WorldWideScience

Sample records for seed bank strategy

  1. Host-parasite coevolution can promote the evolution of seed banking as a bet-hedging strategy.

    Science.gov (United States)

    Verin, Mélissa; Tellier, Aurélien

    2018-04-20

    Seed (egg) banking is a common bet-hedging strategy maximizing the fitness of organisms facing environmental unpredictability by the delayed emergence of offspring. Yet, this condition often requires fast and drastic stochastic shifts between good and bad years. We hypothesize that the host seed banking strategy can evolve in response to coevolution with parasites because the coevolutionary cycles promote a gradually changing environment over longer times than seed persistence. We study the evolution of host germination fraction as a quantitative trait using both pairwise competition and multiple mutant competition methods, while the germination locus can be genetically linked or unlinked with the host locus under coevolution. In a gene-for-gene model of coevolution, hosts evolve a seed bank strategy under unstable coevolutionary cycles promoted by moderate to high costs of resistance or strong disease severity. Moreover, when assuming genetic linkage between coevolving and germination loci, the resistant genotype always evolves seed banking in contrast to susceptible hosts. Under a matching-allele interaction, both hosts' genotypes exhibit the same seed banking strategy irrespective of the genetic linkage between loci. We suggest host-parasite coevolution as an additional hypothesis for the evolution of seed banking as a temporal bet-hedging strategy. © 2018 The Author(s). Evolution © 2018 The Society for the Study of Evolution.

  2. Improving Soil Seed Bank Management.

    Science.gov (United States)

    Haring, Steven C; Flessner, Michael L

    2018-05-08

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

  3. Microscale Insight into Microbial Seed Banks.

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    Locey, Kenneth J; Fisk, Melany C; Lennon, J T

    2016-01-01

    Microbial dormancy leads to the emergence of seed banks in environmental, engineered, and host-associated ecosystems. These seed banks act as reservoirs of diversity that allow microbes to persist under adverse conditions, including extreme limitation of resources. While microbial seed banks may be influenced by macroscale factors, such as the supply of resources, the importance of microscale encounters between organisms and resource particles is often overlooked. We hypothesized that dimensions of spatial, trophic, and resource complexity determine rates of encounter, which in turn, drive the abundance, productivity, and size of seed banks. We tested this using >10,000 stochastic individual based models (IBMs) that simulated energetic, physiological, and ecological processes across combinations of resource, spatial, and trophic complexity. These IBMs allowed realistic dynamics and the emergence of seed banks from ecological selection on random variation in species traits. Macroscale factors like the supply and concentration of resources had little effect on resource encounter rates. In contrast, encounter rates were strongly influenced by interactions between dispersal mode and spatial structure, and also by the recalcitrance of resources. In turn, encounter rates drove abundance, productivity, and seed bank dynamics. Time series revealed that energetically costly traits can lead to large seed banks and that recalcitrant resources can lead to greater stability through the formation of seed banks and the slow consumption of resources. Our findings suggest that microbial seed banks emerge from microscale dimensions of ecological complexity and their influence on resource limitation and energetic costs.

  4. Evolution with a seed bank: The population genetic consequences of microbial dormancy.

    Science.gov (United States)

    Shoemaker, William R; Lennon, Jay T

    2018-01-01

    Dormancy is a bet-hedging strategy that allows organisms to persist through conditions that are suboptimal for growth and reproduction by entering a reversible state of reduced metabolic activity. Dormancy allows a population to maintain a reservoir of genetic and phenotypic diversity (i.e., a seed bank) that can contribute to the long-term survival of a population. This strategy can be potentially adaptive and has long been of interest to ecologists and evolutionary biologists. However, comparatively little is known about how dormancy influences the fundamental evolutionary forces of genetic drift, mutation, selection, recombination, and gene flow. Here, we investigate how seed banks affect the processes underpinning evolution by reviewing existing theory, implementing novel simulations, and determining how and when dormancy can influence evolution as a population genetic process. We extend our analysis to examine how seed banks can alter macroevolutionary processes, including rates of speciation and extinction. Through the lens of population genetic theory, we can understand the extent that seed banks influence the evolutionary dynamics of microorganisms as well as other taxa.

  5. [Dynamics of seed rain of Tripterygium hypoglaucum and soil seed bank].

    Science.gov (United States)

    Zhang, Zhi-Wei; Wei, Yong-Sheng; Liu, Xiang; Su, Shu; Qu, Xian-You; Wang, Chang-Hua

    2017-11-01

    Tripterygium hypoglaucum is an endangered species in arid areas of Xiannvshan Chongqing, China. The dynamic characteristics of seed rain and soil seed bank of T. hypoglaucum were studied in this paper.Results showed that T. hypoglaucum years of mature seeds distribution number up to October; the seed rain occurred from the last ten-day of September to in the first ten-day of November and the peak of scattered seed rain concentrated in the October.The numbers of soil seed bank at 2-5 cm soil layer,mainly concentrated in the 1.5-3.5 m range. T. hypoglaucum seeds to the wind as a force for transmission, the transmission ability is strong, but in the process of natural reproduction, full mature seed rate is low, the soil seed bank seeds seed short-lived factors these were unfavorable for the natural reproduction of T. hypoglaucum population. Copyright© by the Chinese Pharmaceutical Association.

  6. Regenerative role of seed banks following an intense soil disturbance

    Science.gov (United States)

    Luzuriaga, Arantzazu L.; Escudero, Adrián; Olano, José Miguel; Loidi, Javier

    2005-02-01

    Our main aim was to determine the contribution of the seed bank to vegetation regeneration following a disturbance consisting in a deep ploughing and a thorough homogenisation of a perennial grassland. In the seed bank prior to disturbance, seed distribution through the vertical soil profile was evaluated to determine the initial seed species structure. Then, several characteristics of the shallow seed bank and the extant vegetation were evaluated prior and following field disturbance: seed species composition and abundance, and species composition of the aboveground vegetation. The contribution of seed rain versus seed bank was evaluated by means of the comparison of the vegetation developed in plots filled with sterilised soil (seed bank removal) and the vegetation developed in non-sterilised plots in the field. The distribution of seeds through the profile indicated a sharp decline in abundance with depth, and it was probably linked to propagule morphology, with small and rounded seeds proner to being buried deeper than larger seeds. In the grassland prior to disturbance, the aboveground vegetation and seed bank species composition showed very low similarity index, most likely because during the 5 years following field abandonment, sheep pressure had caused a faster change in aboveground vegetation species composition than in seed bank species composition. Ploughing and homogenisation of the grassland led to low seed abundance in the shallow soil layer caused by dilution of the seed bank. Regardless of impoverishment in seed abundance and species richness, comparison between sterilised and non-sterilised plots showed that the seed bank acted as an effective source of colonising species and determined the aboveground species composition. To summarise, this study outlines the importance of considering several characteristics of the seed bank, such as species composition and seed abundance, in the understanding of the function of seed bank and dynamics of the

  7. Maximizing the phylogenetic diversity of seed banks.

    Science.gov (United States)

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

    2015-04-01

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

  8. Grazing disturbance increases transient but decreases persistent soil seed bank.

    Science.gov (United States)

    Ma, Miaojun; Walck, Jeffrey L; Ma, Zhen; Wang, Lipei; Du, Guozhen

    2018-04-30

    Very few studies have examined whether the impacts of grazing disturbance on soil seed banks occur directly or indirectly through aboveground vegetation and soil properties. The potential role of the seed bank in alpine wetland restoration is also unknown. We used SEM (structural equation modeling) to explore the direct effect of grazing disturbance on the seed bank and the indirect effect through aboveground vegetation and soil properties. We also studied the role of the seed bank on the restoration potential in wetlands with various grazing intensities: low (fenced, winter grazed only), medium (seasonally grazed), and high (whole-year grazed). For the seed bank, species richness and density per plot showed no difference among grazing intensities for each depth (0-5, 5-10, 10-15 cm) and for the whole depth (0-15 cm) in spring and summer. There was no direct effect of grazing disturbance on seed bank richness and density both in spring and summer, and also no indirect effect on the seed bank through its direct effect on vegetation richness and abundance. Grazing disturbance indirectly increased spring seed bank density but decreased summer seed bank density through its direct effect (negative correlation) on soil moisture and total nitrogen and its indirect effect on vegetation abundance. Species composition of the vegetation changed with grazing regime, but that of the seed bank did not. An increased trend of similarity between the seed bank and aboveground vegetation with increased grazing disturbance was found in the shallow depth and in the whole depth only in spring. Although there was almost no change in seed bank size with grazing intensities, grazing disturbance increased the quantity of transient seeds but decreased persistent seeds. Persistent seeds stored in the soil could play a crucial role in vegetation regeneration and in restoration of degraded wetland ecosystems. The seed bank should be an integral part of alpine wetland restoration programs.

  9. ECOPHYSIOLOGICAL ANALYSIS OF GENIPA AMERICANA L. SEEDS IN AN INDUCED SOIL SEED BANK

    Directory of Open Access Journals (Sweden)

    Francesca Salla

    2016-03-01

    Full Text Available This work studied the behavior of G. americana L. (Rubiaceae seeds in an induced soil seed bank. This study was conducted in Lavras-MG in a seasonal semideciduous forest of the Federal University of Lavras. Seeds collected in the area were cleaned and analyzed (water content, viability and desiccation tolerance. Soil banks were installed in two distinct areas (top of hill and riparian forest located in the understory of the forest. Seeds were placed in nylon nets and covered with a thin litter layer that was previously removed for this purpose. Monthly assessment of germination, seedling emergence, seed and soil water content, and the characterization of the initial seedling growth was performed. It was observed that G. americana seeds forms a transitory seed bank, with maintenance of its viability until the fourth month after disposal in natural environment. In general, the seed bank located in the riparian forest area showed the best potential for seedling establishment in a natural environment, which supports the ecological behavior of this species.

  10. Fisher-Wright model with deterministic seed bank and selection.

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    Koopmann, Bendix; Müller, Johannes; Tellier, Aurélien; Živković, Daniel

    2017-04-01

    Seed banks are common characteristics to many plant species, which allow storage of genetic diversity in the soil as dormant seeds for various periods of time. We investigate an above-ground population following a Fisher-Wright model with selection coupled with a deterministic seed bank assuming the length of the seed bank is kept constant and the number of seeds is large. To assess the combined impact of seed banks and selection on genetic diversity, we derive a general diffusion model. The applied techniques outline a path of approximating a stochastic delay differential equation by an appropriately rescaled stochastic differential equation. We compute the equilibrium solution of the site-frequency spectrum and derive the times to fixation of an allele with and without selection. Finally, it is demonstrated that seed banks enhance the effect of selection onto the site-frequency spectrum while slowing down the time until the mutation-selection equilibrium is reached. Copyright © 2016 Elsevier Inc. All rights reserved.

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

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

    2011-05-01

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

  12. [Soil seed bank in Keerqin meadow grassland under grazing and harvesting].

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    Jiang, Deming; Li, Rongping; Liu, Zhimin; Yan, Qiaoling

    2004-10-01

    This study on the size and composition of seed bank and its relationship with vegetation showed in Keerqin meadow grassland, the density of soil seed bank was 6158 +/- 1647 grains x m(-2) under grazing and 8312 +/- 2540 grains m(-2) under harvesting. Under grazing, the seed bank was mainly composed of some dwarf and short-life annuals. The seeds of the annuals and biennials accounted for 81.66% of the seeds in seed bank. The four species with largest proportion of seed bank were Chloris virgata, Chenopodium glaucum, Digitaria cilliaris and Setaria viridis, and the proportions were 38.55%, 15.42%, 14.95%, and 9.83%, respectively. The density of perennials in soil seed bank was 1129 +/- 302 grains x m(-2). Under harvesting, the seeds of annuals and biennials accounted for 68.08% of the seed in seed bank, and the proportion of Setaria viridis was 52.7%. In the harvesting meadow grassland, the seed density of perennials was 2653 +/- 811 grains x m(-2). There was no significant correlation between the seed density in soil and the vegetation under grazing, but a significant correlation between the seed density in soil and the species abundance of vegetation under harvesting (r = 0.76, P < 0.01). The index of Shannon-Wiener and richness of grazing meadow grassland were 2.96 and 2.98, respectively, distinctly smaller than 3.10 and 5.09 of harvesting meadow, which showed that free grazing made the diversity of seed bank decrease easily.

  13. Why high seed densities within buried mesh bags may overestimate depletion rates of soil seed banks

    NARCIS (Netherlands)

    Mourik, van T.A.; Stomph, T.J.; Murdoch, A.J.

    2005-01-01

    1. Estimates of seed bank depletion rates are essential for modelling and management of plant populations. The seed bag burial method is often used to measure seed mortality in the soil. However, the density of seeds within seed bags is higher than densities in natural seed banks, which may elevate

  14. Ecological longevity of Polaskia chende (Cactaceae) seeds in the soil seed bank, seedling emergence and survival.

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    Ordoñez-Salanueva, C A; Orozco-Segovia, A; Canales-Martínez, M; Seal, C E; Pritchard, H W; Flores-Ortiz, C M

    2017-11-01

    Soil seed banks are essential elements of plant population dynamics, enabling species to maintain genetic variability, withstand periods of adversity and persist over time, including for cactus species. However knowledge of the soil seed bank in cacti is scanty. In this study, over a 5-year period we studied the seed bank dynamics, seedling emergence and nurse plant facilitation of Polaskia chende, an endemic columnar cactus of central Mexico. P. chende seeds were collected for a wild population in Puebla, Mexico. Freshly collected seeds were sown at 25 °C and 12-h photoperiod under white light, far-red light and darkness. The collected seeds were divided in two lots, the first was stored in the laboratory and the second was use to bury seeds in open areas and beneath a shrub canopy. Seeds were exhumed periodically over 5 years. At the same time seeds were sown in open areas and beneath shrub canopies; seedling emergence and survival were recorded over different periods of time for 5 years. The species forms long-term persistent soil seed banks. The timing of seedling emergence via germination in the field was regulated by interaction between light, temperature and soil moisture. Seeds entered secondary dormancy at specific times according to the expression of environmental factors, demonstrating irregular dormancy cycling. Seedling survival of P. chende was improved under Acacia constricta nurse plants. Finally, plant facilitation affected the soil seed bank dynamics as it promoted the formation of a soil seed bank, but not its persistence. © 2017 German Society for Plant Sciences and The Royal Botanical Society of the Netherlands.

  15. Does Ferocactus wislizeni (Cactaceae) have a between-year seed bank?

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    Bowers, Janice E.

    2000-01-01

    Field and laboratory experiments at Tumamoc Hill, Tucson, Arizona, U.S.A., demonstrated that Ferocactus wislizeni, a common perennial cactus in the northern Sonoran Desert, has a between-year seed bank. In laboratory studies, F. wislizeni seeds lost dormancy during storage at room temperature and had a light requirement for germination. Field experiments suggested that as much as 2% of the annual seed crop might escape post-dispersal predation even when unprotected; where suitable safe sites exist, a higher percentage might escape. Germination of seed recovered monthly from above- and below-ground components of an artificial seed bank showed that seeds can survive at least 18 months in and on the soil. Seed banks enable F. wislizeni to take advantage of favorable rains and temperatures throughout the growing season, thus increasing the number of opportunities for germination. Moreover, seed banks enable F. wislizeni to respond hugely when the climate seems especially favorable, thus producing the large cohorts necessary to compensate for high seedling mortality. (C) 2000 Academic Press.

