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.

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

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).

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...

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.

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.

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

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.

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.

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.

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."

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....

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

Rb-Sr whole-rock and mineral ages, K-Ar, 40Ar/39Ar, and U-Pb mineral ages, and strontium, lead, neodymium, and oxygen isotopic compositions for granitic rocks from the Salinian Composite Terrane, California:

Science.gov (United States)

Kistler, R.W.; Champion, D.E.

2001-01-01

This report summarizes new and published age and isotopic data for whole-rocks and minerals from granitic rocks in the Salinian composite terrane, California. Rubidium-strontium whole-rock ages of plutons are in two groups, Early Cretaceous (122 to 100 Ma) and Late Cretaceous (95 to 82 Ma). Early Cretaceous plutons occur in all granitic rock exposures from Bodega Head in the north to those from the Santa Lucia and Gabilan Ranges in the central part of the terrane. Late Cretaceous plutons have been identified in the Point Reyes Peninsula, the Santa Lucia and the Gabilan Ranges, and in the La Panza Range in the southern part of the terrane. Ranges of initial values of isotopic compositions are 87Sr/86Sr, 0.7046-0.7147, δ18O, +8.5 to +12.5 per mil, 206Pb/204Pb, 18.901-19.860, 207Pb/204Pb, 15.618-15.814, 208Pb/204Pb, 38.569- 39.493, and εNd, +0.9 to -8.6. The initial 87Sr/86Sr=0.706 isopleth is identified in the northern Gabilan Range and in the Ben Lomond area of the Santa Cruz Mountains, in Montara Mountain, in Bodega Head, and to the west of the Farallon Islands on the Cordell Bank. This isotopic boundary is offset about 95 miles (160km) by right-lateral displacements along the San Gregorio-Hosgri and San Andreas fault systems.

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.

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…

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

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

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.

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…

Sky Brightness During Eclipses: A Compendium from the Literature

Science.gov (United States)

1974-08-05

Star Sightings 1880A 11 Jan 1880 Santa- Lucia Jupiter -3 Mars .3 No stars 1882A 17 May 1882 Sohag, Egypt Stars shone brightly 1883A 6 M.»y 1883...1870 E 1880 A 1886 BA 1887 F 1889 A2 1900 EB 1914 A 1927 B Location London Venice Bue Island Gottenbui g Vumpurthy Seville Santa- Lucia ...manner, and at the peak of day the stars ap- peared brightly. (Tatti Annali sacri della citta di Como.) 5 MAY 840 840 DB Ginzel p. 668 Italy In

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

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

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

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...

Latin America Report.

Science.gov (United States)

1986-10-27

29 Sep 86) 94 Briefs Itapuans Claim Homes Destroyed 96 d - ST LUCIA Prime Minister Compton Scores IMF, World Bank Policies (THE DAILY GLEANER...DEFEATING DICTATORSHIP PEACEFULLY PM011316 Rome AVANTI! in Italian 28-29 Sep 86 p 12 (AVANTI! DELLA DOMENICA supplement) [Chilean Socialist Party Secretary...1986 ST LUCIA CASTRIES, Sept 2.4,. CAN A . St Lucia’s Prime Minister John Compton .today criticised the World Bank and the International Monetary

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.

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.

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

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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.

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...

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

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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

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

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. 

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 ...

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

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

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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.

Barcelona - Talent Latent 09 / Ahto Sooaru

Index Scriptorium Estoniae

Sooaru, Ahto

2010-01-01

Fotonäitusest "Talent Latent 09" Barcelonas Arts Santa Monica kunstikeskuses. Loetletud näitusel eksponeeritud fotode autorid. Pikemalt Rafael Milach'i (sünd. 1978), Lucia Ganieva, Javier Marquerie Thomas'i (sünd. 1986), Amaury da Cunha (sünd. 1976) töödest. Lühidalt ka teistest näitustest Arts Santa Monica kunstikeskuses

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.

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.

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

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…

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.

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

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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.

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.

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

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...

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…

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.

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.

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.

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.

Crustal structure of norther Oaxaca terrane; The Oaxaca and caltepec faults, and the Tehuacan Valley. A gravity study.

Science.gov (United States)

Campos-Enriquez, J. O.; Alatorre-Zamora, M. A.; Ramón, V. M.; Belmonte, S.

2014-12-01

Northern Oaxaca terrane, southern Mexico, is bound by the Caltepec and Oaxaca faults to the west and east, respectively. These faults juxtapose the Oaxaca terrane against the Mixteca and Juarez terranes, respectively. The Oaxaca Fault also forms the eastern boundary of the Cenozoic Tehuacan depression. Several gravity profiles across these faults and the Oaxaca terrane (including the Tehuacan Valley) enables us to establish the upper crustal structure of this region. Accordingly, the Oaxaca terrane is downward displaced to the east in two steps. First the Santa Lucia Fault puts into contact the granulitic basamental rocks with Phanerozoic volcanic and sedimentary rocks. Finally, the Gavilan Fault puts into contact the Oaxaca terrane basement (Oaxaca Complex) into contact with the volcano-sedimentary infill of the valley. This gravity study reveals that the Oaxaca Fault system gives rise to a series of east tilted basamental blocks (Oaxaca Complex?). A structural high at the western Tehuacan depression accomadates the east dipping faults (Santa Lucia and Gavilan faults) and the west dipping faults of the Oaxaca Fault System. To the west of this high structural we have the depper depocenters. The Oaxaca Complex, the Caltepec and Santa Lucia faults continue northwestwards beneath Phanerozoic rocks. The faults are regional tectonic structures. They seem to continue northwards below the Trans-Mexican Volcanic Belt. A major E-W to NE-SW discontinuity on the Oaxaca terrane is inferred to exist between profiles 1 and 2. The Tehuacan Valley posses a large groundwater potential.

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.

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

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.

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.

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.

Cretacic tectonics in Uruguay

International Nuclear Information System (INIS)

Gomez Rifas, C.

2012-01-01

This work is about Cretacic tectonics in Uruguay, this formation is characterized by high level cortex because the basament is cratonized since Middle Devonian. There were formed two main grabens such as Santa Lucia and Mirim-Pelotas which are filled with basalt and sediments.

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.

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

Time Frequency Analysis and Spatial Filtering in the Evaluation of Beta ERS After Finger Movement

Science.gov (United States)

2001-10-25

Italy. 5IRCCS Fondazione Santa Lucia , via Ardeatina 306, Roma, Italy Fig. 1 Scheme of the Wavelet Packet decomposition. The gray boxes represent...surface splines. J. Aircraft, 1972, 9: 189-191. [8]Maceri, B., Magnone, S., Bianchi, A., Cerutti, S. Studio della decomposizione wavelet dei segnali

"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.

Geology of permian basin in the northeast of Uruguay: Sedimentology exam about uranium trace[Study of Uranium geochemical prospection in Uruguay]; Geologia de la cuenca permica del nordeste del Uruguay: examen sedimentologico sobre los indicios de uranio

Energy Technology Data Exchange (ETDEWEB)

L' Homer, A; Manigault, B; Doyhernart, A; Rossi, P; Spoturno, J; De Santana, H; Vaz Chaves, N

1982-07-01

The Uranium project was prepared from BRGM to DINAMIGE. Its has got three zones of investigation: zone 1 composed by precambrian basin in the N W; zone 2 the precambrian insular shelf and rocks belts; zone 3 wich include parts of the basin Cretaceous in Salto and Santa Lucia.

Data Availability to Support a Standardized Military Geographical Information System Database.

Science.gov (United States)

1983-03-01

world. Camp Roberts, CA, is located on the edge of the GISs can be divided roughly into the manipulation Santa Lucia Mountains bordering the Salinas...ulsa 74102 Weterways Eoperiment Station 39180 Vicksburg 39180 FORSCOM ATlN: Library Walla della 99362 FORSCOM Engineer, ATN: AFEN-FE’dilmington 28401

Geology of permian basin in the northeast of Uruguay: Sedimentology exam about uranium trace

International Nuclear Information System (INIS)

L'Homer, A; Manigault, B; Doyhernart, A; Rossi, P; Spoturno, J; De Santana, H; Vaz Chaves, N.

1982-01-01

The Uranium project was prepared from BRGM to DINAMIGE. Its has got three zones of investigation: zone 1 composed by precambrian basin in the N W; zone 2 the precambrian insular shelf and rocks belts; zone 3 wich include parts of the basin Cretaceous in Salto and Santa Lucia

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

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.

U-Pb thermochronology of rutile from Alpine Corsica: constraints on the thermal evolution of the European margin during Jurassic continental breakup

Science.gov (United States)

Ewing, T. A.; Beltrando, M.; Müntener, O.

2017-12-01

U-Pb thermochronology of rutile can provide valuable temporal constraints on the exhumation history of the lower crust, given its moderate closure temperature and the occurrence of rutile in appropriate lithologies. We present an example from Alpine Corsica, in which we investigate the thermal evolution of the distal European margin during Jurassic continental rifting that culminated in the opening of the Alpine Tethys ocean. The Belli Piani unit of the Santa Lucia nappe (Corsica) experienced minimal Alpine overprint and bears a striking resemblance to the renowned Ivrea Zone lower crustal section (Italy). At its base, a 2-4 km thick gabbroic complex contains slivers of granulite facies metapelites that represent Permian lower crust. Zr-in-rutile temperatures and U-Pb ages were determined for rutile from three metapelitic slivers from throughout the Mafic Complex. High Zr-in-rutile temperatures of 850-950 °C corroborate textural evidence for rutile formation during Permian granulite facies metamorphism. Lower Zr-in-rutile temperatures of 750-800 °C in a few grains are partly associated with elongate strings of rutile within quartz ribbons, which record recrystallisation of some rutile during high-temperature shearing. Zr thermometry documents that both crystallisation and re-crystallisation of rutile occurred above the closure temperature of Pb in rutile, such that the U-Pb system can be expected to record cooling ages uncomplicated by re-crystallisation. Our new high-precision single-spot LA-ICPMS U-Pb dates are highly consistent between and within samples. The three samples gave ages from 160 ± 1 Ma to 161 ± 2 Ma, with no other age populations detected. The new data indicate that the Santa Lucia lower crust last cooled through 550-650 °C at 160 Ma, coeval with the first formation of oceanic crust in the Tethys. The new data are compared to previous depth profiling rutile U-Pb data for the Belli Piani unit1, and exploited to cast light on the tectonothermal

“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.

“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

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

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

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

Study of firedamp release in sub-level caving

Energy Technology Data Exchange (ETDEWEB)

Castano, F.S.; Sanz Delgado, M.A.; Iturriaga Trenor, S.; Alberdi Vinas, C.

1988-01-01

The field work developed in the pits of 'Hullera Vasco-Leonesa' in Santa Lucia (Leon) to control firedamp release is described. Conclusions obtained concerning gas emission, irregularity and firedamp balance in sub-level caving winning faces are discussed. Some definitions of basic concepts in firedamp studies are also included. 7 figs.

Investigating the landscape of Arroyo Seco—Decoding the past—A teaching guide to climate-controlled landscape evolution in a tectonically active region

Science.gov (United States)

Taylor, Emily M.; Sweetkind, Donald S.; Havens, Jeremy C.

