nam)] (and others)

2008-10-01

Over the past decade, member states of the Regional Co-operation Agreement (RCA), an intergovernmental agreement for the East Asia and Pacific region under the auspices of the IAEA with the assistance of international organizations and financial institutions such as the World Bank and the Asian Development Bank, have started to set in place policies and legislation for air pollution abatement. To support planning and evaluate the effectiveness of control programs, data are needed that characterizes urban air quality. The focus of this measurement program describe in this report is on size segregated particulate air pollution. Such airborne particulate matter can have a significant impact on human health and urban visibility. These data provide the input to receptor models that may permit the mitigation of these impacts by identification and quantitative apportionment of the particle sources. The aim of this report is to provide an overview of the measurements of concentrations and composition of particulate air pollution in two size fractions across the participating countries. For many of the large cities in this region, the measured particulate matter concentrations are greater than air quality standards or guidelines that have been adopted in developed countries.

Non-performing loans decision making in the Romanian banking system

Directory of Open Access Journals (Sweden)

Pop Ionuț-Daniel

2018-03-01

Full Text Available Non-Performing Loans (NPLs are representing nowadays one of the main challenges for the banking systems all over the world. Therefore, a sustainable decision-making process should be implemented, for minimizing the effects of credit risk. The current paper uses a dynamic panel regression model to present the determinants of NPLs for the largest five banks of the Romanian Banking System during 2007-2016. A Generalized Method of Moments (GMM regression is used and defined under three different types of variables: bank specific indicators, macroeconomic indicators and qualitative variables. Other studies illustrated also the determinants of NPLs in various banking systems from all around the world, such as Japan, China or several CEE countries (especially the emergent ones. After an in-depth analysis of the literature and Romanian market, the following variables were found to be relevant and were introduced into a dynamic data panel model: unemployment rate, annual average growth rate of gross domestic product, return on equity (ROE, loan to deposit ratio (LTD. The existing literature presents ROE as having a negative impact on NPLs, unemployment rate being positive correlated with NPLs and a negative relationship between economic growth and such loans. Our contribution to the current literature is represented by the introduction of two additional qualitative variables (Board Risk Management Ratio (BRMR, as the proportion of risk managers within the Board of Directors of each bank in question and the Expert Aggregate Priority Vector (EAPV, as the aggregated perceived risk regarding the NPLs. The decision of introducing these variables relies on previous research made in this area, results being validated by experts from the Romanian Banking System, according to the BASEL III and NBR criteria. The results of the current paper are consistent with the existent literature, the correlations and impact of the variables being relevant for the subject

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.

An Overview of Corporate Governance Practices of Selected Islamic Banks

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Zainab Belal

2016-05-01

Full Text Available Complying with Corporate Governance (CG standards is not mandatory but with collapse of many financial institutions, compliance with high standards of CG in banking operation has become a necessity. This is due to the fact that many banks and companies worldwide collapsed as a result of poor corporate governance practices such as Bank of Credit and Commerce International (BCCI 1991, Barings Bank 1995, Lehman Brothers 2008, Enron 2001, WorldCom 2001, etc. Therefore, the objective of this paper is to examine and ascertain whether present level of CG standards practiced by Islamic banks is adequate to prevent or safeguard the banks from collapsing. The approach of the study is to evaluate the effectiveness of board and the various board committees utilizing data published in financial statement of the selected banks. The methodology used in this paper is analytical descriptive to reach accurate results and as more appropriate approach with this research. The study finds out that the selected banks comply with CG standards adopted; however such compliance does not mean that the board, the board committees will be constantly reliable. Therefore, instilling the Islamic values such as the concepts of ih}sân, honesty, and accountability is paramount to prevent CG failures and protect/safeguard the banks from collapsing.

Impact of Technological Innovations on Customers in an Emerging Banking Industry in Ghana

DEFF Research Database (Denmark)

Kofi Wireko, Joseph; Ameme, Bright

2016-01-01

. Whilst banks derive efficiency from these innovations, customers are however impacted with convenience and transaction costs offered by these innovative services and electronic activities. This study sought to understand the impact of these electronic banking services on customer satisfaction and related....... Whilst the study concluded that there is a significant relationship between customer satisfaction and technological innovations in the Ghanaian banking industry, it was revealed that the costs associated with technological innovations in banking have also increased transactions costs to the disadvantages......Without continuous technological innovations in today’s highly digital world, it will be extremely difficult for banks to remain relevant within the competitive landscape. Bank customers are also becoming very sophisticated and their demands drive the direction of these technological innovations...

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…

Digital Banking: Risks of Financial Digitalization

Directory of Open Access Journals (Sweden)

Kornіvska Valerіa O.

2017-09-01

Full Text Available The paper demonstrates the results of the research into development of the digital economy in the global financial space, shows the contradictions of these processes in the context of the growth of financial inclusion of households, identifies the risks of active introduction of digital banking in poor countries of the world. The characteristics of the processes of growth of the influence of banking institutions on the operational activity and daily life of households are given, and it is proved that under conditions of digital banking, without having any other alternative ways of economic activity in terms of money circulation than non-cash turnover, clients are forced to agree to unlimited presence of financial operators in social systems. It is substantiated that in Ukraine the global risk of digitalization of the society is gradually developing as a result of the creation of unified information systems for the control of global financial flows.

Cracking Bank PINs by Playing Mastermind

Science.gov (United States)

Focardi, Riccardo; Luccio, Flaminia L.

The bank director was pretty upset noticing Joe, the system administrator, spending his spare time playing Mastermind, an old useless game of the 70ies. He had fought the instinct of telling him how to better spend his life, just limiting to look at him in disgust long enough to be certain to be noticed. No wonder when the next day the director fell on his chair astonished while reading, on the newspaper, about a huge digital fraud on the ATMs of his bank, with millions of Euros stolen by a team of hackers all around the world. The article mentioned how the hackers had 'played with the bank computers just like playing Mastermind', being able to disclose thousands of user PINs during the one-hour lunch break. That precise moment, a second before falling senseless, he understood the subtle smile on Joe's face the day before, while training at his preferred game, Mastermind.

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

Directory of Open Access Journals (Sweden)

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

Tidal residual current and its role in the mean flow on the Changjiang Bank

Science.gov (United States)

Xuan, Jiliang; Yang, Zhaoqing; Huang, Daji; Wang, Taiping; Zhou, Feng

2016-02-01

The tidal residual current may play an important role in the mean flow in the Changjiang Bank region, in addition to other residual currents, such as the Taiwan Warm Current, the Yellow Sea Coastal Current, and the Yellow Sea Warm Current. In this paper, a detailed structure of the tidal residual current, in particular the meso-scale eddies, in the Changjiang Bank region is observed from model simulations, and its role in the mean flow is quantified using the well-validated Finite Volume Coastal Ocean Model. The tidal residual current in the Changjiang Bank region consists of two components: an anticyclonic regional-scale tidal residual circulation around the edge of the Changjiang Bank and some cyclonic meso-scale tidal residual eddies across the Changjiang Bank. The meso-scale tidal residual eddies occur across the Changjiang Bank and contribute to the regional-scale tidal residual circulation offshore at the northwest boundary and on the northeast edge of the Changjiang Bank, southeastward along the 50 m isobath. Tidal rectification is the major mechanism causing the tidal residual current to flow along the isobaths. Both components of the tidal residual current have significant effects on the mean flow. A comparison between the tidal residual current and the mean flow indicates that the contribution of the tidal residual current to the mean flow is greater than 50%.

Tidal residual current and its role in the mean flow on the Changjiang Bank

Energy Technology Data Exchange (ETDEWEB)

Xuan, Jiliang; Yang, Zhaoqing; Huang, Daji; Wang, Taiping; Zhou, Feng

2016-02-01

Tidal residual current may play an important role in the mean flow in the Changjiang Bank region, in addition to other residual currents, such as the Taiwan Warm Current, the Yellow Sea Coastal Current, and the Yellow Sea Warm Current. In this paper, a detailed structure of the tidal residual current, in particular the meso-scale eddies, in the Changjiang Bank region is observed from model simulations, and its role in the mean flow is quantified using the well-validated Finite Volume Coastal Ocean Model). The tidal residual current in the Changjiang Bank region consists of two components: an anticyclonic regional-scale tidal residual circulation around the edge of the Changjiang Bank and some cyclonic meso-scale tidal residual eddies across the Changjiang Bank. The meso-scale tidal residual eddies occur across the Changjiang Bank and contribute to the regional-scale tidal residual circulation offshore at the northwest boundary and at the northeast edge of the Changjiang Bank, southeastward along the 50 m isobath. Tidal rectification is the major mechanism causing the tidal residual current to flow along the isobaths. Both components of the tidal residual current have significant effects on the mean flow. A comparison between the tidal residual current and the mean flow indicates that the contribution of the tidal residual current to the mean flow is greater than 50%.

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.

THE CHOICE OF THE EXCHANGE RATE REGIMES OF THE EUROPEAN UNION ACCESSION COUNTRIES INFLUENCED BY THE WORLD CURRENCY CONSOLIDATION

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Marin Frâncu

2004-05-01

Full Text Available The pressure of the currency consolidation increased in the years 1990 as the world currency system became obviously too complicated and too costly. There are too many national currencies that generate artificial barriers and avoidable transaction costs, both for the domestic economies and for the world economy. The high costs and great vulnerability of the national currencies determined the financial and economic business of small open economies to move into the major currencies of the world. The world needs fewer national currencies, but does it need fewer central banks too? Or it needs central banks capable to pursuit sound monetary policies? What kind of institutional arrangements and international financial architecture are most suitable for the prospective environment of a greatly reduced multiplicity of currencies? A regional currency consolidation may be a good answer but a regional currency union is a better answer. Though, until membership of the Euro zone, what kind of the exchange rate regime is more suitable for Romania and other European Union accession countries? The hard peg regimes seem not to be a good solution. The best solution lays probable between managed floating regimes and intermediate regimes. This may be because emerging markets have both “fear of floating” and “fear of fixing”. But there is no ideal exchange rate regime”to suit everybody”. Once the exchange rate regime chosen, it evolves in time. So is the case with the exchange rate benchmarks for the national currency.

Critical challenges affecting Islamic banking growth in India using Analytical Hierarchy Process (AHP)

OpenAIRE

Mosab I. Tabash

2017-01-01

The banking sector plays a vital role in growth-supporting factor for economic growth in the world’s fastest-growing economies like India. Recently, Islamic banking has become an increasingly popular method for alleviating poverty, financial inclusion and economic development around the world. Its importance is highly needed in developing and emerging countries such as India. The main purpose of the paper is to identify and prioritize the critical impeding factors for Islamic banking growth i...

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 ...

A unified world oil market: Regions in physical, economic, geographic, and political space

International Nuclear Information System (INIS)

Kaufmann, Robert K.; Banerjee, Shayan

2014-01-01

Although there is a general consensus that the market is unified, here we quantify the factors that create regions by analyzing the price relation between 33 crude oils. ADF statistics indicate that 447 of the 528 crude oil pairings cointegrate; 81 do not. The presence/absence of cointegration is analyzed using a logit model. The likelihood that the prices for two crude oils cointegrate depends on their physical characteristics (density and sulfur content), economic factors (country risk for the nation of origin), their geographic location (distance between supply ports), and political factors (OPEC membership). Over the sample period, the technology to refine heavy crude oils penetrates the market, and this reduces the price difference between heavy and light crude oils. The effect of country risk implies that crude oils from high risk nations are not perfect substitutes for crude oils of similar quality from low risk nations. Finally, crude oils from widely separated suppliers are more likely to cointegrate than crude oils from near-by nations, which suggests consumers diversify supply across transportation chokepoints. For this sample, these sources of regionalization add $0.20 per barrel to the $2.86 average price difference between crude oils in the same market. Together, these factors have important implications for the efficacy of policy aimed at reducing dependence on unreliable suppliers and the spill-over effects of holding inventories. - Highlights: • The world oil market is not completely unified. • Regions are defined by differences in API gravity and sulfur content. • Country risk regionalizes the world oil market. • Shipping chokepoints regionalize the world oil market. • Regionalization adds $0.20 to $2.86 price difference between oils in same market

Market, Country and World Effects on Regional Equity Market Integration

Directory of Open Access Journals (Sweden)

Chee Wooi Hooy

2014-08-01

Full Text Available This study explores the fundamental driving forces of regional equity market integration in a trading bloc. The determinant factors are categorized into market attribute, economic fundamentals and world information. Our sample consists of 26 equity markets of ive regional trading blocs, namely AFTA, CER, EFTA, EU and NAFTA over the period of January 1999 to  August  2005.  We  measure  market  integration  based  on  pricing  errors  as  proposed  by Korajczyk (1996 and Levine and Zervos (1998. Using panel regressions, our results show that  equity  integration  in  these  trading  blocs  is  driven  internally,  where  only  individual-market  volatility  and  economic  fundamentals  play  a  signiicant  role  in  the  process.  Intra-bloc  trade  is  found  to  enhance  regional  equity  market  integration,  supporting  the  notion that  regional  convergence  extends  beyond  the  trade  sector  that  is  promoted  in  the  trade agreements.  We  also  document  regime  shifting  effects  during  stock  market  crises,  where most  of  these  markets  became  strongly  integrated  after  a  regional  crisis,  but  integration was signiicantly weakened during a crisis that affected the world markets. Also, the level of equity market integration differs across trading blocs, where the blocs with a smaller number of country members are relatively more integrated. ";} // -->activate javascript

Energy financing in today's world - a banker's viewpoint

International Nuclear Information System (INIS)

Mackrell, Ian

1991-01-01

If the world runs on energy, the energy industry runs on finance. Supplying the industry's huge appetite for funds -on the scale and in the form required - has always posed a major challenge to the international banking community. But in some respects that challenge is greater today than it has ever been, not only because of the industry's escalating requirements but also because of the way bank's attitudes have been changing in the recent past. One reason for this is the rapidly evolving scene within the energy business in response to the harsher competitive conditions and the greater uncertainties of tomorrow. However, the other major factor is that banking itself has been undergoing significant change as a result of severe pressures and constraints, both internal and external. Some of the key global trends and issues affecting energy financing in today's world are considered here. (author)

Energy financing in today's world - a banker's viewpoint

Energy Technology Data Exchange (ETDEWEB)

Mackrell, Ian [Barclays Bank plc, London (GB)

1991-07-01

If the world runs on energy, the energy industry runs on finance. Supplying the industry's huge appetite for funds -on the scale and in the form required - has always posed a major challenge to the international banking community. But in some respects that challenge is greater today than it has ever been, not only because of the industry's escalating requirements but also because of the way bank's attitudes have been changing in the recent past. One reason for this is the rapidly evolving scene within the energy business in response to the harsher competitive conditions and the greater uncertainties of tomorrow. However, the other major factor is that banking itself has been undergoing significant change as a result of severe pressures and constraints, both internal and external. Some of the key global trends and issues affecting energy financing in today's world are considered here. (author).

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

Directory of Open Access Journals (Sweden)

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.

The Security Implications of Water: Prospects for Instability or Cooperation in South and Central Asia

Science.gov (United States)

2010-03-01

and import enough fuels for its winter needs.” And,The World Bank, “ Water Energy Nexus in Central Asia: Improving Regional Cooperation in the Syr...94 “ Water Energy Nexus in Central Asia: Improving Regional Cooperation in the Syr Darya Basin,” World Bank Report...10. 95 All statistics are attributed from Water Energy Nexus in Central Asia: Improving Regional Cooperation in the Syr Darya Basin,” World Bank

(Case Study: Management of Loans by Private Banks

Directory of Open Access Journals (Sweden)

Farsijani Farsijani

2013-07-01

Full Text Available The importance of the right choice of investment projects is very clear in our own country so that if the correct method based on pattern and scientific criteria for assessing specific plans and measures suitable for budgeting and resource allocation and planning had already seen half the work, or stay and become many non-economic plans. Private sector profitability condition as the criterion of governmental authorities saw the necessity of other factors including political considerations and design. Investment banks and commercial evaluation of projects in one hand and plan to be profitable categories on the other hand should develop programs and projects coordinated macro country. In this study, using the experiences of Iranian experts in providing loans to customers, a model was provided to be an expert system. The expert system presented in this study based on quantitative and qualitative factors considered in the evaluation process, experts from the banking loan requests is a private bank. To provide the expert system, the Bank study documents and research in the world and using interviews and questionnaires framework decision proposed expert system evaluation criteria for acceptance or rejection of requests bank customers are offered loans.

IT Security Management Implementation Model in Iranian Bank Industry

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Mona Vanaki

2017-06-01

Full Text Available According to the complexity and differences between Iranian banks and other developed countries the appropriate actions to implement effective security management of information technology have not been taken. The aim of this study was to create a powerful model by selecting the appropriate security controls to protect information assets in the bank. In this model, at first the principle set fort in ISO standard 27001, was extracted and then by further studies derived from best practices carried out in the world on the related subject from 2008 to 2016 using a qualitative descriptive method, points comply with information security management in the banking industry were added to it. With the study of Iranian banks in dealing with IT security management system and with help of action research tools, provisions which prevent the actual implementation of this standard was removed and finally a conceptual model with operating instructions and considering all the principles of information security management standard, as well as banking institutions focusing on the characteristics of Iran was proposed.

Measurement and Internalization of Systemic Risk in a Global Banking Network

Science.gov (United States)

Feng, Xiaobing; Hu, Haibo

2013-12-01

The negative externalities from an individual bank failure to the whole system can be huge. One of the key purposes of bank regulation is to internalize the social costs of potential bank failures via capital charges. This study proposes a method to evaluate and allocate the systemic risk to different countries/regions using a Susceptible-Infected-Removable (SIR) type of epidemic spreading model and the Shapley value (SV) in game theory. The paper also explores features of a constructed bank network using real globe-wide banking data.

Risk Management, Corporate Governance and Investment Banking: The Role of Chief Risk Officer

OpenAIRE

Afanasyeva, Olga; Lapina, Yulia; Scherbina, Tetiana

2013-01-01

This paper focuses on the defining the role of CRO in corporate governance and to show the interrelation between the way of CRO subordination and performance of investment bank. The sample consists of observations over a period of 2011 for 29 biggest investment banks (by amount of assets) implementing world-wide investment activity. The banks are originated in the USA (8), Eastern Europe (14), China (2), Japan (2), Canada (2), and Australia (1). With the aim to evaluate and compare financial ...

Fostering public cord blood banking and research in Canada.

Science.gov (United States)

Isasi, Rosario; Dalpe, Gratien; Knoppers, Bartha M

2013-12-01

In June 2013, Canadian Blood Services (CBS) established the National Public Cord Blood Bank (NPCBB) accessible to Canadian and international patients and researchers. The NPCBB promotes efforts that contribute to research and improved clinical care by making units not suitable for banking or transplantation available for research. In the context of the NPCBB of the CBS, this article will focus on the practical tools (e.g., consent protocols) developed to optimize umbilical cord blood (UCB) banking and research while enabling ethical provenance of UCB stem cells. The Canadian approach represents an ideal model for comparison as it is a country in which the national public bank (and other regional/provincial public banks) coexists with private companies.

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...

Monetary policy and banking supervision: still at arm's length? A comparative analysis

Directory of Open Access Journals (Sweden)

Donato Masciandaro

2012-12-01

Full Text Available By the early 2000s an increasing number of countries had adopted a well-defined central bank framework, characterized by two intertwined features: stronger specialization for the banking authority in achieving monetary policy goals, and a lessening of its traditional responsibilities for the safeguard of financial stability within its institutional perimeter. The fundamental effect was that Central Bank Involvement in Supervision (CBIS generally decreased. But then, after the Financial Crisis erupted in 2008, reforms have been undertaken and projects are being discussed to reconsider the role of the central bank in the field of supervisory tasks. The main research question is then: how is CBIS moving? This article offers two contributions. Firstly, the economics of the relationship between central banking, monetary policy and banking supervision is reviewed. Secondly, the current situation of CBIS in 88 countries around the world is analyzed.

Making the Most of World Natural Heritage—Linking Conservation and Sustainable Regional Development?

Directory of Open Access Journals (Sweden)

Katharina Conradin

2016-03-01

Full Text Available Today, more than 1000 World Heritage (WH sites are inscribed on UNESCO’s list, 228 of which are natural and mixed heritage sites. Once focused primarily on conservation, World Natural Heritage (WNH sites are increasingly seen as promoters of sustainable regional development. Sustainability-oriented regions, it is assumed, are safeguards for conservation and positively influence local conservation goals. Within UNESCO, discussions regarding the integration of sustainable development in official policies have recently gained momentum. In this article, we investigate the extent to which WNH sites trigger sustainability-oriented approaches in surrounding regions, and how such approaches in turn influence the WNH site and its protection. The results of the study are on the one hand based on a global survey with more than 60% of the WNH sites listed in 2011, and on the other hand on a complementary literature research. Furthermore, we analyze the policy framework necessary to support WNH sites in this endeavor. We conclude that a regional approach to WNH management is necessary to ensure that WNH sites support sustainable regional development effectively, but that the core focus of WNH status must remain environmental conservation.

The Governance of the Black Holes of the World Economy: Shadow Banking and Offshore Finance

OpenAIRE

Palan, R.; Nesvetailova, A.

2013-01-01

This paper focuses on regulatory challenges posed by the two interconnected structures of the global financial system – the economy of tax havens (or offshore financial centres), and the shadow banking system. The financial crisis of 2007-09 has revealed that tax havens structures and shadow banking entities play a central role in the practise of financial institutions reliant on financial innovation. Thriving on complexity, opaque networks and driven by arbitrage, the two phenomena pose trem...

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...

THE PECULIARITIES OF STATE MANAGEMENT OF BANKS CAPITALIZATION IN UKRAINE

Directory of Open Access Journals (Sweden)

Yuriy Radelytskyy

2016-11-01

Full Text Available Research subject. The subject in this article is theoretical, methodical and applied aspects of state management of banks’ capitalization in Ukraine, a consideration which allows the estimate efficiency of Ukrainian banks refinancing and recapitalization, as well as to enunciate practical recommendations concerning an increase of their capitalization level. The purpose is an analysis of government support measures for the domestic bank system; furthermore the search for additional sources of financing bank funds and the development of capitalization level increase in conditions of social and economic transformations. Methodology. In the research there are used general scientific methods of learning economic facts and the use of processes in their steady development and correlation: logic analysis, methods of scientific abstraction, induction, deduction, optimization, grouping and comparison, as well as graphic and tabular methods. Results. The questions of government control in the bank system in the period of the world financial crisis is researched on international level by the Financial Stability Council, Basel Committee on Banking Supervision, specialists of the World Bank and International Monetary Fund. As a result of relative novelty of these problems only a small number of researches is devoted to the use of government bank support instruments and therefore further development of this topic has practical value for improving the renewal mechanisms of financial stability and reliability of the bank system in Ukraine. After the analysis of the government control measures of the domestic bank capitalization, since 2009, and the effectiveness of budget resources segregation on refinancing and recapitalization of bank institutions in Ukraine (including crisis period, it was found out that these mechanisms, unfortunately, did not change much the situation on the bank market. Taking into account the unstable political situation in Ukraine and

Food banking for improved nutrition of HIV infected orphans and vulnerable children; emerging evidence from quality improvement teams in high food insecure regions of Kiambu, Kenya.

Science.gov (United States)

Akulima, Muhamed; Ikamati, Rudia; Mungai, Margaret; Samuel, Muhula; Ndirangu, Meshack; Muga, Richard

2016-01-01

Estimated 236,548 People Living with HIV (PLHIV) were in Central-Eastern Kenya in 2013. Kiambu County had 46,656 PLHIV with 42,400 (91%) adults and 4,200(9%) children (1-14yrs). Amref Health Africa in Kenya, supported through USAID-APHIAplus KAMILI project, initiated two food banks to respond to poor nutritional status of the HIV infected children. Quality Improvement Teams were used to facilitate food-banking initiatives. The study aimed at assessing and demonstrating roles of community food-banking in improving nutrition status of HIV-infected children in food insecure regions. A pre and post-test study lasting 12 months (Oct 2013 to September 2014) conducted in Kiambu County, Kenya covering 103 HIV infected children. Two assessments were conducted before and after the food banking initiative and results compared. Child Status Index (CSI) and the Middle Upper Arm Circumference (MUAC) tools were used in data collection at households. Paired T-test and Wilcoxon test were applied for analysing MUAC and CSI scores respectively using the SPSS. There was a significant improvement in the children's nutrition status from a rating of 'bad' in CSI Median (IQR) score 2(2-1) before food banking to a rating of 'fair' in CSI Median (IQR) score 3(4-3) after food banking intervention (p=banking (p=banking is a community-based nutritional intervention that can address factors of food access, affordability and availability. Food banking is a sustainable way to contribute to quality nutrition and reduced related deaths among HIV infected children.

Distribution of blood groups in blood donors in the blood bank of Jagdalpur, Bastar district, Chhattisgarh

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Sachin A Badge

2017-01-01

Full Text Available Aims and Objectives: The incidence of ABO and rhesus (Rh groups varies markedly in different races, ethnic groups, and socioeconomic groups in different parts of the world. The frequencies of ABO and Rh blood groups vary from one population to another and time to time in the same region. The present study was carried out to find the distribution of blood group in rural and tribal populations of Bastar district of Chhattisgarh. Materials and Methods: The present retrospective study was carried out at late Shri Baliram Kashyap Memorial Government Medical College and Maharani Hospital blood bank, Jagdalpur, Bastar district, Chhattisgarh, India, during the 2-year period from January 2014 to December 2015. The blood collections were taken from the voluntary donors at outdoor blood donation camp and in-house blood bank as well as from replacement donors at blood bank. Totally 12,852 donors were considered medically fit and accepted for blood donation during the study period. Results: Out of the total 12,852 donors, most of the donors, i.e., 3996 (31.09% were with blood Group O followed by B (30.44%, A (24.95%, and AB (13.52%. Out of the 12,852 blood donors, majority, i.e., 12,779 (99.43% were male and 73 (0.57% were female. Maximum blood donors, i.e., 12,777 (99.42% were Rh positive while only 75 (0.58% were Rh negative. Conclusion: The knowledge of distribution of ABO and Rh blood groups at local and regional levels is helpful in effective management of blood banks and safe blood transfusion services.

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 ...

Estimation of the banking sector competition in the CEE countries: The Panzar-Rosse approach

Directory of Open Access Journals (Sweden)

Arben Mustafa

2017-12-01

Full Text Available Competitive conditions in the banking sectors in the light of transition process in the Central and Eastern Europe countries (CEE has been subject of interest for researchers and policy-makers, especially upon entry of foreign banks and concentrated markets. In this paper the Panzar-Rosse approach is used to assess competition of banking sectors in CEE. By using General Method of Moments on the panel data for 300 banks for the period 1999-2009, empirical evidence indicates that banks operating in the CEE exert monopoly behaviour. From the methodological point of view, the findings suggest that using a price equation or controlling for total assets in a Panzar-Rosse approach produces upwards biased and invalid estimates of the H-statistic. Therefore, further support is provided for maintaining a reducedform revenue equation when estimating a Panzar-Rosse model. The findings also suggest that banks operating in the non-EU countries of the CEE region have exerted stronger market power compared to the banks operating in the EU countries of this region. Policy-makers should improve competitive conditions and general ‘enabling’ environment for the banking sectors, especially the non-EU countries of the CEE region, while balancing competition-stability trade-off.

The effectiveness of the Spanish banking reform application of Altman’s Z-Score

OpenAIRE

Ntoung A. T. Lious; Puime G. Felix; Miguel A. C. Cibran

2016-01-01

The recent financial crisis which causes bankruptcy around the world, Spain was placed at the top list because of the crucial state of its banking. This lead to a call to ensure adequate bank capitalization and reduce uncertainty regarding the strength of their balance sheets. In the light of recent event, the important of knowing the financial position of banks is imperative to shareholders. Thus, the aim of this study is to affirm the validity of Altman Z”-Score model as a predictors of the...

Determinants of profitability according to groups of banks in Albania

Directory of Open Access Journals (Sweden)

Dr.Sc. Arjeta Hallunovi

2017-06-01

Full Text Available The paper analyzed the determinants of profitability of all the commercial banks in Albania, where the banks were analyzed by dividing into groups[1]. These determinants are categorized into two groups, internal and external factors. The objective of the study is to determine the factors that affect the profitability in commercial banks, to show how they differ according to groups of the banks and making some recommendations which can help the management. A panel data with all the commercial banks that operate in Albania is analyzed for the period 2009-2014. To measure the profitability is used the independent variable return on assets. Banking specific factors that are used in this study include variables such as bank size, asset management, credit risk, liquidity of assets, capital adequacy, operational efficiency and cost of financing. On the other hand is taken into consideration only one industry specific factor, which is the concentration and some macroeconomic factors as GDP, exchange rate and inflation. The quantitative data are obtained from the financial statements of commercial banks, INSTAT, Bank of Albania, World Bank and Bankscope, in order to make empirical analysis needed to identify and measure the determinants of bank profitability. In particular, the multiple regression analysis is used to measure the impact of determinants in bank profitability and to realize empirical analysis is used Eviews 7. The results of the study showed a positive relationship between bank size and profitability, statistically important in the group 2, with 1% level of significance. The credit risk had an inverse relation with profitability in the model, statistically significant at 1% level of significance for the group 2 and 5% for the group 1 and 3. While, in terms of macroeconomic factors, GDP had a positive relationship with profitability and it is statistically significant in the group 3. On the other hand, inflation and exchange rate showed a

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.

Cord blood banking and transplantation: advances and controversies.

Science.gov (United States)

Yoder, Mervin C

2014-04-01

A review of articles published since January 2012 on the topic of cord blood banking and cord blood stem cell transplantation was conducted for this the 25th anniversary year of the first cord blood transplant performed in a human. Cord blood banking is performed throughout the world. Umbilical cord blood (UCB) transplantation is recognized as an acceptable alternative stem cell source for paediatric and adults requiring a haematopoietic transplant, particularly for patients of racial and ethnic minorities. To further advance the use of UCB, methods to enhance UCB stem cell expansion, engraftment and maintenance may be required. Controversy on the most effective and economically sustainable model for banking and storing an optimal UCB product continues to persist. Cord blood banking and transplantation of cord blood stem cells has advanced rapidly over the initial 25 years, as more than 30 ,000 patients have benefited from the therapy. New concepts on the use of methods to expand UCB stem cells for transplantation and use for nonhaematopoietic indications may increase demand for UCB over the next few decades.

Banking on industry: the impact of financial services on regional industrial structure and development

NARCIS (Netherlands)

Bos, Jaap W.B.; Degl'Innocenti, Marta

2017-01-01

We investigate the extent to which local banking market characteristics can explain where small enterprises (SEs) are located and how they thrive. We start from a simple theory that explains the channels along which local banking market structure can affect the growth of SEs. Subsequently, we make

Religious perspectives on umbilical cord blood banking.

Science.gov (United States)

Jordens, Christopher F C; O'Connor, Michelle A C; Kerridge, Ian H; Stewart, Cameron; Cameron, Andrew; Keown, Damien; Lawrence, Rabbi Jeremy; McGarrity, Andrew; Sachedina, Abdulaziz; Tobin, Bernadette

2012-03-01

Umbilical cord blood is a valuable source of haematopoietic stem cells. There is little information about whether religious affiliations have any bearing on attitudes to and decisions about its collection, donation and storage. The authors provided information about umbilical cord blood banking to expert commentators from six major world religions (Catholicism, Anglicanism, Islam, Judaism, Hinduism and Buddhism) and asked them to address a specific set of questions in a commentary. The commentaries suggest there is considerable support for umbilical cord blood banking in these religions. Four commentaries provide moral grounds for favouring public donation over private storage. None attach any particular religious significance to the umbilical cord or to the blood within it, nor place restrictions on the ethnicity or religion of donors and recipients. Views on ownership of umbilical cord blood vary. The authors offer a series of general points for those who seek a better understanding of religious perspectives on umbilical cord blood banking.

The Comparison of a Thematic versus Regional Approach to Teaching a World Geography Course

Science.gov (United States)

Korson, Cadey; Kusek, Weronika

2016-01-01

The benefits of a regional or thematic approach to the study and presentation of world geography have long been debated. The goal to not reimagine these debates or to promote one approach over another; the aim is to explore how world geography courses are currently being taught in American universities. By polling and sharing information about…

Will BRICS Development Bank Change the International Financing ...

African Journals Online (AJOL)

This constricted space for accumulated reserve rich emerging countries led them to look for alternatives. In recovering from global financial crisis, the emerging and developing nations also expressed their intention to participate in money allocation decision making process and policy formulation of IMF and World Bank but ...

Tissue bank: Sri Lanka

International Nuclear Information System (INIS)

2003-01-01

Human degenerative diseases and congenital defects are common throughout the world. Many people suffer also from burns, fractures and nerve damage resulting from traumatic accidents and outbreaks of violence which occur all too frequently, especially in poorer countries. Far too many people are impaired for life because they have no access to treatment or simply cannot afford it. The Department of Technical Co-operation is sponsoring a programme, with technical support from the Division of Nuclear Medicine, to improve facilities at the Sri Lanka Tissue Bank. (IAEA)

THE ROLE OF TECHNOLOGY IN COMBATTING BANK FRAUDS: PERSPECTIVES AND PROSPECTS

Directory of Open Access Journals (Sweden)

Madan Lal BHASIN

2016-08-01

Full Text Available Banks are the engines that drive the operations in the financialsector, money markets and growth of an economy. With the rapidly growingbanking industry in India, frauds in banks are also increasing very fast, andfraudsters have started using innovative methods. As part of the study, a questionnaire-basedsurvey was conducted in 2013-14 among 345 bank employees to know theirperception towards bank frauds and evaluate the factors that influence thedegree of their compliance level. This study provides a frank discussion of theattitudes, strategies and technology that specialists will need to combatfrauds in banks. In the modern era, there is “no silver bullet for fraudprotection; the double-edged sword of technology is getting sharper,day-in-day-out.” The use of neural network-based behavior models in real-timehas changed the face of fraud management all over the world. Banks that canleverage advances in technology and analytics to improve fraud prevention willreduce their fraud losses. Recently, forensic accounting has come into limelightdue to rapid increase in financial frauds or white-collar crimes.

Forecasting world and regional aviation jet fuel demands to the mid-term (2025)

International Nuclear Information System (INIS)

Cheze, Benoit; Gastineau, Pascal; Chevallier, Julien

2011-01-01

This article provides jet fuel demand projections at the worldwide level and for eight geographical zones until 2025. Air traffic forecasts are performed using dynamic panel-data econometrics. Then, the conversion of air traffic projections into quantities of jet fuel is accomplished by using a complementary approach to the 'Traffic Efficiency' method developed previously by the UK Department of Trade and Industry to support the Intergovernmental Panel on Climate Change (). According to our main scenario, air traffic should increase by about 100% between 2008 and 2025 at the world level, corresponding to a yearly average growth rate of 4.7%. World jet fuel demand is expected to increase by about 38% during the same period, corresponding to a yearly average growth rate of 1.9% per year. According to these results, energy efficiency improvements allow reducing the effect of air traffic rise on the increase in jet fuel demand, but do not annihilate it. Jet fuel demand is thus unlikely to diminish unless there is a radical technological shift, or air travel demand is restricted. - Highlights: → Jet fuel demand is forecasted at the worldwide and regional level until 2025. → Regional heterogeneity must be considered when forecasting jet fuel demand. → World air traffic should increase by about 100% between 2008 and 2025. → World jet fuel demand is expected to increase by about 38% during the same period. → Technological progress will not be enough to decrease the world jet fuel demand.

World Health Organization Global Estimates and Regional Comparisons of the Burden of Foodborne Disease in 2010

DEFF Research Database (Denmark)

Havelaar, Arie H.; Kirk, Martyn D.; Torgerson, Paul R.

2015-01-01

parasitic helminths, were highly localised. Thus, the burden of FBD is borne particularly by children under five years old-although they represent only 9% of the global population-and people living in low-income regions of the world. These estimates are conservative, i.e., underestimates rather than......Illness and death from diseases caused by contaminated food are a constant threat to public health and a significant impediment to socio-economic development worldwide. To measure the global and regional burden of foodborne disease (FBD), the World Health Organization (WHO) established...... different burdens of FBD, with the greatest falling on the subregions in Africa, followed by the subregions in South-East Asia and the Eastern Mediterranean D subregion. Some hazards, such as non-typhoidal S. enterica, were important causes of FBD in all regions of the world, whereas others, such as certain...

Improving the Security of Internet Banking Applications by Using Multimodal Biometrics

Directory of Open Access Journals (Sweden)

Cătălin Lupu

2015-03-01

Full Text Available Online banking applications are used by more and more people all over the world. Most of the banks are providing these services to their customers. The authentication methods varies from the basic user and password to username and a onetime password (OTP generated by a virtual or a physical digipass. The common thing among authentication methods is that the login wepage is provided through a secure channel. Some banks have introduced (especially for testing purposes the authentication using common biometric characteristics, like fingerprint, voice or keystroke recognition. This paper will present some of the most common online banking authentication methods, together with basic biometric characteristics that could be used in these applications. The security in internet banking applications can be improved by using biometrics for the authentication process. Also, the authors have developed an application for authentication of users using fingerprint as the main characteristic, which will be presented at the end of this paper.

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...

Characteristics of the regional human milk bank in Poland - donors, recipients and nutritional value of human milk

Science.gov (United States)

Barbarska, Olga; Zielińska, Monika; Pawlus, Beata; Wesołowska, Aleksandra

In case of shortage of breast milk despite proper lactation care or the poor state of the mother’s health, breast milk from human milk bank is recommended for feeding preterm infants This study retrospectively evaluated the first year of the operation of the Regional Human Milk Bank Data concerning donors was collected in the human milk bank during the cooperation. The clinical characteristics of the recipients was made on the basis of medical documentation from the Holy Family Hospital in Warsaw, Poland. Analysis of nutritional value was performed with the human milk analyzer (MIRIS AB) In the first year of activity, 45 voluntary donors established cooperation, donating from 650 to 32030 ml of human milk. The content of nutrients in milk provided by donors was variable - protein 0.4-1.5 g / 100 ml, fat 1.1-7.4 g / 100 ml, carbohydrates 6.3-7.9 g / 100 ml. The average length of using donated human milk was 4 days and the average volume of milk for one infant was 282 ml The donor profiles have a significant impact on the milk composition form HMB. The nutritional value can be improved by recruitment donors from mothers that gave birth prematurely and by beginning donation at earlier stages of lactation as soon as lactation is stabilized. In case of shortage of mothers own milk the immediate implementation of donors milk as a short-term support can significantly reduce the food intolerance incidence in the group of prematurely born infants

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-.

Assessing the Growth of Ethical Banking: Some Evidence from Spanish Customers.

Science.gov (United States)

Callejas-Albiñana, Fernando E; Martínez-Rodríguez, Isabel; Callejas-Albiñana, Ana I; de Vidales-Carrasco, Irene M

2017-01-01

Aristotle, who, having predated Adam Smith by 2000 years, deserves to be recognized as the world's first economist (Solomon, 1995), distinguished between two different senses of what we call economics : oikonomikos , or household trading, which he approved of and considered essential to the working of any even slightly complex society, and chrematisike , or trade for profit, which he considered selfish and utterly devoid of virtue, calling those who engaged in such practices "parasites". Of course, consumers do not purchase and invest for solely economic reasons (Polanyi, 1944). Interest in ethics in economics has been the subject of continuous study. In this regard, the recent financial crisis has had not only economic, but also social, psychological, political, and ethical consequences, which have impacted the financial and banking system. Consumers are no longer drawn only by the economic return but also by ethical factors. Ethical banking is on the rise. This paper aims to explain the reasons for the growth in ethical banking and to answer the following questions: can banking consumers-investors change the characterization of the banking system? Can ethical banking gain ground on traditional banking? And is ethical banking really effective? To this end, it will examine the Spanish case, using econometric causal regression models to identify the reasons why consumers decide to invest in ethical banking and determine its role in the Spanish economy.

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...

PENSION REFORMS AND WORLD BANK-REGULATED LAWS OF ...

African Journals Online (AJOL)

prospective public servants who world borrow from the experiences of retired .... and the Federal Capital Territory, Abuja together with workers in the private sector which .... intellectual project but also a practical reality in implementation.

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...

Nonprofit Human Milk Banking in the United States.

Science.gov (United States)

Updegrove, Kimberly

2013-01-01

Human milk, widely understood to be beneficial for infants, can be lifesaving for preterm neonates, especially in reducing the risk of necrotizing enterocolitis. Donor human milk (DHM) is an option when mothers are unable to provide milk or have an inadequate supply for their infants. Nonprofit donor human milk banks are established to provide safe, processed human milk from milk donated by healthy lactating mothers who have undergone a rigorous screening process. These milk banks, operating under the auspices of the Human Milk Banking Association of North America, obtain, process, and dispense human milk under strict guidelines set by the association. Increasing the supply of donor human milk to meet a dramatic increase in demand poses a significant challenge for nonprofit milk banks. Efforts to increase supply nationwide include education of providers, use of social media to engage potential donors, and outreach to news media. In parallel, milk banks are establishing regional depots to collect donations, and additional milk banks are being developed. This article describes the current nonprofit milk bank industry in the United States, its challenges, and its future prospects. © 2013 by the American College of Nurse‐Midwives.

New competitive strategies of foreign banks in large emerging economies: the case of Brazil

Directory of Open Access Journals (Sweden)

Fernando J. Cardim de Carvalho

2000-06-01

Full Text Available Financial relations have been deeply transformed in the 1980s and 1990s by deregulation and liberalization. Among the most affected by these changes has been the banking system. Domestic banks have generally lost the implicit protection given by regulatory barriers to entry. Until very recently, in most of the world, foreign banks had their range of operations limited by both regulatory and market factors in developed and developing countries alike. This has radically changed in the 1990s. Foreign banks previously content to hold marginal positions in domestic emerging markets started to pursue aggressive strategies of expansion. Competition among banks operating domestically is being intensified as a result, particularly in emerging economies large enough to support entry of new banking firms. We examine the case of Brazil, where, following the semi-crisis of 1995, a significant number of banks set up subsidiaries fighting for increasing market shares of the domestic market. The paper shows the ways these banks chose to enter the market and explores the perspectives for the domestic banking sector.

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

THE GREEN BANK TELESCOPE H II REGION DISCOVERY SURVEY. IV. HELIUM AND CARBON RECOMBINATION LINES

Energy Technology Data Exchange (ETDEWEB)

Wenger, Trey V.; Bania, T. M. [Astronomy Department, 725 Commonwealth Avenue, Boston University, Boston, MA 02215 (United States); Balser, Dana S. [National Radio Astronomy Observatory, 520 Edgemont Road, Charlottesville, VA, 22903-2475 (United States); Anderson, L. D. [Department of Physics, West Virginia University, Morgantown, WV 26506 (United States)

2013-02-10

The Green Bank Telescope H II Region Discovery Survey (GBT HRDS) found hundreds of previously unknown Galactic regions of massive star formation by detecting hydrogen radio recombination line (RRL) emission from candidate H II region targets. Since the HRDS nebulae lie at large distances from the Sun, they are located in previously unprobed zones of the Galactic disk. Here, we derive the properties of helium and carbon RRL emission from HRDS nebulae. Our target sample is the subset of the HRDS that has visible helium or carbon RRLs. This criterion gives a total of 84 velocity components (14% of the HRDS) with helium emission and 52 (9%) with carbon emission. For our highest quality sources, the average {sup 4}He{sup +}/H{sup +} abundance ratio by number, (y {sup +}), is 0.068 {+-} 0.023(1{sigma}). This is the same ratio as that measured for the sample of previously known Galactic H II regions. Nebulae without detected helium emission give robust y {sup +} upper limits. There are 5 RRL emission components with y {sup +} less than 0.04 and another 12 with upper limits below this value. These H II regions must have either a very low {sup 4}He abundance or contain a significant amount of neutral helium. The HRDS has 20 nebulae with carbon RRL emission but no helium emission at its sensitivity level. There is no correlation between the carbon RRL parameters and the 8 {mu}m mid-infrared morphology of these nebulae.

Four new species and new records of Atopsyche Banks (Trichoptera: Hydrobiosidae) from Pantepui biogeographical region (Venezuela).

Science.gov (United States)

Zamora-Muñoz, Carmen; Derka, Tomáš; Múrria, Cesc

2017-05-29

Four new species of the genus Atopsyche Banks (Hydrobiosidae) from Pantepui biogeographical region (Venezuela) are described and illustrated: Atopsyche (Atopsaura) inmae n. sp., Atopsyche (Atopsaura) cristinae n. sp., Atopsyche (Atopsaura) svitoki n. sp., and Atopsyche (Atopsaura) carmenae n. sp. Molecular analyses (cox1 sequences) allowed larva-adult associations and the morphological description of larvae of two of the new species (A. inmae and A. cristinae). A phylogenetic tree is performed to assess the molecular validity of the species, establish evolutionary relation among them and interpret historical biogeography of tepuis. Finally, two new distributional records for A. (Atopsaura) atahuallpa are included, which up to now was known only from the type locality.

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....

Anthropogenic heat fluxes over Moscow agglomeration and other Russian and world cities

Science.gov (United States)

Belova, Iya; Ginzburg, Alexander

2010-05-01

Urbanization, particularly with respect to its sustainability, remains to be a great challenge in all regions of the world. Urbanization has an influence on soils, hydrology, and climate, these changes have effect on global climate, pollution, increase of anthropogenic greenhouse gases in the earth's atmosphere and human health. Thus anthropogenic heat flux is an important factor for estimation of development of global climate. The simple formula for anthropogenic heat fluxes (AHF) was proposed in the EGU General Assembly 2008 presentation [1] AHF = k × PD × EC, were PD is urban population density and EC is total energy consumption per capita. It was estimated that two of the world megacities - Seoul and Moscow - have the highest AHF values - 83 and 56 W/m2 correspondently. In presented paper it was studied the reasons of such high anthropogenic heat fluxes within Moscow region as well as AHF over the major Russian cities. It was shown that main reason of this circumstance is the administrative divisions in Moscow region. Moscow is ringed by Moscow circle motor road. Accordingly the city has sharply defined boundaries and densely populated residential suburbs are cut off and don't included in Moscow city administrative area. It was constructed the special graph to illuminate why Moscow city has such a high anthropogenic heat factor and how much Moscow agglomeration AHF could be if consider not only Moscow city itself but also the nearest suburb towns. Using the data from World Bank [2] and Russian governmental statistic agency [3] anthropogenic heat fluxes for Russian cities with population more than 500 000 were estimated. Energy consumption data for different Russian regions were calculated by special routine using in the Web-atlas [4]. This research is supported by RAS Fundamental Research Project 'Influence of anthropogenic heat fluxes and aerosol pollution on heat balance and climate of urbanized areas'. Other results of this project is presented in paper [5

Numerical simulation of cross-flow in a bank of tubes with three rows in the subcritical region of Reynolds

International Nuclear Information System (INIS)

Suzairin; Faizal, Mohd; Ambri, Zainal; Raghavan, V R

2013-01-01

The present work focused on 2-dimensional unsteady numerical simulation in predicting hydrodynamics and thermal characteristics of air flow across circular tube banks with integral wake splitters. The tube banks studied consist of three rows of tubes in staggered arrangement. The lengths of the splitter are 0, 0.5, 1.0, 1.5 and 2.0 times the tube diameter. The range of Reynolds number investigated is in the range of 1000 to 10000, which is in the sub-critical region of Reynolds number. The flow condition within this range is incompressible since the maximum Mach number is less than 0.3. The numerical approach was validated against the experimental works of Zukauskas (1985) and Anderson (1997). Local pressure coefficient for flow around a single tube with integral wake splitter is also presented for comparison. It was found that the present of the wake splitters was able to improve the overall heat transfer of the system