  16. Grazing impact on desert plants and soil seed banks: Implications for seed-eating animals

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    Pol, Rodrigo G.; Sagario, M. Cecilia; Marone, Luis

    2014-02-01

    We assess whether the knowledge of livestock diet helps to link grazing effects with changes in plant cover and soil seed bank size, aiming at inferring the consequences of grazing on seed-eating animals. Specifically, we test whether continuous and heavy grazing reduce the cover, number of reproductive structures and seed reserves of the same grass species whose seeds are selected and preferred by granivorous animals in the central Monte desert, Argentina. Grass cover and the number of grass spikes usually diminished under grazing conditions in the two localities studied (Telteca and Ñacuñán), and soil seed bank was consistently reduced in all three years evaluated owing to a decline of perennial grass and forb seeds. In particular, the abundance of those seeds selected and preferred by birds and ants (in all cases grass species) declined 70-92% in Ñacuñán, and 52-72% in Telteca. Reduction of perennial grass cover and spike number in grazed sites reinforced the causal link between livestock grazing and the decline of grass soil seed reserves throughout failed plant reproduction. Grass seed bank depletion suggests that grazing may trigger a "cascade" of mechanisms that affect the abundance and persistence of valuable fodder species as well as the availability of seed resources for granivorous animals.

  17. Influence of maize herbicides on weed seed bank diversity in a ...

    African Journals Online (AJOL)

    Influence of maize herbicides on weed seed bank diversity in a humid forest ... at 2.0 +2.0kg ai ha-1 was more effective in reducing weed seeds (seed bank) than the ... pre-emergence weed control program in diverse arable cropping systems ...

  18. Soil seed bank in different habitats of the Eastern Desert of Egypt.

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    Gomaa, Nasr H

    2012-04-01

    The floristic composition and species diversity of the germinable soil seed bank were studied in three different habitats (desert salinized land, desert wadi, and reclaimed land) in the Eastern Desert of Egypt. Moreover, the degree of similarity between the seed bank and the above-ground vegetation was determined. The seed bank was studied in 40 stands representing the three habitats. Ten soil samples (each 25 × 20 cm and 5 cm depth) were randomly taken per stand. The seed bank was investigated by the seedling emergence method. Some 61 species belonging to 21 families and 54 genera were identified in the germinable seed bank. The recorded species include 43 annuals and 18 perennials. Ordination of stands by Detrended Correspondence Analysis (DCA) indicates that the stands of the three habitats are markedly distinguishable and show a clear pattern of segregation on the ordination planes. This indicates variations in the species composition among habitats. The results also demonstrate significant associations between the floristic composition of the seed bank and edaphic factors such as CaCO3, electrical conductivity, organic carbon and soil texture. The reclaimed land has the highest values of species richness, Shannon-index of diversity and the density of the germinable seed bank followed by the habitats of desert wadi and desert salinized land. Motyka's similarity index between the seed bank and the above-ground vegetation is significantly higher in reclaimed land (75.1%) compared to desert wadi (38.4%) and desert salinized land (36.5%).

  19. Soil seed bank evaluation and seedling establishment along a ...

    African Journals Online (AJOL)

    The effects of rangeland degradation on the size and species composition of the seed bank and seedling establishment in the field were quantified over a two year period (2000–2001 and 2001–2002 growing seasons). Soil seed bank sampling was carried out at three-monthly intervals from 0.25m2 blocks 50mm deep.

  20. How best to quantify soil seed banks in arid rangelands of the Nama Karoo?

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    Dreber, Niels

    2011-02-01

    Sampling design and three sample treatments prior the application of the seedling emergence method were tested in order to find the best method for seed bank quantification in arid Nama Karoo rangelands. I analyzed species composition and seed densities by contrasting undercanopy and open-matrix samples from two soil depths and by comparing the effects of cold-, heat-, and no stratification on germination rates of species in a greenhouse setting. The soil seed bank showed minimal similarity to the standing vegetation, with only 20 plant species germinated. Spatial distribution of seeds was highly heterogeneous. Nearly 90% of germinated seeds were located in 0- to 4-cm compared to >4- to 8-cm soil depth. Undercanopy seed banks contained significantly more species and seeds than open-matrix seed banks. Neither the number nor the diversity of seeds germinated differed significantly among the three treatments. Cold stratification tended to detect more species and seeds only at >4- to 8-cm soil depth. The results highlight the importance of spatial heterogeneity in the accurate evaluation of soil seed banks in the arid Nama Karoo and the importance of considering seasonal variability in the availability of readily germinable seeds. Data also suggest that sample pretreatment in germination trials may give little return for cost and effort, which emphasizes that it is more important to choose the sampling design most likely to give a representative number of seed bank species. Further studies are needed to analyze seed bank dynamics and species-specific germination requirements to promote recruitment of plant taxa underrepresented in the seed bank.

  1. Deer browsing delays succession by altering aboveground vegetation and belowground seed banks.

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    Antonio DiTommaso

    Full Text Available Soil seed bank composition is important to the recovery of natural and semi-natural areas from disturbance and serves as a safeguard against environmental catastrophe. White-tailed deer (Odocoileus virginianus populations have increased dramatically in eastern North America over the past century and can have strong impacts on aboveground vegetation, but their impacts on seed bank dynamics are less known. To document the long-term effects of deer browsing on plant successional dynamics, we studied the impacts of deer on both aboveground vegetation and seed bank composition in plant communities following agricultural abandonment. In 2005, we established six 15 × 15 m fenced enclosures and paired open plots in recently followed agricultural fields near Ithaca, NY, USA. In late October of each of six years (2005-2010, we collected soil from each plot and conducted seed germination cycles in a greenhouse to document seed bank composition. These data were compared to measurements of aboveground plant cover (2005-2008 and tree density (2005-2012. The impacts of deer browsing on aboveground vegetation were severe and immediate, resulting in significantly more bare soil, reduced plant biomass, reduced recruitment of woody species, and relatively fewer native species. These impacts persisted throughout the experiment. The impacts of browsing were even stronger on seed bank dynamics. Browsing resulted in significantly decreased overall species richness (but higher diversity, reduced seed bank abundance, relatively more short-lived species (annuals and biennials, and fewer native species. Both seed bank richness and the relative abundance of annuals/biennials were mirrored in the aboveground vegetation. Thus, deer browsing has long-term and potentially reinforcing impacts on secondary succession, slowing succession by selectively consuming native perennials and woody species and favoring the persistence of short-lived, introduced species that continually

  2. A Methodological Approach for Testing the Viability of Seeds Stored in Short-Term Seed Banks

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    Jose A. FORTE GIL

    2017-12-01

    Full Text Available Efficient management of ‘active’ seed banks – specifically aimed at the short-term storage at room temperature of seeds to be used locally in conservation/regeneration programmes of endemic or endangered plant species – requires establishing the optimal storage time to maintain high seed viability, for each stored species. In this work, germination of seeds of the halophytes Thalictrum maritimum, Centaurea dracunculifolia and Linum maritimum has been investigated. The seeds had been stored for different periods of time in the seed bank of ‘La Albufera’ Natural Park (Valencia, SE Spain after collection in salt marshes of the Park, where small populations of the three species are present. Seeds of T. maritimum and C. dracunculifolia have a relatively short period of viability at room temperature, and should not be stored for more than three years. On the other hand, L. maritimum seeds maintain a high germination percentage and can be kept at room temperature for up to 10 years. T. maritimum seeds, in contrast to those of the other two species, did not germinate in in vitro tests nor when sown directly on a standard substrate, unless a pre-treatment of the seeds was applied, mechanical scarification being the most effective. These results will help to improve the management of the seed bank, to generate more efficiently new plants for reintroduction and reinforcement of populations of these species in their natural ecosystems within the Natural Park.

  3. Soil seed-bank germination patterns in natural pastures under different mineral fertilizer treatments

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    Anna Iannucci

    2014-11-01

    Full Text Available Degraded native grasslands in Mediterranean areas can be improved by encouraging seedling regeneration from soil seed banks using chemical fertilization. The effect of mineral fertilizers on soil seed banks was studied in natural pastures at two locations in southern Italy: Carpino and Rignano Garganico. The aim was to determine if nitrogen (N, phosphorus (P and combined nitrogen and phosphorus (NP fertilization can promote increased soil seed density. The seed-bank size and composition were analysed over two growth cycles (2004-2006 at two periods of the year: at the early summer and at the early autumn. The plant species were classified into three functional groups: grasses, legumes and other species (all other dicots. A two-pool model (ephemeral and base pools derived from the germination patterns was developed to quantify the dynamics of the germinated seed populations. The mean total seed number in the seed bank ranged from 2,915 to 4,782 seed m-2 with higher values in early summer than in early autumn. Mineral fertilizer applications increased the seed-bank size (by 27%, 23% and 46%, for N, P and NP, respectively and modified the composition in both localities. The three plant functional groups showed different potentials for ephemeral and persistent seed-bank production; however, within each plant group, the proportion between the ephemeral and base pool fractions did not change with fertilizer application. These data show that mineral fertilization can have positive effects on the seed-bank size of ungrazed natural pastures, and can be used to improve degraded Mediterranean pastures.

  4. Effects of water level on three wetlands soil seed banks on the Tibetan Plateau.

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    Miaojun Ma

    Full Text Available BACKGROUND: Although the effect of water level on germination in soil seed banks has been documented in many ecosystems, the mechanism is not fully understood, and to date no empirical studies on this subject exist. Further, no work has been done on the effect of water level on seed banks of drying and saline-alkaline wetlands in alpine areas on the Tibetan Plateau. METHODOLOGY: We examined the effects of water level (0 cm, 5 cm and 10 cm on seed germination and seedling establishment from soil seed banks at 0-5 cm and 5-10 cm depths in typical, drying, and saline-alkaline wetlands. We also explore the potential role of soil seed bank in restoration of drying and saline-alkaline wetlands. PRINCIPAL FINDINGS: Species richness decreased with increase in water level, but there almost no change in seed density. A huge difference exists in species composition of the seed bank among different water levels in all three wetlands, especially between 0 cm and 5 cm and 0 cm and 10 cm. Similarity of species composition between seed bank and plant community was higher in 0 cm water level in drying wetland than in the other two wetlands. The similarity was much higher in 0 cm water level than in 5 cm and 10 cm water levels in all three wetlands. Species composition of the alpine wetland plant community changed significantly after drying and salinization, however, species composition of the seed bank was unchanged regardless of the environment change. CONCLUSIONS/SIGNIFICANCE: Water level greatly affects seed bank recruitment and plant community establishment. Further, different water levels in restored habitats are likely to determine its species composition of the plant community. The seed bank is important in restoration of degraded wetlands. Successful restoration of drying and salinization wetlands could depend on the seed bank.

  5. Seed dormancy and persistent sediment seed banks of ephemeral freshwater rock pools in the Australian monsoon tropics.

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    Cross, Adam T; Turner, Shane R; Renton, Michael; Baskin, Jerry M; Dixon, Kingsley W; Merritt, David J

    2015-04-01

    Rock pools are small, geologically stable freshwater ecosystems that are both hydrologically and biologically isolated. They harbour high levels of plant endemism and experience environmental unpredictability driven by the presence of water over variable temporal scales. This study examined the hypothesis that the sediment seed bank in monsoon tropical freshwater rock pools would persist through one or more periods of desiccation, with seed dormancy regulating germination timing in response to rock pool inundation and drying events. Seeds were collected from seven dominant rock pool species, and germination biology and seed dormancy were assessed under laboratory conditions in response to light, temperature and germination stimulators (gibberellic acid, karrikinolide and ethylene). Field surveys of seedling emergence from freshwater rock pools in the Kimberley region of Western Australia were undertaken, and sediment samples were collected from 41 vegetated rock pools. Seedling emergence and seed bank persistence in response to multiple wetting and drying cycles were determined. The sediment seed bank of individual rock pools was large (13 824 ± 307 to 218 320 ± 42 412 seeds m(-2) for the five species investigated) and spatially variable. Seedling density for these same species in the field ranged from 13 696 to 87 232 seedlings m(-2). Seeds of rock pool taxa were physiologically dormant, with germination promoted by after-ripening and exposure to ethylene or karrikinolide. Patterns of seedling emergence varied between species and were finely tuned to seasonal temperature and moisture conditions, with the proportions of emergent seedlings differing between species through multiple inundation events. A viable seed bank persisted after ten consecutive laboratory inundation events, and seeds retained viability in dry sediments for at least 3 years. The persistent seed bank in freshwater rock pools is likely to provide resilience to plant

  6. Comparison of germination and seed bank dynamics of dimorphic seeds of the cold desert halophyte Suaeda corniculata subsp. mongolica

    Science.gov (United States)

    Cao, Dechang; Baskin, Carol C.; Baskin, Jerry M.; Yang, Fan; Huang, Zhenying

    2012-01-01

    Background and Aims Differences in dormancy and germination requirements have been documented in heteromorphic seeds of many species, but it is unknown how this difference contributes to maintenance and regeneration of populations. The primary aim of this study was to compare the seed bank dynamics, including dormancy cycling, of the two seed morphs (black and brown) of the cold desert halophyte Suaeda corniculata and, if differences were found, to determine their influence on regeneration of the species. Method Seeds of the two seed morphs were buried, exhumed and tested monthly for 24 months over a range of temperatures and salinities, and germination recovery and viability were determined after exposure to salinity and water stress. Seedling emergence and dynamics of the soil seed bank were also investigated for the two morphs. Key Results Black seeds had an annual dormancy/non-dormancy cycle, while brown seeds, which were non-dormant at maturity, remained non-dormant. Black seeds also exhibited an annual cycle in sensitivity of germination to salinity. Seedlings derived from black seeds emerged in July and August and those from brown seeds in May. Seedlings were recruited from 2·6 % of the black seeds and from 2·8 % of the brown seeds in the soil, and only 0·5 % and 0·4 % of the total number of black and brown seeds in the soil, respectively, gave rise to seedlings that survived to produce seeds. Salinity and water stress induced dormancy in black seeds and decreased viability of brown seeds. Brown seeds formed only a transient soil seed bank and black seeds a persistent seed bank. Conclusions The presence of a dormancy cycle in black but not in brown seeds of S. corniculata and differences in germination requirements of the two morphs cause them to differ in their germination dynamics. The study contributes to our limited knowledge of dormancy cycling and seed bank formation in species producing heteromorphic seeds. PMID:22975287

  7. Soil seed-bank composition reveals the land-use history of calcareous grasslands

    Science.gov (United States)

    Karlík, Petr; Poschlod, Peter

    2014-07-01

    We compared soil seed banks and vegetation of recent (established on abandoned arable fields) and ancient (continuously managed as pastures at least since 1830) calcareous grasslands if there is any impact of former arable field use. The study was carried out in two regions of Southern Germany with well-preserved dry grassland vegetation: the western Jurassic mountains (Kaltes Feld) and the climatically drier eastern part of Southern Germany (Kallmünz). Total number of species in the seed bank was similar in both regions, but species composition partly differed, reflecting phytogeographical differences between the regions. The total number of emerged seedlings showed a large disparity (5457 compared to 2523 seedlings/m2 in Kaltes Feld and Kallmünz, respectively). Though there were differences in seed bank composition and size, we found a uniform pattern of plant traits (affiliation to phytosociological groups, Raunkiaer plant life-forms and seed longevity), which depended on the age of the grassland. The main conclusion is that seed banks in contemporary calcareous grasslands still reflect the history of former land use - in this case arable cultivation, even though it occurred a long time ago (up to 150 years). Indicators of former arable fields are germinable seeds of weeds which have persisted in the soil to the present. By contrast, weedy species are completely absent from the seed banks of ancient grasslands. Soil seed banks of recent grasslands may be of substantial conservation importance because they may store seeds of rare and endangered weed species such as Kickxia spuria, Silene noctiflora and Stachys annua, the majority of which have already gone extinct from the current vegetation of the study sites.

  8. Bancos de semillas en el suelo Soil seed banks

    Directory of Open Access Journals (Sweden)

    M. De Souza Maia

    2006-06-01

    Full Text Available En las comunidades vegetales, el banco de semillas en el suelo (BSS constituye el potencial regenerativo. La reposición de los individuos a partir del BSS puede tener un efecto marcado en la composición y en los patrones de vegetación de la comunidad. Numerosas investigaciones se han llevado a cabo en bancos de semillas en hábitats agrícolas o en comunidades naturales. Esta revisión tiene como objetivo analizar los conceptos relacionados a BSS, los procesos de formación de éstos, las implicancias agrícolas y cómo esta información puede ser usada para la conservación de los sistemas productivos.In plant communities, the soil seed bank (SSB represents their regenerative potential. The replacement of individuals from the seed bank may have profound effects on the composition and patterns of the vegetation within the community. Many investigations about seed banks have been made within agricultural habitats or in natural communities. The attempt of this review about the seed banks in the soil is to analyze the concepts related to SSBs, their formation, the agricultural implications and how this information might be used for the conservation of the productive systems.