2017-05-19

IntroductionArroyo Seco is a river that flows eastward out of the Santa Lucia Range in Monterey County, California. The Santa Lucia Range is considered part of the central California Coast Range. Arroyo Seco flows out of the Santa Lucia Range into the Salinas River valley, near the town of Greenfield, where it joins the Salinas River. The Salinas River flows north into Monterey Bay about 40 miles from where it merges with Arroyo Seco. In the mountain range, Arroyo Seco has cut or eroded a broad and deep valley. This valley preserves a geologic story in the landscape that is influenced by both fault-controlled mountain building (tectonics) and sea level fluctuations (regional climate).Broad flat surfaces called river terraces, once eroded by Arroyo Seco, can be observed along the modern drainage. In the valley, terraces are also preserved like climbing stairs up to 1,800 feet above Arroyo Seco today. These terraces mark where Arroyo Seco once flowed.The terraces were formed by the river because no matter how high they are, the terraces are covered by gravel deposits exactly like those that can be observed in the river today. The Santa Lucia Range, Arroyo Seco, and the Salinas River valley must have looked very different when the highest and oldest terraces were forming. The Santa Lucia Range may have been lower, the Arroyo Seco may have been steeper and wider, and the Salinas River valley may have been much smaller.Arroyo Seco, like all rivers, is always changing. Some-times rivers flow very straight, and sometimes they are curvy. Sometimes rivers are cutting down or eroding the landscape, and sometimes they are not eroding but depositing material. Sometimes rivers are neither eroding nor transporting material. The influences that change the behavior of Arroyo Seco are mountain uplift caused by fault moment and sea level changes driven by regional climate change. When a stream is affected by one or both of these influences, the stream accommodates the change by

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.

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.

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

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.

Macroeconomia do Turismo Argentino em Santa Catarina

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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

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...

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.

Santa Rosa de Lima: uma santa anoréxica na América Latina? Santa Rosa de Lima: ¿una santa anoréxica en Latinoamérica? Saint Rose of Lima: an anorexic saint in Latin America?

Directory of Open Access Journals (Sweden)

Cybelle Weinberg

2005-04-01

Full Text Available A literatura especializada tem nos mostrado que é grande a semelhança entre o comportamento alimentar das santas jejuadoras medievais e o das anoréxicas atuais. No entanto, há poucas referências sobre a existência de santas jejuadoras na América Latina. No presente trabalho, os autores salientam aspectos da vida de Santa Rosa de Lima, Patrona da América e Filipinas, que poderiam ser descritos como comportamentos anoréxicos. Comparando os aspectos psicopatológicos da vida de Santa Rosa com o comportamento das anoréxicas atuais, pareceu confirmar-se um padrão uniforme de comportamento, especialmente quanto ao aspecto imitativo, fator que poderia levar as jovens da atualidade a desenvolverem um transtorno alimentar após terem algum tipo de informação sobre o transtorno.La literatura especializada nos muestra gran similitud entre el comportamiento alimentar de las santas de la edad media que ayunaban y el de las anoréxicas de la actualidad. Hay pocas informaciones sobre santas que practicaban ayuno en Latinoamérica. En este artículo, los autores resaltan aspectos de la vida de santa Rosa de Lima, Patrona de América y Filipinas, que pueden ser considerados como comportamientos anoréxicos. Al comparar aspectos psicopatológicos de la vida de santa Rosa con el comportamiento de anoréxicas de la actualidad, parece que se confirma un modelo uniforme de comportamiento, especialmente respecto al aspecto de imitación, hecho que podría llevar a las jóvenes de hoy a desarrollar un trastorno de la alimentación luego de recibir informaciones sobre el tema.The specialized literature has shown us the great similarity between the eating habits of medieval fasting women saints and today's anorexic women. Nonetheless, there are few references to the existence of such fasting women saints in Latin America. The authors of this paper present some aspects of the life of Saint Rose of Lima, the patroness of the Americas and the Philippines, that

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.

Biological monitoring of the micro watershed - Canada del Dragon

International Nuclear Information System (INIS)

Fernandez, H.; Rossetti, K.; Caceres, T.; Palma, R.; Garcia, P.; De la Rosa, A.; Seoane, I.

2012-01-01

The working group under the Uruguay RCA L-5053 project is about La canada del Dragon (located in Santa Lucia basin - Uruguay) evaluation using benthic macro invertebrates. The main problems of the study area were the riverbanks expansion, the erosion and the pesticides impact on the native fish. The group implemented the water quality evaluation through the study of the invertebrates in the basin.

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…

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.

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.

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.

Isostatic gravity map of the Point Sur 30 x 60 quadrangle and adjacent areas, California

Science.gov (United States)

Watt, J.T.; Morin, R.L.; Langenheim, V.E.

2011-01-01

This isostatic residual gravity map is part of a regional effort to investigate the tectonics and water resources of the central Coast Range. This map serves as a basis for modeling the shape of basins and for determining the location and geometry of faults in the area. Local spatial variations in the Earth's gravity field (after removing variations caused by instrument drift, earth-tides, latitude, elevation, terrain, and deep crustal structure), as expressed by the isostatic anomaly, reflect the distribution of densities in the mid- to upper crust, which in turn can be related to rock type. Steep gradients in the isostatic gravity field often indicate lithologic or structural boundaries. Gravity highs reflect the Mesozoic granitic and Franciscan Complex basement rocks that comprise both the northwest-trending Santa Lucia and Gabilan Ranges, whereas gravity lows in Salinas Valley and the offshore basins reflect the thick accumulations of low-density alluvial and marine sediment. Gravity lows also occur where there are thick deposits of low-density Monterey Formation in the hills southeast of Arroyo Seco (>2 km, Marion, 1986). Within the map area, isostatic residual gravity values range from approximately -60 mGal offshore in the northern part of the Sur basin to approximately 22 mGal in the Santa Lucia Range.

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

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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.

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.

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.

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

Directory of Open Access Journals (Sweden)

Miranda Petronella VLAD

2012-11-01

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

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

OpenAIRE

IMOLA DRIGĂ

2014-01-01

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

12 CFR 619.9140 - Farm Credit bank(s).

Science.gov (United States)

2010-01-01

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

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.

Minimum number and best combinations of harvests to evaluate accessions of tomato plants from germplasm banks

Directory of Open Access Journals (Sweden)

Flávia Barbosa Abreu

2006-01-01

Full Text Available This study presents the minimum number and the best combination of tomato harvests needed to compare tomato accessions from germplasm banks. Number and weight of fruit in tomato plants are important as auxiliary traits in the evaluation of germplasm banks and should be studied simultaneously with other desirable characteristics such as pest and disease resistance, improved flavor and early production. Brazilian tomato breeding programs should consider not only the number of fruit but also fruit size because Brazilian consumers value fruit that are homogeneous, large and heavy. Our experiment was a randomized block design with three replicates of 32 tomato accessions from the Vegetable Germplasm Bank (Banco de Germoplasma de Hortaliças at the Federal University of Viçosa, Minas Gerais, Brazil plus two control cultivars (Debora Plus and Santa Clara. Nine harvests were evaluated for four production-related traits. The results indicate that six successive harvests are sufficient to compare tomato genotypes and germplasm bank accessions. Evaluation of genotypes according to the number of fruit requires analysis from the second to the seventh harvest. Evaluation of fruit weight by genotype requires analysis from the fourth to the ninth harvest. Evaluation of both number and weight of fruit require analysis from the second to the ninth harvest.

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

Relationship Banking in Labor Bank

OpenAIRE

三村, 聡

2012-01-01

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

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

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

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.

Study of dosimetry CT in Skull for pediatric patients

International Nuclear Information System (INIS)

Ramos Amores, D.; Serna Berna, A.; Mata Colodro, F.; Puchades Puchades, V.

2013-01-01

The dose that receiving the patients in CT studies is the highest that can be received in a study of Radiology. If patients are children and we do studies with the same parameters as adults, they will receive a higher dose of radiation. This work seeks to expose the result of a dosimetric study on CT for children aged 0-15, carried out at the Hospital General Universitario de Santa Lucia in Cartagena during the year 2012. (Author)

Study of dosimetry CT in Skull for pediatric patients; Estudio de dosimetria TC en craneo para pacientes pediatricos

Energy Technology Data Exchange (ETDEWEB)

Ramos Amores, D.; Serna Berna, A.; Mata Colodro, F.; Puchades Puchades, V.

2013-07-01

The dose that receiving the patients in CT studies is the highest that can be received in a study of Radiology. If patients are children and we do studies with the same parameters as adults, they will receive a higher dose of radiation. This work seeks to expose the result of a dosimetric study on CT for children aged 0-15, carried out at the Hospital General Universitario de Santa Lucia in Cartagena during the year 2012. (Author)

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

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...

Prevalencia de infeccion por HTLV-I/II en donantes de sangre de la provincia de Santa Fe, Argentina Prevalence of HTLV-I/II infection among blood donors in Santa Fe Province, Argentina

Directory of Open Access Journals (Sweden)

Roque O. Brun

2004-04-01

negative. Among these 10 confirmed sera, 2 (0.02% were HTLV, 3 (0.03% HTLV-I and 5 (0.05% HTLV-II. It should be highlighted that the presence of HTLV-I/II infection in blood donors in Santa Fe Province was demonstrated for the first time, with a prevalence greater than that reported for blood donors in non-endemic Argentine areas. Such findings confirm the need of corresponding systematic screening through regulatory blood bank norms in Santa Fe Province.

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.

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

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.

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

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.)

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...

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...

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.

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

"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

"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

Is shadow banking really banking?

OpenAIRE

Bryan J. Noeth; Rajdeep Sengupta

2011-01-01

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

BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

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Rahmatina A. Kasri

2017-08-01

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

Simulating Retail Banking for Banking Students

Science.gov (United States)

Supramaniam, Mahadevan; Shanmugam, Bala

2009-01-01

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

Evaluation of sand reserves in del Plata City

International Nuclear Information System (INIS)

Loureiro, J.

2014-01-01

The purpose of this study is to evaluate the reserve of sand in the zone of del Plata city and beyond. This area is located in the S E edge of the department of San Jose near the mouth of Santa Lucia river. In this zone was identified the mantle of potentially exploitable sand which are based on their particle size, composition and depth of the limits cape. There are two powerful capes of sand separated by clay and silt

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'.

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

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Anthony Lukmawijaya

2015-05-01

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

Denying Foreign Bank Entry: Implications For Bank Interest Margins

OpenAIRE

Ross Levine

2003-01-01

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

E-BANKING- MODERN BANKING SERVICES

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MIRANDA PETRONELLA VLAD

2009-05-01

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

Internet Banking integration within the banking system

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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.

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

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.

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

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 ...

Análisis morfológico y métrico de la dentición y metapodios del oso de Deninger (Ursus deningeri Von Reichenau de la Cueva Sta. Isabel de Ranero. Aminocronología (Valle de Carranza - Bizkaia - País Vasco

Directory of Open Access Journals (Sweden)

TORRES, T., NESTARES, T., COBO, R., ORTIZ, J.E., CANTERO, M.A., ORTIZ, J., VIDAL, R., PRIETO, J.O.

