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Sample records for santa lucia bank

  1. Santa Lucia River basin. Development of water resources

    International Nuclear Information System (INIS)

    1970-01-01

    The main objective of this study was to orient the development of water resources of the Santa Lucia River basin to maximum benefit in accordance with the priorities established by Government in relation to the National Development Plans

  2. Santa Lucia River basin. Development of water resources; Cuenca del Rio Santa Lucia.Desarrollo de los recursos hidricos

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    1970-07-01

    The main objective of this study was to orient the development of water resources of the Santa Lucia River basin to maximum benefit in accordance with the priorities established by Government in relation to the National Development Plans

  3. Integral study of the quantity and quality of the underground water in the Santa Lucia basin in Uruguay

    International Nuclear Information System (INIS)

    1990-01-01

    This work study different aspects about the underground water in the Santa Lucia sedimentary basin in Uruguay. It is situated between the San Jose and Santa Lucia river as well as the adyacent Rio de La Plata coast.

  4. Oleistocene mammals in the late-early Holocene in Santa Lucia river basin (Uruguay southern)

    International Nuclear Information System (INIS)

    Ubilla, M.; Perea, D.; Corona, A.; Rinderknecht, A.; Sanchez, A.

    2012-01-01

    This work is about the fossileferous outcrops belongs to the late Pleistocene - early Holocene in Santa Lucia River. It enable to analyse the last records of megafauna vertebrate extinctions (olistecene mammals) with the climate conditions / environment

  5. DIAGNOSTICA PER IMMAGINI DI UN CAPOLAVORO DI CARAVAGGIO IMMAGINI OLTRE IL VISIBILE PER IL SEPPELLIMENTO DI SANTA LUCIA PROVENIENTE DALLA CHIESA DI SANTA LUCIA AL SEPOLCRO DI SIRACUSA

    Directory of Open Access Journals (Sweden)

    Fernanda Prestileo

    2012-04-01

    Full Text Available

    Il 28 maggio 1606 Michelangelo Merisi fugge da Roma dove non fará mai piú ritorno; l’ultimo duello gli è costato la condanna a morte. Iniziano per lui gli anni della latitanza, anni che trascorrerá tra Napoli, Malta e la Sicilia. Nel suo passaggio in Sicilia, Caravaggio realizza dipinti di eccezionale qualitá, sicuramente tra i piú belli della sua breve e intensa esistenza. Nell’isola l’artista arriva nell’ottobre del 1608, dopo l’ennesima fuga, questa volta da Malta. La sua prima tappa siciliana è Siracusa, dove vive un artista suo amico: Mario Minniti. Da lui trova riparo e lavoro perché dipinge su commissione una grande tela per la chiesa di Santa Lucia al Sepolcro, Il Seppellimento di Santa Lucia, realizzata in un breve lasso di tempo, trasferendosi Caravaggio a Messina nel dicembre dello stesso anno.

     

    Diagnostic campaign on Caravaggio’s painting

    The Assessorato dei Beni Culturali e dell’Identità Siciliana, Diparti-mento dei Beni Culturali e  dell'Identitá Siciliana, Regione Siciliana (i nomi italiani tutti in corsivo has carried out a diagnostic cam-paign on the painting Il Seppellimento di Santa Lucia (oil on canvas, 1608 by Michelangelo Merisi da Caravaggio, in order to evaluate the state of conservation of the work of art before its return to Syracu-se, in the Church of S. Lucia al Sepolcro (the original placing from which the painting was removed at the end of the Seventies due to the unsuitable and unstable environment conditions of the exhibi-tion area, which inevitably led to its bad conservation conditions. The diagnostic campaign has been carried out in situ with portable instruments, for a one-month period, during the open exhibition in the Regional Gallery of Sicily of Palazzo Abatellis in Palermo, where the painting has temporarily been displayed in 2006. The investigations were aimed at having a deeper knowledge of the work of art with reference

  6. Prospective areas of the Valle Rio Santa Lucia sanstones (preliminar study)

    International Nuclear Information System (INIS)

    Coronel, N.; Spoturno, J.; Theune, C.

    1980-01-01

    This work was presented, in the second phase of sands prospecting for construction program.This project have been as purpose, to assure the supply of Montevideo with this long term material. The study was carried out in framework of the project of Geologic Collaboration Uruguayan-German. A detail cartography was made in an area of 435 km2 in the low course of the River Santa Lucia (from 20 to 50 km West of Montevideo).

  7. Albian Phyto geography and environment in Santa Lucia basin, Uruguay: a study based on palynomorphs

    International Nuclear Information System (INIS)

    Campos, C.; Veroslavsky, G.

    1999-01-01

    This paper presents bioestratigraphic results on the Castellanos and Migues formations, Upper Cretaceous of the Santa Lucia basin, Uruguay. The samples are from six exploratory wells drilled by Ancap and YPF, in 50 th and 70 th decades. The palynological data have been used to determine the paleoenvironmental evolution, the paleoclimate as well as the paleogeografic reconstruction for this area, in the Albian time. (author).

  8. Chemical of shales belonging to Castellanos and Migues formations (Cretaceous), Santa Lucia basin - Uruguay: Paleoenvironment considerations

    International Nuclear Information System (INIS)

    Peel, E.; Veloslavsky, G.; Fulfaro, J.

    1998-01-01

    In the present work there are analyzed 16 samples of shales belonging to Castellanos and Migues formations (Cretaceous), taken from cores of various boreholes of the Santa Lucia Basin (Uruguay). Chemical analysis of major elements, trace elements (B,V, Sr, Rb, Cr y Ga) and X- ray diffractometry were done to them in order to obtain a geochemical characterization. The characterization shows that their chemical composition is comparable to the world average composition of shales. Besides, the X-ray diffractometry. Based on that, it is clear to deduce that it existed a change in the environment conditions having a shift from a redactor environment which agrees with former micropaleontologic studies. (author)

  9. Final inform of the studies carried out by the Geological Institute of Uruguay in the zone of Paso Severino of Santa Lucia small river

    International Nuclear Information System (INIS)

    1973-01-01

    This inform is about the geological conditions study carried out in Paso Severino zone of the Santa Lucia small river to make a dam to provide water to Montevideo. The techniques used were photo interpretation and general geological studies.

  10. Santa Lucia (2008) (L6) Chondrite, a Recent Fall: Composition, Noble Gases, Nitrogen and Cosmic Ray Exposure Age

    Science.gov (United States)

    Mahajan, Ramakant R.; Varela, Maria Eugenia; Joron, Jean Louis

    2016-04-01

    The Santa Lucia (2008)—one the most recent Argentine meteorite fall, fell in San Juan province, Argentina, on 23 January 2008. Several masses (total ~6 kg) were recovered. Most are totally covered by fusion crust. The exposed interior is of light-grey colour. Chemical data [olivine (Fa24.4) and low-Ca pyroxene (En77.8 Fs20.7 Wo1.6)] indicate that Santa Luica (2008) is a member of the low iron L chondrite group, corresponding to the equilibrated petrologic type 6. The meteorite name was approved by the Nomenclature Committee (NomCom) of the Meteoritical Society (Meteoritic Bulletin, no. 97). We report about the chemical composition of the major mineral phases, its bulk trace element abundance, its noble gas and nitrogen data. The cosmic ray exposure age based on cosmogenic 3He, 21Ne, and 38Ar around 20 Ma is comparable to one peak of L chondrites. The radiogenic K-Ar age of 2.96 Ga, while the young U, Th-He are of 1.2 Ga indicates that Santa Lucia (2008) lost radiogenic 4He more recently. Low cosmogenic (22Ne/21Ne)c and absence of solar wind noble gases are consistent with irradiation in a large body. Heavy noble gases (Ar/Kr/Xe) indicated trapped gases similar to ordinary chondrites. Krypton and neon indicates irradiation in large body, implying large pre-atmospheric meteoroid.

  11. The Monastery of Santa Lucia in Foligno and the Legenda of Santa Chiara. From Beguine Community to Scriptorium.

    Directory of Open Access Journals (Sweden)

    Latifah Troncelliti Ph.D

    2013-07-01

    Full Text Available During the fifteenth century female convents flourished in north-central Italy revealing a flurry of extraordinary literary production together with an unprecedented intellectual activity among women: the monastery of St. Lucia in Foligno is particularly interesting for being emblematic of this new direction among female institutions. From the old beghine of lay communities to the enterprising wealthy nuns of later monasteries, women found their way through social discrimination. They were capable of surviving marginalization by using and reversing to their advantage the same religious establishment that was relentlessly persecuting them.

  12. Partial pressure (or fugacity) of carbon dioxide, dissolved inorganic carbon, pH, alkalinity, salinity and other variables collected from underway - surface observations using Carbon dioxide (CO2) gas analyzer, Shower head chamber equilibrator for autonomous carbon dioxide (CO2) measurement and other instruments from the SANTA LUCIA and Santa Maria in the Caribbean Sea, English Channel and others from 2002-02-22 to 2007-12-22 (NODC Accession 0110259)

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — NODC Accession 0110259 includes biological, chemical, meteorological, physical and underway - surface data collected from SANTA LUCIA and Santa Maria in the...

  13. St. Lucia.

    Science.gov (United States)

    Munnik, Victor

    1993-01-01

    Examines the impact of mining the dunes in Natal's Saint Lucia Park on the wetlands and lake to the west of the dunes. Discusses mining companies campaign to receive rights to mine, government neglect, and public education and opinion concerning the controversy. (MDH)

  14. St. Lucia.

    Science.gov (United States)

    1987-06-01

    The population of St Lucia was 123,000 in 1986, with an annual growth rate of 2%. The infant mortality rate stands at 22.2/1000 live births, and life expectancy is 70.3 years for males and 74.9 years for females. The literacy rate is 78%. St Lucia's labor force is allocated as follows: agriculture, 36.6%; industry and commerce, 20.1%; and services, 18.1%. The gross national product (GNP) was US$146 million in 1985, with an annual growth rate of 3% and a per capita GNP of $1071. St Lucia is a parliamentary democracy modeled on the British Westminster system. The island is divided into 16 parishes and 1 urban area (the capital, Castries). St Lucia is currently a politically stable country, although the high level of youth unemployment is a cause for concern. Ongoing stability may depend on the government's ability to provide services such as jobs and housing. The economy has evolved from a monocrop sugar plantation type to a diversified economy based on agriculture, industry, and tourism. Agriculture, dominated by the banana industry, is characterized by the participation of a large number of small and medium-sized enterprises. Industry is being encouraged through the provision of incentives such as tax rebates. The government is attempting to maintain a sound investment climate through a tripartite dialogue with the private sector and trade unions. Overall economic policy is predicated on the attraction of sound investments, by both local and foreign entities, to accelerate the rate of economic growth, solve the unemployment problem, and generate a solid balance-of-payments position.

  15. 75 FR 4909 - Charter Bank: Santa Fe, New Mexico; Notice of Appointment of Receiver

    Science.gov (United States)

    2010-01-29

    ... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Charter Bank: Santa Fe, New Mexico; Notice... section 5(d)(2) of the Home Owners' Loan Act, the Office of Thrift Supervision has duly appointed the Federal Deposit Insurance Corporation as sole Receiver for Charter Bank, Santa Fe, New Mexico, (OTS No...

  16. Acid drainage at the inactive Santa Lucia mine, western Cuba: Natural attenuation of arsenic, barium and lead, and geochemical behavior of rare earth elements

    Energy Technology Data Exchange (ETDEWEB)

    Romero, Francisco Martin, E-mail: fmrch@geologia.unam.mx [Instituto de Geologia, Universidad Nacional Autonoma de Mexico, Ciudad Universitaria, Delegacion Coyoacan, 04510 Mexico D.F. (Mexico); Prol-Ledesma, Rosa Maria; Canet, Carles [Instituto de Geofisica, Universidad Nacional Autonoma de Mexico, Ciudad Universitaria, Delegacion Coyoacan, 04510 Mexico D.F. (Mexico); Alvares, Laura Nunez; Perez-Vazquez, Ramon [Facultad de Geologia y Mecanica, Universidad de Pinar del Rio (Cuba)

    2010-05-15

    A detailed geochemical study was conducted at the inactive Zn-Pb mine of Santa Lucia, in western Cuba. The studied mine-wastes are characterized by high total concentrations of potentially toxic elements (PTE), with average values of 17.4% Fe, 5.47% Ba, 2.27% Pb, 0.83% Zn, 1724 mg/kg As and 811 mg/kg Cu. Oxidation of sulfide minerals in mine-waste dumps and in the open pit produces acid mine effluents (pH = 2.5-2.6) enriched in dissolved SO{sub 4}{sup 2-} (up to 6754 mg/L), Fe (up to 4620 mg/L) and Zn (up to 2090 mg/L). Low pH values (2.5-2.8) and high dissolved concentrations of the same PTE were found in surface waters, up to 1500 m downstream from the mine. Nevertheless, concentrations of As, Ba and Pb in acid mine effluents and impacted surface waters are relatively low: 0.01-0.3 mg/L As, 0.002-0.03 mg/L Ba and 0.3-4.3 mg/L Pb. Analysis by X-ray diffraction and electron microscopy revealed the occurrence of lead-bearing barite and beudantite and the more common solid phases, reported elsewhere in similar environments including Fe-oxyhydroxides, jarosite, anglesite and plumbojarosite. Because the reported solubilities for barite and beudantite are very low under acidic conditions, these minerals may serve as the most important control in the mobility of As, Ba and Pb. In contrast, Fe-oxyhydroxides are relatively soluble under acidic conditions and, therefore, they may have a less significant role in PTE on-site immobilization. Mine-wastes and stream sediments show a light REE (LREE) and middle REE (MREE) enrichment relative to heavy REE (HREE). In contrast, acid mine effluents and surface waters are enriched in HREE relative to LREE. These results suggest that the LREE released during the oxidation of sulfides are captured by secondary (weathering) minerals, while the MREE are removed from the altered rocks. The low concentrations of LREE in acid stream water suggest that these elements can be retained in the sediments more strongly than HREE and MREE. One

  17. CRED REA Algal Assessment, Santa Rosa Bank 2003 (NODC Accession 0010352)

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — Twelve quadrats were sampled along 2 consecutively-placed, 25m transect lines as part of Rapid Ecological Assessments conducted at 2 sites at Santa Rosa Bank (off...

  18. Cagliari, Santa Lucia. Progetto di indagini archeologiche e di recupero di una delle più antiche chiese della città

    Directory of Open Access Journals (Sweden)

    Rossana Martorelli (ed.

    2017-11-01

    Full Text Available Il contributo ripercorre alcune delle vicende che hanno caratterizzato la preparazione del progetto di ricerca storica e dell’indagine archeologica sulla chiesa di S. Lucia nel quartiere della Marina a Cagliari, avviato nel 2011 e proseguito sino al 2014. L’area d’interesse è racchiusa entro una moderna cancellata, che ricalca grosso modo il perimetro dell’ultimo impianto della chiesa, di cui si conserva in elevato la porzione nord-orientale. I dati scaturiti dalle indagini consentono di ricostruire le vicende storiche e architettoniche della chiesa. Lo scavo ha finora restituito alcune sepolture pressoché intatte, con corredo funerario povero e disarticolato (oggetti in metallo in uso sia nella cassa lignea, sia come accessori del vestiario del defunto o in accompagnamento di età postmedievale; brevi tratti delle pavimentazioni e dei rivestimenti messi in opera nel XVII e XVIII secolo (azulejos e mattonelle maiolicate e in cotto, lastre di ardesia. La scelta di un cantiere aperto, trasparente e in continuo dialogo con tutti, mediante la diffusione di notizie ed eventi, è legata al sito web. Infine, si propongono alcune considerazioni sul ruolo della chiesa rispetto alla città e qualche ipotesi in merito all’identificazione con l’antica chiesa omonima citata dai documenti dall'inizio del XII secolo.

  19. Saint Lucia revisited.

    Science.gov (United States)

    Bos, R; Février, M; Knudsen, A B

    1988-10-01

    The eastern Caribbean island of Saint Lucia is now famous in parasitological history as the setting for a major programme of schistosomiasis control'. Perhaps less well-known are the island's effective control of many intestinal parasites, and elimination of malaria, such that the current patterns of mortality and other demographic indicators now resemble those of industrialized countries. More recently, the island has become the focus for another community-based health programme as the Caribbean region again comes to grips with Aedes aegypti and its recently imported relative, Aedes albopictus, important vectors of yellow fever and dengue viruses (see Box 1).

  20. St Lucia is one of the largest estuarine systems in Africa and forms ...

    African Journals Online (AJOL)

    denise

    Board) are the managers of the St Lucia estuarine system and provide .... Linefish System (NMLS), a database maintained by. Marine & Coastal Management, branch of the ...... trawlers operating on the Tugela Bank showed that squaretail kob ...

  1. Festa da Ouriçada e devoção a Santa Luzia na praia de Suape-PE: expressão sincrética e simbólica da biodiversidade e do território de pescadores artesanais (Sea Urching Festival and the devotion to Santa Lucia, on the beach of Suape, Pernambuco.

    Directory of Open Access Journals (Sweden)

    Juana de Oliveira Santos

    2013-06-01

    Full Text Available Festa da Ouriçada e devoção a Santa Luzia na praia de Suape-PE: expressão sincrética e simbólica da biodiversidade e do território de pescadores artesanais (Sea Urching Festival and the devotion to Santa Lucia, on the beach of Suape, Pernambuco - DOI: 10.5752/P.2175-5841.2013v11n30p545Este artigo busca compreender o simbolismo da Festa da Ouriçada em sua fusão com a Festa de Santa Luzia, realizada todo dia de 13 de dezembro, enquanto manifestação da cultura e da religiosidade popular de uma comunidade de pescadores artesanais. Essas festas são protagonizadas há várias gerações pela população que habita a baía de Suape, cujo território é disputado pelo Complexo Industrial do Porto de Suape, o que tem provocado graves impactos ambientais sobre a biodiversidade da área com prejuízo das atividades pesqueiras. Como metodologia optou-se pelo estudo etnográfico com uso da observação participante e entrevistas com ênfase na história de vida, combinado com pesquisa bibliográfica e documental. Ainda considerou-se a memória narrativa como composta por “símbolos que demarcam a identidade de um grupo social” (TEDESCO, 2002, explicitando elementos como “relações sociais, seus vínculos de pertencimento, o significado da natureza biofísica nas suas vidas e o conflito socioambiental vivenciado” (SOUZA, 2009. Palavras-chave: Catolicismo popular. Conflitos territoriais.  Simbolismo. Biodiversidade. Abstract This article aims to understand the symbolism of the Sea Urchin Festival connected with the Saint Luzia Festival, celebrated on December 13, as a cultural and popular religiosity manifestation from a fishermen community. These festivals belong to the people that inhabits the Suape Bay but whose territory is still been disputed by the Industrial Complex of Suape Port that has caused serious environmental impacts over the local biodiversity, thus threatening the fishing activity. The methodology of this research is an

  2. Radio carbonic dates (14C) from Dolores Fm. (Santa Lucia River,Canelones Department and Gutierrez chico Creek,Rio Negro Department)and comments about the vertebrate fauna associated

    International Nuclear Information System (INIS)

    Ubilla, M.

    1999-01-01

    Radiometric dates(14C)were performed based on fossil woods coming from late Pleistocene levels and assigned to dolores Fm.(Rio Negro Department, Gutierrez Chico Creek: Canelones Department, Danta Lucia basin).The 14C ages date the fossiliferous levels near the Pleistocene-Holocene boundary: 10.480+/-100 y B.P.(LP-1110,wood in det.), 10.500+/-110 y B.P. (LP-1143.wood in det.)and 11.650+/130 y B.P.(LP-509, Prosopis?sp.).Several ta xa of mammals recorded in the Dolores Fm.characterise the late Pleistocene of South Am erica( L ujunian f auna).Accordingly with the 14 dates, the most recent record of mega fauna of Uruguay is here reported.Archaeological sites with mega fauna have been described from other localities of South America with similar radiometric dates.In spite of the current controversy about the regional finipleistocenic climatic oscillation,the scarcely fossiliferous evidences suggest arid to semiarid and cold climatic condition.These evidences must be improved to test accurately the regional climatic hypothesis

  3. Profile of Heart Donors from the Human Valve Bank of the Santa Casa de Misericórdia de Curitiba.

    Science.gov (United States)

    Ferreira, Renata Maria; da Costa, Marise Teresinha Brenner Affonso; Canciglieri Junior, Osiris; Sant'Anna, Ângelo Márcio Oliveira

    2016-04-01

    Human heart valves are used as replacement valves and have satisfactory functional results compared with conventional prostheses. Characterize the profile of effective heart donors from the human valve bank of the santa casa de misericórdia de curitiba and analyze the association between the profile variables. It consists of a retrospective and quantitative study of electronic medical records from heart donors for heart valves. every heart donation made to the bank between january 2004 and december 2014 was studied. 2,149 donations were analyzed, from donors aged 0 to 71 years old, with an average of 34.9 ± 15.03 years old. most donors were male 65.7% (n=1,411) and 34.3% (n=738) were female. among the most frequent causes of the donors' death are trauma at 53% (n=1,139) and cerebral vascular accident at 34.2% (n=735). there was significant statistical association between the analyzed variables. There has been an improvement in brazil's donation rate, being essential that the tissue banks work together with the state and federal district centers for notification, procurement and distribution of organs in order to increase the number of donors.

  4. 27 CFR 9.139 - Santa Lucia Highlands.

    Science.gov (United States)

    2010-04-01

    ... coincides with the western boundary of the Guadalupe Y Llanitos de los Correos Land Grant and the eastern... eastern boundary of section 28 T. 165., R. 4E., coincides with the western boundary of the Guadalupe Y... coincides with the unnamed light duty road for about 0.4 miles and then with the eastern boundaries of...

  5. Kolmapäeval kroonitakse Raekoja platsil Lucia

    Index Scriptorium Estoniae

    2006-01-01

    Püha Lucia ehk luutsinapäeval kroonitakse heade jõulude kehastaja ja soojuse ning valguse tooja Lucia. Krooni valmistas Rootsi suursaatkonna algatatud konkursi võitja Sandra Savelli Eesti Kunstiakdeemiast

  6. Unintended and unwanted pregnancy in St. Lucia.

    Science.gov (United States)

    Denton, A B; Chase, W M; Scott, K

    1994-09-01

    Among 200 mothers interviewed in St. Lucia, 82.5% described their pregnancy as unintended and 44% as unwanted; 80% of women having an intended pregnancy and 94.6% having an unintended pregnancy were unmarried and 18.5% were teenagers. Mothers of unintended pregnancies were significantly younger, were of significantly higher parity and had begun sexual relations at a significantly earlier age than mothers of intended pregnancies; and, unlike mothers of planned pregnancies, their desired interpregnancy interval was significantly longer than the actual interval. These results and the sporadic and ineffective use of contraception in St. Lucia emphasize the need for improvements in fertility regulation in that country.

  7. IL SEPPELLIMENTO DI S. LUCIA CARAVAGGIO E LA BIBLIOTECA DIGITALE

    Directory of Open Access Journals (Sweden)

    Francesca Salvemini

    2012-04-01

    Full Text Available

    Tra reificazione e anastilosi documentale, interpretazione dei pittori che copiarono e restaurarono le sue opere, astrazione di antiquari e bibliofili, il recupero del bene artistico e culturale in un indice bibliografico della fortuna del Seppellimento di S. Lucia, dipinto sulla tela a grande formato, a grandezza naturale. Nel sistema iconclassl’indimenticabile avventura del ‘brutto’, né falso né vero nel viaggio in Italia tra le rovine, fra eventi catastrofici e conservazione. Fruizione, estrapolazione ed incetta del mercato, la flagranza  dell’autografia inedita nel sublime: l’irreparabile e l’irreperibile nella cronistoria del gusto. Dall’edizione anastatica, dai microfilms e microfi shes degli originali all’e-book, la riproducibilità della scansione digitale in formato PDF nella storia della ‘legenda’ (avvertenza al lettore: la datazione delle ristampe è affidata all’impronta tipografica.

    The burial of Santa Lucia Caravaggio and the digital library

    Among anastylosis and reassembly and among documental interpretation of the painters who copied and restored his works, and abstraction of antique dealers and bibliophiles, the recovery of an object of art and culture in a bibliography of the luck of the Burial of St. Lucia, painted on large format canvas, on life size. In the Iconclass system the adventure non-objectifi able of the 'ugly', neither true nor false, while traveling through the ruins in Sicily, between the catastrophic events as the earthquakes and the history of restoration and retro-spective conservation of the masterpiece. Over the fruition, and the buying up and the extrapolation of the market, the sublime of the unpublished and flagrante authorship of both through the missed out either through the missing in the history of taste along with the religious feeling. From facsimile editions and original microfilms and micro

  8. Lucia's Ghosts: Sonic, Gothic, and Postmodern

    DEFF Research Database (Denmark)

    Fillerup, Jessie

    2016-01-01

    In this article, I use an intertextual interference – the spectral presence of Norma Desmond in a performance of Donizetti’s Lucia di Lammermoor – as a locus through which to explore the consequences of the ‘open’ text in theatrical spectatorship, criticism and historical study. Norma’s ghosting...

  9. Lucia's Ghosts: Sonic, Gothic, and Postmodern

    DEFF Research Database (Denmark)

    Fillerup, Jessie

    2016-01-01

    In this article, I use an intertextual interference – the spectral presence of Norma Desmond in a performance of Donizetti’s Lucia di Lammermoor – as a locus through which to explore the consequences of the ‘open’ text in theatrical spectatorship, criticism and historical study. Norma’s ghosting...... the lens of Sunset Boulevard inverts chronological sequence, it acknowledges the temporal contradictions inherent in historical work and assigns productive meaning to nostalgic impulses that engage a reflective mode of thought....

  10. Efficient way back litters nutrient potential of a tropical forest of bank. Sierra Nevada of Santa Marta Colombia

    International Nuclear Information System (INIS)

    Fuentes Molina, Natalia; Rodriguez Barrios, Javier Alfredo

    2012-01-01

    In three representative forests along the River Gaira, (subtropical wet forest, subtropical moist forest and tropical thorn mount), were measured over six months (wet and dry seasons) fluxes of nitrogen and phosphorus through the litter. Concentrations of nutrients (nitrogen and phosphorus) in the litter were relatively similar in the three Nevada de Santa Marta Colombia. Fuentes, Rodriguez. vegetation types (1.71% n and 0.12% p for the subtropical moist forest, followed by the tropical thorn mount with 1.50% n and 0.10% p and the subtropical wet forest with 1.39% n and 0.08% p), with the most significant differences found for nitrogen, which is the major nutrient with the absolute maximum in the subtropical rain forest set in the middle stretch of the basin. The greatest returns on biomass and nutrients occurred in the subtropical moist forest and tropical thorn mount set in the middle and lower reaches of the basin. The leaves showed high concentration of n and consequently, given the high production values of the different fractions, a high potential return of n (78.6 kg ha-1 yr-1). The foliar p concentration showed a potential return of 4.9 kgha1yr-1 and high values of the indices of efficiency in their use (iev: 2888.5) and foliar resorption (ern: 98.2), was the nutrient most limiting.

  11. Predation of Opuntia monacantha (Willd. Haw. (Cactaceae by Cactoblastis cactorum (Lepidoptera: Pyralidae in a sand bank area of Santa Catarina island, south Brazil

    Directory of Open Access Journals (Sweden)

    Afonso Inácio Orth

    2006-09-01

    Full Text Available The genus Opuntia is worldwide known for its ecological, ornamental and agronomic importance. Some species became pests in the countries in which they where introduced, and as biological control, Cactoblastis cactorum (Lepidoptera: Pyralidae larvae, originary from Argentina, were used. However, the effect of the attack of this piralid on native cactus has yet not been elucidated. The objective of this study was to detect and to quantify the predation of C. cactorum on Opuntia monacantha. The study was carried out from September to November of 2004, along pre-defined tracks, on a sand bank vegetation area, between the Mole and Galheta beaches in the Santa Catarina island (27º35’83.1’’S e 48º25’70.6’’W. All the studied plants (n = 20 presented some damage caused by C. cactorum. The proportion of unpredated cladodes (68% and fruits (85% was higher than the predated ones. Terminal cladodes were highly predated structures and presented the highest number of larvae inside. Seed loss in the predated fruits was high. The remaining areole of the predated cladodes and fruits differentiated into sprouts and routs and formed new plants. O. monacantha, despite of being predated by C. cactorum larvae, apparently possess defense mechanisms which assure the maintenance of its populations.

  12. banks

    Directory of Open Access Journals (Sweden)

    Elena Grigoryeva

    2016-11-01

    The thaw period was a kind of bank from which our country set sail towards unexplored horizons. The series on the Moscow Palace of Young Pioneers is continued by the article by Felix Novikov (144-151, who writes about the history of the design of this wonderful building, today’s monument of architecture of Soviet modernism.

  13. Postcolonial Identity Politics, Language and the Schools in St. Lucia

    Science.gov (United States)

    St. Hilaire, Aonghas

    2009-01-01

    In the postcolonial era, a cultural nationalist movement has sought to elevate the status of St. Lucia's creole vernacular, Kweyol, and with some success--it is now the most visible symbol of St. Lucian national identity. This relatively new development has altered somewhat the historic linguistic status quo between the official, high status…

  14. Energy Transition Initiative: Island Energy Snapshot - St. Lucia (Fact Sheet)

    Energy Technology Data Exchange (ETDEWEB)

    2015-02-01

    This profile provides a snapshot of the electricity generation or reduction technologies, including solar hot water heating, available to Saint Lucia, one of six Caribbean countries that make up the Windward Islands - the southern arc of the Lesser Antilles chain - at the eastern end of the Caribbean Sea. Heating and transportation fuels are not addressed.

  15. Life and death at precolumbian Lavoutte, Saint Lucia, Lesser Antilles

    NARCIS (Netherlands)

    Hofman, C.L.; Hoogland, M.L.P.; Mickleburgh, H.L.; Laffoon, J.E.; Weston, D.A.; Field, M.H.

    2012-01-01

    The Caribbean archaeological record requires immediate attention and protection. Development and natural forces have impacted archaeological sites, destroying or severely damaging them. The precolumbian site of Lavoutte, located in northern Saint Lucia, has been known as a major Late Ceramic Age

  16. Making midwives: postmodern conditions and midwifery training in Saint Lucia.

    Science.gov (United States)

    Hsu, C

    2001-01-01

    Drawing on material from fieldwork conducted on the island of Saint Lucia, I examine how Saint Lucian nurse-midwives and student midwives negotiate multiple ways of understanding and evaluating their practices and roles in light of contradictory and powerful cultural, historical, and political forces. I argue that, although Saint Lucian nurse-midwives may not qualify as "postmodern" according to the criteria proposed by Davis-Floyd and Davis (1996), they are nonetheless struggling with postmodern conditions as they negotiate between competing healing ideologies. I illustrate the significance of these negotiations through analyzing: (1) the ways nurse-midwives understand and articulate the healing ideologies at play in Saint Lucia, (2) historical and ideological aspects of the Saint Lucian nurse-midwifery training program, and (3) a classroom discussion during which student reported on "bush-midwives."

  17. Saint Lucia's worship by fishermans and sailors in Trapani between 16th and 17th centuries

    Directory of Open Access Journals (Sweden)

    Michele Giacalone

    2006-02-01

    Full Text Available This work is focused on the identification of the whole body of a stony epigraphic and figure document, belonging to the town of Trapani. Up to know this document, of the XVII century, has been considered preserved only partly, and for what regards the prominent remaining part, that was the figure part, it was known only thanks to an Eighteenth century transcription endowed with a drawing. On the one hand, regarding the figure plaque, it is shown the monumental complex which it belongs to i.e. the Church of Santa Lucia in Trapani, today fallen into disuse, in relation to the historical evolution of the urban area of Trapani; on the other hand, it is highlightened its historical-social and historical-religious importance, since it expresses the devotions of the fishermen and seamen social classes of Trapani, who asked this document as memorial of a very lucky coral fishing. The epigraphic and figure text allows to read the most deep-rooted faith trends into some definite social classes of the society of the Trapani society, from the end of the Medieval Age till now. This document can be considered as an extraordinary nautical chart about the whole coast of Trapani, as it equipped with correct indicationsabout distances and paths, and geomorphologic and toponymic exact indications.

  18. Reducing Health Disparities and Improving Health Equity in Saint Lucia

    Directory of Open Access Journals (Sweden)

    Kisha Holden

    2015-12-01

    Full Text Available St. Lucia is an island nation in the Eastern Caribbean, with a population of 179,000 people, where chronic health conditions, such as hypertension and diabetes, are significant. The purpose of this pilot study is to create a model for community health education, tracking, and monitoring of these health conditions, research training, and policy interventions in St. Lucia, which may apply to other Caribbean populations, including those in the U.S. This paper reports on phase one of the study, which utilized a mixed method analytic approach. Adult clients at risk for, or diagnosed with, diabetes (n = 157, and health care providers/clinic administrators (n = 42, were recruited from five healthcare facilities in St. Lucia to assess their views on health status, health services, and improving health equity. Preliminary content analyses indicated that patients and providers acknowledge the relatively high prevalence of diabetes and other chronic illnesses, recognize the impact that socioeconomic status has on health outcomes, and desire improved access to healthcare and improvements to healthcare infrastructures. These findings could inform strategies, such as community education and workforce development, which may help improve health outcomes among St. Lucians with chronic health conditions, and inform similar efforts among other selected populations.

  19. Reducing Health Disparities and Improving Health Equity in Saint Lucia.

    Science.gov (United States)

    Holden, Kisha; Charles, Lisa; King, Stephen; McGregor, Brian; Satcher, David; Belton, Allyson

    2015-12-22

    St. Lucia is an island nation in the Eastern Caribbean, with a population of 179,000 people, where chronic health conditions, such as hypertension and diabetes, are significant. The purpose of this pilot study is to create a model for community health education, tracking, and monitoring of these health conditions, research training, and policy interventions in St. Lucia, which may apply to other Caribbean populations, including those in the U.S. This paper reports on phase one of the study, which utilized a mixed method analytic approach. Adult clients at risk for, or diagnosed with, diabetes (n = 157), and health care providers/clinic administrators (n = 42), were recruited from five healthcare facilities in St. Lucia to assess their views on health status, health services, and improving health equity. Preliminary content analyses indicated that patients and providers acknowledge the relatively high prevalence of diabetes and other chronic illnesses, recognize the impact that socioeconomic status has on health outcomes, and desire improved access to healthcare and improvements to healthcare infrastructures. These findings could inform strategies, such as community education and workforce development, which may help improve health outcomes among St. Lucians with chronic health conditions, and inform similar efforts among other selected populations.

  20. Radiological characterization of Santa Lucia beach, in the northern coast of Camaguey, Cuba

    International Nuclear Information System (INIS)

    Tomas, J.; Prendes, M.; Brigido, O.; Parra, D.

    1993-01-01

    For the radiological characterization of the region studied the following in situ works were performed: 1 Determination of the radioisotopic composition of the soils; 2 Measurement of the values of gamma dose rates absorbed in the air for diverse places in the region; 3 Determination of total beta activity in air owing to the presence of radioactivity aerosols in the area

  1. Prospective areas of the Valle Rio Santa Lucia sandstones (preliminary study)

    International Nuclear Information System (INIS)

    Roth, W.; Stampe, W.; Gomez Rifas, C.; Spoturno, J.; Heinzen, W.; Machicote, D.

    1980-01-01

    The Mine of Talc Narancio was selected to carry out investigations geologic-mining, to be the only one where it is practiced the underground extraction, for not having been carried out works of recent investigation and because the existent talc is of a very good quality. They have been studied the following topics: geologic cartography, core description, petrography, chemical analysis, and gallery cartography.

  2. Penaeid prawns in the St Lucia Lake System: Post-larval recruitment ...

    African Journals Online (AJOL)

    Penaeid prawns in the St Lucia Lake System: Post-larval recruitment and the bait fishery. ... Recruitment of post-larval penaeid prawns and the bait prawn fishery in the St Lucia Lake System were monitored for ... AJOL African Journals Online.