  9. Adventitious presence of other varieties in oilseed rape (¤Brassica napus¤) from seed banks and certified seed

    DEFF Research Database (Denmark)

    Jørgensen, T.; Hauser, Thure Pavlo; Bagger Jørgensen, Rikke

    2007-01-01

    To obtain information on possible sources of contamination of the seed harvest of oilseed rape (Brassica napus L., spp. napus) by other varieties (adventitious presence), we investigated the purity of certified seed lots; the abundance and origin of volunteers; and longevity and origin of seeds...... in the soil seed-bank. This information was acquired through DNA analysis of volunteers collected in the field and seedlings derived from the soil seed-bank. DNA profiles of the volunteers and seedlings were obtained using Inter Simple Sequence Repeat (ISSR) markers, and the profiles were compared with ISSR...... profiles from an assortment of 14 of the most commonly cultivated oilseed rape varieties from 1985 to 2004. This comparison was performed using the assignment program, AFLPOP. The age of the seed bank germinating to become volunteers was assumed from information on previously cultivated oilseed rape...

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

    Institute of Scientific and Technical Information of China (English)

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

    2013-01-01

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

  11. Soil seed banks along elevational gradients in tropical, subtropical and subalpine forests in Yunnan Province, southwest China

    Institute of Scientific and Technical Information of China (English)

    Xiaqin Luo; Min Cao; Min Zhang; Xiaoyang Song; Jieqiong Li; Akihiro Nakamura; Roger Kitching

    2017-01-01

    Soil seed banks are a vital part of ecosystems and influence community dynamics and regeneration.Although soil seed banks in different habitats have been reported,how soil seed banks vary with elerational gradients in different climatic zones is still unknown.This paper investigates seed density,species composition and nonconstituent species of forest soil seed banks in Yunnan Province,southwest China.Similarity between the soil seed bank and standing vegetation was also examined.We collected soil samples from sites spanning 12 elevations in tropical rain forests,subtropical evergreen broadleaved forests and subalpine coniferous forests,and transported them to a glasshouse for germination trials for species identification.The soil seed banks of tropical and subtropical forests had much higher seed densities and species richness than those of subalpine forests.Seeds of woody species dominated the soil seed banks of tropical and subtropical forests,while herbs dominated those of subalpine forests.The nonconstituent species in the soil seed banks were all herbs and were most abundant in tropical forests,followed by subtropical forests but were completely absent from subalpine forests.

  12. Soil seed banks along elevational gradients in tropical, subtropical and subalpine forests in Yunnan Province, southwest China

    Directory of Open Access Journals (Sweden)

    Xiaqin Luo

    2017-10-01

    Full Text Available Soil seed banks are a vital part of ecosystems and influence community dynamics and regeneration. Although soil seed banks in different habitats have been reported, how soil seed banks vary with elevational gradients in different climatic zones is still unknown. This paper investigates seed density, species composition and nonconstituent species of forest soil seed banks in Yunnan Province, southwest China. Similarity between the soil seed bank and standing vegetation was also examined. We collected soil samples from sites spanning 12 elevations in tropical rain forests, subtropical evergreen broad-leaved forests and subalpine coniferous forests, and transported them to a glasshouse for germination trials for species identification. The soil seed banks of tropical and subtropical forests had much higher seed densities and species richness than those of subalpine forests. Seeds of woody species dominated the soil seed banks of tropical and subtropical forests, while herbs dominated those of subalpine forests. The nonconstituent species in the soil seed banks were all herbs and were most abundant in tropical forests, followed by subtropical forests but were completely absent from subalpine forests.

  13. Seed bank and big sagebrush plant community composition in a range margin for big sagebrush

    Science.gov (United States)

    Martyn, Trace E.; Bradford, John B.; Schlaepfer, Daniel R.; Burke, Ingrid C.; Laurenroth, William K.

    2016-01-01

    The potential influence of seed bank composition on range shifts of species due to climate change is unclear. Seed banks can provide a means of both species persistence in an area and local range expansion in the case of increasing habitat suitability, as may occur under future climate change. However, a mismatch between the seed bank and the established plant community may represent an obstacle to persistence and expansion. In big sagebrush (Artemisia tridentata) plant communities in Montana, USA, we compared the seed bank to the established plant community. There was less than a 20% similarity in the relative abundance of species between the established plant community and the seed bank. This difference was primarily driven by an overrepresentation of native annual forbs and an underrepresentation of big sagebrush in the seed bank compared to the established plant community. Even though we expect an increase in habitat suitability for big sagebrush under future climate conditions at our sites, the current mismatch between the plant community and the seed bank could impede big sagebrush range expansion into increasingly suitable habitat in the future.

  14. A comparison of seed banks across a sand dune successional gradient at Lake Michigan dunes (Indiana, USA)

    Science.gov (United States)

    Leicht-Young, S. A.; Pavlovic, N.B.; Grundel, R.; Frohnapple, K.J.

    2009-01-01

    In habitats where disturbance is frequent, seed banks are important for the regeneration of vegetation. Sand dune systems are dynamic habitats in which sand movement provides intermittent disturbance. As succession proceeds from bare sand to forest, the disturbance decreases. At Indiana Dunes National Lakeshore, we examined the seed banks of three habitat types across a successional gradient: foredunes, secondary dunes, and oak savanna. There were differences among the types of species that germinated from each of the habitats. The mean seed bank density increased across the successional gradient by habitat, from 376 to 433 to 968 seeds m-2, but with foredune and secondary dune seed bank densities being significantly lower than the savanna seed bank density. The number of seeds germinated was significantly correlated with soil organic carbon, demonstrating for this primary successional sequence that seed density increases with stage and age. The seed bank had much lower species richness than that of the aboveground vegetation across all habitats. Among sites within a habitat type, the similarity of species germinated from the seed banks was very low, illustrating the variability of the seed bank even in similar habitat types. These results suggest that restoration of these habitats cannot rely on seed banks alone. ?? 2008 Springer Science+Business Media B.V.

  15. The impact of groundwater level on soil seed bank survival

    NARCIS (Netherlands)

    Bekker, RM; Oomes, MJM; Bakker, JP

    Seed longevity of plant species is an important topic in restoration management, and little is known about the effects of environmental conditions on seed survival and longevity under natural conditions. Therefore, the effect of groundwater level on the survival of seeds in the soil seed bank of a

  16. SEED BANKS FOR MAGNETIC FLUX COMPRESSION GENERATORS

    Energy Technology Data Exchange (ETDEWEB)

    Fulkerson, E S

    2008-05-14

    In recent years the Lawrence Livermore National Laboratory (LLNL) has been conducting experiments that require pulsed high currents to be delivered into inductive loads. The loads fall into two categories (1) pulsed high field magnets and (2) the input stage of Magnetic Flux Compression Generators (MFCG). Three capacitor banks of increasing energy storage and controls sophistication have been designed and constructed to drive these loads. One bank was developed for the magnet driving application (20kV {approx} 30kJ maximum stored energy.) Two banks where constructed as MFCG seed banks (12kV {approx} 43kJ and 26kV {approx} 450kJ). This paper will describe the design of each bank including switching, controls, circuit protection and safety.

  17. Seed Bank Variation under Contrasting Site Quality Conditions in Mixed Oak Forests of Southeastern Ohio, USA

    International Nuclear Information System (INIS)

    Small, Ch.J.; McCarthy, B.C.

    2010-01-01

    Seed bank composition was sampled in 192-2.5 m 2 quadrats, established in six regenerating clearcut (∼7 years) and six second-growth ((∼125 years) mixed-oak forest stands in southeastern Ohio. Seed bank and aboveground composition diverged markedly (Sorensen's coefficient <10%), emphasizing the importance of fast-growing, early-successional germinants to early ecosystem recovery. Seed richness was significantly (ρ<.01) higher in clearcut stands, suggesting declining richness with stand age. Richness estimations 28%-60% higher than observed values demonstrated high seed bank heterogeneity, emphasizing the need for intensive sampling to assess temperate forest seed bank variation. Site quality (topographic aspect) strongly influenced seed bank composition, with greater importance of early-successional trees, thicket-forming shrubs, and nonnative species on mesic sites. Thus, forest seed banks are likely to play an important, site-dependent role in shaping competitive environments for commercially important timber species after harvesting and soil disturbance and have the potential for marked influence on post harvest forest development.

  18. Analysis of plant soil seed banks and seed dispersal vectors: Its potential and limits for forensic investigations.

    Science.gov (United States)

    Šumberová, Kateřina; Ducháček, Michal

    2017-01-01

    Plant seeds exhibit many species-specific traits, thus potentially being especially helpful for forensic investigations. Seeds of a broad range of plant species occur in soil seed banks of various habitats and may become attached in large quantities to moving objects. Although plant seeds are now routinely used as trace evidence in forensic practice, only scant information has been published on this topic in the scientific literature. Thus, the standard methods remain unknown to specialists in such botanical subjects as plant ecology and plant geography. These specialists, if made aware of the forensic uses of seeds, could help in development of new, more sophisticated approaches. We aim to bridge the gap between forensic analysts and botanists. Therefore, we explore the available literature and compare it with our own experiences to reveal both the potential and limits of soil seed bank and seed dispersal analysis in forensic investigations. We demonstrate that habitat-specific and thus relatively rare species are of the greatest forensic value. Overall species composition, in terms of species presence/absence and relative abundance can also provide important information. In particular, the ecological profiles of seeds found on any moving object can help us identify the types of environments through which the object had travelled. We discuss the applicability of this approach to various European environments, with the ability to compare seed samples with georeferenced vegetation databases being particularly promising for forensic investigations. We also explore the forensic limitations of soil seed bank and seed dispersal vector analyses. Copyright © 2016 Elsevier Ireland Ltd. All rights reserved.

  19. Effect of three rotation systems on weed seed bank of barely fields in Karaj

    Directory of Open Access Journals (Sweden)

    mostafa oveysi

    2009-06-01

    Full Text Available Rotation can be used as an approach for weed management, because density and combination of weed seed bank may be affected by rotation. In this study effect of rotation in diversity and density of weed seed was studied in three rotation systems (fallow – barely, maize – barely and canola – barely. Results showed that fallow – barely rotation system have high population density in seed bank and highest amount of Shannon diversity index (H = 0.84. In canola – barely rotation system because of different herbicide uses and special traits of canola, population of weed seeds in seed bank was significantly lower that other rotation systems. Results showed that canola – barely rotation system because of combination special herbicide and agronomical and biological characteristic of canola, in comparison with other rotation systems is more successful in decreasing of weed seed bank.

  20. Stochastic and deterministic processes regulate spatio-temporal variation in seed bank diversity

    Science.gov (United States)

    Alejandro A. Royo; Todd E. Ristau

    2013-01-01

    Seed banks often serve as reservoirs of taxonomic and genetic diversity that buffer plant populations and influence post-disturbance vegetation trajectories; yet evaluating their importance requires understanding how their composition varies within and across spatial and temporal scales (α- and β-diversity). Shifts in seed bank diversity are strongly...

  1. Effects of 10-Year Management Regimes on the Soil Seed Bank in Saline-Alkaline Grassland

    Science.gov (United States)

    Ma, Hongyuan; Yang, Haoyu; Liang, Zhengwei; Ooi, Mark K. J.

    2015-01-01

    Background Management regimes for vegetation restoration of degraded grasslands can significantly affect the process of ecological succession. However, few studies have focused on variation in the soil seed bank during vegetation restoration under different management regimes, especially in saline-alkaline grassland habitats. Our aim was to provide insights into the ecological effects of grassland management regimes on soil seed bank composition and vegetation establishment in mown, fenced, transplanted and natural grassland sites, all dominated by the perennial rhizomatous grass Leymus chinensis. Methodology We studied species composition and diversity in both the soil seed bank and aboveground vegetation in differently managed grasslands in Northeast China. An NMDS (nonmetric multidimensional scaling) was used to evaluate the relationship between species composition, soil seed banks, aboveground vegetation and soil properties. Principal Findings Fenced and mown grassland sites had high density and species richness in both the soil seed bank and aboveground vegetation. The Transplanted treatment exhibited the highest vegetation growth and seed production of the target species L. chinensis. Seeds of L. chinensis in the soil occurred only in transplanted and natural grassland. Based on the NMDS analysis, the number of species in both the soil seed bank and aboveground vegetation were significantly related to soil Na+, Cl-, RSC (residual sodium carbonate), alkalinity, ESP (exchangeable sodium percentage) and AP (available phosphorus). Conclusions Soil seed bank composition and diversity in the saline-alkaline grassland were significantly affected by the management regimes implemented, and were also significantly related to the aboveground vegetation and several soil properties. Based on vegetative growth, reproductive output and maintenance of soil seed bank, the transplanting was identified as the most effective method for relatively rapid restoration of the target

  2. SEEDS BANK OF BOTANICAL GARDEN OF CHECHEN STATE UNIVERSITY

    Directory of Open Access Journals (Sweden)

    R. S. Erzhapova

    2013-01-01

    Full Text Available Abstract. One of priorities of seed laboratory is creation of collection of seeds of wild plants, conservation of flora gene pool of the Chechen Republic, neighboring areas and biological diversity of flora of the Caucasus. Inventory data of seed bank of "Seed Laboratory" of Department of Botany of Chechen State University (seeds from botanical gardens, natural habitat of the Chechen Republic and adjacent areas is the basis of this work. Currently, there are more than 350 species, representatives of more than 70 families in the collection.

  3. Seed Bank Variation under Contrasting Site Quality Conditions in Mixed Oak Forests of Southeastern Ohio, USA

    Directory of Open Access Journals (Sweden)

    Christine J. Small

    2010-01-01

    Full Text Available Seed bank composition was sampled in 192–2.5 m2 quadrats, established in six regenerating clearcut (∼7 years and six second-growth (∼125 years mixed-oak forest stands in southeastern Ohio. Seed bank and aboveground composition diverged markedly (Sørensen's coefficient <10%, emphasizing the importance of fast-growing, early-successional germinants to early ecosystem recovery. Seed richness was significantly (P<.01 higher in clearcut stands, suggesting declining richness with stand age. Richness estimations 28%–60% higher than observed values demonstrated high seed bank heterogeneity, emphasizing the need for intensive sampling to assess temperate forest seed bank variation. Site quality (topographic aspect strongly influenced seed bank composition, with greater importance of early-successional trees, thicket-forming shrubs, and nonnative species on mesic sites. Thus, forest seed banks are likely to play an important, site-dependent role in shaping competitive environments for commercially important timber species after harvesting and soil disturbance and have the potential for marked influence on postharvest forest development.

  4. Composition of soil seed bank over cholistan desert microhabitats at dingarh for area, pakistan

    International Nuclear Information System (INIS)

    Hamid, A.; Arshad, M.; Ghazali, H.M.Z.