2001-01-01

Full Text Available Se realiza un análisis métrico y morfológico de la dentición y metapodios del material de Ursus deningeri excavado en la Cueva Santa Isabel en Ranero (Bizkaia. Los resultados obtenidos se comparan con los de otras poblaciones ibéricas de U. deningeri (La Lucia en Quintanilla, Cantabria ; Cueva Mayor (sima de los Huesos en Atapuerca, Burgos y Lezetxiki en Mondragón, Gipuzkoa y de Ursus speleaus (Eiros en Triacastela, Lugo ; La Lucía, La Pasada en Guriezo, Cantabria ; Lezetxiki, Arrikrutz en Oñati, Gipuzkoa ; Ekain en Deba, Gipuzkoa ; Troskaeta en Ataun, Gipuzkoa ; Coro Tracito, Tella-Sin, Huesca ; El Toll en Moia, Barcelona y el Reguerillo en Patones, Madrid. El análisis morfológico y métrico revela que las muestras de oso de Santa Isabel se agrupan bien con las de U. deningeri de La Lucia y de la Sima de los huesos, pero con caracteres ligeramente más evolucionados a los de esta última, existiendo una gran distancia métrica morfológica con las poblaciones de U. spelaeus. El análisis de la racemización del ácido del colágeno de la dentina de las poblaciones de oso de las cavernas de la Península Ibérica ha permitido establecer que los osos de la Cueva de Santa Isabel son sincrónimos, o tal vez, algo más antiguos que los de la Sima de los Huesos. La ligera discrepancia existente entre la bioestratigrafía deducida a partir de la morfología dental y la obtenida mediante análisis de la racemización del ácido aspártico, se podría explicar por diferencias en las condiciones tafonómicas del yacimiento y/o un inferior número de muestras para el yacimiento de Santa Isabel.

Impact of E-Banking on Traditional Banking Services

OpenAIRE

Vyas, Shilpan Dineshkumar

2012-01-01

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

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

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Aditya Wardhana

2015-09-01

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

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...

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

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…

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.

Role of Foreign Banks in Integration of Banking Industry

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Roman Šubić

2009-12-01

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

Analisis Perbandingan Bank Umum Konvensional Dan Bank Umum Syariah

OpenAIRE

Nuryati; Gendis Gumilar, Amethysa

2011-01-01

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

Noteworthy bird records at Lagoa Santa, southeastern Brazil Registros notáveis de aves em Lagoa Santa, sudeste do Brasil

OpenAIRE

Marcos Rodrigues

2008-01-01

Lagoa Santa, a small town in southeastern Brazil where naturalist Peter Lund lived, is regarded nowadays as an important historical site for the biological sciences. From 1847 to 1855, J.T. Reinhardt, hosted by Lund, collected 343 bird species. This material is an outstanding reference for many modern ornithological studies. The present paper reports the occurrence of some rare and threatened birds for the region of Lagoa Santa between 1998 and 2005. In this account I list the Rusty-margined ...

Surface runoff stimation for basins without discharge measured data in Corrientes, Argentina

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Vanesa Y. Bohn

2010-06-01

Full Text Available The oscillation of the water balance influence was evidenced on the superficial fluxes hydrologic regime. However, the correspondence between the precipitation and the volume was determined by the basin physic conditions and the rain properties. For this reason, the correlation analysis between both variables was utilized for its relation type establishment. The aim is to analyze the behaviour of some hydrological variables of the Santa Lucia river basin and to analyze the relation between the water excess and the flow. The Thornthwaite & Mather methodology was used. All the water balance of the Santa Lucía river basin indicated water excess in the soil. In some cases, the 600 mm annual were surpassed. Finally, the correlation between the precipitation values and the volume was found.

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...

Sediment Dynamics Affecting the Threatened Santa Ana Sucker in the Highly-modified Santa Ana River and Inset Channel, Southern California, USA

Science.gov (United States)

Minear, J. T.; Wright, S. A.

2015-12-01

In this study, we investigate the sediment dynamics of the low-flow channel of the Santa Ana River that is formed by wastewater discharges and contains some of the last remaining habitat of the Santa Ana Sucker (Catostomus santaanae). The Santa Ana River is a highly-modified river draining the San Bernardino Mountains and Inland Empire metropolitan area east of Los Angeles. Home to over 4 million people, the watershed provides habitat for the federally-threatened Santa Ana Sucker, which presently reside within the mainstem Santa Ana River in a reach supported by year-round constant discharges from water treatment plants. The nearly constant low-flow wastewater discharges and infrequent runoff events create a small, approximately 8 m wide, inset channel within the approximately 300 m wide mainstem channel that is typically dry except for large flood flows. The sediment dynamics within the inset channel are characterized by constantly evolving bed substrate and sediment transport rates, and occasional channel avulsions. The sediment dynamics have large influence on the Sucker, which rely on coarse-substrate (gravel and cobble) for their food production. In WY 2013 through the present, we investigated the sediment dynamics of the inset channel using repeat bathymetric and substrate surveys, bedload sampling, and discharge measurements. We found two distinct phases of the inset channel behavior: 1. 'Reset' flows, where sediment-laden mainstem discharges from upstream runoff events result in sand deposition in the inset channel or avulse the inset channel onto previously dry riverbed; and 2. 'Winnowing' flows, whereby the sand within the inset channel is removed by clear-water low flows from the wastewater treatment plant discharges. Thus, in contrast to many regulated rivers where high flows are required to flush fine sediments from the bed (for example, downstream from dams), in the Santa Ana River the low flows from wastewater treatment plants serve as the flushing

Regional Banks in the Russian Banking System

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Mikhail Vitalyevich Leonov

2015-06-01

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

Mobile banking: New trend in the contemporary banking sector

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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.

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.

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.

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)

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)

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

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

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

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.

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

OpenAIRE

Angel, Christania Graciella

2014-01-01

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

CUSTOMER SATISFACTION WITH INTERNET BANKING IN PUBLIC AND PRIVATE BANK

OpenAIRE

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

2017-01-01

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

Electronic Banking And Bank Performance In Nigeria

African Journals Online (AJOL)

2013-03-01

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

78 FR 47007 - National Environmental Policy Act; Santa Susana Field Laboratory

Science.gov (United States)

2013-08-02

... project Web site address listed below. http://www.nasa.gov/agency/nepa/news/SSFL.html . ADDRESSES...; Santa Susana Field Laboratory AGENCY: National Aeronautics and Space Administration (NASA). ACTION... Environmental Cleanup Activities for the NASA-administered portion of the Santa Susana Field Laboratory (SSFL...

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

Science.gov (United States)

2010-04-21

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

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

African Journals Online (AJOL)

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

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

Science.gov (United States)

2010-01-01

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

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

Science.gov (United States)

2010-08-13

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

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.

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-...

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.

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.

Banking contracts

OpenAIRE

Durčáková, Klára

2010-01-01

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

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

Directory of Open Access Journals (Sweden)

Buddi Wibowo

2016-08-01

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

75 FR 81846 - Expansion of the Santa Maria Valley Viticultural Area

Science.gov (United States)

2010-12-29

... decision. SUMMARY: This Treasury decision expands the Santa Maria Valley viticultural area in Santa Barbara... may purchase. DATES: Effective Date: January 28, 2011. FOR FURTHER INFORMATION CONTACT: Elisabeth C... origin of their wines to consumers and helps consumers to identify wines they may purchase. Establishment...

78 FR 55763 - National Environmental Policy Act; Santa Susana Field Laboratory

Science.gov (United States)

2013-09-11

... document format at http://www.nasa.gov/agency/nepa/news/SSFL.html . The Federal Register Notice of Intent...; Santa Susana Field Laboratory AGENCY: National Aeronautics and Space Administration (NASA). ACTION... Demolition and Environmental Cleanup Activities for the NASA-administered portion of the Santa Susana Field...

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....

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.

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

Science.gov (United States)

2010-02-02

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

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

Science.gov (United States)

2010-01-25

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

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

Science.gov (United States)

2010-03-02

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

Biochemical and physical correlates of DNA contamination in archaeological human bones and teeth excavated at Matera, Italy

DEFF Research Database (Denmark)

Gilbert, M. T. P.; Rudbeck, L.; Willerslev, E.

2005-01-01

sampled from the cemetery of Santa Lucia alle Malve, Matera, Italy. This site is of exceptional interest, because the samples have been assayed for IS measures of biochemical and physical preservation, and it is the only one identified in a study of more than 107 animal and 154 human bones from 43 sites......, both are difficult (if not impossible) to decontaminate. Furthermore, although assessed on bone samples, several of the specific biochemical and physical characteristics that describe overall sample preservation, levels of microbial attack and related increases in sample porosity directly correlate...

Illustrations

OpenAIRE

2015-01-01

1/ Atelier de Neri di Bici (attr.), Saint Yves rendant la justice, XVe siècle (Florence, Opera del Duomo) 2/ Le Sodoma,Saint Yves rendant la justice, 1507 (San Gimignano, fresque du Palais communal) 3/ Jacopo da Empoli, Saint Yves entre la veuve et l’orphelin, 1616 (Florence, galerie Pitti) 4/ Jacopo da Empoli, Saint Luc recommandant saint Yves à la Vierge, v. 1630 (Paris, Musée du Louvre) 5/ Giacomo Triga, La Vierge et les saints Yves, Gilles et Gimnesius, 1723 (Rome, église Santa Lucia ...

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.

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

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

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.

CITY OF SANTA FE V. KOMIS REVISITED: AN ANALYSIS OF THE ACTUAL IMPACTS OF CONSTRUCTION AND OPERATION OF THE SANTA FE BYPASS ON THE VALUE OF NEARBY REAL ESTATE

International Nuclear Information System (INIS)

Bentz, E. J. Jr.; Bentz, C. B.; O'Hora, T. D.; Baepler, D.

2003-01-01

The Santa Fe Bypass for transport of transuranic waste (TRU) to the Waste Isolation Pilot Plant (WIPP) near Carlsbad, New Mexico has been constructed and is operational (as of 2000). This paper presents a review of actual empirical data from the sales of real estate in the Santa Fe City/County area since the filing of the City of Santa Fe v. Komis lawsuit in 1988. The data analyzed covers the time period from 1989 through the last quarter of 2001

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...

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.

Measuring the Competitiveness of Islamic Banking in Indonesian Dual Banking System

Directory of Open Access Journals (Sweden)

Ir Ascarya

2008-08-01

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

ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA

Directory of Open Access Journals (Sweden)

Dwi Umardani

2017-05-01

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

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

Science.gov (United States)

2010-06-04

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

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.

GenBank

OpenAIRE

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

2002-01-01

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

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

Science.gov (United States)

2012-01-24

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

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

Science.gov (United States)

2010-01-01

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

The influence of bank employees on bank customer relationship management

Directory of Open Access Journals (Sweden)

C. Rootman

2007-12-01

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

BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

Directory of Open Access Journals (Sweden)

Dumitru-Cristian OANEA

2014-04-01

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

About Banking.

Science.gov (United States)

Pieslak, Raymond F.

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

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Georg

2015-01-01

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

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...

Caracterização do processo de rigor mortis em músculos de cordeiros da raça Santa Inês e F1 Santa Inês x Dorper Characterization of rigor mortis process of muscles lamb of Santa Inês breed and F1 Santa Inês x Dorper

Directory of Open Access Journals (Sweden)

Rafael dos Santos Costa

2011-01-01

Full Text Available O desenvolvimento do processo de rigor mortis nas carcaças dos animais de açougue influenciam diretamente a qualidade da carne. As características do processo de rigor mortis em carcaça de ovinos durante o processamento industrial para obtenção de carcaças resfriadas já foram estudadas em outros países e no Brasil em ovinos Santa Inês, mas ainda não estabelecidas em ovinos F1 Santa Inês x Dorper. Assim, objetivou-se neste trabalho caracterizar o processo de rigor mortis dos músculos Semitendinosus e Triceps brachii durante o resfriamento industrial e maciez da carne, em 10 carcaças ovinas. Foram escolhidos aleatoriamente 10 ovinos machos inteiros, sendo seis da raça Santa Inês e quatro F1 Santa Inês x Dorper, abatidos no Matadouro Frigorífico de Campos - Campos dos Goytacazes, Rio de Janeiro. Após a sangria, analisou-se temperatura, pH, comprimento de sarcômero em diferentes intervalos de tempo (4h; 6h; 8h; 10h; 12h; e 24h e força de cisalhamento ou maciez às 48h, do músculo Semitendinosus. Paralelamente, foi realizada a correlação entre a análise sensorial e a análise instrumental desse músculo. A temperatura da câmara fria variou de 12,2°C (4h a -0,5°C (24h e a temperatura média das carcaças foi de 26,80°C e -0,20°C, respectivamente. O pH médio inicial do músculo Semitendinosus foi de 6,62 e o final 5,64 enquanto no músculo T. brachii foi de 6,50 (4h e 5,68 (24h. A contração máxima do sarcômero do músculo Semitendinosus ocorreu na 12ªh(1,50mm após a sangria e no músculo Triceps brachii, no intervalo entre a 10ªh e 24ªh (1,53 a 1,57mm. No músculo Semitendinosus a força de cisalhamento ou maciez foi semelhante entre cordeiros da raça Santa Inês e F1 Santa Inês x Dorper, demonstrando que o grupo genético não influencia na maciez da carne. O painel sensorial confirmou os resultados obtidos na análise instrumental. Na correlação da análise instrumental (força de cisalhamento com a an

RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

Directory of Open Access Journals (Sweden)

Aji Damanuri

2016-02-01

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

Islamic banks and profitability: an empirical analysis of Indonesian banking

OpenAIRE

Jordan, Sarah

2013-01-01

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

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

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

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...

Ground-water quality in the Santa Rita, Buellton, and Los Olivos hydrologic subareas of the Santa Ynez River basin, Santa Barbara County, California

Science.gov (United States)

Hamlin, S.N.

1985-01-01

Groundwater quality in the upper Santa Ynez River Valley in Santa Barbara County has degraded due to both natural and anthropogenic causes. The semiarid climate and uneven distribution of rainfall has limited freshwater recharge and caused salt buildup in water supplies. Tertiary rocks supply mineralized water. Agricultural activities (irrigation return flow containing fertilizers and pesticides, cultivation, feedlot waste disposal) are a primary cause of water quality degradation. Urban development, which also causes water quality degradation (introduced contaminants, wastewater disposal, septic system discharge, and land fill disposal of waste), has imposed stricter requirements on water supply quality. A well network was designed to monitor changes in groundwater quality related to anthropogenic activities. Information from this network may aid in efficient management of the groundwater basins as public water supplies, centered around three basic goals. First is to increase freshwater recharge to the basins by conjunctive surface/groundwater use and surface-spreading techniques. Second is to optimize groundwater discharge by efficient timing and spacing of pumping. Third is to control and reduce sources of groundwater contamination by regulating wastewater quality and distribution and, preferably, by exporting wastewaters from the basin. (USGS)

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

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

OpenAIRE

Masami Imai; Peter Hull

2012-01-01

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

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

Directory of Open Access Journals (Sweden)

Markova O.M.

2017-04-01

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

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

Science.gov (United States)

2013-01-03

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

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

Science.gov (United States)

2012-10-05

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

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.

[Santa Claus is perceived as reliable and friendly: results of the Danish Christmas 2013 survey].

Science.gov (United States)

Amin, Faisal Mohammad; West, Anders Sode; Jørgensen, Carina Sleiborg; Simonsen, Sofie Amalie; Lindberg, Ulrich; Tranum-Jensen, Jørgen; Hougaard, Anders

2013-12-02

Several studies have indicated that the population in general perceives doctors as reliable. In the present study perceptions of reliability and kindness attributed to another socially significant archetype, Santa Claus, have been comparatively examined in relation to the doctor. In all, 52 randomly chosen participants were shown a film, where a narrator dressed either as Santa Claus or as a doctor tells an identical story. Structured interviews were then used to assess the subjects' perceptions of reliability and kindness in relation to the narrator's appearance. We found a strong inclination for Santa Claus being perceived as friendlier than the doctor (p = 0.053). However, there was no significant difference in the perception of reliability between Santa Claus and the doctor (p = 0.524). The positive associations attributed to Santa Claus probably cause that he is perceived friendlier than the doctor who may be associated with more serious and unpleasant memories of illness and suffering. Surprisingly, and despite him being an imaginary person, Santa Claus was assessed as being as reliable as the doctor.

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)

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

Science.gov (United States)

2012-08-22

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

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

Science.gov (United States)

2013-07-22

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

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

Science.gov (United States)

2013-06-28

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

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

Science.gov (United States)

2012-09-06

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

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

Science.gov (United States)

2013-06-12

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

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

Science.gov (United States)

2013-08-13

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

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

Science.gov (United States)

2012-11-15

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

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

Science.gov (United States)

2013-03-01

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

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

Science.gov (United States)

2012-09-19

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

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

Science.gov (United States)

2013-10-03

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

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

Science.gov (United States)

2012-01-27

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

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

Science.gov (United States)

2012-11-05

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

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

Science.gov (United States)

2013-07-12

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

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

Science.gov (United States)

2012-06-21

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

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

Science.gov (United States)

2013-08-21

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

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

Science.gov (United States)

2012-05-29

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

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

Science.gov (United States)

2012-02-16

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

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

Science.gov (United States)

2013-10-15

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

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

Science.gov (United States)

2013-04-29

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

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

Science.gov (United States)

2013-12-19

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

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

Science.gov (United States)

2012-10-04

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

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

Science.gov (United States)

2012-03-22

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

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

Science.gov (United States)

2013-08-29

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

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

Science.gov (United States)

2013-07-29

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

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

Science.gov (United States)

2012-12-07

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

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

Science.gov (United States)

2012-01-17

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

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

Science.gov (United States)

2012-10-23

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

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

Science.gov (United States)

2012-06-11

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

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

Science.gov (United States)

2012-09-20

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

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

Science.gov (United States)

2012-06-06

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

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

Science.gov (United States)

2012-07-26

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

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

Science.gov (United States)

2013-07-02

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

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

Science.gov (United States)

2013-04-26

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

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

Science.gov (United States)

2012-12-06

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

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

Science.gov (United States)

2013-01-02

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

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

Science.gov (United States)

2013-05-10

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

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

Science.gov (United States)

2012-10-16

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

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

Science.gov (United States)

2012-04-02

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

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

Science.gov (United States)

2013-12-17

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

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

Science.gov (United States)

2013-08-15

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

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

Science.gov (United States)

2013-01-16

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

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

Science.gov (United States)

2012-05-10

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

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

Science.gov (United States)

2012-07-02

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

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

Science.gov (United States)

2013-01-17

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

Cross-Border Banking

OpenAIRE

Jonathan Eaton

1994-01-01

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

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

Directory of Open Access Journals (Sweden)

Rudy Haryanto Rudy Haryanto

2012-07-01

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

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.

Recent recoveries of archaeological ceramics on Santa Isabel, central Solomon Islands

International Nuclear Information System (INIS)

Carter, M.J.; Roe, D.; Keopo, J.

2012-01-01

Recent field investigations on Santa Isabel in the Central Solomon Islands have revealed the presence of archaeological pottery in both terrestrial and intertidal contexts. Preliminary dating results and comparative stylistic analyses of sherds provide evidence to suggest an antiquity of ceramics in northwest Isabel spanning the late Holocene to the recent historic past. These research outcomes expand the known distribution of pottery within the Solomon Islands and provide new knowledge about the prehistory of Santa Isabel. Here we describe the Santa Isabel ceramics, and suggest several implications of the research for current settlement models of the Solomon Islands and for our understanding of the variability in the archaeological record of mid- to late-Holocene ceramic distribution throughout the region. (author). 24 refs., 7 figs.

Hydrologic and geochemical characterization of the Santa Rosa Plain watershed, Sonoma County, California

Science.gov (United States)

Nishikawa, Tracy

2013-01-01

The Santa Rosa Plain is home to approximately half of the population of Sonoma County, California, and faces growth in population and demand for water. Water managers are confronted with the challenge of meeting the increasing water demand with a combination of water sources, including local groundwater, whose future availability could be uncertain. To meet this challenge, water managers are seeking to acquire the knowledge and tools needed to understand the likely effects of future groundwater development in the Santa Rosa Plain and to identify efficient strategies for surface- and groundwater management that will ensure the long-term viability of the water supply. The U.S. Geological Survey, in cooperation with the Sonoma County Water Agency and other stakeholders in the area (cities of Cotati, Rohnert Park, Santa Rosa, and Sebastopol, town of Windsor, Cal-American Water Company, and the County of Sonoma), undertook this study to characterize the hydrology of the Santa Rosa Plain and to develop tools to better understand and manage the groundwater system. The objectives of the study are: (1) to develop an updated assessment of the hydrogeology and geochemistry of the Santa Rosa Plain; (2) to develop a fully coupled surface-water and groundwater-flow model for the Santa Rosa Plain watershed; and (3) to evaluate the potential hydrologic effects of alternative groundwater-management strategies for the basin. The purpose of this report is to describe the surface-water and groundwater hydrology, hydrogeology, and water-quality characteristics of the Santa Rosa Plain watershed and to develop a conceptual model of the hydrologic system in support of the first objective. The results from completing the second and third objectives will be described in a separate report.

Outsourcing central banking

DEFF Research Database (Denmark)

Khoury, Sarkis Joseph; Wihlborg, Clas

2005-01-01

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

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

Science.gov (United States)

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

2007-01-01

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

Caracterização da diversidade genética entre acessos crioulos de feijão (Phaseolus vulgaris L. coletados em Santa Catarina por marcadores RAPD Characterization of the genetic diversity of landraces of common bean (Phaseolus vulgaris L. collected in Santa Catarina State by RAPD markers

Directory of Open Access Journals (Sweden)

Márcio Fonseca de Carvalho

2008-09-01

Full Text Available O conhecimento da diversidade genética, por meio da dissimilaridade entre os genótipos, permite a organização, a amostragem e a utilização eficiente do germoplasma em programas de melhoramento genético. O objetivo deste trabalho foi estimar a dissimilaridade entre acessos crioulos de feijão coletados no Estado de Santa Catarina, integrantes do banco ativo de germoplasma de feijão da UDESC e de três cultivares comerciais ("Pérola", "SCS 202-Guará" e "BRS Valente", por meio de marcadores moleculares RAPD. Foram utilizados 21 iniciadores decâmeros que permitiram a visualização de 96 bandas, sendo que 41 (42,7% apresentaram polimorfismo entre os acessos estudados, resultando em bandas entre 650 e 2000pb. A dissimilaridade foi calculada utilizando-se o coeficiente de Sorensen-Dice e o agrupamento foi realizado pelo método UPGMA. Os acessos foram separados em dois grupos principais, com dissimilaridade relativamente alta, quando comparada com a dissimilaridade observada dentro de cada grupo. Os dois grupos formados indicam os centros de domesticação, Mesoamericano ou Andino, dos acessos analisados. A dissimilaridade entre as cultivares avaliadas ("SCS 202-Guará", "BRS Valente" e "Pérola" é baixa (0,15, se comparada com a dissimilaridade entre os demais acessos do banco de germoplasma (0,65. A menor dissimilaridade entre os acessos estudados (BAF63 e BAF04 foi de 0,02. A inexistência de acessos repetidos reforça a necessidade de novas coletas de germoplasma, o que resultará em um banco de germoplasma de feijão mais representativo da variabilidade genética remanescente em Santa Catarina.The knowledge of the genetic diversity through the divergence among the genotypes allows the organization of the germplasm, sampling and efficient utilization in breeding programs. The objective of this study was to analyze the dissimilarity among germplasm collected in Santa Catarina State, stored in UDESC germplasm active bank of common bean

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

Directory of Open Access Journals (Sweden)

Virimai Mugobo

2015-11-01

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

Contribution of Internet Banking toward Profitability of Banking in India

Directory of Open Access Journals (Sweden)

Majid Karimzadeh

2015-12-01

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

Bank Insolvency Procedures and Market Discipline in European Banking

OpenAIRE

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

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

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

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

Directory of Open Access Journals (Sweden)

Mohammad Nazim Uddin

2018-01-01

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

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

Directory of Open Access Journals (Sweden)

Florin Alexandru LUCA

2016-06-01

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

ANALISIS KOMPARASI KINERJA KEUANGAN; BANK DEVISA DAN BANK NON DEVISA

Directory of Open Access Journals (Sweden)

Nani Hartati

2017-11-01

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

GenBank

OpenAIRE

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

2006-01-01

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

Strategic positioning in banking industry: Evidence from banking industry

Directory of Open Access Journals (Sweden)

Hedieh Mashoof

2014-08-01

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

CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

Directory of Open Access Journals (Sweden)

Chian-Son Yu

2014-06-01

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

12 CFR 209.2 - Banks desiring to become member banks.

Science.gov (United States)

2010-01-01

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

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

OpenAIRE

Dr. S. Anthony Rahul Golden

2016-01-01

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

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

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Yaser Taufik Syamlan

2017-06-01

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

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

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Jeroen Klomp

2015-12-01

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

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

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Yen Sun

2011-11-01

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

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

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Muhammad Shakil AHMAD

2011-01-01

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

Flujos de nutrientes en un banco de ostras de la Ciénaga Grande de Santa Marta, Colombia

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Gómez López Diana Isabel

2000-12-01

Full Text Available Water flow through a plastic tunnel (1OL x 0.80W x 0.30H m was used to determine nutrient retention and release rates over two substrates (with and without oysters in a natural oyster bank at the northeastern end of the Cienaga Grande de Santa Marta. In general terms, nutrient fluxes are inversally related to the water flow. Values obtained over the substrate without oysters were higher than those observed over the substrate with oysters. Such differences can be explained by the low oyster density in the area and the great microbial activity and typical sediment diffusion processes in this estuarine ecosystem.Un flujo de agua a través de un túnel plástico (10 L x 0.80 W x 0.30H m fue utilizado para determinar las tasas de liberación-retención de amonio y fosfatos sobre dos tipos de sustratos (con y sin ostras en un banco de ostras en el sector nororiental de la Ciénaga Grande de Santa Marta. En general se observa que los flujos de amonio y fosfatos son inversamente proporcionales al caudal de agua, y que los valores obtenidos en el sustrato sin ostras son mayores comparados a los obtenidos en el sustrato con ostras. Estas diferencias entre los sustratos pueden haberse debido a la baja densidad de ostras en el área (7.5 ostras/ m2 y a la gran actividad microbiana y procesos de difusión de los sedimentos característicos de este ecosistema estuarino.

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

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Hassan Ghodrati

2014-06-01

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

Essays on banking

NARCIS (Netherlands)

Tumer-Alkan, G.

2008-01-01

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

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

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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

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

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ELENA SILVIA DINCULESCU

2010-01-01

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

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

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Pooja MALHOTRA

2009-11-01

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

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

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Selly Maulina

2016-12-01

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

E-Banking: Risk Management Practices of the Estonian Banks

OpenAIRE

Dmitri Sokolov

2007-01-01

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

La villa romana de Santa Lucía (Aguilafuente, Segovia : aproximación a su estudio treinta años después de su excavación

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Isaac Sastre de Diego

2001-01-01

Full Text Available La villa romana de Santa Lucía, en Aguilafuente (Segovia, ha cumplido treinta años de su excavación arqueológica. Durante este tiempo, el yacimiento ha sufrido las consecuencias de un grave deterioro medioambiental, provocando su mala conservación actual. Se trata de uno de los grandes latifundios bajoimperiales mésetenos que se desarrollaron sobre asentamientos rurales precedentes, explotando de forma intensa las actividades económicas de la zona, principalmente agrícola (cerealística y ganadera. Las características de su entorno físico la convierten en modelo práctico del tipo de villae con el que teorizaban los agrónomos clásicos. Pese a los valiosos trabajos de R. Lucas y Viñas, falta, sin embargo, un estudio en profundidad sobre este yacimiento que tuvo una interesante pervivencia en época visigoda. Próximamente, se desarroliará el estudio de ios materiales arqueológicos recogidos en las excavaciones de 1968-1972, que será realizado por J. E. Molina, encargado del Aula Arqueológica de Aguilafuente, y por mí mismo.The Román villa of Santa Lucia in Aguilafuente (Segovia, was been thirty years of its archaeological excavation. During this time, the deposit has undergone the consequences of a serious environmental deterioration that has caused Its badly present conservation. It's a matter of the great large states of the landing's Low empire that were developed on preceding rural establishments, operating of intense form the economic activities of the zone, mainly agricultural (of cereal an cattie activities. The characteristics of their physical surroundings turn it in a practical model of the type of villae with which the classic agronomists theorized. In spite of the valuable works of R. Lucas and Viñas, it lacks, nevertheless, a deep study on this deposit that had an interesting survival in Visigottiic times. Next the study of the archaeological materials gatliered in ttie excavations from 1968 to 1972 will be

Bank Ethics:An Empirical Investigation of the Banking in China

Institute of Scientific and Technical Information of China (English)

刘春红; 宋玮

2004-01-01

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

Pronóstico De Mesoescala De Un Evento De Noviembre De 2008 En Santa Catarina Mesoscale forescasting of an event of novenber 2008 in Santa Catharina

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Lia Martins Costa do Amaral

2012-12-01

Full Text Available La gran disponibilidad de vapor de agua en los niveles inferiores de la atmósfera, advectada sobre la costa de la provincia de Santa Catarina por el anticiclón semiestacionario del Océano Atlántico, favoreció períodos frecuentes de lluvia durante el mes de noviembre de 2008. La exploración del evento extremo ocurrido en Santa Catarina, que se caracterizó por un intenso bloqueo en niveles altos, se realizó con pronósticos de los modelos del mesoescala MM5 y WRF. Estos modelos fueron procesados con muy alta resolución espacial, abarcando toda la región afectada por el evento severo. La temperatura de la superficie del mar presentaba anomalías positivas de temperatura a lo largo de la costa de Santa Catarina, favoreciendo la transferencia de calor latente hacia la atmósfera, con su posterior advección hacia la zona continental. Los resultados obtenidos con los modelos son consistentes con las observaciones, aunque fuertemente dependientes de la resolución horizontal de los mismos.The large availability of water vapor at low levels of the atmosphere, advected into the coastal region of Santa Catharina State by the Atlantic Ocean semi-stationary anticyclone, provided the frequent and copious rainfall during the November, 2008. One of the most extreme event occurred in Santa Catharina coastal zone, when a quite strong blocking formed at high levels of the atmosphere is explored processing both, the MM5 and WRF mesoscale models. These models were processed with very high spatial resolution domains, covering the entire region affected by the severe event. The sea surface temperature field revealed that there was a large core on Atlantic waters with quite high temperatures along the coast of Santa Catharina, which enhanced the vertical integrated latent heat supply into the continental region by the winds. The models forecasting results showed consistent results with the observations, as well as an indication that coherences are directly

Dividend Payout Policy of Conventional Banking and Islamic Banking in Pakistan

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Farhan Ahmed

2018-01-01

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

Documentation of the Santa Clara Valley regional ground-water/surface-water flow model, Santa Clara Valley, California

Science.gov (United States)

Hanson, R.T.; Li, Zhen; Faunt, C.C.

2004-01-01

The Santa Clara Valley is a long, narrow trough extending about 35 miles southeast from the southern end of San Francisco Bay where the regional alluvial-aquifer system has been a major source of water. Intensive agricultural and urban development throughout the 20th century and related ground-water development resulted in ground-water-level declines of more than 200 feet and land subsidence of as much as 12.7 feet between the early 1900s and the mid-1960s. Since the 1960s, Santa Clara Valley Water District has imported surface water to meet growing demands and reduce dependence on ground-water supplies. This importation of water has resulted in a sustained recovery of the ground-water flow system. To help support effective management of the ground-water resources, a regional ground-water/surface-water flow model was developed. This model simulates the flow of ground water and surface water, changes in ground-water storage, and related effects such as land subsidence. A numerical ground-water/surface-water flow model of the Santa Clara Valley subbasin of the Santa Clara Valley was developed as part of a cooperative investigation with the Santa Clara Valley Water District. The model better defines the geohydrologic framework of the regional flow system and better delineates the supply and demand components that affect the inflows to and outflows from the regional ground-water flow system. Development of the model includes revisions to the previous ground-water flow model that upgraded the temporal and spatial discretization, added source-specific inflows and outflows, simulated additional flow features such as land subsidence and multi-aquifer wellbore flow, and extended the period of simulation through September 1999. The transient-state model was calibrated to historical surface-water and ground-water data for the period 197099 and to historical subsidence for the period 198399. The regional ground-water flow system consists of multiple aquifers that are grouped

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

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Dr. Irwan Ch

2017-06-01

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

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

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

Islas de Old Providence y Santa Catalina. Presente y futuro

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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.

Evolution of central banking? De Nederlandsche Bank 1814-1852

NARCIS (Netherlands)

Uittenbogaard, R.A.

2014-01-01

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

Bank Stability and Competition: Evidence from Albanian Banking Market

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Gerti SHIJAKU

2017-05-01

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

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

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Anamika Singh

2016-06-01

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

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

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Mansor H. Ibrahim

2017-02-01

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

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

OpenAIRE

Haryono, Carissa Amelia

2016-01-01

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

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

Science.gov (United States)

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

2012-01-01

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

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

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Nsiah K. Acheampong

2013-12-01

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

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

African Journals Online (AJOL)

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

Bank Control and the Number of Bank Relations of Japanese Firms

NARCIS (Netherlands)

Sterken, Elmer; Ogawa, Kazuo; Tokutsu, Ichiro

2005-01-01

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

Desastre y Memoria Material: La Inundacion 2003 de Santa Fe, Argentina

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Susann Baez Ullberg

2017-01-01

Full Text Available On April 29, 2003, a catastrophic flood occurred in the Argentina city of Santa Fe de la Vera Cruz. Soon, the disaster became a political issue, as they had made serious accusations against the authorities and decision makers regarding negligence, corruption and lack of disaster preparedness. A local protest movement emerged, claiming both the allocation of responsibilities and financial compensation for the losses suffered by the victims. This article analyses the role of material memory and oblivion on the post disaster scene, more specifically, how different social actors in Santa Fe used places and objects in the contentious making of a disaster memoryscape. The analysis is based on ethnography from transtemporal translocal and field research conducted in Santa Fe between 2004 and 2011, and applies anthropological and sociological theories of memory to analyse these processes. Resumen El 29 de abril de 2003, ocurrió la peor inundación catastrófica en la historia de la ciudad argentina de Santa Fe de la Vera Cruz. Al poco tiempo, el desastre se convirtió en una cuestión política, ya que se habían realizado graves acusaciones contra las autoridades y tomadores de decisiones con respecto a la negligencia, la corrupción y la falta de preparación para desastres. Surgió un movimiento de protesta demandando tanto la asignación de responsabilidades, como la compensación económica por las pérdidas sufridas por las víctimas. Este artículo analiza el papel de la memoria material y el olvido en el escenario del posdesastre, y más específicamente cómo los diferentes actores sociales en Santa Fe usaron los lugares y los objetos en una contienda por construir un memo-paisaje del desastre. El análisis se basa en etnografía de trabajo de campo translocal y transtemporal realizado en Santa Fe entre 2004 y 2011, y aplica las teorías antropológicas y sociológicas de la memoria a fines de analizar estos procesos.

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

Directory of Open Access Journals (Sweden)

Rossazana Ab-Rahim

2017-08-01

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

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

Directory of Open Access Journals (Sweden)

Shijaku Gerti

2017-09-01

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

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

Directory of Open Access Journals (Sweden)

Sarwar Uddin Ahmed

2014-11-01

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

BLC Bank - Lebanon : Leading in Banking on Women

OpenAIRE

International Finance Corporation

2016-01-01

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

Metagenomes from two microbial consortia associated with Santa Barbara seep oil.

Science.gov (United States)

Hawley, Erik R; Malfatti, Stephanie A; Pagani, Ioanna; Huntemann, Marcel; Chen, Amy; Foster, Brian; Copeland, Alexander; del Rio, Tijana Glavina; Pati, Amrita; Jansson, Janet R; Gilbert, Jack A; Tringe, Susannah Green; Lorenson, Thomas D; Hess, Matthias

2014-12-01

The metagenomes from two microbial consortia associated with natural oils seeping into the Pacific Ocean offshore the coast of Santa Barbara (California, USA) were determined to complement already existing metagenomes generated from microbial communities associated with hydrocarbons that pollute the marine ecosystem. This genomics resource article is the first of two publications reporting a total of four new metagenomes from oils that seep into the Santa Barbara Channel. Copyright © 2014 Elsevier B.V. All rights reserved.

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...

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.

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.

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.

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

OpenAIRE

Самородов, Б. В.

2014-01-01

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

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

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Sundas Rauf

2013-12-01

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

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

NARCIS (Netherlands)

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

2010-01-01

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

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.

Small finance banks: Challenges

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Jayadev M

2017-12-01

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

Estrutura de informação sobre comércio exterior em Santa Catarina

OpenAIRE

Lino, Sônia Regina Lamego

2001-01-01

Dissertação (mestrado) - Universidade Federal de Santa Catarina, Centro Sócio-Econômico O trabalho tem como objetivo geral estudar a estrutura de informação sobre comércio exterior em Santa Catarina e o uso dessa estrutura de informação pelos usuários das médias empresas do setor moveleiro catarinense que exportam para o MERCOSUL. Os objetivos específicos são: 1) identificar as instituições públicas e privadas que mantêm estrutura de informações sobre comércio exterior em Santa Catarina; 2...

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...

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

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

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...

Faunistic analyses of grasshoppers (Orthoptera, Acridoidea in a florest fragment near the Uruguay River, Chapecó, Santa Catarina, Brazil

Directory of Open Access Journals (Sweden)

Maria Kátia Matiotti da Costa

2005-11-01

Full Text Available The objective of the work was to describe the grasshopper community (Orthoptera and Acridoidea through the analysis of the fauna, in the Lajeado Monte Alegre region, on the bank of the Uruguay River, in the town of Chapecó, Santa Catarina. The collections were carried out on weekly basis, from October 2001 to September 2002, with the use of ground traps, buttnets, insect umbrellas and collections from leaves. The rates of abundance, frequency, constancy, dominance and diversity were measured. In total, 713 acridoids were collected, corresponding to 18 species, 17 genera, and 3 families. From the Acrididae family 13 species were sampled: Abracris flavolienata, Allotruxalis strigata, Amblytropidia sola, Amblytropidia sp., Cylindrotettix chacoensis, Dichroplus misionensis, Eurotettix lilloanus, Metaleptea brevicornis adspersa, Orphulella punctata, Parorphula graminea, Rhammatocerus brunneri, Ronderosia bergi and Schistocerca flavofasciata. From the Romaleidae family, 4 species: Staleochlora viridicata, Chromacris speciosa, Zoniopoda tarsata and Xyleus discoideus. From the Tridactylidae family, 2 unidentified nymphs were collected. The dominant species was A. strigata.

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

Directory of Open Access Journals (Sweden)

Rohmawati Kusumaningtias

2009-10-01

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

Framing a Bank

DEFF Research Database (Denmark)

Holmgreen, Lise-Lotte

2012-01-01

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

Calibration of Linked Hydrodynamic and Water Quality Model for Santa Margarita Lagoon

Science.gov (United States)

2016-07-01

was used to drive the transport and water quality kinetics for the simulation of 2007–2009. The sand berm, which controlled the opening/closure of...TECHNICAL REPORT 3015 July 2016 Calibration of Linked Hydrodynamic and Water Quality Model for Santa Margarita Lagoon Final Report Pei...Linked Hydrodynamic and Water Quality Model for Santa Margarita Lagoon Final Report Pei-Fang Wang Chuck Katz Ripan Barua SSC Pacific James

GenBank

OpenAIRE

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

2012-01-01

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

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

OpenAIRE

Prawitasari, Larasati; Hudrasyah, Herry

2012-01-01

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

Perlindungan Hukum Terhadap Nasabah Bank Pengguna Internet Banking Dari Ancaman Cybercrime

OpenAIRE

Astrini, Dwi Ayu

2015-01-01

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

ROMANIAN BANKS LIQUIDITY MANAGEMENT

Directory of Open Access Journals (Sweden)

BATRANCEA MARIA

2013-07-01

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

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

Directory of Open Access Journals (Sweden)

Jayati Sarkar

2018-02-01

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

Geomorphological evidences of Quaternary tectonic activities in the Santa Cruz river valley, Patagonia, Argentina

International Nuclear Information System (INIS)

Massabie, A.; Sanguinetti, A.; Nestiero, O.

2007-01-01

From Argentin lake, at west on Andean hills, to Puerto Santa Cruz on Atlantic coast, Santa Cruz river cross eastward Santa Cruz province over 250 km in Patagonia at southern Argentina. Present bed of the river has a meandering outline with first order meanders of great ratio bends and second order meanders of minor ratio bends. Principal wanderings are 45 to 55 km spaced from near Estancia La Julia or Rio Bote at west to Comandante Luis Piedrabuena at east. On river's bed middle sector these great curvatures are located at Estancia Condor Cliff and Estancia Rincon Grande. Regional and partial detailed studies allow to recognize structural control on river's bed sketch and valley s geomorphology that relates first order bends with reactivated principal faults. These faults fit well with parallel system of northwest strike of Austral Basin.On geological, geomorphologic and structural evidences recognized in Santa Cruz river, quaternary tectonic activity, related to Andean movements in southern Patagonian foreland, is postulated. (author)

Santa Teresa y sus cartas, historia de los sentimientos

Directory of Open Access Journals (Sweden)

Egido, Teófanes

2015-12-01

Full Text Available Historical reflection on a peculiar dimension of St. Teresa of Jesus: the expression of her feelings in her writings, particularly in her abundant letters. The article focuses on the sense of humor, the joyfulness, and the importance of laughter in St. Teresa language, and also on the feeling of endearment with her family, with her order, with fray Juan de la Cruz. Ample space is dedicated to the tenderness towards girls in her convents. St. Teresa of Jesus appears as transgressor of 16th century social behaviours.Reflexión histórica sobre una dimensión peculiar de santa Teresa de Jesús: la expresión de sus sentimientos en sus escritos, de forma más especial en sus cartas abundantes. El artículo se centra en el sentido del humor, de la alegría, en la importancia de la risa en el lenguaje de santa Teresa y en el sentimiento de ternura con su familia, con su orden, con fray Juan de la Cruz. Se dedica un espacio amplio a la ternura hacia las niñas en sus conventos. Aparece santa Teresa de Jesús como trasgresora de los comportamientos sociales del siglo XVI.

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

Directory of Open Access Journals (Sweden)

Alina Ligia Dumitrescu

2013-04-01

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

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.

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

Directory of Open Access Journals (Sweden)

Muhamad Abduh

2008-01-01

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

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

Directory of Open Access Journals (Sweden)

Gatot Nazir Ahmad

2014-04-01

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

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

OpenAIRE

Makosana, Musa

2014-01-01

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

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

Science.gov (United States)

2011-07-27

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

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

OpenAIRE

Okibo, Bichanga Walter; Wario, Ali Yattani

2014-01-01

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

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

CERN Document Server

Aste, Tomaso; Pelizzon, Loriana; Perony, Nicolas

2016-01-01

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

Pengaruh Pengumuman Likuidasi Bank Terhadap Minat Menarik Uang Dari Bank

OpenAIRE

Haribowo, Ignatius Novianto

2017-01-01

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

GenBank

OpenAIRE

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

2008-01-01

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

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.

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

OpenAIRE

TRI REJEKI, TALHA

2014-01-01

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

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

Directory of Open Access Journals (Sweden)

Teodora Barbu

2007-03-01

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

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.

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.

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.

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

OpenAIRE

Uddin, Md Akther

2015-01-01

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

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

Directory of Open Access Journals (Sweden)

Suleyman Degirmen

2015-08-01

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

Conservation efforts and possibilities for increased collaboration in the Santa Cruz River watershed

Science.gov (United States)

Claire A. Zugmeyer; Emily M. Brott

2013-01-01

Attendees of the annual Santa Cruz River Researchers’ Day meetings have identified a need to expand collaboration, partnership, and sharing of lessons learned across the watershed. To help guide this interest, Sonoran Institute organized a symposium on 2 May 2012 entitled “Santa Cruz River Conservation.” The symposium had simultaneous Spanish/English translation and...

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 ...

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

OpenAIRE

Alowd, Jehad; Wodie, Astede

2013-01-01

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

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

OpenAIRE

Nafis Alam; Ibrahim Hussien Musa Magboul; Murali Raman

2010-01-01

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

Shelf evolution along a transpressive transform margin, Santa Barbara Channel, California

Science.gov (United States)

Johnson, Samuel Y.; Hartwell, Stephen; Sorlien, Christopher C.; Dartnell, Peter; Ritchie, Andrew C.

2017-01-01

High-resolution bathymetric and seismic reflection data provide new insights for understanding the post–Last Glacial Maximum (LGM, ca. 21 ka) evolution of the ∼120-km-long Santa Barbara shelf, located within a transpressive segment of the transform continental margin of western North America. The goal is to determine how rising sea level, sediment supply, and tectonics combine to control shelf geomorphology and history. Morpho­logic, stratigraphic, and structural data highlight regional variability and support division of the shelf into three domains. (1) The eastern Santa Barbara shelf is south of and in the hanging wall of the blind south-dipping Oak Ridge fault. The broad gently dipping shelf has a convex-upward shape resulting from thick post-LGM sediment (mean = 24.7 m) derived from the Santa Clara River. (2) The ∼5–8-km-wide Ventura Basin obliquely crosses the shelf and forms an asymmetric trough with thick post-LGM sediment fill (mean = 30.4 m) derived from the Santa Clara and Ventura Rivers. The basin is between and in the footwalls of the Oak Ridge fault to the south and the blind north-dipping Pitas Point fault to the north. (3) The central and western Santa Barbara shelf is located north of and in the hanging wall of the North Channel–Pitas Point fault system. The concave-up shape of the shelf results from folding, marine erosion, and the relative lack of post-LGM sediment cover (mean = 3.8 m). Sediment is derived from small steep coastal watersheds and largely stored in the Gaviota bar and other nearshore mouth bars. Three distinct upper slope morphologies result from a mix of progradation and submarine landsliding.Ages and rates of deformation are derived from a local sea-level-rise model that incorporates an inferred LGM shoreline angle and the LGM wave-cut platform. Post-LGM slip rates on the offshore Oak Ridge fault are a mini­mum of 0.7 ± 0.1 mm/yr. Slip rates on the Pitas Point fault system are a minimum of 2.3 ± 0.3 mm

The Upper Santa Ynez River as Habitat for a Diverse Riparian Flora and Fauna

Science.gov (United States)

M. Violet Gray; James M. Greaves; Thomas E. Olson

1989-01-01

The upper Santa Ynez River, Santa Barbara County, provides habitats for a relatively large population of least Bell's vireos (Vireo bellii pusillus), as well as diverse riparian flora and fauna. Of particular interest is the richness of the species within particular guilds. Four species of vireos: least Bell's, warbling (Vireo...

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

Directory of Open Access Journals (Sweden)

Muchlis Yahya

2017-03-01

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

Banking in Africa

NARCIS (Netherlands)

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

2014-01-01

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

Banks on Notice

Institute of Scientific and Technical Information of China (English)

无

2009-01-01

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

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

Directory of Open Access Journals (Sweden)

Galina S. Panova

2016-01-01

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

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

Directory of Open Access Journals (Sweden)

Yusnaini -

2012-03-01

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

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

African Journals Online (AJOL)

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

Automática de la línea La Moza – Santa Clara; Automatic of the line la Moza – Santa Clara

Directory of Open Access Journals (Sweden)

Marta Elena Bravo de las Casas

2015-09-01

Full Text Available La línea de 110 kV Santa Clara – La Moza, ubicada en medio de la línea de enlace entre la hidroeléctrica Robustiano León (Hanabanilla y la subestación Santa Clara 110 kV, es de gran importancia teniendo en cuenta que de la misma se obtiene la derivación de donde se alimenta la Subestación de 110/13,8 kV Gran Panel de nuevo tipo. La misma cuenta con un mecanismo de reenganche trifásico el cual no realiza de forma exitosa sus funciones, lo que trae afectaciones y dificultades a la hora de restablecer el sistema. En este trabajo se analizan las condiciones de operación de la región, así como la problemática de las automáticas instaladas proponiendo soluciones con el objetivo de lograr una operación eficaz ante las averías, sin que la hidroeléctrica Hanabanilla se pierda del Sistema Eléctrico Nacional y que no se pierda el suministro de energía eléctrica a la subestación Gran Panel.The 110 kV line Santa Clara –La Moza, which is located in the middle of the line of link between the hydroelectric Robustiano León (Hanabanilla and the substation Santa Clara 110 kV, is of great importance considering that of the same one obtains the derivation where new type Gran Panel Substation 110/13,8 feeds.Ithas athree-phasereclosingmechanismwhichdoes not performhis dutiessuccessfully, which brings affectationsanddifficultythe moment of restoringthe system. In this work, the operating conditions of the region are discussed, as well as the problem of the automatics installed, and is proposing solutions in order to ensure effective operation before faults, without that the Hanabanilla hydroelectric loses the syncrhronism with the Electrical National System and supply the substation Gran Panelis not lost.

Energy Balance of the Santa Catarina State - Series 1980 -1996; Balanco energetico do Estado de Santa Catarina - Serie 1980-1996

Energy Technology Data Exchange (ETDEWEB)

NONE

1997-07-01

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.

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.

Nuclear fuel banks

International Nuclear Information System (INIS)

Anon.

2010-01-01

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

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

Directory of Open Access Journals (Sweden)

R. K. Uppal

2011-01-01

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

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

Directory of Open Access Journals (Sweden)

Lidiyawati Lidiyawati

2015-05-01

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

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

Science.gov (United States)

2013-06-07

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

What is shadow banking?

NARCIS (Netherlands)

Claessens, S.; Ratnovski, L.

2014-01-01

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

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)...

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

Directory of Open Access Journals (Sweden)

ALINA LIGIA DUMITRESCU

2014-11-01

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

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

Directory of Open Access Journals (Sweden)

Memdani Laila

2017-08-01

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

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

Science.gov (United States)

2010-01-01

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

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

NARCIS (Netherlands)

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

2009-01-01

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

GenBank

Data.gov (United States)

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

Pengaruh Kepemimpinan Situasional terhadap Semangat Kerja Perawat Rumah Sakit Santa Maria Pekanbaru

OpenAIRE

Sutrisna, Endang; Anggrenni, Dian Prapty

2015-01-01

This research aims to find the implications of leadership on keep spirit of nurses in Santa Maria Hospital Pekanbaru. Leadership as an independent variable (X) consist of leadership telling, selling, participating, and delegating. And keep spirit as the dependent variable (Y) cosist pf salary, incentive and allowance and improvement of welfare.The research used sample of the nurses in Santa Maria Pekanbaru. The number of this sample is 67 persons with slovin. This research is also used Strati...

HRGC-MS analysis of terpenoids from Maytenus ilicifolia and Maytenus aquifolium ("espinheira santa"

Directory of Open Access Journals (Sweden)

Cordeiro Paulo J. M.

1999-01-01

Full Text Available This work describes the identification of some of the minor chemical constituents of "espinheira santa" (Maytenus ilicifolia and Maytenus aquifolium, Celastraceae, a medicinal plant widely utilized in Brazil. By using high resolution gas chromatography coupled to mass spectrometry (HRGC-MS, it was possible to identify mainly triterpenoids and steroids in "espinheira santa", most of them reported for the first time in both Maytenus species.

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.

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.

Banking and Trading

NARCIS (Netherlands)

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

2016-01-01

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

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

Directory of Open Access Journals (Sweden)

Hooman Pourmohammad

2016-07-01

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

Are EU Banks Safe?

NARCIS (Netherlands)

R.J. Theissen (Roel)

2013-01-01

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

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)

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

OpenAIRE

Ade Sofyan Mulazid

2016-01-01

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

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

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Ihsan Isik

2016-04-01

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

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

Directory of Open Access Journals (Sweden)

Habbar Abderezak, Dr.

2014-06-01

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

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

Directory of Open Access Journals (Sweden)

Ali Rezaeian

2018-03-01

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

BANK GUARANTEES

OpenAIRE

Vasile NEME

2012-01-01

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

Adopting Internet Banking in Ghana

OpenAIRE

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

2013-01-01

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

Commercial Activity or Banking Competition?

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Rose-Marie Pușcaciu

2015-12-01

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

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

Science.gov (United States)

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

2018-06-01

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

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

OpenAIRE

Muhamed Saeed Baashar, Yahya Abd Elwahab

2010-01-01

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

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

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Iwan Setiawan

2016-12-01

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

The geological setting of Santa Monica and San Pedro Basins, California Continental Borderland

Science.gov (United States)

Gorsline, D. S.

The California Continental Borderland's present configuration dates from about 4 to 5 × 10 6 years before present (BP) and is the most recent of several configuration of the southern California margin that have evolved after the North America plate over-rode the East Pacific Rise about 30 × 10 6 years ago. The present morphology is a series of two to three northwest-southeast trending rows of depressions separated by banks and insular ridges. Two inner basins, Santa Monica and San Pedro, have been the site for the California Basin Study (CaBs), funded by the US Department of Energy. The Santa Monica and San Pedro Basins contain post-Miocene sediment thicknesses of about 2.5 and 1.5 km respectively. During the Holocene (past 10,000 years) about 10-12m have accumulated. The sediment entered the basin by one or a combination of processes including particle infall (mainly as bioaggregates) from surface waters, from nepheloid plumes (surface, mid-depth and near-bottom), from turbidity currents, mass movements, and to a very minor degree direct precipitation. In Santa Monica Basin, during the last century, particle infall nepheloid plume transport have been the most common processes. The former process has been dominant in thecentral basin at water depths from 900-945m, where characteristic silt-clay is found with a typical mean particle diameter of about 0.0006mm ( φ standard deviation = 2; φ skewness near zero). Kurtosis is typically 2 (platykurtic); these values indicate broad, near-log normal particle size distributions. The calcium carbonate content averages about 10% and organic carbon about 4%. Surficial sediment bulk densities are 1.1-1.2 and accumulation rates range from 16-30mg cm -2Yr 1 in this central fine deposit. Bottom water oxygen contents are at or below 0.1 ml 1 -1 so that bioturbation is inhibited, thus preserving the primary sedimentary stratification. There appear to be annual varves, but the laminae couplets are not simple wet-dry season pairs

Evolution in banking supervision

OpenAIRE

Edward J. Stevens

2000-01-01

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

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

OpenAIRE

Bongani Ngwenya; Khanyisa Malufu

2012-01-01

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

Essays on banking and regulation

NARCIS (Netherlands)

Todorov, R.I.

2013-01-01

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

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

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Evi Sistiyarini

2017-04-01

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

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

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Tram Nguyen

2018-01-01

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

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

Science.gov (United States)

2010-01-01

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

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

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Daru Setyo Rini

2018-01-01

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

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

Science.gov (United States)

2010-01-01

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

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

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Masnawati .

2016-04-01

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

History of a modern place: Clorindo Testa and the Santa Rosa Civic Center, La Pampa

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Cláudia Costa Cabral

2013-12-01

Full Text Available Santa Rosa, capital of the young province of La Pampa, was founded in 1892 at the end of the military campaigns that annihilated the indigenous people and ensured republican control over the Patagonia region. In 1955, the city held a design competition for the construction of its Civic Center. This was not a current infill operation intended to renew the core of the city, since it was not just a matter of raising a new facade along one of the four sides of the main square. The task implied designing, almost from scratch, a new part of city. Competitors were supposed to organize new buildings and public spaces within an area of nine hectares standing between the existing city and the surrounding pampas. Clorindo Testa won the competition by proposing that it be built as a piece of a modern city. Situated in the middle of Argentinean pampas, the Santa Rosa Civic Center has been less extensively discussed than other of Testa’s great contemporary works, such as the London Bank (1959 and the National Library (1962, both in Buenos Aires, even in the South American context. The Government Building, the Bus Station and the covered central space were built before 1963. Testa finished the Legislature Building in 1976, and even though in 2006 he was able to conclude the little Legislature Library, half of the Civic Center area still remains as open space. Nevertheless, as a living piece of the never-completed modern project installed in the far south, La Pampa’s case seems to pose relevant urban questions. This paper explores the case from two complementary perspectives. One focuses on the results of the first competition, recognizing an original contribution to the relationship between modernity, monument, and place. The second discusses the unfinished condition of the Civic Center as constitutive to modern tradition in the very modern sense of the city as a never-completed work.

Performance of 'Rocha' and 'Santa Maria' pears as affected by planting density

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Mateus da Silveira Pasa

2015-02-01

Full Text Available The objective of this work was to evaluate the performance of 'Rocha' and 'Santa Maria' pears at two planting densities. The experiment was carried out during the 2011/2012, 2012/2013, and 2013/2014 growing seasons, in one-year-old orchards (2011/2012 of 'Rocha' and 'Santa Maria' pears, trained in a central-leader system and planted in two densities (2,000 and 4,000 trees per hectare. The assessed parameters were: production per hectare, production per tree, yield efficiency, number of fruit per tree, average fruit weight, trunk diameter increment, fruit firmness, and soluble solid contents. The cumulative yield of 'Rocha' is greater at the higher planting density, whereas the yield efficiency of 'Santa Maria' increases at the lower planting density, as the trees get more mature. Trunk diameter of 'Rocha' also increases at the lower planting density. However, fruit quality parameters in both cultivars are little affected by planting density.

Professional literature production and information science education in Santa Catarina State, BrazilProdução de literatura profissional e educação em informação documentária no estado de Santa Catarina

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Francisca Rasche

1999-09-01

Full Text Available This is a analysis about the professional literature production at library and information science in Santa Catarina State, Brazil, from 1973 to 1990 and its insertion on the professional education curriculum of the undergraduated library and information science schools of the UFSC [Universidade Federal de Santa Catarina] and UDESC [Universidade do Estado de Santa Catarina], from 1973 to 1993. The tables and graphics present a low insertion of this literature on the curriculum.Análise de pesquisa acerca da produção de literatura por profissionais da informação documentária em Santa Catarina e de sua inserção nos programas e planos de ensino dos cursos de Biblioteconomia da Universidade Federal de Santa Catarina – UFSC – e Universidade do Estado de Santa Catarina – UDESC. Para a análise foram construídas duas bases de dados; a primeira refere-se à identificação da produção no período de 1973 a 1990 e a segunda refere-se à identificação da literatura citada nos programas e planos e ensino de Biblioteconomia das duas Universidades. Os resultados indicam baixa inserção da produção local, de 1973 a 1990, nos programas e planos de ensino ministrados de 1973 a 1993, apontando para um processo educacional reprodutivista e desestimulador da produção escrita.

Análise de distribuição de chuva para Santa Maria, RS Analysis of rainfall distribution for Santa Maria, RS, Brazil

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Joel C. da Silva

2007-02-01

Full Text Available O estudo em pauta teve como objetivo analisar a distribuição da quantidade diária de precipitação e do número de dias com chuva e determinar a variação da probabilidade de ocorrência de precipitação diária, durante os meses do ano, em Santa Maria, RS. Os dados de precipitação utilizados foram obtidos durante 36 anos de observação, na Estação Climatológica do 8º Distrito de Meteorologia, localizada na Universidade Federal de Santa Maria (29º 43' 23" de latitude Sul e 53º 43' 15" de longitude Oeste, altitude 95 m. Analisaram-se as seguintes funções de distribuição de probabilidade: gama, Weibull, normal, log-normal e exponencial. As funções que melhor descreveram a distribuição das probabilidades foram gama e Weibull. O maior número de dias com chuva ocorreu durante os meses de inverno porém o volume de precipitação é menor nesses dias, resultando em total mensal semelhante para todos os meses do ano.The objectives of this study were to analyze the distribution of total daily rainfall data and the number of rainy-days, and to determine the probability variation of daily precipitation during the months of the year in Santa Maria, Rio Grande do Sul State, Brazil. A 36-year rainfall database measured at the Climatological Station of 8th District of Meteorology, located in Santa Maria Federal University (29º 43' 23" S and 53º 43' 15" W were used in the study. The following probability distribution functions were tested: gamma, Weibull, normal, lognormal and exponential. The functions that best described the frequency distribution were gamma and Weibull. There were more number of rainy days in the winter, but with less amount of rainfall, resulting in similar monthly total precipitation for the twelve months of the year.

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

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

OpenAIRE

liu, luke

2012-01-01

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

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

Directory of Open Access Journals (Sweden)

Igor Tomičić

2012-12-01

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

Noteworthy bird records at Lagoa Santa, southeastern Brazil Registros notáveis de aves em Lagoa Santa, sudeste do Brasil

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Marcos Rodrigues

2008-03-01

Full Text Available Lagoa Santa, a small town in southeastern Brazil where naturalist Peter Lund lived, is regarded nowadays as an important historical site for the biological sciences. From 1847 to 1855, J.T. Reinhardt, hosted by Lund, collected 343 bird species. This material is an outstanding reference for many modern ornithological studies. The present paper reports the occurrence of some rare and threatened birds for the region of Lagoa Santa between 1998 and 2005. In this account I list the Rusty-margined Guan Penelope superciliaris Temminck, 1815; the Roseate Spoonbill Platalea ajaja Linnaeus, 1758; the Maguari Stork Ciconia maguari (Gmelin, 1789; the Wood Stork Mycteria americana Linnaeus, 1758; the Black Hawk-eagle Spizaetus tyrannus (Wied, 1820 and the Turquoise-fronted Parrot Amazona aestiva (Linnaeus, 1758. It is also reported the southernmost record for the Blue-and-yellow Macaw Ara ararauna (Linnaeus, 1758 and the range extension of the Crowned Slaty flycatcher Griseotyrannus aurantioatrocristatus (d'Orbigny and Lafresnaye, 1837. These data can be used as a baseline for studies of colonization and extinction.Lagoa Santa, cidade onde viveu Peter Lund é um dos sítios de maior importância histórica para as ciências biológicas. Durante os anos de 1847 e 1855, J.T. Reinhardt, a convite de Lund, coletou 343 espécies de aves que são hoje referência para vários estudos ornitológicos. O presente artigo relata a ocorrência de algumas aves raras e/ou ameaçadas para a região de Lagoa Santa, entre 1998 e 2005. A lista de espécies inclui a jacupemba Penelope superciliaris Temminck, 1815, o colhereiro Platalea ajaja Linnaeus, 1758, a maguari Ciconia maguari (Gmelin, 1789, a cabeça-seca Mycteria americana Linnaeus, 1758, o gavião-pega-macaco Spizaetus tyrannus (Wied, 1820; e o papagaio-verdadeiro Amazona aestiva (Linnaeus, 1758. Relata-se também a ocorrência mais meridional da arara-canindé Ara ararauna (Linnaeus, 1758, e a expansão da distribui

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

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Magdalena, RADULESCU

2014-11-01

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

Field-trip guide to the geology of the Lexington Reservoir and Loma Prieta areas in the Santa Cruz Mountains, Santa Clara and Santa Cruz counties, California

Science.gov (United States)

Stoffer, Philip W.; Messina, Paula

2002-01-01

This guide contains a road log and five stop descriptions for a field trip in the southern Santa Cruz Mountains. The trip officially begins at the boat dock parking area on Alma Bridge Road near the dam of Lexington Reservoir. Stop 1 involves a walk up the Limekiln Trail to examine a large landslide in serpentinite that frequently takes out the trail. Stop 2 is at Miller Point picnic area along the shore of the reservoir where exposures of massive, fractured graywacke sandstone are capped with terrace gravel deposits. Stop 3 is along Highland Way in the Santa Cruz Mountains where large landslides have occasionally force the closure of the road. Stop 4A-C are several closely spaced outcrop areas along Loma Prieta Avenue and Summit-Mt. Madonna Road in the Loma Prieta summit area. A walk to scenic vista points provide opportunity to discuss the evolution of regional landscape along the crest of the Sierra Azul. In addition, a variety of rock types are exposed in the Stop 4 area along a series of road cuts, including Cretaceous age conglomerate, turbidites (consisting of interbedded sandstone and shale), and fossiliferous mudstone. Stop 5 involves returning to the boat dock parking area to examine geology and the placement of the Lexington Dam in the Los Gatos Creek canyon.

40 CFR 91.205 - Banking.

Science.gov (United States)

2010-07-01

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

Greece and the Missing Banking Union

DEFF Research Database (Denmark)

N. Gordon, Jeffery; Ringe, Georg

2015-01-01

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

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.

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

African Journals Online (AJOL)

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

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

NARCIS (Netherlands)

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

2006-01-01

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

Potencial de cultivo da macroalga Kappaphycus alvarezii no litoral de Santa Catarina

OpenAIRE

Santos, Alex Alves dos

2014-01-01

Tese (doutorado) - Universidade Federal de Santa Catarina, Centro de Ciências Agrárias, Programa de Pós-Graduação em Aqüicultura, Florianópolis, 2014. Os cultivos da macroalga K. alvarezii em monocultivo ou integrados com moluscos (Crassostrea gigas e Perna perna) podem proporcionar benefícios ambientais e econômicos. Este trabalho avaliou o potencial de cultivo da macroalga Kappaphycus alvarezii no parque aquícola de Santa Catarina. O primeiro trabalho identificou a capacidade do parque e...

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

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Pison F. Irene

2014-06-01

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

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

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Tri Wahyuningsih

2016-09-01

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

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

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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.

da Região Oeste de Santa Catarina

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Valdir F. Denardin

2005-01-01

Full Text Available The agricultural activity developed in the western region of the state of Santa Catarina generates wealth on the one hand, but on the other it generates environmental degradation and consequently negative impacts for both humans and other forms of life. Considering this, the first objective of the article is to respond how it is possible to internalize the external factors generated by the agricultural sector. In this way two alternate theoretical models for internalization of the external costs are found in literature: Pareto Internalization and Institutional Internalization. The second objective, on the other hand, consists in identifying which type of internalization is best suited for the Western Santa Catarina region under a perspective which is aimed at sustainable development. To respond to this question it was necessary to discuss, theoretically, sustainable development, as well as weak and strong sustainability. Following this, the first option of internalization to be dealt with follows the perspective of a weak sustainability and the second of a strong sustainability.

BANKING SUPERVISION IN EUROPEAN UNION

OpenAIRE

Lavinia Mihaela GUȚU; Vasile ILIE

2013-01-01

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

Modern bank's credit risk

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Šabović Šerif

2015-01-01

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

NEA data bank

International Nuclear Information System (INIS)

1983-01-01

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

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

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Siti Aisjah

2015-09-01

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

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

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Sri Hastuti

2011-10-01

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