  3. Pertussis: herd immunity and vaccination coverage in St Lucia.

    Science.gov (United States)

    Cooper, E; Fitch, L

    1983-11-12

    In a single complete epidemic in St Lucia, an island too small to support constant clinical pertussis, the pertussis case rates in small communities (villages and small towns) with differing levels of vaccination coverage of young children were compared. The association between greater vaccination coverage and greater herd immunity was clear, despite the imperfect protection given to individuals. An analysis in terms of population dynamics is evidence against the theory that endemic subclinical pertussis maintains transmission in a highly vaccinated population. We suggest that with a homogeneous vaccination coverage of 80% of 2-year-old children pertussis might be eradicated from the island, and that this is a practicable experiment.

  4. Evaluation of the St. Lucia geothermal resource: macroeconomic models

    Energy Technology Data Exchange (ETDEWEB)

    Burris, A.E.; Trocki, L.K.; Yeamans, M.K.; Kolstad, C.D.

    1984-08-01

    A macroeconometric model describing the St. Lucian economy was developed using 1970 to 1982 economic data. Results of macroeconometric forecasts for the period 1983 through 1985 show an increase in gross domestic product (GDP) for 1983 and 1984 with a decline in 1985. The rate of population growth is expected to exceed GDP growth so that a small decline in per capita GDP will occur. We forecast that garment exports will increase, providing needed employment and foreign exchange. To obtain a longer-term but more general outlook on St. Lucia's economy, and to evaluate the benefit of geothermal energy development, we applied a nonlinear programming model. The model maximizes discounted cumulative consumption.

  5. The economics of geothermal power in Saint Lucia, West Indies

    International Nuclear Information System (INIS)

    Barthelmy, A.

    1990-01-01

    This paper reports on an economic comparison which is made between geothermal power at Sulphur Springs, Soufriere, Saint Lucia and diesel generated power from a new diesel power station at Cul de Sac to the south of Castries. The comparison is over a 20 year period. The new diesel power station is scheduled for commission during the second half of 1990. The capital costs for the Cul de Sac Station are based on actual contract sums for Stage I of the development program, comprising 2 x 6.3 MW generating units. Development costs for a 2 x 5.6 MW dry steam geothermal power plant are based on actual well costs and estimated costs for the steam gathering system and power plant. The geothermal reservoir is assumed to be vapor dominated. Levelized coatings will be adopted for comparing the total generating costs in cents per kilowatt hour associated with the two generating plants

  6. The petrographic district of Santa Teresa 1st. communication

    International Nuclear Information System (INIS)

    Giglio, M.; Oyhantcabal, P.

    1984-01-01

    Abstract.it was possible to found the existence of a potas sic rocks petrographic province as a first stage of the geological, petrographic and geochemical study of the Sta. Teresa granitic complex of cambric age.The Or/Ab/An ratio of most of this rocks lies on the orthoclase field of the 'Diagram of Higazy', while the K2/Na20tCaO ratio is bigger than 1 .This da tta are preliminary and the investigation needs to be continued.This inform is about the geological conditions study carried out in Paso Severino zone of the Santa Lucia small river to make a dam to provide water to Montevideo. The techniques used were photo interpretation and general geological studies.

  7. Musicalidade e transmissao da voz: James, John e Lucia Joyce // Musicality and transmission of the voice: James, John and Lucia Joyce

    Directory of Open Access Journals (Sweden)

    Renata Mattos

    2012-06-01

    Full Text Available Este artigo tem como objetivo trabalhar a temática da voz, da música e do traço em James Joyce, seu pai John e sua filha Lucia com o intuito de pensar as diferentes saídas possíveis face à questão do sintoma da carência paterna, seja pela elevação ao sinthoma pela escrita de uma obra literária no caso de Joyce, seja pela tentativa de manejo da voz através da dança, no caso de Lucia. Propomos tomar a escrita de James Joyce naquilo que ela nos oferece para pensar a relação entre uma escrita possível da voz e a invocação ao Pai, detendo-nos na transmissão da voz efetuada nestas três gerações da família Joyce, no que cada um deles pôde, de maneiras singulares, criar face ao real. // The aim of this paper is to work the thematic of the voice, the music and the trait in James Joyce, his father John and his daughter Lucia in order to think about the question of the elevation of the symptom of the lack of the father through the writing of James Joyce in his literary work as well as though the relation of Lucia with the dance. Our proposal is to reflect about the writing of Joyce to think about the relation between a possible writing of the voice and the invocation to the Father, as well as the transmission of the voice made in these three generations of the Joyce family in what each one of them could, in different ways, create guided by the real.

  8. Santa and the Moon

    NARCIS (Netherlands)

    Barthel, P.

    This article reflects on the use of illustrations of the Moon in images of Santa Claus, on Christmas gift-wrapping paper and in children's books, in two countries which have been important in shaping the image of Santa Claus and his predecessor Sinterklaas: the USA and the Netherlands. The

  9. Genetics and shell morphometrics of assimineids (Mollusca, Caenogastropoda, Truncatelloidea) in the St Lucia Estuary, South Africa.

    Science.gov (United States)

    Miranda, Nelson A F; van Rooyen, Ryan; MacDonald, Angus; Ponder, Winston; Perissinotto, Renzo

    2014-01-01

    The Assimineidae are a family of amphibious microgastropods that can be mostly found in estuaries and mangroves in South Africa. These snails often occur in great numbers and are ecologically important to the St Lucia Estuary, which forms a crucial part of the iSimangaliso Wetland Park, a UNESCO World Heritage Site. Genetic and shell morphometric analyses were conducted on individuals collected from nine localities distributed from the northern lake regions to the southern lake and the mouth of the St Lucia estuarine lake. Mitochondrial (COI) and nuclear (28S) DNA was used to construct Bayesian Inference, Neighbour-joining, Maximum Parsimony and Maximum Likelihood trees. Principal Component Analysis and Cluster Analysis were performed on standard shell parameter data. Results indicate that two different taxa are present in St Lucia. The taxon comprising individuals from the South Lake and St Lucia Estuary Mouth is identified as Assiminea cf. capensis Bartsch, in accordance with the latest taxonomic consensus. The taxon comprising assimineid individuals from False Bay, North Lake and South Lake, is here tentatively named "Assiminea" aff. capensis (Sowerby). These two taxa exhibit patterns of spatial overlap that appear to vary depending on environmental parameters, particularly salinity. The need to resolve the complex taxonomy of assimineids is highlighted.

  10. The response of the diatom flora of St Lucia Lake and estuary, South ...

    African Journals Online (AJOL)

    Lake St. Lucia, South Africa's largest estuarine system, was isolated from the sea by a beach berm throughout a severe drought from 2002 to 2007, with the lake water level being extremely low over much of its total area. A reverse salinity gradient resulted, with the lowest salinity in the south near the sea and the highest in ...

  11. Sustainable development and the environment: lessons from the St Lucia environmental impact assessment

    CSIR Research Space (South Africa)

    Kruger, FJ

    1997-01-01

    Full Text Available The environmental impact assessment (ETA) on the effects of the proposed mining on the Eastern Shores of Lake St Lucia was arguably the largest and most transparent yet undertaken on the African continent. It assessed the consequences of proposed...

  12. St. Lucia, West Indies Ministry of Education Public Library & Information Services: A Status Report with Recommendations.

    Science.gov (United States)

    Brown, Gerald R., Comp.

    This report assesses the current stage of program development in the branch libraries of the Saint Lucia Public Library and Information System (PLIS), based on data collected during September-December 1997 using a branch library questionnaire, site visits, and informal surveys of library users. The vision and philosophical statements used to frame…

  13. Development and Strengthening of Agricultural Education in St. Lucia. A Report.

    Science.gov (United States)

    Meaders, O. Donald

    A study examined present agricultural education programs in Saint Lucia and made recommendations for needed improvements. Data for the evauation were obtained from numerous documents and publications, field trips, and discussions with key officials in various ministries and institutions, including the Ministry of Agriculture, Ministry of…

  14. Diversity and distribution of polyphagan water beetles (Coleoptera) in the Lake St Lucia system, South Africa.

    Science.gov (United States)

    Bird, Matthew S; Bilton, David T; Perissinotto, Renzo

    2017-01-01

    Water beetles belonging to the suborder Polyphaga vary greatly in larval and adult ecologies, and fulfil important functional roles in shallow-water ecosystems by processing plant material, scavenging and through predation. This study investigates the species richness and composition of aquatic polyphagan assemblages in and around the St Lucia estuarine lake (South Africa), within the iSimangaliso Wetland Park, a UNESCO World Heritage Site. A total of 32 sites were sampled over three consecutive collection trips between 2013 and 2015. The sites encompassed a broad range of aquatic habitats, being representative of the variety of freshwater and estuarine environments present on the St Lucia coastal plain. Thirty-seven polyphagan taxa were recorded during the dedicated surveys of this study, in addition to seven species-level records from historical collections. Most beetles recorded are relatively widespread Afrotropical species and only three are endemic to South Africa. Samples were dominated by members of the Hydrophilidae (27 taxa), one of which was new to science ( Hydrobiomorpha perissinottoi Bilton, 2016). Despite the fauna being dominated by relatively widespread taxa, five represent new records for South Africa, highlighting the poor state of knowledge on water beetle distribution patterns in the region. Wetlands within the dense woodland characterising the False Bay region of St Lucia supported a distinct assemblage of polyphagan beetles, whilst sites occurring on the Eastern and Western Shores of Lake St Lucia were very similar in their beetle composition. In line with the Afrotropical region as a whole, the aquatic Polyphaga of St Lucia appear to be less diverse than the Hydradephaga, for which 68 species were recorded during the same period. However, the results of the present study, in conjunction with those for Hydradephaga, show that the iSimangaliso Wetland Park contains a high beetle diversity. The ongoing and future ecological protection of not

  15. An annotated checklist of scale insects (Hemiptera: Coccoidea) of Saint Lucia, Lesser Antilles .

    Science.gov (United States)

    Malumphy, Chris

    2014-07-31

    An annotated list of 83 scale insect species (Hemiptera: Sterorrhyncha: Coccoidea) recorded from Saint Lucia is presented, based on data gathered from UK quarantine interceptions, samples collected in an urban coastal habitat in the North West of the Island in 2013, and published records. Thirty-three species (40%) are recorded for the first time for the country, including Dysmicoccus joannesiae (Costa Lima), a South American mealybug, and Poliaspoides formosana (Takahashi), an Asian armoured scale insect pest of bamboo, which are new for the Caribbean region. The economic, environmental and social impacts caused by introduced exotic species of scale insect are discussed. Two predatory midges Diadiplosis ?coccidivora (Felt) and Diadiplosis multifila (Felt) (Diptera: Cecidomyiidae) are recorded for the first time from Saint Lucia. The latter species was observed causing 90% mortality of a large infestation of passion vine mealybug Planococcus minor (Maskell) on soursop fruit. 

  16. Diversity and distribution of polyphagan water beetles (Coleoptera in the Lake St Lucia system, South Africa

    Directory of Open Access Journals (Sweden)

    Matthew S. Bird

    2017-02-01

    Full Text Available Water beetles belonging to the suborder Polyphaga vary greatly in larval and adult ecologies, and fulfil important functional roles in shallow-water ecosystems by processing plant material, scavenging and through predation. This study investigates the species richness and composition of aquatic polyphagan assemblages in and around the St Lucia estuarine lake (South Africa, within the iSimangaliso Wetland Park, a UNESCO World Heritage Site. A total of 32 sites were sampled over three consecutive collection trips between 2013 and 2015. The sites encompassed a broad range of aquatic habitats, being representative of the variety of freshwater and estuarine environments present on the St Lucia coastal plain. Thirty-seven polyphagan taxa were recorded during the dedicated surveys of this study, in addition to seven species-level records from historical collections. Most beetles recorded are relatively widespread Afrotropical species and only three are endemic to South Africa. Samples were dominated by members of the Hydrophilidae (27 taxa, one of which was new to science (Hydrobiomorpha perissinottoi Bilton, 2016. Despite the fauna being dominated by relatively widespread taxa, five represent new records for South Africa, highlighting the poor state of knowledge on water beetle distribution patterns in the region. Wetlands within the dense woodland characterising the False Bay region of St Lucia supported a distinct assemblage of polyphagan beetles, whilst sites occurring on the Eastern and Western Shores of Lake St Lucia were very similar in their beetle composition. In line with the Afrotropical region as a whole, the aquatic Polyphaga of St Lucia appear to be less diverse than the Hydradephaga, for which 68 species were recorded during the same period. However, the results of the present study, in conjunction with those for Hydradephaga, show that the iSimangaliso Wetland Park contains a high beetle diversity. The ongoing and future ecological

  17. FRACTIONAL BANKING

    OpenAIRE

    Maria Klimikova

    2010-01-01

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

  18. Santa Fe Accelerator Conference

    International Nuclear Information System (INIS)

    Anon.

    1983-01-01

    The 10th USA National Particle Accelerator Conference was hosted this year by the Los Alamos National Laboratory in Santa Fe from 21-23 March. It was a resounding success in emphasizing the ferment of activity in the accelerator field. About 900 people registered and about 500 papers were presented in invited and contributed talks and poster sessions

  19. Santa Fe Linac Conference

    International Nuclear Information System (INIS)

    Anon.

    1982-01-01

    The 1981 Linear Accelerator Conference, organized by Los Alamos National Laboratory, was held from 19-23 October in Santa Fe, New Mexico. The surroundings were superb and helped to ensure a successful meeting. There were more than two hundred and twenty participants, with good representation from Japan and Western Europe

  20. Training needs assessment of health care professionals in a developing country: the example of Saint Lucia.

    Science.gov (United States)

    Gaspard, Janice; Yang, Che-Ming

    2016-04-16

    Continuing education (CE) is crucial for quality improvement in health care. The needs assessment of CE helps ensure effectiveness. However, such an assessment necessitates certain techniques that are unfamiliar to health care communities in developing countries. This study identifies the needs of providing CE to health care personnel in Saint Lucia. This study was designed as a questionnaire survey to investigate the demographics, training needs, and preferred approaches to improve performance of the target population. The study population included the health care professionals of major public health care facilities in Saint Lucia. We used the World Health Organization-adopted Hennessy Hicks Training Needs Analysis Questionnaire, a self-reported close-ended structured questionnaire with a core set of 30 items. These items refer to tasks that are central to the role of health care professionals and are categorized into six superordinate categories: research/audit, communication/teamwork, clinical skills, administrative, managerial/supervisory, and continuing professional education. In total, 208 questionnaires were distributed; the response rate was 66.8%, and most respondents were nurses. The need for continuing professional education was rated the highest priority, followed by research/audit activities. The evidence suggests that most respondents required training in communication skills, management, clinical skills, and research methods. Providing training according to the needs is vital, particularly in developing countries. The present research methodology and findings offer perspectives on how to conduct needs assessment and offer reference points for developing countries whose background and health care environment are similar to those of Saint Lucia.

  1. Whose Knowledge, Whose Values? The Contribution of Local Knowledge to Education Policy Processes: A Case Study of Research Development Initiatives in the Small State of Saint Lucia

    Science.gov (United States)

    Holmes, Keith; Crossley, Michael

    2004-01-01

    This paper draws upon a case study of education in the small Caribbean state of Saint Lucia (population 154,000) to examine how local knowledge and values can influence the education policy process. It is argued that recent research development initiatives have strengthened the ability of Saint Lucia to mediate international education agendas to…

  2. Biodiversity census of Lake St Lucia, iSimangaliso Wetland Park (South Africa: Gastropod molluscs

    Directory of Open Access Journals (Sweden)

    Renzo Perissinotto

    2014-09-01

    Full Text Available The recent dry phase experienced by the St Lucia estuarine system has led to unprecedented desiccation and hypersaline conditions through most of its surface area. This has changed only recently, at the end of 2011, with the onset of a new wet phase that has already caused a major shift to oligo- and mesohaline conditions. The estuary mouth, however, remains closed to the ocean, making the weak connection recently established between the St Lucia and the Mfolozi estuaries the only conveyance for marine recruitment. As a result, only 10 indigenous and two alien aquatic gastropod species are currently found living in the St Lucia estuarine lake. This is out of a total of 37 species recorded within the system since the earliest survey undertaken in 1924, half of which have not been reported in the literature before. The tick shell, Nassarius kraussianus, which was consistently found in large abundance prior to the recent dry phase, appears to have temporarily disappeared from the system, probably as a result of the extinction of Zostera marine grasses inside the lake. Population explosions of the bubble shell Haminoea natalensis, with its distinct egg masses, were recorded seasonally until 2009, but the species has subsequently not been observed again. A molecular DNA analysis of the various populations previously reported as belonging to the same assimineid species, variably referred to as Assiminea capensis, A. ovata, or A. bifasciata, has revealed that the St Lucia assemblage actually comprises two very distinct taxa, A. cf. capensis and a species provisionally referred to here as “A.” aff. capensis or simply Assimineidae sp. In the mangroves, the climbing whelk Cerithidea decollata is still found in numbers, while ellobiids such as Cassidula labrella, Melampus semiaratus and M. parvulus are present in low abundances and all previously recorded littorinids have disappeared. A number of alien freshwater species have colonized areas of the

  3. Biodiversity census of Lake St Lucia, iSimangaliso Wetland Park (South Africa): Gastropod molluscs.

    Science.gov (United States)

    Perissinotto, Renzo; Miranda, Nelson A F; Raw, Jacqueline L; Peer, Nasreen

    2014-01-01

    The recent dry phase experienced by the St Lucia estuarine system has led to unprecedented desiccation and hypersaline conditions through most of its surface area. This has changed only recently, at the end of 2011, with the onset of a new wet phase that has already caused a major shift to oligo- and mesohaline conditions. The estuary mouth, however, remains closed to the ocean, making the weak connection recently established between the St Lucia and the Mfolozi estuaries the only conveyance for marine recruitment. As a result, only 10 indigenous and two alien aquatic gastropod species are currently found living in the St Lucia estuarine lake. This is out of a total of 37 species recorded within the system since the earliest survey undertaken in 1924, half of which have not been reported in the literature before. The tick shell, Nassarius kraussianus, which was consistently found in large abundance prior to the recent dry phase, appears to have temporarily disappeared from the system, probably as a result of the extinction of Zostera marine grasses inside the lake. Population explosions of the bubble shell Haminoea natalensis, with its distinct egg masses, were recorded seasonally until 2009, but the species has subsequently not been observed again. A molecular DNA analysis of the various populations previously reported as belonging to the same assimineid species, variably referred to as Assiminea capensis, A. ovata, or A. bifasciata, has revealed that the St Lucia assemblage actually comprises two very distinct taxa, A. cf. capensis and a species provisionally referred to here as "A." aff. capensis or simply Assimineidae sp. In the mangroves, the climbing whelk Cerithidea decollata is still found in numbers, while ellobiids such as Cassidula labrella, Melampus semiaratus and M. parvulus are present in low abundances and all previously recorded littorinids have disappeared. A number of alien freshwater species have colonized areas of the system that have remained

  4. Islamic banking

    OpenAIRE

    Pak, Viktoriya

    2010-01-01

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

  5. The occupational health of Santa Claus

    OpenAIRE

    Straube, Sebastian; Fan, Xiangning

    2015-01-01

    Previous publications in the field of Santa studies have not focused on health and safety issues arising from Santa?s workplace activities. However, it should be acknowledged that unique occupational hazards exist for Santa Claus. Major occupational health issues affecting Santa are discussed, along with suggestions for future research directions.

  6. Banking contracts

    OpenAIRE

    Durčáková, Klára

    2010-01-01

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

  7. Effects of Protection and Sediment Stress on Coral Reefs in Saint Lucia.

    Science.gov (United States)

    Bégin, Chantale; Schelten, Christiane K; Nugues, Maggy M; Hawkins, Julie; Roberts, Callum; Côté, Isabelle M

    2016-01-01

    The extent to which Marine Protected Areas (MPAs) benefit corals is contentious. On one hand, MPAs could enhance coral growth and survival through increases in herbivory within their borders; on the other, they are unlikely to prevent disturbances, such as terrestrial runoff, that originate outside their boundaries. We examined the effect of spatial protection and terrestrial sediment on the benthic composition of coral reefs in Saint Lucia. In 2011 (10 to 16 years after MPAs were created), we resurveyed 21 reefs that had been surveyed in 2001 and analyzed current benthic assemblages as well as changes in benthic cover over that decade in relation to protection status, terrestrial sediment influence (measured as the proportion of terrigenous material in reef-associated sediment) and depth. The cover of all benthic biotic components has changed significantly over the decade, including a decline in coral and increase in macroalgae. Protection status was not a significant predictor of either current benthic composition or changes in composition, but current cover and change in cover of several components were related to terrigenous content of sediment deposited recently. Sites with a higher proportion of terrigenous sediment had lower current coral cover, higher macroalgal cover and greater coral declines. Our results suggest that terrestrial sediment is an important factor in the recent degradation of coral reefs in Saint Lucia and that the current MPA network should be complemented by measures to reduce runoff from land.

  8. Sustainability Analysis of the Water Resources and Supply of the Vieux Fort Region of Saint Lucia

    Science.gov (United States)

    Coles, D.; Johnson, B.; Morgan, F.

    2005-05-01

    In the Vieux Fort region of the Caribbean island of St. Lucia, water needs are becoming acute. The water supply shortfalls during the dry season will continue to grow as population and development increase, unless action is taken. Actions to address the problem should include measures to optimize the present water delivery system and the development of a new supply, through new intakes, groundwater, or reservoir construction. An investigation into the potential for groundwater resources using electrical resistivity soundings indicated a likely pervasive, shallow aquitard of clay materials below the water table; the shallowness of this aquitard virtually precludes the existence of productive perched aquifers. Consequently, a model of Grande Riviere du Vieux Fort (Big Vieux Fort River) seasonal surface-water flow was developed, based on a digital elevation model and rainfall data, allowing us to analyze the possible productivity of any new intakes placed along the river. A specific site downstream of the present intake was recommended for potential development. Recommendations were given for short, medium and long-term development of the resources and supply of the Vieux Fort region of southern St. Lucia.

  9. Effects of Protection and Sediment Stress on Coral Reefs in Saint Lucia.

    Directory of Open Access Journals (Sweden)

    Chantale Bégin

    Full Text Available The extent to which Marine Protected Areas (MPAs benefit corals is contentious. On one hand, MPAs could enhance coral growth and survival through increases in herbivory within their borders; on the other, they are unlikely to prevent disturbances, such as terrestrial runoff, that originate outside their boundaries. We examined the effect of spatial protection and terrestrial sediment on the benthic composition of coral reefs in Saint Lucia. In 2011 (10 to 16 years after MPAs were created, we resurveyed 21 reefs that had been surveyed in 2001 and analyzed current benthic assemblages as well as changes in benthic cover over that decade in relation to protection status, terrestrial sediment influence (measured as the proportion of terrigenous material in reef-associated sediment and depth. The cover of all benthic biotic components has changed significantly over the decade, including a decline in coral and increase in macroalgae. Protection status was not a significant predictor of either current benthic composition or changes in composition, but current cover and change in cover of several components were related to terrigenous content of sediment deposited recently. Sites with a higher proportion of terrigenous sediment had lower current coral cover, higher macroalgal cover and greater coral declines. Our results suggest that terrestrial sediment is an important factor in the recent degradation of coral reefs in Saint Lucia and that the current MPA network should be complemented by measures to reduce runoff from land.

  10. Epidemiology and transmission of rotavirus infections and diarrhoea in St. Lucia, West Indies.

    Science.gov (United States)

    Henry, F J; Bartholomew, R K

    1990-12-01

    To determine the epidemiology and risk factors of rotavirus infections in St. Lucia, 229 children in three valleys with varying levels of sanitation were studied for 2 years. A four-fold rise in complement fixation antibody to rotavirus antigen was used in paired samples as evidence of recent infection. Results showed that forty-eight per cent of infants experienced at least one infection during a two-year period, and 17% of children were reinfected. Infections occurred within the first months of life and peaked between 6 and 23 months of age. The peak infection coincided with the dry season in each age group. Children breast-feeding had fewer infections. Although crowding within the home was significantly associated with repeated infection, the incidence of infection was not affected by the degree of sanitation. Other studies in the region, using recently developed techniques, concur with these findings which advance our understanding of the epidemiological importance of rotavirus in St. Lucia. Although these studies provide insights into the risk factors for rotavirus infections, other studies are required to determine whether investments should be focused on improved sanitation or immunization or both.

  11. Genetics and shell morphometrics of assimineids (Mollusca, Caenogastropoda, Truncatelloidea in the St Lucia Estuary, South Africa

    Directory of Open Access Journals (Sweden)

    Nelson Miranda

    2014-06-01

    Full Text Available The Assimineidae are a family of amphibious microgastropods that can be mostly found in estuaries and mangroves in South Africa. These snails often occur in great numbers and are ecologically important to the St Lucia Estuary, which forms a crucial part of the iSimangaliso Wetland Park, a UNESCO World Heritage Site. Genetic and shell morphometric analyses were conducted on individuals collected from nine localities distributed from the northern lake regions to the southern lake and the mouth of the St Lucia estuarine lake. Mitochondrial (COI and nuclear (28S DNA was used to construct Bayesian Inference, Neighbour-joining, Maximum Parsimony and Maximum Likelihood trees. Principal Component Analysis and Cluster Analysis were performed on standard shell parameter data. Results indicate that two different taxa are present in St Lucia. The taxon comprising individuals from the South Lake and St Lucia Estuary Mouth is identified as Assiminea cf. capensis Bartsch, in accordance with the latest taxonomic consensus. The taxon comprising assimineid individuals from False Bay, North Lake and South Lake, is here tentatively named “A.” aff. capensis (Sowerby. These two taxa exhibit patterns of spatial overlap that appear to vary depending on environmental parameters, particularly salinity. The need to resolve the complex taxonomy of assimineids is highlighted.

  12. About Banking.

    Science.gov (United States)

    Pieslak, Raymond F.

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

  13. A Proposed Community Network For Monitoring Volcanic Emissions In Saint Lucia, Lesser Antilles

    Science.gov (United States)

    Joseph, E. P.; Beckles, D. M.; Robertson, R. E.; Latchman, J. L.; Edwards, S.

    2013-12-01

    Systematic geochemical monitoring of volcanic systems in the English-speaking islands of the Lesser Antilles was initiated by the UWI Seismic Research Centre (SRC) in 2000, as part of its volcanic surveillance programme for the English-speaking islands of the Lesser Antilles. This programme provided the first time-series observations used for the purpose of volcano monitoring in Dominica and Saint Lucia, permitted the characterization of the geothermal fluids associated with them, and established baseline studies for understanding of the hydrothermal systems during periods of quiescence (Joseph et al., 2011; Joseph et al., 2013). As part of efforts to improve and expand the capacity of SRC to provide volcanic surveillance through its geothermal monitoring programme, it is necessary to develop economically sustainable options for the monitoring of volcanic emissions/pollutants. Towards this effort we intend to work in collaboration with local authorities in Saint Lucia, to develop a monitoring network for quantifying the background exposure levels of ambient concentrations of volcanic pollutants, SO2 in air and As in waters (as health significant marker elements in the geothermal emissions) that would serve as a model for the emissions monitoring network for other volcanic islands. This programme would facilitate the building of local capacity and training to monitor the hazardous exposure, through the application and transfer of a regionally available low-cost and low-technology SO2 measurement/detection system in Saint Lucia. Existing monitoring technologies to inform evidence based health practices are too costly for small island Caribbean states, and no government policies or health services measures currently exist to address/mitigate these influences. Gases, aerosols and toxic elements from eruptive and non-eruptive volcanic activity are known to adversely affect human health and the environment (Baxter, 2000; Zhang et al., 2008). Investigations into the

  14. The parasitism of Ixodes luciae (Acari: Ixodidae on marsupials and rodents in Peruvian Amazon O parasitismo do Ixodes luciae (Acari: ixodidae em marsupiais e em roedores na Amazônia Peruana

    Directory of Open Access Journals (Sweden)

    María Mónica Díaz

    2009-01-01

    Full Text Available In this work the infestation with I. luciae on Didelphimorphia and Rodentia in different environments of Peruvian Amazon was studied. Didelphimorphia was represented by the family Didelphidae. Specimens belonging to Caluromys lanatus, Didelphis marsupialis, Marmosops sp.2, Metachirus nudicaudatus, Philander andersoni and Philander opossum were infested with adults I. luciae and one Micoureus sp. was infested with larvae. In Rodentia, the infestation with I. luciae nymphs was restricted to Hylaeamys perenensis, Hylaeamys yunganus and Oligoryzomys microtis, while one Oecomys bicolor (all Cricetidae was infested with larvae of this species. The few larvae were found on rodents captured in primary forest. The only significant difference (P No presente trabalho, infestações por Ixodes luciae em Didelphimorphia e Rodentia em diferentes ambientes da Amazônia peruana foram estudadas. Didelphimorphia foi representada pela família Didelphidae. Espécimes pertencentes a Caluromys lanatus, Didelphis marsupialis, Marmosops sp., Metachirus nudicaudatus, Philander andersoni e Philander opossum foram encontrados infestadas por adultos de I. luciae; um Micoureus sp. foi encontrado infestado por larvas. Em Rodentia, a infestação por ninfas de I. luciae estiveram restritas a Hylaeamys perenensis, Hylaeamys yunganus e Oligoryzomys microtis, enquanto que um Oecomys bicolor (todos Cricetidae esteve infestado por larvas de I. luciae. As poucas larvas foram encontradas em roedores capturados na floresta primária. A única diferença significante (P < 0.05 na prevalência de carrapatos adultos em Didelphimorphia foi entre P. andersoni e M. nudicaudatus (distribuição chi-quadrado. A distribuição de carrapatos adultos foi significativamente diferente em P. andersoni quando comparado com M. nudicaudatus, P. opossum e D. marsupialis (teste Kruskal-Wallis. Nenhum efeito significante do mês ou ambiente foi observado em relação à infestação por carrapato

  15. Sedimentary environment and facies of St Lucia Estuary Mouth, Zululand, South Africa

    Science.gov (United States)

    Wright, C. I.; Mason, T. R.

    The St. Lucia Estuary is situated on the subtropical, predominantly microtidal Zululand coast. Modern sedimentary environments within the estuary fall into three categories: (1) barrier environments; (2) abandoned channel environments; and (3) estuarine/lagoonal environments. The barrier-associated environment includes tidal inlet channel, inlet beach face, flood-tidal delta, ebb-tidal delta, spit, backspit and aeolian dune facies. The abandoned channel environment comprises washover fan, tidal creek tidal creek delta and back-barrier lagoon facies. The estuarine/lagoonal environment includes subtidal estuarine channel, side-attached bar, channel margin, mangrove fringe and channel island facies. Each sedimentary facies is characterised by sedimentary and biogenic structures, grain-size and sedimentary processes. Vertical facies sequences produced by inlet channel migration and lagoonal infilling are sufficiently distinct to be recognized in the geological record and are typical of a prograding shoreline.

  16. An Evolutionary Approach to Adaptive Capacity Assessment: A Case Study of Soufriere, Saint Lucia

    Directory of Open Access Journals (Sweden)

    James Ryan Hogarth

    2016-03-01

    Full Text Available This paper assesses the capacity of Soufriere, Saint Lucia to adapt to climate change. A community-based vulnerability assessment was conducted that employed semi-structured interviews with community members. The results were analysed using the Local Adaptive Capacity (LAC framework, which characterises adaptive capacity based on five elements: asset base; institutions and entitlements; knowledge and information; innovation; and flexible forward-looking decision-making and governance. Beyond providing an in-depth analysis of Soufriere’s capacity to adapt to climate change, the paper argues that the elements of the LAC framework largely correspond with an evolutionary perspective on adaptive capacity. However, other evolutionary themes—such as structure, history, path-dependency, scale, agency, conservation of diversity, and the perils of specialisation—should also be taken into account.

  17. Globalization, urbanization, and language in Caribbean development: the assimilation of St. Lucia

    Directory of Open Access Journals (Sweden)

    Aonghas St-Hilaire

    2003-01-01

    Full Text Available Discusses the trend toward Anglicization in St. Lucia, and the increasing demise of the Kwéyòl language in the historically Kweyol-speaking rural districts, related to perceived opportunities for economic advancement. Author explains how this influence of Anglicization spread from the, more English-focused, capital Castries to the rural areas of the islands. He places this perception of English for economic possibilities (of children, partly also fueled by US impact, alongside the gains of cultural nationalism including Kwéyòl promotion in the past 3 decades, such as increasing use of the language on the radio and festivals. Kwéyòl is also seen as a part of an St. Lucian identity. He points out how, nonetheless, the government or parents do not really invest in it, and favor knowledge of English among children.

  18. Risk behaviours and healthcare needs of homeless drug users in Saint Lucia and Trinidad.

    Science.gov (United States)

    Day, Marcus; Devieux, Jessy G; Reid, Sandra D; Jones, Dionne J; Meharris, Joseph; Malow, Robert M

    2004-01-01

    In the Caribbean AIDS has become the leading cause of death among those aged 15-45. The homeless are at high risk due to the nexus of mobility, psychiatric disorders and substance use, particularly crack. Seventy-four homeless, out-of-treatment drug users were recruited in Saint Lucia and Trinidad to assess risk behaviour and healthcare needs. Information was collected in several domains: medical, mental health, substance use, sexual risk, and barriers to care. Ninety-five percent of the sample reported crack cocaine use within the previous 30 days. Approximately 35% of the sample had ever been diagnosed with a sexually transmitted disease and 25% of the sample reported being HIV+. Approximately 40% had a history of trading sex for crack or money. Due to the range of needs in this population, interventions should be multimodal. A focus on the individual, community, and structural levels is warranted to improve chances of program effectiveness.

  19. Análise das atividades dos oito anos iniciais do Banco de Valvas Cardíacas Humanas do Hospital de Caridade da Irmandade da Santa Casa de Misericórdia de Curitiba Analysis of the inicial eight years of activities of the Human Heart Valve Bank of the Hospital de Caridade da Irmandade da Santa Casa de Misericórdia de Curitiba

    Directory of Open Access Journals (Sweden)

    Marise Teresinha Brenner Affonso da Costa

    2005-12-01

    ídos 1338 enxertos para 74 instituições de saúde do país, sendo mais comumente empregados na substituição da valva aórtica (529, na correção de cardiopatias congênitas (478 e durante operações de Ross (272. CONCLUSÕES: As atividades do BVCHSC durante estes oito anos de funcionamento foram satisfatórias, atingindo os objetivos propostos.OBJECTIVE: The aim of this study was to retrospectively evaluate the first eight years of activities of the Human Heart Valve Bank of Hospital de Caridade da Irmandade da Santa Casa de Curitiba (BVCHSC, analysing aspects related to procurement, processing, storage and distribution of homologous cardiovascular grafts. METHOD: Initial donor screening was achieved according the national guidelines for human organ procurement, besides specific BVCHSC criteria. Hearts were obtained from multiple organ donors, non-beating heart donors and heart transplant recipients, with total ischemic times under 48 hours. Donor ages varied from neonates up to 60 years for aortic valves and 65 years for pulmonary valves. The dissected grafts had their dimensions measured and their morphology evaluated, using a classification system with category 0 (discarded, 1 (minimal morphological alterations and 2 (perfect. The incidence and microorganisms responsible for organ contamination were determined, as was the efficiency of the decontamination solution. Aspects related to graft distribution were also analysed. RESULTS: From September 1996 to February 2005, 1059 hearts from 19 Brazilian states were recevied at BVCHSC. From these, 977 (92.3% were from brain-death donors. A total of 2105 grafts were processed and of the aortic and pulmonary grafts that were analysed, 783 were in category 2, 697 in category 1 and 186 were discarded due to morphological abnormalities. In total, 433 received grafts were contamined and the sterilization solution was efficient in 330 cases. 571 (27.1% grafts were rejected during some phase of the processing, mainly due to

  20. 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...

  1. Sintomatologia músculo-esquelética relacionada ao trabalho e sua relação com qualidade de vida em bancários do Meio Oeste Catarinense Work-related musculoskeletal symptoms and its relationship with the quality of life of bank employees' in the Middle West of Santa Catarina, Brazil

    Directory of Open Access Journals (Sweden)

    Cristian Robert Mergener

    2008-12-01

    Full Text Available O objetivo deste estudo foi estimar a prevalência de sintomatologia músculo-esquelética relacionada ao trabalho e sua relação com qualidade de vida em bancários do Meio Oeste Catarinense. Realizou-se um estudo transversal envolvendo todos os bancários (N = 263 das agências existentes nos 13 municípios da região. Aplicou-se questionário abordando questões de ordem sociodemográfica, de trabalho e referentes aos sintomas músculo-esqueléticos. Para as questões de qualidade de vida, utilizou-se o questionário WHOQOL-Bref. O relato de sintomatologia músculo-esquelética foi a variável dependente. Procedeu-se análise de regressão logística múltipla para testar a associação entre as variáveis do estudo. A prevalência de sintomatologia músculo-esquelética foi de 72,8%. Os bancários com posição não alternada de trabalho apresentaram prevalência 20% [RP 1,20 (IC95% 1,02-1,41] (p = 0,029 maior de sintomatologia músculo-esquelética comparada a seus colegas que trabalhavam em posições alternadas. A inexistência de pausa na jornada diária mostrou-se associada à ocorrência, obtendo-se uma prevalência 31% [RP 1,31 (IC95% 1,06-1,61] (p = 0,011 maior de sintomatologia músculo-esquelética em comparação aos bancários que tinham pausa. O estudo de correlação entre o número de sintomas músculo-esqueléticos e os aspectos da qualidade de vida mostrou correlações negativas fracas nos domínios psíquico, social e ambiental. Somente o domínio físico apresentou correlação negativa moderada (R = -0,411 (p The objective of the present study was estimate the prevalence of work-related musculoskeletal symptoms and their relationship with the quality of life of bank employees in the Middle West of Santa Catalina. A cross sectional study was carried out involving all bank workers (N = 263 of the 13 cities of the Middle West region of Santa Catalina, Brazil. Questionnaires regarding socio-demographic and work

  2. A Collaborative Approach to Monitoring Ambient Volcanogenic Pollution at Sulphur Springs, Saint Lucia.

    Science.gov (United States)

    Joseph, E. P.; Beckles, D. M.; Cox, L.; Jackson, V. B.; Alexander, D.

    2015-12-01

    The role of volcano tourism is recognized as an important contributor to the economy of volcanic islands in the Lesser Antilles. However, if it is to be promoted as a sustainable sector of the tourism industry, visitors, tour operators, and vendors must be made aware of the potential health hazards facing them in volcanic environments. Volcanogenic air pollutants are of primary concern in this setting. In general, no warning signs, guidelines for recreational use, or emissions monitoring currently exists to provide warning to the public to decrease their vulnerability to the potential risks, or to minimize the liability of the agencies managing these areas. Sulphur Springs Park in Saint Lucia is a popular international destination, and concerns about the volcanic emissions and its possible health effect have been raised by visitors, staff, and management of the Park. As part of the responsibility of the UWI, Seismic Research Centre (SRC) to provide volcanic surveillance through its geothermal monitoring programme, a network was established for quantifying the ambient SO2 concentrations at Sulphur Springs in order to assess the potential risk of unsafe exposure. This effort required collaboration with the National Emergency Management Organization (NEMO) of Saint Lucia, as well as the staff and management of the Soufrière Regional Development Foundation (SRDF). Local personnel were trained in the active field sampling and analytical techniques required for the assessment of ambient SO2 concentrations over the monitoring period, thereby contributing to an active community-based effort. This type of approach was also thought to be an effective option for scientists to engage communities as partners in disaster risk reduction. Lessons learnt from this experience are presented for the benefit of other citizen monitoring projects, including its use as a tool for promoting volcanic hazard education, and enhancing communication and understanding between geoscientists and

  3. Monitoring Persistent Volcanic Emissions from Sulphur Springs, Saint Lucia: A Community Approach to Disaster Risk Reduction

    Science.gov (United States)

    Joseph, E. P.; Beckles, D. M.; Cox, L.; Jackson, V. B.; Alexander, D.

    2014-12-01

    Volcanic and geothermal emissions are known natural sources of volatiles to the atmosphere. Volcanogenic air pollutants known to cause the most serious impact are carbon dioxide (CO2), sulphur dioxide (SO2), hydrogen chloride (HCl) and hydrogen fluoride (HF). Some studies into the potential for volcanic emissions to produce chronic diseases in humans indicate that areas of major concern include respiratory problems, particularly silicosis (Allen et al. 2000; Baxter et al. 1999; Buist et al. 1986), psychological stress (Shore et al. 1986), and chemical impacts of gas or ash (Giammanco et al. 1998). Sulphur Springs Park in Saint Lucia has a very high recreational value with >200,000 visitors annually, while the nearby town of Soufrière has >8,400 residents. Residents and visitors have raised concerns about the volcanic emissions and its health effects. As part of the volcanic surveillance programme undertaken by the UWI, Seismic Research Centre (SRC) in Saint Lucia, a new monitoring network has been established for quantifying the ambient SO2 in air, to which staff and visitors at the volcanic park are exposed to. The implementation and continued operation of this network has involved the training of local personnel in the active field sampling and analytical techniques required for the assessment of ambient SO2 concentrations, using a low cost monitor as well as commercial passive samplers. This approach recognizes that environmental hazards are a usual part of life and productive livelihoods, and to minimize post-disaster response and recovery it is beneficial to promote preparedness and mitigation, which is best achieved at the local level with community involvement. It is also intended that the volcanic emissions monitoring network could be used as a method to establish and maintain community-based initiatives that would also be helpful when volcanic threat manifests.

  4. Estudio de factibilidad para la creación de una empresa productora y comercializadora de adoquines ubicada en el barrio Santa Lucía del retorno, Canton Ibarra provincia de Imbabura.

    OpenAIRE

    Pabón Torres, Natalia Belén

    2011-01-01

    El presente proyecto tiene como objetivo dar a conocer la creacion de una empresa productora y comercializadora de adoquines en el barrio Santa Lucia del retorno. Ciudad de Ibarra. Provincia de Imbabura. A raíz de la regeneración urbana que esta viviendo la ciudad de Ibarra, la utilización de los adoquines se ha vuelto la materia de prima en la construcción y mejoramiento de la capa de rodamiento de las calles de la urbe y debido de a sus caracteristicas fisicas el adoquin es un material m...

  5. Prevalence of Risk Factors for the Metabolic Syndrome in the Middle Income Caribbean Nation of St. Lucia

    Science.gov (United States)

    Cherry, Colleen O'Brien; Serieux, Elizabeth; Didier, Martin; Nuttal, Mary Elizabeth; Schuster, Richard J.

    2014-01-01

    The objective of this research was to measure the presence of metabolic syndrome risk factors in a sample population in the middle income Caribbean nation of St. Lucia and to identify the demographic and behavioral factors of metabolic syndrome among the study participants. Interviews and anthropometric measures were conducted with 499 St. Lucians of ages 18–99. Descriptive statistics were used for the analysis. Fifty-six percent of females and 18 percent of males had a waist size equal to or above the indicator for the metabolic syndrome. Behavioral risk factors such as sedentary lifestyle, smoking, and alcohol consumption varied by gender. Thirty-six percent of women and 22% of men reported a sedentary lifestyle and 43% of women and 65% of men reported any alcohol consumption. More research should be done to determine the cultural norms and gender differences associated with modifiable risk behaviors in St. Lucia. PMID:25309758

  6. Prevalence of Risk Factors for the Metabolic Syndrome in the Middle Income Caribbean Nation of St. Lucia

    Directory of Open Access Journals (Sweden)

    Colleen O’Brien Cherry

    2014-01-01

    Full Text Available The objective of this research was to measure the presence of metabolic syndrome risk factors in a sample population in the middle income Caribbean nation of St. Lucia and to identify the demographic and behavioral factors of metabolic syndrome among the study participants. Interviews and anthropometric measures were conducted with 499 St. Lucians of ages 18–99. Descriptive statistics were used for the analysis. Fifty-six percent of females and 18 percent of males had a waist size equal to or above the indicator for the metabolic syndrome. Behavioral risk factors such as sedentary lifestyle, smoking, and alcohol consumption varied by gender. Thirty-six percent of women and 22% of men reported a sedentary lifestyle and 43% of women and 65% of men reported any alcohol consumption. More research should be done to determine the cultural norms and gender differences associated with modifiable risk behaviors in St. Lucia.

  7. 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.

  8. LOS (AS ADOLESCENTES HABLAN DE PATERNIDAD Y MATERNIDAD EN CARTAGENA DE INDIAS: CASOS SANTA LUCÍA Y CEBALLOS

    Directory of Open Access Journals (Sweden)

    Carmen Alvear Romero

    2006-08-01

    Full Text Available El presente artículo hace una reflexión en torno a las demandas de cambio en el ejercicio de la Maternidad y Paternidad a partir de las representaciones sociales que sobre estas funciones parentales realizan hijos e hijas adolescentes en la ciudad de Cartagena, casos Santa Lucia y Ceballos. Develar las voces y significaciones de los(as jóvenes frente a categorías como autoridad, afectividad y división sexual de roles en el hogar, es una oportunidad para potenciar a esta población como protagonistas de nuevas formas de relación e interacción familiar y social, que complementa los tradicionales esquemas de entender e intervenir el sistema familiar

  9. Cord blood thyrotropin screening for congenital hypothyroidism. Three years' experience on the Island of Saint Lucia.

    Science.gov (United States)

    Sajous, C; Goto, M; Fitzgerald, M; Anderson, C L; Craft, W; Hurley, R M; Zeller, W P

    1991-01-01

    Cord blood thyrotropin (TSH) screening for congenital primary hypothyroidism has been in effect on the island of St. Lucia for the past three years. Umbilical cord blood samples are obtained on Guthrie filter paper and then transported 3,000 miles to Loyola University of Chicago and delivered to the Illinois State Metabolic Screening Laboratory. There TSH is measured by radioimmunoassay (RIA). After three years, 1,789 newborns have been screened, and the mean value is 6.23 +/- 0.13 microIU per ml. This mean value is less than previously reported by us in 1986 (10.23 +/- 0.29 microIU per ml).13 It is concluded that this screening service continues to be possible far removed from the population under observation. No case of primary hypothyroidism has been detected. Our decreased mean TSH value is due to the new method currently used by the Illinois State Metabolic Screening Laboratory. Congenital hypothyroidism will not be missed provided internal controls are established and rigidly observed.

  10. Routine focal mollusciciding after chemotherapy to control Schistosoma mansoni in Cul de Sac valley, Saint Lucia.

    Science.gov (United States)

    Barnish, G; Jordan, P; Bartholomew, R K; Grist, E

    1982-01-01

    Concluding results of a 10-year schistosomiasis control programme in Cul de Sac valley, Saint Lucia, are described. After an area-wide mollusciciding campaign (1970-75), and a surveillance/treatment programme supplemented with selective population chemotherapy in 1975 and 1976, prevalence rates of Schistosoma mansoni were reduced to low levels. To prevent a resurgence of transmission a cost effective routine focal mollusciciding programme, suitable for public health implementation was evaluated from 1977 to 1981. Streams and main collector drains in banana fields, considered to be potential S. mansoni transmission sites, were treated every four weeks with Bayluscide 6076 emulsifiable concentrate (Clonitralide). Snail populations were effectively controlled in the treated areas but large numbers were present where no treatment was given. Only 0 X 06% of sentinel snails became infected. Prevalence of infection in the human population remained low (over-all 5%) and intensity of infection at a level not normally associated with schistosomal disease. Since control started 10 years earlier the level of potential contamination has fallen by 92% in high transmission areas. The four-year programme cost US+12,909 of which 54% was for molluscicide, 27% for labour and 19% for transport, equipment and sundries. The average annual cost per head of population was US+0 X 46.

  11. Attitudes and practices of pesticide users in Saint Lucia, West Indies.

    Science.gov (United States)

    McDougall, L; Magloire, L; Hospedales, C J; Tollefson, J E; Ooms, M; Singh, N C; White, F M

    1993-01-01

    This article reports the results of a Saint Lucia survey, part of a larger program, that was the first to document the prevalence of suboptimal safety practices among vector control and farm workers using pesticides in the English-speaking Caribbean. Among other things, the survey found that many of 130 pesticide users surveyed were unaware that the skin and eyes were important potential routes of absorption. Over a quarter said they had felt ill at some point as a result of pesticide use. About half the respondents said they had received more than "introductory" training in safe pesticide use, and most said they always found labels or directions affixed to pesticide containers. However, about half said they never or only sometimes understood the labels, and many of those who said they understood did not always follow the instructions. About a quarter of the smokers said they smoked while using pesticides; about a sixth of the survey subjects said they ate food while using pesticides; and over 60% said they never wore protective clothing.

  12. 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...

  13. A quantitative analysis of surgical capacity in Santa Cruz, Bolivia.

    Science.gov (United States)

    Markin, Abraham; Barbero, Roxana; Leow, Jeffrey J; Groen, Reinou S; Skow, Evan J; Apelgren, Keith N; Kushner, Adam L; Nwomeh, Benedict C

    2013-11-01

    This investigation aimed to document surgical capacity at public medical centers in a middle-income Latin American country using the Surgeons OverSeas (SOS) Personnel, Infrastructure, Procedures, Equipment, and Supplies (PIPES) survey tool. We applied the PIPES tool at six urban and 25 rural facilities in Santa Cruz, Bolivia. Outcome measures included the availability of items in five domains (Personnel, Infrastructure, Procedures, Equipment, and Supplies) and the PIPES index. PIPES indices were calculated by summing scores from each domain, dividing by the total number of survey items, and multiplying by 10. Thirty-one of the 32 public facilities that provide surgical care in Santa Cruz were assessed. Santa Cruz had at least 7.8 surgeons and 2.8 anesthesiologists per 100,000 population. However, these providers were unequally distributed, such that nine rural sites had no anesthesiologist. Few rural facilities had blood banking (4/25), anesthesia machines (11/25), postoperative care (11/25), or intensive care units (1/25). PIPES indices ranged from 5.7-13.2, and were significantly higher in urban (median 12.6) than rural (median 7.8) areas (P Bolivia's development status. Unfortunately, surgeons are limited in rural areas by deficits in anesthesia and perioperative services. These results are currently being used to target local quality improvement initiatives. Copyright © 2013 Elsevier Inc. All rights reserved.

  14. Do Zircon age Spectra Record Magmatic Cyclicity at Soufrière (Saint Lucia, Lesser Antilles)?

    Science.gov (United States)

    Schmitt, A. K.; Stockli, D. F.; Lindsay, J. M.

    2007-12-01

    The Soufrière Volcanic Center (Saint Lucia, Lesser Antilles) is a long-lived arc-volcanic system that evolved over the past 5 - 6 Ma. Its most recent volcanic activity between 20 and 40 ka was concentrated within the prominent Qualibou topographic depression and produced two voluminous pyroclastic deposits: Choiseul and the overlying Belfond. In addition, several dacitic lava domes exist within the Qualibou depression. Because evidence of earlier volcanic activity in long-lived magma systems is frequently obliterated by subsequent eruptive or volcano-tectonic events, high spatial resolution U-Th dating of zircon combined with (U-Th)/He dating is a powerful tool to identify magma crystallization episodes at depth and to link these to the eruptive record. U-Th model ages and disequilibrium corrected U-Pb ages for 56 individual zircons from Soufrière lavas (Morne Bonin, Belfond, Terre Blanche) and pumice (Choiseul, Belfond) were determined by secondary ionization mass spectrometry. The majority of results is on unpolished zircons where analysis pits integrate over the outermost ~10 μm of individual grains with a lateral spatial resolution of ~40 μm. Selected grains were subsequently analyzed by (U-Th)/He methods. Belfond and Terre Blanche (U-Th)/He zircon ages (~20 ka) agree with previous 14C charcoal ages, whereas Morne Bonin ages are much older (~250 ka). Overall, the U-Th zircon crystallization age spectrum reveals a remarkable range between ~20 and ~600 ka and displays multiple peaks, among which the most prominent are tentatively identified at ~40 ka, ~80 ka, ~130 ka, ~200 ka and ~500 ka. The distribution of rim ages indicates that most zircons lack overgrowth dating from just prior to the eruption, but the youngest ages for each sample overlap with the eruption ages. Soufrière zircons thus reveal magma intrusion, cooling, and crystallization cycles within the underlying plutonic system for which the volcanic stratigraphic record is sketchy.

  15. Knowledge of and attitudes toward heel prick screening for sickle cell disease in Saint Lucia.

    Science.gov (United States)

    Alexander, Sonia; Belmar-George, Sharon; Eugene, Alisha; Elias, Vanessa

    2017-06-08

    In the Caribbean country of Saint Lucia, umbilical-cord-blood screening for sickle cell disease (SCD) was the testing method that health care workers (HCWs) on the maternity wards of the hospitals preferred until the new heel prick (HP) testing method was introduced in the country in 2014. This SCD study sought to assess HCWs' knowledge of and attitude toward HP screening and also determine new mothers' favorability toward HP screening. A total of 70 HCWs and 132 new mothers answered survey questionnaires in three hospitals. In addition, four focus group discussions were held, two with HCWs and two with the mothers. Among the HCWs interviewed, 85.7% of them had knowledge of the HP test. However, only 25.7% had attended training sessions on the procedure. Among the HCWs, 64.3% of them felt the HP test should be mandatory, 27.1% said it should not be mandatory, and 8.6% did not know if it should be mandatory. In their focus groups, the HCWs said they believed the mothers would accept the HP method. For their part, 22.0% of the mothers said they had heard about the HP test, and 63.6% reported knowing the reason why the baby would be tested. Further, 83.3% indicated that the test would be beneficial for the baby. In addition, 88.6% of the mothers said that more information on the HP test was needed. In their focus group discussions, the mothers said they were generally not concerned about the pain the heel prick method might cause the baby. The HCWs' knowledge of the HP screening method was high. The mothers trust HCWs, and the mothers would accept the HP procedure irrespective of their knowledge of the test and any discomfort associated with this screening method.

  16. Knowledge of and attitudes toward heel prick screening for sickle cell disease in Saint Lucia

    Directory of Open Access Journals (Sweden)

    Sonia Alexander

    2017-06-01

    Full Text Available ABSTRACT Objectives In the Caribbean country of Saint Lucia, umbilical-cord-blood screening for sickle cell disease (SCD was the testing method that health care workers (HCWs on the maternity wards of the hospitals preferred until the new heel prick (HP testing method was introduced in the country in 2014. This SCD study sought to assess HCWs’ knowledge of and attitude toward HP screening and also determine new mothers’ favorability toward HP screening. Methods A total of 70 HCWs and 132 new mothers answered survey questionnaires in three hospitals. In addition, four focus group discussions were held, two with HCWs and two with the mothers. Results Among the HCWs interviewed, 85.7% of them had knowledge of the HP test. However, only 25.7% had attended training sessions on the procedure. Among the HCWs, 64.3% of them felt the HP test should be mandatory, 27.1% said it should not be mandatory, and 8.6% did not know if it should be mandatory. In their focus groups, the HCWs said they believed the mothers would accept the HP method. For their part, 22.0% of the mothers said they had heard about the HP test, and 63.6% reported knowing the reason why the baby would be tested. Further, 83.3% indicated that the test would be beneficial for the baby. In addition, 88.6% of the mothers said that more information on the HP test was needed. In their focus group discussions, the mothers said they were generally not concerned about the pain the heel prick method might cause the baby. Conclusions The HCWs’ knowledge of the HP screening method was high. The mothers trust HCWs, and the mothers would accept the HP procedure irrespective of their knowledge of the test and any discomfort associated with this screening method.

  17. Santa Gertrudis : Pétroglifo

    OpenAIRE

    Puaux , Olivier

    1986-01-01

    Las Milpillas ( site n°95 ), Santa Gertrudis, Municipio de Zacapu, Michoacán. Opéración 1. Groupo B. Estructura B1. Unidad Excavación Noroeste. Pétroglifo dibajo de los escombros, Fachaba Escalinatas. Coordenadas : 19°51'48" 101°49'.

  18. Central hydroelectric of Santa Ana

    International Nuclear Information System (INIS)

    Pardo A, German

    2000-01-01

    The paper is related to the construction of an alternating tunnel of conduction to take advantage of the available hydraulic load among the Wiesner Plant and Santa Ana's tanks and of Suba, works required to build a hydroelectric power station with a generation capacity of approximately of 12 MW

  19. 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.

  20. Map showing thermal-alteration indicies in roadless areas and the Santa Lucia Wilderness in the Los Padres National Forest, Southwestern California

    Science.gov (United States)

    Frederiksen, N.O.

    1985-01-01

    This map shows thermal-alteration indices (TAI's), based on colors of pollen grains, of 115 outcrop and 20 conventional core samples from Mesozoic and lower Tertiary rocks in the southern Coast and western Transverse Ranges, Southwestern California. The TAI's have been calibrated against previously determined vitrinite reflectance values from some of the same sample localities.

  1. Desde "San Juan, San Pedro y Santa Lucia" hacia la construcción social y política de Inti Raymi en Cotacachi Imbabura

    OpenAIRE

    Cevallos Calapi, Raúl Clemente

    2006-01-01

    La presente investigación, tiene como escenario dos comunidades kichwas, ubicadas en el Cantón Cotacachi de la Provincia de Imbabura: San Vicente de El Topo Grande y La Calera que protagonizan tradicionalmente la toma de la plaza. La fiesta de Inti Raymi encuentra en estas dos comunidades la representación de las mitades Janan y Urin que cada año en tomo al parque central de Cotacachi efectúan peleas rituales; el nivel de violencia que alcanza la celebración del ritual provoca derramamiento d...

  2. BANK GUARANTEES

    OpenAIRE

    Vasile NEME

    2012-01-01

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

  3. Diatom-inferred hydrological changes and Holocene geomorphic transitioning of Africa's largest estuarine system, Lake St Lucia

    Science.gov (United States)

    Gomes, M.; Humphries, M. S.; Kirsten, K. L.; Green, A. N.; Finch, J. M.; de Lecea, A. M.

    2017-06-01

    The diverse lagoons and coastal lakes along the east coast of South Africa occupy incised valleys that were flooded during the rise and subsequent stabilisation of relative sea-level during the Holocene. Sedimentary deposits contained within these waterbodies provide an opportunity to investigate complex hydrological and sedimentological processes, and examine sea-level controls governing system geomorphic evolution. In this paper, we combine diatom and sulfur isotope analyses from two sediment cores extracted from the northern sub-basins of Lake St Lucia, a large shallow estuarine lake that is today largely isolated from direct ocean influence behind a Holocene-Pleistocene barrier complex. Analyses allow the reconstruction of hydrological changes associated with the geomorphic development of the system over the mid-to late Holocene. The sedimentary sequences indicate that St Lucia was a shallow, partially enclosed estuary/embayment dominated by strong tidal flows prior to ∼6200 cal. BP. Infilling was initiated when sea-level rise slowed and stabilised around present day levels, resulting in the accumulation of fine-grained sediment behind an emergent proto-barrier. Diatom assemblages, dominated by marine benthic and epiphytic species, reveal a system structured by marine water influx and characterised by marsh and tidal flat habitats until ∼4550 cal. BP. A shift in the biological community at ∼4550 cal. BP is linked to the development of a back-barrier water body that supported a brackish community. Marine planktonics and enrichments in δ34S suggest recurrent, large-scale barrier inundation events during this time, coincident with a mid-Holocene sea-level highstand. Periodic marine incursions associated with episodes of enhanced storminess and overwash remained prevalent until ∼1200 cal. BP, when further barrier construction ultimately isolated the northern basins from the ocean. This study provides the first reconstruction of the palaeohydrological

  4. New occurrences and noteworthy records on distribution of birds in Santa Catarina, southern Brazil

    Directory of Open Access Journals (Sweden)

    André Barcellos

    2008-03-01

    Full Text Available Most ornithological fieldworks in the state of Santa Catarina concentrate on the eastern half of state, while the middle-west lacks information. Between March 2000 and May 2002 a bird inventory was made in the influence areas of the hydroelectric power plants of Machadinho and Barra Grande, along the right banks of the Uruguai and Pelotas rivers, on Santa Catarina State territory. We carried out ad libitum surveys, point count sampling, and capture with mist nets. We present seventy-two noteworthy records for Santa Catarina, including three new occurrences for the state (Cypseloides senex, Polioptila dumicola e Procacicus solitarius, three species whose available information was only in general bibliography (Amazona pretrei, Ramphastos toco e Capsiempis flaveola, four whose records are the first in the last 40 years (Megascops sanctaecatarinae, Macropsalis forcipata Phyllomyias virescens e Corytops delalandi, and 63 species first cited for the eastern section of the Uruguai river valley.

  5. 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...

  6. California State Waters Map Series: offshore of Santa Barbara, California

    Science.gov (United States)

    Johnson, Samuel Y.; Dartnell, Peter; Cochrane, Guy R.; Golden, Nadine E.; Phillips, Eleyne L.; Ritchie, Andrew C.; Greene, H. Gary; Krigsman, Lisa M.; Kvitek, Rikk G.; Dieter, Bryan E.; Endris, Charles A.; Seitz, Gordon G.; Sliter, Ray W.; Erdey, Mercedes D.; Gutierrez, Carlos I.; Wong, Florence L.; Yoklavich, Mary M.; Draut, Amy E.; Hart, Patrick E.; Conrad, James E.; Cochran, Susan A.; Johnson, Samuel Y.; Cochran, Susan A.

    2013-01-01

    and northwest by Point Conception and from the south and southwest by offshore islands and banks. The shelf is underlain by variable amounts of upper Quaternary shelf, estuarine, and fluvial sediments deposited as sea level fluctuated in the late Pleistocene. Seafloor habitats in the broad Santa Barbara Channel region consist of significant amounts of soft sediment and isolated areas of rocky habitat that support kelp-forest communities nearshore and rocky-reef communities in deep water. The potential marine benthic habitat types mapped in the Offshore of Santa Barbara map area are directly related to its Quaternary geologic history, geomorphology, and active sedimentary processes. These potential habitats, which lie within the Shelf (continental shelf) megahabitat, range from soft, unconsolidated sediment to hard sedimentary bedrock. This heterogeneous seafloor provides promising habitat for rockfish, groundfish, crabs, shrimp, and other marine benthic organisms.

  7. Chemical and isotopic characteristics of geothermal fluids from Sulphur Springs, Saint Lucia

    Science.gov (United States)

    Joseph, Erouscilla P.; Fournier, Nicolas; Lindsay, Jan M.; Robertson, Richard; Beckles, Denise M.

    2013-03-01

    Sulphur Springs is a vigorous, geothermal field associated with the active Soufrière Volcanic Centre in southern Saint Lucia, Lesser Antilles island arc. The 'Sulphur Springs Park' is an important tourist attraction (touted as the 'world's only drive-through volcano') with some of the hot pools being developed into recreational pools. Some 200,000 people visit the park each year. Since 2001, the hydrothermal fluids of Sulphur Springs have been sampled as part of an integrated volcanic monitoring programme for the island. Gas and water samples were analysed to characterise the geochemistry of the hydrothermal system, and to assess the equilibrium state and subsurface temperatures of the reservoir. This has also enabled us, for the first time, to establish baseline data for future geochemical monitoring. The gases are of typical arc-type composition, with N2 excess and low He and Ar content. The dry gas composition is dominated by CO2 (ranging from 601-993 mmol/mol), with deeper magmatic sourced H2S-rich vapour undergoing boiling and redox changes in the geothermal reservoir to emerge with a hydrothermal signature in the fumarolic gases. Fluid contributions from magmatic degassing are also evident, mainly from the moderate to high contents of HCl and deeply-sourced H2S gas, respectively. Sulphur Springs hydrothermal waters have acid-sulphate type compositions (SO4 = 78-4008 mg/L; pH = 3-7), and are of primarily meteoric origin which have been affected by evaporation processes based on the enrichment in both δ18O and δD (δ18O = - 1 to 15‰ and δD = - 9 to 14‰ respectively) in relation to the global meteoric water line (GMWL). These waters are steam-heated water typically formed by absorption of H2S-rich gases in the near surface oxygenated groundwaters. Reservoir temperatures calculated from the evaluation of gas equilibria in the CO2-CH4-H2 system reveal higher temperatures (190 to 300 °C) than those derived from quartz geothermometry (95 to 169 °C), which

  8. Hydrothermal Alteration in an Acid-Sulphate Geothermal Field: Sulphur Springs, Saint Lucia

    Science.gov (United States)

    Joseph, E. P.; Barrett, T. J.

    2017-12-01

    Sulphur Springs is a vigorous geothermal field associated with the Soufrière Volcanic Centre in southern Saint Lucia. Bubbling hydrothermal pools are rich in sodium-calcium sulphate, with pHs of 3-7 and temperatures of 41-97ºC. Fumaroles have temperatures up to, and at times above, 100°C. Gases from bubbling pools and fumaroles have high contents of CO2 (601-993 mmol/mol) and H2S (3-190 mmol/mol). To investigate the nature and extent of hydrothermal alteration, detailed chemical analysis was carried out on 25 altered rocks, 10 sediments from pools and creeks in the main discharge area, and 15 little-altered rocks up to 2 km away from geothermal field. Eight altered samples were also analysed for stable isotope compositions, with mineralogy determined by X-ray diffraction and mineral liberation analysis. Least-altered host rocks comprise calc-alkaline feldspar-quartz-porphyritic dacites of near-uniform composition that form massive domes and volcaniclastic units. These rocks were emplaced 10-30 Ka ago (Lindsay et al. 2013). Within the geothermal field, the dacites have been highly altered to kaolinite, quartz, cristobalite, alunite, natroalunite, smectite, native sulphur, jarosite, gypsum and amorphous compounds. Muds from grey to blackish hydrothermal pools additionally contain iron sulphides, mainly pyrite. Despite intense alteration of the original dacites, Zr and Ti have remained essentially immobile, allowing the calculation of mass changes. Major depletions of Fe, Mg, Ca, Na and commonly Si occur over an area of at least 200 x 400 m. The most altered rocks also show losses of Al, light REE and Y, implying leaching by highly acidic waters. A few altered rocks have, however, gained Al together with Si and P. Also present are m-scale zones of silica + native sulphur, wherein the silica appears to represent a residue from the leaching of dacite, rather than a hydrothermal addition. Delta-34S values of samples containing mixtures of sulphates, native sulphur and

  9. 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...

  10. Impact of marine inundation after a period of drought on the lakeshore vegetation of Lake St Lucia, South Africa : resilience of estuarine vegetation

    NARCIS (Netherlands)

    Sieben, E. J. J.; Ellery, W. N.; Dullo, B. W.; Grootjans, A. P.

    The shore of Lake St Lucia in the vicinity of Catalina Bay, in the southern part of the lake, receives freshwater input as surface and groundwater seepage from the adjacent elevated coastal plain. Vegetation, water quality and landform were recorded on the lakeshore and on the dry lakebed near one

  11. Electronic Banking And Bank Performance In Nigeria

    African Journals Online (AJOL)

    2013-03-01

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

  12. 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.

  13. The SantaBot experiment

    DEFF Research Database (Denmark)

    Hansen, Søren Tranberg; Svenstrup, Mikael; Andersen, Hans Jørgen

    2009-01-01

    The video shows how an autonomous mobile robot dressed as Santa Claus is interacting with people in a shopping mall. The underlying hypothesis is that it is possible to create interesting new living spaces and induce value in terms of experiences, information or economics, by putting socially...... interactive mobile agents into public urban transit area. To investigate the hypothesis, an experiment was carried out using a robot capable of navigating autonomously based on the input of an onboard laser scanner. The robot would detect and follow random people, who afterwards were asked to fill out...

  14. You're a "What"? Santa Claus

    Science.gov (United States)

    Royster, Sara

    2013-01-01

    Professional Santas entertain children and adults during the holiday season at all types of events. They work at shopping malls or stores; entertain crowds at parades and tree lightings; and make appearances at holiday parties, charity events, and people's homes. Most Santas work during the Christmas holiday season, which usually lasts from late…

  15. Predaceous water beetles (Coleoptera, Hydradephaga) of the Lake St Lucia system, South Africa: biodiversity, community ecology and conservation implications.

    Science.gov (United States)

    Perissinotto, Renzo; Bird, Matthew S; Bilton, David T

    2016-01-01

    Water beetles are one of the dominant macroinvertebrate groups in inland waters and are excellent ecological indicators, reflecting both the diversity and composition of the wider aquatic community. The predaceous water beetles (Hydradephaga) make up around one-third of known aquatic Coleoptera and, as predators, are a key group in the functioning of many aquatic habitats. Despite being relatively well-known taxonomically, ecological studies of these insects in tropical and subtropical systems remain rare. A dedicated survey of the hydradephagan beetles of the Lake St Lucia wetlands (South Africa) was undertaken between 2013 and 2015, providing the first biodiversity census for this important aquatic group in the iSimangaliso Wetland Park, a UNESCO World Heritage Site within the Maputaland biodiversity hotspot. A total of 32 sites covering the entire spectrum of waterbody types were sampled over the course of three collecting trips. The Lake St Lucia wetlands support at least 68 species of Hydradephaga, a very high level of diversity comparing favourably with other hotspots on the African continent and elsewhere in the world and a number of taxa are reported for South Africa for the first time. This beetle assemblage is dominated by relatively widespread Afrotropical taxa, with few locally endemic species, supporting earlier observations that hotspots of species richness and centres of endemism are not always coincident. Although there was no significant difference in the number of species supported by the various waterbody types sampled, sites with the highest species richness were mostly temporary depression wetlands. This contrasts markedly with the distribution of other taxa in the same system, such as molluscs and dragonflies, which are most diverse in permanent waters. Our study is the first to highlight the importance of temporary depression wetlands and emphasises the need to maintain a variety of wetland habitats for aquatic conservation in this biodiverse

  16. Assessing the impact of releases of radionuclides into sewage systems in urban environment - simulation, modelling and experimental studies - LUCIA

    International Nuclear Information System (INIS)

    Sundelll-Bergman, S.; Avila, R.; Cruz, I. de la; Xu, S.; Puhakainen, M.; Heikkinene, T.; Rahola, T.; Hosseini, A.; Nielsen, Sven; Sigurgeirsson, M.

    2009-06-01

    This report summarises the findings of a project on assessing the impact of releases of radionuclides into sewage systems and was established to provide more knowledge and suitable tools for emergency preparedness purposes in urban areas. It was known that the design of sewage plants, and their wastewater treatments, is rather similar between the Nordic countries. One sewage plant in each of the five Nordic countries was selected for assessing the impact of radionuclide releases from hospitals into their sewerage systems. Measurements and model predictions of dose assessments to different potentially exposed members of the public were carried out. The results from the dose assessments indicate that in case of routine releases annual doses to the three hypothetical groups of individuals are most likely insignificant. Estimated doses for workers are below 10 μSv/y, for the two studied radionuclides 99mTc and 131I. If uncertainties in the predictions of activity concentrations in sludge are considered, then the probability of obtaining doses above 10 μSv/y may not be insignificant. The models and approaches developed can also be applied in case of accidental releases. A laboratory inter-comparison exercise was also organised to compare analytical results across the laboratories participating in the project, using both 131I, dominating man-made radionuclide in sewage systems due to the medical use. A process oriented model of the biological treatment is also proposed in the report that does not require as much input data as for the LUCIA model. This model is a combination of a simplified well known Activated Sludge Model No.1 (Henze, 1987) and the Kd concept used in the LUCIA model. The simplified model is able to estimate the concentrations and the retention time of the sludge in different parts of the treatment plant, which in turn, can be used as a tool for the dose assessment purpose.filled by the activity. (au)

  17. Assessing the impact of releases of radionuclides into sewage systems in urban environment - simulation, modelling and experimental studies - LUCIA

    Energy Technology Data Exchange (ETDEWEB)

    Sundelll-Bergman, S. (Vattenfall Power Consultant, Stockholm (Sweden)); Avila, R.; Cruz, I. de la (Facilia AB, (Sweden)); Xu, S. (Swedish Radiation Safety Authority, (Sweden)); Puhakainen, M.; Heikkinene, T.; Rahola, T. (STUK (Finland)); Hosseini, A. (Norwegian Radiation Protection Authority (Norway)); Nielsen, Sven (Risoe National Laboratory for Sustainable Energy, DTU (Denmark)); Sigurgeirsson, M. (Geislavarnir rikisins (Iceland))

    2009-06-15

    This report summarises the findings of a project on assessing the impact of releases of radionuclides into sewage systems and was established to provide more knowledge and suitable tools for emergency preparedness purposes in urban areas. It was known that the design of sewage plants, and their wastewater treatments, is rather similar between the Nordic countries. One sewage plant in each of the five Nordic countries was selected for assessing the impact of radionuclide releases from hospitals into their sewerage systems. Measurements and model predictions of dose assessments to different potentially exposed members of the public were carried out. The results from the dose assessments indicate that in case of routine releases annual doses to the three hypothetical groups of individuals are most likely insignificant. Estimated doses for workers are below 10 muSv/y, for the two studied radionuclides 99mTc and 131I. If uncertainties in the predictions of activity concentrations in sludge are considered, then the probability of obtaining doses above 10 muSv/y may not be insignificant. The models and approaches developed can also be applied in case of accidental releases. A laboratory inter-comparison exercise was also organised to compare analytical results across the laboratories participating in the project, using both 131I, dominating man-made radionuclide in sewage systems due to the medical use. A process oriented model of the biological treatment is also proposed in the report that does not require as much input data as for the LUCIA model. This model is a combination of a simplified well known Activated Sludge Model No.1 (Henze, 1987) and the Kd concept used in the LUCIA model. The simplified model is able to estimate the concentrations and the retention time of the sludge in different parts of the treatment plant, which in turn, can be used as a tool for the dose assessment purpose.filled by the activity. (au)

  18. From Suazoid to folk pottery: pottery manufacturing traditions in a changing social and cultural environment on St. Lucia

    Directory of Open Access Journals (Sweden)

    Corinne L. Hofman

    2004-01-01

    Full Text Available Overview of pottery manufacturing traditions in St Lucia, placed within the island's cultural history from pre-Columbian times up to present Afro-Caribbean folk pottery. Authors focus on manufacturing processes in different cultural traditions through history, looking at raw materials used, the shaping and finishing, decoration, and firing process. First, they sketch St Lucia's habitation history since the first Amerindian settlers in 200 AD, and evidence of pottery, which climaxed in the later Suazoid period pottery since about 1150 AD, and discuss how later European colonization and arrival of Africans contributed to the decline of Amerindian traditions, replaced by European and West African pottery traditions, although some Amerindian traditions remained. The pottery manufacturing of 3 main cultural traditions are examined, discussing differences, as well as similarities due to cultural blending: Suazoid pottery, later Amerindian Island Carib pottery, with origins in the Guianas region, related to the Kar'ina, and current St Lucian, West African-influenced, "folk pottery". Authors conclude that all 3 traditions mainly use local clay, and include hand-built and low-fired pottery. Shaping techniques include coiling, and in today's pottery also fashioning with smaller lumps. Surfaces are smooth and polished in today's pottery, but more scraped and scratched in Suazoid vessels. Further, they find that decoration is uncommon in today's pottery, while Suazoid ceramics included decorations, and that vessel shapes tend to be simple in all 3 traditions. They also find that women have been the principal potters through time, although pottery was a male activity among the Island Caribs in the mid-17th c.

  19. Consumer preferences and willingness to pay for compact fluorescent lighting: Policy implications for energy efficiency promotion in Saint Lucia

    International Nuclear Information System (INIS)

    Reynolds, Travis; Kolodinsky, Jane; Murray, Byron

    2012-01-01

    This article examines consumer willingness to pay for energy-saving compact fluorescent light bulbs using the results of a stated preferences study conducted in the Caribbean island nation of Saint Lucia. Geographic location, low income status, and age are found to affect willingness-to-pay for compact fluorescent lighting, while higher income status and other demographic variables appear to have minimal or no significant impacts. Energy efficiency knowledge is associated with increased willingness-to-pay for energy-efficient bulbs and with increased use of compact fluorescent lighting. Contrary to theoretical expectations, past purchase of compact fluorescent bulbs is found to have no impact on self-reported willingness to pay. We hypothesize that this null result is due to the recent emergence of low-cost, low-quality compact fluorescent bulbs in the Saint Lucian lighting market, which may be negatively influencing consumers' preferences and expectations regarding energy-efficient lighting. Findings support the argument that government-sponsored education and subsidy programs will likely result in increased use of energy-saving technologies in Saint Lucia. But such behavioral changes may not be sustained in the long run unless low quality bulbs – the “lemons” of the compact fluorescent lighting market – can be clearly identified by consumers. - Highlights: ▶ We model how knowledge, attitudes, and past purchase affect CFL adoption. ▶ Saint Lucian consumers have some knowledge of and favorable attitudes toward CFLs. ▶ Energy efficiency knowledge increases stated willingness-to-pay (WTP) for CFLs. ▶ Past purchase does not increase WTP; low-quality ‘lemons’ may influence consumers. ▶ Policy can lower consumer risks in lighting markets where low quality bulbs exist.

  20. Estimating the burden of acute gastrointestinal illness: a pilot study of the prevalence and underreporting in Saint Lucia, Eastern Caribbean.

    Science.gov (United States)

    Gabriel, Owen O; Jaime, Alina; Mckensie, Martin; Auguste, Ava; Pérez, Enrique; Indar, Lisa

    2013-12-01

    Saint Lucia was the first country to conduct a burden of illness study in the Caribbean to determine the community prevalence and underreporting of acute gastroenteritis (AGE). A retrospective cross-sectional population survey on AGE-related illness was administered to a random sample of residents of Saint Lucia in 20 April-16 May 2008 and 6-13 December 2009 to capture the high- and low-AGE season respectively. Of the selected 1,150 individuals, 1,006 were administered the survey through face-to-face interviews (response rate 87.4%). The overall monthly prevalence of AGE was 3.9%. The yearly incidence rate was 0.52 episodes/person-year. The age-adjusted monthly prevalence was 4.6%. The highest monthly prevalence of AGE was among children aged < 5 years (7.5%) and the lowest in persons aged 45-64 years (2.6%). The average number of days an individual suffered from diarrhoea was 3.8 days [range 1-21 day(s)]. Of the reported AGE cases, only seven (18%) sought medical care; however, 83% stayed at home due to the illness [(range 1-16 day(s), mean 2.5]; and 26% required other individuals to take care of them. The estimated underreporting of syndromic AGE and laboratory-confirmed foodborne disease pathogens was 81% and 99% respectively during the study period. The economic cost for treating syndromic AGE was estimated at US$ 3,892.837 per annum. This was a pilot study on the burden of illness (BOI) in the Caribbean. The results of the study should be interpreted within the limitations and challenges of this study. Lessons learnt were used for improving the implementation procedures of other BOI studies in the Caribbean.

  1. 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.

  2. Electronic banking

    OpenAIRE

    Gradišnik, Monika

    2017-01-01

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

  3. Sequential Banking.

    OpenAIRE

    Bizer, David S; DeMarzo, Peter M

    1992-01-01

    The authors study environments in which agents may borrow sequentially from more than one leader. Although debt is prioritized, additional lending imposes an externality on prior debt because, with moral hazard, the probability of repayment of prior loans decreases. Equilibrium interest rates are higher than they would be if borrowers could commit to borrow from at most one bank. Even though the loan terms are less favorable than they would be under commitment, the indebtedness of borrowers i...

  4. 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…

  5. 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...

  6. Santa Barbara Final Technical Report

    Energy Technology Data Exchange (ETDEWEB)

    Hacker, Angela; Hansen, Sherman; Watkins, Ashley

    2013-11-30

    This report serves as the Final Report for Santa Barbara County’s Energy Efficiency and Conservation Block Grant (EECBG) BetterBuildings Neighborhood Program (BBNP) award from the U.S. Department of Energy (DOE). This report explains how DOE BBNP funding was invested to develop robust program infrastructure designed to help property owners complete energy improvements, thereby generating substantial outcomes for the local environment and economy. It provides an overview of program development and design within the grant period, program accomplishments and challenges to date, and a plan for the future sustainability of emPower, the County’s innovative clean energy and building efficiency program. During the grant period, Santa Barbara County’s emPower program primarily targeted 32,000 owner occupied, single family, detached residential homes over 25 years old within the County. In order to help these homeowners and their contractors overcome market barriers to completing residential energy improvements, the program developed and promoted six voluntary, market-based service areas: 1) low cost residential financing (loan loss reserve with two local credit unions), 2) residential rebates, 3) local customer service, 4) expert energy advising, 5) workforce development and training, and 6) marketing, education and outreach. The main goals of the program were to lower building energy use, create jobs and develop a lasting regional building performance market. These services have generated important early outcomes and lessons after the program’s first two years in service. The DOE BBNP funding was extended through October 2014 to enable Santa Barbara County to generate continued outcomes. In fact, funding related to residential financing remains wholly available for the foreseeable future to continue offering Home Upgrade Loans to approximately 1,300 homeowners. The County’s investment of DOE BBNP funding was used to build a lasting, effective, and innovative

  7. “It's Just More Acceptable To Be White or Mixed Race and Gay Than Black and Gay”: The Perceptions and Experiences of Homophobia in St. Lucia

    Directory of Open Access Journals (Sweden)

    Jimmy Couzens

    2017-06-01

    Full Text Available Lesbian, gay, and bisexual (LGB individuals come from diverse cultural groups with differing ethnic and racial identities. However, most research on LGB people uses white western samples and studies of Afro-Caribbean diaspora often use Jamaican samples. Thus, the complexity of Afro-Caribbean LGB peoples' experiences of homophobia is largely unknown. The authors' analyses explore experiences of homophobia among LGB people in St. Lucia. Findings indicate issues of skin-shade orientated tolerance, regionalized disparities in levels of tolerance toward LGB people and regionalized passing (regionalized sexual identity shifting. Finally, the authors' findings indicate that skin shade identities and regional location influence the psychological health outcomes of homophobia experienced by LGB people in St. Lucia.

  8. "It's Just More Acceptable To Be White or Mixed Race and Gay Than Black and Gay": The Perceptions and Experiences of Homophobia in St. Lucia.

    Science.gov (United States)

    Couzens, Jimmy; Mahoney, Berenice; Wilkinson, Dean

    2017-01-01

    Lesbian, gay, and bisexual (LGB) individuals come from diverse cultural groups with differing ethnic and racial identities. However, most research on LGB people uses white western samples and studies of Afro-Caribbean diaspora often use Jamaican samples. Thus, the complexity of Afro-Caribbean LGB peoples' experiences of homophobia is largely unknown. The authors' analyses explore experiences of homophobia among LGB people in St. Lucia. Findings indicate issues of skin-shade orientated tolerance, regionalized disparities in levels of tolerance toward LGB people and regionalized passing (regionalized sexual identity shifting). Finally, the authors' findings indicate that skin shade identities and regional location influence the psychological health outcomes of homophobia experienced by LGB people in St. Lucia.

  9. “It's Just More Acceptable To Be White or Mixed Race and Gay Than Black and Gay”: The Perceptions and Experiences of Homophobia in St. Lucia

    Science.gov (United States)

    Couzens, Jimmy; Mahoney, Berenice; Wilkinson, Dean

    2017-01-01

    Lesbian, gay, and bisexual (LGB) individuals come from diverse cultural groups with differing ethnic and racial identities. However, most research on LGB people uses white western samples and studies of Afro-Caribbean diaspora often use Jamaican samples. Thus, the complexity of Afro-Caribbean LGB peoples' experiences of homophobia is largely unknown. The authors' analyses explore experiences of homophobia among LGB people in St. Lucia. Findings indicate issues of skin-shade orientated tolerance, regionalized disparities in levels of tolerance toward LGB people and regionalized passing (regionalized sexual identity shifting). Finally, the authors' findings indicate that skin shade identities and regional location influence the psychological health outcomes of homophobia experienced by LGB people in St. Lucia. PMID:28674508

  10. 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

  11. La Ex Hacienda de Santa Cruz

    Directory of Open Access Journals (Sweden)

    Berta Pinto de Estrada

    1975-06-01

    Full Text Available Ex hacienda Santa Cruz was chosen to show the differences in the geographic and economic structure, and the historic causes that originated them, as an example of ihe situation in the northem part of Campeche.

  12. Banking governance: New Approaches

    Directory of Open Access Journals (Sweden)

    Victor Mihăiţă Duţă

    2016-11-01

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

  13. Cross-Border Banking

    OpenAIRE

    Jonathan Eaton

    1994-01-01

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

  14. ROMANIAN BANKS LIQUIDITY MANAGEMENT

    Directory of Open Access Journals (Sweden)

    BATRANCEA MARIA

    2013-07-01

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

  15. 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.

  16. Green banking

    Directory of Open Access Journals (Sweden)

    Maja Drobnjaković

    2013-06-01

    Full Text Available There is an urgent need to march towards “low - carbon economy”. Global challenges of diminishing fossil fuel reserves, climate change, environmental management and finite natural resources serving an expanding world population - these reasons mean that urgent action is required to transition to solutions which minimize environmental impact and are sustainable. We are at the start of the low - carbon revolution and those that have started on their low - carbon journey already are seeing benefits such as new markets and customers, improved economic, social and environmental performance, and reduced bills and risks. Green investment banks offer alternative financial services: green car loans, energy efficiency mortgages, alternative energy venture capital, eco - savings deposits and green credit cards. These items represent innovative financial products.

  17. Bone banking.

    Science.gov (United States)

    Howard, W

    1999-04-01

    The use of human organs and tissues for transplantation in Australia has increased significantly over the past 30 years. In 1997, the Australian Coordinating Committee on Organ Registries and Donation (ACCORD) reported a total number of 190 organ donors, 636 corneal donors and 1509 bone donors Australia wide. Of the 1509 bone donations, 143 came from cadaveric sources and 1366 were made by living donors. Bone transplantation is not as widely recognised as solid organ or corneal transplantation. Due to improved technology and surgical skills, the demand for bone transplantation has increased markedly. This Clinical Update will provide an overview of the physiological aspects of bone transplantation and explore bone banking, a key step in the complex and critical process of bone transplantation.

  18. Internet Banking integration within the banking system

    OpenAIRE

    Constantin Marian MATEI; Catalin Ionut SILVESTRU; Dragos Stefan SILVESTRU

    2008-01-01

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

  19. 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

  20. 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 ...

  1. Santa Maria de Garona NPP

    International Nuclear Information System (INIS)

    Candas, C.

    2004-01-01

    Three especially significant milestones determine the positive assessment of Santa Maria de Garona nuclear power plant operation in 2003: the beginning of Project 2019, the quality and safety results in the Refueling Outage, and the good assessment obtained by the plant in the follow-up review of the OSART Mission. The operating factor of 91.52% obtained in 2003 is the Plant's best historical result in a year with a refueling outage. This factor is an indication of reasonable Plant operation throughout the year, and also of the results of the optimization and quality efforts made in preparing and executing the refueling outage. The collective dose indicator is also the best historical datum in year with a refueling outage and keeps our Plant in a relevant position among the world's BWR plants. The objective set by INPO is clearly achieved. The result is the outcome of the improvement studies and ALARA actions taken during job preparation and planning and also of equipment and installation improvements and modernization. The three differential follow-up objective of the NUCLENOR Corporate Project are: Strengthening of the Safety Culture, Operating License Renewal and Improved in-Plant Task Management

  2. The elusive character of discontinuous deep-water channels: New insights from Lucia Chica channel system, offshore California

    Science.gov (United States)

    Maier, K.L.; Fildani, A.; Paull, C.K.; Graham, S.A.; McHargue, T.R.; Caress, D.W.; McGann, M.

    2011-01-01

    New high-resolution autonomous underwater vehicle (AUV) seafloor images, with 1 m lateral resolution and 0.3 m vertical resolution, reveal unexpected seafloor rugosity and low-relief (thalwegs were interpreted originally from lower-resolution images, but newly acquired AUV data indicate that a single sinuous channel fed a series of discontinuous lower-relief channels. These discontinuous channels were created by at least four avulsion events. Channel relief, defined as the height from the thalweg to the levee crest, controls avulsions and overall stratigraphic architecture of the depositional area. Flowstripped turbidity currents separated into and reactivated multiple channels to create a distributary pattern and developed discontinuous trains of cyclic scours and megaflutes, which may be erosional precursors to continuous channels. The diverse features now imaged in the Lucia Chica channel system (offshore California) are likely common in modern and ancient systems with similar overall morphologies, but have not been previously mapped with lower-resolution detection methods in any of these systems. ?? 2011 Geological Society of America.

  3. Reduction in transmission of Schistosoma mansoni by a four-year focal mollusciciding programme against Biomphalaria glabrata in Saint Lucia.

    Science.gov (United States)

    Prentice, M A; Jordan, P; Bartholomew, R K; Grist, E

    1981-01-01

    The effect of transmission of Schistosoma mansoni of a focal snail control programme was investigated over four years amongst approximately 1250 people living in five communities in the steep-sided Soufriere river valley, St. Lucia, West Indies. Bayer 6076 was applied from constant flow drip cans to 12 stream sections at a target dose of 8 mg/litre clonitralide every four weeks. Only proven and potential transmission sites were treated; marsh habitats, where Biomphalaria glabrata were widespread, were ignored. In the stream snail numbers were reduced by 94% in the first year and by 100% thereafter. Incidence of new S. mansoni infections amongst children fell from 18% in the last year before control to 6% and 9% after three and four years respectively. Amongst children and adults in the four years of control the conversion/reversion ratio declined leading to a lowering of the over-all prevalence from 40% to 22%. Parasitologically the results were similar to those of a previously evaluated area-wide mollusciciding programme. The mean annual cost per person protected was US $2.60. This figure is atypically high because the topography of the area severely limited the population size.

  4. Evaluation of chemotherapy in the control of Schistosoma mansoni in Marquis Valley, Saint Lucia. II. Biological results.

    Science.gov (United States)

    Barnish, G

    1982-01-01

    Following the final chemotherapy campaign of a 4-year program, the biological assessment of transmission of Schistosoma mansoni was evaluated for 5 years. No infected Biomphalaria glabrata were found amongst 28,791 and 13,550 snails examined from flowing and static index sites, respectively. However, 89 infected snails of 16,602 examined (0.54%) were found from additional sites. Sentinel snails examined between March 1974 and October 1977 revealed no infections and their use was discontinued. Following an increase in transmission, routine focal mollusciciding at 4-weekly intervals was introduced in March 1980. The cost for eight applications was US $641, representing a cost per caput of $0.21. These figures, extrapolated to a full year's control, become $1,042 and $0.35, respectively. The maximum cost was for the molluscicide, which absorbed 71.5% of the total. The data suggest that the main transmission of S. mansoni occurs in the dry season, in flowing habitats, as it does elsewhere in St. Lucia.

  5. 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...

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

    African Journals Online (AJOL)

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

  7. 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

  8. What is shadow banking?

    NARCIS (Netherlands)

    Claessens, S.; Ratnovski, L.

    2014-01-01

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

  9. Essays on banking

    NARCIS (Netherlands)

    Tumer-Alkan, G.

    2008-01-01

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

  10. Are EU Banks Safe?

    NARCIS (Netherlands)

    R.J. Theissen (Roel)

    2013-01-01

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

  11. Evolution in banking supervision

    OpenAIRE

    Edward J. Stevens

    2000-01-01

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

  12. Macroeconomia do Turismo Argentino em Santa Catarina

    Directory of Open Access Journals (Sweden)

    Roberto Meurer

    2010-07-01

    Full Text Available Resumo O Estado de Santa Catarina experimentou um considerável crescimento do setor de turismo nas últimas décadas. O fluxo turístico de origem argentina revelou-se um ingrediente importante dessa trajetória. Este artigo focaliza um aspecto pouco explorado, aparentemente, da participação argentina no turismo estadual: a relação entre a situação macroeconômica do país vizinho e a demanda turística por Santa Catarina lá originada. Começa-se abordando brevemente a problemática geral da macroeconomia do turismo. Depois, discorre-se sobre o crescimento desse setor em Santa Catarina, destacando a presença de argentinos. A terceira parte desenvolve uma análise baseada em tratamento estatístico de dados sobre demanda e receita geradas por esses turistas no estado, com exame das correlações envolvendo taxa de câmbio e taxa de crescimento do PIB da Argentina. Palavras-chave: turismo; Santa Catarina; turistas argentinos; economia argentina Abstract The State of Santa Catarina has witnessed a considerable development of its tourist sector in the last decades. The demand from Argentina has proved to be an important factor of that growth. This article deals with a feature of the presence of Argentinians in the state which seems to be scarcely studied: the relationship between the macroeconomic situation of Argentina and the tourist demand in Santa Catarina originated from that country. The first part of the article considers briefly the general issue of tourism macroeconomics. The second one looks upon tourism growth in Santa Catarina, stressing the presence of visitors from Argentine. The third section develops an analysis based on statistical treatment of data concerning demand and income generated by such tourists in Santa Catarina, involving correlations that consider aspects like exchange rate and the rate of GDP increase in Argentina. Keywords: tourism; Santa Catarina; tourists from Argentina; Argentina’s economy

  13. Small finance banks: Challenges

    Directory of Open Access Journals (Sweden)

    Jayadev M

    2017-12-01

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

  14. Application of different fertilizers in substrate for Kalanchoe luciae Raym.-Hamet cultivation Aplicação de diferentes fertilizantes em substrato de cultivo de Kalanchoe luciae Raym.-Hamet

    Directory of Open Access Journals (Sweden)

    Marília Andrade Lessa

    2009-08-01

    Full Text Available Succulents present great commercial importance, but information on the cultivation of these plants are not enough, especially considering the use of fertilizers during the growth phase. The objective of this study was to evaluate the effect of different fertilizers applied to the substrate in the cultivation of Kalanchoe luciae Raym.-Hamet. Cuttings measuring 6 cm in height and 12 cm in diameter were cultivated in 1.5 L pots containing the substrate (1 soil: 1 sand: 1 vermiculite. In this experiment, the effect of the fertilization based on NPK 10:10:10 was evaluated with and without the addition of a fertilizer mixture composed of 5 g bone flour, 5 g dolomite limestone, and 50 g ground charcoal, this proportion that was used for each 1.5 L substrate. After 60 days, an increase in the number of leaves, which was proportional to the increase in the doses of NPK applied, was verified. Even though the plants presented higher number of leaves (18.34 and higher height (18.73 cm for the substrate with 1.5 g L-1 of NPK 10:10:10, plants did not reach the compact aspect suggested by some producers. The addition of fertilizer mixture presented no effect on the leaves number and neither to the plant height, however, it was observed that the plants that received the fertilizer mixture presented the fifth leaf with bigger diameter. None of the treatments favored the formation of one of the most important characteristics of this species, the reddish color on the borders of the leaves.As suculentas apresentam grande importância comercial, mas, as informações sobre o cultivo destas plantas ainda são escassas, especialmente em relação à fertilização durante a fase de crescimento. Neste trabalho, objetivou-se avaliar o efeito de diferentes adubações no substrato para cultivo de Kalanchoe luciae Raym.- Hamet. Mudas com 6 cm de altura e 12 cm de diâmetro foram cultivadas em vasos de 1,5 L, contendo o substrato (1 terra:1 areia: 1 vermiculita. Avaliou

  15. GenBank

    OpenAIRE

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

    2002-01-01

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

  16. Digital surveying and new perspectives on the Byzantine Oratory of the Catacomb of Saint Lucia in Syracuse

    Directory of Open Access Journals (Sweden)

    Mariateresa Galizia

    2014-10-01

    Full Text Available The study conducted Oratory Byzantine catacombs of Saint Lucia in Syracuse comes from the observation of the precarious condition of the underground funerary complex from the point of view of the static structures, which have undergone several alterations over the centuries due to landslides, blockages, collapses and subsequent excavations, conservation of the frescoes found that as a result of survey campaigns that have occurred intermittently on the monument. These difficulties have conditioned the public opening of only a part of the catacombs -la region A and the Oratory of the Forty Martiri- leaving hidden the community many significant spaces including the Oratory. The research will then, through the survey instrument with laser scanner, acquire a geometric-formal documentation of this important area through a 3D model on which to investigate aspects of a static nature, geological, material, historical, archaeological, necessary for a proper design of future interventions for the protection and consolidation of the catacomb. In fact, the 3D model obtained is a virtual copy of the recorded space through which it is possible to speculate on some design and physical environmental conditions of the sites, such as lighting and ventilation, and on some solutions distribution-functional, providing also a possible model for 3D navigation allows the virtual tour of the places underground. The location of the site, the distribution of the planimetric and static environmental conditions represented in research critical issues to be addressed in the survey phase of underground sites, providing for the research group of the fixed points on which to structure a possible protocol operating acquisition, integration, management and processing of the acquired data subject to change.

  17. Santa soja: narrativa documental em fotolivro

    OpenAIRE

    Seidl, Eduardo

    2016-01-01

    A partir do fotolivro Santa Soja como objeto e do resgate histórico das práticas jornalísticas de reportagem e de edição por meio de entrevistas com os cinco autores, esta pesquisa busca identificar o fotolivro como formato potencializador do fotodocumentarismo. Para tanto, foi proposta uma localização conceitual sobre o fotolivro, a linguagem e a narrativa fotográfica e sobre a vocação historiográfica e testemunhal da fotografia, a fim de contextualizar uma análise do fotolivro Santa Soja qu...

  18. Pelas trilhas da ILha de Santa Catarina

    OpenAIRE

    Silveira, Flavio Leonel Abreu da

    1996-01-01

    Dissertação (mestrado) - Universidade Federal de Santa Catarina, Centro de Filosofia e Ciencias Humanas O estudo sobre o ecoturismo na Ilha de Santa Catarina vem demonstrar o surgimento de novas modalidades turísticas entre os grupos urbanos. A pesquisa aponta para a intersecção entre lazer, turismo, ecologia e esporte, demonstrando a importân-cia das práticas ecoturísticas na atualidade. A partir de tal perspectiva, as questões de gênero surgem com significativa relevância. Estamos frente...

  19. Harold A. Hyde: Recollections of Santa Cruz County

    OpenAIRE

    Hyde, Harold A.; Jarrell, Randall; Regional History Project, UCSC Library

    2002-01-01

    A fifth-generation Santa Cruz County resident, Hyde has been in on the creation of organizations and institutions ranging from UCSC and Cabrillo College to the Community Foundation and the Cultural Council of Santa Cruz County. His contributions to California and Santa Cruz are documented in his oral history. Following infantry combat service with the U.S. Army in Europe during World War II and graduate studies in business at Harvard, Hyde returned to Santa Cruz County and a career a...

  20. Pengelolaan Likuiditas Bank Syariah

    Directory of Open Access Journals (Sweden)

    Nurul Ichsan

    2014-01-01

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

  1. Prevalence of overweight, obesity and underweight among 5-year-old children in Saint Lucia by three methods of classification and a comparison with historical rates.

    Science.gov (United States)

    Gardner, K; Bird, J; Canning, P M; Frizzell, L M; Smith, L M

    2011-01-01

    The study aimed to determine if child obesity rates have risen in the Caribbean nation of Saint Lucia, as found globally, and whether under-nutrition coexists, as in other developing nations. The average adult in Saint Lucia is overweight, thus considerable child obesity might be expected, but there are no current data. Heights and weights were obtained from a sample (n= 425) of the 2001 birth cohort of Saint Lucian children measured during the nation-wide 2006/2007 Prior to School Entry Five-Year Assessment. Prevalence of overweight, obesity and underweight were estimated by Centers for Disease Control (CDC), Cole et al. and new World Health Organization (WHO) methods. Previously reported 1976 estimates, including children ≤60 months of age only, based on National Centre for Health Statistics curves, were adjusted to new WHO equivalents using an algorithm developed by Yang and de Onis, and compared with rates in our subsample of children ≤60 months of age (n= 99). Regardless of classification method, overweight and obesity rates were high: 14.4% and 9.2% (WHO); 11.3% and 12.0% (CDC); and 9.9% and 7.1% (Cole et al.), respectively. Underweight estimates also varied: 4.7% (WHO); 11.3% (CDC) and 6.6% (Cole et al.). Obesity in our young subsample (15.2%; WHO) was more than 3 times the adjusted 1976 rate (4.3%). Obesity among Saint Lucian pre-schoolers has tripled in 30 years. Our findings also suggest that this country, like many undergoing a 'nutrition transition', faces the dual challenge of over-nutrition and under-nutrition. Routine monitoring of overweight and underweight is needed in Saint Lucia, as is the implementation and evaluation of programmes to address these problems. © 2010 Blackwell Publishing Ltd.

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

    Directory of Open Access Journals (Sweden)

    Tetiana Vasilyeva

    2016-10-01

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

  3. Bank Syariah Sebagai Alternatif

    Directory of Open Access Journals (Sweden)

    Adang Sudjana

    2003-03-01

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

  4. Challenges and Perspectives for Tertiary Level Hospitals in Bolivia: The case of Santa Cruz de La Sierra Department.

    Science.gov (United States)

    Medici, André

    2015-01-01

    Current legislation transferred public tertiary hospitals in Bolivia from the Municipalities to the Regional Level. However, the Regional Governments are experiencing technical and financial constraints to reform infrastructure, modernize equipment and introduce reforms to allow better governance, management and sustainability of these hospitals. This articles summarizes the recent experience of the Government of Santa Cruz de la Sierra in Bolivia where five tertiary hospitals and blood bank (most of them in precarious working conditions) has been transferred in 2012 from the Municipal Government of Santa Cruz (the capital) to the Regional Government of Santa Cruz. To face the challenges, the Regional Government of Santa Cruz implement several improvements, such as contract new clinical and administrative personal, increases hospital budgetary autonomy, outsource hospitals' auxiliary services, take measures to eliminate waiting lists and make several new investments to modernize and equip the hospitals. The World Bank was contracted to evaluated the future financial sustainability of these investments and to advice the Government to propose changes to increase the hospitals' management performance. The article describes the remaining challenges in these hospitals and the proposals from the World Bank Study. In the area of quality of care, the main challenge is to improve client satisfaction and continuous outcomes monitoring and evaluation according quality standards. In the area of financing, the challenge is how to assure the sustainability of these hospitals with the current level of health financing and the insufficient financial transfers from the National Government. In the area of Governance, reforms to streamline and simplify internal processes need to be introduced in order to establish mechanisms to increase transparency and accountability, allowing the hospital to have a good administration and adequate participation of the main actors in the guidance of

  5. Ecotourism: The Santa Elena Rainforest Project.

    Science.gov (United States)

    Wearing, Stephen

    1993-01-01

    Describes an ecotourism project in which the community of Santa Elena, Costa Rica, are developing a rainforest reserve on government land leased permanently to the local high school. Discusses the impact of the project on the community's economy and environment. (Contains 30 references.) (MDH)

  6. La fábrica de cristal y vidrio de Santa Lucía (Cartagena y el sector del vidrio español (1834-1908

    Directory of Open Access Journals (Sweden)

    Martínez Carrión, J. M.

    2002-06-01

    Full Text Available This article is a contribution to the Spanish glass industry from the knowledge of Fabrica de Cristal y Vidrio de Santa Lucia (Cartagena during the XIXth century. The evolution of this company is accomplished within the context of the Spanish sector underlining some phases: Its impulse during 1840´s and 1850´s, market problems and competition in the last decades of the XIXth century, and its restructuring at the beginning of the XXth century, which ended with an intense process of concentration and internationalization that affected plane glass and hollow glass. Likewise, industrial location factors, regional distribution of the production, and changes occurred in its various branches between 1856 and 1905 are reported. Data reveal the leading role of this factory from Cartagena in the glass industry and, particularly, its specialization in crystal, glassware of best quality, and white cut glass during the Restoration period.

    El trabajo contribuye al conocimiento de la industria del vidrio español durante el siglo XIX a partir de la Fábrica de Cristal y Vidrio de Santa Lucia (Cartagena. La evolución de la empresa es analizada en el contexto del sector español, destacándose varias fases: el impulso que vivió el sector en las décadas de 1840 y 1850, los problemas de mercado y competitividad en las décadas finales del siglo XIX y la reestructuración de comienzos del siglo XX. Esta última acabó con la formación de estructuras de oligopolio que afectaron a las ramas del vidrio plano y del vidrio hueco. Se destacan, asimismo, los factores de localización industrial, la distribución regional de la producción y los cambios acaecidos en sus diferentes ramas entre 1856 y 1905. Los datos aportados revelan el protagonismo de la empresa de Cartagena en el sector vidriero, y en particular su especialización en cristal y vidrio blanco tallado durante el periodo de la Restauración.

  7. 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

  8. 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...

  9. CUSTOMER SATISFACTION WITH INTERNET BANKING IN PUBLIC AND PRIVATE BANK

    OpenAIRE

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

    2017-01-01

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

  10. Outsourcing central banking

    DEFF Research Database (Denmark)

    Khoury, Sarkis Joseph; Wihlborg, Clas

    2005-01-01

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

  11. Green Bank Observatory (GBO)

    Data.gov (United States)

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

  12. GenBank

    Data.gov (United States)

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

  13. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

  14. Bank Resolution in the European Banking Union

    DEFF Research Database (Denmark)

    Gordon, Jeffrey N.; Ringe, Georg

    2015-01-01

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

  15. Framing a Bank

    DEFF Research Database (Denmark)

    Holmgreen, Lise-Lotte

    2012-01-01

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

  16. GenBank

    OpenAIRE

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

    2006-01-01

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

  17. International Islamic Banking

    OpenAIRE

    saleem, shahid

    2007-01-01

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

  18. Supervision in banking industry

    OpenAIRE

    Šmída, David

    2012-01-01

    The aim of submitted thesis Supervision in banking is to define the nature and the importance of banking supervision, to justify its existence and to analyze the applicable mechanisms while the system of banking regulation and supervision in this thesis is primarily examined in the European context, with a focus on the Czech Republic. The thesis is divided into five main chapters. The first chapter is devoted to the financial system and the importance of banks in this system, it defines the c...

  19. Modern bank's credit risk

    Directory of Open Access Journals (Sweden)

    Šabović Šerif

    2015-01-01

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

  20. Preliminary Report for the location of drilling in the Raigon aquifer area

    International Nuclear Information System (INIS)

    Heinzen, W.; Santana, J.; Carrion, R.

    1991-01-01

    This work is about the geological and hydrogeological characteristics of Santa Lucia basin belongs to the Raison Aquifer. The tectonic basin of Santa Lucia is a structural complex constituted by the crystalline basement, gneisses, amphibolite s, mica schists and metamorfites

  1. Mobile banking in Asia

    OpenAIRE

    Anne Ho

    2010-01-01

    Technology has transformed the banking industry with the introduction of mobile banking services that offer unprecedented convenience and accessibility to customers. This Asia Focus report describes the various approaches to mobile banking in Asia, and examines how particular countries have addressed regulatory issues.

  2. The NEA Data Bank

    International Nuclear Information System (INIS)

    Coddens, G.

    1983-01-01

    The NEA Data Bank provides the nuclear data and computer programs necessary for reactor design and other calculations over a wide range of nuclear energy applications. The role which the Data Bank plays in international cooperation efforts, and the procedures to follow to obtain data and programs from the Data Bank are described. (Auth.)

  3. Banks on Notice

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

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

  4. Commercial Banking Industry Survey.

    Science.gov (United States)

    Bright Horizons Children's Centers, Cambridge, MA.

    Work and family programs are becoming increasingly important in the commercial banking industry. The objective of this survey was to collect information and prepare a commercial banking industry profile on work and family programs. Fifty-nine top American commercial banks from the Fortune 500 list were invited to participate. Twenty-two…

  5. Banking in Africa

    NARCIS (Netherlands)

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

    2014-01-01

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

  6. Banking crises : A review

    NARCIS (Netherlands)

    Laeven, L.

    2011-01-01

    This review surveys the theoretical and empirical literature on the causes and consequences of banking crises, and summarizes the lessons learned from policy interventions to resolve banking crises. Despite their different origins, banking crises display similar patterns. Their causes lie in

  7. Banking and Trading

    NARCIS (Netherlands)

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

    2016-01-01

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

  8. Banking on the Internet.

    Science.gov (United States)

    Internet Research, 1996

    1996-01-01

    Electronic ground was broken in 1995 with the development of the completely Internet-based bank Security First Network Bank. This article discusses the need for developing online services, outlines the reasons for the formation of an Internet-based bank and argues that to remain competitive financial services providers must provide easier customer…

  9. The role of water and sediment connectivity in integrated flood management: a case study on the island of Saint Lucia

    Science.gov (United States)

    Jetten, Victor; van Westen, Cees; Ettema, Janneke; van den Bout, Bastian

    2016-04-01

    Disaster Risk Management combines the effects of natural hazards in time and space, with elements at risk, such as ourselves, infrastructure or other elements that have a value in our society. The risk in this case is defined as the sum of potential consequences of one or more hazards and can be expressed as potential damages. Generally, we attempt to reduce risk by better risk management, such as increase of resilience, protection and spatial planning. Caribbean islands are hit by hurricanes and tropical storms with a frequency of 1 to 2 every 10 years, with devastating consequences in terms of flash floods and landslides. The islands basically consist of a central (volcanic) mountain range, with medium and small sized catchments radiating outward towards the ocean. The coastal zone is inhabited, while the ring road network is essential for functioning of the island. An example of a case study is given for the island of Saint Lucia. Recorded rainfall intensities during tropical storms of 12 rainfall stations surpass 200 mm/h, causing immediate flash floods. Very often however, sediment is a forgotten variable in flash flood management: protection and mitigation measures as well as spatial planning all focus on the hydrology, the extent and depth of flood water, and sometimes of flood velocities. With recent developments, the opensource model LISEM includes hydrology and runoff, flooding, and erosion, transport and deposition both in runoff, channel flow and flood waters. We will discuss the practical solutions we implemented in connecting slopes, river channels and floodplains in terms of water and sediment, and the strength and weaknesses we have encountered so far. Catchment analysis shows two main effects: on the one hand in almost all cases upstream flooding serves as a temporary water storage that prevents further damage downstream, while on the other hand, erosion upstream often blocks bridges and decreases channel storage downstream, which increases the

  10. Variabilidade em matrizes de acessos de espinheira-santa Variability in matrices of espinheira-santa accessions

    Directory of Open Access Journals (Sweden)

    Márcio Paim Mariot

    2008-04-01

    Full Text Available Maytenus ilicifolia e M. aquifolium são espécies nativas do Brasil, popularmente conhecidas como espinheira-santa, sendo indicadas para gastrite e para úlcera estomacal. A Embrapa Clima Temperado e a Universidade Federal de Pelotas (UFPel mantêm um banco de germoplasma destas espécies. Com o objetivo de identificar a variabilidade fenotípica para alguns caracteres morfológicos em matrizes de espinheira-santa, estimar a dissimilaridade e agrupar os acessos através de análises multivariadas, 105 acessos foram caracterizados morfologicamente. Foram avaliados os caracteres comprimento e largura de fruto, número de sementes por fruto, comprimento e largura de folha, relação comprimento/largura de folha e número de espinhos por folha. Foi estimada a distância euclidiana e os acessos foram agrupados pelo método de otimização de Tocher. Foi observada uma ampla variabilidade para todos os caracteres analisados. O número de espinhos por folha foi o caráter que mais contribuiu para a divergência. Os caracteres morfológicos permitiram separar os acessos em sete grupos. A maior dissimilaridade foi entre os acessos 57 (M. ilicifolia e 91 (M. aquifolium. Não foi evidenciada uma separação de acordo com a localização geográfica dos acessos. Na análise de agrupamento foram identificados dois grupos que apresentavam tanto acessos de M. ilicifolia quanto de M. aquifolium, o que indica proximidade filogenética entre estas espécies.Maytenus ilicifolia and M. aquifolium are native Brazilian species popularly known as espinheira-santa, being indicated for gastritis and stomach ulcer. Embrapa Clima Temperado and Universidade Federal de Pelotas (UFPel keep a gene bank of these species. With the objective of identifing phenotypic variability for some morphological characters in matrices of espinheira-santa, estimating dissimilarity and clustering accessions through multivariate analysis, 105 accessions had been morphologically characterized

  11. Frequencies of polymorphisms of the Rh, Kell, Kidd, Duffy and Diego systems of Santa Catarina, Southern Brazil

    Directory of Open Access Journals (Sweden)

    Daiane Cobianchi Costa

    Full Text Available ABSTRACT BACKGROUND: Red blood cell genes are highly polymorphic with the distribution of alleles varying between different populations and ethnic groups. The objective of this study was to investigate gene polymorphisms of blood groups in the state of Santa Catarina, Southern Brazil. METHODS: Three hundred and seventy-three unrelated blood donors and 31 transfusion-dependent patients were evaluated to investigate polymorphisms of the Rh, Kell, Duffy, Kidd, and Diego blood group systems in a population from the state of Santa Catarina. The subjects, from seven regions that comprise the blood-banking network of the state, were assessed between August 2011 and March 2014. The genotypes of the Rh, Kell, Duffy, Kidd, and Diego systems were determined using the restriction fragment length polymorphism-polymerase chain reaction and allele-specific polymerase chain reaction techniques. RESULTS: The genotype frequencies in this study were significantly different when populations from different regions of Santa Catarina were compared. Furthermore, there were also significant differences in the genetic frequencies compared to other Brazilian states. The genotype frequencies of the Kell and Kidd blood groups are similar to European populations from Naples, Italy and Zurich, Switzerland. CONCLUSION: This article reports for the first time the frequency of polymorphisms of blood group systems in blood donors from Santa Catarina, Southern Brazil.

  12. 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

  13. Volcanic stratigraphy and geochemistry of the Soufrière Volcanic Centre, Saint Lucia with implications for volcanic hazards

    Science.gov (United States)

    Lindsay, Jan M.; Trumbull, Robert B.; Schmitt, Axel K.; Stockli, Daniel F.; Shane, Phil A.; Howe, Tracy M.

    2013-05-01

    The Soufrière Volcanic Complex (SVC), Saint Lucia, represents one of the largest silicic centres in the Lesser Antilles arc. It comprises extensive pumiceous pyroclastic flow deposits, lava flows as well as Peléan-style domes and dome collapse block-and-ash-flow deposits. These deposits occur within and around the Qualibou Depression, a ~ 10-km diameter wide sector collapse structure. To date, vent locations for SVC pyroclastic deposits and their relationship to the sector collapse have been unclear because of limited stratigraphic correlation and few radiometric ages. In this study we reconstruct the geologic history of the SVC in light of new and recently published (U-Th)/He, U-Th and U-Pb zircon chronostratigraphic data, aided by mineralogical and geochemical correlation. Compositionally, SVC deposits are monotonous medium-K, calc-alkaline rocks with 61.6 to 67.7 wt.% SiO2 and display similar trace element abundances. Combined U-Th and (U-Th)/He zircon dating together with 14C ages and mineral fingerprinting reveals significant explosive eruptions at 640, 515, 265, 104, 60 and 40 ka (producing deposits previously grouped together as the "Choiseul" unit) and at 20 ka (Belfond unit). The mineralogically and geochemically distinct Belfond unit is a large, valley-filling pumiceous pyroclastic flow deposit distributed to the north, northeast, south and southeast of the Qualibou Depression that was probably deposited during a single plinian eruption. The unit previously referred to as ‘Choiseul tuff' is much less well defined. The typical Choiseul unit comprises a series of yellowish-white, crystal-poor, non-welded pumiceous pyroclastic deposits cropping out to the north and southeast of the Qualibou depression; however its age is poorly constrained. A number of other units previously mapped as Choiseul can be distinguished based on age, and in some cases mineral and whole rock chemistry. Pyroclastic deposits at Micoud (640 ± 19 ka), Bellevue (264 ± 8 ka), Anse

  14. BANKING WITHOUT INTEREST

    Directory of Open Access Journals (Sweden)

    Jana Ilieva

    2017-06-01

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

  15. BANKING UNION - ROMANIAN PERSPECTIVE

    Directory of Open Access Journals (Sweden)

    Coroiu Sorina Ioana

    2015-07-01

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

  16. Agreement of 2 February 1990 between Saint Lucia and the International Atomic Energy Agency for the application of safeguards in connection with the Treaty on the Non-Proliferation of Nuclear Weapons

    International Nuclear Information System (INIS)

    1996-10-01

    The document reproduces the text of the Exchange of Letters of 6 November 1995 and 24 April 1996 with Saint Lucia in connection with the Treaty for the Prohibition of Nuclear Weapons in Latin America and the Caribbean ('the Tlatelolco Treaty'). The agreement reflected in the Exchange of Letters was approved by the Board of Governors on 12 June 1996

  17. The introduction of Melanoides tuberculata (Mollusca: Thiaridae) to the island of Saint Lucia (West Indies) and its role in the decline of Biomphalaria glabrata, the snail intermediate host of Schistosoma mansoni.

    Science.gov (United States)

    Pointier, J P

    1993-06-01

    A malacological survey was carried out in May 1992 in the whole hydrographic system of Saint Lucia 11 years after the end of a biological control programme to eliminate Biomphalaria glabrata, the snail intermediate host of Schistosoma mansoni. A competitor snail, Melanoides tuberculata, was introduced to Saint Lucia in 1978 and field experiments in several habitats were conducted by Prentice between 1978 and 1986. At the present time M. tuberculata is the most common freshwater snail in Saint Lucia. The results of the survey, undertaken in sites where B. glabrata occurred in large populations in the past showed (i) the absence of the snail hosts from seven sites now extensively colonized by the competitor (ii) the presence of B. glabrata in low or very low densities in 17 sites together with the competitor and (iii) the presence of the intermediate hosts in large populations in only two sites where M. tuberculata was absent. These results confirm the positive results observed by Prentice. The presence of another planorbid snail, B. straminea, is reported for the first time in Saint Lucia.

  18. 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...

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

    OpenAIRE

    Thomas F. Cargill

    2006-01-01

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

  20. Modernization projects in Santa Maria e Garona

    International Nuclear Information System (INIS)

    Marcos, R.; Alutiz, J. I.; Garcia Sanchez, M.

    2011-01-01

    This article shows a vision of the Santa Maria de Garona power Plant modernization guidelines and it also presents the most significant projects deployed in the last decade at the power plant grouped in mechanics projects, electrical projects, instrumentations projects and IT projects. At the same time three projects are explained in more detail: the change of one of the main transformers, the evolution from paper recorders to paperless video graphic recorders and the new plant data information system. (Author)

  1. Radon mapping - Santa Barbara and Ventura counties

    International Nuclear Information System (INIS)

    Churchill, R.

    1997-01-01

    Since 1990, the Department of Conservation''s Division of Mines and Geology (DMG) has provided geologic information and conducted several research projects on geology and radon for the California Department of Health Services (DHS) Radon Program. This article provides a brief overview of radon''s occurrence and impact on human health, and summarizes a recent DMG project for DHS that used geologic, geochemical, and indoor radon measurement data to produce detailed radon potential zone maps for Santa Barbara and Ventura counties

  2. 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

  3. 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...

  4. An evaluation of ambient sulphur dioxide concentrations from passive degassing of the Sulphur Springs, Saint Lucia geothermal system: Implications for human health

    Science.gov (United States)

    Joseph, Erouscilla P.; Beckles, Denise M.; Cox, Leonette; Jackson, Viveka B.; Alexander, Dominic

    2015-10-01

    Sulphur Springs Park in Saint Lucia is a site of energetic geothermal activity associated with the potentially active Soufrière Volcanic Centre. The Park is one of Saint Lucia's most important tourist attractions, and is marketed as the 'world's only drive-in volcano'. It has an on-site staff of tour guides and vendors, as well as over 200,000 visitors annually. There are also a number of residents living in the areas bordering the Park. Recreational use is made of the geothermal waters for bathing, application of mud masques, and in some cases drinking. As part of the University of the West Indies, Seismic Research Centre's (UWI-SRC's) overall volcano monitoring programme for Saint Lucia, the volcanic emissions at Sulphur Springs (hot springs, mud pools and fumaroles) have been regularly monitored since 2001. In recent years, visitors, staff, and management at the Park have expressed concern about the health effects of exposure to volcanic emissions from the hydrothermal system. In response to this, SRC has expanded its regular geothermal monitoring programme to include a preliminary evaluation of ambient sulphur dioxide (SO2) concentrations in and around the Park, to assess the possible implications for human health. Passive diffusion tubes were used to measure the atmospheric SO2 concentrations at various sites in Sulphur Springs Park (SSP), in the town of Soufrière and in the capital of Castries. Measurements of average monthly ambient SO2 with the passive samplers indicated that during the dry season period of April to July 2014 concentration at sites closest to the main vents at SSP (Group 1), which are routinely used by staff and visitors, frequently exceeded the WHO 10-minute AQG for SO2 of 500 μg/m3. However, for sites that were more distal to the main venting area (Groups 2 and 3), the average monthly ambient SO2 did not exceed the WHO 10-minute AQG for SO2 of 500 μg/m3 during the entire monitoring period. The measured concentrations and dispersion

  5. Nuclear fuel banks

    International Nuclear Information System (INIS)

    Anon.

    2010-01-01

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

  6. Tissue banking in australia.

    Science.gov (United States)

    Ireland, Lynette; McKelvie, Helen

    2003-01-01

    The legal structure for the regulation of tissue banking has existed for many years. In Australia, the donation of human tissue is regulated by legislation in each of the eight States and Territories. These substantially uniform Acts were passed in the late 1970's and early 1980's, based on model legislation and underpinned by the concept of consensual giving. However, it was not until the early 1990's that tissue banking came under the notice of regulatory authorities. Since then the Australian Government has moved quickly to oversee the tissue banking sector in Australia. Banked human tissue has been deemed to be a therapeutic good under the Therapeutic Goods Act 1989, and tissue banks are required to be licensed by the Therapeutic Goods Administration and are audited for compliance with the Code of Good Manufacturing Practice- Human Blood and Tissues. In addition, tissue banks must comply with a myriad of other standards, guidelines and recommendations.

  7. Banks, regions and development

    Directory of Open Access Journals (Sweden)

    Pietro Alessandrini

    2003-03-01

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

  8. Banking: shop and compare.

    Science.gov (United States)

    O'Brien, Jennifer A; DeJarnette, Sherry

    2014-01-01

    There are many reasons to take a critical look at the practice's banking relationship(s)--technology advancements, security measures, improvements in available services, recent banking enhancements designed specifically for medical practices, the impact of the financial crisis on bank ratings and stability, changing practice needs, opportunities for operational automation at the practice--and it is just simply smart to periodically evaluate and compare the features, pricing, and potential savings offered by vendors.

  9. Digital Banking 2025

    OpenAIRE

    Gasser, Urs; Gassmann, Oliver; Hens, Thorsten; Leifer, Larry; Puschmann, Thomas; Zhao, Leon

    2017-01-01

    As time-to-market for digital banking products becomes shorter and shorter, thousands of Financial Technology (FinTech) startups and other non-banks are rising to the occasion by developing new products, services, and business models for all areas of banking in payments,investments, and financing along the entire value chain, touching all areas from front to back office, as client adoption of these new services accelerates. The lighting Company Osram, for example, recently had to reduce its w...

  10. Method of Banks Valuation

    OpenAIRE

    Eva Horvátová

    2010-01-01

    Since there is not a special common framework for valuation banks and it gives possibilities to create establishment, improvement and adaptation of various approaches to measuring the value of banks and financial institutions. Most approaches banks valuation note the strong dependence of financial institutions value from market interest rates (Mishkin, F., Miller, WD, Copeland, T., Koller, T., Damodaran, A., and others). Each approache reflects greater or lesser degree of accuracy depending o...

  11. GenBank

    OpenAIRE

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

    2008-01-01

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

  12. GenBank

    OpenAIRE

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

    2012-01-01

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

  13. Banking Fees in Australia

    OpenAIRE

    Sarah Rudd; Chris Stewart

    2012-01-01

    The Reserve Bank has conducted a survey on bank fees each year since 1997. The results of the latest survey show that banks’ aggregate fee income rose slightly in the banks’ 2011 financial years, but that growth in fee income was less than that in banks’ total assets. Fee income from households declined while fee income from businesses grew, largely as a result of increases in fees on business loans and bank bills.

  14. Danske Bank - Imagekrise

    OpenAIRE

    Agerlin, Anne; Holmqvist, Maja

    2014-01-01

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

  15. Optimal preventive bank supervision

    OpenAIRE

    Belhaj, Mohamed; Klimenko, Nataliya

    2012-01-01

    Early regulator interventions into problem banks is one of the key suggestions of Basel Committee on Banking Supervision. However, no guidance is given on their design. To fill this gap, we outline an incentive-based preventive supervision strategy that eliminates bad asset management in banks. Two supervision techniques are combined: temporary regulatory administration and random audits. Our design ensures good management without excessive supervision costs, through a gradual adjustment of...

  16. Shareholder activism in banking

    OpenAIRE

    Roman, Raluca

    2015-01-01

    This paper conducts the first assessment of shareholder activism in banking and its effects on risk and performance. The focus is on the conflicts among bank shareholders, managers, and creditors (e.g., regulators, deposit insurer, taxpayers, depositors). This paper finds activism may generally be a destabilizing force, increasing bank risk-taking, but creating market value for shareholders, and leaving operating returns unchanged, consistent with the empirical dominance of the Shareholder-Cr...

  17. Bank Resolution in Europe

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

    Bank resolution is a key pillar of the European Banking Union. This column argues that the current structure of large EU banks is not conducive to an effective and unbiased resolution procedure. The authors would require systemically important banks to reorganise into a ‘holding company’ structure......, where the parent company holds unsecured term debt sufficient to cover losses at its operating financial subsidiaries. This would facilitate a ‘single point of entry’ resolution procedure, minimising the risk of creditor runs and destructive ring-fencing by national regulators....

  18. Banking Fees in Australia

    OpenAIRE

    Reserve Bank of Australia

    2010-01-01

    The Reserve Bank has conducted a survey on bank fees each year since 1997. In 2009 growth in fee income increased slightly from recent years though it was again slower than growth in banks’ balance sheets. Growth in fee income was higher for businesses than for households. Banks reacted to the financial crisis by competing more aggressively for deposit funding which resulted in total fee income from deposit accounts falling, and repricing loan products which contributed to an increase in fe...

  19. Comparative reproductive biology of the social parasite Acromyrmex ameliae de Souza, Soares & Della Lucia and of its host Acromyrmex subterraneus subterraneus Forel (Hymenoptera: Formicidae).

    Science.gov (United States)

    Soares, Ilka M F; Della Lucia, Terezinha M C; Pereira, Alice S; Serrão, José E; Ribeiro, Myriam M R; De Souza, Danival J

    2010-01-01

    Social parasites exhibit several characteristics that allow them to exploit their host species efficiently. The smaller size of parasite species is a trait commonly found in ants. In this work, we investigated several aspects of the reproductive biology of Acromyrmex ameliae De Souza, Soares & Della Lucia, a recently discovered parasite of Acromyrmex subterraneus subterraneus Forel. Sexuals of A. ameliae are substantially smaller than those from host species. Parasite queens laid significantly less worker eggs than host queens and inhibit sexual production of the host. The sex ratio of parasite species is highly female biased. Interestingly, we have observed parasite coupling on the laboratory, inside the nests and in the ground, opening the possibility to use controlled mating to study genetic approaches of parasitism in the ants.

  20. Essays on banking and regulation

    NARCIS (Netherlands)

    Todorov, R.I.

    2013-01-01

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

  1. Response of the mesozooplankton community of the St Lucia estuary, South Africa, to a mouth-opening event during an extended drought

    Science.gov (United States)

    Jerling, Hendrik L.; Vivier, Leon; Cyrus, Digby P.

    2010-03-01

    Mesozooplankton samples were collected between March 2005 and November 2008 in St Lucia, the largest estuarine lake system in South Africa. St Lucia experienced an extended period of drought before and during the present study. This drought led to natural closing of the estuary mouth as a result of flood-tide marine sediment deposition in 2002. In March 2007 the mouth was washed open by exceptionally high tidal and wave conditions. This resulted in an influx of a large volume of seawater. The mouth closed again in August 2007. Before opening of the mouth salinities in the Estuary were below 10 and large parts of North Lake dried up while South Lake retained a relatively stable waterbody with salinities between 10 and 30. When the mouth opened seawater flooded the system and salinities changed to about 35. After the mouth had closed again in August 2007 salinities increased in the lakes and decreased in the Estuary. The mesozooplankton community was dominated by copepods during all sampling sessions, especially by the estuarine calanoids Pseudodiaptomus stuhlmanni and Acartia natalensis. Mean mesozooplankton densities were significantly higher in South Lake before the mouth opened in March 2007. While zooplankton density decreased when the mouth opened species richness increased with the influx of coastal marine species, especially in the Estuary. Overall zooplankton densities declined progressively as salinity increased to hypersaline levels after mouth closure. Multivariate analyses supported significant differences between the lakes and the Estuary in terms of mesozooplankton community composition. Taxa mostly responsible for the similarities within and dissimilarity between sections of the system were the copepods P. stuhlmanni and A. natalensis with the meroplankton, crab zoeae and mollusc larvae, also contributing significantly after the mouth-opening event.

  2. Amplified spontaneous emission and thermal management on a high average-power diode-pumped solid-state laser - the Lucia laser system

    International Nuclear Information System (INIS)

    Albach, D.

    2010-01-01

    The development of the laser triggered the birth of numerous fields in both scientific and industrial domains. High intensity laser pulses are a unique tool for light/matter interaction studies and applications. However, current flash-pumped glass-based systems are inherently limited in repetition-rate and efficiency. Development within recent years in the field of semiconductor lasers and gain media drew special attention to a new class of lasers, the so-called Diode Pumped Solid State Laser (DPSSL). DPSSLs are highly efficient lasers and are candidates of choice for compact, high average-power systems required for industrial applications but also as high-power pump sources for ultra-high intense lasers. The work described in this thesis takes place in the context of the 1 kilowatt average-power DPSSL program Lucia, currently under construction at the 'Laboratoire d'Utilisation des Laser Intenses' (LULI) at the Ecole Polytechnique, France. Generation of sub-10 nanosecond long pulses with energies of up to 100 joules at repetition rates of 10 hertz are mainly limited by Amplified Spontaneous Emission (ASE) and thermal effects. These limitations are the central themes of this work. Their impact is discussed within the context of a first Lucia milestone, set around 10 joules. The developed laser system is shown in detail from the oscillator level to the end of the amplification line. A comprehensive discussion of the impact of ASE and thermal effects is completed by related experimental benchmarks. The validated models are used to predict the performances of the laser system, finally resulting in a first activation of the laser system at an energy level of 7 joules in a single-shot regime and 6.6 joules at repetition rates up to 2 hertz. Limitations and further scaling approaches are discussed, followed by an outlook for the further development. (author) [fr

  3. Islamic banks and profitability: an empirical analysis of Indonesian banking

    OpenAIRE

    Jordan, Sarah

    2013-01-01

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

  4. PRIVATE BANKING AND WEALTH MANAGEMENT SERVICES OFFERED BY BANKS

    OpenAIRE

    IMOLA DRIGĂ; DORINA NIŢĂ; IOAN CUCU

    2009-01-01

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

  5. 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.

  6. Physical data of soil profiles formed on late Quaternary marine terraces near Santa Cruz, California

    Science.gov (United States)

    Munster, Jennie; Harden, Jennifer W.

    2002-01-01

    The marine terraces in and around Santa Cruz, California, represent a set of well-preserved terraces formed as a product of geology, sea level, and climate. A marine terrace begins as a wave cut platform. Eustatic sea level changes, seacliff erosion, and tectonic uplift work together to generate marine terraces. "When a wave-cut platform is raised (due to tectonic activity) above sea level and cliffed by wave action it becomes a marine terrace" (Bradley, 1957, p. 424). During glacial periods, eustatic sea level is estimated to have dropped by 150 meters (Fairbanks, 1989). Cliff retreat measured from aerial photographs between 1930 and 1980 vary from 0.0 to 0.2 m yr–1 (Best and Griggs, 1991). Estimates of uplift rates along the Santa Cruz coastline vary from 0.10 to 0.48 m kyr–1 (Bradley and Griggs, 1976; Weber and others, 1999). Uplift mechanisms include coseismic uplift associated both with a reverse component of slip on the steeply SW dipping Loma Prieta fault in the restraining bend of the San Andreas Fault and a small component of reverse slip on the steeply SE dipping San Gregorio fault (Anderson and Menking 1994). Previous work studying physical properties on these terraces include Pinney and others (in press) and Aniku (1986) and Bowman and Estrada (1980). Sedimentary deposits of the marine terraces are a mixture of terrestrial and marine sediments but generally consist of a sheet of marine deposits overlying the old platform and a wedge of nonmarine deposits banked against the old sea cliff (Bradley, 1957). Bedrock underlying the terraces in the Santa Cruz area is generally either Santa Margarita Sandstone or Santa Cruz Mudstone. The Santa Margarita Sandstone represents an upper Miocene, transgressive, tidally dominated marine-shelf deposit with crossbedded sets of sand and gravel and horizontally stratified and bioturbated invertebrate-fossils beds (Phillips, 1990). The siliceous Santa Cruz Mudstone, of late Miocene age, conformably overlies the Santa

  7. Geographic diversification in banking

    NARCIS (Netherlands)

    Fang, Yiwei; van Lelyveld, Iman

    2014-01-01

    In the aftermath of the 2007-2009 crisis, banks claiming positive diversification benefits are being met with skepticism. Nevertheless, diversification might be important and sizable for some large internationally active banking groups. We use a universally applicable correlation matrix approach to

  8. Banking. Teaching Guide.

    Science.gov (United States)

    Florida Univ., Gainesville. Florida Cooperative Extension Service.

    One in a series of consumer education materials for teenagers, this document focuses on banking and banking services. The series is based on the philosophy that teens need the training and guidance to develop the skills needed to become competent consumers. Developed for 4-H Club members, the material is designed to acquaint students with the…

  9. 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

  10. Optimal Central Bank Transparency

    NARCIS (Netherlands)

    van der Cruijsen, C.A.B.; Eijffinger, S.C.W.; Hoogduin, L.H.

    2008-01-01

    Should central banks increase their degree of transparency any further? We show that there is likely to be an optimal intermediate degree of central bank transparency. Up to this optimum more transparency is desirable: it improves the quality of private sector inflation forecasts. But beyond the

  11. Optimal central bank transparency

    NARCIS (Netherlands)

    van der Cruijsen, C.A.B.; Eijffinger, S.C.W.; Hoogduin, L.

    2008-01-01

    Should central banks increase their degree of transparency any further? We show that there is likely to be an optimal intermediate degree of central bank transparency. Up to this optimum more transparency is desirable: it improves the quality of private sector inflation forecasts. But beyond the

  12. Optimal central bank transparency

    NARCIS (Netherlands)

    van der Cruijsen, C.A.B.; Eijffinger, S.C.W.; Hoogduin, L.H.

    2010-01-01

    Should central banks increase their degree of transparency any further? We show that there is likely to be an optimal intermediate degree of central bank transparency. Up to this optimum more transparency is desirable: it improves the quality of private sector inflation forecasts. But beyond the

  13. Transparency of Banking Supervisors

    NARCIS (Netherlands)

    Liedorp, Franka; Mosch, Robert; van der Cruijsen, Carin; de Haan, Jakob

    Following Eijffinger and Geraats (2006), this paper constructs an index of transparency of banking supervisors that takes political, economic, procedural, policy, and operational transparency into account. Based on a survey, the index is constructed for 24 banking supervisors. The average score is

  14. International fuel bank

    International Nuclear Information System (INIS)

    The working group discusses the establishment of an international bank for nuclear fuels. The statements by representatives of seven countries discuss the specific features of a bank of this kind which is set up to facilitate access to nuclear fuels but also to permit a more rigid control in the sense of the non-proliferation philosophy

  15. Destroy The Bank! (case)

    NARCIS (Netherlands)

    G.J. Van der Star; dr. A. Maas

    2016-01-01

    DZ Bank faces some significant challenges for the near future. One of them is the way payments are being made. This case is about Stefan, the Strategic Management Consultant of DZ Bank. He struggles with innovations and new technologies, such as Bitcoins. What does this mean for the future of the

  16. Banking and trading

    NARCIS (Netherlands)

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

    2013-01-01

    We study the interaction between relationship banking and short-term, scalable arm’s length finance which we call trading. Relationship banking is not scalable, has high franchise value, is long-term oriented and low risk. Trading is transaction-based: scalable, with lower margins (capital

  17. The macroeconomics of banking

    NARCIS (Netherlands)

    van der Kwaak, C.G.F.

    2017-01-01

    This thesis studies the macroeconomic effectiveness of monetary and fiscal policy in an environment where commercial banks are undercapitalized after a financial crisis and have large holdings of (risky) government bonds on their balance sheets. An undercapitalized banking system cannot perfectly

  18. The competitive challenge in banking

    NARCIS (Netherlands)

    Boot, A.W.A.; Schmeits, A.

    2005-01-01

    The increasingly competitive environment poses challenges to bankers. This paper emphasizes relationship banking as a prime source of the banks' comparative advantage. The proliferation of transaction-oriented banking (trading and financial market activities) does however seriously challenge

  19. The Solar Bank concept

    International Nuclear Information System (INIS)

    Eckhart, M.T.

    1999-01-01

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

  20. Competition in investment banking

    Directory of Open Access Journals (Sweden)

    Katrina Ellis

    2011-01-01

    Full Text Available We construct a comprehensive measure of overall investment banking competitiveness for follow-on offerings that aggregates the various dimensions of competition such as fees, pricing accuracy, analyst recommendations, distributional abilities, market making prowess, debt offering capabilities, and overall reputation. The measure allows us to incorporate trade-offs that investment banks may use in competing for new or established clients. We find that firms who switch to similar-quality underwriters enjoy more intense competition among investment banks which manifests in lower fees and more optimistic recommendations. Investment banks do compete vigorously for some clients, with the level of competition related to the likelihood of gaining or losing clients. Finally, investment banks not performing up to market norms are more likely to be dropped in the follow-on offering. In contrast, firms who seek a higher reputation underwriter face relatively non-competitive markets.

  1. 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

  2. BANKING SUPERVISION IN EUROPEAN UNION

    OpenAIRE

    Lavinia Mihaela GUȚU; Vasile ILIE

    2013-01-01

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

  3. Bank and sovereign debt risk

    OpenAIRE

    Darracq Paries, Matthieu; Faia, Ester; Rodriguez-Palenzuela, Diego

    2013-01-01

    Euro area data show a positive connection between sovereign and bank risk, which increases with banks' and sovereign long run fragility. We build a macro model with banks subject to incentive problems and liquidity risk (in the form of liquidity based banks' runs) which provides a link between endogenous bank capital and macro and policy risk. Our banks also invest in risky government bonds used as capital buffer to self-insure against liquidity risk. The model can replicate the positive conn...

  4. "Santa Maria" forever : Eesti ja Portugali kirjandussuhetest / Toomas Haug

    Index Scriptorium Estoniae

    Haug, Toomas, 1956-

    2012-01-01

    Jaanuaris 1961 Portugali diktaatorlikule režiimile protestiks kaaperdatud laevast "Santa Maria", mis sai omamoodi vabaduse ja vastuhaku sümboliks ka okupeeritud Eestis. Artiklis käsitletakse sellest sündmusest mõjutatud teoseid, täpsemalt Aleksander Suumanni maali "Santa Maria" ja Paul-Eerik Rummo samanimelist luuletust

  5. "Santa Maria" forever : Eesti ja Portugali kirjandussuhetest / Toomas Haug

    Index Scriptorium Estoniae

    Haug, Toomas, 1956-

    2015-01-01

    Jaanuaris 1961 Portugali diktaatorlikule režiimile protestiks kaaperdatud laevast "Santa Maria", mis sai omamoodi vabaduse ja vastuhaku sümboliks ka okupeeritud Eestis. Artiklis käsitletakse sellest sündmusest mõjutatud teoseid, täpsemalt Aleksander Suumanni maali "Santa Maria" ja Paul-Eerik Rummo samanimelist luuletust

  6. Free inside: The Music Class at Santa Ana Jail

    Science.gov (United States)

    Fierro, Joe

    2010-01-01

    This article examines the workings of the music class at the Santa Ana Jail in Santa Ana, California. It gives us insight into a jail system and a music class focused on helping inmates position themselves to become productive members of society. In this article I examine how the facility encourages inmates' good behaviour and why the music class…

  7. Mrštíkův román Santa Lucia jako reflex debaty o realismu na přelomu osmdesátých a devadesátých let

    Czech Academy of Sciences Publication Activity Database

    Hrdina, Martin

    2013-01-01

    Roč. 45, č. 2013 (2013), s. 32-52 ISSN 0231-5904 R&D Projects: GA ČR GPP406/12/P839 Institutional support: RVO:68378068 Keywords : the style of realism * photography * Mrštík, Vilém * 19th-20th centuries * Czech literature Subject RIV: AJ - Letters, Mass-media, Audiovision

  8. Hydrodynamic Modeling of Santa Marta's Big Marsh

    International Nuclear Information System (INIS)

    Saldarriaga, Juan

    1991-01-01

    The ecological degradation of Santa Marta's Big Marsh and their next areas it has motivated the realization of diagnosis studies and design by several state and private entities. One of the recommended efforts for international advisory it was to develop an ecological model that allowed the handling of the water body and the economic test of alternative of solution to those ecological problems. The first part of a model of this type is in turn a model that simulates the movement of the water inside the marsh, that is to say, a hydrodynamic model. The realization of this was taken charge to the civil engineering department, on the part of Colciencias. This article contains a general explanation of the hydrodynamic pattern that this being developed by a professors group. The ecological causes are described and antecedent, the parts that conform the complex of the Santa Marta big Marsh The marsh modeling is made and it is explained in qualitative form the model type Hydrodynamic used

  9. Heavy rainfall equations for Santa Catarina, Brazil

    Directory of Open Access Journals (Sweden)

    Álvaro José Back

    2011-12-01

    Full Text Available Knowledge of intensity-duration-frequency (IDF relationships of rainfall events is extremely important to determine the dimensions of surface drainage structures and soil erosion control. The purpose of this study was to obtain IDF equations of 13 rain gauge stations in the state of Santa Catarina in Brazil: Chapecó, Urussanga, Campos Novos, Florianópolis, Lages, Caçador, Itajaí, Itá, Ponte Serrada, Porto União, Videira, Laguna and São Joaquim. The daily rainfall data charts of each station were digitized and then the annual maximum rainfall series were determined for durations ranging from 5 to 1440 min. Based on these, with the Gumbel-Chow distribution, the maximum rainfall was estimated for durations ranging from 5 min to 24 h, considering return periods of 2, 5, 10, 20, 25, 50, and 100 years,. Data agreement with the Gumbel-Chow model was verified by the Kolmogorov-Smirnov test, at 5 % significance level. For each rain gauge station, two IDF equations of rainfall events were adjusted, one for durations from 5 to 120 min and the other from 120 to 1440 min. The results show a high variability in maximum intensity of rainfall events among the studied stations. Highest values of coefficients of variation in the annual maximum series of rainfall were observed for durations of over 600 min at the stations of the coastal region of Santa Catarina.

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

    African Journals Online (AJOL)

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

  11. FUNGSI SOSIAL BANK SYARIAH

    Directory of Open Access Journals (Sweden)

    Prehantoro

    2010-04-01

    Full Text Available Bank of Moslem law one of its target is profit oriented as financial institution intermediasi beside as institute of baitul maal. Bank of Moslem law can accept the fund coming from zakat , infak, alms, hibah, or other social fund which among other things come the ta’zir. Bank of Moslem law also channel it social fund coming from communal ownership of money to communal ownership organizer (nadzir as according to will ;desire of communal ownership giver (wakif. social Function execution have to pursuant to Statute of Management of Zakat and Statute of Wakaf.

  12. Agreement of 2 February 1990 between Saint Lucia and the International Atomic Energy Agency for the application of safeguards in connection with the Treaty on the Non-Proliferation of Nuclear Weapons

    International Nuclear Information System (INIS)

    1990-05-01

    The document contains two parts. The first part stipulates the agreement of Saint Lucia to accept safeguards on all source or special fissionable material in all peaceful nuclear activity within its territory, under its jurisdiction or carried out under its control anywhere, for the exclusive purpose of verifying that such material is not diverted to nuclear weapons or other nuclear explosive devices. The second part specifies the procedures to be applied in the implementation of the safeguards provisions of Part 1

  13. Modernization projects in Santa Maria e Garona; Proyectos de modernizacion en Santa Maria de Garona

    Energy Technology Data Exchange (ETDEWEB)

    Marcos, R.; Alutiz, J. I.; Garcia Sanchez, M.

    2011-07-01

    This article shows a vision of the Santa Maria de Garona power Plant modernization guidelines and it also presents the most significant projects deployed in the last decade at the power plant grouped in mechanics projects, electrical projects, instrumentations projects and IT projects. At the same time three projects are explained in more detail: the change of one of the main transformers, the evolution from paper recorders to paperless video graphic recorders and the new plant data information system. (Author)

  14. Banking on the Nation

    DEFF Research Database (Denmark)

    Ravn Sørensen, Anders

    2015-01-01

    In this article, I analyse the narratives of four Danish central bank governors from the late nineteenth century until the mid-1990s. By conducting a historical analysis informed by neo-institutional theory, I show how these central bank governors were continuously involved in public debates over...... the appropriateness and desirability of their decisions and policies. In these debates, interpretations and reproductions of Danish national identity were central to the governors' claims to legitimacy. I argue that past narratives of the Danish central bank and its governors enabled and framed future legitimacy...... claims and that the central bank and its governors gradually became embedded in national identity. Thus, the article highlights the historical development of the co-configuring relationship between Danish national identity and the legitimacy of monetary organization....

  15. Protein Data Bank (PDB)

    Data.gov (United States)

    U.S. Department of Health & Human Services — The Protein Data Bank (PDB) archive is the single worldwide repository of information about the 3D structures of large biological molecules, including proteins and...

  16. Reliability data banks

    International Nuclear Information System (INIS)

    Cannon, A.G.; Bendell, A.

    1991-01-01

    Following an introductory chapter on Reliability, what is it, why it is needed, how it is achieved and measured, the principles of reliability data bases and analysis methodologies are the subject of the next two chapters. Achievements due to the development of data banks are mentioned for different industries in the next chapter, FACTS, a comprehensive information system for industrial safety and reliability data collection in process plants are covered next. CREDO, the Central Reliability Data Organization is described in the next chapter and is indexed separately, as is the chapter on DANTE, the fabrication reliability Data analysis system. Reliability data banks at Electricite de France and IAEA's experience in compiling a generic component reliability data base are also separately indexed. The European reliability data system, ERDS, and the development of a large data bank come next. The last three chapters look at 'Reliability data banks, - friend foe or a waste of time'? and future developments. (UK)

  17. Bangladesh Bank Heist

    OpenAIRE

    Md Ahsan Habib

    2017-01-01

    Cyber crime is a threat to our E- commerce . A hacker group named "Lazarus" hacked $951 million from Bangladesh Bank's account. This is the short case study of this incident with professional ethical view.

  18. Mitigation Banking Factsheet

    Science.gov (United States)

    A mitigation bank is an aquatic resource area that has been restored, established, enhanced, or preserved for the purpose of providing compensation for unavoidable impacts to aquatic resources permitted under Section 404

  19. Competition between bank regulators

    OpenAIRE

    Schindler, Dirk; Eggert, Wolfgang

    2004-01-01

    This paper examines competition between bank regulators in open economies. We use a model where credit demand of firms is endogenous and show any tendency for downward competition in regulation policy is limited by the effect of regulation on profits of nonfinancial firms. Moreover, perfect mobility on loans and deposit markets fully eliminates the incentives of regulators to set bank regulation at ine±cient low levels.

  20. Central banks: Paradise lost

    OpenAIRE

    Issing, Otmar

    2012-01-01

    The focus of the paper is to analyze how the concept behind central bank policy developed over time and how the recent financial crisis and its consequences will have an influence. While the principles of the institutional arrangement for central banks (independence, clear mandate, prohibition of monetary financing) are relevant as ever, pre- crisis consensus strategies of monetary policy have been revealed as flawed. The close monitoring of money and credit developments, a key lesson to be d...

  1. Improving Banking Supervision

    OpenAIRE

    Mayes, David G.

    1998-01-01

    This paper explains how banking supervision within the EU, and in Finland in particular, can be improved by the implementation of greater market discipline and related changes. Although existing EU law, institutions, market structures and practices of corporate governance restrict the scope for change, substantial improvements can be introduced now while there is a window of opportunity for change. The economy is growing H5ly and the consequences of the banking crises of the early 1990s have ...

  2. 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.

  3. 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.

  4. Computer Security: a plea to Santa Claus

    CERN Multimedia

    Stefan Lueders, Computer Security Team

    2015-01-01

    Running pirated software or illegal licences, using cracking tools to bypass software activation measures, sharing music and films – these are problems that academic environments unfortunately have to deal with. All violate the copyright of the software/music/film owners, and copyright owners are not Santa Claus...    CERN, like other research organisations and universities, regularly receives allegations from external companies complaining about laptops or PCs running illegal software or sharing their films, videos or music with peers – and thus violating copyright.  Usually, we then contact the owners of the corresponding devices in order to understand whether these allegations are true. Very often such allegations boil down to a laptop whose owner replies “I confirm that a torrent client was left up and running on my device by mistake” or “This is a file that is stored on my personal hard disk.” As if those allegatio...

  5. NEA data bank

    International Nuclear Information System (INIS)

    1983-01-01

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

  6. 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. �

  7. 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.

  8. The effectiveness of banking supervision

    OpenAIRE

    Davis, EP; Obasi, U

    2009-01-01

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

  9. Early Neogene unroofing of the Sierra Nevada de Santa Marta along the Bucaramanga -Santa Marta Fault

    Science.gov (United States)

    Piraquive Bermúdez, Alejandro; Pinzón, Edna; Bernet, Matthias; Kammer, Andreas; Von Quadt, Albrecht; Sarmiento, Gustavo

    2016-04-01

    Plate interaction between Caribbean and Nazca plates with Southamerica gave rise to an intricate pattern of tectonic blocks in the Northandean realm. Among these microblocks the Sierra Nevada de Santa Marta (SNSM) represents a fault-bounded triangular massif composed of a representative crustal section of the Northandean margin, in which a Precambrian to Late Paleozoic metamorphic belt is overlain by a Triassic to Jurassic magmatic arc and collateral volcanic suites. Its western border fault belongs to the composite Bucaramanga - Santa Marta fault with a combined left lateral-normal displacement. SE of Santa Marta it exposes remnants of an Oligocene marginal basin, which attests to a first Cenoizoic activation of this crustal-scale lineament. The basin fill consists of a sequence of coarse-grained cobble-pebble conglomerates > 1000 m thick that unconformably overlay the Triassic-Jurassic magmatic arc. Its lower sequence is composed of interbedded siltstones; topwards the sequence becomes dominated by coarser fractions. These sedimentary sequences yields valuable information about exhumation and coeval sedimentation processes that affected the massif's western border since the Upper Eocene. In order to analyse uplifting processes associated with tectonics during early Neogene we performed detrital zircon U-Pb geochronology, detrital thermochronology of zircon and apatites coupled with the description of a stratigraphic section and its facies composition. We compared samples from the Aracataca basin with analog sequences found at an equivalent basin at the Oca Fault at the northern margin of the SNSM. Our results show that sediments of both basins were sourced from Precambrian gneisses, along with Mesozoic acid to intermediate plutons; sedimentation started in the Upper Eocene-Oligocene according to palynomorphs, subsequently in the Upper Oligocene a completion of Jurassic to Cretaceous sources was followed by an increase of Precambrian input that became the dominant

  10. CRED Towed-Diver Benthic Characterization Surveys at Santa Rosa Bank, Marianas Archipelago in 2005

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — To support NOAA Coral Reef Conservation Program (CRCP) long-term goals for sustainable management and conservation of coral reef ecosystems, towed-diver surveys...

  11. CRED REA Invertebrate Quantitative Assessments at Santa Rosa Bank, Marianas Archipelago, in 2005

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — To support a long-term NOAA Coral Reef Conservation Program (CRCP) for sustainable management and conservation of coral reef ecosystems, from 3 - 9 October 2005,...

  12. CRED Towed-Diver Benthic Characterization Surveys at Santa Rosa Bank, Marianas Archipelago in 2003

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — To support NOAA Coral Reef Conservation Program (CRCP) long-term goals for sustainable management and conservation of coral reef ecosystems, towed-diver surveys...

  13. CRED REA Invertebrate Quantitative Assessments at Santa Rosa Bank, Marianas Archipelago, in 2003

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — To support a long-term NOAA Coral Reef Conservation Program (CRCP) for sustainable management and conservation of coral reef ecosystems, from 19 August - 30...

  14. 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.

  15. 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.

  16. 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.

  17. 12 CFR 583.3 - Bank.

    Science.gov (United States)

    2010-01-01

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

  18. 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.

  19. Considerations about Santa Catalina Formation northeast of Uruguay

    International Nuclear Information System (INIS)

    Keidel, J.

    1984-01-01

    A serial of land deposits placed in Santa Catharina south Brazil, and northeast of Uruguay. Most of them have been composed with a number of marine sediments, marshy region and swamp from upper paleozoic and low mesozoic.

  20. Santa Barbara, California Tsunami Forecast Grids for MOST Model

    Data.gov (United States)

    National Oceanic and Atmospheric Administration, Department of Commerce — The Santa Barbara, California Forecast Model Grids provides bathymetric data strictly for tsunami inundation modeling with the Method of Splitting Tsunami (MOST)...

  1. Robust photosystem I activity by Cyanothece sp. (Cyanobacteria) and its role in prolonged bloom persistence in lake St Lucia, South Africa.

    Science.gov (United States)

    du Plooy, Schalk J; Anandraj, Akash; White, Sarah; Perissinotto, Renzo; du Preez, Derek R

    2018-04-12

    Worldwide, cyanobacterial blooms are becoming more frequent, exacerbated by eutrophication, anthropogenic effects, and global climate change. Environmental factors play a direct role in photosynthesis of cyanobacteria and subsequent cellular changes, growth, and bloom dynamics. This study investigated the photosynthetic functioning of a persistent bloom-forming (18 months) cyanobacterium, Cyanothece sp., isolated from Lake St Lucia, South Africa. DUAL-PAM fluorometric methods were used to observe physiological responses in Cyanothece sp. photosystems I and II. Results show that photosystem I activity was maintained under all environmental conditions tested, while photosystem II activity was not observed at all. Out of the environmental factors tested (temperature, salinity, and nitrogen presence), only temperature significantly influenced photosystem I activity. In particular, high temperature (40 °C) facilitated faster electron transport rates, while effects of salinity and nitrogen were variable. Cyanothece sp. has shown to sustain bloom status for long periods largely because of the essential role of photosystem I activity during highly dynamic and even extreme (e.g., salinities higher than 200) environmental conditions. This ensures the continual supply of cellular energy (e.g. ATP) to important processes such as nitrogen assimilation, which is essential for protein synthesis, cell growth and, therefore, bloom maintenance.

  2. Schistosoma mansoni control in Cul de Sac Valley, Saint Lucia. I. A two-year focal surveillance-mollusciciding programme for the control of Biomphalaria glabrata.

    Science.gov (United States)

    Barnish, G; Christie, J D; Prentice, M A

    1980-01-01

    An area-wide mollusciciding campaign in Cul de Sac valley, St. Lucia reduced incidence of Schistosoma mansoni from 22% to 4.3% between 1970 and 1975. Following this, a two-year focal surveillance-mollusciciding programme was introduced. Sites of potential transmission of S. mansoni were identified and routinely searched for Biomphalaria glabrata. If found, the site was treated with clonitralide 25% emulsifiable concentrate. Two chemotherapy campaigns supplemented the snail control programme. As a result of the combined measures, incidence of the infection dropped from 4.3% to 1.0% and from 2.2% to 0.6% in areas originally of high and low transmission respectively. The cost of protecting the 7,000 population was US $20,362: of these costs, labour absorbed 68%, transport 24%, equipment 4% and molluscicide 4%. The cost per person per year protected was US $1.45 which compares favourably with the $3.24 of the previous scheme. Although effective and relatively cheap, this programme was still dependent on a high standard of supervision for maximum benefit.

  3. Epidemiology and control of Schistosomiasis and other intestinal parasitic infections among school children in three rural villages of south Saint Lucia.

    Science.gov (United States)

    Kurup, Rajini; Hunjan, Gurdip S

    2010-12-01

    The purpose of this study was to determine the epidemiology of parasitic infections and the efficacy of treatment among school children in rural villages of south Saint Lucia. A total of 554 school children participated in this study. Parasitic infections were confirmed by using Kato- Katz method. Overall, 61.6% of the school children were infected by any parasitic infection. The helminths identified were Ascaris lumbricoides (15.7%), Hookworm (11.9%), Strongyloides (9.7%), Trichuris trichiura (4.7%), Schistosoma mansoni (0.6%), Taenia solium (0.8%) and Enterobius vermicularis (2.1%), Entamoeba coli (9.7%), Iodameba butschlii (5%), Entamoeba histolytica (1.1%), Giardia lamblia (1.8%) and Endolimax nana (2.1%). The control intervention included treatment with albendazole 400 mg and praziquantel 40 mg/kg as well as awareness campaigns. Post-interventional assessment showed the total prevalence of intestinal parasitic infection reduced from 61.6 to 3.6% with a cure rate of 94.2%, following the control methods.

  4. THE RISE OF MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    IMOLA DRIGĂ

    2015-12-01

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

  5. Development of tissue bank

    Directory of Open Access Journals (Sweden)

    R P Narayan

    2012-01-01

    Full Text Available The history of tissue banking is as old as the use of skin grafting for resurfacing of burn wounds. Beneficial effects of tissue grafts led to wide spread use of auto and allograft for management of varied clinical conditions like skin wounds, bone defects following trauma or tumor ablation. Availability of adequate amount of tissues at the time of requirement was the biggest challenge that forced clinicians to find out techniques to preserve the living tissue for prolonged period of time for later use and thus the foundation of tissue banking was started in early twentieth century. Harvesting, processing, storage and transportation of human tissues for clinical use is the major activity of tissue banks. Low temperature storage of processed tissue is the best preservation technique at present. Tissue banking organization is a very complex system and needs high technical expertise and skilled personnel for proper functioning in a dedicated facility. A small lapse/deviation from the established protocol leads to loss of precious tissues and or harm to recipients as well as the risk of transmission of deadly diseases and tumors. Strict tissue transplant acts and stringent regulations help to streamline the whole process of tissue banking safe for recipients and to community as whole.

  6. Materials information data bank

    International Nuclear Information System (INIS)

    Mead, K.E.

    1978-03-01

    A major concern in the design of weapons systems is compatibility of materials with each other and with the enclosed environment. Usually these systems require long-term storage and must have high reliability at the end of this storage period. Materials selection is thus based on past experience and on laboratory-accelerated testing to assure this long-term reliability. To assist in materials selection, a computerized materials data bank has been established. In addition to references on personnel and documents, this data bank provides annotated information on materials so that the designer and materials engineer can draw on it for guidance in selecting materials. The primary purpose of the data bank is to provide materials compatibility data. However, the structure of the system permits the data bank to be used for storage and retrieval of general materials information. The data bank storage and information retrieval philosophy is discussed and procedures for information gathering are outlined. Examples of data entries and a list of search routines are presented to demonstrate the usefulness and versatility of the system

  7. 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.

  8. 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...

  9. Bank Customers Management System

    Directory of Open Access Journals (Sweden)

    Ebubeogu Amarachukwu Felix

    2015-08-01

    Full Text Available ABSTRACT The purpose of this project is in partial fulfilment of the requirements of Bachelor of Science Hon in Information Technology. The Design and development of this Bank customers Management system provides a more secured approach in managing bank customers information which strengthens the relationships between banks and their customers by providing the right solutions that uses a multi-level security to improve customer satisfaction. The technology used in developing this project is ASP.NET and the programming language used to develop this project is C and the IDE used is Microsoft Visual Studio 2013 professional in designing the front end while the back end uses Microsoft SQL Server 2012.

  10. Streamflow in the upper Santa Cruz River basin, Santa Cruz and Pima Counties, Arizona

    Science.gov (United States)

    Condes de la Torre, Alberto

    1970-01-01

    Streamflow records obtained in the upper Santa Cruz River basin of southern Arizona, United States, and northern Sonora, Mexico, have been analyzed to aid in the appraisal of the surface-water resources of the area. Records are available for 15 sites, and the length of record ranges from 60 years for the gaging station on the Santa .Cruz River at Tucson to 6 years for Pantano Wash near Vail. The analysis provides information on flow duration, low-flow frequency magnitude, flood-volume frequency and magnitude, and storage requirements to maintain selected draft rates. Flood-peak information collected from the gaging stations has been projected on a regional basis from which estimates of flood magnitude and frequency may be made for any site in the basin. Most streams in the 3,503-square-mile basin are ephemeral. Ground water sustains low flows only at Santa Cruz River near Nogales, Sonoita Creek near Patagonia, and Pantano Wash near Vail. Elsewhere, flow occurs only in direct response to precipitation. The median number of days per year in which there is no flow ranges from 4 at Sonoita Creek near Patagonia to 335 at Rillito Creek near Tomson. The streamflow is extremely variable from year to year, and annual flows have a coefficient of variation close to or exceeding unity at most stations. Although the amount of flow in the basin is small most of the time, the area is subject to floods. Most floods result from high-intensity precipitation caused by thunderstorms during the period ,July to September. Occasionally, when snowfall at the lower altitudes is followed by rain, winter floods produce large volumes of flow.

  11. South Fork of the Santa Clara River, Santa Clarita Valley, California. Supplement.

    Science.gov (United States)

    1985-01-01

    designed as a broad - crested weir to pass the maximum probable flood (PF) with a peak of 24,500 ofs. The spillway crest length of 100 feet and the...well as from the Miocene Topanga sandstone and the Modelo shale found near the crest of the Santa Susana Mountains in Aliso and Rice Canyons. Fossil...440 1.5 .IN THE AREA. 1I0.050: DRAINAGE AREA IS QUITE RUGGED, WITH SHARP RIDGES 4.4 600 1.3 .050 AND NARROW, STEEP CANYONS THROUGH WHICH WATERCOURSES

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

    Science.gov (United States)

    2010-01-01

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

  13. Nuclear Plant Data Bank

    International Nuclear Information System (INIS)

    Booker, C.P.; Turner, M.R.; Spore, J.W.

    1986-01-01

    The Nuclear Plant Data Bank (NPDB) is being developed at the Los Alamos National Laboratory to assist analysts in the rapid and accurate creation of input decks for reactor transient analysis. The NPDB will reduce the time and cost of the creation or modification of a typical input deck. This data bank will be an invaluable tool in the timely investigation of recent and ongoing nuclear reactor safety analysis. This paper discusses the status and plans for the NPDB development and describes its anticipated structure and capabilities

  14. Central Bank independence

    Directory of Open Access Journals (Sweden)

    Vasile DEDU

    2012-08-01

    Full Text Available In this paper we present the key aspects regarding central bank’s independence. Most economists consider that the factor which positively influences the efficiency of monetary policy measures is the high independence of the central bank. We determined that the National Bank of Romania (NBR has a high degree of independence. NBR has both goal and instrument independence. We also consider that the hike of NBR’s independence played an important role in the significant disinflation process, as headline inflation dropped inside the targeted band of 3% ± 1 percentage point recently.

  15. Islamic Development Bank

    Energy Technology Data Exchange (ETDEWEB)

    1978-06-01

    The Islamic Development Bank (IDB) was opened formally in October 1975 to foster the economic development and social progress of its member countries and Moslem communities individually as well as jointly in accordance with the priniciples of Islamic law. Its functions include participation in equity capital, granting loans for projects and enterprises, extending training facilities, and promoting foreign trade, especially in capital goods, among the member countries. The 34-member Bank is capitalized at 2 billion Islamic Dinars and located in Jeddah, Saudi Arabia.

  16. Cyber risk in banking

    OpenAIRE

    Linert, Jan

    2015-01-01

    The bachelor thesis deals with the cyber risk in banking industry. Its main goal is to stress the imporatance of cyber risk both verbally and numericaly and review the approach of banks to this risk. The first part of this thesis specifies what cyber risk is and how it fits among other operational risks, presents the common cyber-attacks and archetypes of cyber criminals, later it delves into the cyber risk in Czech Republic and at the end of this part it mentions the legislation that covers ...

  17. Bank Insolvency Procedures and Market Discipline in European Banking

    OpenAIRE

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

  18. 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.

  19. PATHWAYS TO SUSTAINABLE BANKING MANAGEMENT

    Directory of Open Access Journals (Sweden)

    Dragan (Santamarian Oana Raluca

    2012-12-01

    Full Text Available This paper describes one of the major challenges of the future: the sustainable development of the society. Sustainability is now increasingly recognized as central to the growth of emerging market economies. For the banking sector, this represents both a demand for greater social and environmental responsibility as well as a new landscape of business opportunity. Several years ago, the main part of the banks did not consider the social and environmental problems relevant for their operations. Recently, the banks began to realize the major impact of the sustainable development over the way of ulterior development of the society and, implicitly over the way of creating of the banking value in the future. In this context, the development of a banking management system, based on sustainable principles represents one of the provocations of these days.Starting from literature in the sustainable banking management field in this paper are presented several relevant issues related to risk management in the context of sustainable banking financing: the need to implement the sustainable management principles in financial and banking industry; the role of banks in sustainable development of society; social and environmental risk management policies, events that have shaped the role of the banking sector in sustainable development; international standards regarding sustainable banking management such us: Equator Principles for sustainable investment projects’ financing or GRI principles for sustainable reporting. Furthermore, we developed a practical case study related to the implementation of sustainable banking management at Bank of America.

  20. Commercial Activity or Banking Competition?

    Directory of Open Access Journals (Sweden)

    Rose-Marie Pușcaciu

    2015-12-01

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

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

    African Journals Online (AJOL)

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

  2. Evolution of central banking? De Nederlandsche Bank 1814-1852

    NARCIS (Netherlands)

    Uittenbogaard, R.A.

    2014-01-01

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

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

    African Journals Online (AJOL)

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

  4. Bank service management in Ghana

    DEFF Research Database (Denmark)

    Kuada, John; Narteh, Bedman

    2011-01-01

    This article reports a study of the determinants of effective management of of retail banking services in Ghana......This article reports a study of the determinants of effective management of of retail banking services in Ghana...

  5. BANKING SUPERVISION IN EUROPEAN UNION

    Directory of Open Access Journals (Sweden)

    Lavinia Mihaela GUȚU

    2013-10-01

    Full Text Available The need for prudential supervision imposed to banks by law arises from the action that banking market’s basic factors have. Therefore, it is about banks’ role in economy. The normal functioning of banks in all their important duties maintains the stability of banking system. Further, the stability of the entire economy depends on the stability of the banking system. Under conditions of imbalance regarding treasury or liquidity, banks are faced with unmanageable crisis and the consequences can be fatal. To ensure long-term stability of the banking system, supervisory regulations were constituted in order to prevent banks focusing on achieving rapidly high profits and protect the interests of depositors. Starting from this point, this paper will carry out a study on existing models of supervision in the European Union’s Member States. A comparison between them will support identifying the advantages and disadvantages of each of them.

  6. 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 ...

  7. 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...

  8. Human milk banking.

    Science.gov (United States)

    O'Hare, Esther Marie; Wood, Angela; Fiske, Elizabeth

    2013-01-01

    Forms of human milk banking and donation have been present for more than a century worldwide, but, since 1985, the Human Milk Banking Association of North America (HM BANA) has established guidelines to make the use of donor's breast milk safe and the second best form of feeding to maternal breast milk for a neonatal intensive care unit (NICU) infant. The Indiana Mother's Human Milk Bank provides an extensive and meticulous process of selecting breast milk donors. The process begins with a phone interview with a potential donor and includes the review of the donor's medical records, blood laboratory screening, medication and dietary intake, as well as consent from the donor's pediatrician. The milk bank follows steps of collecting, storing, and receiving the breast milk in accordance with the guidelines of the HM BANA. Pasteurization is the method used to ensure the proper heating and cooling of breast milk. Despite the rigorous pasteurization method, the donor's breast milk will not lose most of the important beneficial components needed for sick or ill NICU infants. Every batch of pasteurized breast milk will be cultured for any possible contamination and shipped to NICUs after it has been cleared by laboratory testing.

  9. Trilogy of China's Banking

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    @@ Banks of China will face declining profit rate and slightly increasing non-performing loans ratio in a short term during 2009, but government policies will reduce the negative impact of financial crisis, and China's financial environment is still relatively safe in a global comparison.

  10. UBS BANK INFORMATION

    CERN Document Server

    UBS, CERN branch

    2002-01-01

    UBS SA, formerly Société de Banque Suisse (Swiss Bank Corporation), which has been providing banking services on the CERN site since 1954, is delighted to continue its financial partnership with the CERN personnel. Recent trends in payment methods - a decline in the use of cash combined with an increase in the use of 'virtual money', credit or payment cards and e-banking - have led UBS SA to place greater emphasis on customer services compared with conventional, over-the-counter transactions. Since our customers' banking habits have also changed, we will be implementing the following changes at our CERN offices: Building 500: conversion work will shortly be commencing to provide a comfortable and well-appointed customer services area offering, in particular, greater privacy, as well as two counters. Throughout the work, every measure will be taken to minimise inconvenience to our customers. Building 504: owing to the improvements to be made to our Building 500 premises, we will hencef...

  11. Central Banking after the Crisis

    OpenAIRE

    Frederick S. Mishkin

    2013-01-01

    This paper explores where central banking is heading after the recent financial crisis. First it discusses the central bank consensus before the crisis and then outlines the key facts learned from the crisis that require changes in the way central banks conduct their business. Finally, it discusses four main areas in which central banks are altering their policy frameworks: 1) the interaction between monetary and financial stability policies, 2) nonconventional monetary policy, 3) risk manage...

  12. Aggregate Uncertainty, Money and Banking

    OpenAIRE

    Hongfei Sun

    2006-01-01

    This paper studies the problem of monitoring the monitor in a model of money and banking with aggregate uncertainty. It shows that when inside money is required as a means of bank loan repayment, a market of inside money is entailed at the repayment stage and generates information-revealing prices that perfectly discipline the bank. The incentive problem of a bank is costlessly overcome simply by involving inside money in repayment. Inside money distinguishes itself from outside money by its ...

  13. Scrum methodology in banking environment

    OpenAIRE

    Strihová, Barbora

    2015-01-01

    Bachelor thesis "Scrum methodology in banking environment" is focused on one of agile methodologies called Scrum and description of the methodology used in banking environment. Its main goal is to introduce the Scrum methodology and outline a real project placed in a bank focused on software development through a case study, address problems of the project, propose solutions of the addressed problems and identify anomalies of Scrum in software development constrained by the banking environmen...

  14. Efficiency model of Russian banks

    OpenAIRE

    Pavlyuk, Dmitry

    2006-01-01

    The article deals with problems related to the stochastic frontier model of bank efficiency measurement. The model is used to study the efficiency of the banking sector of The Russian Federation. It is based on the stochastic approach both to the efficiency frontier location and to individual bank efficiency values. The model allows estimating bank efficiency values, finding relations with different macro- and microeconomic factors and testing some economic hypotheses.

  15. 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...

  16. Cash efficiency for bank branches

    OpenAIRE

    Cabello, Julia Garc?a

    2013-01-01

    Bank liquidity management has become a major issue during the financial crisis as liquidity shortages have intensified and have put pressure on banks to diversity and improve their liquidity sources. While a significant strand of the literature concentrates on wholesale liquidity generation and on the alternative to deposit funding, the management of an inventory of cash holdings within the banks? branches is also a relevant issue as any significant improvement in cash management at the bank ...

  17. The pricing of bank debt guarantees

    NARCIS (Netherlands)

    Arping, S.

    2010-01-01

    We analyze the desirability of fair pricing of government guarantees for bank liabilities. Fair pricing is desirable only if the banking sector is sufficiently transparent. In opaque banking systems, fair pricing may exacerbate banks' incentive to take excessive risks.

  18. 75 FR 49493 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-08-13

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

  19. 75 FR 20848 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-04-21

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

  20. 76 FR 59396 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2011-09-26

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

  1. 75 FR 5322 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-02-02

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

  2. 75 FR 3904 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-01-25

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

  3. 75 FR 9414 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-03-02

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

  4. 77 FR 3475 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-24

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

  5. Anofelinos de Santa Catarina (Diptera: Culicidae, Brasil Anophelines of Santa Catarina (Diptera: Culicidae, Brazil

    Directory of Open Access Journals (Sweden)

    Maria da Graça Teixeira Portes

    2010-04-01

    Full Text Available INTRODUÇÃO: No Brasil, a Região Amazônica é endêmica em malária. Em Santa Catarina, a malária foi eliminada na década de 80. A partir daí, ocorreram poucos casos autóctones isolados, e esporádicos. No entanto, em função da existência do vetor em seu território, da existência de extensa área endêmica no Brasil e da grande mobilidade de pessoas em áreas turísticas no estado, existe a probabilidade de reintrodução da doença. MÉTODOS: Utilizou-se os seguintes dados: Banco de Dados do Núcleo de Entomologia da Fundação Nacional de Saúde, Santa Catarina (ACCES,1997-2000; Sistema de Informação de Vigilância Epidemiológica, Secretaria de Vigilância em Saúde (Malária/SC e Sistema de Informação de Notificação e Agravo(SINAN/SC. Os mesmos foram transportados e analisados, no programa Microsoft Office Excel 2007. RESULTADOS: As coletas foram realizadas em 48 municípios, 159 localidades, sendo identificados 12.310 Culicídeos, 11.546 (93,7% Anopheles e 764 (6,2% como outros. Foram identificados três subgêneros e 13 espécies de anofelinos. CONCLUSÕES: Considerando que nos municípios pesquisados, foi identificada a presença de importantes vetores como Anopheles cruzii e Anopheles albitasis e há circulação de pessoas infectadas provenientes de áreas endêmicas, pode-se considerar que os mesmos são áreas receptivas e vulneráveis à malária. Essas espécies são suspeitas de serem responsáveis pela transmissão de malária na região, principalmente nos municípios de Gaspar, Indaial e Rodeio.INTRODUCTION: The Amazon region of Brazil is endemic for malaria. In the State of Santa Catarina, malaria was eliminated in the 1980s. Since then, a few sporadic isolated autochthonous cases have occurred. However, because malaria vectors are present within Brazilian territory and extensive endemic areas exist in this country, along with the great mobility of people in tourist areas of Santa Catarina, there is the

  6. Banking on women's spirit.

    Science.gov (United States)

    Yunus, M

    1993-11-01

    An interview with Professor Mummadad Yunus, Managing Director of the Grameen Bank, revealed that he has provided loans to poor women in Bangladesh since 1976 and that the Grameen Bank has continued his work since 1983. The idea behind the banking system is that poor people without traditionally accepted collateral are good credit risks. In 1993, the Grameen Bank had operations in 33,000 out of a possible 68,000 villages in Bangladesh. The operations include 1030 branches and a staff of 12,000 people. 1.6 million people are recipients of loans, of whom 94% are women. The population served is the poorest and has no experience in income generation. Conclusions drawn from this experience are that women are better managers of resources and are more serious entrepreneurs than men and that the benefits of loan programs for the poor go directly to children and households. Women's self-image suffers from negative social conceptions, and one task is to convince women of their value, skills, and possibility of advancement. The bank philosophy rests with the belief that all human beings are a "treasure of potential possibilities." Women are advised to protect their money and marriage and not to sacrifice one for the other. Husbands initially are against money going to wives, but eventually they understand that the family benefits. Over 200,000 loans have been made for the provision of housing. The loan requirement is that the woman must own the land on which the house is built. Husband's have the opportunity to transfer title of the land to the wife. Ownership of land provides security for the wife.

  7. Bank risk, bailouts and ambiguity

    NARCIS (Netherlands)

    Nijskens, R.G.M.

    2012-01-01

    The theoretical analysis in the second part investigates the effect of liquidity assistance and bailouts on bank risk taking and liquidity choice. Furthermore, it explores the possibilities for central banks to create ambiguity about liquidity assistance, thereby influencing bank choices. The

  8. Teaching Bank Runs through Films

    Science.gov (United States)

    Flynn, David T.

    2009-01-01

    The author advocates the use of films to supplement textbook treatments of bank runs and panics in money and banking or general banking classes. Modern students, particularly those in developed countries, tend to be unfamiliar with potential fragilities of financial systems such as a lack of deposit insurance or other safety net mechanisms. Films…

  9. Bank Relationship and Firm Profitability

    NARCIS (Netherlands)

    Degryse, H.A.; Ongena, S.

    2000-01-01

    This paper examines how bank relationships affect firm performance. An empirical implication of recent theoretical models is that firms maintaining multiple bank relationships are less profitable than their single-bank peers. We investigate this empirical implication using a data set containing

  10. La granitula de la Santa du Niolu

    Directory of Open Access Journals (Sweden)

    Davia Benedetti

    2012-01-01

    Full Text Available Abstract – IT   Quale modalità sociale fonda la pratica di una danza rituale pre-cristiana, la granitula, in occasione della festa annuale della Santa nel Niolo, in Corsica? Questa danza vi perdura nel quadro di un pellegrinaggio istituito sulla base di un racconto leggendario, in commemorazione della natività della Vergine. Essa è associata a una cerimonia religiosa e a una fiera. Consiste in una marcia a spirale a doppio senso, scandita da canti e condotta dai membri delle confraternite. La granitula ha rilievo nel campo etno-scenologico con la trasposizione corporea di immagini del labirinto, dell'origine e del sé. Simboleggia il corpo sociale corso e il suo senso d'appartenenza regionale e paesana. Coloro che la eseguono entrano in coesione con la comunità corsa. Fanno corpo con essa per proiettare nel vivere comune della società la loro assicurazione di uscita da ogni labirinto grazie a una prassi solidare, al rinserrare dei legami comunitari e a un adattamento identitario ai cambiamenti. Abstract – FR Quelle sociabilité fonde la pratique d’une danse rituelle antechrétienne, la granitula, lors de la fête annuelle de la Santa dans le Niolu, en Corse? Cette danse y perdure dans le cadre d’un pèlerinage établi sur un récit légendaire, en commémoration de la nativité de la Vierge. Elle est associée à une cérémonie religieuse catholique et à une foire. Elle consiste en une marche spiralée à double sens, scandée par des chants et exécutée par les membres des confréries. La granitula relève du champ de l’ethnoscénologie avec une mise en corps des figures du labyrinthe, de l’origine et du même. Elle symbolise le corps social corse et ses sentiments d’appartenance régionale et villageoise. Ses exécutants entrent en cohésion avec la communauté corse. Ils font corps avec elle pour projeter dans le vivre ensemble sociétal leur assurance de la sortie de tout labyrinthe par une pratique des solidarit

  11. Bank Insolvency Procedures and Market Discipline in European Banking

    DEFF Research Database (Denmark)

    Angkinand, Apanard; Wihlborg, Clas

    2005-01-01

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

  12. Contribution of Internet Banking toward Profitability of Banking in India

    Directory of Open Access Journals (Sweden)

    Majid Karimzadeh

    2015-12-01

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

  13. 12 CFR 996.2 - Bank employees.

    Science.gov (United States)

    2010-01-01

    ... RESOLUTION FUNDING CORPORATION § 996.2 Bank employees. Upon the request of the Directorate of the Resolution..., employees, or agents of the Banks are authorized to act for and on behalf of the Resolution Funding... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Bank employees. 996.2 Section 996.2 Banks and...

  14. Santa Elena. Ready to reshape its transport energy matrix

    Energy Technology Data Exchange (ETDEWEB)

    Moreano, Hernan [Universidad Estatal Peninsula de Santa Elena (Ecuador). Inst. de Investigacion Cientifica y Desarrollo Tecnologico (INCYT)

    2012-07-01

    The renewable energy issue opens the door to an ambient of opportunities. Santa Elena, one of the coastal provinces of Ecuador has the chance to go from a fossil fuel energy culture to a new energy scheme based on the use of environmental friendly fuels like natural gas and other renewable energy carriers like hydrogen. The marginal production of oil and natural gas from the Gustavo Galindo Velasco field and the updated gas reserves from the Gulf of Guayaquil make it possible. Infrastructure for natural gas production and distribution for vehicles is almost ready and any of the three refineries can generate hydrogen from natural gas. This provides the opportunity to reshape the Santa Elena transport energy matrix, where vehicles can burn natural gas and inter country buses can work with hydrogen. Traditional Fishing boats can be fitted with hydrogen storage and fuel systems later on. Santa Elena should face this challenge through a joint effort of public and private parties. Santa Elena State University and its partners as a focus point to create: The Campus of Energy Knowledge, where research, science and technology will serve companies that work in the energy business with a strong synergy, which will create jobs for the Santa Elena people. (orig.)

  15. Santa Fe Alliance for Science: The First Eight Years

    Science.gov (United States)

    Eisenstein, Robert A.

    2013-04-01

    The Santa Fe Alliance for Science (SFAFS) was founded in May, 2005. SFAFS exists to provide assistance in K-14 math and science education in the greater Santa Fe area. It does this via extensive programs (1) in math and science tutoring at Santa Fe High School, Santa Fe Community College and to a lesser degree at other schools, (2) science fair advising and judging, (3) its ``Santa Fe Science Cafe for Young Thinkers'' series, (4) a program of professional enrichment for K-12 math and science teachers, and (5) a fledging math intervention program in middle school math. Well over 150 STEM professionals, working mostly as volunteers, have contributed since our beginning. Participation by students, parents and teachers has increased dramatically over the years, leading to much more positive views of math and science, especially among elementary school students and teachers. Support from the community and from local school districts has been very strong. I will present a brief status report on SFAFS activities, discuss some of the lessons learned along the way and describe briefly some ideas for the future. More information can be found at the SFAFS website, www.sfafs.org.

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

    Directory of Open Access Journals (Sweden)

    Buddi Wibowo

    2016-08-01

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

  17. Sharing China's Bank Restructuring Bill

    Institute of Scientific and Technical Information of China (English)

    Guonan Ma

    2006-01-01

    This paper addresses the questions related to the cost of China's bank restructuring and how it has been financed. We first propose a framework for recognizing losses. Then, we examine the recent major moves by the Chinese Government to repair the country's bank balance sheets. Finally, we explore the implications of the Chinese Government's methods of funding bank restructuring. We find that the Chinese Government has been decisive in confronting the costly task of bank restructuring. So far, Chinese taxpayers have paid most of the bill for bank restructuring.

  18. Banks, markets, and financial stability

    OpenAIRE

    Eder, Armin; Fecht, Falko; Pausch, Thilo

    2014-01-01

    In a theoretical model of the Diamond-Dybvig style, in which deposit-taking banks and financial markets coexist, bank behavior is analyzed taking into account a positive ex-ante probability of a future financial crisis. We focus on the role of the interaction of market liquidity and banks' funding liquidity in the propagation of shocks in the financial system. Our findings suggest that in particular bank-dominated financial systems are prone to contagious bank runs due to asset price deterior...

  19. Can taxes tame the banks?

    DEFF Research Database (Denmark)

    Devereux, Michael P.; Johannesen, Niels; Vella, John

    In the wake of the financial crisis, a number of countries have introduced levies on bank borrowing with the aim of reducing risk in the financial sector. This paper studies the behavioral responses to the bank levies and evaluates the policy. We find that the levies induced banks to borrow less...... but also to hold more risky assets. The reduction in funding risk clearly dominates for banks with high capital ratios but is exactly offset by the increase in portfolio risk for banks with low capital ratios. This suggests that while the levies have reduced the total risk of relatively safe banks......, they have done nothing to curb the risk of relatively risky banks, which presumably pose the greatest threat to financial stability...

  20. Ownership concentration and bank profitability

    Directory of Open Access Journals (Sweden)

    Peterson Kitakogelu Ozili

    2017-12-01

    Full Text Available We investigate whether ownership concentration influences bank profitability in a developing country context. We focus on bank ownership concentration measured as the amount of direct equity held by a majority shareholder categorised into: high ownership concentration, moderate ownership concentration and disperse ownership. We find that banks with high ownership concentration have higher return on assets, higher net interest margin and higher recurring earning power while banks with dispersed ownership have lower return on assets but have higher return on equity. Also, higher cost efficiency improves the return on assets of widely-held banks and the return on equity of banks with moderate ownership. The findings have implications. JEL: Code: G3, G34, G31, Keywords: Corporate governance, Ownership structure, Agency theory, Profitability, Firm performance, Banks, Return on asset, Return on equity

  1. Danske Bank vildleder

    DEFF Research Database (Denmark)

    Ravn, Ib

    2014-01-01

    EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og stærktmed......EN VIDEO på Danske Banks hjemmeside fremstiller banker som neutrale formidlere af penge. Den giver et misvisende indtryk af passivitet og harmløshed og strider stærkt mod de fleste menneskers oplevelse af banker som særdeles aktive, næsten aggressive I årene op til finanskrisen 2008, og...

  2. INFORMATION FROM THE BANK

    CERN Multimedia

    1999-01-01

    The UBS will be integrating its two computer platforms during the weekend of 24 April.This operation involves changing your account card and Eurocheque card, which will be sent to you by post.Those who receive their bank correspondence at CERN may obtain their codes from the branch there.The security and rapidity of this procedure will be helped by the presentation of an identity document.Despite the precautions taken, problems may be experienced with the operation of the cash-points during that weekend.The bank's staff would like to offer apologies in advance for any difficulties and are at your disposal for any information you may need.UBS

  3. Santa Cruz thermic plant islanding with local loads

    Energy Technology Data Exchange (ETDEWEB)

    Nascimento, A R [Light Servicos de Eletricidade SA, Rio de Janeiro, RJ (Brazil); Gomes, Paulo; Almeida, Paulo C. de [ELETROBRAS, Rio de Janeiro, RJ (Brazil); Sereno, Marcos G [FURNAS, Rio de Janeiro, RJ (Brazil)

    1988-12-31

    This work looks into the feasibility of implementing a scheme for the islanding of the Santa Cruz Thermic Plant ( Rio de janeiro State) with LIGHT`s (Electric power public utility) loads fed by the Santa Cruz-Jacarepagua trunk connection, considering presently-existing system problems relative to a significant frequency drop when a loss occurs of a large generation block and which causes the blockade scheme of the mentioned Plant to work, thus aggravating the frequency control still further. An analysis is made of such scheme implementation implications on the scheme for islanding a Santa Cruz 84 MW machine to provide supply to the auxiliary services of The Angra dos Reis nuclear plant presently existing in the system. 2 refs., 9 figs.

  4. The European Central Bank

    OpenAIRE

    Binder, Michael; Wieland, Volker

    2006-01-01

    The establishment of the ECB and with it the launch of the euro has arguably been a unique endeavor in economic history, representing an important experiment in central banking. This note aims to summarize some of the main lessons learned from this experiment and sketch some of the prospects for the ECB. It is written for "The New Palgrave Dictionary of Economics", 2nd edition. JEL Classification: E52, E58

  5. En Ung bank

    OpenAIRE

    Lind, Maria Benedicte; Rice, Harrie Emily; Andersen, Lærke Maria; Elfort, Amanda Josefine; Pedersen, Sophie Espe; Sahibzada, Qamar Un Nisa

    2016-01-01

    The purpose of this project is to examine the campaign Øhhkonomi from Danske Bank. The project is based on examining which assumptions the campaign, and further actions surrounding the campaign, expresses about the audience. The campaign audience is specifically 18-27 years old and addresses problems regarding their personal finance skills and understanding thereof. Starting from a communication point of view, the project examines the campaign and the sender in itself. The purpose hereof is t...

  6. GenBank.

    OpenAIRE

    Benson, D; Lipman, D J; Ostell, J

    1993-01-01

    The GenBank sequence database has undergone an expansion in data coverage, annotation content and the development of new services for the scientific community. In addition to nucleotide sequences, data from the major protein sequence and structural databases, and from U.S. and European patents is now included in an integrated system. MEDLINE abstracts from published articles describing the sequences provide an important new source of biological annotation for sequence entries. In addition to ...

  7. MULTIPERIOD BANKING SUPERVISION

    OpenAIRE

    KARL-THEODOR EISELE; PHILIPPE ARTZNER

    2013-01-01

    This paper is based on a general method for multiperiod prudential supervision of companies submitted to hedgeable and non-hedgeable risks. Having treated the case of insurance in an earlier paper, we now consider a quantitative approach to supervision of commercial banks. The various elements under supervision are the bank’s current amount of tradeable assets, the deposit amount, and four flow processes: future trading risk exposures, deposit flows, flows of loan repayments and of deposit re...

  8. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, George; Meiklejohn, Sarah

    2015-01-01

    Current cryptocurrencies, starting with Bitcoin, build a decentralized blockchain-based transaction ledger, maintained through proofs-of-work that also generate a monetary supply. Such decentralization has benefits, such as independence from national political control, but also significant limitations in terms of scalability and computational cost. We introduce RSCoin, a cryptocurrency framework in which central banks maintain complete control over the monetary supply, but rely on a distribut...

  9. Centrally Banked Cryptocurrencies

    OpenAIRE

    Danezis, G.; Meiklejohn, S.

    2016-01-01

    Current cryptocurrencies, starting with Bitcoin, build a decentralized blockchain-based transaction ledger, maintained through proofs-of-work that also serve to generate a monetary supply. Such decentralization has benefits, such as independence from national political control, but also significant limitations in terms of computational costs and scalability. We introduce RSCoin, a cryptocurrency framework in which central banks maintain complete control over the monetary supply, but rely on...

  10. Human Milk Banking.

    Science.gov (United States)

    Haiden, Nadja; Ziegler, Ekhard E

    2016-01-01

    Human milk banks play an essential role by providing human milk to infants who would otherwise not be able to receive human milk. The largest group of recipients are premature infants who derive very substantial benefits from it. Human milk protects premature infants from necrotizing enterocolitis and from sepsis, two devastating medical conditions. Milk banks collect, screen, store, process, and distribute human milk. Donating women usually nurse their own infants and have a milk supply that exceeds their own infants' needs. Donor women are carefully selected and are screened for HIV-1, HIV-2, human T-cell leukemia virus 1 and 2, hepatitis B, hepatitis C, and syphilis. In the milk bank, handling, storing, processing, pooling, and bacterial screening follow standardized algorithms. Heat treatment of human milk diminishes anti-infective properties, cellular components, growth factors, and nutrients. However, the beneficial effects of donor milk remain significant and donor milk is still highly preferable in comparison to formula. © 2017 S. Karger AG, Basel.

  11. Virtual blood bank

    Directory of Open Access Journals (Sweden)

    Kit Fai Wong

    2011-01-01

    Full Text Available Virtual blood bank is the computer-controlled, electronically linked information management system that allows online ordering and real-time, remote delivery of blood for transfusion. It connects the site of testing to the point of care at a remote site in a real-time fashion with networked computers thus maintaining the integrity of immunohematology test results. It has taken the advantages of information and communication technologies to ensure the accuracy of patient, specimen and blood component identification and to enhance personnel traceability and system security. The built-in logics and process constraints in the design of the virtual blood bank can guide the selection of appropriate blood and minimize transfusion risk. The quality of blood inventory is ascertained and monitored, and an audit trail for critical procedures in the transfusion process is provided by the paperless system. Thus, the virtual blood bank can help ensure that the right patient receives the right amount of the right blood component at the right time.

  12. Biocalcarenites as construction materials in Santa Marina de Aguas Santas Church at Cordoba, Spain

    Directory of Open Access Journals (Sweden)

    Meroño, J. E.

    2009-03-01

    Full Text Available This study consisted in characterizing the materials used to build Santa Marina de Aguas Santas Church at Cordoba and locating the original quarries. The techniques used in the lithological and chemical characterization included XRD, petrographic microscopy and electron dispersive scanning microscopy. The chemical index of weathering (CIW was used to quantify the state of stone decay. The lithology and different types of alterations observed were mapped. A comparison of the material on the building to ancient quarries identified “Naranjo” as the possible site where the stone was originally quarried.Para la caracterización litológica y determinación del grado de alteración de los materiales pétreos se han empleado las siguientes técnicas: difracción de rayos X (método del polvo, microscopía petrográfica (sobre lámina delgada y microscopía de barrido con EDS (energía dispersiva de rayos X, para determinar la composición química. El estado de degradación del material pétreo se ha cuantificado a partir del índice químico de alteración (CIW. Se han realizado cartografías sobre la fachada oeste: a de las litologías presentes y b de los diferentes tipos de alteración observados. La comparación de muestras del edificio con las de antiguas canteras ha permitido identificar la del Naranjo como la posible cantera de origen.

  13. Local smoke-free policy development in Santa Fe, Argentina.

    Science.gov (United States)

    Sebrié, Ernesto M; Glantz, Stanton A

    2010-04-01

    To describe the process of approval and implementation of a comprehensive smoke-free law in the province of Santa Fe, Argentina, between 2005 and 2009. Review of the Santa Fe smoke-free legislation, articles published in local newspapers and documentation on two lawsuits filed against the law, and interviews with key individuals in Santa Fe. Efforts to implement smoke-free policies in Santa Fe began during the 1990s without success, and resumed in 2005 when the provincial Legislature approved the first 100% smoke-free subnational law in Argentina. There was no strong opposition during the discussions within the legislature. As in other parts of the world, pro-tobacco industry interests attempted to block the implementation of the law using well known strategies. These efforts included a controversy media campaign set up, the creation of a hospitality industry association and a virtual smokers' rights group, the introduction of a counterproposal seeking modification of the law, the challenge of the law in the Supreme Court, and the proposal of a weak national bill that would 'conflict' with the subnational law. Tobacco control advocates sought media attention as a strategy to protect the law. Santa Fe is the first subnational jurisdiction in Latin America to have enacted a comprehensive smoke-free policy following the recommendations of the World Health Organization (WHO) Framework Convention on Tobacco Control. After 3 years of implementation, pro-tobacco industry forces failed to undermine the law. Other subnational jurisdictions in Argentina, as well as in Mexico and Brazil are following the Santa Fe example.

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

    OpenAIRE

    Prawitasari, Larasati; Hudrasyah, Herry

    2012-01-01

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

  15. RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

    Directory of Open Access Journals (Sweden)

    Aji Damanuri

    2016-02-01

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

  16. Strategic positioning in banking industry: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Hedieh Mashoof

    2014-08-01

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

  17. CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

    Directory of Open Access Journals (Sweden)

    Chian-Son Yu

    2014-06-01

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

  18. BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

    Directory of Open Access Journals (Sweden)

    Dumitru-Cristian OANEA

    2014-04-01

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

  19. Global Banking System Regulatory Environment

    Directory of Open Access Journals (Sweden)

    Oleh Mozhovyi

    2017-03-01

    Full Text Available The international and domestic experience shows that the main factors of financial destabilization during the financial crises are in the banking sector. The article reveals that the vulnerability of the financial system is connected with functions, deposit and credit transactions, risks distribution and ensuring liquidity; banks act as a major factor in stabilisation measures in the current context of globalization processes, since the economic stability of banking activities relates directly to all the entities and only stable banking system can withstand the crisis phenomena. Therefore, as a result of the analysis, it is proved that not only reduction of risks of banks is needed, but also introduction of the effective supervision system over implementation of the requirements and standards to prevent these risks. According to modern international approaches, banks use the so-called prudential supervision, which is based on the risk management assessment policy on the part of the Bank’s management, and regulatory bodies contribute to implementation of such policy. The authors have concluded that not only modern specificity of banks, but also the impact of supervision systems and regulation of modern trends in development of the banking should be analysed. Application of the general regulatory principles and banking risks methodology is required. The task of supervision is distribution of reliable risk management practices in the banking system, taking into account national peculiarities of development.

  20. 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.

  1. Banking towards development: Evidence from the Spanish banking expansion plan

    OpenAIRE

    Pere Arqué-Castells; Elisabet Viladecans-Marsal

    2013-01-01

    During the period 1965-1987 Spain was an emerging market in full transition from developing to developed status. During the same period the Spanish banking system underwent an unprecedented episode of expansion growing from 5,000 to over 30,000 bank branches. We examine whether the latter process partly caused the former by focusing on the relationship between branch expansion and entrepreneurship in the wholesale and retail trade industries. To address the non-random allocation of bank branc...

  2. BLC Bank - Lebanon : Leading in Banking on Women

    OpenAIRE

    International Finance Corporation

    2016-01-01

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

  3. THE GROWTH OF ISLAMIC BANKING IN INDONESIA

    OpenAIRE

    Fika Fitriasari

    2012-01-01

    This article describes the growth of Islamic banking industry in Indonesia. Islamic banking to perform progressive and strong performance from the banking indicators. Bank Indonesia estimates that the Islamic banking industry will achieve a growth higher than the national banking system in general. In the development of Islamic banking there are still some challenges to be solved especially for a small market share, lack of human resources, and the lack of product developmen...

  4. PREFERENSI MASYARAKAT KOTA MEDAN TERHADAP BANK SYARIAH

    OpenAIRE

    Azuar Juliandi, Dewi Andriani,

    2016-01-01

    Sharia bank now has popularity among the people of Indonesia. Sharia bankbased on present Islamic economic principles. Sharia Bank has a big role increaseworld banking in Indonesia. Attentive Indonesia society majority is Moslem, soSharia Banking in the future has good prospect with increase knowledge aboutawareness to use banking produc and information with experience society aboutbenefit sharia banking. This study aimed to know knowledge and attitude society forsharia banking and to know kn...

  5. Potencial cosechable de la Ostra Crassostrea rhizophorae (Guilding, en la ciénaga grande de Santa Marta, Colombia

    Directory of Open Access Journals (Sweden)

    Carlos A. Hernández J.

    1987-01-01

    Full Text Available The potencial standing crop of oyster Crassostrea rhizophorae has been calculated as 938,6 tons oyster meat per year (wet-weight for market sized oyster, in the northern zone of the Cienaga Grande de Santa Marta. It has been estimated that the oyster-bank area within this zones covers 3.000.000 sq.m. The calculated actual oyster standing crop for that area during this research (April-November 1982 was 3,9 tons of oyster-meat (wet-weight and the actual catch 2,0 tons (in the same period. This reduction in the actual standing crop of oyster is mainly the result of: 1. The low prolonged salinity and the sediment causes mass mortality on oyster population; 2. Deterioration of the quality and available amounts of supporting shell substratum, required by oyster seedling attach and growth until they reach comercial size.

  6. 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 ...

  7. Pengaruh Pengumuman Likuidasi Bank Terhadap Minat Menarik Uang Dari Bank

    OpenAIRE

    Haribowo, Ignatius Novianto

    2017-01-01

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

  8. Ocorrência de cochonilhas em espinheira-santa (Maytenus ilicifolia Mart. ex Reissek Occurrence of mealybugs in "espinheira-santa" (Maytenus ilicifolia Mart. ex Reissek

    Directory of Open Access Journals (Sweden)

    J.M. Vitória

    2013-01-01

    Full Text Available Maytenus ilicifolia é uma espécie medicinal nativa do Brasil que vem sendo cultivada para atender a crescente demanda do mercado. Os fatores que interferem na produção, tal como a incidência de pragas e doenças, devem ser estudados para garantir o incremento na produtividade. O objetivo deste trabalho foi registrar a ocorrência e a identificação de cochonilhas associadas a 15 acessos de espinheira-santa (Maytenus ilicifolia do Banco Ativo de Germoplasma da Embrapa Clima Temperado e do Instituto Federal Sul-rio-grandense. Foi registrada a quantidade de plantas infestadas em cada acesso e identificado, em laboratório, as espécies de cochonilhas infestantes. O número de plantas infestadas variou entre os acessos. Foram identificadas as cochonilhas Ceroplastes sp. e Saissetia oleae, família Coccidae. Dos 10 acessos infestados, 23 (11,3% plantas apresentaram infestação com Ceroplastes sp. e, apenas uma (0,5%, com Saissetia oleae. O acesso 133 mostrou a maior incidência de Ceroplastes sp. (33,3%, seguido do acesso 130 (25,0%. O acesso 123 foi o que apresentou menor quantidade de plantas infestadas (4,8%. Saissetia oleae ocorreu em apenas uma planta, pertencente ao acesso 136 (5,6%.Maytenus ilicifolia is a medicinal species native to Brazil which has been cultivated to meet the growing market demand. Factors that interfere with the production, such as the incidence of pests and diseases, should be studied to ensure increased productivity. The aim of this study was to record the occurrence and the identification of mealybugs associated with 15 "espinheira-santa" (Maytenus ilicifolia accessions from the Active Germplasm Bank of "Embrapa Clima Temperado" and "Instituto Federal Sul-rio-grandense". The quantity of infested plants in each accession was recorded and the species of infested mealybugs were identified in the laboratory. The number of infested plants varied among accessions. The identified mealybugs were Ceroplastes sp. and

  9. Information technology for brain banking.

    Science.gov (United States)

    Schmitz, Peer

    2018-01-01

    Implementing and maintaining the information technology (IT) infrastructure of a brain bank can be a daunting task for any brain bank coordinator, particularly when access to both funds and IT professionals is limited. Many questions arise when attempting to determine which IT products are most suitable for a brain bank. The requirements of each brain bank must be assessed carefully to ensure that the chosen IT infrastructure will be able to meet those requirements successfully and will be able to expand and adapt as the size of the brain bank increases. This chapter provides some valuable insights to be considered when implementing the IT infrastructure for a brain bank and discusses the pros and cons of various approaches and products. Copyright © 2018 Elsevier B.V. All rights reserved.

  10. Payments and Central Bank Policy

    DEFF Research Database (Denmark)

    Korsgaard, Søren

    This thesis consists of three chapters. The rst, "Paying for Payments", examines the role of interchange fees in payment card networks. The second, "Bank Liquidity and the Interbank Market" (co-authored with Mikael Reimer Jensen), investigates how banks' liquidity holdings at the central bank a ect...... outcomes in the money market. The third, "Collateralized Lending and Central Bank Collateral Policy", considers the emergence of credit constraints under collateralized lending, and how central banks use collateral policy to mitigate these constraints. While the chapters can be read independently......, they share common themes. Each chapter is concerned with payments in one way or another, each is concerned with the e ciency of market outcomes, and, to the extent that there is scope for improving these outcomes, each discusses the appropriate role for policy, in particular central bank policy....

  11. 12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

    Science.gov (United States)

    2010-01-01

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

  12. 78 FR 37541 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-21

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

  13. 78 FR 300 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-03

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

  14. 77 FR 60996 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-05

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

  15. 75 FR 31788 - Change in Bank Control Notices; Acquisition of Shares of Bank or Bank Holding Companies

    Science.gov (United States)

    2010-06-04

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

  16. 77 FR 50689 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-08-22

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

  17. 78 FR 43883 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-22

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

  18. 78 FR 38978 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-28

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

  19. 77 FR 54917 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-06

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

  20. 78 FR 35271 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-06-12

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

  1. 78 FR 49268 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-13

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

  2. 77 FR 68121 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-15

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

  3. 78 FR 13877 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-03-01

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

  4. 77 FR 58141 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-19

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

  5. 78 FR 61352 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-10-03

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

  6. 77 FR 4323 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-27

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

  7. 77 FR 66463 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-11-05

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

  8. 78 FR 41929 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-12

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

  9. 77 FR 37406 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-21

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

  10. 78 FR 51726 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-21

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

  11. 77 FR 31612 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-29

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

  12. 77 FR 9250 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-02-16

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

  13. 78 FR 62301 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-10-15

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

  14. 78 FR 25084 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-29

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

  15. 78 FR 76834 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-12-19

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

  16. 77 FR 60702 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-04

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

  17. 77 FR 16839 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-03-22

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

  18. 78 FR 53457 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-29

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

  19. 78 FR 45535 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-29

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

  20. 77 FR 73031 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-12-07

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

  1. 77 FR 2293 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-01-17

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

  2. 77 FR 64801 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-23

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

  3. 77 FR 34385 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-11

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

  4. 77 FR 58379 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-09-20

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

  5. 77 FR 33459 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-06-06

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

  6. 77 FR 43824 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-07-26

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

  7. 78 FR 39729 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-07-02

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

  8. 78 FR 24747 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-26

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

  9. 77 FR 72864 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-12-06

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

  10. 78 FR 97 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-02

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

  11. 78 FR 27389 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-05-10

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

  12. 77 FR 63314 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-10-16

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

  13. 77 FR 19665 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-04-02

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

  14. 78 FR 76305 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-12-17

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

  15. 78 FR 49753 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-08-15

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

  16. 78 FR 3425 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-16

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

  17. 77 FR 27458 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-05-10

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

  18. 77 FR 39244 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2012-07-02

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

  19. 78 FR 3897 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-01-17

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

  20. Asymmetric information and bank runs

    OpenAIRE

    Gu, Chao

    2007-01-01

    It is known that sunspots can trigger panic-based bank runs and that the optimal banking contract can tolerate panic-based runs. The existing literature assumes that these sunspots are based on a publicly observed extrinsic randomizing device. In this paper, I extend the analysis of panic-based runs to include an asymmetric-information, extrinsic randomizing device. Depositors observe different, but correlated, signals on the stability of the bank. I find that if the signals that depositors o...

  1. Credit risk management in banks

    OpenAIRE

    Pětníková, Tereza

    2014-01-01

    The subject of this diploma thesis is managing credit risk in banks, as the most significant risk faced by banks. The aim of this work is to define the basic techniques, tools and methods that are used by banks to manage credit risk. The first part of this work focuses on defining these procedures and describes the entire process of credit risk management, from the definition of credit risk, describing credit strategy and policy, organizational structure, defining the most used credit risk mi...

  2. Bank performance and corporate culture

    OpenAIRE

    Stentella Lopes, F.S.

    2015-01-01

    This thesis has three chapters and focuses on the performance of banks and on corporate culture. The first two chapters focus on bank performance and economic expectations. Specifically, the first chapter sheds light on the consistency between investors’ reaction to merger announcement and bankers’ expectation on merger gains. The second chapter analyses the link between high expectations for future economic success and bank performance. The third chapter focuses on corporate culture and it s...

  3. Bank Share Prices and Profitability

    OpenAIRE

    Daniel Daugaard; Tom Valentine

    1993-01-01

    This paper considers the influence of economic conditions and financial markets on Australian bank share prices and profitability. It uses time series analysis to obtain an indication of the effectiveness of banks in managing their exposure to interest rates and exchange rates. The results give rise to some comments on the extent to which banks actively manage their exposure to financial and economic variables. The discussion of risk management activities necessarily raises the question of ho...

  4. 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

  5. Big Data and central banks

    OpenAIRE

    David Bholat

    2015-01-01

    This commentary recaps a Centre for Central Banking Studies event held at the Bank of England on 2–3 July 2014. The article covers three main points. First, it situates the Centre for Central Banking Studies event within the context of the Bank’s Strategic Plan and initiatives. Second, it summarises and reflects on major themes from the event. Third, the article links central banks’ emerging interest in Big Data approaches with their broader uptake by other economic agents.

  6. BEATING BANKS THROUGH KNOWLEDGE

    Directory of Open Access Journals (Sweden)

    Monica CALU

    2017-05-01

    Full Text Available In Romania, in the last decade, a significant number of solutions favorable to consumers with foreign currency denominated loans were obtained in courts against the banks or non-bank financial institutions. The judges noted the unfairness of the contractual terms inserted in the loans agreement and absolute nullity of these clauses. Also, in the context of the global economic and financial crisis triggered by the collapse of the banking system with the consequence of depreciation and/or sudden and high fluctuation of domestic currencies against the “safe-heaven currencies”, the theory of unpredictability becomes a particularly important institution. This paper deals with the concepts of „abusive clauses”, „unfair commercial practices” and „providing untruthful information to consumers to influence their choices”. It is also presenting a view of good faith and equity on the performance of contract and the “distribution of the risk” of the contract in the conditions of applying to the “unpredictability theory” in the context of terms of law doctrine and the relevant case law. The objective of this study is to demonstrate that by applying the theory of unpredictability to the occurrence of currency risk associated with loans in foreign currency and by subjecting to examination by court to the clauses whereby the consumer must assume the risk given by the changing of the circumstances of the execution of the contract can be obtain by the consumer or a rebalancing of the understanding of the parties or the cancellation clause which significantly unbalanced the consumer's obligation to bear any risk.

  7. En el Cincuentenario del Hospital Santa Clara

    Directory of Open Access Journals (Sweden)

    Gilberto Rueda Pérez

    1992-12-01

    Full Text Available

    El 16 de julio de 1942 nace el Hospital Sanatorio Antituberculoso Santa Clara en Santafé de Bogotá.
    Un siglo atrás, casi a la fecha, en 1843, nace en Alemania Roberto Koch, quien, 60 años antes de la fundación del Hospital, el 24 de marzo de 1882, presenta al mundo el descubrimiento del Micobacterium Tuberculosis, germen causante de la enfermedad que ataca alhombre desde sus más remotos orígenes y que aún nos acompaña, especialmente en los países subdesarrollados, causando severo impacto en la salud de las poblaciones más necesitadas, apesar de los grandes avances alcanzados en el campo de la Medicina a nivel mundial.
    Por haber sido destinado el Hospital altratamiento de los tuberculosos, destino que aún conserva primordialmente aunque, como se verá posteriormente, sus camas reciben enfermos de medicina general dada la evolución de los tratamientos y la modernización de los esquemas terapéuticos, se justifica ampliamente mencionar aquí los principales avances relacionados con el control de la Tuberculosis a través de los tiempos hasta la fundación del Hospital.

    Estos se pueden resumir así:

    • 'HIPOCRATES (460-377 a. C.:describe la consunción y la llama tisis; lanza el concepto de herencia que perdura por siglos.
    • ARISTOTELES(324-284a. C.:habla del contagio a través de la respiración.
    • CELSO (siglo I a. C.: describe el tubérculo y señala tres formas de consunción: atrofia, caquexia y tisis.
    • GALENO(181-261 d. C.: la agrupa con otras enfermedades transmisibles: la peste, la sarna, etc.
    • EDADMEDIA(sigloVII alXIIId. C.:se destaca únicamente como aporte nuevo Maimonides, filósofo judío radicado en Granada (11351204,quien describe la tisis de los animales.

    Posteriormente Girolamo Fracastoro (1478-1553, nacido en Verona,la asimila a la viruela y lanza la teoría microbiana.

    • PARACELSO(1493-1541pregona que: los

    • Energy Balance of the Santa Catarina State - Series 1980 -1996

      International Nuclear Information System (INIS)

      1997-01-01

      This energy balance of the Santa Catarina State presents the following main topics that can be outstanding: economic aspects; supply and demand of energy by source 1980-1996; energy consumption by sector 1980/1996; energy interchange; and balance of the transformation centers 1980/1996

    • Updates on the genus Euphorbia (Euphorbiaceae) in Santa Catarina, Brazil

      DEFF Research Database (Denmark)

      Hassemer, Gustavo; Marques da Silva, Otávio Luis; Funez, Luís Adriano

      2017-01-01

      This contribution presents updates to the knowledge of the species of Euphorbia that occur in Santa Catarina state, southern Brazil. More specifically, we here typify the names E. cyathophora, E. hirtella, E. paranensis and E. stenophylla, and present the first records of E. cyathophora, E...

    • Breeding and trade of wildlife in Santa Catarina state, Brazil

      Directory of Open Access Journals (Sweden)

      VV Kuhnen

      Full Text Available The wildlife trade is becoming increasingly more relevant in discussions concerning conservation biology and the sustainable management of natural resources. The aim of this study was to document the trade and breeding of wildlife in Santa Catarina state, in southern Brazil. Data was collected from annual reports (1996-2008 of wildlife breeders which were sent to IBAMA. By the end of 2008, there were 79 wildlife breeders and 11 wildlife traders distributed in Santa Catarina. Commercial breeding accounted for the highest number of breeders (51%. In total, there are 213 species of wild animals bred in the state: 177 birds, 19 mammals and 17 reptiles. Of these, 48% are native to Santa Catarina, 32% occur in other Brazilian states and 20% are exotic to Brazil. Nine percent of the species bred are vulnerable or endangered. It was observed that some breeders reported breeding unauthorized species. Altogether, 93 species are bred illegally by 19 breeders. Of these species, 48 are native to Santa Catarina and three are classified as vulnerable or in danger of extinction. We hope the data presented in this paper contributes to the development of conservation strategies and conscious use of wildlife resources in Brazil.

    • A Santa Sé e a Conferência de Helsinque

      Directory of Open Access Journals (Sweden)

      Virgílio Caixeta Arraes

      2011-02-01

      Full Text Available A presente exposição busca, brevemente, estudar a atuação da Santa Sé durante a Conferência de Helsinque e analisar a diplomacia pontifica durante esse período da Guerra Fria.

    • Santa Rita Experimental Range digital database: user's guide

      Science.gov (United States)

      Mitchel P. McClaran; Deborah L. Angell; Craig Wissler

      2002-01-01

      Long-term measurements and repeat photograph collections have been collected in a systematic manner on the approximately 21,000 ha Santa Rita Experimental Range (SRER) since its establishment in 1903. This research facility, located in the Desert Grassland vegetation of southern Arizona, was administered by the U.S. Department of Agriculture until 1988, when it was...

    • Islas de Old Providence y Santa Catalina. Presente y futuro

      Directory of Open Access Journals (Sweden)

      June Marie Mow

      2005-11-01

      Full Text Available Las Islas de Providencia y Santa Catalina ofrecen una combinación única de diversidad biológica y autenticidad cultural, convirtiéndose en las Islas menos degradadas ambiental y culturalmente en el Caribe; son áreas naturales, con bajos niveles de turismo, relativamente intactas en las cuales la comunidad isleña nativa local juega un papel significativo. La falta de una marca como destino turístico único nacional e internacionalmente, la baja conectividad, la carencia de una estrategia promocional, así como la baja importancia del sector para el gobierno local, brindan la oportunidad para que el ecoturismo trabaje para la gente de Old Providence y Santa Catalina bajo sus propias reglas de juego y que la voluntad política no sea desviada por ganancias de corto plazo o esquemas superficialmente muy atractivos, pero que no generan beneficios para la población local. La visión de la gente de Old Providence y Santa Catalina es que, sea el ecoturismo la forma de ofrecer nuevas opciones socioeconómicas a las poblaciones locales para que puedan obtener los beneficios de sus senderos, playas, arrecifes y áreas naturales, la tradición, y cultura local. Para ello, es posible aprovechar de manera sostenible la introducción de un nuevo paradigma para el desarrollo sostenible de Old Providence y Santa Catalina: La Reserva de Biosfera Seaflower.

    • Santa Fé ante el ataque de Raleigh a la Guayana

      Directory of Open Access Journals (Sweden)

      Manuel Lucena Salmoral

      1962-11-01

      Full Text Available A la una de la tarde del 12 de enero de 1618 comenzaron a desembarcar los efectivos militares que el corsario inglés Walter Raleigh lanzaba contra la pequeña ciudad de Santo Tomé (Guayana, dependiente por aquel entonces, como toda la provincia de El Dorado, de la Real Audiencia de Santa Fé.

    • Bank Resolution in Europe

      DEFF Research Database (Denmark)

      N. Gordon, Jeffery; Ringe, Georg

      2015-01-01

      This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other sort...... of taxpayer assistance. A holding company structure in which the public parent holds unsecured term debt sufficient to cover losses at an operating financial subsidiary would facilitate a “Single Point of Entry” resolution procedure that would minimize knock-on effects from the failure of a systemically...

    • Bank Resolution in Europe

      DEFF Research Database (Denmark)

      Gordon, Jeffrey N.; Ringe, Georg

      This chapter argues that the work of the European Banking Union remains incomplete in one important respect, the structural re-organization of large European financial firms that would make “resolution” of a systemically important financial firm a credible alternative to bail-out or some other sort...... of taxpayer assistance. A holding company structure in which the public parent holds unsecured term debt sufficient to cover losses at an operating financial subsidiary would facilitate a “Single Point of Entry” resolution procedure that would minimize knock-on effects from the failure of a systemically...

    • Fractional Reserve Banking

      OpenAIRE

      Andreasen, Niels; Bjerregaard, Mads; Lund, Jonas; Olsen, Ove Bitsch; Rasmussen, Andreas Dalgas

      2012-01-01

      Projektet er bygget op omkring kritisk realisme, som er det gennemgående videnskabelige fundament til undersøgelsen af hvilke strukturelle grunde der er til finansiel ustabilitet i Danmark. Projektet går i dybden med Fractional Reserve Banking og incitamentsstrukturen i banksystemet. Vi bevæger os både på det makro- og mikroøkonomiske niveau i analysen. På makro niveau bruger vi den østrigske skole om konjunktur teori (The Positive Theory of the Cycle). På mikro niveau arbejder vi med princip...

    • 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)

    • Image data bank

      International Nuclear Information System (INIS)

      Bacigalupo, J.; Guillen, G.; Gerez, J.

      1998-01-01

      A project intending to demonstrate the factibility of an image data bank using the commonly available technology was designed.Images obtained in a digital way were classified and stored in an informatics network.An electronic archive focusing the critical care aspects and suitable for clinical use was created.Utilizing the resources of our own and with no high cost in money.Updating a digital medical imagery system is possible with local resources.Modernization in information management is possible in the intensive Care Medicine areas

    • 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.

  1. Banking Integration in European Context

    Directory of Open Access Journals (Sweden)

    Roxana Bădîrcea

    2016-05-01

    Full Text Available The integration of different states in a already existing union or in a new one represents a long-lasting process involving harmonisations on various fields – political, economic, legislative, social, cultural, technological, informational, etc. Besides the integration of the states and of the different authorities in a common mechanist, the business organizations also have to comply with certain standards and to align to certain procedures. The banking system is not an exception being probably one of the pillars of the economic and financial integration of a state in a union. Banking integration may be considered the process leading to a convergence towards a single market for all products, processes, procedures, standards, transactions from the banking field. All sets of standards, mechanisms and procedures should be observed both by banks, regulation and control bodies, but also by customers. Only in this way one can create the premises for the most favourable banking transactions. The integration of the banking system in a union is determined, conditioned and influenced by a series of factors. Based on the data published by the Bank for International Settlements, the authors carry out a close and pertinent empirical analysis of the banking assets flows between the Eurozone countries in the period 2000-2014. The paper also deals with the commitments that the recent economic-financial crisis created on the banking assets flows. The authors resort to regression equations in order to demonstrate the connection between the effects of banking integration and various factors involved (the relative dimension of the country, the significance of the banks in the financial system, the Herfindhal index, the degree of concentration or dispersion of the property on banks, the degree of independence, the tradition of law. In order to measure the level of banking integration of the national bank systems, the indices we used are the degree of openness

  2. Online Banking Customers: Insights from Germany

    OpenAIRE

    Sven Christian Berger; Sonja Gensler

    2007-01-01

    Online banking is wide spread among German banking customers. But what really characterizes those customers? Using data from a nation-wide survey of about 20,000 retail banking customers, the authors analyze the profile of online banking customers and their banking behavior.

  3. Should the 'Outs' Join the Banking Union?

    NARCIS (Netherlands)

    P. Hüttl (Pia); D. Schoenmaker (Dirk)

    2016-01-01

    textabstractThe Single Market stimulates cross-border banking throughout the European Union. This paper documents the banking linkages between the 9 ‘outs’ and 19 ‘ins’ of the Banking Union. We find that some of the major banks, based in Sweden and Denmark, have substantial banking claims across the

  4. Banking efficiency under corporate social responsibilities

    DEFF Research Database (Denmark)

    Ohene-Asare, Kwaku; Asmild, Mette

    2012-01-01

    This paper expands the banking efficiency literature by developing a banking intermediation model that captures both profit-maximizing and Corporate Social Responsibilities (CSR) of banks. Using a data set of 21 banks for each year 2006-2008, we evaluate the relative efficiency of Ghanaian banks...

  5. Recent trends in cross-border banking

    NARCIS (Netherlands)

    De Haas, Ralph; van Horen, Neeltje; Beck, Thorsten; Casu, Barbara

    2017-01-01

    This chapter identifies a number of recent trends in European cross-border banking. The authors first distinguish between two main modes of international banking: cross-border versus multinational banking. Cross-border banking occurs when a bank in country A lends directly to a borrower in country

  6. 40 CFR 91.205 - Banking.

    Science.gov (United States)

    2010-07-01

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

  7. Oral health of the Paleoamericans of Lagoa Santa, Central Brazil.

    Science.gov (United States)

    Da-Gloria, Pedro; Larsen, Clark Spencer

    2014-05-01

    The peopling, origins, and early prehistory of the Americas are topics of intense debate. However, few studies have used human remains to document and interpret patterns of health and lifestyle of Paleoamericans. This study provides the first investigation to characterize oral health in a series of early Holocene skeletal remains from Lagoa Santa, Brazil, a locality containing the remains of some of the earliest inhabitants of South America (10,000-7,000 BP). The sample is composed of 949 teeth and 1925 alveoli from an estimated 113 individuals excavated from 17 archaeological sites located in the State of Minas Gerais. We compare dental caries and abscess prevalence at Lagoa Santa to a large sample of human skeletons from the Western Hemisphere Project (WHP) database using both individual and tooth/alveolus count methods. In addition, antemortem tooth loss and tooth wear were analyzed in Lagoa Santa by sex and age. The results show that Lagoa Santa dental caries and abscess prevalence are significantly higher than observed among other hunter-gatherers included in the WHP database, except when abscess prevalence is considered by individual count. Adult females have less tooth wear coupled with higher prevalence of dental caries and antemortem tooth loss than adult males. These results point to an unexpected record of poor oral health at Lagoa Santa, especially among females. A diet based on a highly cariogenic combination of wild tubers and fruits is suggested as an explanation for the elevated rate, characterizing an early adaptation to a tropical environment in South America. Copyright © 2014 Wiley Periodicals, Inc.

  8. Developing and Validating a Santa Ana Wildfire Threat Index

    Science.gov (United States)

    Capps, S. B.; Rolinski, T.; DAgostino, B.; Vanderburg, S.; Fovell, R. G.; Cao, Y.

    2014-12-01

    Santa Ana winds, common to southern California during the fall through spring, are a type of katabatic wind that originates from a direction generally ranging from 360°/0° to 100° and is usually accompanied by very low humidity. Since fuel conditions tend to be driest from late September through the middle of November, Santa Ana winds occurring during this period have the greatest potential to produce large, devastating fires when an ignition occurs. Such catastrophic fires occurred in 1993, 2003, 2007, and 2008. Because of the destructive nature of these fires, there has been a growing desire to categorize Santa Ana wind events in much the same way that tropical cyclones have been categorized. The Santa Ana Wildfire Threat index (SAWT) is an attempt to categorize such events with respect to fire activity, based on surface wind velocity, dew point depression, and forecasted fuel conditions. The index, a USDA Forest Service product, was developed by the Forest Service in collaboration with San Diego Gas and Electric Utility (SDG&E), the Department of Atmospheric and Oceanic Sciences at UCLA, The Desert Research Institute (DRI), and Vertum Partners. The methodology behind the SAWT index, along with the index itself will be presented in detail. Also, there will be a discussion on the construction of a 30-year climatology of the index, which includes various meteorological and fuel parameters. We will demonstrate the usefulness of the index as another decision support tool for fire agencies and first responders, and how it could assist the general public and private industry in the preparation of critical Santa Ana wind events.

  9. Using Banks: Teaching Banking Skills to Low-Income Consumers.

    Science.gov (United States)

    Shurtz, Mary Ann; LeFlore, Ann Becker

    This module, one of six on teaching consumer matters to low-income adults, discusses banking skills. Topics include banking services (savings accounts, safety deposit boxes, Christmas clubs, loans, etc.), checking accounts (deposits, checkwriting, check registers, opening an account), how to use the check register (cancelled checks, deposits),…

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

    African Journals Online (AJOL)

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

  11. 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...

  12. Expansion of the agricultural frontier on riparian vegetation of Santa Cruz River, Cuba

    Directory of Open Access Journals (Sweden)

    Felipe Carricarte Rodríguez

    2016-12-01

    Full Text Available The work was developed in the Los Amaros, the Santa Cruz river, Artemisa, Cuba. The objective was to evaluate how it influences the expansion of the agricultural frontier on riparian vegetation where the semi-deciduous mesophytic forest (BsdMe predominates. A floristic characterization was performed, identifying the effects of disturbances on the structure and composition of these forests and their relation to human disturbance. A semi-structured interview was applied to all landowners in the study area. Species richness, dominance, basal area, total number of individuals, width of the strip covered by trees and shrubs, and area without vegetation on both banks of the river, respectively were considered as variables. There are differences in the structure and patterns of diversity of the studied forest, as a result of disturbances, with the consequent reduction of species; also anthropogenic disturbances, are the main factors that explain changes in the structure of these forests. They are identified as major species: Cupania macrophylla A. Rich., Roystonea regia HBK O. F. Cook., Guarea guidonia L. Sleumer and Trichilia hirta  L. It is proposed to deepen the effect of the expansion of agriculture into other sectors of the river in interaction with local communities.

  13. Native plant recovery in study plots after fennel (Foeniculum vulgare) control on Santa Cruz Island

    Science.gov (United States)

    Power, Paula; Stanley, Thomas R.; Cowan, Clark; Robertson, James R.

    2014-01-01

    Santa Cruz Island is the largest of the California Channel Islands and supports a diverse and unique flora which includes 9 federally listed species. Sheep, cattle, and pigs, introduced to the island in the mid-1800s, disturbed the soil, browsed native vegetation, and facilitated the spread of exotic invasive plants. Recent removal of introduced herbivores on the island led to the release of invasive fennel (Foeniculum vulgare), which expanded to become the dominant vegetation in some areas and has impeded the recovery of some native plant communities. In 2007, Channel Islands National Park initiated a program to control fennel using triclopyr on the eastern 10% of the island. We established replicate paired plots (seeded and nonseeded) at Scorpion Anchorage and Smugglers Cove, where notably dense fennel infestations (>10% cover) occurred, to evaluate the effectiveness of native seed augmentation following fennel removal. Five years after fennel removal, vegetative cover increased as litter and bare ground cover decreased significantly (P species increased at Scorpion Anchorage in both seeded and nonseeded plots. At Smugglers Cove, exotic cover decreased significantly (P = 0.0001) as native cover comprised of Eriogonum arborescensand Leptosyne gigantea increased significantly (P < 0.0001) in seeded plots only. Nonseeded plots at Smugglers Cove were dominated by exotic annual grasses, primarily Avena barbata. The data indicate that seeding with appropriate native seed is a critical step in restoration following fennel control in areas where the native seed bank is depauperate.

  14. Natural gas utilization in Santa Cruz thermal-electric power; A utilizacao de gas natural em Santa Cruz

    Energy Technology Data Exchange (ETDEWEB)

    Azevedo, Mauricio F. de.; Lundeqvist, Carl G; Gomes, Gerson; Almeida, A E

    1994-12-31

    Use of natural gas as an alternative energy source on the thermo electric power plant of Santa Cruz are presented. Economic studies on hydroelectric power plants to use thermal generators during low water supply periods, costs of natural gas as a alternative energy fuel, and the engineer services to the conversion of fuel oil system, are discussed. 5 figs., 6 tabs.

  15. Causal Relationship between Liquidity and Profitability of Nigerian Deposit Money Banks

    OpenAIRE

    Odunayo M. Olarewaju; Oluwafeyisayo K. Adeyemi

    2015-01-01

    The aim of this paper is to examine the existence and direction of causality between liquidity and profitability of deposit money banks in Nigeria. Fifteen quoted banks out of the existing nineteen banks were selected for the study. They are; Guarantee Trust bank, Zenith bank, Skye bank, Wema bank, Sterling bank, First City Monument bank, United Bank for Africa, Eco bank, First bank, Access bank, Diamond bank, Unity bank, Fidelity bank, Union bank and IBTC bank. Pairwise Granga Causality test...

  16. Field Surveys of Rare Plants on Santa Cruz Island, California, 2003-2006: Historical Records and Current Distributions

    Science.gov (United States)

    McEachern, A. Kathryn; Chess, Katherine A.; Niessen, Ken

    2010-01-01

    recovery. Several taxa have particular problems evidenced by lack of fruit set, very small population sizes, or unstable habitats. We collected seeds of all but two taxa for seed banking, and live cuttings of two clonal shrubs for cultivation at the Santa Barbara Botanic Garden. The survey data, seeds and cuttings provide a baseline and a foundation for planning, conducting, and tracking recovery of the nine federally listed plant taxa of Santa Cruz Island.

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

    Directory of Open Access Journals (Sweden)

    Habbar Abderezak, Dr.

    2014-06-01

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

  18. Bank capital management : International evidence

    NARCIS (Netherlands)

    De Jonghe, O.G.; Öztekin, Ö.

    We examine the dynamic behavior of bank capital using a global sample of 64 countries during the 1994-2010 period. Banks achieve deleveraging through active capital management (equity growth) rather than asset liquidation. In contrast, they achieve leveraging through passive capital management

  19. Regulating and Combating Underground Banking

    NARCIS (Netherlands)

    Borgers, M.J.

    2009-01-01

    In combating and regulating underground banking, a choice can be made of roughly two models, the risk model and the assimilation model. The risk model comes down to a complete prohibition of underground banking combined with an active investigation and prosecution policy. In the assimilation model,

  20. Size, productivity, and international banking

    NARCIS (Netherlands)

    Buch, Claudia M.; Koch, Catherine T.; Koetter, Michael

    Heterogeneity in size and productivity is central to models that explain which manufacturing firms expert. This study presents descriptive evidence on similar heterogeneity among international banks as financial services providers. A novel and detailed bank-level data set reveals the volume and mode

  1. BioMagResBank.

    NARCIS (Netherlands)

    Ulrich, E.L.; Akutsu, H.; Doreleijers, J.; Harano, Y.; Ioannidis, Y.E.; Lin, J.; Livny, M.; Mading, S.; Maziuk, D.; Miller, Z.; Nakatani, E.; Schulte, C.F.; Tolmie, D.E.; Wenger, R.K.; Yao, H.; Markley, J.L.

    2008-01-01

    The BioMagResBank (BMRB: www.bmrb.wisc.edu) is a repository for experimental and derived data gathered from nuclear magnetic resonance (NMR) spectroscopic studies of biological molecules. BMRB is a partner in the Worldwide Protein Data Bank (wwPDB). The BMRB archive consists of four main data

  2. Banking competition, risk and regulation

    NARCIS (Netherlands)

    Bolt, Wilko; Tieman, Alexander F.

    2004-01-01

    In a dynamic framework, commercial banks compete for customers by setting acceptance criteria for granting loans, while taking into account regulatory requirements. By easing its acceptance criteria a bank faces a trade-off between attracting more demand for loans, thus making higher per-period

  3. Bank performance and corporate culture

    NARCIS (Netherlands)

    Stentella Lopes, F.S.

    2015-01-01

    This thesis has three chapters and focuses on the performance of banks and on corporate culture. The first two chapters focus on bank performance and economic expectations. Specifically, the first chapter sheds light on the consistency between investors’ reaction to merger announcement and bankers’

  4. The Dutch Banking Chipcard Game

    NARCIS (Netherlands)

    H.J. de Vries (Henk); G.W.J. Hendrikse (George)

    2001-01-01

    textabstractThe banks in the Dutch chipcard market initially agreed on one chipcard system. One system is attractive for companies as well as consumers. Companies, banks and retailers, prevent costs of duplication, while consumers enjoy the benefits of a widespread acceptance of one card and do not

  5. Protection of large capacitor banks

    International Nuclear Information System (INIS)

    Sprott, J.C.; Lovell, T.W.

    1982-06-01

    Large capacitor banks, as used in many pulsed plasma experiments, are subject to catastrophic failure in the event of a short in the output or in an individual capacitor. Methods are described for protecting such banks to minimize the damage and down-time caused by such a failure

  6. Bank credit and business financing

    NARCIS (Netherlands)

    Morales Arenas, Diana

    2018-01-01

    This dissertation consists of three essays on empirical banking. They explore the bank lending granted to businesses. Chapter 1 explores the effect of less stringent collateral requirements on small firms’ employment growth. Not having to pledge collateral seems to have an effect on the growth

  7. Intervention in systemic banking crises

    NARCIS (Netherlands)

    Homar, T.

    2016-01-01

    Systemic banking crises often continue into recessions with large output losses. Governments and central banks intervene to preserve the key functions of the financial system and to mitigate the adverse impact of financial distress on economic growth. This thesis investigates how effective

  8. Liquidity coinsurance and bank capital

    NARCIS (Netherlands)

    Castiglionesi, F.; Feriozzi, F.; Lóránth, G.; Pelizzon, L.

    Banks can deal with their liquidity risk by holding liquid assets (self-insurance), by participating in interbank markets (coinsurance), or by using flexible financing instruments, such as bank capital (risk sharing). We use a simple model to show that undiversifiable liquidity risk, that is, the

  9. Liquidity regulation and bank behavior

    NARCIS (Netherlands)

    Bonner, C.

    2014-01-01

    In response to the 2007-08 financial crisis, the Basel Committee on Banking Supervision proposed two liquidity standards to reinforce banks’ resilience to liquidity risks. The purpose of this thesis is to analyze the impact of liquidity regulation on bank behavior. The first of four main chapters

  10. QUALITY MANAGEMENT IN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Micuda Ion Dan

    2009-05-01

    Full Text Available Quality management banking perspective is extremely interesting, from the point of view of the activities specific, and of the permanent area competition improvement. Banks being aware of the quality problems also lead to the appearance and requirement of

  11. 78 FR 20643 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

    Science.gov (United States)

    2013-04-05

    ... (Jacqueline G. King, Community Affairs Officer) 90 Hennepin Avenue, Minneapolis, Minnesota 55480-0291: 1... voting shares of Northview Bank, Sandstone, Minnesota, and First Independent Bank, Russell, Minnesota...

  12. Predicting retail banking customers' attitude towards Internet ...

    African Journals Online (AJOL)

    chestt

    at increasing the adoption of Internet banking use among retail banking .... customers to access and perform financial transactions on their bank account from ..... customers barely agree with the statements that measured this construct.

  13. Greece and the Missing Banking Union

    DEFF Research Database (Denmark)

    N. Gordon, Jeffery; Ringe, Georg

    2015-01-01

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

  14. Security Testing Handbook for Banking Applications

    CERN Document Server

    Doraiswamy, Arvind; Kapoor, Nilesh

    2009-01-01

    Security Testing Handbook for Banking Applications is a specialised guide to testing a wide range of banking applications. The book is intended as a companion to security professionals, software developers and QA professionals who work with banking applications.

  15. Innovative Secure Mobile Banking Services

    Directory of Open Access Journals (Sweden)

    Mousa T AL-Akhras

    2011-01-01

    Full Text Available Due to the widespread use of computer technologies in almost all aspects of life, organisations that are connected to the Internet started extending their services to their customers to include new applications and services that satisfy their customers’ desires to make better businesses. One of these emerging applications is mobile banking. The term mobile banking (or m-banking describes the banking services that the user can perform via a mobile device ubiquitously at anytime and from anywhere. In order for users to access their accounts, they need a mobile device and network connectivity. Therefore, sitting in front of a computer is not a requirement anymore; accessing accounts can occur while users are waiting their turn at the dentist clinic or relaxing at the beach! This paper explores the opportunities of using mobile technology in the electronic banking (e-banking sector to enhance existing banking services by moving toward m-banking using mobile devices and wireless media that can provide opportunities for ubiquitous access to the banking services as mobile technologies can be used at anytime and from anywhere. The technical problems encountered while using the mobile devices presents some technical difficulties and challenges for the m-banking. In this paper we introduce a mobile system that demonstrates the flexibility gained out of this technology and covers the major aspects of such kind of applications. The proposed system covers two parts: the customer services (user interface and the security aspects. In the user interface part, banking facility is provided to the user through the mobile device to implement banking transactions. The model provides customers with the services: billing payments, transferring of funds, viewing of customer’s accounts and transactions, allowing the user to change his/her password and request a cheque book. The application takes into consideration security aspects, it satisfies the following

  16. African Journals Online: Saint Lucia

    African Journals Online (AJOL)

    . Log in or Register to get access to full text downloads. Username, Password, Remember me, or Register · Browse By Category · Browse Alphabetically · Browse By Country · List All Titles · Free to read Titles This Journal is Open Access ...

  17. Language Attitudes in St. Lucia

    Science.gov (United States)

    Lieberman, Dena

    1975-01-01

    Presents results of the application of the matched guise--a method requiring respondents to evaluate the personality traits of speakers whose tape-recorded voices are played to them--to a sample of bilingual Saint Lucians. Results indicate that Saint Lucian bilinguals have different evaluative reactions to their two languages, English and a French…

  18. Islamic Banking Capital Challenges to Increase Business Expansion (Indonesia Cases)

    OpenAIRE

    Lucky Nugroho; Wiwik Utami; Caturida Meiwanto Doktorlina; Soeharjoto Soekapdjo; Tengku Chandra Husnadi

    2017-01-01

    In the case of Indonesia regarding capital sources in Islamic Banks, all Islamic Banks are subsidiaries of Conventional Banks (except Bank Muamalat). Bank Syariah Mandiri which is the only Islamic Bank that meets capital ownership with Business Category Bank Level III (BUKU III) is also a subsidiary of Bank Mandiri (conventional bank). In the same way, conventional banks become essential to meet the capital requirement to improve the business of Islamic Bank. This article aims to determine th...

  19. CHARACTERISTICS OF ONLINE BANKING PRODUCTS AND SERVICES

    OpenAIRE

    BUCUR Luiza Emanuela

    2015-01-01

    Online banking is the newest and least understood delivery channel for retail banking services. This article show how customers perceive Online Banking Services. Focuses on the issues associated with internet banking service quality. For customer service quality, focus is on access, credibility, communication, understanding the costumer and collaboration. For online banking services focus is on: ease of use, accuracy, timelines, aesthetics and security. For banking service product quality foc...

  20. Credit Risk Management in Chinese Banking Industry

    OpenAIRE

    Zhang, Lei

    2006-01-01

    Abstract Credit risk is by far the most important risk faced by banks, and it influences the bank profitability and its long-term operation significantly. Well management on credit risk can be a competitive advantage for banks in the competitive banking industry. Chinese banks suffer from serious financial fragility manifested by high proportions of NPLs and low capital adequacy ratios (Bonin and Huang, 2001). This dissertation examines the real credit performance of Chinese banks ba...

  1. Penerapan Business Continuity Pada Bank Central Asia

    OpenAIRE

    Chandra, Keefe Darius

    2017-01-01

    Banks are financial institutions that have a major impact on the economic system and can affect people's lives. Hence, regulators concerned in organizing business continuity of the banking industries. PT. Bank Central Asia, Tbk. (BCA) represents businesses in the banking sector that can not escape from the natural and man threats which can interfere the bank's business. This case study presents a glimpse of how the business continuity run in BCA. Moreover, business continuity in banking can n...

  2. Growth of Non-bank Trade Finance

    OpenAIRE

    Satinder Bhatia

    2017-01-01

    The rise of non-bank trade finance has been especially noticeable in the last decade. Many commodity and e-commerce companies are rapidly entering this arena as sovereign guarantees and collaterals take a backseat making it harder for banks to apply traditional models while lending to businesses. Non-banks which are more nimble occupy space vacated by banks. Increasingly, though, banks have begun to collaborate with non-banks, particularly fintech companies for rapid processi...

  3. [The National Serum Bank].

    Science.gov (United States)

    Magos-López, C; Sánchez-Villarreal, F; Gutiérrez, G; Tapia-Conyer, R

    1992-01-01

    A National Serum Bank was established to store sera obtained during the National Seroepidemiological Survey performed in Mexico in 1987. More than 70,000 serum samples were obtained from subjects of either sex 1-99 years of age in each of the 32 states of the country. The current collection of sera includes 28,704 male samples and 40,629 female samples. This paper describes the procedures for handling serum samples, including reception registry, storage and distribution to several laboratories for detection of measles, rubella, poliomyelitis, AIDS, diphtheria, pertussis, tetanus, brucella, salmonella, amoeba, toxoplasma, American trypanosomiasis and cysticercus. Determinations of total cholesterol were also made in order to describe its distribution and to identify the prevalence of hypercholesterolemia.

  4. Security of Electronic Banking

    OpenAIRE

    Pařil, Jan

    2015-01-01

    Hlavním zaměřením diplomové práce je elektronické bankovnictví a jeho bezpečnost. Práce obsahuje zhodnocení současného stavu zabezpečení elektronického bankovnictví, možné hrozby napadení elektronického bankovnictví a rizika prolomení zabezpečení. Další část vyhodnocuje dotazník, který zjišťoval spokojenost uživatelů s bezpečností elektronického bankovnictví. Jsou doporučeny nové formy zabezpečení. The main focus of the thesis is an electronic banking and security. The work includes evalua...

  5. Bank Liquidity and Financial Performance: Evidence from Moroccan Banking Industry

    Directory of Open Access Journals (Sweden)

    El Mehdi Ferrouhi

    2014-12-01

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

  6. Bank Stability and Competition: Evidence from Albanian Banking Market

    Directory of Open Access Journals (Sweden)

    Gerti SHIJAKU

    2017-05-01

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

  7. 33 CFR 334.730 - Waters of Santa Rosa Sound and Gulf of Mexico adjacent to Santa Rosa Island, Air Force Proving...

    Science.gov (United States)

    2010-07-01

    ... 33 Navigation and Navigable Waters 3 2010-07-01 2010-07-01 false Waters of Santa Rosa Sound and..., Fla. 334.730 Section 334.730 Navigation and Navigable Waters CORPS OF ENGINEERS, DEPARTMENT OF THE ARMY, DEPARTMENT OF DEFENSE DANGER ZONE AND RESTRICTED AREA REGULATIONS § 334.730 Waters of Santa Rosa...

  8. Soil chemistry and mineralogy of the Santa Cruz coastal terraces

    Science.gov (United States)

    Pinney, Colin; Aniku, Jacob; Burke, Raymond; Harden, Jennifer; Singer, Michael; Munster, Jennie

    2002-01-01

    Marine terraces in the central coast of California provide an opportunity to study a soil chronosequence in which similar materials (beach deposits) have been weathered under similar slope, climatic, and vegetation conditions during the Quaternary. The terraces between Santa Cruz and Año Nuevo, California, have been studied for decades and are thought to be one of the best example of marine terraces in California {Lawson (1893), Wilson (1907); Branner and others (1909), Rode (1930) Page and Holmes (1945), Alexander (1953), Bradley (1956, 1957, 1958, and 1965), Bradley and Addicott (1968), Clark (1966 and 1970), Jahns and Hamilton (1971), Lajoie and others (1972), Bradley and Griggs (1976). Hanks and others (1986), Aniku (1986), Fine and others (1988), Anderson (1990 and 1994), and Rosenbloom and Anderson (1994).} Here we report morphological, chemical, physical, and mineralogical data for the soils that were formed in deposits on the Santa Cruz marine terraces in order to examine soil characteristics as a function of increasing terrace age.

  9. Myxomycetes de Florianópolis (Santa Catarina - Brasil Myxomycetes of Florianópolis (State of Santa Catarina - Brazil

    Directory of Open Access Journals (Sweden)

    Laise de Holanda Cavalcanti

    1994-07-01

    Full Text Available Considerando a inexistência de registros de ocorrência de Myxomycetes em Florianópolis, realizou- se coletas nas matas da Lagoa do Peri e Lagoa da Conceição, em 1990, assinalando-se as seguintes espécies : Lycogala exiguum Morg. (Enteridiaceae ; Cribraria languescem Rex, C. vulgaris Sclir. (Cribrariaceae ; Arcyria cinerea ( Bull. Pers. , Hemitrichia serpula ( Scop. Rost., H. calyculata ( Speg. Farr e Hemitrichia sp (Trichiaceae ; Stemonitis fusca Roth. e S. smithii Macbr. (Stemonitaceae. Exsicatas encontram-se depositadas no herbário UFP. Lycogala exiguum é assinalada pela primeira vez para Santa Catarina, Cribraria languescens para a região Sul e Cribraria vulgaris para o Brasil. O levantamento eleva para 47 o número de espécies referidas para o Estado de Santa Catarina. Fornece-se um histórico do estudo deste qrupo de organismos em Santa Catarina bem como a área de ocorrência de cada espécie no Estado e nas diferentes regiões do Brasil.A survey on Myxomycetes was made in the woods of Lagoa do Peri and Lagoa da Conceição in 1990, considering the absence of reports of this kind for the city of Florianópolis, when the following species were registered: Lycogala exiguum Morg. (Enteridiaceae; Cribraria languescem Rex, C. vulgaris Schr. (Cribrariaceae; Arcyria cinerea (Bull. Pers. Hemitrichia serpula (Scop. Rost., H. calyculata (Speg. Fair and Hemitrichia sp (Trichiaceae; Stemonitis fusca Roth, and S. smithii Macbr. (Stemonitaceae. Exicates are deposited at the herbarium UFP. Lycogala exiguum is noted for the first time in the state of Santa Catarina, Cribraria languescem in the South and Cribraria vulgaris in Brazil. The survey raises up the number of registers refered to the state of Santa Catarina to 47 species. A review of the studies on this group of organisms in Santa Catarina is given as well as the area where each species occur in this state and in different regions of Brazil.

  10. Banking Activity for Sustainable Development

    Directory of Open Access Journals (Sweden)

    Ion Stancu

    2006-08-01

    Full Text Available he corporations gain a power of influence, unthinkable years ago; they have acquired more and more rights and, in some way, govern the life of billions of peoples and of the earth in general. With every right, comes though the responsibility of the conservation and development of the environment in which the corporations act. The banking system has a major role to play in the evolution of the international framework, given its position on the economic stage. Some important banking groups realized this fact and made important steps in the area. The case study of the Holland banking group ABN AMRO proves the complexity of the introduction of sustainable development in the core of the financial business. The implementation is neither easy nor cheap. It implies essential changes in the bank management, in the way to determine the financial policies, in how to choose the clients, the employees, the suppliers etc. Led in an efficient way, sustainable banking implies innovation, creativity and, implicitly, new gains, through creating new products and opening new markets. The international banking community proved, through leading examples (ABN AMRO Bank, HSBC Group, Rabobank Group, JP Morgan Chase, Citigroup etc. that it understands the importance, the necessity and also the viability of the sustainable development.

  11. Organizational Support for Workers' Recuperation in Nigerian Banks ...

    African Journals Online (AJOL)

    This paper investigates organizational support for workers' recuperation in Nigerian Banks. The study was conducted in Ilorin, the capital city of Kwara State, Nigeria. Eight commercial banks namely, United Bank for Africa, First Bank of Nigeria, Diamond Bank, Fidelity Bank, Wema Bank, First City Monument Bank and Union ...

  12. 12 CFR 615.5030 - Borrowings from commercial banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Borrowings from commercial banks. 615.5030... commercial banks. (a) Each System bank board, by resolution, shall authorize all commercial bank borrowings by that System bank. (b) The Financial Assistance Corporation may borrow from commercial banks with...

  13. 12 CFR 619.9145 - Farm Credit Bank.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Bank. 619.9145 Section 619.9145 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9145 Farm Credit Bank. The term Farm Credit Bank refers to a bank resulting from the mandatory merger of the Federal land...

  14. BANKING ETHICS: MAIN CONCEPTIONS AND PROBLEMS

    Directory of Open Access Journals (Sweden)

    VALENTINA FETINIUC

    2014-10-01

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

  15. Geology and paleontology of the Santa Maria district, California

    Science.gov (United States)

    Woodring, W.P.; Bramlette, M.N.

    1950-01-01

    Stratigraphy, paleontology, and geologic history.-A basement' consisting of igneous rocks of the Jurassic(?) Franciscan formation and sediments of the Upper Jurassic Knoxville formation, and formations of Tertiary and Quaternary age are exposed in the Santa Maria district. The outcrop section, exclusive of the Franciscan, has a maximum thickness of about 10,000 feet, the subsurface section about 27,000 feet. At no locality, however, is either outcrop or subsurface section as thick as the total maxima for the formations.

  16. Santa Muerte: Threatening the U.S. Homeland

    Science.gov (United States)

    2011-03-08

    with modern day Catholic practices.5 As West-African slaves migrated northward during the early 19th century, they brought with them Y aruba...of Sinaloa , a report of a mass murder revealed the bodies of 50 victims with tattoos and jewelry depicting Santa Muerte. 18 In other cases, rituals...forced thousands to abandon their jobs, homes, and friends in order to migrate north of the border in search of safety and a better life. Likewise

  17. Migración negra en Santa Marta

    Directory of Open Access Journals (Sweden)

    Josè Luis Vega de Lavalle

    2013-11-01

    Full Text Available El objetivo de este artículo es dar cuenta de los procesos e inserción urbana de la Gente Negra  se ha instalado en Santa Marta, los cuales han llegado a partir de la década de los años ochenta a  en el sector turístico de esta ciudad.

  18. UC Santa Barbara physicist wins prestigious European award

    CERN Document Server

    2003-01-01

    "The prestigious High Energy and Particle Physics Prize of the European Physical Society for 2003 has been awarded to David Gross, a professor of physics and director of the Kavli Institute for Theoretical Physics at the University of California, Santa Barbara. He shares the prize with two other Americans - Frank Wilczek of the Massachusetts Institute of Technology ... and David Politzer of the California Institute of Technology. They are the first Americans to ever receive the award" (1 page).

  19. The Early History of UC Santa Cruz's Farm and Garden

    OpenAIRE

    Lee, Paul; Norris, Phyllis; Martin, Orin; Tamura, Dennis; Hagege, Maya; Jarrell, Randall; Regional History Project, UCSC Library

    2002-01-01

    The Early History of UCSC's Farm and Garden documents the emergence of the organic gardening and farming movement in Santa Cruz. It includes interviews with Paul Lee, Phyllis Norris, Orin Martin, and Dennis Tamura, who were involved in the early years of the Garden. Maya Hagege, a former Farm and Garden apprentice and UCSC alumna, conducted the interviews, which were edited by Jarrell. Established in 1967 by master gardener Alan Chadwick, the original site was a neglected 4-acre plot...

  20. Liquidity of Czech and Slovak commercial banks

    Directory of Open Access Journals (Sweden)

    Pavla Vodová

    2012-01-01

    Full Text Available As liquidity problems of some banks during global financial crisis re-emphasized, liquidity is very important for functioning of financial markets and the banking sector. The aim of this paper is therefore to evaluate comprehensively the liquidity positions of Czech and Slovak commercial banks via different liquidity ratios in the period of 2001–2010 and to find out whether the strategy for liquidity management differs by the size of the bank. We used unconsolidated balance sheet data over the period from 2001 to 2010 which were obtained from annual reports of Czech and Slovak banks. The sample includes significant part of Czech and Slovak banking sector (not only by the number of banks, but also by their share on total banking assets. We have calculated five different liquidity ratios for each bank in the sample. The results showed that liquidity of Czech banks has declined during last ten years. On the contrary, liquidity of Slovak banks fluctuated only slightly during the period 2001–2008. Bank liquidity has fallen due to the financial crisis in both countries; the impact is worse for Slovak banks. Both Czech and Slovak banks have become less liquid also as a result of increase in lending activity. Czech and Slovak banks have the same strategies how to insure against liquidity crises: big banks rely on the interbank market or on a liquidity assistance of the Lender of Last Resort, small and medium sized banks hold buffer of liquid assets.