    2016-01-01

    Soil seed banks were assessed in three soil layers (L1, from 0 to 2 cm, L2, 2 to 4 cm and L3, 4 to 6 cm depth ) from five microhabitats i.e., Lee-ward side of sand dune (S1), Wind-ward side of sand dune (S2), Clayey area covered with sand (S3), Interdunal sandy area (S4) and Shifting sand dune of site Dingarh Fort area (S5) in Cholistan desert of Pakistan to analyse differences of soil seed bank among these habitats. Ten soil samples were collected from each microhabitat and from each layer i.e., 0-2 cm depth (L1), 2-4 cm depth (L2) and 4-6 cm depth (L3) by using 15*15*6 cm metallic sampler. Consistent differences in seed composition were observed among these microhabitats. Seedling emergence approach was used to assess the soil seed bank of Cholistan desert. Canonical correspondence analysis (CCA) was used for the soil seed bank and the plant species analysis. The microhabitats S3 (Clayey area covered with sand) and S4 (Interdunal sandy area) contributed prominently to the total variance in the species and had maximum density of seed bank and soil layer L1 contained maximum number of seeds. (author)

  5. Tillage and residue burning affects weed populations and seed banks.

    Science.gov (United States)

    Narwal, S; Sindel, B M; Jessop, R S

    2006-01-01

    An integrated weed management approach requires alternative management practices to herbicide use such as tillage, crop rotations and cultural controls to reduce soil weed seed banks. The objective of this study was to examine the value of different tillage practices and stubble burning to exhaust the seed bank of common weeds from the northern grain region of Australia. Five tillage and burning treatments were incorporated in a field experiment, at Armidale (30 degrees 30'S, 151 degrees 40'E), New South Wales, Australia in July 2004 in a randomized block design replicated four times. The trial was continued and treatments repeated in July 2005 with all the mature plants from the first year being allowed to shed seed in their respective treatment plots. The treatments were (i) no tillage (NT), (ii) chisel ploughing (CP), (iii) mould board ploughing (MBP), (iv) wheat straw burning with no tillage (SBNT) and (v) wheat straw burning with chisel ploughing (SBC). Soil samples were collected before applying treatments and before the weeds flowered to establish the seed bank status of the various weeds in the soil. Wheat was sown after the tillage treatments. Burning treatments were only initiated in the second year, one month prior to tillage treatments. The major weeds present in the seed bank before initiating the trial were Polygonum aviculare, Sonchus oleraceus and Avena fatua. Tillage promoted the germination of other weeds like Hibiscus trionum, Medicago sativa, Vicia sp. and Phalaris paradoxa later in the season in 2004 and Convolvulus erubescens emerged as a new weed in 2005. The MBP treatment in 2004 reduced the weed biomass to a significantly lower level of 55 g/m2 than the other treatments of CP (118 g/m2) and NT plots (196 g/m2) (P < 0.05). However, in 2005 SBC and MBP treatments were similar in reducing the weed biomass. In 2004, the grain yield trend of wheat was significantly different between CP and NT, and MBP and NT (P < 0.05) with maximum yield of 5898

  6. Soil Seed Bank and Plant Community Development in Passive Restoration of Degraded Sandy Grasslands

    Directory of Open Access Journals (Sweden)

    Renhui Miao

    2016-06-01

    Full Text Available To evaluate the efficacy of passive restoration on soil seed bank and vegetation recovery, we measured the species composition and density of the soil seed bank, as well as the species composition, density, coverage, and height of the extant vegetation in sites passively restored for 0, 4, 7, and 12 years (S0, S4, S7, and S12 in a degraded grassland in desert land. Compared with S0, three more species in the soil seed bank at depths of 0–30 cm and one more plant species in the community was detected in S12. Seed density within the topsoil (0–5 cm was five times higher in S12 than that in S0. Plant densities in S7 and S12 were triple and quadruple than that in S0. Plant coverage was increased by 1.5 times (S4, double (S7, and triple (S12 compared with S0. Sørensen’s index of similarity in species composition between the soil seed bank and the plant community were high (0.43–0.63, but it was lower in short-term restoration sites (S4 and S7 than that in no and long-term restoration sites (S0 and S12. The soil seed bank recovered more slowly than the plant community under passive restoration. Passive restoration is a useful method to recover the soil seed bank and vegetation in degraded grasslands.

  7. Banking on the Future. Seed Bank Investigations Teach Biodiversity and Biocomplexity

    Science.gov (United States)

    Clary, Renee; Wandersee, James

    2013-01-01

    People depend on plants to fulfill many of their basic needs, such as food, clothing, and shelter. Although plants are all around us, people are often afflicted with "plant blindness," paying more attention to animals (Wandersee and Clary 2006; Wandersee and Schussler 2001). Studying seed banks and building one in the classroom can…

  8. Flora, life form and chorological study of soil seed bank in Sisangan box tree (Buxus hyrcanus Pojark Forest Reserve

    Directory of Open Access Journals (Sweden)

    Moslem Akbarinia

    2014-08-01

    Full Text Available The present study involves the soil seed bank flora of the Sisangan Box tree (Buxus hyrcanus Pojark reserve by using seedling emergence method. 150 soil samples were collected during late June and early November by hammering a hollow metal frame 400 cm2 to a depth of 5 cm. Results showed 67 species, representing 63 genera and 38 families germinated from soil seed bank. 45 species belonging to 28 families and 59 species belonging to 32 families were recorded in June and November soil seed bank respectively. The largest families were Asteraceae (7 species, 10.5%, Lamiaceae (6 species, 9%, Poaceae (5 species, 7.5% and Rosaceae (4 species, 6% which compromised 32.8% percent of the total species in the soil seed bank. Results also showed that Hemicrptophytes (28.4% and Euro-Sibria elements (23/9% were the most important biological spectrum and phytochorion respectivly in the soil seed bank of Sisangan forest. From the total number of species recorded in seed bank, 30 species (44.6 % were found only in the seed bank and never observed in above-ground vegetation. In this regard, seeds of 10 woody species including Albizia julibrissin, Ficus carica, Morus alba, Diospyrus lotus, Celtis australis, Gleditsia caspica, Buxus hyrcana, Ulmus minor, Zelkova carpinifolia and Carpinus betulus were found in the soil seed bank, from which only 6 species were able to produce persistent soil seed bank. This condition confirmed low similarity between above-ground vegetation and persistent soil seed bank and it also reiterated the importance of soil seed bank study for introducing more accurate capacity of plant biodiversity.

  9. Invasive Australian Acacia seed banks: Size and relationship with stem diameter in the presence of gall-forming biological control agents.

    Directory of Open Access Journals (Sweden)

    Matthys Strydom

    Full Text Available Australian Acacia are invasive in many parts of the world. Despite significant mechanical and biological efforts to control their invasion and spread, soil-stored seed banks prevent their effective and sustained removal. In response South Africa has had a strong focus on employing seed reducing biological control agents to deal with Australian Acacia invasion, a programme that is considered as being successful. To provide a predictive understanding for their management, seed banks of four invasive Australian acacia species (Acacia longifolia, A. mearnsii, A. pycnantha and A. saligna were studied in the Western Cape of South Africa. Across six to seven sites for each species, seed bank sizes were estimated from dense, monospecific stands by collecting 30 litter and soil samples. Average estimated seed bank size was large (1017 to 17261 seed m-2 as was annual input into the seed bank, suggesting that these seed banks are not residual but are replenished in size annually. A clear relationship between seed bank size and stem diameter was established indicating that mechanical clearing should be conducted shortly after fire-stimulated recruitment events or within old populations when seed banks are small. In dense, monospecific stands seed-feeding biological control agents are not effective in reducing seed bank size.

  10. Long-term persistence of pioneer species in tropical forest soil seed banks

    Energy Technology Data Exchange (ETDEWEB)

    Dalling, J W; Brown, T A

    2008-10-05

    In tropical forests, pioneer species regenerate from seeds dispersed directly into canopy gaps, and from seeds that persisted in soil seed banks before gap formation. However, life-history models suggest that selection for long-term persistence of seeds in soil should be weak, as persistence incurs a fitness cost resulting from prolonged generation time. We use a carbon dating technique to provide the first direct measurements of seed persistence in undisturbed tropical forest seed banks. We show that seeds germinate successfully from surface soil microsites up to 38 years after dispersal. Decades-long persistence may be common in pioneers with relatively large mass, and appears to be unrelated to specific regeneration requirements. In Croton billbergianus, a sub-canopy tree that recruits in abundant small gaps, long-term persistence is associated with short-distance ballistic seed dispersal. In Trema micrantha, a canopy tree with widespread dispersal, persistence is associated with a requirement for large gaps that form infrequently in old-growth forest.

  11. Soil seed banks Banco de sementes do solo

    Directory of Open Access Journals (Sweden)

    P.J. Christoffoleti

    1998-01-01

    Full Text Available The goal of this literature review is to discuss some of the major aspects of the soil seed bank, from its characteristics down to methodological aspects of its determination. Soil seed bank is the reservoir of viable seeds or of vegetative propagules that are present in the soil and that are able to recompose a natural vegetation. In the agroecossystems the soil seed bank is related to weeds, and the knowledge of its size and composition in terms of species can be used in the prediction of future infestations, to built simulation models of population establishment through time and also the definition of soil and cultural management programs, in order to have a rational use of herbicides.O objetivo desta revisão é discorrer sobre alguns pontos importantes no estudo do banco de sementes no solo, desde as sua características até aspectos metodológicos para sua determinação. Denomina-se de banco de sementes a reserva destas ou de propágulos vegetativos viáveis presentes no solo e que são capazes de recompor uma vegetação. Nos sistemas agrícolas o banco está relacionado com o estudo das plantas daninhas; o conhecimento do seu tamanho e das espécies que o compõem poderá ser utilizado na previsão de infestações futuras, na construção de modelos de estabelecimentos populacionais no tempo e consequentemente na definição de programas de manejo de solo e culturais, visando racionalizar a utilização de herbicidas.

  12. Repeated drought alters resistance of seed bank regeneration in baldcypress swamps of North America

    Science.gov (United States)

    Lei, Ting; Middleton, Beth A.

    2018-01-01

    Recurring drying and wetting events are likely to increase in frequency and intensity in predicted future droughts in the central USA and alter the regeneration potential of species. We explored the resistance of seed banks to successive droughts in 53 sites across the nine locations in baldcypress swamps in the southeastern USA. Along the Mississippi River Alluvial Valley and northern Gulf of Mexico, we investigated the capacity of seed banks to retain viable seeds after successive periods of drying and wetting in a greenhouse study. Mean differences in species richness and seed density were compared to examine the interactions of successive droughts, geographical location and water regime. The results showed that both species richness and total density of germinating seedlings decreased over repeated drought trials. These responses were more pronounced in geographical areas with higher annual mean temperature. In seed banks across the southeastern swamp region, most species were exhausted after Trial 2 or 3, except for semiaquatic species in Illinois and Tennessee, and aquatic species in Texas. Distinct geographical trends in seed bank resistance to drought demonstrate that climate-induced drying of baldcypress swamps could influence the regeneration of species differently across their ranges. Despite the health of adult individuals, lack of regeneration may push ecosystems into a relict status. Seed bank depletion by germination without replenishment may be a major conservation threat in a future with recurring droughts far less severe than megadrought. Nevertheless, the protection of moist refugia might aid conservation.

  13. POOR FERTILITY, SHORT LONGEVITY AND LOW ABUNDANCE IN THE SOIL SEED BANK LIMIT VOLUNTEER SUGARCANE FROM SEED

    Directory of Open Access Journals (Sweden)

    Johann S Pierre

    2015-06-01

    Full Text Available The recent development of genetically modified sugarcane, with the aim of commercial production, requires an understanding of the potential risks of increased weediness of sugarcane as a result of spread and persistence of volunteer sugarcane. As sugarcane is propagated vegetatively from pieces of stalk and the seed plays no part in the production cycle the fate of seed in the environment is yet to be studied. In this study sugarcane seed samples, collected in fields over a two year period, were used to determine the overall level of sugarcane fertility, seed dormancy and longevity of seed under field conditions. A survey of the soil seed bank in and around sugarcane fields was used to quantify the presence of sugarcane seeds and to identify and quantify the weeds that would compete with sugarcane seedlings. We demonstrated that under field conditions, sugarcane has low fertility and produces non-dormant seed. The viability of the seeds decayed rapidly (half life between 1.5 and 2.1 months. This means that, in Australia, sugarcane seeds die before they encounter climatic conditions that could allow them to germinate and establish. Finally, the soil seed bank analysis revealed there were very few sugarcane seeds relative to the large number of weed seeds that exert a large competitive effect. In conclusion, low fertility, short persistence and poor ability to compete limit the capacity of sugarcane seed spread and persistence in the environment.

  14. Poor Fertility, Short Longevity, and Low Abundance in the Soil Seed Bank Limit Volunteer Sugarcane from Seed.

    Science.gov (United States)

    Pierre, Johann S; Perroux, Jai; Whan, Alex; Rae, Anne L; Bonnett, Graham D

    2015-01-01

    The recent development of genetically modified sugarcane, with the aim of commercial production, requires an understanding of the potential risks of increased weediness of sugarcane as a result of spread and persistence of volunteer sugarcane. As sugarcane is propagated vegetatively from pieces of stalk and the seed plays no part in the production cycle, the fate of seed in the environment is yet to be studied. In this study, sugarcane seed samples, collected in fields over a 2-year period, were used to determine the overall level of sugarcane fertility, seed dormancy, and longevity of seed under field conditions. A survey of the soil seed bank in and around sugarcane fields was used to quantify the presence of sugarcane seeds and to identify and quantify the weeds that would compete with sugarcane seedlings. We demonstrated that under field conditions, sugarcane has low fertility and produces non-dormant seed. The viability of the seeds decayed rapidly (half-life between 1.5 and 2.1 months). This means that, in Australia, sugarcane seeds die before they encounter climatic conditions that could allow them to germinate and establish. Finally, the soil seed bank analysis revealed that there were very few sugarcane seeds relative to the large number of weed seeds that exert a large competitive effect. In conclusion, low fertility, short persistence, and poor ability to compete limit the capacity of sugarcane seed spread and persistence in the environment.

  15. El Niño effects on soil seed bank dynamics in north-central Chile.

    Science.gov (United States)

    Gutiérrez, Julio R; Meserve, Peter L

    2003-03-01

    The soil seed bank was monitored in four 75x75 m plots over 6 years (1990-1995) in an arid thorn scrub community in north-central Chile. Sixty-six species were identified. Total seed densities ranged from 2,000 to 42,000/m(2). Average mass of shrub seeds was significantly greater than that of other growth-forms. Between 70 and 90% of the seeds were less than 1 mg, with those in the 0.51-1.00 mg size class being most numerous. Seed densities were highly variable between years as well as within years, but were also closely associated with plant cover patterns and rainfall regime. Higher seed densities were found in wet years, and in samples taken in early summer and early autumn (i.e., after seed set); the lowest seed densities were in late winter (i.e., after annual plant germination). The annual plant species with the highest cover were also the most abundant in the soil seed bank and exhibited the largest seed density fluctuations. In general, seed densities were 5- to 10-fold higher during the 1991-1992 El Niño/southern oscillation (ENSO) years than non-ENSO years, showing the importance of this phenomenon for seed bank replenishment in the arid region of Chile.

  16. Seed biometric parameters in oil palm accessions from a Brazilian germplasm bank

    Directory of Open Access Journals (Sweden)

    Julcéia Camillo

    2014-08-01

    Full Text Available The objective of this work was to evaluate the morphological diversity of oil palm seeds and to cluster the accessions according to their morphological characteristics. Forty-one accessions from the oil palm germplasm bank of Embrapa Amazônia Ocidental were evaluated - 18 of Elaeis oleifera and 23 of E. guineensis. The groups were formed based on morphological characteristics, by principal component analysis. In E. oleifera, four groups were formed, tied to their region of origin, but with significant morphological differences between accessions from the same population. For tenera-type E. guineensis seeds, three widely divergent groups were formed, especially as to external parameters, which differentiated them from the other ones. The parameter endocarp thickness stood out in intra- and inter-population differentiation. For dura-type E. guineensis, three groups were formed, with larger seeds and thicker endocarps, which differed from all the other ones. The variability observed for seed characteristics in the analyzed accessions allows the establishment of different groups, to define strategies for genetic improvement.

  17. Temporal patterns of genetic variation across a 9-year-old aerial seed bank of the shrub Banksia hookeriana (Proteaceae).

    Science.gov (United States)

    Barrett, Luke G; He, Tianhua; Lamont, Byron B; Krauss, Siegfried L

    2005-11-01

    The pattern of accumulation of genetic variation over time in seed banks is poorly understood. We examined the genetic structure of the aerial seed bank of Banksia hookeriana within a single 15-year-old population in fire-prone southwestern Australia, and compared genetic variation between adults and each year of a 9-year-old seed bank using amplified fragment length polymorphism (AFLP). B. hookeriana is well suited to the study of seed bank dynamics due to the canopy storage of its seeds, and because each annual crop can be identified. A total of 304 seeds from nine crop years and five maternal plants were genotyped, along with 113 plants from the adult population. Genetic variation, as assessed by the proportion of polymorphic markers (P(p)) and Shannon's index (I), increased slightly within the seed bank over time, while gene diversity (H(j)), did not change. P(p), I, and H(j) all indicated that genetic variation within the seed bank quickly approached the maximal level detected. Analysis of molecular variance revealed that less than 4% of variation could be accounted for by variation among seeds produced in different years, whereas there was greater differentiation among maternal plants (12.7%), and among individual seeds produced by different maternal plants (83.4%). With increasing population age, offspring generated each year were slightly more outbred, as indicated by an increase in the mean number of nonmaternal markers per offspring. There were no significant differences for H(j) or I between adults and the seed bank. Viability of seeds decreased with age, such that the viability of 9-year-old seeds was half that of 2-year-old seeds. These results suggest that variable fire frequencies have only limited potential to influence the amount of genetic variation stored within the seed bank of B. hookeriana.

  18. Germination and Seed Bank Studies of Macbridea alba (Lamiaceae), a Federally Theatened Plant

    Science.gov (United States)

    Dana Madsen Schulze; John L. Walker; Timothy P. Spira

    2002-01-01

    Macbridea alba (Lamiaceae) is a Federally threatened plant endemic to Florida. Seedlings are rarely observed in natural populations, but seed production has been documented. We assessed the germinability of dry-stored seeds and of experimentally buried seeds, and sampled soil to detect a persistent seed bank.More than 20% of recorded seeds...

  19. Disentangling the role of seed bank and dispersal in plant metapopulation dynamics using patch occupancy surveys.

    Science.gov (United States)

    Manna, F; Pradel, R; Choquet, R; Fréville, H; Cheptou, P-O

    2017-10-01

    In plants, the presence of a seed bank challenges the application of classical metapopulation models to aboveground presence surveys; ignoring seed bank leads to overestimated extinction and colonization rates. In this article, we explore the possibility to detect seed bank using hidden Markov models in the analysis of aboveground patch occupancy surveys of an annual plant with limited dispersal. Patch occupancy data were generated by simulation under two metapopulation sizes (N = 200 and N = 1,000 patches) and different metapopulation scenarios, each scenario being a combination of the presence/absence of a 1-yr seed bank and the presence/absence of limited dispersal in a circular 1-dimension configuration of patches. In addition, because local conditions often vary among patches in natural metapopulations, we simulated patch occupancy data with heterogeneous germination rate and patch disturbance. Seed bank is not observable from aboveground patch occupancy surveys, hence hidden Markov models were designed to account for uncertainty in patch occupancy. We explored their ability to retrieve the correct scenario. For 10 yr surveys and metapopulation sizes of N = 200 or 1,000 patches, the correct metapopulation scenario was detected at a rate close to 100%, whatever the underlying scenario considered. For smaller, more realistic, survey duration, the length for a reliable detection of the correct scenario depends on the metapopulation size: 3 yr for N = 1,000 and 6 yr for N = 200 are enough. Our method remained powerful to disentangle seed bank from dispersal in the presence of patch heterogeneity affecting either seed germination or patch extinction. Our work shows that seed bank and limited dispersal generate different signatures on aboveground patch occupancy surveys. Therefore, our method provides a powerful tool to infer metapopulation dynamics in a wide range of species with an undetectable life form. © 2017 by the Ecological Society of America.

  20. Factors affecting Bromus tectorum seed bank carryover in western Utah

    Science.gov (United States)

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

    2008-01-01

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

  1. Soil Seed Bank Responses to Postfire Herbicide and Native Seeding Treatments Designed to Control Bromus tectorum in a Pinyon–Juniper Woodland at Zion National Park, USA

    Science.gov (United States)

    Brooks, Matthew L.; Hondo Brisbin, graduate student; Andrea Thode, Associate Professor; Karen Weber, graduate student

    2013-01-01

    The continued threat of an invasive, annual brome (Bromus) species in the western United States has created the need for integrated approaches to postfire restoration. Additionally, the high germination rate, high seed production, and seed bank carryover of annual bromes points to the need to assay soil seed banks as part of monitoring programs. We sampled the soil seed bank to help assess the effectiveness of treatments utilizing the herbicide Plateau® (imazapic) and a perennial native seed mix to control annual Bromus species and enhance perennial native plant establishment following a wildfire in Zion National Park, Utah. This study is one of few that have monitored the effects of imazapic and native seeding on a soil seed bank community and the only one that we know of that has done so in a pinyon–juniper woodland. The study made use of untreated, replicated controls, which is not common for seed bank studies. One year posttreatment, Bromus was significantly reduced in plots sprayed with herbicide. By the second year posttreatment, the effects of imazapic were less evident and convergence with the controls was evident. Emergence of seeded species was low for the duration of the study. Dry conditions and possible interactions with imazapic probably contributed to the lack of emergence of seeded native species. The perennial grass sand dropseed outperformed the other species included in the seed mix. We also examined how the treatments affected the soil seed bank community as a whole. We found evidence that the herbicide was reducing several native annual forbs and one nonnative annual forb. However, overall effects on the community were not significant. The results of our study were similar to what others have found in that imazapic is effective in providing a short-term reduction in Bromus density, although it can impact emergence of nontarget species.

  2. Seasonal variation in soil seed bank size and species composition of selected habitat types in Maputaland, South Africa

    Directory of Open Access Journals (Sweden)

    M. J. S. Kellerman

    2007-08-01

    Full Text Available Seasonal variation in seed bank size and species composition of five selected habitat types within the Tembe Elephant Park. South Africa, was investigated. At three-month intervals, soil samples were randomly collected from five different habitat types: a, Licuati forest; b, Licuati thicket; c, a bare or sparsely vegetated zone surrounding the forest edge, referred to as the forest/grassland ecotone; d, grassland; and e, open woodland. Most species in the seed bank flora were either grasses, sedges, or forbs, with hardly any evidence of woody species. The Licuati forest and thicket soils produced the lowest seed densities in all seasons.  Licuati forest and grassland seed banks showed a two-fold seasonal variation in size, those of the Licuati thicket and woodland a three-fold variation in size, whereas the forest/grassland ecotone maintained a relatively large seed bank all year round. The woodland seed bank had the highest species richness, whereas the Licuati forest and thicket soils were poor in species. Generally, it was found that the greatest correspondence in species composition was between the Licuati forest and thicket, as well as the forest/grassland ecotone and grassland seed bank floras.

  3. Diversity in soil seed bank of Sinai and implications for conservation ...

    African Journals Online (AJOL)

    Understanding the diversity level of seed bank is important for designing conservation and restoration programs especially in arid ecosystems. A diverse of diversity indices has been used in evaluating seed communities regardless of its suitability to measure the ecological quality of the targeted biological community.

  4. The long-term persistence of phytoplankton resting stages in aquatic "seed banks"

    DEFF Research Database (Denmark)

    Ellegaard, Marianne; Ribeiro, Sofia

    2018-01-01

    to terrestrial seed beds of vascular plants, but are much less studied. It is therefore timely to review the phenomenon of long-term persistence of aquatic resting stages in sediment seed banks. Herein we compare function, morphology and physiology of phytoplankton resting stages to factors central...... for persistence of terrestrial seeds. We review the types of resting stages found in different groups of phytoplankton and focus on the groups for which long-term (multi-decadal) persistence has been shown: dinoflagellates, diatoms, green algae and cyanobacteria. We discuss the metabolism of long-term dormancy......In the past decade, research on long-term persistence of phytoplankton resting stages has intensified. Simultaneously, insight into life-cycle variability in the diverse groups of phytoplankton has also increased. Aquatic 'seed banks' have tremendous significance and show many interesting parallels...

  5. Sexual production in SE Asian seagrasses: the absence of a seed bank in Thalassia hemprichii (Bolinao, NW Philippines)

    NARCIS (Netherlands)

    Rollon, R.N.; Nacorda, H.M.E.; Vermaat, J.E.

    2003-01-01

    We report the absence of a persistent seed bank in Thalassia hemprichii in NW Philippine seagrass beds. The survival of buried seeds was assessed experimentally since such a capacity is a prerequisite for the formation of seed bank. We found a rapid germination of non-dormant seeds and development

  6. Seed banks in a degraded desert shrubland: Influence of soil surface condition and harvester ant activity on seed abundance

    Science.gov (United States)

    DeFalco, L.A.; Esque, T.C.; Kane, J.M.; Nicklas, M.B.

    2009-01-01

    We compared seed banks between two contrasting anthropogenic surface disturbances (compacted, trenched) and adjacent undisturbed controls to determine whether site condition influences viable seed densities of perennial and annual Mojave Desert species. Viable seeds of perennials were rare in undisturbed areas (3-4 seeds/m2) and declined to importance of litter as an indicator of site degradation and recovery potential in arid lands.

  7. Seed bank and established vegetation in the last remnants of the Mexican Central Plateau wetlands: the Lerma marshes.

    Science.gov (United States)

    Zepeda, Carmen; Lot, Antonio; Nemiga, Xanat Antonio; Manjarrez, Javier

    2014-06-01

    Seed banks play a central role in vegetation dynamics of many wetlands. Therefore, knowledge of seed reservoirs in the soils of aquatic communities should provide useful tools for conservation and restoration efforts. This study was conducted in the Lerma marshes, one of the last remnants of the vast wetlands that were once in the Mexican Central Plateau. The main objective was to determine the composition and abundance of seed bank and its relationship with established vegetation of the three Lerma marshes. In each marsh, we systematically selected 18 to 40 sampling sites. In each site, the composition of vascular plant vegetation was evaluated in two 10m lines perpendicular to the shore. Every 0.5m, we determined the coverage of species by measuring the intercepted length for each plant or group of plants. At each sampling site where we had evaluated the established vegetation, we collected a sample of the top 10cm of sediment; the soil cores were divided into an upper layer (0-5cm) and a lower layer (5-10cm). These samples were used to evaluate the seed bank by the seedling emergence method. All samples were placed in a greenhouse at 20-25 degrees C and remained flooded for 15 weeks. Forty-nine species were recorded in the vegetation. Chiconahuapan had the richest and most diverse flora and the greatest number of perennial species. A life-forms analysis showed that perennial herbs, especially rooted-emergent hydrophytes, dominated in the three wetlands. Sixty-one species were identified in the total seed bank; Chimaliapan had the most diverse total seed bank, whereas the mean seedling density was higher in Chignahuapan. Only two species of the total seed bank of each marsh had a density greater than 10% of the total, and more than half were uncommon. The upper layer of sediment (0-5cm) contained two times more seeds/m2 and species per sample than the lower layer (5-10cm), and there was a significant decrease of seed density with depth. The detrended

  8. Mathematical modeling of seed bank dynamics in population genetics

    OpenAIRE

    Martin, Anna

    2017-01-01

    We study the genealogical structure of samples from a population for which any givengeneration is made up of direct descendants from one randomly chosen previousgeneration. These occur in nature when there are seed banks or egg banks allowingan individual to leave offspring several generations in the future. Kaj et al. studied in2001 the case where any given generation is made up of descendants from severalprevious generations and showed how this temporal structure in the reproductionmechanis...

  9. [Soil seed bank and its correlations with aboveground vegetation and environmental factors in water level fluctuating zone of Danjiangkou Reservoir, Central China].

    Science.gov (United States)

    Liu, Rui-Xue; Zhan, Juan; Shi, Zhi-Hua; Chen, Long-qing

    2013-03-01

    Taking the water level fluctuating zone of the Danjiangkou Reservoir as a case, and by the method of hierarchical cluster analysis, the soil seed banks at 37 sampling plots within the areas of 140-145 m elevation were divided into 6 groups, and the species composition, density, and diversity of the soil seed banks among the groups were compared. The differences between the soil seed banks and the aboveground vegetations were analyzed by S0rensen similarity coefficient, and the correlations among the soil seed banks, aboveground vegetations, and environmental factors were explored by principal component analysis (PCA) and multivariable regression analysis. At the same altitudes of the water level fluctuating zone, the species composition of the soil seed banks had obvious heterogeneity, and the density and diversity indices of the soil seed banks among different groups were great. The similarity coefficient between the soil seed banks and aboveground vegetations was low, and the species number in the soil seed banks was obviously lesser than that in the aboveground vegetations. The density of the soil seed banks was highly positively correlated with the aboveground vegetations coverage and species number and the soil texture, but highly negatively correlated with the soil water-holding capacity and soil porosity.

  10. Germination and soil seed bank traits of Podocarpus angustifolius (Podocarpaceae): an endemic tree species from Cuban rain forests.

    Science.gov (United States)

    Ferrandis, Pablo; Bonilla, Marta; Osorio, Licet del Carmen

    2011-09-01

    Podocarpus angustifolius is an endangered recalcitrant-seeded small tree, endemic to mountain rain forests in the central and Pinar del Río regions in Cuba. In this study, the germination patterns of P. angustifolius seeds were evaluated and the nature of the soil seed bank was determined. Using a weighted two-factor design, we analyzed the combined germination response to seed source (i.e. freshly matured seeds directly collected from trees versus seeds extracted from soil samples) and pretreatment (i.e. seed water-immersion for 48h at room temperature). Germination was delayed for four weeks (= 30 days) in all cases, regardless of both factors analyzed. Moreover, nine additional days were necessary to achieve high germination values (in the case of fresh, pretreated seeds). These results overall may indicate the existence of a non-deep simple morphophysiological dormancy in P. angustifolius seeds. The water-immersion significantly enhanced seed germination, probably as a result of the hydration of recalcitrant seeds. Although germination of seeds extracted from soil samples was low, probably due to aging and pathogen effects throughout the time of burial, the study revealed the existence of a persistent soil seed bank (at least short-termed) of approximately 42 viable seeds per m2 in the upper 10cm of soil. Such a record is noteworthy since references to persistent soil seed banks in recalcitrant-seeded species are scarce in the literature. The population consequences derived from the formation of persistent soil seed banks in this endangered species are discussed.

  11. Characterizing and valuing of regeneration potential of the seed germination bank at the Carpatos forest reserve (Guasca, Cundinamarca)

    International Nuclear Information System (INIS)

    Cantillo Higuera Edgard Ernesto; Castiblanco Gutierrez Viviana; Pinilla Mondragon David Fernando; Alvarado Claudia Liliana

    2008-01-01

    In the Carpatos Forest Reserve the bank seed germinate (BSG) was marked and valued and the dispersion mechanisms and strategies of there serve defined. They subsequently determined the spatial, dinamogenetic and temporary structures of the seral states and their populations. For the vegetation on foot 61 species were recorded, represented by 53 genera and 36 families, alongside the BSG were 55 species, represented by 50 genera and 27 families. The minimum volume was 1.500 cm 3, for a total of 13.150 germinating seeds; the total density for BSG was 1.553 seeds per m2. The species emerged in the BSG were mostly herbaceous and flush - approximately 70% of all individuals and species -; Phytolacca bogotensis, Digitalis purpurea and Ageratina sp. were the dominant species in the three trials Bank, other important species were Carex sp., Poa annua, Rubus floribundum, Bulbostylis sp.and Borreria sp. The species of woody habit usually varied in each trial according to the phenophase of each species, the most representative species were Cestrum Mutisia, Clusia ducu, Myrsine coriacea, Axinaea macrophylla and Miconia denticulata. As for phenology and dispersal, it was found that vegetation stands submitted to the zoocoria as the dominant scattering strategy in all fields; the maximum flowering occurred during the dry season, from December to March, though the greatest fruiting records correspond to the longest rainy season, from June to August.

  12. Relationship between seed bank expression, adult longevity and aridity in species of Chaetanthera (Asteraceae) in central Chile.

    Science.gov (United States)

    Arroyo, M T K; Chacon, P; Cavieres, L A

    2006-09-01

    Broad surveys have detected inverse relationships between seed and adult longevity and between seed size and adult longevity. However, low and unpredictable precipitation is also associated with seed bank (SB) expression in semi-arid and arid areas. The relationship between adult longevity, SB formation, seed mass and aridity is examined in annual and perennial herbs of Chaetanthera (Asteraceae) from the Chilean Mediterranean-type climate and winter-rainfall desert areas over a precipitation range of one order of magnitude. Seeds of 18 species and subtaxa (32 populations) were buried in field locations, and exhumed after two successive germination periods. Seeds not germinating in the field were tested in a growth chamber, and remnant intact seed tested for viability. Seed banks were classed as transient or persistent. The effect of life form, species, population and burial time on persistent SB size was assessed with factorial ANOVA. Persistent seed bank size was compared with the Martonne aridity index (shown to be a surrogate for inter-annual variation in precipitation) and seed size using linear regression. ANCOVA assessed the effect of life-form on SB size with aridity as covariate. Three species had a transient SB and 15 a persistent SB. ANOVA revealed a significant effect of life-form on SB size with annuals having larger SB size and greater capacity to form a persistent SB than perennials. Significant inter-population variation in SB size was found in 64% of cases. Seed mass was negatively correlated with persistent SB size. Persistent seed bank size was significantly correlated with the Martonne aridity index in the perennial and annual species, with species from more arid areas having larger persistent SBs. However, when aridity was considered as a covariate, ANCOVA revealed no significant differences between the annual and perennial herbs. Persistent seed bank size in Chaetanthera appears to reflect environmental selection rather than any trade-off with

  13. Germination and soil seed bank traits of Podocarpus angustifolius (Podocarpaceae: an endemic tree species from Cuban rain forests

    Directory of Open Access Journals (Sweden)

    Pablo Ferrandis

    2011-09-01

    Full Text Available Podocarpus angustifolius is an endangered recalcitrant-seeded small tree, endemic to mountain rain forests in the central and Pinar del Río regions in Cuba. In this study, the germination patterns of P. angustifolius seeds were evaluated and the nature of the soil seed bank was determined. Using a weighted two-factor design, we analyzed the combined germination response to seed source (i.e. freshly matured seeds directly collected from trees versus seeds extracted from soil samples and pretreatment (i.e. seed water-immersion for 48h at room temperature. Germination was delayed for four weeks (≈30 days in all cases, regardless of both factors analyzed. Moreover, nine additional days were necessary to achieve high germination values (in the case of fresh, pretreated seeds. These results overall may indicate the existence of a non-deep simple morphophysiological dormancy in P. angustifolius seeds. The water-immersion significantly enhanced seed germination, probably as a result of the hydration of recalcitrant seeds. Although germination of seeds extracted from soil samples was low, probably due to aging and pathogen effects throughout the time of burial, the study revealed the existence of a persistent soil seed bank (at least short-termed of ≈42 viable seeds per m² in the upper 10cm of soil. Such a record is noteworthy since references to persistent soil seed banks in recalcitrant-seeded species are scarce in the literature. The population consequences derived from the formation of persistent soil seed banks in this endangered species are discussed. Rev. Biol. Trop. 59 (3: 1061-1069. Epub 2011 September 01.

  14. Soil, Vegetation, and Seed Bank of a Sonoran Desert Ecosystem Along an Exotic Plant ( Pennisetum ciliare) Treatment Gradient

    Science.gov (United States)

    Abella, Scott R.; Chiquoine, Lindsay P.; Backer, Dana M.

    2013-10-01

    Ecological conditions following removal of exotic plants are a key part of comprehensive environmental management strategies to combat exotic plant invasions. We examined ecological conditions following removal of the management-priority buffelgrass ( Pennisetum ciliare) in Saguaro National Park of the North American Sonoran Desert. We assessed soil, vegetation, and soil seed banks on seven buffelgrass site types: five different frequencies of buffelgrass herbicide plus hand removal treatments (ranging from 5 years of annual treatment to a single year of treatment), untreated sites, and non-invaded sites, with three replicates for each of the seven site types. The 22 measured soil properties (e.g., pH) differed little among sites. Regarding vegetation, buffelgrass cover was low (≤1 % median cover), or absent, across all treated sites but was high (10-70 %) in untreated sites. Native vegetation cover, diversity, and composition were indistinguishable across site types. Species composition was dominated by native species (>93 % relative cover) across all sites except untreated buffelgrass sites. Most (38 species, 93 %) of the 41 species detected in soil seed banks were native, and native seed density did not differ significantly across sites. Results suggest that: (1) buffelgrass cover was minimal across treated sites; (2) aside from high buffelgrass cover in untreated sites, ecological conditions were largely indistinguishable across sites; (3) soil seed banks harbored ≥12 species that were frequent in the aboveground vegetation; and (4) native species dominated post-treatment vegetation composition, and removing buffelgrass did not result in replacement by other exotic species.

  15. Interaction between seed dormancy-release mechanism, environment and seed bank strategy for a widely distributed perennial legume, Parkinsonia aculeata (Caesalpinaceae).

    Science.gov (United States)

    Van Klinken, Rieks D; Lukitsch, Bert; Cook, Carly

    2008-08-01

    Parkinsonia aculeata (Caesalpinaceae) is a perennial legume with seeds that have hard-seeded (physical) dormancy and are potentially very long-lived. Seed dormancy is a characteristic that can both help maximize the probability of seedling establishment and spread the risk of recruitment failure across years (bet-hedging). In this study, dormancy-release patterns are described across the diverse environments in which this species occurs in order to test whether wet heat (incubation under wet, warm-to-hot, conditions) alone can explain those patterns, and in order to determine the likely ecological role of physical dormancy across this species distribution. A seed burial trial was conducted across the full environmental distribution of P. aculeata in Australia (arid to wet-dry tropics, uplands to wetlands, soil surface to 10 cm deep). Wet heat explained the pattern of dormancy release across all environments. Most seeds stored in the laboratory remained dormant throughout the trial (at least 84 %). Dormancy release was quickest for seeds buried during the wet season at relatively high rainfall, upland sites (only 3 % of seeds remained dormant after 35 d). The longest-lived seeds were in wetlands (9 % remained dormant after almost 4 years) and on the soil surface (57 % after 2 years). There was no consistent correlation between increased aridity and rate of dormancy release. The results suggest that physical dormancy in P. aculeata is a mechanism for maximizing seedling establishment rather than a bet-hedging strategy. However, seed persistence can occur in environmental refuges where dormancy-release cues are weak and conditions for germination and establishment are poor (e.g. under dense vegetation or in more arid micro-environments) or unsuitable (e.g. when seeds are inundated or on the soil surface). Risks of recruitment failure in suboptimal environments could therefore be reduced by inter-year fluctuations in microclimate or seed movement.

  16. Stimulating a Great Lakes coastal wetland seed bank using portable cofferdams: implications for habitat rehabilitation

    Science.gov (United States)

    Kowalski, K.P.; Wilcox, D.A.; Wiley, M.J.

    2009-01-01

    Coastal wetland seed banks exposed by low lake levels or through management actions fuel the reestablishment of emergent plant assemblages (i.e., wetland habitat) critical to Great Lakes aquatic biota. This project explored the effectiveness of using portable, water-filled cofferdams as a management tool to promote the natural growth of emergent vegetation from the seed bank in a Lake Erie coastal wetland. A series of dams stretching approximately 450??m was installed temporarily to isolate hydrologically a 10-ha corner of the Crane Creek wetland complex from Lake Erie. The test area was dewatered in 2004 to mimic a low-water year, and vegetation sampling characterized the wetland seed bank response at low, middle, and high elevations in areas open to and protected from bird and mammal herbivory. The nearly two-month drawdown stimulated a rapid seed-bank-driven response by 45 plant taxa. Herbivory had little effect on plant species richness, regardless of the location along an elevation gradient. Inundation contributed to the replacement of immature emergent plant species with submersed aquatic species after the dams failed and were removed prematurely. This study revealed a number of important issues that must be considered for effective long-term implementation of portable cofferdam technology to stimulate wetland seed banks, including duration of dewatering, product size, source of clean water, replacement of damaged dams, and regular maintenance. This technology is a potentially important tool in the arsenal used by resource managers seeking to rehabilitate the functions and values of Great Lakes coastal wetland habitats.

  17. [Viability of 7 kinds of medicinal plant seeds stored in medium-term gene bank of the National Medicinal Plant Gene Bank].

    Science.gov (United States)

    Jin, Yue; Yang, Cheng-Min; Wei, Jian-He

    2016-05-01

    In order to evaluate seed viability of Platycodon grandiflorum, Schizonepeta tenuifolia, Andrographis paniculat, Codonopsis pilosula, Scutellaria baicalensis, Leonurus japonicus, Rabdosia rubescens, stored in the medium-term gene bank of the National Medicinal Plant Gene Bank for 4 years, we tested seed germination rate of 7 species of medicinal plant and analyzed the change of significance of levels of the germination rate in pre and post store. Seed germination rates of 7 species of medicinal plants were all decreased after 4 years, and the decrease of S. tenuifolia and S. baicalensis germination rates were much smaller than other species. The higher initial germination rate of P. grandiflorum, C. pilosula, R. rubescens seed has the smaller decline of germination rate, but the data of A. paniculata showed the opposite trend. The rate decline of the germination of S. tenuifolia and S. baicalensis was roughly the same in different germination rate interval. The results showed that low temperature storage could effectively prolong the seed longevity, and maintain the seed vigor. Moreover, it is necessary to study on the storage characteristics of the main medicinal plant seeds, and establish the monitoring plan and regeneration standard. Copyright© by the Chinese Pharmaceutical Association.

  18. Seasonal dynamics of the plant community and soil seed bank along a successional gradient in a subalpine meadow on the Tibetan Plateau.

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    Miaojun Ma

    Full Text Available BACKGROUND: Knowledge about how change the importance of soil seed bank and relationship between seed mass and abundance during vegetation succession is crucial for understanding vegetation dynamics. Many studies have been conducted, but their ecological mechanisms of community assembly are not fully understood. METHODOLOGY: We examined the seasonal dynamics of the vegetation and soil seed bank as well as seed size distribution along a successional gradient. We also explored the potential role of the soil seed bank in plant community regeneration, the relationship between seed mass and species abundance, and the relative importance of deterministic and stochastic processes along a successional gradient. PRINCIPAL FINDINGS: Species richness of seed bank increased (shallow layer and the total and seed density decreased (each layer and the total significantly with succession. Species richness and seed density differed significantly between different seasons and among soil depths. Seed mass showed a significant negative relationship with relative abundance in the earliest successional stage, but the relationships were not significant in later stages. Seed mass showed no relationship with relative abundance in the whole successional series in seed bank. Results were similar for both July 2005 and April 2006. CONCLUSIONS: The seed mass and abundance relationship was determined by a complex interaction between small and larger seeded species and environmental factors. Both stochastic processes and deterministic processes were important determinants of the structure of the earliest stage. The importance of seed bank decreased with succession. The restoration of abandoned farmed and grazed meadows to the species-rich subalpine meadow in Tibetan Plateau can be successfully achieved from the soil seed bank. However, at least 20 years are required to fully restore an abandoned agricultural meadow to a natural mature subalpine meadow.

  19. Bet hedging via seed banking in desert evening primroses (Oenothera, Onagraceae): demographic evidence from natural populations.

    Science.gov (United States)

    Evans, Margaret E K; Ferrière, Régis; Kane, Michael J; Venable, D Lawrence

    2007-02-01

    Bet hedging is one solution to the problem of an unpredictably variable environment: fitness in the average environment is sacrificed in favor of lower variation in fitness if this leads to higher long-run stochastic mean fitness. While bet hedging is an important concept in evolutionary ecology, empirical evidence that it occurs is scant. Here we evaluate whether bet hedging occurs via seed banking in natural populations of two species of desert evening primroses (Oenothera, Onagraceae), one annual and one perennial. Four years of data on plants and 3 years of data on seeds yielded two transitions for the entire life cycle. One year was exceptionally dry, leading to reproductive failure in the sample areas, and the other was above average in precipitation, leading to reproductive success in four of five populations. Stochastic simulations of population growth revealed patterns indicative of bet hedging via seed banking, particularly in the annual populations: variance in fitness and fitness in the average environment were lower with seed banking than without, whereas long-run stochastic mean fitness was higher with seed banking than without across a wide range of probabilities of the wet year. This represents a novel, unusually rigorous demonstration of bet hedging from field data.

  20. Variability of the soil seed banks in the natural deciduous forest in the Białowieża National Park

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    Małgorzata Jankowska-Błaszczuk

    2014-01-01

    Full Text Available Using the germination method, the species diversity, density of the soil seed bank and its relation to cover vegetation in a natural deciduous forest with primary and secondary tree stand were compared. It was found that the mean density and species composition of the soil seed bank in the forest with secondary tree stand that has spontaneously been overgrown over the last 90 years after clear-cutting does not differ from the soil seed bank derived from primeval forest (3167M-2 vs. 3827m-2. In both stands there were 46 species altogether and 36 were common and seed banks were dominated by herbs. The most abundant in this group were: Urtica dioica, Chrysosplenium alternifolium, Geranium robertianum, Oxalis acetosella. In both cases it was found that the species structure of the herb layer was similar to that of the seed bank in about 70%. The seed banks of species absent from the herb layer or present there only sporadically were much more abundant. The seedlings of these species constituted more than one third of all seedlings that emerged in the samples from the secondary tree stand and only 5% those from the primary one. The analysis of seed bank in heavily rooted places under primary and secondary tree stands showed that in places with a totally distroyed herb layer the density of the soil seed bank in primeval forest was three times lower than in places with fully developed herb layer structure (102.60±22.61 vs. 307.0±206.5 per sample. This difference under secondary tree stand turned out to be much lower (415.8±137.8 vs. 358.2±126.0 per sample.

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

    Science.gov (United States)

    McFarlane, Angela

    2010-01-01

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

  2. Seed bank response to prescribed fire in the central Appalachians.

    Science.gov (United States)

    Thomas M. Schuler; Melissa Thomas Van-Gundy; Mary B. Adams; W. Mark. Ford

    2010-01-01

    Pre- and post-treatment seed-bank characteristics of woody species were compared after two prescribed fires in a mesic mixed-oak forest in the central Appalachians. Nineteen woody species were identified from soil samples. Mean species richness declined but evenness did not after prescribed burning. The...

  3. Resilience of (seed bank) aerobic methanotrophs and methanotrophic activity to desiccation and heat stress.

    NARCIS (Netherlands)

    Ho, A.; Lueke, C.; Reim, A.; Frenzel, P.

    2016-01-01

    In seasonally changing environments, aerobic methanotrophs are exposed to elevated temperatures and drought. Prior exposure to adverse conditions (site history) may leave an imprint on the methanotrophic community composition in the form of a seed bank. While the significance of a microbial seed

  4. Do Tillage Methods Affect Germination and Species Similarity of Soil Weed Seeds Bank?

    Directory of Open Access Journals (Sweden)

    Shahgholi Hassan

    2015-12-01

    Full Text Available Cultural practices such as tillage used for crop production influence the composition of the weed seed bank in the soil. In order to investigate the effects of different tillage methods on seed bank properties, species diversity and similarity, two laboratory and greenhouse experiments were carried out as randomized complete block design with four replications in 2011. Treatments included: once tillage per year (T1, twice tillage per year (T2, more than twice tillage (T3 and no tillage (T4. Laboratory results showed that the T3 and T4 treatments had the highest and the lowest observed seeds numbers, respectively. Between the laboratory observed weed seeds, the maximum weed seed numbers were Echinochloa crus-galli and Amaranthus retroflexus in the T3 treatment, while Chenopodium album, Polygonum aviculare and Cuscuta campestris had the highest seed numbers in the T2 treatment. At the greenhouse study, Chenopodium album, Amaranthus retroflexus and Hordeum morinum in the T2 treatment were dominant species. The highest diversity was observed in the T2 treatment, and Chenopodium album and Echinochloa crus-galli were dominant species in the T2 and T3 treatments. Maximum species similarity index was achieved from the T1 and T3 treatments. Thereby this study concluded that increasing of tillage number could affect the similarity index of weed seeds and subsequently alters the weed community composition.

  5. Seed banks as a source of vegetation regeneration to support the recovery of degraded rivers: A comparison of river reaches of varying condition.

    Science.gov (United States)

    O'Donnell, Jessica; Fryirs, Kirstie A; Leishman, Michelle R

    2016-01-15

    Anthropogenic disturbance has contributed to widespread geomorphic adjustment and the degradation of many rivers. This research compares for river reaches of varying condition, the potential for seed banks to support geomorphic river recovery through vegetation regeneration. Seven river reaches in the lower Hunter catchment of south-eastern Australia were assessed as being in poor, moderate, or good condition, based on geomorphic and ecological indicators. Seed bank composition within the channel and floodplain (determined in a seedling emergence study) was compared to standing vegetation. Seed bank potential for supporting geomorphic recovery was assessed by measuring native species richness, and the abundance of different plant growth forms, with consideration of the roles played by different growth forms in geomorphic adjustment. The exotic seed bank was considered a limiting factor for achieving ecological restoration goals, and similarly analysed. Seed bank native species richness was comparable between the reaches, and regardless of condition, early successional and pioneer herbs, sedges, grasses and rushes dominated the seed bank. The capacity for these growth forms to colonise and stabilise non-cohesive sediments and initiate biogeomorphic succession, indicates high potential for the seed banks of even highly degraded reaches to contribute to geomorphic river recovery. However, exotic propagules increasingly dominated the seed banks of moderate and poor condition reaches and reflected increasing encroachment by terrestrial exotic vegetation associated with riparian degradation. As the degree of riparian degradation increases, the resources required to control the regeneration of exotic species will similarly increase, if seed bank-based regeneration is to contribute to both geomorphic and ecological restoration goals. Copyright © 2015 Elsevier B.V. All rights reserved.

  6. Supplementing seed banks to rehabilitate disturbed Mojave Desert shrublands: where do all the seeds go?

    Science.gov (United States)

    DeFalco, Lesley A.; Esque, Todd C.; Nicklas, Melissa B.; Kane, Jeffrey M.

    2012-01-01

    Revegetation of degraded arid lands often involves supplementing impoverished seed banks and improving the seedbed, yet these approaches frequently fail. To understand these failures, we tracked the fates of seeds for six shrub species that were broadcast across two contrasting surface disturbances common to the Mojave Desert—sites compacted by concentrated vehicle use and trenched sites where topsoil and subsurface soils were mixed. We evaluated seedbed treatments that enhance soil-seed contact (tackifier) and create surface roughness while reducing soil bulk density (harrowing). We also explored whether seed harvesting by granivores and seedling suppression by non-native annuals influence the success of broadcast seeding in revegetating degraded shrublands. Ten weeks after treatments, seeds readily moved off of experimental plots in untreated compacted sites, but seed movements were reduced 32% by tackifier and 55% through harrowing. Harrowing promoted seedling emergence in compacted sites, particularly for the early-colonizing species Encelia farinosa, but tackifier was largely ineffective. The inherent surface roughness of trenched sites retained three times the number of seeds than compacted sites, but soil mixing during trench development likely altered the suitability of the seedbed thus resulting in poor seedling emergence. Non-native annuals had little influence on seed fates during our study. In contrast, the prevalence of harvester ants increased seed removal on compacted sites, whereas rodent activity influenced removal on trenched sites. Future success of broadcast seeding in arid lands depends on evaluating disturbance characteristics prior to seeding and selecting appropriate species and seasons for application.

  7. Canopy seed banks as time capsules of biodiversity in pasture-remnant tree crowns.

    Science.gov (United States)

    Nadkarni, Nalini M; Haber, Willam A

    2009-10-01

    Tropical pastures present multiple barriers to tree regeneration and restoration. Relict trees serve as "regeneration foci" because they ameliorate the soil microclimate and serve as safe spots for dispersers. Here, we describe another mechanism by which remnant trees may facilitate pasture regeneration: the presence of seed banks in the canopy soil that accumulates from decomposing epiphytes within the crowns of mature remnant trees in tropical cloud forest pastures. We compared seed banks of canopy soils (histosols derived from fallen leaves, fruits, flower, and twigs of host trees and epiphytes, dead bryophytes, bark, detritus, dead animals, and microorganisms, and dust that accumulate on trunks and the upper surfaces of large branches) in pastures, canopy soils in primary forest trees, and soil on the forest floor in Monteverde, Costa Rica. There were 5211 epiphytic and terrestrial plant seeds in the three habitats. All habitats were dominated by seeds in a relatively small number of plant families, most of which were primarily woody, animal pollinated, and animal dispersed. The density of seeds on the forest floor was greater than seed density in either pasture-canopy or forest-canopy soils; the latter two did not differ. Eight species in 44 families and 61 genera from all of the habitats were tallied. There were 37 species in the pasture-canopy soil, 33 in the forest-canopy soil, and 57 on the forest floor. Eleven species were common to all habitats. The mean species richness in the pasture canopy was significantly higher than the forest canopy (F =83.38; p banks of pasture trees can function as time capsules by providing propagules that are removed in both space and time from the primary forest. Their presence may enhance the ability of pastures to regenerate more quickly, reinforcing the importance of trees in agricultural settings.

  8. Contributions of seed bank and vegetative propagules to vegetation composition on prairie dog colonies in western South Dakota

    Science.gov (United States)

    Emily R. Helms; Lan Xu; Jack L. Butler

    2012-01-01

    Characterizing the contributions of the seed bank and vegetative propagules will enhance our understanding of community resiliency associated with prairie dog disturbances. Our objective was to determine the effects of ecological condition (EC) and distance from burrows on the soil seed bank and vegetative propagules. Based on species composition of the extant...

  9. Competitive Strategy of Banking Industry (Studies in Bengkulu Province

    Directory of Open Access Journals (Sweden)

    Syaiful Anwar AB

    2015-12-01

    Full Text Available The purpose of this study examines the competitive strategies tested the banking industry in the province of Bengkulu. Issues raised in this study is the extent the competitive strategy of banking and can ultimately increased customer. The aim to be achieved is to know what strategies can be applied. The analysis tool is to use qualitative paradigm mapping descriptive with banks in the province of Bengkulu with cluster analysis. Data collection method used in this study was secondary data collection and in-depth interviews. The results of this study conducted that the application of competitive strategy of Bank Rakyat Indonesia, Bank Mandiri, Bank Bengkulu and market penetration strategy was by opening a branch office network and cash office assistant sub-district area are yielded  positive results. From the aspect of services offered, the customer feels that the diversification of services has been able to meet customer needs. The aspect of competitive strategy, distribution aspects of a positive assessment, especially the ease of access, is felt more quickly. Customers feel that the branch offices is still lack, particularly for the Bank are classified as market followers. Customers feel that the promotion is still lacking, particularly those Bank whose branches or cash office in the area. The  strategy  that may be used is a segmentation strategy, developing target market, and positioning.

  10. The investment strategy of commercial banks on the financial markets

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    Ercegovac Dajana

    2012-01-01

    Full Text Available In contemporary market conditions classical deposit-loan strategy is not enough anymore in order to ensure survival of the commercial banks on the financial market and to reach profit that is high enough. Besides the loan placements strategy, it is necessary to adopt an adequate investment strategy which will contribute to the profitability, liquidity and safety of gross asset portfolio. Commercial banks, unlike investment banks, invest smaller part of their resources into securities of diverse maturity on financial markets. However, with the harsh competition of banks and other non-banking institutions, significance of investment portfolio grows as an alternative that ensures additional sources of revenue, assures liquidity, diversification of placements and decreases risk exposure. Banks have at their disposal vast range of investment strategies that can be combined depending on their investment objectives and risk aversion, such as passive and active strategy, strategy of ladder, weights strategy etc. Therefore, the aim of this paper is to present the significance of investment portfolio in commercial banks and the basic management strategies of investment portfolio that can be used by commercial banks.

  11. Banco de sementes e flora emergente de plantas daninhas Seed bank and abovegroud weed

    Directory of Open Access Journals (Sweden)

    R.A. Isaac

    2008-01-01

    Full Text Available Com o objetivo estudar a relação existente entre o banco de sementes e o posterior estabelecimento da flora emergente de plantas daninhas, sob sistema de semeadura direta e convencional, realizou-se uma pesquisa no município de Pedra Preta-MT. O banco de sementes e a flora emergente foram avaliados, em cada sistema de cultivo, em 50 células contíguas de 1 m². O banco de sementes foi determinado a partir de amostras de 2,4% da área de cada célula na profundidade de 0-5 cm, em setembro de 2003, por meio da técnica de flotação. A flora emergente foi avaliada por meio de seis levantamentos sucessivos, até novembro de 2004, realizados na área total de cada célula, com retirada dos indivíduos após cada avaliação. Esses dados foram utilizados para calcular os parâmetros fitossociológicos e também a correlação entre o banco de sementes e a flora emergente. A similaridade entre o banco de sementes e a flora emergente foi baixa tanto no sistema de semeadura direta quanto no convencional. Houve correlação significativa apenas para Amaranthus deflexus e Eleusine indica entre o banco de sementes e a flora emergente. Para A. deflexus a correlação foi significativa nos dois sistemas de semeadura e, para E. indica, somente para semeadura direta.A study was carried out in Pedra Petra-MT aiming to study the relation between seed bank and posterior aboveground weed in annual crop fields under no-till and tillage systems. The seed bank and weed flora were assessed in fifty contiguous 1 m² cells, under both cultivation systems. The seed bank was determined from soil samples from 4% of the area of each cell at 0-5 cm depth using the flotation technique. The aboveground weed vegetation was evaluated by six successive surveys until November 2004, carried out in the total area of each cell, with removal of the individuals from the area after each evaluation. These data were used to calculate the phyto-sociological parameters and the

  12. [Soil seed bank formation during early revegetation of areas affected by mining in a tropical rain forest of Chocó, Colombia].

    Science.gov (United States)

    Valois-Cuesta, Hamleth; Martínez-Ruiz, Carolina; Urrutia-Rivas, Yorley

    2017-03-01

    Mining is one of the main economic activities in many tropical regions and is the cause of devastation of large areas of natural tropical forests. The knowledge of the regenerative potential of mining disturbed areas provides valuable information for their ecological restoration. The aim of this study was to evaluate the effect of age of abandonment of mines and their distance from the adjacent forest, on the formation of soil seed bank in abandoned mines in the San Juan, Chocó, Colombia. To do this, we determined the abundance and species composition of the soil seed bank, and the dynamics of seed rain in mines of different cessation period of mining activity (6 and 15 years), and at different distances from the adjacent forest matrix (50 and 100 m). Seed rain was composed by five species of plants with anemocorous dispersion, and was more abundant in the mine of 6 years than in the mine of 15 years. There were no significant differences in the number of seeds collected at 50 m and 100 m from the adjacent forest. The soil seed bank was represented by eight species: two with anemocorous dispersion (common among the seed rain species) and the rest with zoochorous dispersion. The abundance of seeds in the soil did not vary with the age of the mine, but was higher at close distances to the forest edge than far away. During the early revegetation, the formation of the soil seed bank in the mines seems to be related to their proximity to other disturbed areas, rather than their proximity to the adjacent forest or the cessation activity period of mines. Therefore, the establishment of artificial perches or the maintenance of isolated trees in the abandoned mines could favour the arrival of bird-dispersed seeds at mines. However, since the soil seed bank can be significantly affected by the high rainfall in the study area, more studies are needed to evaluate management actions to encourage soil seed bank formation in mines of high-rainfall environments in the Choc

  13. Changes in vegetation and soil seed bank of meadow after waterlogging caused by Castor fiber

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    Magdalena Franczak

    2015-07-01

    Full Text Available Soil waterlogging is among abiotic stresses that influence species composition and productivity in numerous plant communities. The aim of the study was to find answer to the question of how waterlogging caused by beavers’ activity induces quantitative and qualitative changes of vegetation and soil seed bank levels of variable-moist meadows. An immediate effect of the waterlogging at the level of vegetation was the decline in species richness and a decrease in the values of the biodiversity index. Water stress inhibited growth and development of plants already present and, primarily, impeded recruitment of new individuals of species characteristic of variable-moist meadows, e.g. Cirsium rivulare, Filipendula ulmaria and Lythrum salicaria, which were replaced by Carex acutiformis. Prolonged waterlogging did not induce equally substantial changes in the soil seed bank as in the vegetation. Both in the waterlogged and control patches, slightly decreased species richness and biodiversity index were recorded. After waterlogging withdrawal, the reserves of the soil seed bank were slightly higher than the initial values. The differences were not statistically significant. In the waterlogged patch, the qualitative floristic similarity between taxa identified in the soil seed bank and vegetation cover declined, which was evidenced by the value of Jaccard’s index decreasing from 0.46 to 0.36. A reverse relationship was found in control patch, where the value of the similarity index slightly increased from 0.41 to 0.48.

  14. The Short Term Effects of Fire Severity on Composition and Diversity of Soil Seed Bank in Zagros Forest Ecosystem, Servan County

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    M. Heydari

    2014-12-01

    Full Text Available In most ecosystems, disturbance is an important agent of variation in community structure and composition. Determining the diversity and composition of soil seed bank is essential for designing conservation and restoration programs because it can markedly contribute to future plant communities. Despite the important role of soil seed banks in the composition of different plant communities, and thus in their conservation, the floristic studies in Zagros forests have only focused on aboveground vegetation. In this study, the characteristics of soil seed banks were examined in three conditions after one year of fire high severity burned, low severity burned and control (not burned in Shirvanchardavol city in northeast of Ilam Province. The result of DCA showed that different fire severities and their effects on site conditions have been reflected clearly in the composition of the soil seed bank. The results also indicated that soil seed bank composition between control and high severity burned spots was specifically different. The shanon diversity, Margalef richness and evenness indices differed significantly between three treatments and the highest diversity was observed at low severity. In this regard the proportion of annual forbs tended to decrease with increasing severity of fire. In soil seed bank, Therophytes were the dominant life form of low severity burned and control spots and Hemichryptophytes were dominant in high severity burned spots.

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

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    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.

  16. Soil seed banks and growth rates of an invasive species, Piper aduncum, in the lowlands of Papua New Guinea

    NARCIS (Netherlands)

    Rogers, H.R.; Hartemink, A.E.

    2000-01-01

    Secondary fallow vegetation in parts of the Papua New Guinea lowlands is dominated by the shrub Piper aduncum L. that originates from South America. Here we report on its seed bank, growth rate and biomass accumulation. P. aduncum accounted for 69 % (408 m[minus sign]2) of the seed bank in the

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

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    Ahmad IRFAN

    2017-12-01

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

  18. Tree seed rain and seed removal, but not the seed bank, impede forest recovery in bracken (Pteridium aquilinum (L.) Kuhn)-dominated clearings in the African highlands.

    Science.gov (United States)

    Ssali, Fredrick; Moe, Stein R; Sheil, Douglas

    2018-04-01

    Considerable areas dominated by bracken Pteridium aquilinum (L.) Kuhn occur worldwide and are associated with arrested forest recovery. How forest recovery is impeded in these areas remains poorly understood, especially in the African highlands. The component processes that can lead to recruitment limitation-including low seed arrival, availability and persistence-are important determinants of plant communities and offer a potential explanation for bracken persistence. We investigated key processes that can contribute to recruitment limitation in bracken-dominated clearings in the Bwindi Impenetrable National Park, Uganda. We examined if differences in seed rain (dispersal limitation), soil seed bank, or seed removal (seed viability and persistence) can, individually or in combination, explain the differences in tree regeneration found between bracken-dominated areas and the neighboring forest. These processes were assessed along ten 50-m transects crossing the forest-bracken boundary. When compared to the neighboring forest, bracken clearings had fewer seedlings (bracken 11,557 ± 5482 vs. forest 34,515 ± 6066 seedlings/ha), lower seed rain (949 ± 582 vs. 1605 ± 335 tree seeds m -2  year -1 ), comparable but sparse soil seed bank (304 ± 236 vs. 264 ± 99 viable tree seeds/m 2 ), higher seed removal (70.1% ± 2.4% vs. 40.6% ± 2.4% over a 3-day interval), and markedly higher rodent densities (25.7 ± 5.4 vs. 5.0 ± 1.6 rodents per 100 trapping sessions). Camera traps revealed that rodents were the dominant animals visiting the seeds in our seed removal study. Synthesis : Recruitment limitation contributes to both the slow recovery of forest in bracken-dominated areas, and to the composition of the tree species that occur. Low seed arrival and low persistence of unburied seeds can both explain the reduced density of seedlings found in bracken versus neighboring forest. Seed removal, likely due to rodents, in particular appears sufficient to

  19. Assessment of soil seed bank from six different vegetation types in ...

    African Journals Online (AJOL)

    Kakamega forest, the only rainforest in Kenya, has faced extensive fragmentation and degradation over the last decades. Slow recovery of degraded areas is due to slow or no natural regeneration. An assessment was conducted to ascertain the contribution of soil seed bank in forest regeneration within six sites in ...

  20. Fruit dispersal and seed banks in Atriplex sagittata: the role of heterocarpy

    Czech Academy of Sciences Publication Activity Database

    Mandák, Bohumil; Pyšek, Petr

    2001-01-01

    Roč. 89, - (2001), s. 159-165 ISSN 0022-0477 R&D Projects: GA AV ČR KSK2005601 Institutional research plan: CEZ:AV0Z6005908 Keywords : Atriplex sagittata * Chenopodiaceae * seed bank Subject RIV: EF - Botanics Impact factor: 2.291, year: 2001

  1. 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

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

    Institute of Scientific and Technical Information of China (English)

    刘春红; 江静; 李杰

    2003-01-01

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

  3. Seed bank composition in a secondary forest in the Lower Delta of the Paraná River (Argentina

    Directory of Open Access Journals (Sweden)

    Fábio Kalesnik

    2013-03-01

    Full Text Available The native forests once occupying the coastal levees of the Lower Delta islands of the Paraná River (in Argentina have been replaced by commercial forests. Many of those forests have been abandoned, resulting in secondary forest formation that is subject to numerous invasive exotic species. A priori observations suggest that successional trends do not lead to recovery of the original forest. The aim of the present study was to analyze the role of invasive exotic species in these environments and the likelihood of recovery of the original forest cover. Therefore, we examined the composition of the seed bank and of the standing vegetation, as well as the population structure of tree species. Secondary forests are described as being in an intermediate successional stage, with few exotic species (mainly trees but with a high abundance of standing vegetation and seed banks. These exotic species will likely continue to successfully predominate in different forest strata over the next stages. Because of the low density of native tree species, it is difficult to predict their future persistence. In conclusion, ecological restoration strategies will be needed in order to increase native tree species richness and biodiversity of the forests in the Lower Delta of the Paraná River.

  4. Internet Banking Security Strategy: Securing Customer Trust

    OpenAIRE

    Frimpong Twum; Kwaku Ahenkora

    2012-01-01

    Internet banking strategies should enhance customers¡¯ online experiences which are affected by trust and security issues. This study provides perspectives of users and nonusers on internet banking security with a view to understanding trust and security factors in relation to adoption and continuous usage. Perception of internet banking security influenced usage intentions. Nonusers viewed internet banking to be insecure but users perceived it to be secure with perceived ease of use influenc...

  5. Influence of grazing on soil seed banks determines the restoration potential of aboveground vegetation in a semi-arid savanna in Ethiopia

    NARCIS (Netherlands)

    Tessema, Z.K.; Boer, de W.F.; Baars, R.M.T.; Prins, H.H.T.

    2012-01-01

    Species composition, number of emerging seedlings, species diversity and functional group of the soil seed banks, and the influence of grazing on the similarity between the soil seed banks and aboveground vegetation, were studied in 2008 and 2009 in a semi-arid savanna of Ethiopia. We tested whether

  6. Operational Strategy for Mobile Banking in India

    OpenAIRE

    Manjunath, Gowtham

    2010-01-01

    Mobile banking (m-banking) business concepts have become ‘talk of the town’ these days. There has been considerable development in this field and what m-banking concept can offer. M-Rupee has developed a business model and plan to establish a mobile banking business in India taking the opportunity of the new unexplored market. This report is constructed in conjunction with the business plan, which describes the formulation and broader aspects of M-Rupee operational strategy. To understand ...

  7. Storage on maternal plants affects light and temperature on requirements during germination in two small seeded halophytes in the arabian deserts

    International Nuclear Information System (INIS)

    Ali, A.; Gairola, S.

    2015-01-01

    Seeds are either stored in a soil seed bank or retained on maternal plants until they are released (aerial seed bank). Though there are extensive studies on the germination requirements of seeds in soil banks of saline habitats, studies conducted for halophytes with aerial seed banks are rare. We assessed the impact of aerial and room-temperature storages on the light and temperature requirements during germination in two small-seeded halophytes: Halocnmum strobilaceum having a short-term aerial seed bank (less than one year) and Halopeplis perfoliata having a longer term aerial seed bank (up to two years). Seed storage in the aerial bank reduced the germination in H. strobilaceum, but either increased it (5-months storage) or had no effect (17-months storage) in H. perfoliata. Seeds of both species that were stored in aerial bank germinated to higher percentages in light than in darkness, indicating that considerable portions of the seed populations are light sensitive. Seeds of H. perfoliata attained less than 5.0 percentage germination in darkness at higher temperatures, compared to more than 90.0 percentage in light. The results support the hypothesis that the aerial seed bank is an adaptive strategy for survival in the saline habitats of the two species. (author)

  8. Strategi Pengembangan Bank Sampah di Wilayah Depok

    Directory of Open Access Journals (Sweden)

    Linda Fitrina Hasnam

    2017-09-01

    Full Text Available Waste is a global problem in all countries, including Indonesia, because the accumulation of waste generated is directly proportional to the number of Indonesian population reached 256 million in 2015. The purpose of this study was to identify factors EFE and IFE waste banks in order to survive and sustainable (sustain. Data collection techniques using FGD, expert interviews and questionnaires by WPL Waste Bank customers and their auxiliaries. Data analysis using SWOT and AHP to determine in detail the strategies and priorities for the development activities of the waste bank. The results of the analysis EFE and IFE waste banks shows that this activity is stable and has the potential to grow and develop with consistent with the activities that have taken place, has business planning and development purposes for waste banks, expanding the network of relationships or networking with outsiders and penetration and market development to drive Sales of products of waste processing.Keywords: waste bank, community empowerment, social entrepreneurship, SWOT, AHPAbstrak: Sampah adalah masalah global di semua negara termasuk Indonesia, sebab akumulasi sampah yang dihasilkan berbanding lurus dengan jumlah penduduk Indonesia yang mencapai 256 juta jiwa pada tahun 2015. Tujuan penelitian ini adalah untuk mengidentifikasi faktor EFE dan IFE bank sampah agar dapat bertahan serta berkelanjutan (sustain. Teknik pengumpulan data menggunakan FGD, wawancara pakar dan pengisian kuesioner oleh nasabah Bank Sampah WPL dan binaannya. Analisis data menggunakan metode SWOT dan AHP untuk menentukan strategi secara detail dan prioritas utama pengembangan kegiatan bank sampah. Hasil analisis EFE dan IFE bank sampah menunjukkan bahwa kegiatan ini berpotensi untuk tumbuh dan berkembang dengan tetap konsisten melakukan kegiatan yang telah berlangsung, memiliki perencanaan bisnis dan tujuan pengembangan bank sampah, memperluas jaringan hubungan atau networking dengan pihak luar

  9. Defense enzyme responses in dormant wild oat and wheat caryopses challenged with a seed decay pathogen

    Science.gov (United States)

    Seed dormancy and resistance to seed decay organisms are fundamental ecological strategies for weed seed persistence in the weed seed-bank. Seeds have well-established physical, chemical, and biological defense mechanisms that protect their food reserves from decay-inducing organisms and herbivores....

  10. Understanding Lolium rigidum Seeds: The Key to Managing a Problem Weed?

    Directory of Open Access Journals (Sweden)

    Kathryn J. Steadman

    2012-09-01

    Full Text Available The 40 million hectare southern Australian winter cropping region suffers from widespread infestation by Lolium rigidum (commonly known as annual or rigid ryegrass, a Mediterranean species initially introduced as a pasture plant. Along with its high competitiveness within crops, rapid adaptability and widespread resistance to herbicides, the dormancy of its seeds means that L. rigidum is the primary weed in southern Australian agriculture. With the individuals within a L. rigidum population exhibiting varying levels of seed dormancy, germination can be staggered across the crop-growing season, making complete weed removal virtually impossible, and ensuring that the weed seed bank is constantly replenished. By understanding the processes involved in induction and release of dormancy in L. rigidum seeds, it may be possible to develop strategies to more effectively manage this pest without further stretching herbicide resources. This review examines L. rigidum seed dormancy and germination from a weed-management perspective and explains how the seed bank can be depleted by control strategies encompassing all stages in the lifecycle of a seed, from development to germination.

  11. Soil seed bank during succession at an abandoned pasture in the upper Paraná river-floodplain, Brazil - doi: 10.4025/actascibiolsci.v33i1.6391 Soil seed bank during succession at an abandoned pasture in the upper Paraná river-floodplain, Brazil - doi: 10.4025/actascibiolsci.v33i1.6391

    Directory of Open Access Journals (Sweden)

    João Batista Campos

    2011-02-01

    Full Text Available We evaluated density and species composition of the soil seed bank in active pasture and in secondary forest on a 10 year-old abandoned pasture to identify changes in density, richness, diversity and species composition during secondary succession of abandoned pastures. The implications of those changes for the forest recovery process were also considered. Soil samples were collected at Porto Rico island, state of Paraná, in 2007. The seedling emergence method was used. Data on active pasture collected in 1996, published by Campos and Souza (2003 were used for comparative analysis. No evidence was found of a pattern of changes in density of the soil seed bank during succession of abandoned pastures. We observed increases in richness and diversity, in the contribution of tree and shrub species and dominance of herb species for the seed bank during the first 10 years of abandonment of pastures in riparian forests. At the end of succession, the soil used as pasture can result in systems that are different from the original environment, due to seed bank impoverishment and presence of exotic species.We evaluated density and species composition of the soil seed bank in active pasture and in secondary forest on a 10 year-old abandoned pasture to identify changes in density, richness, diversity and species composition during secondary succession of abandoned pastures. The implications of those changes for the forest recovery process were also considered. Soil samples were collected at Porto Rico island, state of Paraná, in 2007. The seedling emergence method was used. Data on active pasture collected in 1996, published by Campos and Souza (2003 were used for comparative analysis. No evidence was found of a pattern of changes in density of the soil seed bank during succession of abandoned pastures. We observed increases in richness and diversity, in the contribution of tree and shrub species and dominance of herb species for the seed bank during the

  12. Impacts of Mastication: Soil Seed Bank Responses to a Forest Thinning Treatment in Three Colorado (USA Conifer Forest Types

    Directory of Open Access Journals (Sweden)

    Akasha M. Faist

    2015-08-01

    Full Text Available Mastication is a forest fuel thinning treatment that involves chipping or shredding small trees and shrubs and depositing the material across the forest floor. By decreasing forest density mastication has been shown to lessen crown fire hazard, yet other impacts have only recently started to be studied. Our study evaluates how mastication treatments alter the density and composition of soil seed banks in three Colorado conifer forest types. The three forest types were (1 lodgepole pine, (2 ponderosa pine and (3 pinyon pine-juniper. Results showed that masticated sites contained higher seed bank densities than untreated sites: a pattern primarily driven by treatment effects in ponderosa pine forests. The seed bank was dominated by forbs regardless of forest type or treatment. This pattern of forb dominance was not observed in the aboveground vegetation cover as it demonstrated more even proportions of the functional groups. Graminoids showed a higher seed density in treated sites than untreated and, similarly, the identified non-native species only occurred in the treated ponderosa pine sites suggesting a potential belowground invasion for this forest type. These results suggest that presence of masticated material might not be creating a physical barrier hindering the transfer of seeds as predicted.

  13. Influence of Afforestation on the Species Diversity of the Soil Seed Bank and Understory Vegetation in the Hill-Gullied Loess Plateau, China.

    Science.gov (United States)

    Wang, Ning; Jiao, Juying; Jia, Yanfeng; Wang, Dongli

    2017-10-24

    The Chinese Loess Plateau region has long been suffering from serious soil erosion. Thus, large-scale afforestation has continued during the past decades in order to control soil erosion. Afforestation can dramatically alter nutrient cycles, affect soil-carbon storage, and change hydrology. However, it is unknown how afforestation influences species diversity of the soil seed bank and understory vegetation compared with spontaneous restoration of abandoned land. Forest land with trees planted 30 years ago, abandoned slope land restored spontaneously for 30 years, and the corresponding slopes with remnant natural vegetation were selected as sampling sites. The species richness both in the soil seed bank and vegetation was significantly higher on the afforested slope compared to the spontaneously restored abandoned land. The species similarity between the afforested slope and the remnant slope land was high both in the soil seed bank and standing vegetation compared to the abandoned land. The soil seed bank density varied from 1778 ± 187 to 3896 ± 221 seeds/m², and more than half of it was constituted by annual and biennial species, with no significant difference among sampling habitats. However, the afforested slope had higher seed density of grass and shrub/subshrubs compared to the abandoned slope. The present study indicates that in the study region, characterized by serious soil erosion, afforestation can better facilitate vegetation succession compared to spontaneously restoration of abandoned slope land.

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

    Directory of Open Access Journals (Sweden)

    Anna Szelągowska

    2015-07-01

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

  15. Impact of municipal wastewater effluent on seed bank response and soils excavated from a wetland impoundment

    Science.gov (United States)

    Finocchiaro, R.G.; Kremer, R.J.; Fredrickson, L.H.

    2009-01-01

    Intensive management of wetlands to improve wildlife habitat typically includes the manipulation of water depth, duration, and timing to promote desired vegetation communities. Increased societal, industrial, and agricultural demands for water may encourage the use of alternative sources such as wastewater effluents in managed wetlands. However, water quality is commonly overlooked as an influence on wetland soil seed banks and soils. In four separate greenhouse trials conducted over a 2-yr period, we examined the effects of municipal wastewater effluent (WWE) on vegetation of wetland seed banks and soils excavated from a wildlife management area in Missouri, USA. We used microcosms filled with one of two soil materials and irrigated with WWE, Missouri River water, or deionized water to simulate moist-soil conditions. Vegetation that germinated from the soil seed bank was allowed to grow in microcosms for approximately 100 d. Vegetative taxa richness, plant density, and biomass were significantly reduced in WWE-irrigated soil materials compared with other water sources. Salinity and sodicity rapidly increased in WWE-irrigated microcosms and probably was responsible for inhibiting germination or interfering with seedling development. Our results indicate that irrigation with WWE promoted saline-sodic soil conditions, which alters the vegetation community by inhibiting germination or seedling development. ?? 2009, The Society of Wetland Scientists.

  16. Impact of invasions by alien plants on soil seed bank communities: emerging patterns

    Czech Academy of Sciences Publication Activity Database

    Gioria, Margherita; Jarošík, Vojtěch; Pyšek, Petr

    2014-01-01

    Roč. 16, č. 3 (2014), s. 132-142 ISSN 1433-8319 R&D Projects: GA ČR(CZ) GAP504/11/1028; GA ČR GB14-36079G Institutional support: RVO:67985939 Keywords : plant invasions * impact * soil seed bank Subject RIV: EF - Botanics Impact factor: 3.606, year: 2014

  17. Banking or Bankrupting: Strategies for Sustaining the Economic Future of Public Cord Blood Banks.

    Science.gov (United States)

    Magalon, Jeremy; Maiers, Martin; Kurtzberg, Joanne; Navarrete, Cristina; Rubinstein, Pablo; Brown, Colin; Schramm, Catherine; Larghero, Jérome; Katsahian, Sandrine; Chabannon, Christian; Picard, Christophe; