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

Procurement of Human Tissues for Research Banking in the Surgical Pathology Laboratory: Prioritization Practices at Washington University Medical Center

Science.gov (United States)

Chernock, Rebecca D.; Leach, Tracey A.; Kahn, Ajaz A.; Yip, James H.; Rossi, Joan; Pfeifer, John D.

2011-01-01

Academic hospitals and medical schools with research tissue repositories often derive many of their internal human specimen acquisitions from their site's surgical pathology service. Typically, such acquisitions come from appropriately consented tissue discards sampled from surgical resections. Because the practice of surgical pathology has patient care as its primary mission, competing needs for tissue inevitably arise, with the requirement to preserve adequate tissue for clinical diagnosis being paramount. A set of best-practice gross pathology guidelines are summarized here, focused on the decision for tissue banking at the time specimens are macroscopically evaluated. These reflect our collective experience at Washington University School of Medicine, and are written from the point of view of our site biorepository. The involvement of trained pathology personnel in such procurements is very important. These guidelines reflect both good surgical pathology practice (including the pathologic features characteristic of various anatomic sites) and the typical objectives of research biorepositories. The guidelines should be helpful to tissue bank directors, and others charged with the procurement of tissues for general research purposes. We believe that appreciation of these principles will facilitate the partnership between surgical pathologists and biorepository directors, and promote both good patient care and strategic, value-added banking procurements. PMID:23386925

Bacteriology laboratories and musculoskeletal tissue banks in Australia.

Science.gov (United States)

Varettas, Kerry

2012-11-01

In Australia, there are six Therapeutic Goods Administration-licensed clinical bacteriology laboratories providing bacterial and fungal bioburden testing of allograft musculoskeletal samples sent from 10 tissue banks. Musculoskeletal swab and/or tissue biopsy samples are collected at the time of allograft retrieval and sent to bacteriology laboratories for bioburden testing, in some cases requiring interstate transport. Bacteria and fungi may be present within the allograft at the time of retrieval or contaminated from an external source. The type of organism recovered will determine if the allograft is rejected for transplant, which may include all allografts from the same donor. Bacteriology staff also provides unpaid support of tissue banks through meeting involvement, consultations, licence-related activities, validations and research funded by their organisation and not part of any contractual agreement. Bacteriology laboratories and tissue banks must be compliant to the Code of Good Manufacturing Practice - Human Blood and Tissues and regulated by the Therapeutic Goods Administration. Clinical bacteriology laboratories also require mandatory accreditation to Standards Australia International Organisation for Standardisation (ISO) 15189:2009 medical laboratories - particular requirements for quality and competence, and may also attain Standards Australia/New Zealand Standard ISO 9001:2000 quality management systems certification. Bacteriology laboratories and musculoskeletal tissue banks are integral partners in providing safe allograft musculoskeletal tissue for transplant. © 2012 The Author. ANZ Journal of Surgery © 2012 Royal Australasian College of Surgeons.

Tissue banking and clinical research on radiation and ethylene oxide sterilization of tissue grafts

International Nuclear Information System (INIS)

Pe Khin

1987-06-01

The research works carried out in Rangoon, Burma under the Agency supported project RC4420/RB have dealt with an elucidation of the radiation interaction(s) with the species of biomolecules such as proteins, lipids, collagens, connective tissues present in the cleaned and freeze-dried non-viable tissue grafts. Radiation as a cool process furthermore effectively helps to destroy the microbial bioburden as the undesirable contaminants which may associate the tissue grafts. Radiation also concomitantly helps to suppress the tissue-specific immunogenicity. All these attributes of radiation induced effects have proved successful towards the development of a sterilization process. A series of non-viable tissue grafts, such as bone, nerve, fascia, dura, cartilage, chorion-amnion (as dressings in burn wounds) and tympanic membrane have been successfully attempted in Burma and many more possibilities seem to still remain unexplored. Radiation sterilization modality has proved as a blessing for the promotion of clinical surgical applications of tissue allografts in the corrective/reconstructive surgery on the disability cases due to diseases which accompany tissue losses. The investigator in Burma has reported on the case histories where freeze dried radiation sterilized tissue allografts have been successfully used in the osteogenic inductions (bone grafts); midear tympanoplasty; partial recovery of nerve sensation throught nerve allografts; rapid healing of high degree burn wounds through the use of amnion dressings. Besides, there have been a widespread surgical use of radiation sterilized dura and fascia as allografts. A national tissue banking facility has been established in Burma surrounding the processing and clinical utilization of tissue allografts which has involved over ten hospital centres throughout the country. Radiation induced effects on the biomolecules of clinical significance in the tissue grafts have been researched to help gain insight into a better

US of tissue banking and transplantation in North America

International Nuclear Information System (INIS)

Strong, M.; Moogk, M.

1999-01-01

Tissue banking in North America began as surgical bone banking in individual hospitals and progressed to recovery of cadaveric tissues, initially by the United States Navy Tissue Bank and more recently to regional tissue banks throughout North America. The American Association of Tissue Banks was established in 1976 to develop standards for tissue banking and the eventual inspection and accreditation of tissue banks. The gathering of statistics of tissue banking practices was first undertaken in 1992, from accredited tissue banks. The most recent statistics were compiled in 1997 and will be reported at this conference.There are currently 63 accredited tissue banks in North America, 60 in the United States and three in Canada. Overall, tissue donation has increased by 48% during this 5 year reporting time. During the same period, the number of living surgical bone donors has decreased from nearly 3,000 to less than 500. This impact is largely due to the new regulations that have been implemented by the Food and Drug Administration (FDA). There were over 340,000 bone grafts distributed in 1996, an increase of 20% over 1992, 33% were not sterilized, 21% were sterilized using irradiation, and 45% were demineralized. Only 1% were processed using ethylene oxide as a sterilant, a decrease from 15% in 1992. The primary mode of preservation and storage is freeze-drying with 90% of the tissues falling into this category and the rest being frozen. The second largest number of grafts distributed were skin grafts. Total tissue grafts distributed including cornea was 445,417. In January 1998, the FDA Final Rule regarding regulation of tissue banking became effective. The elements of that Final Rule and new tissue banking rules the FDA has proposed will be discussed along with regulations recently published by the Health and Human Services Department relative to organ and tissue donor referrals. Tissue Banking in North America continues to evolve and has become more and more

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).

American Association of Tissue Banks

Science.gov (United States)

... Committees Accreditation American Board of Tissue Banking Bylaws / Ethics Communications Donor Family Services Ad Hoc Committee Education Finance ... Bureau Accredited Bank Search Bookstore Bulletins Global Topics Communications & Media Job Center News Releases Patients and Community Useful ...

Development of a data entry auditing protocol and quality assurance for a tissue bank database.

Science.gov (United States)

Khushi, Matloob; Carpenter, Jane E; Balleine, Rosemary L; Clarke, Christine L

2012-03-01

Human transcription error is an acknowledged risk when extracting information from paper records for entry into a database. For a tissue bank, it is critical that accurate data are provided to researchers with approved access to tissue bank material. The challenges of tissue bank data collection include manual extraction of data from complex medical reports that are accessed from a number of sources and that differ in style and layout. As a quality assurance measure, the Breast Cancer Tissue Bank (http:\\\\www.abctb.org.au) has implemented an auditing protocol and in order to efficiently execute the process, has developed an open source database plug-in tool (eAuditor) to assist in auditing of data held in our tissue bank database. Using eAuditor, we have identified that human entry errors range from 0.01% when entering donor's clinical follow-up details, to 0.53% when entering pathological details, highlighting the importance of an audit protocol tool such as eAuditor in a tissue bank database. eAuditor was developed and tested on the Caisis open source clinical-research database; however, it can be integrated in other databases where similar functionality is required.

Tissue banking for management of nuclear casualties

International Nuclear Information System (INIS)

Singh, Rita

2014-01-01

The proliferation of nuclear material and technology has made the acquisition and adversarial use more probable than ever. Devastating medical consequences would follow a nuclear detonation due to the thermal, blast and radiation effects of the weapon. Atomic explosions at Hiroshima and Nagasaki demonstrated the human agonies on vast scale. A full range of medical modalities are required to decrease the morbidity and mortality as a result of the use of nuclear weapons. Biological tissues from human donor like bone, skin, amniotic membrane and other soft tissues can be used for repair or reconstruction of the injured part of the body. Tissues from human donor can be processed and banked for orthopaedic, spinal, trauma and other surgical procedures. Processed tissues can be provided by the tissue banks and can be of great assistance in the treatment of injuries due to the nuclear weapon. The use of allograft tissue avoids the donor site morbidity and reduces the operating time, expense and trauma associated with the acquisition of autografts. Further, allografts have the added advantage of being available in large quantities. This has led to a global increase in allogeneic transplantation and development of tissue banking. The aim of the tissue bank is to provide a wide range of processed biological tissues free from any transmissible disease, that help to restore the growth and function of the damaged tissues. Skin dressings or skin substitutes like allograft skin, xenograft skin and amniotic membrane can be used for the treatment of thermal burns and radiation induced skin injuries. Bone allografts can be used for reconstructive approaches to the skeletal system. Tissue banking would thus ensure health care to the military personnel and population following a nuclear detonation. (author)

Continuing role of a frozen-tissue bank in molecular pathology.

Science.gov (United States)

Naber, S P

1996-12-01

The growth of molecular diagnostics and its application in various clinical laboratories have made it necessary to standardize the methods used to freeze and store tissues used in molecular testing. It may now be advantageous to preserve fresh tissues and other specimen types in a central frozen-tissue bank so that sample preparation and storage conditions are appropriate for molecular applications and so that the specimen inventory can be efficiently managed. The pathology laboratory is a logical site for the facility because the professional and technical expertise available is focused on the complex scientific and regulatory aspects of laboratory medicine. Organizationally, the tissue-bank program should be overseen by a surgical pathologist to integrate it into routine surgical pathology activities. A member of the laboratory technical staff can serve as the tissue-bank coordinator with responsibility for systematic storage and retrieval of specimens and routine maintenance of equipment and supplies. To facilitate the tissue-freezing procedure and efficient storage of multiple types of specimens, 2.0 ml cryogenic vials are used as the uniform storage container. All specimens are stored at -140 to -150 degrees C in the vapor phase of liquid nitrogen. The specimen inventory data are maintained with a computerized program specifically designed to manage complex specimen storage. A frozen-tissue bank is easily implemented in a pathology laboratory and is a valuable institutional asset for diagnostic and research purposes.

Tissue Banking in Malaysia-amniotic membrane

International Nuclear Information System (INIS)

Hashim bin Mohamad; Norimah binti Yusof

1991-01-01

Burn treatment using amniotic membranes in some of our patients initiate our own tissue bank starting with a pilot project on procurement, processing and clinical application of irradiated amniotic membrane. The irradiation of amniotic membrane was made possible by the availability of cobalt source at the Nuclear Energy Agency (UTN). With the technical help from the Inter-national Atomic Energy Agency (IAEA) we soon should be able to embark on bone bank to supply local surgeons. Thus the establishment of tissue bank at our institution will further enhance our programme which will include keratinocytes culture for burn, osteocytes culture for bone replacement as well as the use of animal skin for temporary coverage of open wounds

Genetic Testing and Tissue Banking for Personalized Oncology: Analytical and Institutional Factors.

Science.gov (United States)

Miles, George; Rae, James; Ramalingam, Suresh S; Pfeifer, John

2015-10-01

Personalized oncology, or more aptly precision oncogenomics, refers to the identification and implementation of clinically actionable targets tailored to an individual patient's cancer genomic information. Banking of human tissue and other biospecimens establishes a framework to extract and collect the data essential to our understanding of disease pathogenesis and treatment. Cancer cooperative groups in the United States have led the way in establishing robust biospecimen collection mechanisms to facilitate translational research, and combined with technological advances in molecular testing, tissue banking has expanded from its traditional base in academic research and is assuming an increasingly pivotal role in directing the clinical care of cancer patients. Comprehensive screening of tumors by DNA sequencing and the ability to mine and interpret these large data sets from well-organized tissue banks have defined molecular subtypes of cancer. Such stratification by genomic criteria has revolutionized our perspectives on cancer diagnosis and treatment, offering insight into prognosis, progression, and susceptibility or resistance to known therapeutic agents. In turn, this has enabled clinicians to offer treatments tailored to patients that can greatly improve their chances of survival. Unique challenges and opportunities accompany the rapidly evolving interplay between tissue banking and genomic sequencing, and are the driving forces underlying the revolution in precision medicine. Molecular testing and precision medicine clinical trials are now becoming the major thrust behind the cooperative groups' clinical research efforts. Copyright © 2015 Elsevier Inc. All rights reserved.

Survey of public knowledge in tissue banking in Malaysia

International Nuclear Information System (INIS)

Norimah Yusof; Asnah Hassan

1998-01-01

A survey was conducted with the objective to determine the level of public knowledge and awareness in tissue banking. From 233 respondents of 62.2% male and 37.8% female, only 44.6% have heard about tissue banking in Malaysia, mainly from newspapers and mass media, and only 11.6% realised the existence of the two tissue banks i.e at MINT, Bangi and USM, Kubang Kerian. However, higher percentage of respondents were aware of donation for both organs (56.2%) and tissues (51.1%). When asked about donating, 54.5% were willing to donate after death and surprisingly only 39.9% as life donors. On the contrary, 71.7% were willing to accept tissue grafts for clinical treatment and transplantation. The findings suggest that more aggressive publicity on tissue banking is necessary and more detailed information have to be made known especially regarding the 'fatwa' in particular for the Muslims and the Human Tissue Act 1974 for the general public. This may lead to even better response to the tissue donation programme which is being planned. Most of the respondents congratulated both tissue banks in our effort to develop indigenous expertise in this interesting new venture with high appreciation to our social and welfare obligations

Tissue banking in Hungary: legal, ethical and technical frame

International Nuclear Information System (INIS)

Pellet, S.; Ternesi, A.

1999-01-01

Hungary is a small country in the middle of Europe with a population of 10 million. Many religions are represented in the country but the majority of the population is Christian. The Hungarian medical education and practice based on the 'German School' and the modem medicine has been started more than 200 years ago. At the same time some of the medical school have been established first in Nagyszombat and the school for surgery in Kolozsyar, later in Debrecen 80 years ago. Recently we have four medical faculties. From the beginning of implementation of modern medicine many efforts were taken to establish the relevant legal frame and ethical rules to help and make understandable and acceptable for the society of various medical interventions. The previous mentioned structure was before and presently conformed with the political and social structure of the country. The initial of tissue for transplantation in medicine was widely accepted by medical fraternity since the middle of the century. Recently tissue grafts are performed daily is in burn, reconstructive surgery, in bone and nerve surgery, unfortunately we use commercial products in heart surgery. At the initial phase of our tissue banking activity, we first followed the American Association Tissue Banking procedures based on our personal contact with leading US Tissue Bank and the American Association of Tissue Banks. Later after joining the Europe Association of Tissue Bank we played an active role in the establishing of the Europe recommendations related to legal, ethical and technical rules of tissue banking. In this presentation the legal frame and the recent ethical concept for tissue donation as well as the technical possibilities and the donor recreation programme of tissue banks will be introduced to the audience. Also the problems of legal harmonization will be mentioned to which we are facing as an associated country to the European Union

Quality assurance in tissue banking

International Nuclear Information System (INIS)

Von Versen, R.; Mnig, H. J.; Bettin, D.

1999-01-01

Today the different kinds of human allografts have the full acceptance for the clinical application for the treatment of a very wide range of indications in many medical disciplines. An essential aspect of this acceptance of these allografts is the complete biological safety, first of all the exclusion of virus contaminations. The German Institute for Cell and Tissue Replacement (DIZG) is functioning as a national tissue bank cooperating with more than 300 hospitals in Germany and Austria. Its profile is determined by the processing of tissue allografts like cortical and cancellous bone, fascia lata, tendon as well as skin, skin substitutes and cultured autologous and allogenic kerytinocytes. DIZG is licensed by the German Federal Institute for Pharmaceuticals and Medical Products and the country health authorities. To ensure that the allografts fulfill the highest quality requirements a controlled and certified quality management system has been established. In accordance with the Good Manufacturing Practice all procedures are perform-ned on the basis of validated methods. All non-vital allografts are sterilized by a chemical sterilisation method with peracetic acid (PAA) that is validated by the Robert Koch Institute, an independent governmental institution, for the inactivation of bacteria, fungi and viruses. The used test viruses are Pseudorabies V, Polio V, Bovine Virusdiarrhoe V, Parvo V, Hepatitis A V, HIV). The DIZG quality management system (QMS) is based on ISO 9001 which is required for institutions that are involved in processing, research and education and is certified by an international auditing body. With this presentation the validation design shall be introduced and the responsibility of regional and national tissue banks for internal and external quality control and quality assurance shall be discussed

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.

European quality system for tissue banking.

Science.gov (United States)

Manyalich, M; Navarro, A; Koller, J; Loty, B; de Guerra, A; Cornu, O; Vabels, G; Fornasari, P M; Costa, A N; Siska, I; Hirn, M; Franz, N; Miranda, B; Kaminski, A; Uhrynowska, I; Van Baare, J; Trias, E; Fernández, C; de By, T; Poniatowski, S; Carbonell, R

2009-01-01

The aims of this project were to analyze the factors that influence quality and safety of tissues for transplantation and to develop the method to ensure standards of quality and safety in relation to tissue banking as demanded by European Directive 2004/23/EC and its technical annexes. It is organized in 4 Working Groups, the objectives of each one being focused in a specific area. The Guide of Recommendations for Tissue Banking is structured into 4 parts: (1) quality systems that apply to tissue banking and general quality system requirements, (2) regulatory framework in Europe, (3) standards available, and (4) recommendations of the fundamental quality and safety keypoints. This Working Group handled design of a multinational musculoskeletal tissue registry prototype. This Working Group handled design and validation of a specialized training model structured into online and face-to-face courses. The model was improved with suggestions from students, and 100% certification was obtained. The Guide for Auditing Tissue Establishments provides guidance for auditors, a self-assessment questionnaire, and an audit report form. The effectiveness and sustainability of the outputs were assessed. Both guides are useful for experienced tissue establishments and auditors and also for professionals that are starting in the field. The registry prototype proves it is possible to exchange tissues between establishments throughout Europe. The training model has been effective in educating staff and means having professionals with excellent expertise. Member states could adapt/adopt it. The guides should be updated periodically and perhaps a European organization should take responsibility for this and even create a body of auditors.

Tissue banking in South Africa: a 19-year history.

Science.gov (United States)

Lindeque, B G P; Lindeque, A M; Hausner, H; Le Roux, T L B

2005-01-01

The establishment of a Tissue Bank and the science of Tissue Banking in South Africa started in the 1960s and is still developing. This article describes the development and growth of Tissue Banking in South Africa. The current emphasis is to supply viable bone products that have been produced under the best possible quality controlled circumstances; with the collaboration between different Organ Donation Organisations. Through collaboration, a dramatic increase in the number of donors was noted over the years. Concurrently, there was a dramatic increase in the usage of different allograft products and now necessitates the development of new graft materials for expanding patient options. As an ongoing concern, the Tissue Bank in South Africa experienced an ever increase in costs to enhance quality/safety controls: increase in historical patient information, documentation and serological testing in a population struggling to control HIV. To date, the South African Tissue Bank has not experienced any untoward patient incidence since the 1960s and currently is getting over 500 donors per year.

Tissue Banking: Current procedures, ethical consideration and ...

African Journals Online (AJOL)

Tissue banking provides safe and effective cells and tissues for transplantation in reconstruction surgery. Bone, amnion, skin, cartilage, heart valves and xenograft tissues are the most commonly used biological tissues. Acquisition of tissue is dependent on elaborate donor screening criteria based on medical and social ...

The development and deployment of Common Data Elements for tissue banks for translational research in cancer – An emerging standard based approach for the Mesothelioma Virtual Tissue Bank

Directory of Open Access Journals (Sweden)

Farhat Ghada

2008-04-01

Full Text Available Abstract Background Recent advances in genomics, proteomics, and the increasing demands for biomarker validation studies have catalyzed changes in the landscape of cancer research, fueling the development of tissue banks for translational research. A result of this transformation is the need for sufficient quantities of clinically annotated and well-characterized biospecimens to support the growing needs of the cancer research community. Clinical annotation allows samples to be better matched to the research question at hand and ensures that experimental results are better understood and can be verified. To facilitate and standardize such annotation in bio-repositories, we have combined three accepted and complementary sets of data standards: the College of American Pathologists (CAP Cancer Checklists, the protocols recommended by the Association of Directors of Anatomic and Surgical Pathology (ADASP for pathology data, and the North American Association of Central Cancer Registry (NAACCR elements for epidemiology, therapy and follow-up data. Combining these approaches creates a set of International Standards Organization (ISO – compliant Common Data Elements (CDEs for the mesothelioma tissue banking initiative supported by the National Institute for Occupational Safety and Health (NIOSH of the Center for Disease Control and Prevention (CDC. Methods The purpose of the project is to develop a core set of data elements for annotating mesothelioma specimens, following standards established by the CAP checklist, ADASP cancer protocols, and the NAACCR elements. We have associated these elements with modeling architecture to enhance both syntactic and semantic interoperability. The system has a Java-based multi-tiered architecture based on Unified Modeling Language (UML. Results Common Data Elements were developed using controlled vocabulary, ontology and semantic modeling methodology. The CDEs for each case are of different types: demographic

Perceptions about tissue donation for medical research among ...

African Journals Online (AJOL)

Background: Tissue banking refers to a structured and organized resource collection of tissue. Recent advances in research technology and knowledge in the fields of human genetics/ genomics highlights the need to maintain a steady supply of tissue for researchers. Objective: To assess the perception and willingness of ...

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.

Overview of Twenty Years of Radiation and Tissue Banking Activity in Argentina

International Nuclear Information System (INIS)

Kairiyama, E.

2015-01-01

Radiation sterilization of human tissues in Argentina was a consequence of health care products sterilization by gamma radiation. Radiation technology was implemented in 1970 when the first multipurpose gamma facility was built at the Ezeiza Atomic Centre of CNEA. Organ and tissue transplantation is a well established effective therapy that saves lives and significantly improves the quality of life. Ionizing radiation is used for sterilization in order to provide clinically safe tissue for therapeutic purposes of implantation in every patient in need. Argentina radiation and tissue banking activity started in 1993 with the establishment of two tissue banks using radiation under the IAEA programme of technical cooperation, a skin bank and a bone one. Additionally to this start, other tissue banks have adopted tissue sterilization by irradiation. The compatible tissues sterilized with this methodology are mainly skin (frozen, glycerolized), bone (lyophilized, frozen), and amniotic membrane (glycerolized, frozen, dehydrated). The donation and transplant of human organ, tissue and cells is regulated and coordinated by the National Institute Unique Central Coordinator of Ablation and Implant (INCUCAI). In regards to radiation and nuclear safety, physical protection and nuclear non-proliferation issues are regulated and contorted by the Nuclear Regulatory Authority (ARN). Eight tissue banks use gamma radiation for sterilization of human tissues (6 musculoskeletal, 1 skin and 1 amniotic membrane). Argentina has participated actively in several IAEA projects regarding radiation and tissue banking program, and it has been selected by the IAEA to host the Regional Training Centre for the Latin American region. The following activities were implemented: regional training courses in Buenos Aires, face to face (five) and virtual (four) modalities; collaboration on several materials related to tissue banking and radiation sterilization of tissue allograft, codes of practice for

Setting up a Tissue Bank in India: The Tata Memorial Hospital Experience.

Science.gov (United States)

Gajiwala, A L

2003-01-01

In India, the procurement of tissues for transplantation is governed by the Transplantation of Human Organs Act, 1994. However, although this law exists, it is primarily applied to organ transplantation and rules and regulations that are specific to tissue banking have yet to be developed.The Tata Memorial Hospital (TMH) Tissue Bank was started in 1988 as part of an International Atomic Energy Agency (IAEA) programme to promote the use of ionising radiation for the sterilisation of biological tissues. It represents the Government of India within this project and was the first such facility in the country. It is registered with the Health Services Maharashtra State and provides lyophilised amnion, dura mater, skin and bone that have been terminally sterilised with exposure to 25 kGy of gamma radiation from a Cobalt 60 source. These are obtained either from cadavers or live donors.To date the TMH Tissue Bank has provided 6328 allografts for use as biological dressings or in various reconstructive procedures.The TMH Tissue Bank has helped initiate a Tissue Bank at the Defence Laboratory (DL), Jodhpur. At present these are the only two Banks in the country using radiation for terminal sterilisation of banked tissues.The availability of safe, clinically useful and cost effective grafts have resulted in changes in surgical treatment with a concomitant increase in demand for grafts and an interest in developing more tissue banks. The availability of donor tissue however, continues to be a major limitation.

Postgraduate programme in tissue banking

International Nuclear Information System (INIS)

Yongyudh Vajaradul

1999-01-01

In 1992 in the Project Formulation Meeting of IAEA, the masters degree programme was proposed by Dr. Youngyudh Vajaradul, Thailand to upgrade the personnel of tissue bank and the person who had been working and involving in tissue banking. After The Bangkok Biomaterial Center proposed the degree programme and presented to Mahidol University, this programme was accepted by Ministry of University Affairs in 1998 and the masters degree programme under the name of 'Masters of Science in Biomaterial for Implantation' will be started in April 1999. IAEA will support the fellowship candidates from the region to study in masters degree programme. The programme includes 6 months of course work in Bangkok that is 12 credits and 24 is for the dissertation work which would be done in any country. The time of validity is 5 years

Quality assurance and auditing for tissue banking

International Nuclear Information System (INIS)

Strong, M.; Tayo, E.

1999-01-01

Implementation of quality systems can provide many benefits and have a direct impact on the cost of tissue banking. These benefits are achieved by reducing redundancies, streamlining work processes, reducing and waste, and implementing of a process of continuous monitoring and quality improvement, There have been various models written for the use of quality systems in tissue banking but most can be indexed and correlated with the universal ISO 9000 Quality Management System used world-wide in all types of businesses and services since 1986. These standards contain 20 system elements that define the broad-based quality system. Within these elements are included audited systems. The auditing system includes internal assessment and external assessment. An audit is a planned, independent and documented assessment to determine whether agreed upon requirements are being met. Audits are performed by qualified individuals with knowledge of procedures, regulations and associated standards with the primary intention of improving processes. Internal and external assessments are the primary types of audits performed at the tissue center. Internal assessment is performed by the employees of the organization to determine whether activities and -the results of the activities comply with requirements and procedures. External assessment is carried out by independent examinations performed by an external agency. This presentation will describe procedures for internal quality auditing and results of external assessment of tissue banking in North America, as performed by the American Association of Tissue Banks (AATB). The AATB system for external auditing will be described. Examples will be given of the most common errors found by such auditing assessments and procedures for establishing internal quality auditing

The current status of tissue banking in Australia

International Nuclear Information System (INIS)

Morgan, D.A.F.

1999-01-01

Bone and Tissue Banking has been undergoing a significant metamorphosis in Australia since the publication by Simonds et al in the New England Journal of Medicine in 1992. That paper dealt with the transmission of HIV-1 from a sero negative organ and tissue donor to seven unsuspecting recipients. Forty eight recipients all received material from that donor, and only 7 of them sero converted. Those 7 received tissue which had not been processed. The remaining 41 patients received processed tissue and did not sero converted. New emerging challenges have similarly been noted in the form of Hepatitis C, HIV-2 and Creutzfeldt-Jakob disease. The Australian Orthopaedic Association has formed a National Bone and Tissue Banking Subcommittee, which in turn has produced a national guideline document. That Association aims to promote safety and efficiency in tissue banking, assist with the establishment of regional and institutional banks, maintain ongoing quality control programmes, and maintain a national register. Current testing protocol for donors and allograft segments will be explained. In addition, emphasis will be placed upon the need for a proper administrative structure within a bone and tissue blank, including the formation of a management board, listing of hierarchy and responsibility with positions, the maintenance of an up-to-date procedure manual, and a quality assurance programme. Internal safety audits are also mandatory. The paper will deal with the need for secondary sterilisation and outline both donor and recipient demographs throughout Australia. The Federal Department of Human Services and Health through its Therapeutic Goods Administration has recently published a Code of Good Manufacturing Practice. The implications of this code will be canvassed

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

Science.gov (United States)

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

2017-08-25

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

Status quo of management of the human tissue banks in Taiwan.

Science.gov (United States)

Chou, Ching-Pang; Chou, Szu-Cheng; Chen, Ying-Hua; Chen, Yu-Hsuan; Lee, Ming-Shin

2017-03-01

As the technologies associated with transplantation and biological tissue engineering continue to advance, human cells and tissues form an integral part to the practice of regenerative medicine. The patient's use of tissues entails the risk of introducing, transmitting and spreading communicable diseases. To prevent such risk and to ensure that the human organs, tissues and cells remain intact and functional after being handled and processed, the transplanted tissues must be subject to good management standards through all stages of collection, screening, processing, storage and distribution as the safety of the users is of the utmost importance. On February 2009, the government of Taiwan promulgated the Regulations for Administration on Human Organ Bank that requires all human tissues banks to adhere to the Good Tissue Practice for Human Organ, Tissue and Cell in terms of establishment and operation in order to cope with the international management trend and the development and management need of the domestic industry. Six years have passed since the law became effective. This article seeks to introduce the current management mechanism and status quo of management of human tissue banks in Taiwan. We also conducted statistical analysis of the data relating to the tissue banks to identify potential risks and the room for improvement. The study concludes that human tissue banks in Taiwan are on the right track with their management practice, leading to a state of steady development and progress.

The tissue bank at the Instituto Nacional de Investigaciones Nucleares: ISO 9001:2000 certification of its quality management system.

Science.gov (United States)

Martínez-Pardo, María Esther; Mariano-Magaña, David

2007-01-01

Tissue banking is a complex operation concerned with the organisation and coordination of all the steps, that is, from donor selection up to storage and distribution of the final products for therapeutic, diagnostic, instruction and research purposes. An appropriate quality framework should be established in order to cover all the specific methodology as well as the general aspects of quality management, such as research and development, design, instruction and training, specific documentation, traceability, corrective action, client satisfaction, and the like. Such a framework can be obtained by developing a quality management system (QMS) in accordance with a suitable international standard: ISO 9001:2000. This paper presents the implementation process of the tissue bank QMS at the Instituto Nacional de Investigaciones Nucleares in Mexico. The objective of the paper is to share the experience gained by the tissue bank personnel [radiosterilised tissue bank (BTR)] at the Instituto Nacional de Investigaciones Nucleares (ININ, National Institute of Nuclear Research), during implementation of the ISO 9001:2000 certification process. At present, the quality management system (QMS) of ININ also complies with the Mexican standard NMX-CC-9001:2000. The scope of this QMS is Research, Development and Processing of Biological Tissues Sterilised by Gamma Radiation, among others.

Ethical, legal and practical issues of establishing an adipose stem cell bank for research.

Science.gov (United States)

West, C C; Murray, I R; González, Z N; Hindle, P; Hay, D C; Stewart, K J; Péault, B

2014-06-01

Access to human tissue is critical to medical research, however the laws and regulations surrounding gaining ethical and legal access to tissue are often poorly understood. Recently, there has been a huge increase in the interest surrounding the therapeutic application of adipose tissue, and adipose-derived stem cells. To facilitate our own research interests and possibly assist our local colleagues and collaborators, we established a Research Tissue Bank (RTB) to collect, store and distribute human adipose tissue derived cells with all the appropriate ethical approval for subsequent downstream research. Here we examine the legal, ethical and practical issues relating to the banking of adipose tissue for research in the UK, and discuss relevant international guidelines and policies. We also share our experiences of establishing an RTB including the necessary infrastructure and the submission of an application to a Research Ethics Committee (REC). Copyright © 2014 British Association of Plastic, Reconstructive and Aesthetic Surgeons. Published by Elsevier Ltd. All rights reserved.

A model of a code of ethics for tissue banks operating in developing countries.

Science.gov (United States)

Morales Pedraza, Jorge

2012-12-01

Ethical practice in the field of tissue banking requires the setting of principles, the identification of possible deviations and the establishment of mechanisms that will detect and hinder abuses that may occur during the procurement, processing and distribution of tissues for transplantation. This model of a Code of Ethics has been prepared with the purpose of being used for the elaboration of a Code of Ethics for tissue banks operating in the Latin American and the Caribbean, Asia and the Pacific and the African regions in order to guide the day-to-day operation of these banks. The purpose of this model of Code of Ethics is to assist interested tissue banks in the preparation of their own Code of Ethics towards ensuring that the tissue bank staff support with their actions the mission and values associated with tissue banking.

The importance of ethic in the field of human tissue banking.

Science.gov (United States)

Morales Pedraza, Jorge; Herson, Marisa Roma

2012-03-01

A tissue bank is accountable before the community in fulfilling the expectations of tissue donors, their families and recipients. The expected output from the altruistic donation is that safe and high quality human tissue grafts will be provided for the medical treatment of patients. Thus, undertakings of tissue banks have to be not only authorised and audited by national competent health care authorities, but also comply with a strong ethical code, a code of practices and ethical principles. Ethical practice in the field of tissue banking requires the setting of principles, the identification of possible deviations and the establishment of mechanisms that will detect and hinder abuses that may occur during the procurement, processing and distribution of human tissues for transplantation. The opinions and suggestions manifested by the authors in this paper may not be necessarily a reflection of those within the institutions or community they are linked to.

The Grand Challenges of Organ Banking: Proceedings from the first global summit on complex tissue cryopreservation.

Science.gov (United States)

Lewis, Jedediah K; Bischof, John C; Braslavsky, Ido; Brockbank, Kelvin G M; Fahy, Gregory M; Fuller, Barry J; Rabin, Yoed; Tocchio, Alessandro; Woods, Erik J; Wowk, Brian G; Acker, Jason P; Giwa, Sebastian

2016-04-01

The first Organ Banking Summit was convened from Feb. 27 - March 1, 2015 in Palo Alto, CA, with events at Stanford University, NASA Research Park, and Lawrence Berkeley National Labs. Experts at the summit outlined the potential public health impact of organ banking, discussed the major remaining scientific challenges that need to be overcome in order to bank organs, and identified key opportunities to accelerate progress toward this goal. Many areas of public health could be revolutionized by the banking of organs and other complex tissues, including transplantation, oncofertility, tissue engineering, trauma medicine and emergency preparedness, basic biomedical research and drug discovery - and even space travel. Key remaining scientific sub-challenges were discussed including ice nucleation and growth, cryoprotectant and osmotic toxicities, chilling injury, thermo-mechanical stress, the need for rapid and uniform rewarming, and ischemia/reperfusion injury. A variety of opportunities to overcome these challenge areas were discussed, i.e. preconditioning for enhanced stress tolerance, nanoparticle rewarming, cyroprotectant screening strategies, and the use of cryoprotectant cocktails including ice binding agents. Copyright © 2015.

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)

Importance of banked tissues in the management of mass nuclear casualties

International Nuclear Information System (INIS)

Singh, Rita; Bhatnagar, P.K.

2009-01-01

Nuclear detonations are the most devastating of the weapons of mass destruction. There will be large number of casualties on detonation of nuclear weapon. Biological tissues like bone, skin, amniotic membrane and other soft tissues can be used for repair or reconstruction of the injured part of the body. Tissues from human donor can be processed and banked for orthopaedic, spinal, trauma and other surgical procedures. Radiation technology is used to sterilize the tissues to make them safe for clinical use. This paper highlights the importance of such banked tissues in the management of the casualties. (author)

The impact of the International Atomic Energy Agency (IAEA) program on radiation and tissue banking in Mexico.

Science.gov (United States)

Martínez-Pardo, María Esther; Morales Pedraza, Jorge; Sánchez Ramírez, Omar

2009-05-01

Tissue banking started in Mexico in 1948-1949, when two bone banks were established, one at the Infantile Hospital of Mexico and other at the Central Military Hospital. Mexico has benefited for the implementation of the IAEA program since through it has been able to settle down and to consolidate the Tissue Bank at the Instituto Nacional de Investigaciones Nucleares ININ (National Institute for Nuclear Research). This is the only bank in Latin America that has a Quality Management System in force, certified under ISO 9001:2000 since August 1, 2003. The first tissue processed was amnion. The main products of the BTR are amnion and pig skin. Both are biological tissues which their main use is as a wound dressing in patients with burns, scars, diabetic ulcers, epidermolysis bullosa, damaged ocular surface, etc. The General Health Law, published in 1984 and reformed in June 19, 2007, describes the procedure for the disposal of organs, tissues and human cadavers in its fourteenth title and in the Regulation for Sanitary Control. During the period 2001-2005, the ININ Tissue Bank produced 292 sterilised tissues (amnion, 86,668 cm(2), and frozen pig skin, 164,220 cm(2), at an estimated cost of 1,012,668 Mexican pesos. Until 2006, one hundred eighty five (185) patients have been treated with the use of sterilised tissues produced by the ININ Tissue Bank. The radiation source used for sterilisation of tissues is an industrial Cobalt-60 irradiator model JS-6500 AECL, which belongs to ININ. This equipment is located in other building, close to the BTR, in the Centro Nuclear de México "Dr. Nabor Carrillo Flores" (Nuclear Center of Mexico). Until 2006, six hospitals use in a routine way the sterilised tissues produced by the ININ Tissue Bank, for the treatment of burns originated by diverse agents like flame, electricity, liquids in boil, chemical reagents, as well as for the reconstruction of the ocular surface. Two of these hospitals treat patients of very low economic

Incorporating placental tissue in cord blood banking for stem cell transplantation.

Science.gov (United States)

Teofili, Luciana; Silini, Antonietta R; Bianchi, Maria; Valentini, Caterina Giovanna; Parolini, Ornella

2018-06-01

Human term placenta is comprised of various tissues from which different cell populations can be obtained, including hematopoietic stem cells and mesenchymal stem/stromal cells (MSCs). Areas covered: This review will discuss the possibility to incorporate placental tissue cells in cord blood banking. It will discuss general features of human placenta, with a brief review of the immune cells at the fetal-maternal interface and the different cell populations isolated from placenta, with a particular focus on MSCs. It will address the question as to why placenta-derived MSCs should be banked with their hematopoietic counterparts. It will discuss clinical trials which are studying safety and efficacy of placenta tissue-derived MSCs in selected diseases, and preclinical studies which have proven their therapeutic properties in other diseases. It will discuss banking of umbilical cord blood and raise several issues for improvement, and the applications of cord blood cells in non-malignant disorders. Expert Commentary: Umbilical cord blood banking saves lives worldwide. The concomitant banking of non-hematopoietic cells from placenta, which could be applied therapeutically in the future, alone or in combination to their hematopoietic counterparts, could exploit current banking processes while laying the foundation for clinical trials exploring placenta-derived cell therapies in regenerative medicine.

Supplying commercial biomedical companies from a human tissue bank in an NHS hospital--a view from personal experience.

Science.gov (United States)

Gray, N; Womack, C; Jack, S J

1999-04-01

NHS histopathology laboratories are well placed to develop banks of surgically removed surplus human tissues to meet the increasing demands of commercial biomedical companies. The ultimate aim could be national network of non-profit making NHS tissue banks conforming to national minimum ethical, legal, and quality standards which could be monitored by local research ethics committees. The Nuffield report on bioethics provides ethical and legal guidance but we believe that the patient should be fully informed and the consent given explicit. Setting up a tissue bank requires enthusiasm, hard work, and determination as well as coordination between professionals in the NHS trust and in the commercial sector. The rewards are exiting new collaborations with commercial biomedical companies which could help secure our future.

TISSUE BANKING – A NEW HOPE FOR RENERATIVE MEDICINE

Directory of Open Access Journals (Sweden)

Mihail George Man

2013-12-01

Full Text Available Cells, tissues and organs banks are specialised facilities in hospitals or medical institutions performing processing, preservation, banking and distribution activities of human morphological components. The authorisation criterias of such facilities are established according to the legislation regarding the human cells, tissues and organs transplantation (the law no. 48/2008 of the Romanian Parliament. Those „cells and tissues banks” are obliged to respect the instructions reguardind the donation, testing, processing, storage, distribution, encoding and trasability of the tissues and cells of human origin, used for therapeutical purposes, as well as the notification of the severe accidents and side effects during the transplantation process. The prelevation, embeding, labeling and transportation of human cells and tissues are performed according to the technical specifications in order to minimise the risk of biological contamination and only after obtaining the informed consent of the living donor and strictely respecting the legal aspects on the decesed donor.

The importance of brain banks for molecular neuropathological research: The New South Wales Tissue Resource Centre experience.

Science.gov (United States)

Dedova, Irina; Harding, Antony; Sheedy, Donna; Garrick, Therese; Sundqvist, Nina; Hunt, Clare; Gillies, Juliette; Harper, Clive G

2009-01-01

New developments in molecular neuropathology have evoked increased demands for postmortem human brain tissue. The New South Wales Tissue Resource Centre (TRC) at The University of Sydney has grown from a small tissue collection into one of the leading international brain banking facilities, which operates with best practice and quality control protocols. The focus of this tissue collection is on schizophrenia and allied disorders, alcohol use disorders and controls. This review highlights changes in TRC operational procedures dictated by modern neuroscience, and provides examples of applications of modern molecular techniques to study the neuropathogenesis of many different brain disorders.

Advances of the Radio sterilized Tissue Bank of the National Institute of Nuclear Research; Avances del Banco de Tejidos Radioesterilizados del Instituto Nacional de Investigaciones Nucleares

Energy Technology Data Exchange (ETDEWEB)

Reyes F, M. L.; Martinez P, M. E.; Luna Z, D.; Lavalley E, M. C., E-mail: lourdes.reyes@inin.gob.m [ININ, Gerencia de Aplicaciones Nucleares en la Salud, Carretera Mexico-Toluca s/n, 52750 Ocoyoacac, Estado de Mexico (Mexico)

2010-07-01

In view of the necessity of finding alternative sources of biological tissues provision for surgical interventions, the Instituto Nacional de Investigaciones Nucleares (ININ) received the IAEA support from 1997 to 1998, for the establishment of a tissue bank, using the gamma radiation like sterilizing agent. The IAEA support consisted on basic equipment, the personnel's training by means of scientific visits and training in other banks, besides experts missions. As a result of this great support, the Radio sterilized Tissue Bank was established in the ININ, attributed to the Office of Nuclear Applications to the Health. The bank obtained its license in July 7, 1999, granted by the Health Secretary in Mexico. The advances that have been obtained from their creation to the date are presented, with respect to the activities that are carried out in this Tissue Bank. (Author)

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.

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

Tissue Banking, Bioinformatics, and Electronic Medical Records: The Front-End Requirements for Personalized Medicine

Science.gov (United States)

Suh, K. Stephen; Sarojini, Sreeja; Youssif, Maher; Nalley, Kip; Milinovikj, Natasha; Elloumi, Fathi; Russell, Steven; Pecora, Andrew; Schecter, Elyssa; Goy, Andre

2013-01-01

Personalized medicine promises patient-tailored treatments that enhance patient care and decrease overall treatment costs by focusing on genetics and “-omics” data obtained from patient biospecimens and records to guide therapy choices that generate good clinical outcomes. The approach relies on diagnostic and prognostic use of novel biomarkers discovered through combinations of tissue banking, bioinformatics, and electronic medical records (EMRs). The analytical power of bioinformatic platforms combined with patient clinical data from EMRs can reveal potential biomarkers and clinical phenotypes that allow researchers to develop experimental strategies using selected patient biospecimens stored in tissue banks. For cancer, high-quality biospecimens collected at diagnosis, first relapse, and various treatment stages provide crucial resources for study designs. To enlarge biospecimen collections, patient education regarding the value of specimen donation is vital. One approach for increasing consent is to offer publically available illustrations and game-like engagements demonstrating how wider sample availability facilitates development of novel therapies. The critical value of tissue bank samples, bioinformatics, and EMR in the early stages of the biomarker discovery process for personalized medicine is often overlooked. The data obtained also require cross-disciplinary collaborations to translate experimental results into clinical practice and diagnostic and prognostic use in personalized medicine. PMID:23818899

Catalysts for better health care. Medical tissue banks bring multiple benefits to countries

International Nuclear Information System (INIS)

Phillips, G.O.; Morales, J.

2002-01-01

For millions of injured and disabled people around the world, the treatment brings a new quality of life. Called tissue grafting or transplantation, it relies on the use of sterilized bone, skin, and other tissues to heal serious injuries, wounds, and sickness. Prime beneficiaries include severe burn victims, and men, women, and children suffering from crippling diseases, birth defects, and blindness. Long applied in plastic and orthopaedic surgery, tissue grafting once relied only on using a patient's own tissues, known as an autograft. But now tissues from human or animal donors (allograft) are used for transplantation. This new form of tissue grafting has made big strides over the past decade. An expanding number of facilities today prepare the valuable tissues to the high-quality standards demanded in medical care. Dozens of such new tissue banks have opened in Asia, Latin America, Europe, and North America. A productive channel of progress has been an IAEA-supported technical cooperation programme. Through it, experts have worked together behind the scenes to help national health authorities establish tissue banks, train associated staff, and develop standards and regulatory guides. The IAEA accordingly has gained more experience and success than any other international organization in supporting the establishment of tissue banks for medical use in developing countries. Increasingly for quality and cost reasons, the technology of irradiation is used to sterilize tissues for medical care. The IAEA, through its technical cooperation channels, assists national atomic energy authorities to safely and productively employ radiation technology. An interregional programme on radiation and tissue banking, initiated over a decade ago, today extends to 30 countries

National Mesothelioma Virtual Bank: A standard based biospecimen and clinical data resource to enhance translational research

Directory of Open Access Journals (Sweden)

Valdivieso Federico A

2008-08-01

Full Text Available Abstract Background Advances in translational research have led to the need for well characterized biospecimens for research. The National Mesothelioma Virtual Bank is an initiative which collects annotated datasets relevant to human mesothelioma to develop an enterprising biospecimen resource to fulfill researchers' need. Methods The National Mesothelioma Virtual Bank architecture is based on three major components: (a common data elements (based on College of American Pathologists protocol and National North American Association of Central Cancer Registries standards, (b clinical and epidemiologic data annotation, and (c data query tools. These tools work interoperably to standardize the entire process of annotation. The National Mesothelioma Virtual Bank tool is based upon the caTISSUE Clinical Annotation Engine, developed by the University of Pittsburgh in cooperation with the Cancer Biomedical Informatics Grid™ (caBIG™, see http://cabig.nci.nih.gov. This application provides a web-based system for annotating, importing and searching mesothelioma cases. The underlying information model is constructed utilizing Unified Modeling Language class diagrams, hierarchical relationships and Enterprise Architect software. Result The database provides researchers real-time access to richly annotated specimens and integral information related to mesothelioma. The data disclosed is tightly regulated depending upon users' authorization and depending on the participating institute that is amenable to the local Institutional Review Board and regulation committee reviews. Conclusion The National Mesothelioma Virtual Bank currently has over 600 annotated cases available for researchers that include paraffin embedded tissues, tissue microarrays, serum and genomic DNA. The National Mesothelioma Virtual Bank is a virtual biospecimen registry with robust translational biomedical informatics support to facilitate basic science, clinical, and translational

Business Process Flow Diagrams in Tissue Bank Informatics System Design, and Identification and Communication of Best Practices: The Pharmaceutical Industry Experience.

Science.gov (United States)

McDonald, Sandra A; Velasco, Elizabeth; Ilasi, Nicholas T

2010-12-01

Pfizer, Inc.'s Tissue Bank, in conjunction with Pfizer's BioBank (biofluid repository), endeavored to create an overarching internal software package to cover all general functions of both research facilities, including sample receipt, reconciliation, processing, storage, and ordering. Business process flow diagrams were developed by the Tissue Bank and Informatics teams as a way of characterizing best practices both within the Bank and in its interactions with key internal and external stakeholders. Besides serving as a first step for the software development, such formalized process maps greatly assisted the identification and communication of best practices and the optimization of current procedures. The diagrams shared here could assist other biospecimen research repositories (both pharmaceutical and other settings) for comparative purposes or as a guide to successful informatics design. Therefore, it is recommended that biorepositories consider establishing formalized business process flow diagrams for their laboratories, to address these objectives of communication and strategy.

Tissue Trace Elements and Lipid Peroxidation in Breeding Female Bank Voles Myodes glareolus.

Science.gov (United States)

Bonda-Ostaszewska, Elżbieta; Włostowski, Tadeusz; Łaszkiewicz-Tiszczenko, Barbara

2018-04-27

Recent studies have demonstrated that reproduction reduces oxidative damage in various tissues of small mammal females. The present work was designed to determine whether the reduction of oxidative stress in reproductive bank vole females was associated with changes in tissue trace elements (iron, copper, zinc) that play an essential role in the production of reactive oxygen species. Lipid peroxidation (a marker of oxidative stress) and iron concentration in liver, kidneys, and skeletal muscles of reproducing bank vole females that weaned one litter were significantly lower than in non-reproducing females; linear regression analysis confirmed a positive relation between the tissue iron and lipid peroxidation. The concentrations of copper were significantly lower only in skeletal muscles of reproductive females and correlated positively with lipid peroxidation. No changes in tissue zinc were found in breeding females when compared with non-breeding animals. These data indicate that decreases in tissue iron and copper concentrations may be responsible for the reduction of oxidative stress in reproductive bank vole females.

Bacterial contamination of amniotic membrane in a tissue bank from Iran.

Science.gov (United States)

Aghayan, Hamid Reza; Goodarzi, Parisa; Baradaran-Rafii, Alireza; Larijani, Bagher; Moradabadi, Leila; Rahim, Fakher; Arjmand, Babak

2013-09-01

Human Amniotic Membrane (AM) transplantation can promote tissue healing and reduce inflammation, tissue scarring and neovascularization. Homa Peyvand Tamin (HPT) tissue bank has focused on manufacturing human cell and tissue based products including AM. The purpose of this study is to evaluate and identify bacterial contamination of AMs that is produced by HPT for several ophthalmic applications. From July 2006 to April 2011, 122 placentas from cesarean sections were retrieved by HPT after obtaining informed consent from the donors. Besides testing donor's blood sample for viral markers, microbiological evaluation was performed pre and post processing. During tissue processing, decontamination was performed by an antibiotic cocktail including; Gentamicin, Ceftriaxone and Cloxacillin. Of 271 cesarean section AM donors who were screened as potential donors, 122 were accepted for processing and assessed for microbiological contamination. Donors' age were between 21 and 41 years (Mean = 27.61 ± 0.24). More than 92% of mothers were in their first or second gravidity with full term pregnancies. The most prevalent organisms were Staphylococci species (72.53%). After processing, contamination rates markedly decreased by 84.62% (p value = 0.013). According to our results, most of bacterial contaminations were related to donation process and the contamination pattern suggests procurement team as a source. Therefore we recommend that regular training programs should be implemented by tissue banks for procurement staff. These programs should focus on improved donor screening and proper aseptic technique for tissue retrieval. We also suggest that tissue banks should periodically check the rate and types of tissue contaminations. These data help them to find system faults and to update processing methods.

An on-line tissue bank for marine mammals of the Mediterranean sea and adjacent waters

Directory of Open Access Journals (Sweden)

Cristina Ballarin

2006-03-01

Full Text Available Abstract This paper reports on the activities of the Mediterranean Tissue Bank for Marine Mammals, established in January 2002. The bank collects fragments of tissues sampled from marine mammals stranded along the Mediterranean coastline and distributes them to scientists working in the field. Tissues are a critical resource for biomedical and innovative research in anatomy, histo-pathology, genetics and toxicology, and the bank exploits the potentials of stranded animals to serve the scientific community of dolphin and whale investigators. Riassunto Una banca on line per i tessuti dei Mammiferi marini del Mediterraneo e dei mari limitrofi. Questo articolo presenta le attività della Banca per i tessuti dei Mammiferi Marini del Mediterraneo, istituita nel gennaio 2002. I tessuti sono una risorsa critica e innovativa per le ricerche biomediche in anatomia, istopatologia, genetica e tossicologia. La banca raccoglie campioni di tessuto dai mammiferi marini spiaggiati lungo le coste del Mediterraneo e li distribuisce ai ricercatori che lavorano nel settore.

Technical and economic feasibility study for the creation of a tissue bank

International Nuclear Information System (INIS)

Loncomilla Sandoval, Andrea Rosi; Mendez Guerra, Karina Angelica

2006-01-01

The risk of getting contagious illnesses through applying biological tissues has been one of the paramount worries to be solved since infectious illnesses might be provoked by virus, fungi or bacteria coming from donors or whether they have been introduced by means of intermediate stages before the use of these tissues. Therefore it has been concluded that the tissue allograft must be sterilized. The work presented is a Technical and economic Feasibility Study for the creation of a Tissue Bank in Chile, considering the fact of lacking of such institutions in our country and the need to satisfy the population that requires tissues. It is shown the processes involved and the characteristics of a tissue bank, and also a market survey in order to meet the demand, supply, technical requirements, competitors, opportunities and legal aspects of the process. Finally, it was examined the economic feasibility at which defines the investment, financing and business projections to determine the profitability of the project

The impact of the International Atomic Energy Agency (IAEA) program on radiation and tissue banking in Peru.

Science.gov (United States)

Gamero, Emma Castro; Morales Pedraza, Jorge

2009-05-01

The tissue bank "Rosa Guerzoni Chambergo" (RGCTB) located at the Child's Health Institute was inaugurated in 1996, with the financial and technical support of the IAEA program on radiation and tissue banking. Since 1998, the biological bandage of fresh and lyophilised pigskin, amnion and bone tissue is processed routinely in this bank. In all cases, the tissue is sterilised with the use of Cobalt-60 radiation, process carried out at the Laboratories of Irradiation of the Peruvian Institute of Nuclear Energy (IPEN). The tissue bank in the Child's Health Institute helped to save lives in an accident occurred in Lima, when a New Year's fireworks celebration ran out of control in January 2002. Nearly 300 people died in the tragic blaze and hundreds more were seriously burned and injured. Eight Lima hospitals and clinics suddenly were faced with saving the lives of severely burned men, women and children. Fortunately, authorities were ready to respond to the emergency. More than 1,600 dressings were sterilised and supplied to Lima surgeons. The efforts helped save the lives of patients who otherwise might not have survived the Lima fire. Between 1998 and September 2007, 35,012 tissue grafts were produced and irradiated. Radiation sterilised tissues are used by 20 national medical institutions as well as 17 private health institutions. The tissue bank established in Peru with the support of the IAEA is now producing the following tissues: pigskin dressings, fresh and freeze-dried; bone allografts, chips, wedges and powdered, and amnion dressings air-dried. It is also now leading the elaboration of national standards, assignment being entrusted by ONDT (Organización Nacional de Donación y Transplantes; National Organisation on Donation and Transplant). This among other will permit the accreditation of the tissue bank. In this task is also participating IPEN.

Human radiobiology tissue repository for workers of the first Russian Nuclear enterprise as a unique resource for research on effects from protracted radiation exposure

Energy Technology Data Exchange (ETDEWEB)

Muksinova, K. N.; Neta, R.; Kirillova, E. N.; Zakharova, M. L.; Revina, V. S.; Drougova, E. D.

2004-07-01

The research objective was establishment of the Human Radiobiology Tissue Repository (HRTR) for collection and storage of biological material for its further utilization in research on health effects of protracted radiation exposure. The HRTR consists of three constantly replenished banks of bio material from nuclear workers. The autopsy tissue bank contains formation fixed tissues, paraffin blocks and histological slides from 900 cases. The surgery/biopsy tissue bank contains tumor tissues from various sites and samples of lymphoid bone and other tissues stored at -78 degree centigree (200 cases). The blood bank stores leukocytes, immortalized B-lymphocytes, erythrocytes, blood plasma and DNA from 1,200 individuals at -78 degree centigree and -160 degree centigree. The occupational, dosimetry and detailed medical information is available for each donor. (Author) 12 refs.

Tissue bank. A new biomedical applications of ionizing radiation

International Nuclear Information System (INIS)

Rubio, Tatiana; Ribbeck, Jessica

1999-01-01

The entire staff of the Irradiation Section has helped to develop the semi-commercial application of two technological areas of irradiation: sterilization of medical supplies and food preservation. Some biomedical applications, such as the irradiation of whole blood and its components, as well as of different pharmaceutical and cosmetics products have also been routinely carried out. A Center for processing biological tissues has been added recently. At the end of 1996, a Tissue Bank for producing bone and skin grafts was evaluated and approved by the Chilean Nuclear Energy Commission (CCHEN). The first activities began the following year, and cooperation agreements with potential users were signed. At the same time the International Atomic Energy Agency (IAEA) sent an expert to give assistance, who also carried out a surgical operation with irradiated bone grafts in the Hospital del Trabajador. The year finished with the presentation to IAEA of a technical cooperation project, which was subsequently approved. A clean room where the Bank in formation will operate was set up in 1998 and the implementation of the laboratory was started with the support of the IAEA. At present the Bank has produced its first results with irradiated bone grafts, that have been used to close bronchopleural fistulas. By year's end more samples of bone grafts will be produced and sterilized by ionizing radiation, in compliance with the international standards. (author)

Organization of eye bank

International Nuclear Information System (INIS)

Reddy, S.C.

1999-01-01

Comeal transplantation is the only method of combating the blindness due to corneal opacity caused by infections, malnutrition, trauma and hereditary diseases. Comeal blindness is more prevalent in the developing countries. The availability of the donor cornea, trained ophthalmic surgeons and microsurgery facilities are the key factors in restoring vision in-patients with comeal blindness. The eye bank organization is somewhat similar to that of blood bank. The eye bank should be located in a hospital or a medical centre in which a laboratory may be established for the evaluation and storage of donor tissue. The medical director (Ophthalmologist), technician, secretary and public relation officer are the persons who play an important role in the successful organization of eye bank. The function of the eye bank are procurement, assessment, processing, distribution of donor eyes/corneas, training of technicians/doctors, and conducting research related to storage of donor tissue and corneal transplantation. The necessary infrastructure required for the organization of an eye bank include separate accommodation area for the personnel and the laboratory, telephone, computer, refrigerator, laminar air flow hood. Slitlamp, specular microscope, storage media and equipment, instrument for enucleation of donor eyes, and a motor vehicle. The details of responsibilities of the staff of eye bank, source of donor eyes, suitability of donor material, procurement of the donor cornea, tissue assessment, storage and preservation, distribution of donor tissue, and limitation of eye bank will be discussed at the time of presentation

GeneLab: Multi-Omics Investigation of Rodent Research-1 Bio-Banked Tissues

Science.gov (United States)

Lai, San-Huei; Boyko, Valery; Chakravarty, Kaushik; Chen, Rick; Dueck, Sandra; Berrios, Daniel C.; Fogle, Homer; Marcu, Oana; Timucin, Linda; Reinsch, Sigrid;

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.

The importance of the selection of the audiences and the organization of media events within public awareness strategies for tissue banks.

Science.gov (United States)

Morales Pedraza, Jorge

2008-12-01

The main purpose of the International Atomic Energy Agency (IAEA) Public Awareness Strategies for Tissue Banks is to provide guidance on organizing and running awareness campaigns, in order to consolidate tissue banking activities. Within the IAEA Public Awareness Strategies for Tissue Banks, there are two important topics, which need to be singled out due to their importance for a successful public and professional awareness campaign. These are the selection of the audiences and the organization of media events within a Communication Strategy. The experience in the field of tissue banking in several countries has shown that interaction between the public, the professional health care staff, the media and the tissue bank personnel is essential if the activities of the banks are to be successful. It must be emphasized however, that any public and professional awareness strategy will not be successful, unless it is considered as part of an integrated system that is adopted by the concerned Government.

Transfusion medicine in the Formosa Fun Coast water park explosion: The role of combined tissue and blood banking.

Science.gov (United States)

Chang, Chih-Chun; Yeh, Chin-Chuan; Chu, Fang-Yeh

2016-10-01

The Formosa Fun Coast explosion, occurring in a recreational water park located in the Northern Taiwan on 27 June 2015, made 499 people burn-injured. For those who had severe burn trauma, surgical intervention and fluid resuscitation were necessary, and potential blood transfusion therapy could be initiated, especially during and after broad escharotomy. Here, we reviewed the literature regarding transfusion medicine and skin grafting as well as described the practicing experience of combined tissue and blood bank in the burn disaster in Taiwan. It was reported that patients who were severely burn-injured could receive multiple blood transfusions during hospitalization. Since the use of skin graft became a mainstay alternative for wound coverage after the early debridement of burn wounds at the beginning of the 20th century, the development of tissue banking program was initiated. In Taiwan, the tissue banking program was started in 2006. And the first combined tissue and blood bank was established in Far Eastern Memorial Hospital in 2010, equipped with the non-sterile, clean and sterile zones distinctly segregated with a unidirectional movement in the sterile area. The sterile zone was a class 10000 clean room equipped with high efficiency particulate air filter (HEPAF) and positive air pressure ventilation. The combined tissue and blood bank has been able to provide the assigned blood products and tissue graft timely and accurately, with the concepts of centralized management. In the future, the training of tissue and blood bank technicians would be continued and fortified, particularly on the regulation and quality control for further bio- and hemovigilance. Copyright © 2016 Elsevier Ltd. All rights reserved.

Biological Activity Alterations of Human Amniotic Membrane Pre and Post Irradiation Tissue Banking.

Science.gov (United States)

Nemr, Waleed; Bashandy, A S; Araby, Eman; Khamiss, O

Innate immunity of Human Amniotic Membrane (HAM) and its highly active secretome that rich with various types of growth factors and anti-inflammatory substances proposed it as a promising material for many medical studies and applications. This study evaluate the biological activity of cultivated HAM pre and post tissue banking process in which freeze-dried HAM was sterilized by 25 KGray (kGy) dose of γ radiation. The HAM's antimicrobial activity, viability, growth of isolated human amniotic epithelial cells (HAECs), hematopoietic stimulation of co-cultivated murine bone marrow cells (mammalian model), scaffold efficiency for fish brain building up (non-mammalian model) and self re-epithelialization after trypsin denuding treatment were examined as supposed biological activity features. Native HAM revealed viability indications and was active to kill all tested microorganisms; 6 bacterial species (3 Gram-positive and 3 Gram-negative) and Candida albicans as a pathogenic fungus. Also, HAM activity promoted colony formation of murine hematopoietic cells, Tilapia nilotica brain fragment building-up and self re-epithelialization after trypsin treatment. In contrary, radiation-based tissue banking of HAM caused HAM cellular death and consequently lacked almost all of examined biological activity features. Viable HAM was featured with biological activity than fixed HAM prepared by irradiation tissue banking.

The Chernobyl Tissue Bank — A Repository for Biomaterial and Data Used in Integrative and Systems Biology Modeling the Human Response to Radiation

Science.gov (United States)

Thomas, Geraldine; Unger, Kristian; Krznaric, Marko; Galpine, Angela; Bethel, Jackie; Tomlinson, Christopher; Woodbridge, Mark; Butcher, Sarah

2012-01-01

The only unequivocal radiological effect of the Chernobyl accident on human health is the increase in thyroid cancer in those exposed in childhood or early adolescence. In response to the scientific interest in studying the molecular biology of thyroid cancer post Chernobyl, the Chernobyl Tissue Bank (CTB: www.chernobyltissuebank.com) was established in 1998. Thus far it is has collected biological samples from 3,861 individuals, and provided 27 research projects with 11,254 samples. The CTB was designed from its outset as a resource to promote the integration of research and clinical data to facilitate a systems biology approach to radiation related thyroid cancer. The project has therefore developed as a multidisciplinary collaboration between clinicians, dosimetrists, molecular biologists and bioinformaticians and serves as a paradigm for tissue banking in the omics era. PMID:24704918

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

Directory of Open Access Journals (Sweden)

Igor Tomičić

2012-12-01

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

Fit for purpose frozen tissue collections by RNA integrity number-based quality control assurance at the Erasmus MC tissue bank.

Science.gov (United States)

Kap, Marcel; Oomen, Monique; Arshad, Shazia; de Jong, Bas; Riegman, Peter

2014-04-01

About 5000 frozen tissue samples are collected each year by the Erasmus Medical Center tissue bank. Two percent of these samples are randomly selected annually for RNA isolation and RNA Integrity Number (RIN) measurement. A similar quality assessment was conducted during centralization of a 20-year-old tissue collection from the cancer institute, a 15-year-old liver sample archive (-80°C), and a 13-year-old clinical pathology frozen biopsy archive (Liquid Nitrogen). Samples were divided into either high-quality (RIN ≥6.5) or low-quality overall categories, or into four "fit-for-purpose" quality groups: RIN procurement protocols used for these samples needed immediate evaluation. When the distribution of RIN values of the different collections were compared, no significant differences were found, despite differences in average storage time and temperature. According to the principle of "fit-for-purpose" distribution, the vast majority of samples are considered good enough for most downstream techniques. In conclusion, an annual tissue bank quality control procedure provides useful information on tissue sample quality and sheds light on where and if improvements need to be made.

Brain banking for immunocytochemistry and autoradiography

International Nuclear Information System (INIS)

Eymin, C.; Jordan, D.; Saint-Pierre, G.; Kopp, N.

1993-01-01

The aim of a human brain bank is to establish groups of matched brains (normal control versus pathological groups) for studying human diseases of the nervous system. This bank is obtained by means of autopsy performed with a very short post-mortem delay and from clinically and neuropathologically well-documented patients. According to research protocols, two types of brain tissue storage are performed: fixed tissue or frozen tissue. Brain dissection procedures are performed according to precise anatomical boundaries of each brain region. This paper will center on the questions raised by brain banking in relation to histological and immunocytochemical studies and to biochemistry and autoradiography of binding sites. The lack of neuroanatomical data of the human brain leads us to compare anatomical results obtained in animals to that of the human. Moreover, it is clear that human brains present numerous interindividual differences (Kopp et al., 1977; Jack et al., 1989). Therefore, investigations of the human brain should be made on a large series of brains indicating the necessity of a well-documented brain bank of tissue from normal controls and patients. (authors)

Biobanking for cancer research: Preservation of tissue integrity - Some technical considerations

Directory of Open Access Journals (Sweden)

S K Shankar

2012-01-01

Full Text Available Biobanking and biomarker discovery have become an integral part of neuro-oncology research. Towards achieving this end, the essential requirement is optimizing methods of tissue preservation of human tissues removed at surgery for diagnostic purposes and banking them for subserving future research. Owing to recent advances in molecular diagnostic tools, this clinical material has become a precious source for proteomic and genomic studies. The advent of biotechnological tools such as microarray, proteomics, and genomics has made it essential to preserve not just morphology but also the quality of nucleic acids and proteins, changing the traditional workflow of a pathology laboratory. It is therefore essential to develop simple technologies for tissue fixation and storage ensure that receptor and molecular integrity is reasonably maintained. Knowledge of the basic chemistry of tissue fixatives, the biochemical changes that take place in biological material by utilizing different techniques of fixation is essential while undertaking molecular, genomic, and proteomic studies on fresh and archival tissues.

National Mesothelioma Virtual Bank: A Platform for Collaborative Research and Mesothelioma Biobanking Resource to Support Translational Research.

Science.gov (United States)

Amin, Waqas; Parwani, Anil V; Melamed, Jonathan; Flores, Raja; Pennathur, Arjun; Valdivieso, Federico; Whelan, Nancy B; Landreneau, Rodeny; Luketich, James; Feldman, Michael; Pass, Harvey I; Becich, Michael J

2013-01-01

The National Mesothelioma Virtual Bank (NMVB), developed six years ago, gathers clinically annotated human mesothelioma specimens for basic and clinical science research. During this period, this resource has greatly increased its collection of specimens by expanding the number of contributing academic health centers including New York University, University of Pennsylvania, University of Pittsburgh Medical Center, and Mount Sinai School of Medicine. Marketing efforts at both national and international annual conferences increase awareness and availability of the mesothelioma specimens at no cost to approved investigators, who query the web-based NMVB database for cumulative and appropriate patient clinicopathological information on the specimens. The data disclosure and specimen distribution protocols are tightly regulated to maintain compliance with participating institutions' IRB and regulatory committee reviews. The NMVB currently has over 1120 annotated cases available for researchers, including paraffin embedded tissues, fresh frozen tissue, tissue microarrays (TMA), blood samples, and genomic DNA. In addition, the resource offers expertise and assistance for collaborative research. Furthermore, in the last six years, the resource has provided hundreds of specimens to the research community. The investigators can request specimens and/or data by submitting a Letter of Intent (LOI) that is evaluated by NMVB research evaluation panel (REP).

[Soil seed bank research of China mining areas: necessity and challenges].

Science.gov (United States)

Chang, Qing; Zhang, Da-Wei; Li, Xue; Peng, Jian; Guan, Ai-Nong; Liu, Xiao-Si

2011-05-01

Soil seed bank consists of all living seeds existed in soil and its surface litter, especially in topsoil, and can reflect the characteristics of regional biodiversity. As the base of vegetation restoration and potential greening material, topsoil and its seed bank are the limited and non-renewable resources in mining areas. The study of soil seed bank has become one of the hotspots in the research field of vegetation restoration and land reclamation in China mining areas. Owing to the special characteristics of mining industry, the soil seed bank study of mining areas should not only concern with the seed species, quantities, and their relations with ground surface vegetation, but also make use of the research results on the soil seed bank of other fragile habitats. Besides, a breakthrough should be sought in the thinking ways and research approach. This paper analyzed the particularity of mining area's soil seek bank research, summarized the research progress in the soil seed bank of mining areas and other fragile habitats, and put forward the challenges we are facing with. It was expected that this paper could help to reinforce the soil seed bank research of China mining areas, and provide scientific guidelines for taking great advantage of the significant roles of soil seed bank in land reclamation and vegetation restoration in the future.

Multidimensional filter banks and wavelets research developments and applications

CERN Document Server

Levy, Bernard

1997-01-01

Multidimensional Filter Banks and Wavelets: Reserach Developments and Applications brings together in one place important contributions and up-to-date research results in this important area. Multidimensional Filter Banks and Wavelets: Research Developments and Applications serves as an excellent reference, providing insight into some of the most important research issues in the field.

Research Study on the Migration of Clients on Banking Market

Directory of Open Access Journals (Sweden)

Cornelia Tureac

2013-02-01

Full Text Available In this paper we present the relevancy and importance of knowing the reasons on clients’migration to competitive banking institutions. The main reason of being the client of several banks isdue to the fierce competition between credit institutions,thusthe banking market has changed. Basedon a case study within the Raiffeisen Bank we researched and presented the reasons fordiscontinuation of banking tiesand the migration of clients to other banks. The used researchmethodology consisted of the application of analysis point of contact by sending a questionnairethrough which there could have been identified 105 migrating clients, out of which 89 were formerclients of Raiffeisen Bank. Since both in the specialized literatureand in practice there is very littleinformation about migration behavior of banking clients-especially in the category of small andmedium enterprises-the present research was not limited to the Raiffeisen Bank clients, but to all 105respondents whodiscontinued totally or partially their connection with the bank. It can be concludedthat the attitude of the bank clients has a considerable influence on the migration behavior. The most“infidel” banking clients are considered in the category of “clients oriented towards the conditions.”

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

Directory of Open Access Journals (Sweden)

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.

Evolution of the Radio-sterilized Tissues Bank of the Instituto Nacional de Investigaciones Nucleares

International Nuclear Information System (INIS)

Martinez P, M. E.; Reyes F, M. L.; Luna Z, D.

2013-10-01

The Radio-sterilized Tissues Bank (RTB) of the Instituto Nacional de Investigaciones Nucleares (ININ) was established in 1997, as national project supported by the IAEA, who provided equipment, training and expert missions. In July of 1999, the Secretaria de Salud (Mexico) granted the sanitary license to the RTB. The first radio-sterilized tissue was the amnion. Later on, the process of frozen and lyophilized pig skin was development. Both tissue types are used as biological dressings in patient with burns, ulcers or on injuries difficult to heal, the amnion is also used for the damage treatment in the ocular surface. In 2003, the ININ improved the facilities of the RTB and in August of that same year the certification of the Quality Administration System was obtained under the standard ISO 9001:2000, at the present time ISO 9001:2008. The support of the IAEA granted to Mexico was of 1997-2004 and 2009-2012, by means of regional and inter regional projects where was obtained equipment and training mainly, for personal of the ININ and other institutions. With the last project supported by the IAEA, two very important documents were generated for the tissues bank of Argentina, Brazil, Colombia, Costa Rica, Cuba, Ecuador, El Salvador, Mexico, Peru, Uruguay and Venezuela, strengthening the interaction among these countries. To offer more radio-sterilized tissues to the medical community, in June of 2007 the RTB signed and agreement with the Secretaria de Salud of the Mexico State by means of the Centro Estatal de Transplantes del Estado de Mexico, for the process of muscle-skeletal tissue, skin and amnion. At present, besides amnion and pig skin, in the RTB there is in existence powdered and chips bone; concluding the validation stage the human skin process is. As a social function of the ININ, the RTB has contributed to the health improvement of patients of more than 50 hospital institutions, mainly those that assist to patient of low resources in different cities of

NRC/DAE reactor safety research Data Bank

International Nuclear Information System (INIS)

Laats, E.T.

1982-01-01

In 1976, the United States Nuclear Regulatory Commission (NRC) established the NRC/Division of Accident Evaluation (DAE) Data Bank to collect, store, and make available data from the many domestic and foreign water reactor safety research programs. This program has since grown from the conceptual stage to a useful, usable service for computer code development, code assessment, and experimentation groups in meeting the needs of the nuclear industry. Data from 20 facilities are now processed and permanently stored in the Data Bank, which utilizes the Control Data Corporation (CDC) CYBER 176 computer system located at the Idaho National Engineering Laboratory (INEL). New data and data sources are continually being added to the Data Bank. In addition to providing data storage and access software, the Data Bank program supplies data entry, documentation, and training and advisory services to users and the NRC. Management of the NRC/DAE Data Bank is provided by EG and G Idaho, Inc

Regulatory aspects of tissue donation, banking and transplantation in India.

Science.gov (United States)

Lobo Gajiwala, Astrid

2018-05-04

Amendments to India's Transplantation of Human Organs Act, 1994, have established the legality of tissue donation and transplantation from deceased donors and the conditions under which they are permitted. The amended Act, now known as The Transplantation of Human Organs and Tissues Act, 1994, seeks to prevent the commercialization of tissue donation and to guarantee the safety of indigenous allografts. Registration of tissue banks, compliance with national standards and the appointment of transplant co-ordinators in hospitals registered under the Act are now mandatory. A national registry and Regional and State networks for donation and transplantation of tissues have been introduced. Despite the amendments a few anomalies of the principal Act persist as some of the differences between tissue and organ donation and transplantation have been overlooked. These include the possibility of skin donation in locations other than hospitals; the donation of medical and surgical tissue residues which does not pose any risk to the living donor; the non-requirement for compatibility between donor and recipient; the delayed time factor between tissue donation and transplantation which makes identification of a recipient at the time of donation impossible; and the easy availability of alternatives to tissues which make waiting lists redundant for many tissues. Rules for the implementation of the amended Act were framed in 2014 but like the Act must be adopted by the State health assemblies to become universally applicable in the country.

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.

In situ ultrahigh-resolution optical coherence tomography characterization of eye bank corneal tissue processed for lamellar keratoplasty.

Science.gov (United States)

Brown, Jamin S; Wang, Danling; Li, Xiaoli; Baluyot, Florence; Iliakis, Bernie; Lindquist, Thomas D; Shirakawa, Rika; Shen, Tueng T; Li, Xingde

2008-08-01

To use optical coherence tomography (OCT) as a noninvasive tool to perform in situ characterization of eye bank corneal tissue processed for lamellar keratoplasty. A custom-built ultrahigh-resolution OCT (UHR-OCT) was used to characterize donor corneal tissue that had been processed for lamellar keratoplasty. Twenty-seven donor corneas were analyzed. Four donor corneas were used as controls, whereas the rest were processed into donor corneal buttons for lamellar transplantation by using hand dissection, a microkeratome, or a femtosecond laser. UHR-OCT was also used to noninvasively characterize and monitor the viable corneal tissue immersed in storage medium over 3 weeks. The UHR-OCT captured high-resolution images of the donor corneal tissue in situ. This noninvasive technique showed the changes in donor corneal tissue morphology with time while in storage medium. The characteristics of the lamellar corneal tissue with each processing modality were clearly visible by UHR-OCT. The in situ characterization of the femtosecond laser-cut corneal tissue was noted to have more interface debris than shown by routine histology. The effects of the femtosecond laser microcavitation bubbles on the corneal tissue were well visualized at the edges of the lamellar flap while in storage medium. The results of our feasibility study show that UHR-OCT can provide superb, in situ microstructural characterization of eye bank corneal tissue noninvasively. The UHR-OCT interface findings and corneal endothelial disc thickness uniformity analysis are valuable information that may be used to optimize the modalities and parameters for lamellar tissue processing. The UHR-OCT is a powerful approach that will allow us to further evaluate the tissue response to different processing techniques for posterior lamellar keratoplasty. It may also provide information that can be used to correlate with postoperative clinical outcomes. UHR-OCT has the potential to become a routine part of tissue

Professor Glyn O. Phillip's legacy within the IAEA programme on radiation and tissue banking.

Science.gov (United States)

Morales Pedraza, Jorge

2017-08-19

Professor Phillips began his involvement in the implementation of this important IAEA programme, insisting that there were advantages to be gained by using the ionizing radiation technique to sterilize human and animal tissues, based on the IAEA experience gained in the sterilization of medical products. The outcome of the implementation of the IAEA programme on radiation and tissue banking demonstrated that Professor Phillips was right in his opinion.

caTIES: a grid based system for coding and retrieval of surgical pathology reports and tissue specimens in support of translational research.

Science.gov (United States)

Crowley, Rebecca S; Castine, Melissa; Mitchell, Kevin; Chavan, Girish; McSherry, Tara; Feldman, Michael

2010-01-01

The authors report on the development of the Cancer Tissue Information Extraction System (caTIES)--an application that supports collaborative tissue banking and text mining by leveraging existing natural language processing methods and algorithms, grid communication and security frameworks, and query visualization methods. The system fills an important need for text-derived clinical data in translational research such as tissue-banking and clinical trials. The design of caTIES addresses three critical issues for informatics support of translational research: (1) federation of research data sources derived from clinical systems; (2) expressive graphical interfaces for concept-based text mining; and (3) regulatory and security model for supporting multi-center collaborative research. Implementation of the system at several Cancer Centers across the country is creating a potential network of caTIES repositories that could provide millions of de-identified clinical reports to users. The system provides an end-to-end application of medical natural language processing to support multi-institutional translational research programs.

Ethical tissue: a not-for-profit model for human tissue supply.

Science.gov (United States)

Adams, Kevin; Martin, Sandie

2011-02-01

Following legislative changes in 2004 and the establishment of the Human Tissue Authority, access to human tissues for biomedical research became a more onerous and tightly regulated process. Ethical Tissue was established to meet the growing demand for human tissues, using a process that provided ease of access by researchers whilst maintaining the highest ethical and regulatory standards. The establishment of a licensed research tissue bank entailed several key criteria covering ethical, legal, financial and logistical issues being met. A wide range of stakeholders, including the HTA, University of Bradford, flagged LREC, hospital trusts and clinical groups were also integral to the process.

Research on listed bank profit model under the interest rate liberalization

Directory of Open Access Journals (Sweden)

Geyao Zhu

2017-03-01

Full Text Available With constantly deepening the interest rate liberalization, shrinking the net interest margin and the ever-rising non-performing loan ratio, the traditional commercial banks with the main profit model of credit suffers from a severe challenge. The research significance of this paper lies in helping China’s commercial bank convert management philosophy, developing a new financial business and improving the profit model. Through the empirical research of 80 samples of China’s listed commercial banks: under the condition of interest rate liberalization, the net interest margin is still the current major profit model of the commercial bank, but the intermediate business is the future development model of the commercial banks.

The Alaska Area Specimen Bank: a tribal-federal partnership to maintain and manage a resource for health research.

Science.gov (United States)

Parkinson, Alan J; Hennessy, Thomas; Bulkow, Lisa; Smith, H Sally

2013-01-01

Banked biospecimens from a defined population are a valuable resource that can be used to assess early markers for illness or to determine the prevalence of a disease to aid the development of intervention strategies to reduce morbidity and mortality. The Alaska Area Specimen Bank (AASB) currently contains 266,353 residual biologic specimens (serum, plasma, whole blood, tissue, bacterial cultures) from 83,841 persons who participated in research studies, public health investigations and clinical testing conducted by the U.S. Public Health Service and Alaska Native tribal health organisations dating back to 1961. The majority (95.7%) are serum specimens, 77% were collected between 1981 and 1994 and 85% were collected from Alaska Native people. Oversight of the specimen bank is provided by a working group with representation from tribal, state and federal health organisations, the Alaska Area IRB and a specimen bank committee which ensures the specimens are used in accordance with policies and procedures developed by the working group.

The value of banked samples for oncology drug discovery and development.

Science.gov (United States)

Shaw, Peter M; Patterson, Scott D

2011-01-01

To gain insights into human biology and pathobiology, ready access to banked human tissue samples that encompass a representative cross section of the population is required. For optimal use, the banked human tissue needs to be appropriately consented, collected, annotated, and stored. If any of these elements are missing, the studies using these samples are compromised. These elements are critical whether the research is for academic or pharmaceutical industry purposes. An additional temporal element that adds enormous value to such banked samples is treatment and outcome information from the people who donated the tissue. To achieve these aims, many different groups have to work effectively together, not least of which are the individuals who donate their tissue with appropriate consent. Such research is unlikely to benefit the donors but others who succumb to the same disease. The development of a large accessible human tissue bank resource (National Cancer Institute's Cancer HUman Biobank [caHUB]) that provides an ongoing supply of human tissue for all working toward the common goal of understanding human health and disease has a number of advantages. These include, but are not limited to, access to a broad cross section of healthy and diseased populations beyond what individual collections may achieve for understanding disease pathobiology, therapeutic target discovery, as well as a source of material for diagnostic assay validation. Models will need to be developed to enable fair access to caHUB under terms that enable appropriate intellectual property protection and ultimate data sharing to ensure that the biobank successfully distributes samples to a broad range of researchers.

An Empirical Research on Bank Client Credit Assessments

Directory of Open Access Journals (Sweden)

Quan Chen

2018-05-01

Full Text Available Individual microcredit loans involve large quantities and small amounts and necessitate rapid approval, therefore making simple and fast application approvals rather critical. Creditors must evaluate clients’ credit status and default risk within the shortest time when determining whether to approve or decline their applications, preventing overdue responses that negatively impact bank profits and management practices, and could trigger domestic financial crises. This study investigates client credit quality criteria, focusing on the expert opinions of bank managers. The decision-making trial and evaluation laboratory method is adopted to enable a comparison and analysis of the similarities and differences in how banks evaluate their clients’ character, ability, financial capability, and collateral. Based on causality and correlations among the criteria, we also identify the core problems and key improvement criteria in the evaluation system. Through survey results of professional managers from Taiwanese banks, this study uses the DEMATEL method to compare the differences in bank evaluation methods based on the four dimensions of clients’ character, ability, pockets, and collateral, as well as the corresponding 14 criteria. In order to improve the reliability and usefulness in bank client credit risk assessment, the assessment dimensions and indicators of bank client credit risk assessment are first discussed; second, the causal relationship and degree of mutual influence between different dimensions and criteria are researched and assessed; in the end, the paper discusses how to improve the function and the benefits of bank client credit risk assessment.

Use of liquid nitrogen during storage in a cell and tissue bank: contamination risk and effect on the detectability of potential viral contaminants.

Science.gov (United States)

Mirabet, Vicente; Alvarez, Manuel; Solves, Pilar; Ocete, Dolores; Gimeno, Concepción

2012-04-01

Cryopreservation is widely used for banking cells and tissues intended for transplantation. Liquid nitrogen provides a very stable ultra-low temperature environment. Thus, it is used for longterm storage. Unlike the exhaustive microbiological monitoring of the environmental conditions during tissue processing, storage is not usually considered as a critical point of potential contamination risk in professional standards for cell and tissue banking. We have analysed the presence of microbial agents inside our nitrogen tanks. We have mainly detected environmental and water-borne bacteria and fungi. In addition, we have studied the effect of liquid nitrogen exposure on virus detectability. Only differences for hepatitis C virus RNA were observed. Measures for contamination risk reduction during storage must be mandatory in cell and tissue banking. Copyright © 2011 Elsevier Inc. All rights reserved.

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.

Sustainability of Routine Notification and Request legislation on eye bank tissue supply and corneal transplantation wait times in Canada.

Science.gov (United States)

Lee, Kenneth; Boimer, Corey; Hershenfeld, Samantha; Sharpen, Linda; Slomovic, Allan R

2011-10-01

To assess whether provinces with Routine Notification and Request (RNR) legislation have sustained increases in corneal tissue supply and decreases in wait times for corneal transplantation surgery. Cross-sectional survey of Canadian corneal transplant (CT) surgeons and eye banks. Canadian CT surgeons and representatives from the 10 Canadian eye banks. Voluntary and anonymous surveys were distributed between July and October 2009. Eligible CT surgeons were defined as ophthalmologists who practice in Canada; currently perform Penetrating keratoplasty (PKP), Deep anterior lamellar keratoplasty (DALK), Deep lamellar endothelial keratoplasty (DLEK), Descemet stripping endothelial keratoplasty (DSEK), or Descemet membrane endothelial keratoplasty (DMEK); and have obtained tissues from a Canadian eye bank. From 2006 to 2009, for provinces with RNR legislation and where data are available, mean wait times from date of diagnosis to date of CT surgery have increased: in Ontario, from 31 ± 34 weeks to 36 ± 27 weeks; in British Columbia, from 39 ± 20 weeks to 42 ± 35 weeks; in Manitoba, from 32 ± 23 weeks to 49 ± 36 weeks. In addition, the amount of corneal tissue in RNR provinces suitable for transplant, with the exception of British Columbia, has declined between 2006 and 2008: in Ontario, 1186 tissues to 999 tissues (16% decline); in Manitoba, 92 tissues to 83 tissues (10% decline); in New Brunswick, 129 tissues to 98 tissues (24% decline). Although initially effective, RNR legislation has not sustained an increase in corneal tissue availability nor has it shortened wait times in most provinces. Incorporation of community hospitals into the RNR catchment, improved enforcement, and continued education of hospital staff regarding the RNR process may be effective in making this legislation more sustainable in the long term. Copyright © 2011 Canadian Ophthalmological Society. Published by Elsevier Inc. All rights reserved.

Biobanking sustainability--experiences of the Australian Breast Cancer Tissue Bank (ABCTB).

Science.gov (United States)

Carpenter, Jane E; Clarke, Christine L

2014-12-01

Sustainability of biorepositories is a key issue globally. This article is a description of the different strategies and mechanisms used by the Australian Breast Cancer Tissue Bank (ABCTB) in developing and operating the resource since its inception in 2005. ABCTB operates according to a hub and spoke model, with a central management hub that is responsible for overall management of the resource including financial, ethical, and legal processes, researcher applications for material, clinical follow-up, information/database activities, and security. A centralized processing laboratory also operates from the hub site where DNA and RNA extractions are performed, digital imaging of stained tumor sections occurs, and specimens are assembled for dispatch for research projects. ABCTB collection sites where donors are identified, consent obtained, and specimens collected and processed for initial storage are located across Australia. Each of the activities of the resource requires financial support and different sources of revenue, some of which are allocated to a specific function of the ABCTB. Different models are in use at different collection centers where local variations may exist and local financial support may sometimes be obtained. There is also significant in-kind support by clinics and diagnostic and research facilities that house the various activities of the resource. However, long-term financial commitment to ensure the survival of the resource is not in place, and forward planning of operations remains challenging under these circumstances.

Disinfection of human musculoskeletal allografts in tissue banking: a systematic review.

Science.gov (United States)

Mohr, J; Germain, M; Winters, M; Fraser, S; Duong, A; Garibaldi, A; Simunovic, N; Alsop, D; Dao, D; Bessemer, R; Ayeni, O R

2016-12-01

Musculoskeletal allografts are typically disinfected using antibiotics, irradiation or chemical methods but protocols vary significantly between tissue banks. It is likely that different disinfection protocols will not have the same level of microorganism kill; they may also have varying effects on the structural integrity of the tissue, which could lead to significant differences in terms of clinical outcome in recipients. Ideally, a disinfection protocol should achieve the greatest bioburden reduction with the lowest possible impact on tissue integrity. A systematic review of three databases found 68 laboratory and clinical studies that analyzed the microbial bioburden or contamination rates of musculoskeletal allografts. The use of peracetic acid-ethanol or ionizing radiation was found to be most effective for disinfection of tissues. The use of irradiation is the most frequently published method for the terminal sterilization of musculoskeletal allografts; it is widely used and its efficacy is well documented in the literature. However, effective disinfection results were still observed using the BioCleanse™ Tissue Sterilization process, pulsatile lavage with antibiotics, ethylene oxide, and chlorhexidine. The variety of effective methods to reduce contamination rate or bioburden, in conjunction with limited high quality evidence provides little support for the recommendation of a single bioburden reduction method.

Empirical research on the external audit of banks in Serbia

Directory of Open Access Journals (Sweden)

Jovković Biljana

2012-01-01

Full Text Available The paper first explains the role, importance, and objectives of the external audit of banks through their most important definitions, thus illustrating the subject and aim of the research. The methodology of the research and data on the sample are presented afterwards. Results of the questionnaire survey which comprised 28 banks in the Republic of Serbia (RS show what bankers prefer, and compared to global experience there is no significant difference. As a final point, the inherent limitations of the research and concluding remarks are presented.

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.

Scientific innovation's two Valleys of Death: how blood and tissue banks can help to bridge the gap.

Science.gov (United States)

Thompson, Sean D A

2014-12-01

Most biomedical basic research in the United States takes place at universities and research institutes and is funded by federal grants. Basic research is awarded billions of federal dollars every year, enabling new discoveries and greater understanding of the fundamental science that makes new innovations and therapies possible. However, when basic research yields an invention of practical use and the research evolves from basic to applied, the playing field changes. Pre-technology licensing federal dollars all but disappear, and innovations rely predominantly on private funding to support the full path from bench to bedside. It is along this path that the scientific advance faces two Valleys of Death. These sometimes insurmountable development stages are the product of the innovation's inherent financial, business and investment risks. Well-planned and executed in vivo studies using quality biological materials demonstrating proof-of-concept is often the key to bridging these gaps, and blood and tissue banks offer unique services and resources to enable this process.

Genome resource banking of biomedically important laboratory animals.

Science.gov (United States)

Agca, Yuksel

2012-11-01

Genome resource banking is the systematic collection, storage, and redistribution of biomaterials in an organized, logistical, and secure manner. Genome cryobanks usually contain biomaterials and associated genomic information essential for progression of biomedicine, human health, and research. In that regard, appropriate genome cryobanks could provide essential biomaterials for both current and future research projects in the form of various cell types and tissues, including sperm, oocytes, embryos, embryonic or adult stem cells, induced pluripotent stem cells, and gonadal tissues. In addition to cryobanked germplasm, cryobanking of DNA, serum, blood products, and tissues from scientifically, economically, and ecologically important species has become a common practice. For revitalization of the whole organism, cryopreserved germplasm in conjunction with assisted reproductive technologies, offer a powerful approach for research model management, as well as assisting in animal production for agriculture, conservation, and human reproductive medicine. Recently, many developed and developing countries have allocated substantial resources to establish genome resources banks which are responsible for safeguarding scientifically, economically, and ecologically important wild type, mutant, and transgenic plants, fish, and local livestock breeds, as well as wildlife species. This review is dedicated to the memory of Dr. John K. Critser, who has made profound contributions to the science of cryobiology and establishment of genome research and resources centers for mice, rats, and swine. Emphasis will be given to application of genome resource banks to species with substantial contributions to the advancement of biomedicine and human health. Copyright © 2012 Elsevier Inc. All rights reserved.

EMPIRICAL RESEARCH ON THE EXTERNAL AUDIT OF BANKS IN SERBIA

OpenAIRE

Biljana Jovković; Snežana Ljubisavljević; Vladimir Obradović

2012-01-01

The paper first explains the role, importance, and objectives of the external audit of banks through their most important definitions, thus illustrating the subject and aim of the research. The methodology of the research and data on the sample are presented afterwards. Results of the questionnaire survey which comprised 28 banks in the Republic of Serbia (RS) show what bankers prefer, and compared to global experience there is no significant difference. As a final point, the inherent l...

Which bank? A guardian model for regulation of embryonic stem cell research in Australia.

Science.gov (United States)

McLennan, A

2007-08-01

In late 2005 the Legislation Review: Prohibition of Human Cloning Act 2002 (Cth) and the Research Involving Human Embryos Act 2002 (Cth) recommended the establishment of an Australian stem cell bank. This article aims to address a lack of discussion of issues surrounding stem cell banking by suggesting possible answers to the questions of whether Australia should establish a stem cell bank and what its underlying philosophy and functions should be. Answers are developed through an analysis of regulatory, scientific and intellectual property issues relating to embryonic stem cell research in the United Kingdom, United States and Australia. This includes a detailed analysis of the United Kingdom Stem Cell Bank. It is argued that a "guardian" model stem cell bank should be established in Australia. This bank would aim to promote the maximum public benefit from human embryonic stem cell research by providing careful regulatory oversight and addressing ethical issues, while also facilitating research by addressing practical scientific concerns and intellectual property issues.

Ontology-based, Tissue MicroArray oriented, image centered tissue bank

Directory of Open Access Journals (Sweden)

Viti Federica

2008-04-01

Full Text Available Abstract Background Tissue MicroArray technique is becoming increasingly important in pathology for the validation of experimental data from transcriptomic analysis. This approach produces many images which need to be properly managed, if possible with an infrastructure able to support tissue sharing between institutes. Moreover, the available frameworks oriented to Tissue MicroArray provide good storage for clinical patient, sample treatment and block construction information, but their utility is limited by the lack of data integration with biomolecular information. Results In this work we propose a Tissue MicroArray web oriented system to support researchers in managing bio-samples and, through the use of ontologies, enables tissue sharing aimed at the design of Tissue MicroArray experiments and results evaluation. Indeed, our system provides ontological description both for pre-analysis tissue images and for post-process analysis image results, which is crucial for information exchange. Moreover, working on well-defined terms it is then possible to query web resources for literature articles to integrate both pathology and bioinformatics data. Conclusions Using this system, users associate an ontology-based description to each image uploaded into the database and also integrate results with the ontological description of biosequences identified in every tissue. Moreover, it is possible to integrate the ontological description provided by the user with a full compliant gene ontology definition, enabling statistical studies about correlation between the analyzed pathology and the most commonly related biological processes.

The Netherlands Brain Bank for Psychiatry.

Science.gov (United States)

Rademaker, Marleen C; de Lange, Geertje M; Palmen, Saskia J M C

2018-01-01

The Netherlands Brain Bank (NBB) performs rapid autopsies of donors who gave written informed consent during life for the use of their brain tissue and medical files for research. The NBB initiated the Netherlands Brain Bank for Psychiatry (NBB-Psy), a prospective donor program for psychiatric diseases. NBB-Psy wants to expand the tissue collections in order to provide a strong incentive to increase research in psychiatry. The ultimate goal of NBB-Psy is to reduce the burden of psychiatric disorders for patients, their families, and for society as a whole. NBB-Psy consists of an antemortem and postmortem donor program. This chapter focuses on the design of NBB-Psy and the antemortem donor program, where patients and relatives are actively informed on the possibility to become a brain donor. Since the initiation of NBB-Psy, the number of registered donors with a psychiatric diagnosis has increased from 149 in 2010 to 1018 in May 2016. Copyright © 2018 Elsevier B.V. All rights reserved.

Microencapsulating and Banking Living Cells for Cell-Based Medicine

Directory of Open Access Journals (Sweden)

Wujie Zhang

2011-01-01

Full Text Available A major challenge to the eventual success of the emerging cell-based medicine such as tissue engineering, regenerative medicine, and cell transplantation is the limited availability of the desired cell sources. This challenge can be addressed by cell microencapsulation to overcome the undesired immune response (i.e., to achieve immunoisolation so that non-autologous cells can be used to treat human diseases, and by cell/tissue preservation to bank living cells for wide distribution to end users so that they are readily available when needed in the future. This review summarizes the status quo of research in both cell microencapsulation and banking the microencapsulated cells. It is concluded with a brief outlook of future research directions in this important field.

A virtual tissue bank for primary central nervous system lymphomas in immunocompetent individuals.

Science.gov (United States)

Ponzoni, Maurilio; Kwee, Ivo; Mazzucchelli, Luca; Ferreri, Andrés J M; Zucca, Emanuele; Doglioni, Claudio; Cavalli, Franco; Bertoni, Francesco

2007-01-01

Primary central nervous system lymphoma (PCNSL) is a rare form of extranodal non-Hodgkin's lymphoma with continuously increasing incidence in both immunosuppressed and immunocompetent individuals. PCNSL is a very aggressive tumor with a poor outcome, and its clinical outcome is much worse than for nodal lymphomas. Differently from lymphomas arising in lymph nodes or in other extranodal sites, the treatment of PCNSL remains very unsatisfactory. Current biologic knowledge of PCNSL is still limited and several fundamental questions remain to be answered. This is mainly due to the paucity of PCNSL material for adequate translational research. With the aim of providing biologic material to investigators interested in PCNSL, we have implemented a virtual tissue bank (VTB) for PCNSL in immunocompetent patients. After registration, the VTB is accessible via any web browser at www.ielsg.org. Only anonymous data are centralized at the website of the International Extranodal Lymphoma Study Group, whilst the pathologic material is maintained at the local pathology institutes. (c) 2007 S. Karger AG, Basel.

Empirical Studies of Contemporaneous Banking Research

OpenAIRE

Reeg, Johannes

2017-01-01

Banks perform important functions for the economy. Besides financial intermediation, banks provide information, liquidity, maturity- and risk-transformation (Fama, 1985). Banks ensure the transfer of liquidity from depositors to the most profitable investment projects. In addition, they perform important screening and monitoring services over investments hence contributing steadily to the efficient allocation of resources across the economy (Pathan and Faff, 2013). Since banks provide financi...

Environmental sample banking-research and methodology

International Nuclear Information System (INIS)

Becker, D.A.

1976-01-01

The National Bureau of Standards (NBS), in cooperation with the Environment Protection Agency and the National Science Foundation, is engaged in a research program establishing methodology for environmental sample banking. This program is aimed toward evaluating the feasibility of a National Environment Specimen Bank (NESB). The capability for retrospective chemical analyses to evaluate changes in our environment would provide useful information. Much of this information could not be obtained using data from previously analyzed samples. However, to assure validity for these stored samples, they must be sampled, processed and stored under rigorously evaluated, controlled and documented conditions. The program currently under way in the NBS Analytical Chemistry Division has 3 main components. The first is an extension survey of available literature concerning problems of contamination, losses and storage. The components of interest include trace elements, pesticides, other trace organics (PCBs, plasticizers, etc.), radionuclides and microbiological species. The second component is an experimental evaluation of contamination and losses during sampling and sample handling. Of particular interest here is research into container cleaning methodology for trace elements, with respect to adsorption, desorption, leaching and partial dissolution by various sample matrices. The third component of this program is an evaluation of existing methodology for long-term sample storage

The Chernobyl Tissue Bank — A Repository for Biomaterial and Data Used in Integrative and Systems Biology Modeling the Human Response to Radiation

OpenAIRE

Thomas, Geraldine; Unger, Kristian; Krznaric, Marko; Galpine, Angela; Bethel, Jackie; Tomlinson, Christopher; Woodbridge, Mark; Butcher, Sarah

2012-01-01

The only unequivocal radiological effect of the Chernobyl accident on human health is the increase in thyroid cancer in those exposed in childhood or early adolescence. In response to the scientific interest in studying the molecular biology of thyroid cancer post Chernobyl, the Chernobyl Tissue Bank (CTB: www.chernobyltissuebank.com) was established in 1998. Thus far it is has collected biological samples from 3,861 individuals, and provided 27 research projects with 11,254 samples. The CTB ...

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.

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...

Sterilization of biological tissues with ionizing radiation

International Nuclear Information System (INIS)

Reyes F, M.L.; Martinez P, M.E.; Luna Z, D.

1997-01-01

On June 1994, the National Institute of Nuclear Research (ININ) and the South Central Hospital for High Specialty of PEMEX (HCSAE) began a joint work with the finality to obtain radio sterilized amniotic membranes for to be used as cover (biological bandage) in burnt patients. Subsequently the Chemistry Faculty of UNAM and the National Institute of Cardiology began to collaborate this last with interest on cardiac valves for graft. Starting from 1997, the International Atomic Energy Agency (IAEA) supports this project (MEX/7/008) whose main objective is to set up the basis to establish in Mexico a Radio sterilized Tissue Bank (amniotic membranes, skin, bones, tendons, cardiac valves, etc.) to be used with therapeutic purposes (grafts). The IAEA support has consisted in the equipment acquisition which is fundamental for the Tissue Bank performance such as an experimental irradiator, laminar flow bell, lyophilizer, vacuum sealer and special knives for tissues. Also visits to Mexico of experts have been authorized with the aim of advising to the personnel which participate in the project and scientific visits of this personnel to another tissue banks (Sri Lanka and Argentine). The establishment in Mexico of a Tissue bank will be a great benefit because it will have availability of distinct tissues for grafts and it will reduce the synthetic materials importation which is very expensive. (Author)

Factors Affecting the Use of Human Tissues in Biomedical Research: Implications in the Design and Operation of a Biorepository.

Science.gov (United States)

Atherton, Daniel S; Sexton, Katherine C; Otali, Dennis; Bell, Walter C; Grizzle, William E

2016-01-01

The availability of high-quality human tissues is necessary to advance medical research. Although there are inherent and induced limitations on the use of human tissues in research, biorepositories play critical roles in minimizing the effects of such limitations. Specifically, the optimal utilization of tissues in research requires tissues to be diagnosed accurately, and the actual specimens provided to investigators must be carefully described (i.e., there must be quality control of each aliquot of the tissue provided for research, including a description of any damage to tissues). Tissues also should be collected, processed, stored, and distributed (i.e., handled) uniformly under a rigorous quality management system (QMS). Frequently, tissues are distributed to investigators by tissue banks which have collected, processed, and stored them by standard operating procedures (SOPs). Alternatively, tissues for research may be handled via SOPs that are modified to the specific requirements of investigators (i.e., using a prospective biorepository model). The primary goal of any type of biorepository should be to ensure its specimens are of high quality and are utilized appropriately in research; however, approaches may vary based on the tissues available and requested. For example, extraction of specific molecules (e.g., microRNA) to study molecular characteristics of a tissue may require less clinical annotation than tissues that are utilized to identify how the molecular expression might be used to clarify a clinical outcome of a disease or the response to a specific therapy. This review focuses on the limitations of the use of tissues in research and how the design and operations of a tissue biorepository can minimize some of these limitations.

West Nile Virus workshop: scientific considerations for tissue donors.

Science.gov (United States)

Brubaker, Scott A; Robert Rigney, P

2012-08-01

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

Ethical Issues in Transnational Eye Banking.

Science.gov (United States)

Martin, Dominique E; Kelly, Richard; Jones, Gary L A; Machin, Heather; Pollock, Graeme A

2017-02-01

To review ethical issues that may arise in the setting of transnational eye banking activities, such as when exporting or importing corneal tissue for transplantation. A principle-based normative analysis of potential common dilemmas in transnational eye banking activities was performed. Transnational activities in eye banking, like those in other fields involving procurement and use of medical products of human origin, may present a number of ethical issues for policy makers and professionals. Key ethical concerns include the potential impact of export or import activities on self-sufficiency of corneal tissue supply within exporting and importing countries; potential disclosure requirements when obtaining consent or authorization for ocular tissue donation when donations may be exported; and difficulties inherent in assuring equity in the allocation of tissues available for export and in establishing and respecting standards of safety and quality across different jurisdictions. Further analysis of specific ethical issues in eye banking is necessary to inform development of guidelines and other governance tools that will assist policy makers and professionals to support ethical practice.

Correlates of professional burnout in a sample of employees of cell and tissue banks in Poland.

Science.gov (United States)

Kamiński, Artur; Rozenek, Hanna; Banasiewicz, Jolanta; Wójtowicz, Stanisław; Błoński, Artur; Owczarek, Krzysztof

2018-02-03

Job Demands-Resources model proposes that the development of burnout follows excessive job demands and lack of job resources. Job demands are predictive of feeling of exhaustion, and lack of job resources-disengagement from work. This pilot study investigated professional burnout and its correlates in employees of Polish cell and tissue banks, many of whom were involved in procurement and processing of tissues from deceased donors, as it was hypothesized that job burnout in this population might influence the effectiveness of cell and tissue transplantation network in our country. This study utilized the Polish version of the Oldenburg Burnout Inventory (OLBI), which measures the two dimensions of burnout (exhaustion and disengagement), and the Psychosocial Working Conditions Questionnaire (PWC), a Polish instrument used for monitoring psychosocial stress at work. The study sample consisted of 31 participants. Their average time of working in a cell and tissue bank was 13.20 years. Majority of the PWC scales and subscales scores fell in the Average range, and the OLBI results for the Disengagement and the Exhaustion scales were in the Average range. A number of correlations between the Exhaustion or Disengagement and the PWC scales and subscales were detected, majority of which fell in the Moderate range. In spite of the limited number of participants, the results of this pilot study are consistent with the burnout literature reports. Among the detected correlates of professional burnout, it is job-related support which seems to be the most important factor which may influence the efficacy of transplantation network in Poland.

[The 2009 performance report of the German cornea banks].

Science.gov (United States)

Schrage, N; Reinhard, T; Seitz, B; Hermel, M; Böhringer, D; Reinshagen, H

2011-03-01

In Germany, human tissue for corneal and amniotic transplantation is supplied by 27 cornea banks. The Section for Tissue Transplantation and Biotechnology of the German Ophthalmological Society records the cornea banks' activities by means of an annual questionnaire. In 2009, a total of 4,818 corneal grafts were processed by 21 responding cornea banks, and 57% were deemed suitable for transplantation. This ratio is slightly higher than the European average. In addition, German cornea banks released 1,257 amniotic grafts in 2009. German cornea banks are currently facing new regulatory issues due to updated legislation regarding tissue transplantation. Recent updates in European law have limited the cutoff time for postmortem blood sampling to 24 h, and this regulation may lead to a significant reduction in potential donors.

A review of research on corporate social responsibility in the banking sector

Directory of Open Access Journals (Sweden)

Yenni Viviana Duque Orozco

2012-07-01

Full Text Available This paper reviews the studies on corporate social responsibility (CSR in the banking sector. It seeks to identify the main issues analyzed in this regard in scientific literature, as well as the methodologies used, through an extensive review of research articles, books and book chapters published in the Scopus and Journal Citation Index (previously ISI databases between 1998 and 2011. Results show a high interest among researchers in studying the dissemination of CSR in the banking sector using quantitative and qualitative methods; however, phenomena such as the perception of stakeholders in regards to the social and environmental performance of banks, the impact of CSR practices in the local or national development in developing countries (especially in Latin America and the sector’s responsibility in bankarization have not been addressed in depth.

BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

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

Skin banking in the United States - past, present and future

International Nuclear Information System (INIS)

Greenleaf, G.

1999-01-01

Utilizing skin from a suicide victim to treat bums of a young boy struck by lightening, Girdner introduced skin transplantation to the United States in 1881. In the 1930's Padgett introduced the first instrument designed specifically to procure split thickness skin grafts. Padgett's dermatome allowed for reproducible recovery of large areas of fairly uniform skin grafts. This opened the way for the coverage of large wound areas. Fundamental advances in cryopreservation methodologies by the US Navy Tissue Bank in the 1950's paved the way for the preservation and storage of tissues for transplant. In the 60's and 70's the development of dedicated bum units to treat the complexity of bum injuries resulted in an increase demand for allograft skin. To supply local needs, numerous hospital based skin banks began operating throughout the US. By the early 1980's, there were approximately 50 skin banks operating in the U.S. Interestingly, as interest in transplantation of other musculoskeletal tissues increased, many tissue banks chose to focus their attention on the recovery of bone and ligaments and curtailed or eliminated skin recovery programs. Additionally, as the cost of operating tissue banks began to increase, many banks elected to consolidate their services, procure multiple tissues from each donor, and to supply these tissues to centers outside their immediate community The 1990's has revealed the emergence of M ega-Tissue Banks, as smaller, independent banks, faced with ever increasing regulations and pressure for cost containment, merged together or contracted with others for processing or distribution services. Currently, an estimated 120 musculoskeletal tissue banks operate in the U.S. Of these, less than 10 could be considered dedicated skin banks. While the number of skin banks has dwindled, the need to treat large integumental injuries remains. In the US, many biotechnology companies have recognized this need and have focused on the development of allograft

Selection, processing and clinical application of muscle-skeletal tissue

International Nuclear Information System (INIS)

Luna Z, D.; Reyes F, M.L.; Lavalley E, C.; Castaneda J, G.

2007-01-01

Due to the increase in the average of the world population's life, people die each time to more age, this makes that the tissues of support of the human body, as those muscle-skeletal tissues, when increasing the individual's age go weakening, this in turn leads to the increment of the illnesses like the osteoporosis and the arthritis, that undoubtedly gives as a result more injure of the muscle-skeletal tissues joined a greater number of traffic accidents where particularly these tissues are affected, for that the demand of tissues muscle-skeletal for transplant every day will be bigger. The production of these tissues in the Bank of Radio sterilized Tissues, besides helping people to improve its quality of life saved foreign currencies because most of the muscle-skeletal tissues transplanted in Mexico are of import. The use of the irradiation to sterilize tissues for transplant has shown to be one of the best techniques with that purpose for what the International Atomic Energy Agency believes a Technical cooperation program to establish banks of tissues using the nuclear energy, helping mainly to countries in development. In this work the stages that follows the bank of radio sterilized tissues of the National Institute of Nuclear Research for the cadaverous donor's of muscle-skeletal tissue selection are described, as well as the processing and the clinical application of these tissues. (Author)

The New Zealand National Eye Bank study: trends in the acquisition and storage of corneal tissue over the decade 2000 to 2009.

Science.gov (United States)

Cunningham, William J; Moffatt, S Louise; Brookes, Nigel H; Twohill, Helen C; Pendergrast, David G C; Stewart, Joanna M; McGhee, Charles N J

2012-05-01

To evaluate trends in the acquisition, storage, and utilization of donated corneal tissue in New Zealand, 2000 to 2009. The New Zealand National Eye Bank records were analyzed for the decade January 2000 to December 2009. Variables analyzed included donor demographics (age, sex, and ethnicity), donor source, donor cause of death, death-to-preservation interval (DPI), corneal storage time, tissue contamination, endothelial assessment, cornea suitability for transplantation, and corneal tissue utilization. A total of 1268 eye donors were identified during the 10-year period. Overall, 36% (n = 457) were female and 64% male (n = 813). Median donor age was 67 years, and 23% of donors were younger than 50 years (range, 5-90 years). There was a decrease in donor age over the decade (P = 0.006). The median DPI was 18.5 hours. No relationship was identified between cornea suitability for transplantation and DPI (P = 0.28) or donor gender (P = 0.54). There was a low microbial contamination rate (1%). Human immunodeficiency virus, hepatitis B, or hepatitis C serology was positive in 48 donors (4%). Overall, 90% of corneas were suitable for transplantation with a high utilization rate (88%). A novel association was identified between male sex and lower corneal endothelial cell density (P = 0.03). This New Zealand National Eye Bank analysis identified trends in the acquisition, storage, and utilization of donated corneal tissue throughout New Zealand over the past decade and provides valuable additional information to the international eye bank data.

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...

The influence of bank employees on bank customer relationship management

Directory of Open Access Journals (Sweden)

C. Rootman

2007-12-01

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

Brain donation procedures in the Sudden Death Brain Bank in Edinburgh.

Science.gov (United States)

Smith, Colin; Millar, Tracey

2018-01-01

Brain banks typically receive donations through premortem consent procedures, often through disease-specific patient cohorts, such as dementia. While some control cases can be obtained through this route, access to age-matched control tissues, and some chronic neurologic conditions, particularly psychiatric disorders, can be challenging. The Edinburgh Sudden Death Brain Bank was established to try and increase access to control cases across all ages, and also access to psychiatric disorders through suicides. This chapter outlines the processes for establishing donations through medicolegal postmortems, which, although often with a prolonged postmortem interval, can provide high-quality well-characterized postmortem brain tissue to the neuroscience research community. Copyright © 2018 Elsevier B.V. All rights reserved.

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

Science.gov (United States)

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

2013-01-01

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

Synovial tissue research

DEFF Research Database (Denmark)

Orr, Carl; Sousa, Elsa; Boyle, David L

2017-01-01

The synovium is the major target tissue of inflammatory arthritides such as rheumatoid arthritis. The study of synovial tissue has advanced considerably throughout the past few decades from arthroplasty and blind needle biopsy to the use of arthroscopic and ultrasonographic technologies that enable...... easier visualization and improve the reliability of synovial biopsies. Rapid progress has been made in using synovial tissue to study disease pathogenesis, to stratify patients, to discover biomarkers and novel targets, and to validate therapies, and this progress has been facilitated by increasingly...... diverse and sophisticated analytical and technological approaches. In this Review, we describe these approaches, and summarize how their use in synovial tissue research has improved our understanding of rheumatoid arthritis and identified candidate biomarkers that could be used in disease diagnosis...

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

Directory of Open Access Journals (Sweden)

Markova O.M.

2017-04-01

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

A supporting role of Chinese National Immortalized Cell Bank in life science research.

Science.gov (United States)

Xu, Chong-feng; Duan, Zi-yuan

2017-01-20

A biorepository of human samples is essential to support the research of life science. Lymphoblastoid B cell line (LCL), which is easy to be prepared and can reproduce indefinitely, is a convenient form of sample preservation. LCLs are established from human B cells transformed by Epstein-Barr virus (EBV). Chinese National Immortalized Cell Bank has preserved human LCLs from different ethnic groups in China. As there are many studies on the nature of LCLs and public available resources with genome-wide data for LCLs, they have been widely applied in genetics, immunology, pharmacogenetics/genomics, regenerative medicine, cancer pathogenesis and immunotherapy, screening and generation of fully human neutralizing monoclonal antibodies and study on EBV pathogenesis. Here, we review the characteristics of LCLs and their contributions to scientific research, and introduce preserved samples in Chinese National Immortalized Cell Bank to the scientific community. We hope this bank can support more areas in the scientific research.

Using autopsy brain tissue to study alcohol-related brain damage in the genomic age.

Science.gov (United States)

Sutherland, Greg T; Sheedy, Donna; Kril, Jillian J

2014-01-01

The New South Wales Tissue Resource Centre at the University of Sydney, Australia, is one of the few human brain banks dedicated to the study of the effects of chronic alcoholism. The bank was affiliated in 1994 as a member of the National Network of Brain Banks and also focuses on schizophrenia and healthy control tissue. Alcohol abuse is a major problem worldwide, manifesting in such conditions as fetal alcohol syndrome, adolescent binge drinking, alcohol dependency, and alcoholic neurodegeneration. The latter is also referred to as alcohol-related brain damage (ARBD). The study of postmortem brain tissue is ideally suited to determining the effects of long-term alcohol abuse, but it also makes an important contribution to understanding pathogenesis across the spectrum of alcohol misuse disorders and potentially other neurodegenerative diseases. Tissue from the bank has contributed to 330 peer-reviewed journal articles including 120 related to alcohol research. Using the results of these articles, this review chronicles advances in alcohol-related brain research since 2003, the so-called genomic age. In particular, it concentrates on transcriptomic approaches to the pathogenesis of ARBD and builds on earlier reviews of structural changes (Harper et al. Prog Neuropsychopharmacol Biol Psychiatry 2003;27:951) and proteomics (Matsumoto et al. Expert Rev Proteomics 2007;4:539). Copyright © 2013 by the Research Society on Alcoholism.

Women CEOs and financial performance of banks: An empirical research of Indian private sector banks

OpenAIRE

Chandani, Arti; Mehta, Mita; Neeraja, B.

2014-01-01

A woman in the workplace is not a new phenomenon, a woman who is a member of the board could be called a moderate phenomenon but a woman who is the CEO is undoubtedly a recent phenomenon, at least in India. At present, the top private sector bank, i.e. ICICI bank, is headed by a woman, Ms. Chanda Kochhar. In addition, the Axis bank, the 3rd largest private sector bank in India is also headed by a woman CEO, Mrs. Shikha Sharma. This paper focuses on women CEOs in the private banking sector and...

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.

Aspectos da distribuição de tecidos músculo-esqueléticos de um banco de tecidos Aspects of the distribution of musculoskeletal tissues by a tissue bank

Directory of Open Access Journals (Sweden)

Roney Campos Granjeiro

2009-01-01

Full Text Available OBJETIVO: Avaliar as características da distribuição desses por um Banco de Tecidos no Brasil. MÉTODOS: Base de dados do Banco de Tecidos entre setembro de 2006 e junho de 2008. Características dos receptores foram tabuladas. Os tipos de tecidos processados foram: cabeças femorais, osso metafisio-epifisário, osso cortical, ossos curtos ou chatos e tendões. O destino dos enxertos foi analisado. Frequências das distribuições foram obtidas e analisadas. RESULTADOS: Foram distribuídas 734 unidades tecidos fresco-congelados, transplantadas em 683 receptores. Doadores de múltiplos órgãos originaram 97,9% dos tecidos e doadores vivos os demais. Foram transplantados 489 unidades de osso córtico-esponjoso, 137 de osso metafisio-epifisário, 44 de osso chato ou curto, 3 de tendão, 29 de osso particulado e 32 de cabeças femorais. A média de idade dos receptores foi 50,3 anos, sendo 59,5% do sexo feminino e 40,5% do masculino. Os tecidos foram destinados para uso ortopédico em 21,1% dos casos e buco-maxilo-facial, em 78,9%. CONCLUSÃO: O Banco de Tecidos aumentou o número de distribuições em resposta à demanda crescente de tecidos, principalmente para uso em cirurgia buco-maxilo-facial.OBJECTIVE: Is to evaluate the characteristics of the distribution of these grafts by a Tissue Bank in Brazil. METHODS: Tissue Bank database from September 2006 to June 2008. The characteristics of the recipients were drawn up in the table form. The types of tissue processed were: femoral heads, metaphyseal-epiphyseal bone, cortical bone, flat or short bones and tendons. The intended purpose of the grafts was analyzed, and distribution frequencies were also obtained and analyzed. RESULTS: Altogether, 734 units of fresh-frozen tissue were distributed and transplanted into 683 recipients. In terms of origin of the tissues, 97.9% came from multiple organ donors, and the remainder from living donors. A total of 489 units of cortical bone were transplanted

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

Directory of Open Access Journals (Sweden)

Yaser Taufik Syamlan

2017-06-01

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

Bank loan loss provisions research: A review

Directory of Open Access Journals (Sweden)

Peterson K. Ozili

2017-09-01

Full Text Available We review the recent academic and policy literature on bank loan loss provisioning. Among other things, we observe that there exist some interaction between LLPs and existing prudential, accounting, institutional, cultural, religious, tax and fiscal frameworks which differ across countries; and we find that managerial discretion in provisioning is strongly linked to income smoothing, capital management, signalling, tax management and other objectives. We also address several issues including the ethical dimensions of income smoothing, factors influencing income smoothing, methodological issues in LLP modelling and the dynamic loan loss provisioning experiment; which opens up several avenues for further research such as: finding a balance between sufficient LLPs which regulators want versus transparent LLPs which standard setters want; the sensitivity of abnormal LLPs to changes in equity; the persistence of abnormal LLPs following CEO exit; country-specific interventions that induce LLP procyclicality in emerging countries; the impact of Basel III on banks' provisioning discretion; LLP behaviour among systemic and non-systemic financial institutions; etc. We conclude that regulators need to pay attention to how much discretion lending institutions should have in determining reported provision estimates, and this has been a long standing issue.

Banking Relations, Competition and Research Incentives

OpenAIRE

Thomas Gehrig

2000-01-01

When banks incur sunk costs to provide ex-ante information about customers, exclusive banking relations will occur under intense price competition when monitoring costs are low. When monitoring costs are sufficiently high, only non-monitored finance will be provided, typically, by multiple lenders. While multiple lending generally is (second-best) efficient when it emerges, relationship lending typically is not. In our framework, the informational rents in relationships of a single financier ...

Role of Foreign Banks in Integration of Banking Industry

Directory of Open Access Journals (Sweden)

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.

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

Directory of Open Access Journals (Sweden)

Suheir Ereqat

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

Regional Banks in the Russian Banking System

Directory of Open Access Journals (Sweden)

Mikhail Vitalyevich Leonov

2015-06-01

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

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

OpenAIRE

Самородов, Б. В.

2014-01-01

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

Effect of Postmortem Interval and Years in Storage on RNA Quality of Tissue at a Repository of the NIH NeuroBioBank.

Science.gov (United States)

White, Kimberly; Yang, Peixin; Li, Ling; Farshori, Amna; Medina, Alexandre E; Zielke, Horst Ronald

2018-04-01

Brain tissue from 1068 donors was analyzed for RNA quality as a function of postmortem interval (PMI) and years in storage. Approximately 83% of the cortical and cerebellar samples had an RNA integrity number (RIN) of 6 or greater, indicating their likely suitability for real-time quantitative polymerase chain reaction research. The average RIN value was independent of the PMI, up to at least 36 hours. The RNA quality for specific donated brains could not be predicted based on the PMI. Individual samples with a low PMI could have a poor RIN value, while a sample with a PMI over 36 hours may have a high RIN value. The RIN values for control brain donors, all of whom died suddenly and unexpectedly, were marginally higher than for individuals with clinical brain disorders. Polymerase chain reaction (PCR) analysis of samples confirmed that RIN values were more critical than PMI for determining suitability of tissue for molecular biological studies and samples should be matched by their RIN values rather than PMI. Importantly, PCR analysis established that tissue stored up to 23 years at -80°C yielded high-quality RNA. These results confirm that postmortem human brain tissue collected by brain and tissue banks over decades can serve as high quality material for the study of human disorders.

MEMPREDIKSI KESEHATAN BANK DENGAN RASIO CAMELS PADA BANK PERKREDITAN RAKYAT

Directory of Open Access Journals (Sweden)

Herry Laksito

2017-03-01

Full Text Available The Research was empirically retest analyses financial performance under CAMELSratios on degree of bank health. The research model was test financial statements underfinancial ratios on degree of bank health. The purpose of research was to analyze financialratios such as Capitals, Assets, Management, Earnings, Liquidity and sensitivity on degree ofbank health. The population was BPR residing in Pati Sub-Province. According to StatisticCenter Board on 2006, there were 68 BPR residing in Pati Sub-Province. Selection of samplesused purposive sampling with special characteristics suitable with research scopes. So, thesamples of research are 61 Bank Perkreditan Rakyat.Tools of analyses used Regression Logistic.The result of research was from all CAMELS ratios which effect on degree of bank health,Capital which was measured with CAR ratio had level of significance 0.011, Assets which wasmeasured with Assets utilization ratio had level of significance 0.022, Management whichwas measured with OPM ratio had level of significance 0.009, and Earning which was measuredwith ROE ratio had level of significance 0.009.

Knowledge on Bone Banking among Participants in an Orthopaedic Conference: A Preliminary Survey

Directory of Open Access Journals (Sweden)

Mohd S

2017-07-01

Full Text Available Despite increasing use of bone graft in Malaysia, there was still lack of data to quantify knowledge level on bone banking among orthopaedic community who are involved in transplantation related work. Therefore, a survey on awareness in tissue banking specifically bone banking, usage and choice of bone grafts was conducted. From 80 respondents, 82.5% were aware about tissue banking however only 12.5% knew of the existence of tissue banks in Malaysia. Femoral head was the bone allograft most often used as a substitute to autograft. Only 34.8% respondents preferred irradiated bone grafts whilst 46.9% preferred nonirradiated, indicating the need to educate the importance of radiation for sterilising tissues. Exhibition was the most preferred medium for awareness programme to disseminate information about bone banking in the orthopaedic community. The professional awareness is necessary to increase the knowledge on the use of bone graft, hence to increase bone transplantation for musculoskeletal surgeries in the country.

Knowledge on Bone Banking among Participants in an Orthopaedic Conference: A Preliminary Survey.

Science.gov (United States)

Mohd, S; Yusof, N; Ramalingam, S; Ng, W M; Mansor, A

2017-07-01

Despite increasing use of bone graft in Malaysia, there was still lack of data to quantify knowledge level on bone banking among orthopaedic community who are involved in transplantation related work. Therefore, a survey on awareness in tissue banking specifically bone banking, usage and choice of bone grafts was conducted. From 80 respondents, 82.5% were aware about tissue banking however only 12.5% knew of the existence of tissue banks in Malaysia. Femoral head was the bone allograft most often used as a substitute to autograft. Only 34.8% respondents preferred irradiated bone grafts whilst 46.9% preferred nonirradiated, indicating the need to educate the importance of radiation for sterilising tissues. Exhibition was the most preferred medium for awareness programme to disseminate information about bone banking in the orthopaedic community. The professional awareness is necessary to increase the knowledge on the use of bone graft, hence to increase bone transplantation for musculoskeletal surgeries in the country.

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

Directory of Open Access Journals (Sweden)

Tetiana Vasilyeva

2016-10-01

assets to short term liabilities ratio and cost to income ratio. Empirical results of the research found out that grate damage to the stability of banking system has some parameters of banking activity, that’s why the main purpose of the regulation by the National Bank of Ukraine should be strengthening of macroprudential supervision and intensification of adaptation of Basel II and Basel III requirements

Low tumour cell content in a lung tumour bank: implications for molecular characterisation.

Science.gov (United States)

Goh, Felicia; Duhig, Edwina E; Clarke, Belinda E; McCaul, Elizabeth; Passmore, Linda; Courtney, Deborah; Windsor, Morgan; Naidoo, Rishendren; Franz, Louise; Parsonson, Kylie; Yang, Ian A; Bowman, Rayleen V; Fong, Kwun M

2017-10-01

Lung cancer encompasses multiple malignant epithelial tumour types, each with specific targetable, potentially actionable mutations, such that precision management mandates accurate tumour typing. Molecular characterisation studies require high tumour cell content and low necrosis content, yet lung cancers are frequently a heterogeneous mixture of tumour and stromal cells. We hypothesised that there may be systematic differences in tumour cell content according to histological subtype, and that this may have implications for tumour banks as a resource for comprehensive molecular characterisation studies in lung cancer. To investigate this, we estimated tumour cell and necrosis content of 4267 samples resected from 752 primary lung tumour specimens contributed to a lung tissue bank. We found that banked lung cancer samples had low tumour cell content (33%) generally, although it was higher in carcinoids (77.5%) than other lung cancer subtypes. Tumour cells comprise a variable and often small component of banked resected tumour samples, and are accompanied by stromal reaction, inflammation, fibrosis, and normal structures. This has implications for the adequacy of unselected tumour bank samples for diagnostic and molecular investigations, and further research is needed to determine whether tumour cell content has a significant impact on analytical results in studies using tissue from tumour bank resources. Crown Copyright © 2017. Published by Elsevier B.V. All rights reserved.

Jordan Banks Financial Soundness Indicators

Directory of Open Access Journals (Sweden)

Imad Kutum

2015-09-01

Full Text Available The aim of this research paper is to examine the Jordanian banks using financial soundness indicators. This is to establish if Jordanian banks were affected because of the 2007/2008 financial crisis and determine the underlying reasons. The research paper was conducted on 25 banks in Jordan listed in the countries securities exchange. The research methodology used consisted of examining the banks financial records in order to derive four crucial Basel III ratio such as the capital adequacy ratio, the leverage ratio, the liquidity ratio and finally the Total Provisions (As % Of Non-Performing Loans %. The results revealed that out of the four hypotheses under examination Jordan Banks do not meet Basel financial Indicators for Capital Adequacy Ratio, Jordan Banks does not meet Basel financial Indicators for Liquidity Ratio , Jordan Banks do not meet Basel financial Indicators for Leverage Ratio and Jordan Banks do not meet Basel financial Indicators for Total Provisions (As % Of Non-Performing Loans ratio. Only one hypothesis was accepted based on the research outcomes. The rest of the hypothesis was rejected since the average trend line did not go below the Basel III required ratio level. The general outcome of the research revealed that Jordanian banks were not affected significantly by the financial crisis.

Alternatives to eye bank native tissue for corneal stromal replacement.

Science.gov (United States)

Brunette, Isabelle; Roberts, Cynthia J; Vidal, François; Harissi-Dagher, Mona; Lachaine, Jean; Sheardown, Heather; Durr, Georges M; Proulx, Stéphanie; Griffith, May

2017-07-01

Corneal blindness is a major cause of blindness in the world and corneal transplantation is the only widely accepted treatment to restore sight in these eyes. However, it is becoming increasingly difficult for eye banks to meet the increasing demand for transplantable tissue, which is in part due to population aging. Donor tissue shortage is therefore a growing concern globally and there is a need for alternatives to human donor corneas. Biosynthetic corneal substitutes offer several significant advantages over native corneas: Large-scale production offers a powerful potential solution to the severe shortage of human donor corneas worldwide; Good manufacturing practices ensure sterility and quality control; Acellular corneal substitutes circumvent immune rejection induced by allogeneic cells; Optical and biomechanical properties of the implants can be adapted to the clinical need; and finally these corneal substitutes could benefit from new advances in biomaterials science, such as surface coating, functionalization and nanoparticles. This review highlights critical contributions from laboratories working on corneal stromal substitutes. It focuses on synthetic inert prostheses (keratoprostheses), acellular scaffolds with and without enhancement of endogenous regeneration, and cell-based replacements. Accent is put on the physical properties and biocompatibility of these biomaterials, on the functional and clinical outcome once transplanted in vivo in animal or human eyes, as well as on the main challenges of corneal stromal replacement. Regulatory and economic aspects are also discussed. All of these perspectives combined highlight the founding principles of the clinical application of corneal stromal replacement, a concept that has now become reality. Copyright © 2017 Elsevier Ltd. All rights reserved.

RESEARCH OF PROCESS OF FINANCIAL MONITORING ORGANIZING IN BANKS

Directory of Open Access Journals (Sweden)

Viktoriia Kovalenko

2017-03-01

Full Text Available The article aims to study methods and tools for financial monitoring by banks. It is proved that one of the main global financial problems in recent years is increasing number of cases of banks participating in the money laundering. It causes banks huge losses, undermines the credibility of honest depositors, in addition, circulation of funds like these hurts the national economy. The article is to develop recommendations to improve the effectiveness of financial monitoring in banks. It is proved that the current model of the national financial monitoring system includes the following elements: the purpose of macroeconomic and microeconomic levels; principles; function; facilities; subjects; types of financial monitoring; methods of implementation and regulatory prevue regulation. It is proved that the major problems related to the financial monitoring of banks are the following: lack of legislatively established quality requirements of customer information; persons engaged in legalization of illegal incomes are highly qualified, which greatly facilitates them through the bank of suspicious transactions; the process of settlement bank failure in the conduct of questionable transactions. Keywords: financial monitoring, suspicious transactions, bank, money laundering, financing of terrorism.

Customer loyalty in Internet banking

OpenAIRE

Eriksson, M.; Schuster, C.

2008-01-01

In the recent years the way to do banking has changed. Internet banking has grown and a lot of niche banks working mainly with the Internet as a medium has entered the Swedish bank market. How to keep the customer loyal online in a very competitive environment has become a main question for the banks. The aim of this dissertation is to test what factors impact bank customer loyalty in an online environment. A positivistic research philosophy, a deductive research approach, an explanatory pur...

Saba Bank research expedition 2013 - Progress Report

NARCIS (Netherlands)

Beek, van I.J.M.; Meesters, H.W.G.

2014-01-01

The Saba Bank is the largest submerged carbonate platform of 2,200 km2 in the Caribbean Sea, which lies partially within the Exclusive Economic Zone of the Netherlands and partially within the territorial waters of Saba and St. Eustatius. The Saba Bank houses an expansive coral reef ecosystem with a

BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

Directory of Open Access Journals (Sweden)

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

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 ...

Skin bank development and critical incident response.

Science.gov (United States)

Hamilton, Kellie T; Herson, Marisa R

2011-05-01

The Donor Tissue Bank of Victoria (DTBV), situated in Melbourne, Australia developed a skin banking program in 1994. It remains Australia's only operational skin bank, processing cryopreserved human cadaveric skin for the treatment of burns. The demand for allograft skin in Australia has steadily increased since the development of the program. The bank has been involved in the provision of skin for a number of critical incidences or disasters both in Australia and overseas. Demand always exceeds supply, and in the absence of other local skin banks, the DTBV has needed to develop strategies to enable increased provision of allograft skin nationally.

Ovarian stimulation and embryo banking for fertility preservation in a woman with severe mixed connective tissue disease: Is it safe?

Science.gov (United States)

Sioulas, Vasileios D; Gracia, Clarisa R

2012-03-01

To report the first case of using assisted reproductive technologies (ART) for fertility preservation in a patient with mixed connective tissue disease (MCTD), secondary pulmonary hypertension (PH) and antiphospholipid syndrome (APS). Case-report and review of the literature. Academic infertility practice and tertiary care center. A 25-year-old woman with MCTD, complicated with PH and APS, who was scheduled for gonadotoxic therapy Controlled ovarian hyperstimulation, egg retrieval, embryo banking. Successful ART cycle leading to embryo banking without worsening her underlying disease. Following successful embryo cryopreservation, the patient experienced respiratory failure and other severe complications, resulting in a prolonged hospital stay. Controlled ovarian hyperstimulation for embryo banking in women with MCTD, PH and APS may pose a risk for potentially catastrophic complications. A multidisciplinary approach to these patients is necessary to optimize the outcomes of such procedures. More data are needed regarding the safety of fertility preservation technologies in patients with complex medical diseases.

Customer Satisfaction in Participation Banks: A Research in Kastamonu

Directory of Open Access Journals (Sweden)

Serkan Dilek

2017-10-01

Full Text Available Interest income is considered as forbidden in Islam. Therefore in Turkey, conservatives generally don’t prefer general banking and by this way funds can’t be used in economic system. So saving deficit can’t be solved in country and saving of people depreciates against inflation. Participation banks which work according to Islamic rules are set up to bring these funds to economy. Participation banking operates in more than 60 countries today and conservatives generally prefer to work with because they are working to principles of profit instead of interest. To attract and persuade more people, at first participation banks should satisfy their customers. In our study we aim to measure customer satisfaction in participation banks in Kastamonu and to reveal the differences between demographic groups. To this aim we conducted a questionnaire to customers of participation banks in Kastamonu.

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.

ANALISIS KOMPARASI KINERJA KEUANGAN; BANK DEVISA DAN BANK NON DEVISA

Directory of Open Access Journals (Sweden)

Nani Hartati

2017-11-01

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

Banking (on) the brain: from consent to authorisation and the transformative potential of solidarity.

Science.gov (United States)

Harmon, Shawn H E; Mcmahon, Aisling

2014-01-01

Modern technologies and biomedicine ambitions have given rise to new models of medical research, including population biobanking. One example of biobanking is brain banking, which refers to the collection and storage of brain and spinal cord samples for research into neurological diseases. Obviously, brain banking involves taking brains and tissue from deceased people, a fact which complicates the role of recruiters and makes consent a poor tool for stakeholders. After contextualising brain banking and considering the public health issues at stake, this article explores the legal definitions and demands of, and actual processes around, consent in England/Wales/Northern Ireland and authorisation in Scotland, articulating and evaluating their conceptual and practical differences. It then argues for an expanded but improved operation of 'authorisation' in the brain banking (and broader biobanking) setting, adopting 'solidarity' as our foundation and the improvement of the 'public good' our objective. © The Author [2014]. Published by Oxford University Press; all rights reserved. For Permissions, please email: journals.permissions@oup.com.

An Australian Brain Bank: a critical investment with a high return!

Science.gov (United States)

Garrick, T.; Dedova, I.; Hunt, C.; Miller, R.; Sundqvist, N.; Harper, C.

2012-01-01

Research into neuropsychiatric disorders, including alcohol-related problems, is limited in part by the lack of appropriate animal models. However, the development of new technologies in pathology and molecular biology means that many more questions can be addressed using appropriately stored human brain tissues. The New South Wales Tissue Resource Centre (TRC) in the University of Sydney (Australia) is a human brain bank that can provide tissues to the neuroscience research community studying alcohol-related brain disorders, schizophrenia, depression and bipolar disorders. Carefully standardised operational protocols and integrated information systems means that the TRC can provide high quality, accurately characterised, tissues for research. A recent initiative, the pre-mortem donor program called “Using our Brains”, encourages individuals without neuropsychiatric illness to register as control donors, a critical group for all research. Community support for this program is strong with over 2,000 people registering their interest. Discussed herein are the protocols pertaining to this multifaceted facility and the benefits of investment, both scientific and financial, to neuroscience researchers and the community at large. PMID:18543078

An Australian Brain Bank: a critical investment with a high return!

Science.gov (United States)

Sheedy, D; Garrick, T; Dedova, I; Hunt, C; Miller, R; Sundqvist, N; Harper, C

2008-09-01

Research into neuropsychiatric disorders, including alcohol-related problems, is limited in part by the lack of appropriate animal models. However, the development of new technologies in pathology and molecular biology means that many more questions can be addressed using appropriately stored human brain tissues. The New South Wales Tissue Resource Centre (TRC) in the University of Sydney (Australia) is a human brain bank that can provide tissues to the neuroscience research community studying alcohol-related brain disorders, schizophrenia, depression and bipolar disorders. Carefully standardised operational protocols and integrated information systems means that the TRC can provide high quality, accurately characterised, tissues for research. A recent initiative, the pre-mortem donor program called "Using our Brains", encourages individuals without neuropsychiatric illness to register as control donors, a critical group for all research. Community support for this program is strong with over 2,000 people registering their interest. Discussed herein are the protocols pertaining to this multifaceted facility and the benefits of investment, both scientific and financial, to neuroscience researchers and the community at large.

Customer relationship management activities in e-banking:the case of Iranain banks

OpenAIRE

Keramati, Abbas; Salehi-Sangari, Esmail; Farshid, Mana; Toufighi Zavareh, Javad

2009-01-01

The aim of this research is to investigate customer relationship management (CRM) activities in e-banking among Iranian banks. These banks are already adopting CRM and approaching it differently, and achieving different rates of success in terms of customer satisfaction and CRM. A comparative approach of their attitudes toward CRM, therefore, will reveal important insights. Following similar approaches researchers have employed in Europe, Pakistan, Malaysia, the UK and Ireland, we investigate...

A decade in banking Ewing sarcoma: a report from the children’s oncology group

Directory of Open Access Journals (Sweden)

Scott C. Borinstein

2013-03-01

Full Text Available Outcomes for patients with metastatic and recurrent Ewing sarcoma remain poor and a better understanding of the biology of this malignancy is critical to the development of prognostic biomarkers and novel therapies. Therefore, the Children’s Oncology Group (COG has created tissue banking protocols designed to collect high quality clinically annotated tumor specimens that can be distributed to researchers to perform basic science and correlative investigation. Data from the COG Ewing sarcoma tissue banking protocols AEWS02B1 and its successor study AEWS07B1 were reviewed in this study. 635 patients were enrolled on AEWS02B1 and 396 patients have had tissue submitted to AEWS07B1. The average age of participation was 13.2 years. 86% were less than 19 years old and only 6% were greater than 21 years of age at diagnosis. When compared to SEER data, approximately 18% of all cases and only 8% of all patients >20 years old diagnosed with Ewing sarcoma annually in the United States have had tumor banked. The majority of participants submitted formalin fixed paraffin embedded primary tumor and blood samples. In total, fresh frozen tissue was submitted for only 29% of cases. Only 7 metastatic tumor samples have been collected. Although the COG has been successful in collecting tumor samples from patients newly diagnosed with Ewing sarcoma, fresh frozen tumor specimens from primary and metastatic disease are critically needed, especially from young adult patients, in order to conduct high quality basic science and translational research investigation with a goal of developing better treatments.

Bank Indonesia dalam Tata Pemerintahan Indonesia

OpenAIRE

Ismail, Maqdir

2010-01-01

This research focuses on problems as follows: First, position and role of Bank Indonesia as a state body in Indonesia; Second, independency of central bank in performing its monetary function. This research is a juridical normative research using primary legal source which is legislation concerning central bank. Data is collected through document study and literary study. This research concludes that position of Bank Indonesia as a legal entity should have been included in the explanation of ...

Bank Indonesia Dalam Tata Pemerintahan Indonesia

OpenAIRE

Ismail, Maqdir

2010-01-01

This research focuses on problems as follows: First, position and role of Bank Indonesia as a state body in Indonesia; Second, independency of central bank in performing its monetary function. This research is a juridical normative research using primary legal source which is legislation concerning central bank. Data is collected through document study and literary study. This research concludes that position of Bank Indonesia as a legal entity should have been included in the explanation of ...

A RESEARCH ANALYSIS OF THE LEVEL OF EMPLOYEES’ SATISFACTION BY TRAINING PROGRAMS IN BOSNIA AND HERZEGOVINA BANKING SECTOR

Directory of Open Access Journals (Sweden)

Adisa DELIĆ

2015-07-01

Full Text Available Investment into people through education, professional training in accordance to bank’s needs, and work on “nurturing” the readiness to challenges and changes are all significant starting points for achieving bank competitiveness. Identifying the dominant forms of employee training and determining the level of employee satisfaction by the existing training programs, which is the basic goal of this paper, enable bank managers to obtain valid information on appropriate changes of certain training programs and development of employees. The paper presents the results of the empirical research conducted in a subject BiH bank, aimed at defining the methods of employee training that are characteristic of the banking sector and the level of employee satisfaction by training programs they attend. The research included 172 employees of the subject bank. The authors believe that the critical analysis of the employee training and development methods applied in the banking sector as well as the criteria for selecting the programs for the realization of these methods can lead to widening the scientific knowledge in the field of human resource management in banking and to creating specific recommendations for bank managers which they can/need apply in their practice in order to improve the entire business operations.

PENGARUH RASIO KESEHATAN BANK TERHADAP KINERJA KEUANGAN BANK SYARIAH PERIODE 2010-2013

Directory of Open Access Journals (Sweden)

Iwan Fakhruddin

2015-09-01

Full Text Available The research was aimed to analyze the effect of risk base bank ratio to the financial performance of syariah bank listed in Central Bank of Indonesia. The population covered all syariah Bank and the sample was 11 syariah Bank. Then, the data analyze through double regression. The research showed that Capital Adequacy Ratio (CAR, Non Performing Ratio (NPF, Operational efficiency Ratio (OER, Financing to Deposit Ratio (FDR, Quality of Productive Active (KAP effected simultaneously to Return of Asset (ROA. CAR variable had positive and significant effects to ROA. NPF contributed negative and significant effects to ROA. OER comprised negative and significant effect to ROA. FDR had positive and significant effect to ROA. KAP got negative and significant effect to ROA.

38 CFR 1.485a - Eye, organ and tissue donation.

Science.gov (United States)

2010-07-01

... centers must verify annually in January of each calendar year with the Food and Drug Administration (FDA) that an eye bank or tissue bank has complied with the FDA registration requirements of 21 CFR part 1271 and that the registration status is active before permitting an eye bank or tissue bank to receive...

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

OpenAIRE

Angel, Christania Graciella; Pusung, Rudy

2014-01-01

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

DAMPAK ELECTRONIC BANKING TERHADAP KINERJA PERBANKAN INDONESIA

Directory of Open Access Journals (Sweden)

Farah Margaretha

2015-12-01

Full Text Available The purpose of this research is to determine the effect of banking service to bank profitability.  A dependend variable ratio in this research is internet banking. It  is to test the effect of Return on Asset (ROA, Return on Equity (ROE, Operating Expenses towards Operating Income and Performance. Another ratio, that was used as a variable control, is asset. The method of data analysis is binary logistic regression. The object of the research is 68 banks in Indonesia. Those banks are divided into two groups, bank with and without internet banking. The result of this research shows that there is influence on internet banking service to effeciency profitability and different grouping. Finance Manager and Investor should pay attention the effect of ROA, ROE, BOPO and Asset.

A diaper bank and home visiting partnership: Initial exploration of research and policy questions.

Science.gov (United States)

Sadler, Lois S; Condon, Eileen M; Deng, Shirley Z; Ordway, Monica Roosa; Marchesseault, Crista; Miller, Andrea; Alfano, Janet Stolfi; Weir, Alison M

2018-03-01

The cost of diapering an infant can place a significant financial strain on families living in poverty. Partnerships between diaper banks and home visiting programs for young families may offer an innovative solution to expanding the reach and impact of diaper banks in low-income communities. The purpose of this pilot study was to uncover preliminary information about the functions of diaper distribution through home visiting programs, and to inform future research and policy questions regarding diaper distribution to families in need. In this descriptive qualitative pilot study, semi-structured interviews were conducted with 6 home visitors from Minding the Baby ® (MTB), a home visiting intervention for young parents. MTB clinicians routinely distribute diapers in partnership with The Diaper Bank in Connecticut. We used directed content analysis to code and analyze interview transcripts. These preliminary findings indicate that partnerships between home visiting programs and diaper banks may benefit families by improving diaper access, reducing stigma, and fostering trusting relationships with home visitors. Home visiting program benefits including engagement or re-engagement with families may need to be balanced with potential effects on clinical and therapeutic relationships. Recommendations for next steps in research and related policy questions are discussed. © 2017 Wiley Periodicals, Inc.

Sterilization of biological tissues with ionizing radiation; Esterilizacion de tejidos biologicos con radiacion ionizante

Energy Technology Data Exchange (ETDEWEB)

Reyes F, M.L.; Martinez P, M.E.; Luna Z, D. [Instituto Nacional de Investigaciones Nucleares, A.P. 18-1027, 11801 Mexico D.F. (Mexico)

1997-07-01

On June 1994, the National Institute of Nuclear Research (ININ) and the South Central Hospital for High Specialty of PEMEX (HCSAE) began a joint work with the finality to obtain radio sterilized amniotic membranes for to be used as cover (biological bandage) in burnt patients. Subsequently the Chemistry Faculty of UNAM and the National Institute of Cardiology began to collaborate this last with interest on cardiac valves for graft. Starting from 1997, the International Atomic Energy Agency (IAEA) supports this project (MEX/7/008) whose main objective is to set up the basis to establish in Mexico a Radio sterilized Tissue Bank (amniotic membranes, skin, bones, tendons, cardiac valves, etc.) to be used with therapeutic purposes (grafts). The IAEA support has consisted in the equipment acquisition which is fundamental for the Tissue Bank performance such as an experimental irradiator, laminar flow bell, lyophilizer, vacuum sealer and special knives for tissues. Also visits to Mexico of experts have been authorized with the aim of advising to the personnel which participate in the project and scientific visits of this personnel to another tissue banks (Sri Lanka and Argentine). The establishment in Mexico of a Tissue bank will be a great benefit because it will have availability of distinct tissues for grafts and it will reduce the synthetic materials importation which is very expensive. (Author)

Biobanking of human pancreas cancer tissue: impact of ex-vivo procurement times on RNA quality.

Science.gov (United States)

Rudloff, Udo; Bhanot, Umesh; Gerald, William; Klimstra, David S; Jarnagin, William R; Brennan, Murray F; Allen, Peter J

2010-08-01

Tissue banking has become a major initiative at many oncology centers. The influence of warm ex-vivo ischemia times, storage times, and biobanking protocols on RNA integrity and subsequent microarray data is not well documented. A prospective institutional review board-approved protocol for the banking of abdominal neoplasms was initiated at Memorial Sloan-Kettering Cancer Center in 2001. Sixty-four representative pancreas cancer specimens snap-frozen at various ex-vivo procurement times (1 h) and banked during three time periods (2001-2004, 2004-2006, 2006-2008) were processed. RNA integrity was determined by microcapillary electrophoresis using the RNA integrity number (RIN) algorithm and by results of laser-capture microdissection (LCM). Overall, 42% of human pancreas cancer specimens banked under a dedicated protocol yielded RNA with a RIN of > or =7. Limited warm ex-vivo ischemia times did not negatively impact RNA quality (percentage of tissue with total RNA with RIN of > or =7 for 60 min, 42%), and long-term storage of banked pancreas cancer biospecimens did not negatively influence RNA quality (total RNA with RIN of > or =7 banked 2001-2004, 44%; 2004-2006, 38%; 2006-2008, 50%). RNA retrieved from pancreatic cancer samples with RIN of > or =7 subject to LCM yielded RNA suitable for further downstream applications. Fresh-frozen pancreas tissue banked within a standardized research protocol yields high-quality RNA in approximately 50% of specimens and can be used for enrichment by LCM. Quality of tissues of the biobank were not adversely impacted by limited variations of warm ischemia times or different storage periods. This study shows the challenges and investments required to initiate and maintain high-quality tissue repositories.

Connective tissue: cancer patients’ attitudes towards medical research using excised (tumour) tissue

NARCIS (Netherlands)

Vermeulen, E.; Schmidt, M.K.; Cornel, M.C.; Knoppers, B.M.; van Leeuwen, F.E.; Aaronson, N.K.

2011-01-01

The objective of this article is to explore the views of Dutch cancer patients on the use of excised and stored (tumor) tissues in medical research. Excised tissues are routinely stored in hospitals for future diagnostic use. They are also important for scientific research. This article discusses

Training tissue bank operators: the International Atomic Energy Agency (IAEA)/National University of Singapore (NUS) 10 years of experience.

Science.gov (United States)

Nather, A; Phillips, G O; Morales Pedraza, Jorge; Lee, Chris C W

2009-05-01

National University of Singapore (NUS) was appointed by IAEA to become IAEA/NUS Regional Training Centre (RTC) for Asia and the Pacific region in September 1996. The Government of Singapore (represented by the Ministry of Environment) with the National Science and Technology Board as the funding agency awarded a grant of S$225,500 to build a new purpose-built tissue bank to be the Regional Training Centre. National University Hospital provided a space of 2,000 square feet for this purpose. The first Diploma Course was launched on 3 November 1997 with 17 candidates with the first NUS Diploma Examination being held in October 1998. Between November 1997 and April 2007, a total of nine courses were conducted by RTC with a total of 180 tissue bank operators, 133 from Asia and the Pacific region (13 countries including 2 from Iran), 14 from Africa (Algeria, Egypt, Libya, Egypt, South Africa and Zambia), 6 from Latin America (Brazil, Chile, Cuba, Peru and Uruguay), 9 from Europe (Greece, Slovakia, Poland, Ukraine) and 2 from Australia. The last batch (ninth batch) involved twenty students registered in April 2007 and will be due to sit for the terminal examination only in April 2008.

Stem Cell Banking for Regenerative and Personalized Medicine

Directory of Open Access Journals (Sweden)

David T. Harris

2014-02-01

Full Text Available Regenerative medicine, tissue engineering and gene therapy offer the opportunity to treat and cure many of today’s intractable afflictions. These approaches to personalized medicine often utilize stem cells to accomplish these goals. However, stem cells can be negatively affected by donor variables such as age and health status at the time of collection, compromising their efficacy. Stem cell banking offers the opportunity to cryogenically preserve stem cells at their most potent state for later use in these applications. Practical stem cell sources include bone marrow, umbilical cord blood and tissue, and adipose tissue. Each of these sources contains stem cells that can be obtained from most individuals, without too much difficulty and in an economical fashion. This review will discuss the advantages and disadvantages of each stem cell source, factors to be considered when contemplating banking each stem cell source, the methodology required to bank each stem cell source, and finally, current and future clinical uses of each stem cell source.

Stem Cell Banking for Regenerative and Personalized Medicine

Science.gov (United States)

Harris, David T.

2014-01-01

Regenerative medicine, tissue engineering and gene therapy offer the opportunity to treat and cure many of today’s intractable afflictions. These approaches to personalized medicine often utilize stem cells to accomplish these goals. However, stem cells can be negatively affected by donor variables such as age and health status at the time of collection, compromising their efficacy. Stem cell banking offers the opportunity to cryogenically preserve stem cells at their most potent state for later use in these applications. Practical stem cell sources include bone marrow, umbilical cord blood and tissue, and adipose tissue. Each of these sources contains stem cells that can be obtained from most individuals, without too much difficulty and in an economical fashion. This review will discuss the advantages and disadvantages of each stem cell source, factors to be considered when contemplating banking each stem cell source, the methodology required to bank each stem cell source, and finally, current and future clinical uses of each stem cell source. PMID:28548060

Brand building process of banking services

Directory of Open Access Journals (Sweden)

Filipović V.

2006-01-01

Full Text Available Changes related to competitive surroundings, legislation, and use of technology in banking business created new challenges for the managers in banking sector and emphasized the importance of brand building in the field of financial services. The need for financial institutions to manage its users in a way that provides them satisfaction, two-way communication and trust developing into loyalty was created. Regarding the research methodology, it is important to emphasize that the main discussion related to the purpose of research is to determine, improve, and better comprehend the main problems appearing in the process of brand building of banking services on the Belgrade market from the users standpoint. In order to realize the established purpose of the research, answers to the following research questions shall be provided: 1 Which problems in communication with the users are important for bank brand building?, 2 In what way do users see the image and personality of a bank? 3 In which way does brand of the origin of a bank influence the choice of users for the banking services? And 4 In which way the strategy of communication in the process of brand building of banking services can be improved? The quantitative approach to the research has been used. This study is based on the research procedure of surveys and data collection through a questionnaire, as an instrument in the research which was given to the adult citizens on the territory of the city of Belgrade. Statistic treatment of the data was conducted by using the SPSS software. The results are presented by using the combined techniques: in written form, in tables and graphs. So, the basic conclusions would be such as: after the marketing research on how banks carry on the processes of brand building was conducted, certain conclusions could be drawn from it: It is very important for a client to be involved in the process of brand building. By taking into consideration the criteria based on

Comparison of the Performance of SOEs Banks and Private Banks and its Influece to the Stock Prices

Directory of Open Access Journals (Sweden)

Husnul Insan

2017-09-01

Full Text Available Banking industry is one of the industries which show the presence of tight competition. The competition itself can be seen from the number of banks which operates in Indonesia in 2014, that is 119 banks. The aim of doing this research is to analyze the different financial performances between Significant effect on the level of 5% and Private banks, and also to analyze the variable influence of bank finance performances to the stock price. The analyzing method which will be used on this research is radar and regression analyzing graphic illustration techniques. The result of this research shows that financial performances of SEOs Banks is better than Private Banks according to the profitability, productivity, and growth potential aspect, while on the aspect of liquidity, private banks has a better performance than SOEs banks. In terms of solvability, both banks have the same financial performances. According to the regression analysis, it is known that the bank financial performance on CAS and NIM variable has a positive and significant influence to the stock prices, while on LDR, CRR, CAR, DRR, and ROA variables they have a negative and significant influence to the stock prices. This shows that the investors have made those variables as a benchmark in their investing policies and they tend to pursue the stocks from SOEs banks rather than private banks, because generally SOEs banks have a better financial performance than private banks.Keywords: regression analysis, bank, stock prices, financial performances, radar method

Evolution of the Radio-sterilized Tissues Bank of the Instituto Nacional de Investigaciones Nucleares; Evolucion del Banco de Tejidos Radioesterilizados del Instituto Nacional de Investigaciones Nucleares

Energy Technology Data Exchange (ETDEWEB)

Martinez P, M. E.; Reyes F, M. L.; Luna Z, D., E-mail: esther.martinez@inin.gob.mx [ININ, Carretera Mexico-Toluca s/n, 52750 Ocoyoacac, Estado de Mexico (Mexico)

2013-10-15

The Radio-sterilized Tissues Bank (RTB) of the Instituto Nacional de Investigaciones Nucleares (ININ) was established in 1997, as national project supported by the IAEA, who provided equipment, training and expert missions. In July of 1999, the Secretaria de Salud (Mexico) granted the sanitary license to the RTB. The first radio-sterilized tissue was the amnion. Later on, the process of frozen and lyophilized pig skin was development. Both tissue types are used as biological dressings in patient with burns, ulcers or on injuries difficult to heal, the amnion is also used for the damage treatment in the ocular surface. In 2003, the ININ improved the facilities of the RTB and in August of that same year the certification of the Quality Administration System was obtained under the standard ISO 9001:2000, at the present time ISO 9001:2008. The support of the IAEA granted to Mexico was of 1997-2004 and 2009-2012, by means of regional and inter regional projects where was obtained equipment and training mainly, for personal of the ININ and other institutions. With the last project supported by the IAEA, two very important documents were generated for the tissues bank of Argentina, Brazil, Colombia, Costa Rica, Cuba, Ecuador, El Salvador, Mexico, Peru, Uruguay and Venezuela, strengthening the interaction among these countries. To offer more radio-sterilized tissues to the medical community, in June of 2007 the RTB signed and agreement with the Secretaria de Salud of the Mexico State by means of the Centro Estatal de Transplantes del Estado de Mexico, for the process of muscle-skeletal tissue, skin and amnion. At present, besides amnion and pig skin, in the RTB there is in existence powdered and chips bone; concluding the validation stage the human skin process is. As a social function of the ININ, the RTB has contributed to the health improvement of patients of more than 50 hospital institutions, mainly those that assist to patient of low resources in different cities of

Change management in bank M&A

Directory of Open Access Journals (Sweden)

Kontić Ljiljana

2014-01-01

Full Text Available This paper examines the issues of change management in merger and acquisitions (M&As using the mixed method research approach. The research setting consisted of a foreign bank that operates in Serbia. The main aim of this study is to examine willingness for change in bank M&A. The qualitative data about the bank were sourced from publicly available information about the bank. The standardized questionnaire is used to assess bank's willingness for change. Based on managers structure, the representative sample of middle managers has been interviewed in this study. The research findings revealed possible practical implementation of the questionnaire in the Serbian banking sector. The results revealed that changes in bank should be led top down. The findings add to the existing literature on success factors in cross-border mergers and acquisitions. The study limitation are suggested.

Application of Biological Tissue Grafts for Burns in Zambia

International Nuclear Information System (INIS)

Chishimba, Gershom

2001-01-01

The author discusses the advances made in the use of Biological Tissue Grafts for the treatment of burns.The paper outlines research activities and clinical trials done in the use of gamma radiation sterilised Amnion membranes and Pig skin grafts in the zambian Heath Care System for treatment of Burns.Ethical issues of Tissue Banking are also discussed in relation to religious and cultural beliefs and Good Manufacturing Practices

Financial Performance Bank BNI Syariah Company

Directory of Open Access Journals (Sweden)

Diana Widhi Rachmawati

2018-05-01

Full Text Available ABSTRACT PT Bank BNI Syariah, one of them working are a big banking company is almost covering all over the country until now looked at  pretty good company asset which are owned, so author conduct research in the title “Financial Performance PT Bank BNI Syariah in Solvability Ratio”. Financial Statement Analysis is aplication from tools and technical analysis financial report general aim and data to be related and estimation produce useful conclutions in business analysis. Financial Performance Analysis research used analysis methode is solvability ratio. General aim to give information finance performance PT Bank BNI Syariah development.  Special goals is finance performance PT Bank BNI Syariah from Solvability Ratio”. This Sample is: PT Bank BNI Syariah. Final result which is research obtained it says finance performance  PT Bank BNI Syariah from Solvability Ratio quite solvable, because this three point inside it contained increased.  This development hope PT Bank BNI Syariah, to be remain consistent with trying to do breakthrough a company goals   Key Words  :  Financial Performance PT Bank BNI Syariah

A Decade in Banking Ewing Sarcoma: A Report from the Children’s Oncology Group

Science.gov (United States)

Borinstein, Scott C.; Beeler, Natalie; Block, John J.; Gorlick, Richard; Grohar, Patrick; Jedlicka, Paul; Krailo, Mark; Morris, Carol; Phillips, Sharon; Siegal, Gene P.; Lawlor, Elizabeth R.; Lessnick, Stephen L.

2013-01-01

Outcomes for patients with metastatic and recurrent Ewing sarcoma remain poor and a better understanding of the biology of this malignancy is critical to the development of prognostic biomarkers and novel therapies. Therefore, the Children’s Oncology Group (COG) has created tissue banking protocols designed to collect high quality, clinically annotated, tumor specimens that can be distributed to researchers to perform basic science and correlative investigation. Data from the COG Ewing sarcoma tissue banking protocols AEWS02B1 and its successor study AEWS07B1 were reviewed in this study. Six-hundred and thirty five patients were enrolled on AEWS02B1 and 396 patients have had tissue submitted to AEWS07B1. The average age of participation was 13.2 years. About 86% were less than 19 years old and only 6% were greater than 21 years of age at diagnosis. When compared to SEER data, approximately 18% of all cases and only 8% of all patients >20 years old diagnosed with Ewing sarcoma annually in the United States have had tumor banked. The majority of participants submitted formalin fixed, paraffin embedded, primary tumor and blood samples. In total, fresh frozen tissue was submitted for only 29% of cases. Only seven metastatic tumor samples have been collected. Although the COG has been successful in collecting tumor samples from patients newly diagnosed with Ewing sarcoma, fresh frozen tumor specimens from primary and metastatic disease are critically needed, especially from young adult patients, in order to conduct high quality basic science and translational research investigation with a goal of developing better treatments. PMID:23519678

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

OpenAIRE

Bongani Ngwenya; Khanyisa Malufu

2012-01-01

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

Adopting Internet Banking in Ghana

OpenAIRE

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

2013-01-01

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

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

Directory of Open Access Journals (Sweden)

Rohmawati Kusumaningtias

2009-10-01

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

Bank Ethics:An Empirical Investigation of the Banking in China

Institute of Scientific and Technical Information of China (English)

刘春红; 宋玮

2004-01-01

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

A new viewpoint: running a nonprofit brain bank as a business.

Science.gov (United States)

Rademaker, Sonja H M; Huitinga, Inge

2018-01-01

It has become clear over the past decades that studying postmortem human brain tissue is one of the most effective ways to increase our knowledge of the pathogenesis and etiology of neuropathologic and psychiatric diseases. Many breakthroughs in neuroscience have depended on the availability of human brain tissue. However, the process of brain banking presents many different challenges, including the high cost that is associated with collecting the samples and with providing the diagnostics, storage, and distribution. Funding is generally from research and facility grants and donations but all are irregular, uncertain, and only cover the costs for a determined period of time. For professional brain banks with extensive prospective donor programs and that are open-access it can be very beneficial to draft a business plan to achieve long-term sustainability. Such a business plan should identify the interests of the stakeholders and address the implementation of cost efficiency and cost recovery systems. Copyright © 2018 Elsevier B.V. All rights reserved.

Analysis of human tissue management models for medical research: preparation for implementation of the 2012 revision of the Bioethics and Safety Act of Korea.

Science.gov (United States)

Ryu, Young-Joon; Kim, Hankyeom; Jang, Sejin; Koo, Young-Mo

2013-06-01

Efficient management of human tissue samples is a critical issue; the supply of samples is unable to satisfy the current demands for research. Lack of informed consent is also an ethical problem. One of the goals of the 2012 revision of Korea's Bioethics and Safety Act was to implement regulations that govern the management of human tissue samples. To remain competitive, medical institutions must prepare for these future changes. In this report, we review two tissue management models that are currently in use; model 1 is the most common system utilized by hospitals in Korea and model 2 is implemented by some of the larger institutions. We also propose three alternative models that offer advantages over the systems currently in use. Model 3 is a multi-bank model that protects the independence of physicians and pathologists. Model 4 utilizes a comprehensive single bioresource bank; although in this case, the pathologists gain control of the samples, which may make it difficult to implement. Model 5, which employs a bioresource utilization steering committee (BUSC), is viable to implement and still maintains the advantages of Model 4. To comply with the upcoming law, we suggest that physicians and pathologists in an institution should collaborate to choose one of the improved models of tissue management system that best fits for their situation.

Ionization radiation in sterilization of the tissue transplants

International Nuclear Information System (INIS)

Uhrynowska-Tyszkiewicz, I.; Kaminski, A.

2007-01-01

Established in 1963, the Central Tissue Bank in Warsaw is a multi-tissue bank located in the Department of Transplantology of the Medical University in Warsaw. Allografts such as bone, cartilage, tendons, ligaments, sclera, skin and amnion are preserved mainly by deep-freezing and/or lyophilization and subsequently radiation-sterilized with a dose of 35 kGy with gamma rays in a 60 Co source (at the Institute of Applied Radiation Chemistry in Lodz) or with electron beam 10 MeV accelerator (at the Institute of Nuclear Chemistry and Technology in Warsaw). This is the oldest working tissue bank in the world, which for almost 40 years now has routinely used ionizing radiation for sterilization of tissue allografts

The grave necessity to make eye bank specular microscopy mandatory in all eye banks in the subcontinent to improve utilization of scarce donor corneas.

Science.gov (United States)

Jadeja, Jagruti N; Patel, Bharati D; Shanbhag, Swapna S

2013-12-01

Donor tissue scarcity, Eye Bank Specular Microscopy as yet not made mandatory and tissue utilization often based on clinical judgment only. Prospectively analyze alteration in clinical grading of donor corneas and hence utilization, based on Eye Bank Specular Microscopy (EBSM) and to infer if EBSM should be mandatory in all eye banks. 200 consecutive otherwise 'suitable for surgery' donor eyes were graded clinically. On quantitative and qualitative analysis of endothelial cells by EBSM, final grading was adjusted. Impact on subsequent utilization for various surgeries was analyzed with regard to Age of Donor, Death to Enucleation Time, Death to Preservation Time and Lens Status of Donor Eye. 76 eyes (38%) (P 60 years showed CD >= 2500. From donor >=81 years, 2/13 (15.3%) eyes showed CD between 2501-3000 and 1 (7.6%) eye showed CD > 3000. Owing to better grading after EBSM, 13/14 (92.85%) tissues with DTET >6 hours and 5/5 (100%) tissues with DTPT > 16 hours were transplanted. Out of 45 (22.5%) pseudo-phakic tissues, 21 (46.67%) tissues were used for Therapeutic/Tectonic Penetrating Keratoplasty (PKP) while 24 (53.33%) tissues were used for Optical PKP. EBSM significantly alters final grading of tissues and its subsequent utilization. Acquiring huge importance in areas where adequate supply of corneas is lacking, EBSM becomes an indispensable tool for optimizing availability of qualified tissues for surgery. EBSM should be made a mandatory analysis.

The grave necessity to make eye bank specular microscopy mandatory in all eye banks in the subcontinent to improve utilization of scarce donor corneas

Directory of Open Access Journals (Sweden)

Jagruti N Jadeja

2013-01-01

Full Text Available Context: Donor tissue scarcity, Eye Bank Specular Microscopy as yet not made mandatory and tissue utilization often based on clinical judgment only. Aims: Prospectively analyze alteration in clinical grading of donor corneas and hence utilization, based on Eye Bank Specular Microscopy (EBSM and to infer if EBSM should be mandatory in all eye banks. Materials and Methods: 200 consecutive otherwise ′suitable for surgery′ donor eyes were graded clinically. On quantitative and qualitative analysis of endothelial cells by EBSM, final grading was adjusted. Impact on subsequent utilization for various surgeries was analyzed with regard to Age of Donor, Death to Enucleation Time, Death to Preservation Time and Lens Status of Donor Eye. Results: 76 eyes (38% (P 60 years showed CD >= 2500. From donor >=81 years, 2/13 (15.3% eyes showed CD between 2501-3000 and 1 (7.6% eye showed CD > 3000. Owing to better grading after EBSM, 13/14 (92.85% tissues with DTET >6 hours and 5/5 (100% tissues with DTPT > 16 hours were transplanted. Out of 45 (22.5% pseudo-phakic tissues, 21 (46.67% tissues were used for Therapeutic/Tectonic Penetrating Keratoplasty (PKP while 24 (53.33% tissues were used for Optical PKP. Conclusions: EBSM significantly alters final grading of tissues and its subsequent utilization. Acquiring huge importance in areas where adequate supply of corneas is lacking, EBSM becomes an indispensable tool for optimizing availability of qualified tissues for surgery. EBSM should be made a mandatory analysis.

The Impact of Foreign Banks Presence on the Performance of Domestic Banks in Kosovo during the Period 2001-2007

Directory of Open Access Journals (Sweden)

Driton Balaj

2010-12-01

Full Text Available The purpose of this study is to empirically research the impacts of the foreign bank’spresence on the performance of domestic banking sector in Kosovo. The research data on foreign anddomestic banking are quarterly time seri data gathered by the Central Bank for the period 2001-2007.By using the compatible data on seven commercial banks, we introduce how the net interest margin,non interest margin, overhead cost, tax paid, and profitability differ between the foreign and domesticbanks. We find that the foreign banks have higher net interest margin and profit than the domesticbanks. The research outcome indicates that the presence of foreign banks had a negative andstatistically significant impact on the net interest margin and loan loss provision of domestic banks,but positively related to the non-interest income, overhead cost and profitability of domestic banks,but we did not find any statistically significant values. The general conclusion is that the presence offoreign banks has not influenced on the increase of competitiveness.

BANK RATING. A COMPARATIVE ANALYSIS

Directory of Open Access Journals (Sweden)

Batrancea Ioan

2015-07-01

Full Text Available Banks in Romania offers its customers a wide range of products but which involves both risk taking. Therefore researchers seek to build rating models to help managers of banks to risk of non-recovery of loans and interest. In the following we highlight rating Raiffeisen Bank, BCR-ERSTE Bank and Transilvania Bank, based on the models CAAMPL and Stickney making a comparative analysis of the two rating models.

PEMETAAN PENELITIAN KINERJA BANK SYARIAH DENGAN MENGGUNAKAN INFORMASI KEUANGAN

Directory of Open Access Journals (Sweden)

Rita Yuliana

2014-04-01

Full Text Available Abstract: The Mapping of Financial Information-Based Syariah Bank Performance Research. This article discusses the mapping of research on performance evaluation of Islamic banking by using financial information. The purpose of the mapping is to identify opportunities for future research related to Islamic banking in Indonesia. Mapping results indicate that there are two categories of financial information that is general information and specific. The use of specific information to measure the performance of Islamic banking is still relatively limited and it is an opportunity for the next researcher. In addition, research issues surrounding the Islamic banking are still far behind the research issues in conventional banks. Nevertheless, the issue turns out to be relevant to the phenomena of Islamic banking in Indonesia and therefore enrich subsequent research ideas.

The banking system of liquidity risk management in commercial banks in Kosovo for 2015

Directory of Open Access Journals (Sweden)

Adnan Berisha

2017-03-01

Full Text Available The financial system in general and banking system in particular in Kosovo, is one of the most stable sectors, even though the Kosovo Economy is not in any enviable position and a stable financial system which would have an impact on greater economic growth. The focus of this research will be in the structure and organization of the financial system in Kosovo with particular emphasis on Kosovo's banking system for 2015. In this research we are focused on the Commercial Banks operating in the framework of the banking sector in Kosovo, what is their capital, how many banks have local- and how many have foreign capital, by whom are licensed and supervised, how is the loans potential of commercial banks in Kosovo, how much and how was the variation of interest rates on loans and deposits for 2015 and their comparison with the previous year, what is capital sufficiency and how many commercial banks do have liquidity in Kosovo? Kosovo banking sector exposure to risk will also have a special attention where it is known that there are several types of financial risk and they are: crediting risk, liquidity risk, market risk, operational risk, etc. Our interest in this research will be focused on liquidity risk and the analysis about the management of each bank including some specific regulative frameworks such as: framework of the Basel Committee known as Basel I, Basel II and more recently Basel III, which have strict rules and which change from time to time depending on financial flows or potential crises.

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.

Introductory user's manual for the US Nuclear Regulatory Commission Reactor Safety Research Data Bank

International Nuclear Information System (INIS)

Scofield, N.R.; Hardy, H.A.; Laats, E.T.

1984-03-01

The United States NRC has established the NRC/Division of Accident Evaluation (DAE) Data Bank Program to collect, store, and make available data from the many domestic and foreign water reactor safety research programs. Local direction of the program is provided by EG and G Idaho, Inc., prime contractor for the Department of Energy (DOE) at the Idaho National Engineering Laboratory (INEL). The NRC/DAE Data Bank Program provides a central computer storage mechanism and access software for data that is to be used by code development and assessment groups in meeting the code and correlation needs of the nuclear industry. The administrative portion of the program provides data entry, documentation, training, and advisory services to users and the NRC. The NRC/DAE Data Bank and the capabilities of the data access software are described in this document

Introductory user's manual for the US Nuclear Regulatory Commission Reactor Safety Research Data Bank

International Nuclear Information System (INIS)

Scofield, N.R.; Hardy, H.A.; Laats, E.T.

1983-02-01

The United States Nuclear Regulatory Commission (NRC) has established the NRC/Division of Accident Evaluation (DAE) Data Bank Program to collect, store, and make available data from the many domestic and foreign water safety research programs. Local direction of the program is provided by E G and G Idaho, Inc., prime contractor for the Department of Energy (DOE) at the Idaho National Engineering Laboratory (INEL). The NRC/DAE Data Bank Program provides a central computer storage mechanism and access software for data that is to be used by code development and assessment groups in meeting the code and correlation needs of the nuclear industry. The administrative portion of the program provides data entry, documentation, training, and advisory services to users and the NRC. The NRC/DAE Data Bank and the capabilities of the data access software are described

Customer perceptions on Internet banking information protection

Directory of Open Access Journals (Sweden)

André Redlinghuis

2010-12-01

Objectives: This article has reported on the results of a survey (a close-ended questionnaire that was conducted by alumni of the University of Johannesburg (UJ. The research problem for this study has been formulated as ‘what are Internet banking customers’ perception on information protection when using Internet banking services and products?’ Method: The methodology for this study falls on quantitative research. The research study consisted of a detailed literature review, followed by an empirical component which consisted of a quantitative questionnaire. The questionnaire used in this study consisted of eight sections covering biographical information, financial institution and Internet banking, Internet banking service quality and delivery, Internet banking functionality, Internet banking costs, Internet banking convenience and relationships, Internet banking trust and Internet banking security and information technology (IT. Results: It was established that the findings of this research could assist financial institutions with fostering and building greater value adding relationships with their customers. These value-adding endeavours will ensure that customers experience and perceive their Internet banking experience to be enriching. Education and awareness campaigns are key focus areas financial institutions should continuously invest in. Information should be easily retrievable and communicated in a manner that makes sense to the diverse customer base, especially within South Africa with its diverse cultures and languages. Conclusion: The final conclusion that could be reached is that Internet banking products and services will continue to grow across various divides and platforms as the Internet costs decrease in future, the growth of Internet related products and services such as Internet banking will increase.

Bank regulatory Capital Buffer and Liquidity: Evidence from US and European Publicly Traded Banks

OpenAIRE

Distinguin , Isabelle; Roulet , Caroline; Tarazi , Amine

2012-01-01

The theory of financial intermediation highlights various channels through which capital and liquidity are interrelated. Using a simultaneous equations framework, we investigate the relationship between bank regulatory capital buffer and liquidity for European and U.S. publicly traded commercial banks. Previous research studying the determinants of bank capital buffer has neglected the role of liquidity. On the whole, we find that banks do not strengthen their regulatory capital buffer when t...

Charging large capacitor banks for fusion research using HVDC conversion equipment

International Nuclear Information System (INIS)

Brown, D.R.; Bird, W.L.; Huang, Y.C.; Tolk, K.

1984-01-01

Fundamental considerations in the choice of a continuous duty capacitor bank charging system using HVDC conversion equipment are presented. Large systems of the type used in fusion related research pose significant system related problems if they are to be supplied from a conventional power grid. Schemes for conditioning the required power in order to overcome such problems are presented and evaluated. A resonant charging system is examined in detail and shown to be superior in a number of ways to constant current charging. Results of digital computer simulation studies are used to demonstrate the feasibility of the system. It is shown that the resonant charging system reduces rectifier capacity, simplifies control and reduces reactive power fluctuations. Sequential bank charging and use of a motor-generator set are presented as techniques for compensation of real power fluctuations and a comparison on the basis of initial cost is presented

The banking system of liquidity risk management in commercial banks in Kosovo for 2015

OpenAIRE

Adnan Berisha

2017-01-01

The financial system in general and banking system in particular in Kosovo, is one of the most stable sectors, even though the Kosovo Economy is not in any enviable position and a stable financial system which would have an impact on greater economic growth. The focus of this research will be in the structure and organization of the financial system in Kosovo with particular emphasis on Kosovo's banking system for 2015. In this research we are focused on the Commercial Banks operating in the ...

Alternative banking: theory and evidence from Europe

Directory of Open Access Journals (Sweden)

Kurt Von Mettenheim

2012-12-01

Full Text Available Since financial liberalization in the 1980s, non-profit maximizing, stakeholder-oriented banks have outperformed private banks in Europe. This article draws on empirical research, banking theory and theories of the firm to explain this apparent anomaly for neo-liberal policy and contemporary market-based banking theory. The realization of competitive advantages by alternative banks (savings banks, cooperative banks and development banks has significant implications for conceptions of bank change, regulation and political economy.

Islamic Banks Service Innovation Quality: Conceptual Model

Directory of Open Access Journals (Sweden)

Tahreem Noor Khan

2016-07-01

Full Text Available Customer perspectives and satisfaction level are considered important for analysing the performance of Islamic bank service quality. Sufficient researches has been done to explore customer perception and satisfaction level with Islamic banking service quality, however there is lack of data to compare and find the similarity in understanding the main determinant attributes needed for Islamic banking service quality. The purpose of this paper is to describe and integrate the results of existing wealth of research on service quality in Islamic banks. After weighing up all the views from existing research, common findings, concerns will be discussed. This research did not find much of information or studies indicating toward innovation in Islamic banking service quality. Thus based on review of the literature this paper suggests main key attributes of service for Islamic banks (RIBA Service IQ. This research strongly asserts that sincere motivation, truthful intention, dynamic and practical service innovation of quality approaches can uplift Islamic financial brandDOI: 10.15408/aiq.v8i2.3161

KONSEP PENGATURAN PENJAMINAN SIMPANAN NASABAH PADA BANK SYARIAH

Directory of Open Access Journals (Sweden)

Danang Wahyu Muhammad

2016-01-01

Full Text Available Fund Guarantor Institution (LGI does not yet have Syariah scheme as a distinguishing feature of Sharia-based society fund guarantee. Meanwhile, the existing Government Regulation, that is PP No. 39 Year 2005 about Bank Customer Fund Guarantee based on Sharia Principles, is very simple so that it is not sufficient and does not cover Islamic Banks. Based on the background, the problem formulation in this research is “What is the concept of customer fund guarantee regulation like in Islamic Banks?” The objective of this research is to make a concept about customer fund guarantee regulation in Islamic Banks.The type of this research is juridical normative that is doctrinal, with law and conceptual approach method. As a doctrinal law research, this research will only review legal materials; primary legal materials, secondary legal materials, and non-legal materials. The analysis of this research uses prescriptive method.The conclusion of the research is that in Banking Operation Principles in Indonesia there are two types of banks; conventional and Islamic bank, where both types use different systems. As a consequence, in principle, the institution that guarantees the customer fund should be distinguished. This is based on some considerations :Islamic Banks proscribes bank interest, because of that they do not use bank interest mechanism in its operation, therefore the institution that guarantees its customer fund should not use bank interest mechanism.In its operational systems, Islamic Banks use covenants that have been determined according to Islamic Fiqh, so the institution that guarantees its customer fund should base its operation system to the covenant that is based on Islamic Fiqh. Islamic Banks are limited by what may be done and what may not be done based on Islamic Fiqh, determination, so the institution that guarantees its customer fund should base its operational on the same determination.Therefore, there will be a consistency

Reflexive Positioning in a Politically Sensitive Situation: Dealing with the Threats of Researching the West Bank Settler Experience

Science.gov (United States)

Possick, Chaya

2009-01-01

For the past 7 years, the author has conducted qualitative research projects revolving around the experiences of West Bank settlers. The political situation in Israel in general, and the West Bank in particular, has undergone rapid and dramatic political, military, and social changes during this period. In highly politically sensitive situations…

NRC/RSR Data Bank Program

International Nuclear Information System (INIS)

Bankert, S.F.; Evans, C.D.; Hardy, H.A.; Litteer, G.L.; Schulz, G.L.; Smith, N.C.

1978-01-01

The United States Nuclear Regulatory Commission (NRC) has established the NRC/Reactor Safety Research (RSR) Data Bank Program to provide a means of collecting, processing, and making available experimental data from the many domestic and foreign water reactor safety research programs. The NRC/RSR Data Bank Program collects qualified engineering data from experimental program data bases, stores the data in a single data bank in a common format, and makes the data available to users. The program is designed to be user oriented to minimize the effort required to obtain and manipulate data of interest. The data bank concept and structure embodied in the data bank processing system are applicable to any program where large quantities of scientific (numeric) data are generated and require compiling, storage, and accessing in order to be collected and made available to multiple users. 3 figures

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

Directory of Open Access Journals (Sweden)

Gatot Nazir Ahmad

2014-04-01

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

The Customers’ Determinant Factors of the Bank Selection

Directory of Open Access Journals (Sweden)

Umbas Krisnanto

2011-04-01

Full Text Available Some previous researchers are still arguing about the factors that determine the selection of a bank. These factors depend on the intensity of marketing activities undertaken by the bank, reputation of the bank, credit availability, friendly staffs, appropriate interest rates, and location. Jakarta was selected for the research location since Jakarta is the biggest city in Indonesia that represents the advancement of the banking industry. Different statistics tools are applied to find the accurate opinion why respondent choose a bank. Based on the results, the research concludes factors that determine in selecting a bank tend to be based on the secondary factors such as recommendation from friends, and advice from family members.

The Customers’ Determinant Factors of the Bank Selection

Directory of Open Access Journals (Sweden)

Umbas Krisnanto

2011-04-01

Full Text Available Some previous researchers are still arguing about the factors that determine the selection of a bank. These factors depend on the intensity of marketing activities undertaken by the bank, reputation of the bank, credit availability, friendly staffs, appropriate interest rates, and location. Jakarta was selected for the research location since Jakarta is the biggest city in Indonesia that represents the advancement of the banking industry. Different statistics tools are applied to find the accurate opinion why respondent choose a bank. Based on the results, the research concludes factors that determine in selecting a bank tend to be based on the secondary factors such as recommendation from friends, and advice from family members..

Analisis Faktor Kualitas Pelayanan di Bank Syariah (Studi Pada PT Bank Muamalat Indonesia

Directory of Open Access Journals (Sweden)

S. Suryani

2015-03-01

Full Text Available Factor Analysis on Services Quality in Islamic Bank (Study at PT Bank Muamalat Indonesia. The aim of this study is to determine and identify the factors forming quality of service in PT. Bank Muamalat Indonesia, Tbk Branch Medan. Instruments of research use questionnaires and factor analysis. This research is quantitative research using survey methods. The sample method that used in this research is accidental sampling. The reliability and validity test shown that 13 question had been fulfilled the reliability and validity requirements. From the extraction gives three factors. Factor 1 explained 45,299%, factor 2 explained 12,819%, and factor 3 explained 8,904%. The results show that quality of communication is dominant factor to explain service quality. Then product innovation and physical aspects  DOI:10.15408/aiq.v6i2.1233

Central Banks Exit Strategies in Theory and Practice. The Case of the Polish National Bank's Policy

Directory of Open Access Journals (Sweden)

Anna Szelągowska

2015-07-01

Full Text Available This paper makes an attempt in discussing the pros and cons of central banks exiting from unconventional monetary policy strategies. Having in mind the latest international economic research concerning the optimal entrance and exit strategies of the zero interest rate policy, it is worth discussing the results of the contemporary central banks in preserving the financial system and supporting the real economy. The main aim of this paper is the assessment of the Polish central bank's low rate interest rates policy effectiveness and to find out its influence on the economy. The following research problem is discussed: should central banks use the exit strategy from zero interest rates and if yes, why and when. This task requires to put forward the following research hypothesis: too late implementation of the cycle of low interest rates by the National Bank of Poland does not help improvement of the Polish economy situation.

Possibilities, challenges and solutions of marketing within internet bank

OpenAIRE

Rullis, Hermanis

2011-01-01

ANNOTATION Purpose of dissertation “Possibilities, challenges and solutions of marketing within internet bank” is to evaluate a role of internet bank in the bank marketing, to research adoption of internet banking among private customers and to provide suggestions to improve marketing within internet bank. First chapter of dissertation contains evaluation of internet bank’s role in the bank marketing. Second chapter contains research of internet banking adoption among private customers ...

The efficiency of bank branches

OpenAIRE

Omid Takbiri; Mohammad Mohammadi; Bahman Naderi

2015-01-01

Banking industry has significant contribution in development of economies of developing countries. Most banks execute their operations through different branches. Therefore it is important to measure the relative efficiencies of these branches. Data envelopment analysis (DEA) is one of the most useful tools in measuring banks’ performance. The present paper aims to extract ranking pattern of banks based on performance evaluation using DEA analysis. In the present research, 120 bank branches o...

ANALISIS TINGKAT KEJENUHAN BANK ISLAM DI INDONESIA

Directory of Open Access Journals (Sweden)

Meri Indri Hapsari

2015-07-01

Full Text Available The research conducted to find out the effect of the number of Islamic banking offices, finance to deposit ratio (FDR, and financing growth to the Islamic bank saturation level in Indonesia. The research used panel data analysis with fixed effect model (FEM as its best estimation model. The result of this research shows that number of Islamic banking offices, Financing Direct Ratio (FDR, and financing growth have a significant effect to the Islamic banking saturation simultaneously. Partially, only number of offices has a significant effect, but FDR and financing growth are not significant.

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

Directory of Open Access Journals (Sweden)

Sri Hastuti

2011-10-01

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

Software Organization in Student Data Banks for Research and Evaluation: Four Institutional Models.

Science.gov (United States)

Friedman, Charles P.

Student data banks for ongoing research and evaluation have been implemented by a number of professional schools. Institutions selecting software designs for the establishment of such systems are often faced with making their choice before all the possible uses of the system are determined. Making software design decisions involves "rational"…

Radiation sterilization of tissue allografts: Requirements for validation and routine control. A code of practice

International Nuclear Information System (INIS)

2007-12-01

These recommendations for the radiation sterilization of tissue allografts adopt the principles that the International Organization for Standardization (ISO) applies to the radiation sterilization of health care products. The approach has been adapted to take into account the special features associated with human tissues and the features that distinguish them from industrially produced sterile health care products. The approach as described here is not applicable if viral contamination is identified. Thus it is emphasized that the human donors of the tissues must be medically and serologically screened. To further support this screening it is recommended that autopsy reports be reviewed if available. This adaptation of established ISO methods can thus only be applied to sterilization of tissue allografts if the radiation sterilization described here is the terminal stage of a careful, detailed, documented sequence of procedures involving: donor selection; tissue retrieval; tissue banking general procedures; specific processing procedures; labelling; and distribution. The methods proposed here for the establishment of a sterilization dose are based on statistical approaches used for the sterilization of health care products and modified appropriately for the low numbers of tissue allograft samples typically available. This code of practice will be useful to tissue banking staff, surgeons using tissues for transplantation, regulators who oversee the safety of transplantation and radiation sterilization procedures, members of tissue banking associations, health service personnel in hospitals in which tissue transplantations are performed and inter-governmental organizations involved in transplantation issues, for example the World Health Organization. This publication was discussed extensively at an international meeting in Wrexham in the United Kingdom and was approved by the Technical Advisory Committee of the relevant IAEA project, which included the Chairpersons

Selection, processing and clinical application of muscle-skeletal tissue; Seleccion, Procesamiento y Aplicacion Clinica de Tejido Musculo-Esqueletico

Energy Technology Data Exchange (ETDEWEB)

Luna Z, D.; Reyes F, M.L.; Lavalley E, C.; Castaneda J, G. [ININ, Carretera Mexico-Toluca s/n, 52750 La Marquesa, Ocoyoacac, Estado de Mexico (Mexico)]. e-mail: dlz@nuclear.inin. mx

2007-07-01

Due to the increase in the average of the world population's life, people die each time to more age, this makes that the tissues of support of the human body, as those muscle-skeletal tissues, when increasing the individual's age go weakening, this in turn leads to the increment of the illnesses like the osteoporosis and the arthritis, that undoubtedly gives as a result more injure of the muscle-skeletal tissues joined a greater number of traffic accidents where particularly these tissues are affected, for that the demand of tissues muscle-skeletal for transplant every day will be bigger. The production of these tissues in the Bank of Radio sterilized Tissues, besides helping people to improve its quality of life saved foreign currencies because most of the muscle-skeletal tissues transplanted in Mexico are of import. The use of the irradiation to sterilize tissues for transplant has shown to be one of the best techniques with that purpose for what the International Atomic Energy Agency believes a Technical cooperation program to establish banks of tissues using the nuclear energy, helping mainly to countries in development. In this work the stages that follows the bank of radio sterilized tissues of the National Institute of Nuclear Research for the cadaverous donor's of muscle-skeletal tissue selection are described, as well as the processing and the clinical application of these tissues. (Author)

Data banks for recreation supply and participation

Science.gov (United States)

E. M. Avedon; S. L. J. Smith

1980-01-01

Data archives and data banks have become increasingly important as more researchers begin to examine trends. Characteristics of data banks, sources of bias in secondary data sources and important trends in data banks are described. The paper concludes with advice about using data banks.

The impact of the recent banking crisis on customer loyalty in the banking sector

DEFF Research Database (Denmark)

Skowron, Lukasz; Kristensen, Kai

2012-01-01

. The second part of the paper demonstrates statistical analysis of the obtained data from the Polish and European banking sector. The authors also present socio-demographic characteristic of the research samples and the character of the bank-client relations, comparative analysis of customer satisfaction...... and loyalty levels than clients of banks in Western Europe. Second, the recent banking crisis has affected the level of customer satisfaction much more strongly in developing European countries than in developed ones. Third, the recent banking crisis has changed the character of the process of building...... customer satisfaction and loyalty in Poland by strengthening the influence of the image area. Originality/value – Hardly anyone has tried to measure the influence of the banking crises at the level of customers’ satisfaction and the structure of the process of building long-term relations between banks...

Foreign bank entry, bank efficiency and market power in Central and Eastern European Countries

Czech Academy of Sciences Publication Activity Database

Poghosyan, T.; Poghosyan, Arsen

2010-01-01

Roč. 18, č. 3 (2010), s. 571-598 ISSN 0967-0750 Institutional research plan: CEZ:MSM0021620846 Keywords : foreign bank entry * bank efficiency * market power Subject RIV: AH - Economics Impact factor: 0.536, year: 2010

Translational Research in Pediatrics IV: Solid Tissue Collection and Processing.

Science.gov (United States)

Gillio-Meina, Carolina; Zielke, H Ronald; Fraser, Douglas D

2016-01-01

Solid tissues are critical for child-health research. Specimens are commonly obtained at the time of biopsy/surgery or postmortem. Research tissues can also be obtained at the time of organ retrieval for donation or from tissue that would otherwise have been discarded. Navigating the ethics of solid tissue collection from children is challenging, and optimal handling practices are imperative to maximize tissue quality. Fresh biopsy/surgical specimens can be affected by a variety of factors, including age, gender, BMI, relative humidity, freeze/thaw steps, and tissue fixation solutions. Postmortem tissues are also vulnerable to agonal factors, body storage temperature, and postmortem intervals. Nonoptimal tissue handling practices result in nucleotide degradation, decreased protein stability, artificial posttranslational protein modifications, and altered lipid concentrations. Tissue pH and tryptophan levels are 2 methods to judge the quality of solid tissue collected for research purposes; however, the RNA integrity number, together with analyses of housekeeping genes, is the new standard. A comprehensive clinical data set accompanying all tissue samples is imperative. In this review, we examined: the ethical standards relating to solid tissue procurement from children; potential sources of solid tissues; optimal practices for solid tissue processing, handling, and storage; and reliable markers of solid tissue quality. Copyright © 2016 by the American Academy of Pediatrics.

Banking Union- Present Stage and its Perspectives

Directory of Open Access Journals (Sweden)

Petre Prisecaru

2014-05-01

Full Text Available Banking Union is very important for financial stability of EU, for preventing any future crisis, for improving corporate governance in the banking sector, for completing the single market for financial services and for the strengthening of monetary union, for opening the way to fiscal union and to political union. There is not enough theoretical research in the field of banking union, but there are many recent contributions on behalf of foreign and Romanian experts and analysts, which refer mainly to the three components/pillars of EU banking union: a Single Supervision Mechanism (SSM, a Single Resolution Mechanism (SRM and an harmonized system of deposit guarantee schemes. Some micro studies and surveys carried out by prestigious institutions, like Deutsche Bank, Brookings Institution, CEPS have been run over and analyzed together with the positions and opinions of different European officials, and also with the content of EU secondary legislation. An empirical research was made with the aim to identify all essential aspects relating to EU banking union, which may concern the academics, researchers and business community. The paper is based on a previous research study coordinated by author and contains his own conclusions focused on the main arguments in favour of banking union.

Banco de ossos Bone bank

Directory of Open Access Journals (Sweden)

Paulo Gilberto Cimbalista de Alencar

2010-01-01

Full Text Available Bancos de ossos são necessários para prover material biológico para uma série de procedimentos ortopédicos. A crescente necessidade de tecidos musculoesqueléticos para transplante é decorrente do desenvolvimento de novas técnicas cirúrgicas e fez com que diversos serviços se dispusessem a ter sua própria fonte de tecidos para transplante. Para aumentar a segurança dos tecidos transplantados, normas foram impostas pelo governo para o funcionamento dos bancos, o que limitou o número de instituições autorizadas. O bom desempenho de um banco de ossos depende de um rígido controle de todas as etapas, passando pela formação de equipes bem treinadas para captação, pela seleção de doadores, pela realização de diversos exames nos tecidos captados e pelo controle rigoroso das técnicas de processamento utilizadas. A associação desses fatores faz com que a abrangência do uso e do número de pacientes receptores seja ampliada, a contaminação de tecidos seja de incidência estatisticamente desprezível e haja rastreabilidade entre doadores e receptores. Este trabalho descreve as considerações técnicas quanto ao funcionamento de um banco, uso de enxertos e aplicações ortopédicas, bem como aspectos éticos e principais obstáculos enfrentados.Bone banks are necessary to provide biological material for a series of orthopedic procedures. The growing need for musculoskeletal tissues for transplantation is due to the development of new surgical techniques, and has made it so that a variety of services were willing to have their own source of tissue for transplantation. To increase the safety of transplanted tissues, standards for the operation of banks were imposed by the government, which limited the number of authorized institutions. The good performance of a bone bank depends on strict control of all stages, from the formation of well-trained teams for capturing, for donor selection, for conducting various tests on the tissues

Understanding Indonesian People Borrowing Money from Banks and Non-Banking Institutions

Directory of Open Access Journals (Sweden)

Roro Hindun

2016-12-01

Full Text Available People’s borrowing behaviours are influenced by the need to fulfil their basic needs which always change in maintaining their lifestyles. This thesis analyzes the tendency of Indonesians to borrowing money, either from banks or non-banking institutions. This research was carried out using quantitative data analysis with secondary data from the Indonesian Family Life Survey panel data versions 3 and 4. The data was analyzed using STATA 12.0 software. The results of the study show that the significant factors that affect people’s behaviour in borrowing from either banks or non-banking institutions are amount of debt, assets, income, and location; while the insignificant factors are age, religion, and number of householders.   Keywords: money borrowing, borrowing behaviour, debt, IFLS, STATA

An empirical research on evaluating banks' credit assessment of corporate customers.

Science.gov (United States)

Tsai, Sang-Bing; Li, Guodong; Wu, Chia-Huei; Zheng, Yuxiang; Wang, Jiangtao

2016-01-01

Under the rapid change of the global financial environment, the risk control of the credit granting is viewed as the foremost task to each bank. With the impact one by one from financial crisis and European debt crisis, the steady bank business is also facing the severe challenge. Banks approve the credits for their customers and then make money from the interest. Credit granting is not only the primary job but also the main source of income. The quality of credit granting concerns not just the reclaims of creditor's rights; it also affects the successful running of banks. To enhance the reliability and usefulness of bank credit risk assessment, we first will delve in the facets and indexes in the bank credit risk assessment. Then, we will examine the different dimensions of cause-effect relationships and correlations in the assessment process. Finally, the study focuses on how to raise the functions and benefits of the bank credit risk assessment. In those five credit risk evaluation dimensions, A "optional capability" and D "competitiveness" are of high relation and high prominence among those dimensions, influencing other items obviously. By actively focusing on these two dimensions and improving their credit risk assessment ability will solve the foremost problems and also solve other facets of credit risk assessment problems at the same time.

TuBaFrost 5: multifunctional central database application for a European tumor bank.

Science.gov (United States)

Isabelle, M; Teodorovic, I; Morente, M M; Jaminé, D; Passioukov, A; Lejeune, S; Therasse, P; Dinjens, W N M; Oosterhuis, J W; Lam, K H; Oomen, M H A; Spatz, A; Ratcliffe, C; Knox, K; Mager, R; Kerr, D; Pezzella, F; van de Vijver, M; van Boven, H; Alonso, S; Kerjaschki, D; Pammer, J; Lopez-Guerrero, J A; Llombart Bosch, A; Carbone, A; Gloghini, A; van Veen, E-B; van Damme, B; Riegman, P H J

2006-12-01

Developing a tissue bank database has become more than just logically arranging data in tables combined with a search engine. Current demand for high quality samples and data, and the ever-changing legal and ethical regulations mean that the application must reflect TuBaFrost rules and protocols for the collection, exchange and use of tissue. To ensure continuation and extension of the TuBaFrost European tissue bank, the custodianship of the samples, and hence the decision over whether to issue samples to requestors, remains with the local collecting centre. The database application described in this article has been developed to facilitate this open structure virtual tissue bank model serving a large group. It encompasses many key tasks, without the requirement for personnel, hence minimising operational costs. The Internet-accessible database application enables search, selection and request submission for requestors, whereas collectors can upload and edit their collection. Communication between requestor and involved collectors is started with automatically generated e-mails.

[Tissue repositories for research at Sheba Medical Center(SMC].

Science.gov (United States)

Cohen, Yehudit; Barshack, Iris; Onn, Amir

2013-06-01

Cancer is the number one cause of death in both genders. Breakthroughs in the understanding of cancer biology, the identification of prognostic factors, and the development of new treatments are increasingly dependent on access to human cancer tissues with linked clinicopathological data. Access to human tumor samples and a large investment in translational research are needed to advance this research. The SMC tissue repositories provide researchers with biological materials, which are essential tools for cancer research. SMC tissue repositories for research aim to collect, document and preserve human biospecimens from patients with cancerous diseases. This is in order to provide the highest quality and well annotated biological biospecimens, used as essential tools to achieve the growing demands of scientific research needs. Such repositories are partners in acceLerating biomedical research and medical product development through clinical resources, in order to apply best options to the patients. Following Institutional Review Board approval and signing an Informed Consent Form, the tumor and tumor-free specimens are coLLected by a designated pathologist at the operating room only when there is a sufficient amount of the tumor, in excess of the routine needs. Blood samples are collected prior to the procedure. Other types of specimens collected include ascites fluid, pleural effusion, tissues for Optimal Cutting Temperature [OCT] and primary culture etc. Demographic, clinical, pathologicaL, and follow-up data are collected in a designated database. SMC has already established several organ or disease-specific tissue repositories within different departments. The foundation of tissue repositories requires the concentrated effort of a multidisciplinary team composed of paramedical, medical and scientific professionals. Research projects using these specimens facilitate the development of 'targeted therapy', accelerate basic research aimed at clarifying molecular

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

Directory of Open Access Journals (Sweden)

Ali Rezaeian

2018-03-01

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

Business Strategy and Perceived Benefits of Internet Banking: Their Impact on Banks' Strategic Responses to China's Entry to WTO

Institute of Scientific and Technical Information of China (English)

刘春红; 江静; 李杰

2003-01-01

With the entry to WRO and development of IT, banks in China are adjusting their competitive strategies to meet the competition. Internet banking has become a kind of strategic choice to response to the entry to WTO. Based on relevantly selective reviews of literature of strategy theory and research, a model is developed to study banks' strategic response to entry to WTO. According to a survey of 192 sets of questionnaires, this study finds that external pressure, business strategy and perceived benefits of Internet banking would influence banks' perceived increase in Internet banking investment. And banks'perceived increase in Internet banking investment has no difference between big banks and small banks.

Bank Risk Profile, Good Corporate Governance And Company Values in Banking Companies Go Public in Indonesia

OpenAIRE

Susi Retna Cahyaningtyas; Elin Erlina Sasanti; Wahidatul Husnaini

2017-01-01

The latest Bank Indonesia Regulation No.14/18/PBI/2012 requires bank to have minimum capital of 8%-14% depends on the risk profile of each bank. Therefore, the main objective of this research is to assess whether the total of inherent risk profile of each bank meets the terms of this regulation. In addition, this study aims to examine the impact of inherent risk profile and GCG on the banking company value. The sample in this study is determined by purposive sampling method and resulted in 24...

Process of Internationalization in Islamic Banking: The Case of Serbia

Directory of Open Access Journals (Sweden)

Aida Hanić

2017-12-01

Full Text Available Islamic banks are financial institutions operating in accordance with religious Islamic law (Sharia. Although it is familiar as non interest banking, because the interest is forbidden, Islamic banking represents a complete set of moral and ethical activities that must be taken into account when making investment decisions and financing business activities. Share of Islamic banking in Islamic finance is around 80% with the value of approximately $ 1.57 trillion by the end of 2015 (IFSI Stability Report 2016. Islamic banking in Western Balkan is present only in Bosnia and Herzegovina (B&H that has one Islamic bank, Bosna Bank International (BBI established in 2000. Serbia, as a country that has attracted many Arab investors, doesn’t have any Islamic bank operating in the country. The aim of this research is to explore is there a public interest in Islamic banking, especially among the commercial banks in Serbia and are there possibilities for development of Islamic banking in this country. To explore these two main questions, author conducted a research by using a questionnaire among the chairmen and members of the administrative Board of 12 commercial banks in Serbia. The result of the research show that commercial banks in Serbia are not interested in this type of a banking activity. On the other hand they are also not sufficiently familiar with the concept of Islamic banking. The research showed that process of internationalization of Islamic banking is not present in Serbia.

An investigation on loyalty formation model in e-banking customers: A case study of banking industry

OpenAIRE

Mahmood Reza Esmaeili; Amir Hooshang Nazarpoori; Masumeh Najafi

2013-01-01

E-banking plays an important role on increasing customer satisfaction and helps industry grow faster. Most banks try to retain their customers by introducing more electronic services to facilitate banking transactions. Creating loyalty through providing better banking services is a new area of research. In fact, e-loyalty can be directly impacted by e-satisfaction, e-trust, and indirectly influenced by e-services, perceived value, reputation, and habit. Therefore, the present paper deals with...

Walnut tissue culture: research and field applications

Science.gov (United States)

2004-01-01

Vitrotech Biotecnologia Vegetal began researching propagating Juglans regia (English walnut) and various Juglans hybrids by tissue culture in 1993 and has operated on a commercial scale since 1996. Since this time, more than one and a half million walnuts of different species have been propagated and field planted. Tissue cultured...

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

Experimental research on stability of covering blocks for sloping banks

International Nuclear Information System (INIS)

Okuno, Toshihiko

1988-01-01

In the case of constructing thermal and nuclear power stations facing open seas, usually the harbors for unloading fuel and others are constructed. In Japan, breakwaters are installed in the places of relatively shallow depth less than 20 m, and in such case, the sloping banks having the covering material of wave-controlling blocks made of concrete are mostly adopted as those are excellent in their function and economical efficiency, and are advantageous in the maintenance and management. Sloping banks are of such type that wave-controlling blocks cover the vertical front face of nonpermeating caissons, and the same type was adopted for breakwaters and others in Onagawa Nuclear Power Station, Tohoku Electric Power Co., Inc. As for the wave-controlling blocks, tetrapods and shake blocks were used. One of the most important problems in the design of sloping banks is how to estimate the stability of wave controlling blocks. In this paper, the results of the examination by hydraulic model experiment on the stability of covering blocks are reported, which are useful as the basic data for the rational and economical design of sloping banks. The experimental setup and a model bank, the generation of experimental waves and their characteristics, the experimental conditions and experimental method, and the results are reported. (Kako, I.)

E-banking services impact and customer satisfaction in selected bank branches in Ibadan metropolis, Oyo state, Nigeria

Directory of Open Access Journals (Sweden)

Haadi Babatunde Asiyanbi

2018-09-01

Full Text Available This study perused the impact of E-banking services on customer satisfaction of selected bank customers in bank branches located in Challenge, Dugbe, Agbeni, Gbagi, Ojoo, and Secretariat districts in Ibadan metropolis. The study employed a cross-sectional survey design and convenience sampling technique. One hundred (100 bank customers were surveyed through a self-report questionnaire. Four research questions and two hypotheses were tested using Pearson correlation analysis and, t-test for independence at p≤ 0.05. The results revealed high utilization of electronic banking products (ATM (98%, internet banking (85%, electronic transfer (97%. Constraints experienced include internet network failure, bank fraud and business loss due to failed e-transactions. Customers were satisfied with e-banking due to its cashless nature, cash accessibility, saves time from bank visitation and seamless transactions. The study exhibited that customers used and were glad with e-banking products. Customers’ segmentation and more investment in e-banking infrastructure were advised for promoting electronic banking services.

Bank Units. Assessment and Development Tendencies

Directory of Open Access Journals (Sweden)

Adam Szafarczyk

2008-01-01

Full Text Available There are new trends in development banking sector especially concerning branches. The e-banking has diminished impact the old fashion branches as main tool finance activity. Now we have units (departments localised at supermarkets and in other strange places. Due to some researches mortgages and insurance polices ought to be sold in traditional branches according to clients preferences. Lafferty Agency researched quality of banking service condition in the UK. Base on this methodology similar case studies were done in Poland.

Ethics in the bank internet encounter

DEFF Research Database (Denmark)

Rendtorff, Jacob Dahl; Mattsson, Jan

2012-01-01

/implications – The important implication for managerial research of this study would be for banks to focus on customer competency with an ethical concern instead of only being concerned with technical solutions for effective internet operations. Practical implications – Since more and more businesses are digitally based......Purpose – The purpose of this paper is to discuss some ethical issues in the internet encounter between customer and bank. Empirical data related to the difficulties that customers have when they deal with the bank through internet technology and electronic banking. The authors discuss...... the difficulties that customers expressed from an ethical standpoint. Design/methodology/approach – The key problem of the paper is “how does research handle the user's lack of competence in a web-based commercial environment?” The authors illustrate this ethical dilemma with data from a Danish Bank collected...

USA NRC/RSR Data Bank System and Reactor Safety Research Data Repository (RSRDR)

International Nuclear Information System (INIS)

Maskewitz, B.F.; Bankert, S.F.

1979-01-01

The United States Nuclear Regulatory Commission (NRC), through its Division of Reactor Safety Research (RSR) of the Office of Nuclear Regulatory Research, has established the NRC/RSR Data Bank Program to collect, process, and make available data from the many domestic and foreign water reactor safety research programs. An increasing number of requests for data and/or calculations generated by NRC Contractors led to the initiation of the program which allows timely and direct access to water reactor safety data in a manner most useful to the user. The program consists of three main elements: data sources, service organizations, and a data repository

Customer Developing In Using the Islamic Banking Product at Bank Syariah Mandiri Tbk, Tegal Branch

Directory of Open Access Journals (Sweden)

Makmur Sujarwo

2017-06-01

Full Text Available This research is aimed to find out the influences of perception, attitude, motivation, religiousness and learning towards the customer's decision in choosing the islamic banking product. This research sample is the customer's Bank Syariah Mandiri Tegal. The total samples are 105 people from Tegal, Tegal Regency and Brebes Regency. The respondent's answers towards closed questions related to the studied variable in this research, then were analyzed by using double linear regression test, while the answers to the opened questions were analyzed qualitatively. The analysis result showed that the motivation and learning variables give positive and significant affect towards the customer's decision in choosing islamic banking product. Meanwhile, the perception, attitude, and religiousness variables do not give any affect towards the customer's decision.

Penerapan Dan Pengelolaan Manajemen Resiko (Risk Dalam Industri Perbankan Syariah: Studi Pada Bank BUMN dan Bank Non BUMN

Directory of Open Access Journals (Sweden)

tasriani tasriani

2016-08-01

Full Text Available This study used a qualitative research method that is research that aims to build a preposition and explain the meaning behind the social reality that happened. This research is digging deeper into the application of Islamic banking risk management at the Bank of SOEs and non-SOEs Bank. The focus of the studies in this research are: Practice implementation and governance of risk management, risk management practices carried out by Islamic banking has been able to reduce the risk of loss, and compliance with Islamic law (principle / principle of Islamic transactions.The results showed that banks in Indonesia have entered into the era of integrated risk management (integrated management and risk-based supervision (risk based supervision. All products are issued by Bank Sharia SOEs and non-SOEs supervised by the Financial Services Authority (FSA and Sharia Supervisory Board (DPS in accordance with the functions and authority of each institution. The application of risk mitigation is happening in Islamic banking there is a risk that originated from internal employees or company caused by itself and external customers. The most highest risk of murabahah financing. The principle in Islamic transactions to the principles of fraternity, justice, welfare, balance and universality has been applied. Risk mitigation financing is done on fiduciary risk as the risk that is legally responsible for breach of contract investments of incompatibility with the provisions of sharia or mismanagement (mismanagement to the investor funds.

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

Sources of Regional Banks Capitalization

Directory of Open Access Journals (Sweden)

Olga Sergeevna Miroshnichenko

2018-03-01

Full Text Available Searching of sources to increase the capitalization of Russian banks is an important economic problem for both the national and regional economy. Moreover, a strong capital base allows to credit institutions to meet the demands of economic agents for banking service. The research focuses on the choice of sources of regulatory capital for the banks of Tyumen region in the context of changing supervisory requirements in the period of 2005–2016, in different phases of the business cycle. We apply econometric methods of statistical information using IBM SPSS Statistics software. We have calculated the individual correlations of regional banks’ capital with gross domestic product (GDP (excluding gross regional product (GRP and GRP (with the exception of the effect of GDP. These calculations have shown that the capital of regional banks is related only to GDP. The increase in the capital of regional banks is accompanied by a change in its structure: the share of authorized capital has halved, and the share of subordinated debt has grown. All sources of capital, other than the reserve fund, are related to GDP. Authorized capital is associated with the profit of profitable lending institutions; retained earnings in the capital of regional banks — with the aggregated amount of risks of the banking system of the Russian Federation. Subordinated debt, like capital as a whole, is negatively affected by the profitability of the banking sector. The change in the capital of regional banks is determined by the change in retained earnings, subordinated debt and reserve fund. Modelling of these relations has allowed to obtain a system of equations. This system synthesizes linear regression models of changing the capital of regional banks in the context of their sourcing. The results of this study are significant for theoretical justification and practical development of a balanced financial policy of regional banks. Our research will contribute to

DISCRIMINANT ANALYSIS OF BANK PROFITABILITY LEVELS

Directory of Open Access Journals (Sweden)

Ante Rozga

2013-02-01

Full Text Available Discriminant analysis has been employed in this paper in order to identify and explain key features of bank profitability levels. Bank profitability is set up in the form of two categorical variables: profit or loss recorded and above or below average return on equity. Predictor variables are selected from various groups of financial indicators usually included in the empirical work on microeconomic determinants of bank profitability. The data from the Croatian banking sector is analyzed using the Enter method. General recommendations for a more profitable business of banking found in the bank management literature and existing empirical framework such as rationalization of overhead costs, asset growth, increase of non-interest income by expanding scale and scope of financial products proved to be important for classification of banks in different profitability levels. A higher market share may bring additional advantages. Classification results, canonical correlation and Wilks’ Lambda test confirm statistical significance of research results. Altogether, discriminant analysis turns out to be a suitable statistical method for solving presented research problem and moving forward from the bankruptcy, credit rating or default issues in finance.

Penerapan Metode SERVQUAL pada Bank X

Directory of Open Access Journals (Sweden)

Nilda Tri Putri

2016-04-01

Full Text Available The banking sector had become industrial which keeps growing. Competition requires each bank competing to attract many customers in many ways both in terms of products, technologies, and services. Marketing Research Indonesia (MRI performs measurements of the services quality of the banking. X Bank occupies the fifth position in terms of service quality. X Bank need to do repair service constantly to improve customer loyalty. The method used was servqual consisting of five dimensions. Based on gap between perception and expectations known priority on X Bank. Repair service with the main priority is customer service quickly. A long customer service cause long queue at customer service and teller. Typically, most clients come at the beginning of the month. However, a large number of customer that are not anticipated by the number of teller and customer service. Customer satisfaction level of this attribute only 68,09%. That means the banks need to make improvements such as by adding the number of teller and customer service at a particular time and organizing shift work teller and customer service more effectively. Keywords : service quality, gap, Marketing Research Indonesia.

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.

NRC/RSR data bank program

International Nuclear Information System (INIS)

Bankert, S.F.; Evans, C.D.; Hardy, H.A.; Litteer, G.L.; Schulz, G.L.; Smith, N.C.

1978-01-01

The United States Nuclear Regulatory Commission (NRC) has established at the Idaho National Engineering Laboratory (INEL) the NRC/Reactor Safety Research (RSR) Data Bank Program. The program is under the direction of EG and G Idaho, Inc., and is intended to provide the means of collecting, processing, and making available experimental data from the many water reactor safety research programs. The NRC/RSR Data Bank Program collects qualified engineering data on a prioritized basis from experimental program data bases, stores the data in a single data bank in a common format, and makes the data available to users. The NRC/RSR Data Bank specializes in water reactor safety experimental data, but it has a number of other scientific applications where large amounts of numeric data are or will be available. As an example of size, a single water reactor safety test may generate 10 million data words. Future examples of the use of a data bank might be in gathering data on low head hydraulics, solar projects, and liquid metal reactor safety data

Islamic Social Reporting in Islamic Banking: Stakeholders Theory Perspective

Directory of Open Access Journals (Sweden)

Meutia Inten

2017-01-01

Full Text Available This research aims to compare the level of Corporate Social Responsibility disclosure on Islamic banking in Indonesia and Malaysia. Using data from annual report in seven public Islamic banks in Indonesia and seven public Islamic banks in Malaysia, this research find that the level ISR of Islamic banking in Indonesia are better than the level ISR of Islamic banking in Malaysia. There were significant differences between the two groups were observed with respect to the all theme of reporting.

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...

Customer Relationship Management dan Pengaruhnya Terhadap Loyalitas Nasabah Bank: Studi Pada Bank Muamalat Indonesia

Directory of Open Access Journals (Sweden)

M Nur Rianto Al Arif

2016-01-01

Full Text Available Customer Relationship Management and Its Influence on customer loyalty Bank: A Case Study of Bank Muamalat Indonesia. The aim of this research is to analyze the influence of customer relationship management (CRM to customer’s loyalty. Data collection is using primary and secondary data. The sampling method that used on this research is accidental sampling with 100 respondents. The analysis method on this research is multiple regressions. The CRM variables that used on this research are identify, acquire, retain, develop, and sustainable marketing. From the result, show that the CRM variable had an impact simultaneously on customer’s loyalty. Otherwise, only three variables had an impact on customer’s loyalty, such as acquire activity, retain, and sustainable marketing. There are also show that only acquire variable had an dominant influence on customer’s loyalty in Bank Muamalat Indonesia branch Slipi-Jakarta, because it has the largest coefficient value.DOI: 10.15408/ess.v5i1.2332

Introductory user's manual for the US Nuclear Regulatory Commission Reactor Safety Research Data Bank. Revision 3

International Nuclear Information System (INIS)

Hardy, H.A.; Laats, E.T.

1985-03-01

The United States Nuclear Regulatory Commission (USNRC) has established the NRC/Division of Accident Evaluation (DAE) Data Bank Program to collect, store, and make available data from the many domestic and foreign water reactor safety research programs. Local direction of the program is provided by EG and G Idaho, Inc., prime contractor for the Department of Energy (DOE) at the Idaho National Engineering Laboratory (INEL). The NRC/DAE Data Bank Program provides a central computer storage mechanism and access software for data to be used by code development and assessment groups in meeting the code correlation needs of the nuclear industry. The administrative portion of the program provides data entry, documentation, training, and advisory services to users and the USNRC. The NRC/DAE Data Bank and the capabilities of the data access software are described in this document

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...

Eradication of HIV from Tissue Reservoirs: Challenges for the Cure.

Science.gov (United States)

Rose, Rebecca; Nolan, David J; Maidji, Ekaterina; Stoddart, Cheryl A; Singer, Elyse J; Lamers, Susanna L; McGrath, Michael S

2018-01-01

The persistence of HIV infection, even after lengthy and successful combined antiretroviral therapy (cART), has precluded an effective cure. The anatomical locations and biological mechanisms through which the viral population is maintained remain unknown. Much research has focused nearly exclusively on circulating resting T cells as the predominant source of persistent HIV, a strategy with limited success in developing an effective cure strategy. In this study, we review research supporting the importance of anatomical tissues and other immune cells for HIV maintenance and expansion, including the central nervous system, lymph nodes, and macrophages. We present accumulated research that clearly demonstrates the limitations of using blood-derived cells as a proxy for tissue reservoirs and sanctuaries throughout the body. We cite recent studies that have successfully used deep-sequencing strategies to uncover the complexity of HIV infection and the ability of the virus to evolve despite undetectable plasma viral loads. Finally, we suggest new strategies and highlight the importance of tissue banks for future research.

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

Directory of Open Access Journals (Sweden)

Pison F. Irene

2014-06-01

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

Contribution of Macroprudensial Policy of Central Bank On Microprudensial Islamic Banking

Directory of Open Access Journals (Sweden)

Riduwan Riduwan

2018-03-01

Full Text Available The purpose of this research will be to answer the contribution of the macroprudential policy of Central Bank to the microprudential of islamic banking during the period of January 2008 - February 2016. The method used by quantitative analysis with panel data regression to be able to describe macroprudential policy contribution to FDR of islamic banking in Indonesia. Macroprudential policy instruments use Loan-to-Value Ratio (LTR, Statutory Reserves (GWM based on Loan-to-Funding Ratio (LFR and Countercyclical Capital Buffer (CCB. The islamic bankingmicroprudential instrument used is Financing to Deposit Ratio (FDR. The result shows that macroprudential policy contribution through LTV instrument to FDR has negative and significant influence. Statutory Reserves based on LFR on FDR have a positive and significant influence and CCB on FDR of Indonesia’s islamic banking shows negative and significant influence.

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

Regulation of “Banking Group” In Russia in Banking Mergers and Acquisitions in the Modern Conditions

Directory of Open Access Journals (Sweden)

Nikita V. Gurin

2016-01-01

Full Text Available The article says about the specific regulation of banking groups in Russia and applicability of the category in corporate structuring M&A practices. Relevancy and importance of the research are based on increasing attention of the regulatory authorities to the disclosure of grounds and means of establishing a control over groups of entities and, controlling of expenses of funding from the budget of the State Corporation "Deposit Insurance Agency", the Central Bank of the Russian Federation. The article discusses the definitions banking group", "banking holding", "group of entities", "group of entities connected to a credit institution", consolidated "banking group" and applicability of the definitions to filing of the group statements, the use of the banks' (banking group indicators, the applicability of these data to the efficient allocation of resources and the rehabilitation of the Russian banking system. This paper analyzes the current regulations, the author refers to the indicator maximum risk associated with the credit institution a person (a group associated with the credit institution officials, as well as a new version of the indicator maximum amount of loans, bank guarantees and sureties issued by a credit institution (banking group to its members (shareholders and the procedure for calculating them, which come into force from January 1,2016. At the end of the article the author suggests possible options to improve current regulations. The urgency of the problems mentioned is confirmed by cases from practice, which point to the problems identified. The novelty of the work lies in the complex economic and legal approach to risk management to ensure information transparency of banks in the performance of the duty of notification (approval of transactions with the Central Bank of the Russian Federation and the disclosure and reporting its performance. This approach acknowledges the practical importance of the conclusions. Based on the

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...

The Role Of Customer Delight And Brand Trust Toward Customer Loyalty A Study At Bank Acehthat Has Been Converted Into Islamic Bank

Directory of Open Access Journals (Sweden)

Yusniar

2017-07-01

Full Text Available This research focused on PT. Bank ACEH that has been converted into Islamic bank which has an emphasis on Customer loyalty as the most expected result from a research on consumer behavior. For the company customer loyalty can be achieved through Customer Delight. There were 350 three hundred and fifty respondents as the sample of this research. The selection of bank customers was conducted in branch offices with a consideration that there are more varied banking transactions conducted in branch offices than in the sub-branch cash and unit offices. Given that the number of customers in each branch office is not similar therefore the researcher used proportioned stratified random sampling to determine the number of respondents. The factor of brand trust has a role as a partial mediating variable between Customer Delight and customer loyalty of PT. Bank Aceh

Revitalisasi Pengelolaan Bank Sampah Di Palabuhanratu

Directory of Open Access Journals (Sweden)

Budi Prasetyo Samadikun

2017-11-01

about 70 km from Palabuhanratu Village. The existing waste bank’s performance is still very poor, because one waste bank can only serve one RW and can not serve the entire village. In addition, the processing of organic waste to be compost has not been done simultaneously by the whole community, due to the lack of people's knowledge. The purpose of this research is to know the existing condition of waste management and to formulate the revitalization of existing waste bank. The research used survey research method by using questionaire, in depth interview, and observation. Analytical technique using quantitative and qualitative analysis. The findings shows that the residents of Palabuhanratu Village who often do waste sorting from the source only from the residents of RT 01 RW 33. In addition, the number of existing temporary disposal site (TDS in Palabuhanratu Village is still lacking, so it requires addition up to 5 units that integrated with waste bank in this village. Keywords: revitalization; waste bank, Palabuhanratu

[Cornea bank of Lyon: from quality diagnosis to ISO 9001 certification].

Science.gov (United States)

Pascal, P; Chalochet, A; Damour, O

2001-12-01

The tissue and cell bank of the HCL (Hospices Civils de Lyon) has, since 10 June 1999, consisted of two sections with related activities: cell culture for the Skin Substitutes Laboratory (Laboratoire des Substituts Cutanés, LSC) and preservation of corneas at 31 degrees C for the Cornea Bank. As the LSC had been ISO 9001 certified since March 1997 our aim, since merger, was to raise the Cornea Bank to the same level of quality as the LSC, so as to coincide with the renewal of the LSC certificate in February 2000. The methods we used (project, quality control, analysis and process optimization) led us to receive official certification only nine months after the merger. The procedure started with a program of quality control at the Cornea Bank from February 1999 onwards, in order to list the work and equipment required, evaluate its documentation system and what was needed to incorporate this new activity into the existing system of quality assurance at the LSC. On the 7th March 2000, the Tissue and Cell Bank of the HCL obtained an ISO 9001 certificate for its combined functions. As well as achieving our objectives and the strong points highlighted by the auditor during the renewal process, this quality assessment revealed many advantages: improvements in the conservation of corneas, economies in staff replacement and reductions in both the cost of maintaining quality, the cost of the corneas themselves, etc. The decree 'Banque' no. 99-741 of 30th August 1999, which put in place the system of authorization of tissue banks in France, demands quality control. Our application for certification which started in early 1999 had anticipated this regulation. This helped us enormously when compiling the dossier accompanying the official request and was an essential element in obtaining the favourable response of the ASSAPS on 21 June 2000.

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

Directory of Open Access Journals (Sweden)

Hooman Pourmohammad

2016-07-01

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

Controversies in hybrid banking: attitudes of Swiss public umbilical cord blood donors toward private and public banking.

Science.gov (United States)

Manegold, Gwendolin; Meyer-Monard, Sandrine; Tichelli, André; Granado, Christina; Hösli, Irene; Troeger, Carolyn

2011-07-01

Umbilical cord blood (UCB) stored in public inventories has become an alternative stem cell source for allogeneic stem cell transplantation. The potential use of autologous UCB from private banks is a matter of debate. In the face of the limited resources of public inventories, a discussion on "hybrid" public and private UCB banking has evolved. We aimed to explore the attitudes of the donating parents toward public and private UCB banking. A standardized, anonymous questionnaire was sent to the most recent 621 public UCB donors including items regarding satisfaction with recruitment process, the need for a second consent before release of the UCB unit for stem cell transplantation, and the donors' views on public and private UCB banking. Furthermore, we asked about their views on UCB research. Of the questionnaires, 48% were returned, and 16% were lost due to mail contact. Of our donors, 95% would donate to the public bank again. As much as 35% of them were convinced that public banking was useful. Whereas 27% had never heard about private UCB banking, 34% discussed both options. Nearly 70% of donors opted for public banking due to altruism and the high costs of private banking. Of our public UCB donors, 81% stated that they did not need a re-consent before UCB release for stem cell transplantation. In case of sample rejection, 53.5% wanted to know details about the particular research project. A total of 9% would not consent. Almost all donors would choose public banking again due to altruism and the high costs of private banking. Shortly after donation, mail contact with former UCB donors was difficult. This might be a relevant issue in any sequential hybrid banking.

SEGMENTASI LAYANAN INTERNET BANKING

Directory of Open Access Journals (Sweden)

Ellen Theresia Sihotang

2017-04-01

Full Text Available The purpose of this study is to analyze internet banking�s users based on their experiences. It can be used to set marketing program of internet banking that appropriate with customers needs, in order to anticipate tight competition. This research methods starts with focus group discussion and clustering analysis to classify 312 respondents of internet banking users based on demographic, benefit and behavioral segmentation. The sampling method uses purposive sampling and snowball sampling. K-Means Clustering method�s produces four optimal clusters. The benefit orientation of the first cluster in on time saving. Second cluster, concern on the ease of getting and operating internet banking so this cluster does not need auxiliary features such as video guide to use internet banking. The third cluster�s orientation is on the modern lifestyle and the ease of getting and operating internet banking service with detailed daily mutation transaction The fourth cluster, concerns on the detailed daily mutation transaction but they are not sure with the security of personal data via internet banking. �

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

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

Directory of Open Access Journals (Sweden)

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

Improving Soil Seed Bank Management.

Science.gov (United States)

Haring, Steven C; Flessner, Michael L

2018-05-08

Problems associated with simplified weed management motivate efforts for diversification. Integrated weed management uses fundamentals of weed biology and applied ecology to provide a framework for diversified weed management programs; the soil seed bank comprises a necessary part of this framework. By targeting seeds, growers can inhibit the propagule pressure on which annual weeds depend for agricultural invasion. Some current management practices affect weed seed banks, such as crop rotation and tillage, but these tools are often used without specific intention to manage weed seeds. Difficulties quantifying the weed seed bank, understanding seed bank phenology, and linking seed banks to emerged weed communities challenge existing soil seed bank management practices. Improved seed bank quantification methods could include DNA profiling of the soil seed bank, mark and recapture, or 3D LIDAR mapping. Successful and sustainable soil seed bank management must constrain functionally diverse and changing weed communities. Harvest weed seed controls represent a step forward, but over-reliance on this singular technique could make it short-lived. Researchers must explore tools inspired by other pest management disciplines, such as gene drives or habitat modification for predatory organisms. Future weed seed bank management will combine multiple complementary practices that enhance diverse agroecosystems. This article is protected by copyright. All rights reserved.

Factors Determining Bank Competitive Strategy: An Empirical Study on Local Development Banks (LDBS in Indonesia

Directory of Open Access Journals (Sweden)

Ahmad IRFAN

2017-12-01

Full Text Available Many studies have been investigating determinants of the company's competitive strategy. Nevertheless, there have insufficient studies conducted to investigate the determinants of competitive strategy on banking industry, particularly on Local development banks (LDBS. This study is aimed at filling in the literature. This study surveyed top executives of twenty-six local development banks in Indonesia and employed PLS approach to answer the research questions. The result shows that three groups of variables, i.e., innovation management, company resource management, and adoption of technology influence the development of competitive strategy in local development banks.

Critical Financial Analysis of Islamic Bank in the Philippines: Case Study of Amanah Islamic Bank

Directory of Open Access Journals (Sweden)

Hasmiene Diocolano Ibrahim

2018-01-01

Full Text Available The inspiration to delve into the contemporary status of Islamic banking and finance in the Philippines has led this study to analyze the financial condition of Amanah Islamic Bank (AIB and recommend improvements in its financial performance. This secondary databased study utilizes library research and content analysis, particularly using the capital, asset, management, earnings, and liquidity parameters. AIB is the rebranded version of Al-Amanah Islamic Investment Bank of the Philippines. At present, AIB has nine branches and is the only authorized bank in the Philippines to offer Islamic banking products and services. Presidential Decree No. 542, which was signed in 1974, directed the AIB to implement an Islamic model of banking and financing, particularly following the “no interest principle” and partnership mechanisms. However, this order was not completely implemented because “conventional banking” dominated the AIB’s operation. This study contributes to the continuing effort to convert AIB into a full-fledged Islamic bank and simultaneously contend with the emerging growth of the banking industry.

Relations between organizational commitment and demographic factors: a research in banking sector

Directory of Open Access Journals (Sweden)

Nizamettin Dogar

2014-07-01

Full Text Available Aim of this research is to answer if organizational commitment changes according to demografic factors. Inputs gained from 200 person sample group from banking sector. According to the analysis it is found that affective and continuance commitment increases with age and job experience, and all componenets of commitment increase according to time in the last job. With the results derived from analysis, research’s support to organizational theory is discussed and some advices put forward.

Komparasi Efisiensi Teknis Bank Umum Konvensional (BUK dan Bank Umum Syariah (BUS di Indonesia Dengan Metode Data Envelopment Analysis (DEA

Directory of Open Access Journals (Sweden)

Abdul Wahab

2015-03-01

Full Text Available The Comparation of Technical Efficiency Between Conventional Banks and Islamic Banks in Indonesia Using DEA MethodThis research is to compare the levels of technical efficiency between BUK and BUS by employing non-parametric Data Envelopment Analysis (DEA. This research assigns Third Party Funds, Labor Expenses and Fixed Assets which are input variable, meanwhile Total Credit and Other Incomes are determined as Output Variables. This research also examines the Profitability of BUK and BUS by Using Panel Regression Model with CAR, LDR, NPL and BOPO as independent variables, where ROA and ROE are dependent variables. The result showed that the average technical efficiency of the Conventional Banks is better than that of the Islamic Banks. That is because of the inefficient utilization of Input Variables, namely Third Party Funds, Labor Expenses and Fixed Assets in the Islamic Banks  DOI:10.15408/aiq.v6i2.1229

76 FR 10671 - Assessments, Large Bank Pricing

Science.gov (United States)

2011-02-25

... 327 Assessments, Large Bank Pricing; Final Rule #0;#0;Federal Register / Vol. 76 , No. 38 / Friday... Part 327 RIN 3064-AD66 Assessments, Large Bank Pricing AGENCY: Federal Deposit Insurance Corporation..., (202) 898-6796; Lisa Ryu, Chief, Large Bank Pricing Section, Division of Insurance and Research, (202...

Waste Bank Revitalization in Palabuhanratu West Java

Science.gov (United States)

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

2018-02-01

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

Urgensi Pengaturangreen Banking dalam Kredit Perbankan di Indonesia

OpenAIRE

Radyati, Ajeng

2014-01-01

Urgency Green Banking credit arrangements that provide legal certainty in Indonesia. This paper aims to assess the urgency of the credit arrangement green banking in the Indonesian banking law in order to provide legal certainty in Indonesia. This paper is based on research that uses a normative approach and the conceptual approach of the statute approach. The results showed that Bank Indonesia as bank supervisors need to issue rules that are forced to socialize on green banking arrangements ...

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

Directory of Open Access Journals (Sweden)

Siti Aisjah

2015-09-01

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

Foreign Banking in Ukraine: Development Trends and Ownership Structure Regulation

Directory of Open Access Journals (Sweden)

Serhij Reverchuk

2015-10-01

Full Text Available The purpose of the article is to research the theoretical and practical aspects of foreign participation ownership structure of banks in Ukraine; to analyze the tendencies and challenges of structure regulation of bank ownership; to provide recommendations related to the role of enhancing the transparency of banking business. This research was conducted by way of review of the data on bank ownership and the regulation of the ownership structure of the banking sector in Ukraine.

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.

Bank Risk Profile, Good Corporate Governance And Company Values in Banking Companies Go Public in Indonesia

Directory of Open Access Journals (Sweden)

Susi Retna Cahyaningtyas

2017-06-01

Full Text Available The latest Bank Indonesia Regulation No.14/18/PBI/2012 requires bank to have minimum capital of 8%-14% depends on the risk profile of each bank. Therefore, the main objective of this research is to assess whether the total of inherent risk profile of each bank meets the terms of this regulation. In addition, this study aims to examine the impact of inherent risk profile and GCG on the banking company value. The sample in this study is determined by purposive sampling method and resulted in 24 banks or 72 observations during 2011-2013. The results showed that 23 banks had low risk and low to moderate risk, and only one bank had moderate risk. The results also showed that inherent risk profile rating is equivalent to capital adequacy. In other words, inherent risk profile of these banks have complied with Bank Indonesia Regulation No.14/18/PBI/2012. Furthermore, this study indicated that GCG has significant and positive influence on the company value, while the inherent risk has no influence on the company value. Overall, this study suggest that go public banks in Indonesia are one of good alternative means of investment for its soundness as reflected by the fulfillment of minimum capital ratio required by the regulator.

SYNERGY OF INFORMATION COMMUNICATION TECHNOLOGIES AND THE BANKING SYSTEM IN THE FUNCTIONING OF SUCCESSFUL BANKING OPERATIONS

Directory of Open Access Journals (Sweden)

Dario Kovačević

2017-01-01

Full Text Available Nowadays, modern banking cannot function without information and communications technology; hence banks heavily invest in the implementation of technology currently present on the market. Every aspect of the banking business includes information and communications technology, which points to the necessity of building an infrastructure for modern banking. Investing in development and implementation of new technologies simplifies everyday business activities and security, in addition to creating a competitive edge over rival businesses. It ensures fast and efficient customer service delivery by providing support to the distribution channels, as well as supporting bankers with making crucial decisions. The aim of this paper is to analyse trends in the use of information and communications technologies in the banking system, using publicly available business data, documentation and online bank information, as well as previously published findings of other researchers. Using the example of one of the largest banks in the Republic of Croatia, the possibilities provided by information and communications technology in the banking business sector are illustrated. Additionally, better economic efficiency and effectiveness, as well as the means of contemporary bank functioning are presented. Special attention is devoted to the security of ICT systems used in Internet Banking and the protection of banking service users’ data.

Determinants of user acceptance of internet banking: An empirical study

Directory of Open Access Journals (Sweden)

Hessam Zandhessami

2014-07-01

Full Text Available The boom of Internet usage and the significant funding dynamism in electronic banking have attracted the attention of researchers towards Internet banking. In the past, the traditional focus of Internet banking research has been on technological development, but it is now switching to user-focused research. This paper presents an empirical investigation to determine determinants of user acceptance of internet banking. The proposed study uses Decision-Making Trial and Evaluation Laboratory (DEMATEL technique to measure the relationships between different factors in a case study of Iranian firm. The results indicate that trust is the most important factor for development of internet banking.

Earnings and bank profitability in Nigeria

Directory of Open Access Journals (Sweden)

John N. N. Ugoani

2016-12-01

Full Text Available Bank earnings in form of retained profit help in the capital formation of banks. This is critical because capital inadequacy is often a cause of bank failures. During the banking crisis in Nigeria the gross earnings of many banks diminished considerably due to frauds and bad management. For example, in 2009 the Central Bank of Nigeria revoked the operating licences of fourteen banks which had huge nonperforming loans and were making losses. The fragility in the Nigerian banking system in the 1990s and beyond was compounded due to wide spread poor corporate governance practices and imprudent lending that led to the erosion of gross earnings and profitability. The study employed the exploratory research design. Data analyses were done through description statistics and the regression technique using the statistical package for the social sciences. The regression result was Y = 4.926 + 1.877x meaning that with an increase of 1 percent in gross earnings bank profitability increases by 1.88 percent. This is the crux of the study.

Seabird tissue archival and monitoring project: Protocol for collecting and banking seabird eggs

Science.gov (United States)

Weston-York, Geoff; Porter, Barbara J.; Pugh, Rebecca S.; Roseneau, David G.; Simac, Kristin S.; Becker, Paul R.; Thorsteinson, Lyman K.; Wise, Stephen A.

2001-01-01

Archiving biological and environmental samples for retrospective analysis is a major component of systematic environmental monitoring. The long-term storage of carefully selected, representative samples in an environmental specimen bank is an important complement to the real-time monitoring of the environment. These archived samples permit:The use of subsequently developed innovative analytical technology that was not available at the time the samples were archived, for clear state-of-art identification an~ quantification of analytes of interest,The identification and quantification of analytes that are of subsequent interest but that were not of interest at the time the samples were archived, andThe comparison of present and past analytical techniques and values, providing continued credibility of past analytical values, and allowing flexibility in environmental monitoring programs.Seabirds, including albatrosses, pelicans, cormorants, terns, kittiwakes, murres, guillemots, and puffins spend most of their lives at sea and have special adaptations for feeding in the marine environment, including the ability to excrete the excess salt obtained from ingesting seawater. Many species nest in dense groups (colonies) on steep, precipitous sea-cliffs and headlands.Seabirds are long-lived and slow to mature. They occupy high positions in the marine food web and are considered sensitive indicators for the marine environment (prey includes krill, small fish, and squid). Breeding success, timing of nesting, diets, and survival rates may provide early indications of changing environmental conditions (e.g., see Hatch et aI., 1993). Chemical analysis of seabird tissues, including egg contents, can be particularly useful in determining whether contaminants (and potential biological effects) associated with human industrial activities, such as offshore petroleum and mineral exploration and development, are accumulating in marine environments. The collection and archival of seabird

Factors affecting the Adoption of Online Banking in Ghana: Implications for Bank Managers

Directory of Open Access Journals (Sweden)

Perkins Ed-Zilla Daniel

2013-07-01

Full Text Available Internet usage in Ghana is on the increase and all indications points to the direction of the possibility of its application on online banking to be successful. However, online banking adoption that will lead to a cashless economy is facing doubts. This paper aimed at critically examining the factors that influence the adoption of online banking in Ghana. The study was based on TAM (Technology Acceptance Model, which has been used expansively in similar studies, a descriptive cross-sectional mixed-methodology approach was used. To generalize the findings the researchers used a multi case study approach to help find out the factors that influence online banking adoption. Data was analysed by using multiple Regression Analysis in SPSS to generate ANOVA results. The results showed that the original constructs of TAM i.e. Perceived Usefulness (PU, Perceived Ease of Use (PEOU as well as the extensions of government support, trust and security were all significant to customers’ intensions to adopt online banking. An implication for bank Managers is that they should concentrate on the promotion and advancement of the priceless paybacks that are gained from ‘Intended and Unintended Benefits’ such as lower transaction fees, high deposit rates among others which are realized from the usage online of banking linked to Perceived Usefulness

PENGARUH LEVEL OF ASSURANCE, REPUTASI KANTOR AKUNTAN PUBLIK, STRUKTUR MODAL CALON DEBITUR, DAN UKURAN BANK TERHADAP KEPUTUSAN PEMBERIAN KREDIT BANK DI INDONESIA

Directory of Open Access Journals (Sweden)

Elisa Tjondro

2007-01-01

Full Text Available This research intends to know the influence of the level of assurance, CPA firm's reputation, aspirant debitor's capital structure and bank size on bank loan decisions. The applied regression technique used to solve this problem are Chi-square test, Friedman test and Regression with the help of software SPSS 10th version. This research's results proved that the aspirant debitor's capital structure and bank size have influence on bank lending decisions, while level of assurance and CPA firm's reputation proved of no influence on bank lending decisions. From these two variables, aspirant debitor's capital structure has the highest impact on bank loan decisions in Indonesia. Abstract in Bahasa Indonesia : Penelitian ini bertujuan untuk mengetahui apakah level of assurance, reputasi kantor akuntan publik, struktur modal calon debitur, dan ukuran bank mempengaruhi keputusan pemberian kredit oleh bank. Teknik analisis yang digunakan untuk memecahkan masalah tersebut adalah Chi-square test, Friedman test, dan Regresi dengan memakai alat bantu software SPSS versi 10.0. Penelitian ini membuktikan bahwa struktur modal calon debitur dan ukuran bank berpengaruh terhadap keputusan pemberian kredit bank, sedangkan variabel level of assurance dan reputasi kantor akuntan publik terbukti tidak mempengaruhi keputusan pemberian kredit bank. Dari kedua variabel tersebut, struktur modal adalah variabel yang memiliki tingkat pengaruh paling tinggi terhadap keputusan pemberian kredit bank di Indonesia. Kata kunci: level of assurance, keputusan pemberian kredit bank.

Corporate governance and control in Russian banks

OpenAIRE

Vernikov, Andrei

2007-01-01

The Working Paper examines peculiarities of the Russian model of corporate governance and control in the banking sector. The study relies upon theoretical as well as applied research of corporate governance in Russian commercial banks featuring different forms of ownership. We focus on real interests of all stakeholders, namely bank and stock market regulators, bank owners, investors, top managers and other insiders. The Anglo-American concept of corporate governance, based on agency theor...

The prioritization of open innovation determinants in banking

Directory of Open Access Journals (Sweden)

Tornjanski Vesna

2015-01-01

Full Text Available The research scope of the paper is prioritization of open innovation determinants in banking industry using an integrated application of qualitative and quantitative methods in the evaluation process. The research methods were implemented to compound the depth of experts' knowledge and experience on the one hand, and the precise mathematical reasoning, on the other, thus creating the objective and accurate basis for effective decision making. The overview of determinants of open innovations in banking industry has been obtained from the literature overview and the Delphi study conducted among 51 experts from banks in Serbia. Fifteen significant determinants within five dimensions were further evaluated through AHP decision-making method to prioritize them toward the development of the open innovation in banking. The research results show that effective application of open innovation in banking lies in formal reinforcement by management to integrate innovation into organizational policies and in designing dual structures that facilitate the initiation and implementation of an innovation, i.e. building an ambidextrous organization. The research findings and results introduced in this paper can be usefully applied and widely used by both academics and practitioners who are interested in applying the open innovation concept in banking industry.

Current issue of tissue banking in Thailand

International Nuclear Information System (INIS)

Yongyudh Vajaradul

1999-01-01

The Bangkok Biomaterial Center processes bone and tissue allografts and services for clinical use as following; orthopaedic surgery, neurosurgery, head and neck surgery, plastic surgery, ophthalmological surgery, ENT surgery and maxillo-facial surgery. A total of 1,575 patients were surgically treated, most of them (1,118 cases) were cases in orthopaedic surgery. There were 330 cases of massive bone allografts for bone loss, benign bone tumor and bone malignancy. 755 cases of freeze dried bone allograft for bone defect filling, bone loss. Twenty eight cases of freeze dried soft tissue allograft, 3 cases of fresh soft tissue and 2 cases of bone substitute. Innovation of deep frozen trachea allograft was initiated in the center in 1997. The tracheas were harvested from cadavers under aseptic condition, irradiated at dose of 25 kGy and stored at -70 degree C. These tracheas allografts were used in ENT surgery for subglottic-tracheal stenosis patients. In 1998 the center started a new project by autoclave the positive test of HIV, HCV and HBV and keep at -70 degree C for clinical use

Human tissue models in cancer research: looking beyond the mouse.

Science.gov (United States)

Jackson, Samuel J; Thomas, Gareth J

2017-08-01

Mouse models, including patient-derived xenograft mice, are widely used to address questions in cancer research. However, there are documented flaws in these models that can result in the misrepresentation of human tumour biology and limit the suitability of the model for translational research. A coordinated effort to promote the more widespread development and use of 'non-animal human tissue' models could provide a clinically relevant platform for many cancer studies, maximising the opportunities presented by human tissue resources such as biobanks. A number of key factors limit the wide adoption of non-animal human tissue models in cancer research, including deficiencies in the infrastructure and the technical tools required to collect, transport, store and maintain human tissue for lab use. Another obstacle is the long-standing cultural reliance on animal models, which can make researchers resistant to change, often because of concerns about historical data compatibility and losing ground in a competitive environment while new approaches are embedded in lab practice. There are a wide range of initiatives that aim to address these issues by facilitating data sharing and promoting collaborations between organisations and researchers who work with human tissue. The importance of coordinating biobanks and introducing quality standards is gaining momentum. There is an exciting opportunity to transform cancer drug discovery by optimising the use of human tissue and reducing the reliance on potentially less predictive animal models. © 2017. Published by The Company of Biologists Ltd.

Public involvement in pharmacogenomics research: a national survey on public attitudes towards pharmacogenomics research and the willingness to donate DNA samples to a DNA bank in Japan.

Science.gov (United States)

Kobayashi, Eriko; Satoh, Nobunori

2009-11-01

To assess the attitudes of the Japanese general public towards pharmacogenomics research and a DNA bank for identifying genomic markers associated with ADRs and their willingness to donate DNA samples, we conducted a national survey for 1,103 Japanese adults from the general public, not a patient population. The response rate was 36.8%. The majority of the respondents showed a positive attitude towards pharmacogenomics research (81.0%) and a DNA bank (70.4%). Considering fictitious clinical situations such as taking medications and experiencing ADRs, the willingness to donate DNA samples when experiencing ADRs (61.7%) was higher than when taking medications (45.3%). Older generations were significantly associated with a decreased willingness to donate (OR = 0.45, CI 0.28-0.72 in 50s. OR = 0.49, CI: 0.31-0.77 in 60s). Positive attitudes towards pharmacogenomics research, a DNA bank, blood/bone marrow/organ donation were significantly associated with an increased willingness. However, the respondents had the following concerns regarding a DNA bank: the confidentiality of their personal information, the manner by which research results were utilized and simply the use of their own DNA for research. In order to attain public understanding to overcome these concerns, a process of public awareness should be put into place to emphasize the beneficial aspects of identifying genomic markers associated with ADRs and to address these concerns raised in our study. Further study is needed to assess the willingness of actual patients taking medications in real situations, since the respondents in our study were from the general public, not a patient population, and their willingness was assessed on the condition of assuming that they were patients taking medications.

A portable device for measuring donor corneal transparency in eye banks.

Science.gov (United States)

Parekh, Mohit; Ferrari, Stefano; Ruzza, Alessandro; Pugliese, Mariarosaria; Ponzin, Diego; Salvalaio, Gianni

2014-03-01

To develop a portable device for measuring the donor corneal transparency and validate its efficacy for corneal evaluation in the eye-banks and for research. The transparency device (TD) has a light source, a detachable system for corneal insertion and a base for light transmission. The probe detects the transmitted light which is measured by a lux-meter. A contact lens was set as 'control' to reduce the light scattering concern, an empty petri-plate as 'blank' and the cornea as 'sample'. Two experts and non-experts (masked) observed the corneas for subjective analysis which was then compared using the TD. The parameters observed were scars, foreign-body, stromal-deformities, folds, thickness and opacity which were then converted to a relative overall percentage by the observer. Twenty corneas were evaluated for correlation, five tissues to obtain standard-deviation and twenty-four pairs for a comparative study. Experts mimicked the eye-banks with long-term experience while non-experts mimicked the emerging eye-banks. Subjective values by the experts closely resembled the measurements by TD. The average correlation between the experts and the non-experts to TD was 0.985 and 0.960 respectively. TD showed higher reproducibility than experts followed by the non-experts. The comparative study showed that increase in thickness reduces the transparency. TD is portable, easy, efficient, maintains sterility and less expensive hence the emerging eye-banks and researchers can use to raise their standards and evaluate the transparency for in vitro tests and comparative studies. The suitable transparency for the cornea deemed for clinical applications was found to be >75 %.

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...

CULTURE TRANSFORMATION: LESSONS FROM BANK MANDIRI AND BANK BRI

Directory of Open Access Journals (Sweden)

Mahmuddin Yasin

2014-11-01

Full Text Available This research aims at exploring organizational culture in state owned enterprises; Bank Mandiri and Bank BRI, and its contribution to financial performance, before and after restructuring/initial public offering (IPO. The research used qualitative approach with case study method that used coupled with exploratory and descriptive design, supported by successive approximation of technical data analysis. Eight propositions were raised from the findings regarding: (1 integration human resources planning with corporate plan, (2 skill development accommodating individual, organizational and business needs, (3 effective strategy aligned with appropriate system and proper business orientation, (4 suitable organizational structure with internal and external business environment, (5 system development oriented to customer satisfaction, (6 proper style of leadership that affects organizational culture and financial performance, (7 implementation of organizational culture in increasing corporate performance, and (8 consistency in socializing and implementing corporate culture.

PENGARUH KARAKTERISTIK DEWAN DIREKSI TERHADAP PENGUKURAN KINERJA BANK DI INDONESIA

Directory of Open Access Journals (Sweden)

Susy Muchtar

2009-09-01

Full Text Available The purpose of this research is to analyse the effect of Characteristics of The Board of towar Directors s Bank Performance. This research was used are 19 banking firm which listed in Indonesian Stock Exchange during 2005-2008. Independent variables from this research are board size and Outside Director. Dependent variables are bank performance which include Net Interest Margin (NIM, Return On Asset (ROA, Return On Equity(ROE and Efficiency Ratio. Control Variables are Size, Risk and Capital Ratio. The analysis method was used are multiple regression analysis. The result from this research shows that Board Size did not has related to bank performance. Outsiders has related to bank performance. Keywords: Board Size, Outside Director, Net Interest Margin (NIM, Return On Asset (ROA, Return On Equity(ROE and Efficiency Ratio

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 ...

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.

INDEPENDENT COMMISSIONER, INSTITUTIONAL OWNERSHIP AND FINANCIAL DISTRESS BANKS IN INDONESIA

Directory of Open Access Journals (Sweden)

Isnalita Isnalita

2013-11-01

Full Text Available This research aim to determine the effect of independent commissioner and institutional ownershipto financial distress banks in Indonesia. The existence of the banking crisis occurred in 1997/1998resulted the collapse of public confidence in banking industry. In 2008, the scale, pattern, anda different scope, we face the reality that seems similar to the condition of the banks in the endof 1997. Financial distress experienced is not only caused by external factors stemming fromthe bank but also can be caused by internal factors. On the other hand, the financial distress inthe banking sector can be caused by governance are not good in running the bank’s operations.This study used a quantitative approach. The unit of analysis is the banks in Indonesia with dataobtained from directory of Bank Indonesia in 2008-2009. The research sampling techniques use saturated sampling or census. Research design use multiple logistic regression with the cross section. The result from this study indicated that independent commissioners and institutionalownership cannot prevent the financial distress in 2008 and 2009.

The RCSB Protein Data Bank: new resources for research and education.

Science.gov (United States)

Rose, Peter W; Bi, Chunxiao; Bluhm, Wolfgang F; Christie, Cole H; Dimitropoulos, Dimitris; Dutta, Shuchismita; Green, Rachel K; Goodsell, David S; Prlic, Andreas; Quesada, Martha; Quinn, Gregory B; Ramos, Alexander G; Westbrook, John D; Young, Jasmine; Zardecki, Christine; Berman, Helen M; Bourne, Philip E

2013-01-01

The Research Collaboratory for Structural Bioinformatics Protein Data Bank (RCSB PDB) develops tools and resources that provide a structural view of biology for research and education. The RCSB PDB web site (http://www.rcsb.org) uses the curated 3D macromolecular data contained in the PDB archive to offer unique methods to access, report and visualize data. Recent activities have focused on improving methods for simple and complex searches of PDB data, creating specialized access to chemical component data and providing domain-based structural alignments. New educational resources are offered at the PDB-101 educational view of the main web site such as Author Profiles that display a researcher's PDB entries in a timeline. To promote different kinds of access to the RCSB PDB, Web Services have been expanded, and an RCSB PDB Mobile application for the iPhone/iPad has been released. These improvements enable new opportunities for analyzing and understanding structure data.

Critical Assessment of Banking Institutions in South Africa

Directory of Open Access Journals (Sweden)

Bakam Fotso

2017-04-01

Full Text Available Banks play an important role in a country’s economy through investments, deposits and withdrawals. Many banking products are sold to clients to meet their financial needs and obligations. Their performances are therefore very critical in supporting socio economic development. Financial institutions still facing challenges linked to the lack of financial previsions through the use of financial tool that allows preventing financial distress. Banks are not always well-managed because managers lack capacity and the sound knowledge in dealing effectively with the analysis of risk and return and decision-making. The current study highlights and gives orientations on key performance indicators that bank can use to manage their financial conditions in advance in a sustainable manner. The major objective of this research is to critically assess the South African banks performance using Financial Ratio Analysis (FRAand descriptive statistics through comparative financial statement analysis form 2010 to 2013 between“ the big four” South African banks. In using correlational analysis, the study aim to establish the link between exogenous and endogenous variables of bank performance. The results showed that FirstRand bank was the best achiever with a higher level of performance following by Standard bank, then Absa and Nedbank. Furthermore, it appears that there is a strong relationship between bank performance and bank size because the volume of assets represents the bigger source of bank incomes. This study opens door to further study including both large and small banks and a comparative analysis between two research methods. The paper is divided into five major sections.

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.

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…

Empirical determinants of consumers' uptake of electronic banking ...

African Journals Online (AJOL)

electronic banking and non-electronic banking in Nigeria. The research uses .... 2015 as a result of a drop in the megawatts as stated above. This is a ..... [14] Bryman, A. and Bell, E. (2007) Business research methods, 2nd ed. Oxford: Oxford.

Research Experiences in Teacher Preparation: Effectiveness of the Green Bank preservice teacher enhancement program

Science.gov (United States)

Hemler, Debra A.

1997-11-01

The purpose of this study was to examine the effectiveness of the preservice teacher component of the Research Experiences in Teacher Preparation (RETP) project aimed at enhancing teacher perceptions of the nature of science, science research, and science teaching. Data was collected for three preservice teacher groups during the three phases of the program: (I) a one week institute held at the National Radio Astronomy Observatory in Green Bank, West Virginia where teachers performed astronomy research using a 40 foot diameter radio telescope; (II) a secondary science methods course; and (III) student teaching placements. Four Likert-type instruments were developed and administered pre and post-institute to assess changes in perceptions of science, attitudes toward research, concerns about implementing research in the classroom, and evaluation of the institute. Instruments were re-administered following the methods course and student teaching. Observations of classroom students conducting research were completed for seven preservice teacher participants in their student teaching placements. Analysis, using t-tests, showed a significant increase in preservice teachers perceptions of their ability to do research. Preservice teachers were not concerned about implementing research in their placements. No significant change was measured in their understanding of the nature of science and science teaching. Concept maps demonstrated a significant increase in radio astronomy content knowledge. Participants responded that the value of institute components, quality of the research elements, and preparation for implementing research in the classroom were "good" to "excellent". Following the methods course (Phase II) no significant change in their understanding of the nature of science or concerns about implementing projects in the classroom were measured. Of the 7 preservice teachers who were observed implementing research projects, 5 projects were consistent with the Green

FINANCING TO DEPOSIT RATIO (FDR SEBAGAI SALAH SATU PENILAIAN KESEHATAN BANK UMUM SYARIAH (Study Kasus Pada Bank BJB Syariah Cabang Serang

Directory of Open Access Journals (Sweden)

DIDIN RASYIDIN

2016-03-01

Full Text Available Abstract. Study on Assessment the Commercial Islamic Bank by Financing to Deposit Ratio (FDR at BJB Syariah Serang. Islamic bank is a bank that operates without relying on interest. Islamic banks can also be interpreted as financial institutions/ banks operations and products are developed based on the Quran and Hadith. Antonio and Perwataatmadja distinguish two senses, namely the Islamic banks and banks operating with Islamic Shari'a principles. Islamic Bank is a bank that operates with Islamic Shari'a and an ordinance operating refers to the provisions of the Qur'an and hadith. The purpose of this study is to determine how percentage and how does the calculation of Financing to Deposit Ratio of Bank Jawa Barat Syariah at the end of 2013. The method used in this research is descriptive cualitative method. Qualitative research method is a method to investigate an object that can not be measured by numbers or other sizes that are exact. The conclusion of the study is the Financing to Deposit Ratio (FDR at Bank BJB Syariah is 104.28%. This means that banks liquidity ability to anticipate the needs of liquidity and liquidity risk management is weak is ranked fourth composite Abstrak. Financing to Deposit Ratio (FDR Sebagai Salah Satu Penilaian Kesehatan Bank Umum Syariah (Study Kasus Pada Bank BJB Syariah Cabang Serang. Bank syariah adalah bank yang beroperasi tanpa mengandalkan bunga. bank syariah juga dapat diartikan sebagai lembaga keuangan yang operasional dan produknya dikembangkan berdasarkan Al-Quran dan Hadis. Antonio dan Perwataatmadja membedakan dua pengertian, yaitu bank syariah dan bank yang beroperasi dengan prinsip syariat Islam. Bank syariah adalah bank yang beroperasi dengan syariat dan tata cara Islam yang mengacu pada ketentuan Al-Qur'an dan hadits. Tujuan dari penelitian ini adalah untuk menentukan bagaimana persentase dan bagaimana perhitungan Financing to Deposit Ratio Bank Jawa Barat Syariah pada akhir 2013. Metode yang

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...

Monitoring the Quality of Services in Electronic Banking

Directory of Open Access Journals (Sweden)

Jovovic Radislav

2016-09-01

Full Text Available Successful development of electronic banking is in direct correlation with the quality of services in electronic banking. Therefore, it is necessary that the banks are familiar with the attributes of electronic services on which clients assess the bank’s quality and client’s satisfaction with them, in order to be able to monitor, correct and improve the performance of electronic banking. We start from the hypothesis that there are already developed theoretical models for measuring the quality of e-banking services but they must be adjusted to the specific environment that is analysed in order to obtain reliable and quality information. The qualitative and quantitative research methods are applied in this paper in order to a get adjusted theoretical model (instrument for measuring the quality of electronic banking services. As a result of the conducted analysis, the initial theoretical model has been modified, so that the final version of the model (instrument for measuring quality of online banking allows obtaining reliable data, and information in the particular environment. And the results are: significant information about the quality of e-banking, modified theoretical model, information about the dimensions of quality of e-banking, customer satisfaction, and pathways and guidelines for the improvement of e-banking. The measuring of quality of electronic banking services in not one time activity but repeated one, as permanent monitoring strategy. This research is widely applicable even though it was conducted in the context of Montenegrin e-banking, since most of the banks in Montenegro are owned by well-known European banks, and it is expected that the obtained knowledge and information can be generalized.

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

Pengelolaan Bank Sampah di Kota Probolinggo

Directory of Open Access Journals (Sweden)

Prisa Ambar Shentika

2016-03-01

Full Text Available A programme of reducing garbage leads the community, government, and corporate field to attentively limit the trash heap, recycling, and reusing garbage through the efficient and well-regulated efforts commonly called 3R Reduce, Reuse, Recycle. Probolinggo is the town in which developing regulate a policy of management garbage with Waste Bank by 3R concepts. This research aims to find out the management and role of Waste Bank in Probolinggo. It is conducted by using qualitative descriptive research method. Data collection is obtained by using direct observation and interview to resource. The result shows that 3R concepts used by waste bank in Probolinggo is carried out fairly well in working along with society particularly in sorting the garbage. Therefore, aware of environmental issues is not on government but society will cooperatively in role to protect environment. Waste bank is economically good for society beside environmentally worthwhile.

Bank Value: Comparing Customer and Employee Perceptions

Directory of Open Access Journals (Sweden)

Jelena Titko

2012-06-01

Full Text Available In the modern competitive environment, banks create the value generally using the relational capital. Thus, customer satisfaction and loyalty are the main components of bank success in a market. In turn, customer satisfaction is affected by bank service quality that determines bank’s value perceived by clients. The main goal of the research is to determine factors affecting bank value perceived by customers to examine the gaps in customers’ and employees’ perceptions of these factors. The goal of the paper is to prepare a theoretical basis for the survey and to describe and theoretically validate the design of the research instrument. To achieve the goal the brief literature review was conducted in the fields of relationship value management, service quality and customer buying behaviour. The statements of the questionnaire were developed based on Kotler’s concept of a customer perceived value and different variations of the SERVQUAL model. To purify the developed questionnaires, the authors conducted focus group interview. We believe that bank performance depends directly on the bank’s ability to capture and retain clients and on customer-employee relationships. Thus, it is crucial to know factors affecting customer perceived bank value. Using our developed instrument it is possible to measure the level of service quality in Latvian banks and to examine the difference between customers’ and employees’ viewpoints on the quality of bank services.

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.

Cord Blood Banking for Potential Future Transplantation.

Science.gov (United States)

Shearer, William T; Lubin, Bertram H; Cairo, Mitchell S; Notarangelo, Luigi D

2017-11-01

This policy statement is intended to provide information to guide pediatricians, obstetricians, and other medical specialists and health care providers in responding to parents' questions about cord blood donation and banking as well as the types (public versus private) and quality of cord blood banks. Cord blood is an excellent source of stem cells for hematopoietic stem cell transplantation in children with some fatal diseases. Cord blood transplantation offers another method of definitive therapy for infants, children, and adults with certain hematologic malignancies, hemoglobinopathies, severe forms of T-lymphocyte and other immunodeficiencies, and metabolic diseases. The development of universal screening for severe immunodeficiency assay in a growing number of states is likely to increase the number of cord blood transplants. Both public and private cord blood banks worldwide hold hundreds of thousands of cord blood units designated for the treatment of fatal or debilitating illnesses. The procurement, characterization, and cryopreservation of cord blood is free for families who choose public banking. However, the family cost for private banking is significant and not covered by insurance, and the unit may never be used. Quality-assessment reviews by several national and international accrediting bodies show private cord blood banks to be underused for treatment, less regulated for quality control, and more expensive for the family than public cord blood banks. There is an unquestionable need to study the use of cord blood banking to make new and important alternative means of reconstituting the hematopoietic blood system in patients with malignancies and blood disorders and possibly regenerating tissue systems in the future. Recommendations regarding appropriate ethical and operational standards (including informed consent policies, financial disclosures, and conflict-of-interest policies) are provided for physicians, institutions, and organizations that

NRC/RSR Data Bank Program

International Nuclear Information System (INIS)

Bankert, S.F.; Evans, C.D.; Hardy, H.A.; Litteer, G.L.; Schulz, G.L.; Smith, N.C.

1978-01-01

The United States Nuclear Regulatory Commission (NRC) has established the NRC/Reactor Safety Research (RSR) Data Bank Program at the Idaho National Engineering Laboratory (INEL). The program provides the means of collecting, storing, and making available experimental data from the many water reactor safety research programs in the United States and other countries. The program collects qualified engineering data on a prioritized basis from experimental program data bases, stores the data in a single data bank in a common format, and makes the data available to users

What Bulgarian Banks offer via Internet: an Overview

OpenAIRE

Bojidar Bojinov

2003-01-01

The new information technologies adoption and e-commerce emergence change the role of financial intermediaries in new E-conomy. During the last years, the bank started an expansion to the web – they offer broad range of traditional bank products and services via Internet. The remote banking become one of the main channels for bank services distribution. The Internet expansion of the Bulgarian banks is at its beginning. The showed results are based on the Internet research, which has aimed to ...

Membangun Customer Loyalty Nasabah Bank melalui Customer Satisfaction

OpenAIRE

Sumarto, Sumarto

2007-01-01

In the relation between bank and its customer, the bank should to capable to fulfill need and satisfy through services and create the value to the customer. So in the compete situation, to give customer satisfaction is main duty of bank in order that the customer loyal permanently. The customer satisfaction is primary cause for building customer loyalty. More and more loyal customer to the bank, that's indicate the service superiority of its bank. Base description above this research purpose...

The Effect of Capital Adequacy on Banks' Performance: Evidence ...

African Journals Online (AJOL)

Journal of Business Research ... This study estimates the effect of capital adequacy on bank earnings and profitability in Nigeria. ... regulatory framework in the management liquidity and bank capital to shore-up bank performance in Nigeria.

IMPACT OF USER IT AND INTERNET SKILLS ON ONLINE BANKING,INPUT TO INNOVATIVE BANKING STRATEGIES

Directory of Open Access Journals (Sweden)

Syed Shan e Raza

2011-01-01

Full Text Available Online-banking is now widely being introduced by banks. This Strategic move issupported by aim to reduce branch/resources costs and offer more convenience tothe consumers. Alongside users are becoming more frequent in IT /internet day-by-day. This provides good match to the success ofOnline-banking.Employee’s skills and user’s skills were also considered by scholars to see theeffect on adoption of online banking. Author has found that these user skills werenot standardized. Author tried to fill this gap byusing Eurostat classification ofskills in terms of user’s Computer and internet skills [Appendix. 1]. The objectiveof this study is threefold, thus understanding theuser perception about fear ofonline theft/misuse, Complexity and effect on individual’s efficiency by usingonline banking.A questionnaire has been sent to users and resultsthus verified 02 of 03hypothesis. Despite higher level of skills and experience, users have concernswith the security and complexity of the method. Theresults are analyzed in asimple graphical fashion in order to provide quickunderstanding to the reader.Concluding, despite certain limitations, this studygives value to the literature andopens new research horizons for online banking strategies. It provides a commoncriterion for understanding user skills and their perceptions about theapplication/usability of online banking using EU classification. Consequentlycounter actions can be taken by the banks to satisfy users concerns and improvethe structure of online banking.

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 ...

MODEL IKATAN HUBUNGAN, NILAI PELANGGAN TERHADAP LOYALITAS NASABAH PADA BANK PEMERINTAH DI JAWA TENGAN

OpenAIRE

Naili Farida

2017-01-01

The study discussed about the integration of relational bonding, relational quality,on service quality and customer loyalty at the state-owned bank in Central Java. The loca-tions of research included Semarang City, Surakarta City, and Cilacap City. Research methodused multi stage sampling. The sample of research counted 278 customers of Regular Savingfrom Bank Negara Indonesia (BNI), Bank Mandiri, Bank Rakyat Indonesia, Bank TabunganNegara, and Bank Pembangunan Central of Java. The hypothesi...

Model Ikatan Hubungan, Nilai Pelanggan Terhadap Loyalitas Nasabah Pada Bank Pemerintah Di Jawa Tengan

OpenAIRE

Farida, Naili

2010-01-01

The study discussed about the integration of relational bonding, relational quality,on service quality and customer loyalty at the state-owned bank in Central Java. The loca-tions of research included Semarang City, Surakarta City, and Cilacap City. Research methodused multi stage sampling. The sample of research counted 278 customers of Regular Savingfrom Bank Negara Indonesia (BNI), Bank Mandiri, Bank Rakyat Indonesia, Bank TabunganNegara, and Bank Pembangunan Central of Java. The hypothesi...

Bank customers’ satisfaction, customers’ loyalty and additional purchases of banking products and services. A case study from the Czech Republic

OpenAIRE

Chochoľáková, Anna; Gabčová, Lenka; Belás, Jaroslav; Sipko, Juraj

2015-01-01

The aim of this article was to examine and quantify 1) the dependence of additional purchases of banking products from customer loyalty and 2) dependence of bank clients’ loyalty from their satisfaction with the bank’s customer service. The respondents from our research in 2014 were divided into satisfied (loyal) and dissatisfied (disloyal) banking clients. Their attitudes in the area of loyalty and additional purchases of banking products were compared. Differences in attitudes were examined...

12 CFR 225.131 - Activities closely related to banking.

Science.gov (United States)

2010-01-01

...; operation and management of a trust department; international banking; foreign exchange transactions... specialized lending provisions; marketing operations, including research, market development and advertising... Holding Companies Interpretations § 225.131 Activities closely related to banking. (a) Bank management...

Radiation processing of biological tissues for nuclear disaster management

International Nuclear Information System (INIS)

Singh, Rita

2012-01-01

A number of surgical procedures require tissue substitutes to repair or replace damaged or diseased tissues. Biological tissues from human donor like bone, skin, amniotic membrane and other soft tissues can be used for repair or reconstruction of the injured part of the body. Tissues from human donor can be processed and banked for orthopaedic, spinal, trauma and other surgical procedures. Allograft tissues provide an excellent alternative to autografts. The use of allograft tissue avoids the donor site morbidity and reduces the operating time, expense and trauma associated with the acquisition of autografts. Further, allografts have the added advantage of being available in large quantities. This has led to a global increase in allogeneic transplantation and development of tissue banking. However, the risk of infectious disease transmission via tissue allografts is a major concern. Therefore, tissue allografts should be sterilized to make them safe for clinical use. Radiation processing has well appreciated technological advantages and is the most suitable method for sterilization of biological tissues. Radiation processed biological tissues can be provided by the tissue banks for the management of injuries due to a nuclear disaster. A nuclear detonation will result in a large number of casualties due to the heat, blast and radiation effects of the weapon. Skin dressings or skin substitutes like allograft skin, xenograft skin and amniotic membrane can be used for the treatment of thermal burns and radiation induced skin injuries. Bone grafts can be employed for repairing fracture defects, filling in destroyed regions of bone, management of open fractures and joint injuries. Radiation processed tissues have the potential to repair or reconstruct damaged tissues and can be of great assistance in the treatment of injuries due to the nuclear weapon. (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 Internet Banking terhadap Kepuasan Nasabah pada PT Bank Negara Indonesia Persero Tbk KC Madiun

Directory of Open Access Journals (Sweden)

Febri Nur Endah Safitri

2018-01-01

Full Text Available This research has purpose to know the quality of internet banking service in PT BNI Persero Tbk KC Madin, to know customer satisfaction at PT BNI Persero Tbk KC Madiun. In this study the population consists of 512 customers with a sample of 225 clients taken with Incidental sampling technique. Technique of taking data taken by questionnaire, observation and documentation. The analysis was processed with SPSS version 20.0 using simple linear regression with hypothesis test, determination test and t test. The result of the research shows that the result of Simple Linear Regression Test is Y = 12,646 + 0,635 X, constant equal to 12,646 meaning if variable of Quality of Internet Banking Service is fixed then Customer Satisfaction amount is 0,635 so there is influence between Quality of Internet Banking Service to Customer Satisfaction. The result of Coefficient of Determination Adjust (R2 is known 0,377 means 37,7% Quality of Internet Banking Service influenced by Customer Satisfaction, while the rest 62,3% Quality of Internet Banking Service influenced by other variable not examined in this research. The result of t test is t_hitung value is 11,697 while t_tabel is 1,651. This means that the value of 〖t〗 _count> t_table (11,697> 1,651. so it can be concluded that Ho is rejected and Ha accepted.

Factors Affecting Customers Adoption of Internet Banking in Pakistan

Directory of Open Access Journals (Sweden)

Samia Abbasi

2017-06-01

Full Text Available Unlike many developed countries, internet banking is a new phenomenon for Pakistani consumers as majority of banking customers seems to be fairly unfamiliar with different aspects of this service. This can be due to the diverse educational backgrounds, level of internet access, personal experiences and different socio-cultural backgrounds of customers. The present study looked at various factors influencing adoption of internet banking in Pakistan. The study used survey methodology with a sample of 250 individuals. Results of the research revealed reluctance to change has no significant impact on adoption of internet banking. On other hand access to internet, ease of use and security and privacy are found to be critical factors influencing adoption of internet banking. The results of the present study may facilitate policy makers and bank management to advance electronic banking services in Pakistan in a befitting manner. Lastly, managerial implications, study limitations and future research directions are provided.

Banking System Shocks and REIT Performance

OpenAIRE

Olliges, Jan-Willem; Raudszus, Malte H.; Mueller, Glenn R.

2013-01-01

The purpose of this study is to directly contrast the REIT market’s stock return response to bank failures versus bank bailouts. The non-negativity constraints of the GARCH model measuring risk dynamics are mitigated by the use of the EGARCH model. EGARCH accounts for non-symmetrical effects of risk adjustments in response to return shocks. Previous research shows that bank failures cause a positive abnormal return effect for REITs. This confirms the expectation that during crises, market par...

Lending Behavior of Multinational Bank Affiliates

Czech Academy of Sciences Publication Activity Database

Derviz, Alexis; Podpiera, J.

2011-01-01

Roč. 1, č. 1 (2011), s. 19-36 ISSN 2077-429X Institutional research plan: CEZ:AV0Z10750506 Keywords : Multinational bank * Contagion * Substitution * Agency Subject RIV: AH - Economics http://library.utia.cas.cz/separaty/2011/E/derviz-lending behavior of multinational bank affiliates.pdf

Nomogram to Predict Graft Thickness in Descemet Stripping Automated Endothelial Keratoplasty: An Eye Bank Study.

Science.gov (United States)

Bae, Steven S; Menninga, Isaac; Hoshino, Richard; Humphreys, Christine; Chan, Clara C

2018-06-01

The purpose of this study was to develop a nomogram to predict postcut thickness of corneal grafts prepared at an eye bank for Descemet stripping automated endothelial keratoplasty (DSAEK). Retrospective chart review was performed of DSAEK graft preparations by 3 experienced technicians from April 2012 to May 2017 at the Eye Bank of Canada-Ontario Division. Variables collected included the following: donor demographics, death-to-preservation time, death-to-processing time, precut tissue thickness, postcut tissue thickness, microkeratome head size, endothelial cell count, cut technician, and rate of perforation. Linear regression models were generated for each microkeratome head size (300 and 350 μm). A total of 780 grafts were processed during the study period. Twelve preparation attempts resulted in perforation (1.5%) and were excluded. Mean precut tissue thickness was 510 ± 49 μm (range: 363-670 μm). Mean postcut tissue thickness was 114 ± 22 μm (range: 57-193 μm). Seventy-nine percent (608/768) of grafts were ≤130 μm. The linear regression models included precut thickness and donor age, which were able to predict the thickness to within 25 μm 80% of the time. We report a nomogram to predict thickness of DSAEK corneal grafts prepared in an eye bank setting, which was accurate to within 25 μm 80% of the time. Other eye banks could consider performing similar analyses.

Human tissue models in cancer research: looking beyond the mouse

Directory of Open Access Journals (Sweden)

Samuel J. Jackson

2017-08-01

Full Text Available Mouse models, including patient-derived xenograft mice, are widely used to address questions in cancer research. However, there are documented flaws in these models that can result in the misrepresentation of human tumour biology and limit the suitability of the model for translational research. A coordinated effort to promote the more widespread development and use of ‘non-animal human tissue’ models could provide a clinically relevant platform for many cancer studies, maximising the opportunities presented by human tissue resources such as biobanks. A number of key factors limit the wide adoption of non-animal human tissue models in cancer research, including deficiencies in the infrastructure and the technical tools required to collect, transport, store and maintain human tissue for lab use. Another obstacle is the long-standing cultural reliance on animal models, which can make researchers resistant to change, often because of concerns about historical data compatibility and losing ground in a competitive environment while new approaches are embedded in lab practice. There are a wide range of initiatives that aim to address these issues by facilitating data sharing and promoting collaborations between organisations and researchers who work with human tissue. The importance of coordinating biobanks and introducing quality standards is gaining momentum. There is an exciting opportunity to transform cancer drug discovery by optimising the use of human tissue and reducing the reliance on potentially less predictive animal models.

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...

MEMBANGUN KEPERCAYAAN NASABAH PADA INTERNET BANKING

Directory of Open Access Journals (Sweden)

Doni Purnama Alamsyah

2016-03-01

Full Text Available Abstrak - Kepercayaan nasabah menjadi hal penting dalam meningkatkan pelayanan bertransaksi di Bank. Tujuan dari penelitian ini membangun kepercayaan nasabah melalui penerimaan kualitas dan penerimaan risiko. Terdapat 100 nasabah yang digunakan untuk mengkaji hubungan dan pengaruh antar variabel penelitian yang diuji melalui hipotesis. Melalui kuesioner yang disebar pada tahun 2015. Hasil penelitian ditemukan adanya hubungan yang berbanding terbalik antara penerimaan kualitas dan penerimaan risiko, serta kepercayaan nasabah dapat ditingkatkan melalui peningkatan penerimaan kualitas dan penekanan penerimaan risiko nasabah atas produk internet banking. Penelitian ini menyempurnakan penelitian sebelumnya dan memiliki implikasi pada penerapan pelayanan nasabah secara online di Bank Rakyat Indonesia. Kata Kunci: Penerimaan Kualitas, Penerimaan Risiko, Kepercayaan Nasabah Abstract - Customer trust more important in improved service transactions in the Bank. The purposed of this study build customer trust through the perceived quality and perceived risk. There are 100 customers who used to study the relationship and influenced between the variables tested through hypothesis. Through questionnaires distributed in 2015. The research found inversely proportional relationship between perceived quality and perceived risk, as well as customer trust can be enhanced through increased perceived quality and decreased perceived risk of customers on internet banking products. The complete study and previous research has implications for online customer service application in Bank Rakyat Indonesia. Keywords : Perceived Quality, Perceived Risk, Trust

Commercial Banks

Directory of Open Access Journals (Sweden)

Abbas Asosheh

2009-09-01

Full Text Available Information systems outsourcing issues has been attracted in recent years because many information systems projects in organizations are done in this case. On the other hand, failure rate of this kind of projects is also high. The aim of this article is to find success factors in risk management of information systems outsourcing in commercial banks using these factors leads to increase the success rate of risk management of information systems outsourcing projects. Research methods in the present article based on purpose are applied and descriptive- survey. In addition, research tool is questionnaire which was used among commercial bank experts. For this purpose, First information systems outsourcing risks were identified and then ranked. In the next step, the information systems outsourcing reasons were surveyed and the most important reasons were identified. Then the risks which have not any relationship with the most important reasons were removed and success factors in managing residual risks were extracted.

Developing a model for explaining effective factors on trust in electronic banking; a survey in Bank Melli of Urmia

Directory of Open Access Journals (Sweden)

Jamshid Salar

2014-03-01

Full Text Available Trust is one of the most important factors for the development of electronic banking. The purpose of this study is to determine effective factors on trust in e-banking in the form of a conceptual model. Due to the rapid growth of electronic banking in the country, identify factors affecting trust in e-banking is very important. Population of this study is customers of Bank Melli in Urmia. We used structural equation modeling with Lisrel 8.80 for testing hypotheses. Results show that independent variables include familiarity with electronic banking, tendency to trust, structural confidence and reputation effect on trust creator beliefs and trust creator beliefs effects on trust. Therefore, trust creator beliefs play a mediating effect in relation between independent and dependent variables. Results of this research can be used by public and private banks` top management.

Internet Financial Reporting: the Case of Philippine Banks

OpenAIRE

Briones, Jesus P; Cabrera, Doringer P

2016-01-01

The purpose of this research is to evaluate the extent of internet financial reporting (IFR) of Philippine banks. Used as samples were top commercial banks and thrift banks operating in the country considering their total assets as of March, 2012 as published by the Bangko Sentral ng Pilipinas in its website. Fina...

Genetic characterization of bank vole virus (BaVV), a new paramyxovirus isolated from kidneys of bank voles in Russia.

Science.gov (United States)

Alkhovsky, Sergey; Butenko, Alexander; Eremyan, Aykaz; Shchetinin, Alexey

2018-03-01

A genome of bank vole virus (BaVV), isolated from kidney tissues of bank voles (Myodes glareolus) in Russia in 1973, was sequenced. The genomic organization of BaVV (3'-N-P/V/C-M-F-G-L-5', 16,992 nt in length; GenBank accession number MF943130) is most similar to that of Mossman virus (MoV) and Nariva virus (NarPV), two ungrouped paramyxoviruses isolated from rodents in Australia and Trinidad, respectively. The proteins of BaVV have the highest level of sequence identity (ranging from 23-28% for G protein to 66-73% for M protein) to proteins of MoV and NarPV. The results of genetic and phylogenetic analysis suggest that BaVV represents a new species and, together with MoV and NarPV, belongs to a new, yet not established genus of the family Paramyxoviridae.

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...

A study of STP strategies of Chinese retail banking industry for competitive advantage

OpenAIRE

Wen, Manqing

2006-01-01

This dissertation reports on the research in how Chinese domestic banks use Segmentation, Targeting and Positioning (STP) strategy for retail banking in the context of anticipated competition after 2006 when the banking business will be fully open to foreign banks. With the full liberalization of China's banking sector due under China's WTO commitments, Chinese domestic banks are faced with the need to increase their competitiveness. This research will start with a literature review conce...

Analisis Faktor yang Mempengaruhi Tingkat Kesehatan Bank dengan Regresi Logit

Directory of Open Access Journals (Sweden)

Titik Aryati

2007-09-01

Full Text Available The article aims to find the probability effects of bank’s health level using CAMEL ratio analysis. The statistic method used to test on the research hypothesis was logit regression. The dependent variable used in this research was bank’s health level and independent variables were CAMEL financial ratios consisting of CAR, NPL, ROA, ROE, LDR, and NIM. The report data were extracted from bank’s financial from financial report, which had been published and accumulated by Infobank research bureau with valuation, based on bank Indonesia policy. The sample consisted of 60 healthy banks and 14 unhealthy banks in 2005 and 2006. The empirical result of this research indicates that the Non Performing Loan is the significant variable affecting bank health level.

NRC/RSR Data Bank Program description

International Nuclear Information System (INIS)

Bankert, S.F.

1979-01-01

The United States Nuclear Regulatory Commission (NRC) has established the NRC/Reactor Safety Research (RSR) Data Bank Program to collect, store, and make available data from the many domestic and foreign water reactor safety research programs. Local direction of the program is provided by EG and G Idaho, Inc., at Idaho National Engineering Laboratory. The NRC/RSR Data Bank Program provides a central computer storage mechanism and access software for data to be used by code development and assessment groups in meeting the code and correlation needs of the nuclear industry. The administrative portion of the program provides data entry, documentation, and training and advisory services to users and the NRC. The NRC/RSR Data Bank Program and the capabilities of the data access software are described

Human Reliability Data Bank: evaluation results

International Nuclear Information System (INIS)

Comer, M.K.; Donovan, M.D.; Gaddy, C.D.

1985-01-01

The US Nuclear Regulatory Commission (NRC), Sandia National Laboratories (SNL), and General Physics Corporation are conducting a research program to determine the practicality, acceptability, and usefulness of a Human Reliability Data Bank for nuclear power industry probabilistic risk assessment (PRA). As part of this program, a survey was conducted of existing human reliability data banks from other industries, and a detailed concept of a Data Bank for the nuclear industry was developed. Subsequently, a detailed specification for implementing the Data Bank was developed. An evaluation of this specification was conducted and is described in this report. The evaluation tested data treatment, storage, and retrieval using the Data Bank structure, as modified from NUREG/CR-2744, and detailed procedures for data processing and retrieval, developed prior to this evaluation and documented in the test specification. The evaluation consisted of an Operability Demonstration and Evaluation of the data processing procedures, a Data Retrieval Demonstration and Evaluation, a Retrospective Analysis that included a survey of organizations currently operating data banks for the nuclear power industry, and an Internal Analysis of the current Data Bank System

Commercial banking and personal indebtedness in Croatia

Directory of Open Access Journals (Sweden)

Filipović Ivan

2017-01-01

Full Text Available Social phenomenon of personal over-indebtedness has emerged in the past thirty years. The trend of excessive indebtedness of households is not losing but gaining momentum. The problem of personal over-indebtedness becomes the focus of interest of regulators, research community and the public in general. In Croatia the number of citizens whose bank accounts are frozen as well as the level of their debt is steadily rising. One of the reasons of such trend is easier access to debt. Studies document the process of 'credit democratization', one of the reasons enabling it being the relaxation of financial regulation. Only few studies can be found that research the role of bank operations policies in inducing the higher levels of household debt. Bank marketing, specifically the advertising and promotion are the tools to communicate with clients, and it has been proven that effective marketing content is as powerful as the interest rate level in deciding upon getting a credit. This leads the way to the research of possible relation between marketing efforts of the bank and the level of household indebtedness. This paper focuses on the possible proactive role of banks, driven by the profitability, and accompanied with the inappropriate quality and level of regulation, in the rise of the number of over-indebted persons in Croatia. The effect of the economic downturn on the proposed relationship is also taken into account. The analysis is based on the bank financial statements data and selected macroeconomic indicators. The goal of the paper is to describe how banks impact the consumer behavior, and consequently give incentive to the rise of personal indebtedness in Croatia.

BANKING MODELS TO DETERMINE THE CREDITWORTHINESS

Directory of Open Access Journals (Sweden)

Viorica IOAN

2013-11-01

Full Text Available In the current economic situation, the issue of the bank risk management is becoming more present, and the notion of "risk" gets increasingly complicated and controversial meanings.Credit analysis implies, the bank, based on information provided by the accounting documents provided by the client and relevant information from different sources to assess whether the client has the creditworthiness needed for credit, if he has the capacity to pay their debts and to assume them by signing the credit.Thus, the bank aims to limit the maximum exposure to credit risk. Given the complexity of risks in banking activity, customer creditworthiness is an important area of research and application. We considered extremely important in analyzing the creditworthiness of customers both lending decision and determining banking and financial performance, focusing on the relationship risk-banking performance. This relationship is relavant for a trader whose specific activity involves a degree of risk in proportion to the potential gain from the operation undertaken.

TOWARDS THE EUROPEAN BANKING UNION-Literature review

Directory of Open Access Journals (Sweden)

Dragos G. TURLIUC

2013-06-01

Full Text Available The financial crisis has made the need for a more integrated regulatory and supervisory framework for the financial services sector evident. An important step towards this aim is the establishment of the Single Supervisory Mechanism. European leaders have committed to moving toward a banking union, in which bank regulation and supervision, deposit guarantees, and the handling of troubled banks will be integrated across at least the euro area and possibly across the wider European Union. This paper provides an overview of research on this topic. We also identify important future research questions that emerge from both the literature and the current debate.

Relationship Marketing Stage of Development in Romanian Banking Industry

Directory of Open Access Journals (Sweden)

Alina Filip

2016-02-01

Full Text Available The paper emphasizes the relationship marketing stage of development within the banking industry in Romania, by identifying the extent to which business objectives and marketing strategies of companies are customer oriented. In order to achieve this aim a qualitative marketing research was conducted, by applying in-depth semi-structured interviews. The target group of the research consisted of nine banking companies, selected according to the market share, while the research participants were employees responsible for marketing, sales and customer relationship management activities. Due to respondents’ expertise, during the interviews could be applied mixed research methods in the process of data collection and subsequently, in data analysis. According to research objectives and results, although there is an increase in the importance of customer orientation within banking policies, the integration of relationship marketing optics at the institutional management level is facing a number of deficiencies, especially with regard to the concerns about employees’ satisfaction and loyalty or to the development of relationships with other stakeholders. The degree of satisfaction with the adoption of customer relationship management technology is relatively high among banks, being appreciated mainly those banking performance achieved in terms of retention rate, cross-selling and customer satisfaction. Most banks use the gross customer retention index as the main indicator of customer portfolio stability, although retention objectives tend to be set differently depending on customer value. Internal marketing strategies are developed around staff training processes, while performance evaluation criteria are rather specific to a transactional marketing approach. Results of the research provide clues on the relationship marketing processes and activities that need to be improved, in order to strengthen the current customer base and the competitive

Maintaining clinical tissue archives and supporting human research: challenges and solutions.

Science.gov (United States)

Giannini, Caterina; Oelkers, Michael M; Edwards, William D; Aubry, Marie Christine; Muncil, Maureen M; Mohamud, Koshin H; Sandleback, Sara G; Nowak, John M; Bridgeman, Andrew; Brown, Marie E; Cheville, John C

2011-03-01

The increasing number of requests for use of clinically archived tissue in translational research poses unique challenges. Conflicts may arise between pathologists who are responsible for overseeing and preserving the tissues and investigators who need these materials for research purposes. To evaluate the status of our institution's Tissue Registry Archive and to develop updated written policies and procedures to support a new modern and robust tracking system with features of a library loan system. An observational study was performed. We found the existing process for managing loans of tissue (slides and paraffin blocks) to be insufficient for the complexity and volume of this task. After extensive customization, a new tracking system was implemented in January 2008. Analysis of the first year of the system's use (2008) showed that of the 206,330 slides and 51,416 blocks loaned out in 2008, 92% and 94%, respectively, were returned by the due date. These rates were markedly improved from those before the new system: 61% and 47%, respectively, in 2005. Material permanently "lost" in 2008 represented only 0.02% of slides and 0.05% of blocks, none of which was the only diagnostic material for the case. With expanding needs for archived tissues for clinical care and growing demands for translational research, it is essential that pathology departments at institutions with large tissue-based research endeavors have a tracking and management system in place to meet clinical, educational, and research needs, as well as legal requirements.

MODEL IKATAN HUBUNGAN, NILAI PELANGGAN TERHADAP LOYALITAS NASABAH PADA BANK PEMERINTAH DI JAWA TENGAN

Directory of Open Access Journals (Sweden)

Naili Farida

2017-03-01

Full Text Available The study discussed about the integration of relational bonding, relational quality,on service quality and customer loyalty at the state-owned bank in Central Java. The loca-tions of research included Semarang City, Surakarta City, and Cilacap City. Research methodused multi stage sampling. The sample of research counted 278 customers of Regular Savingfrom Bank Negara Indonesia (BNI, Bank Mandiri, Bank Rakyat Indonesia, Bank TabunganNegara, and Bank Pembangunan Central of Java. The hypothesis test in this research em-ployed descriptive analysis and Structural Equation Modeling (SEM. The descriptive analysishad loading factor and 5 % significance rate. The objective of research was to understandand to analyze the relational bonding between the Bank customers through corporate im-age, customer value, and relational quality as well as service quality on customer loyalty. Thestate-owned banks in Central Java already used this model. Result of research, related to theresult of SEM analysis, indicated that the relevancy of relational bonding, corporate image,customer value, and service quality had significant effect on customer loyalty. Therefore, thismodel should be developed by the state-owned banks to increase the customer loyalty.

Efektivitas Layanan Weekend Banking (Studi BMI KCP PIM .

Directory of Open Access Journals (Sweden)

Rifa Farhah

2014-01-01

Full Text Available The Effectiveness of Weekend Banking Services (Study at BMI KCP PIM. The aim of this research is to analyze the effectiveness of weekend banking services at Bank Muamalat Indonesia. The method that used in this research is linier regression and. The result shown that the value of adjusted R-squared was 0.313409. It means that customer’s preference (dependent variable was influenced by location, brand image, and, product and services in the amount of 31.34% and the others 68.66% was influenced by the others factor. From the paired sample t-test shown that the weekend banking services still not effective to increase the third party funds  DOI:10.15408/aiq.v6i1.1370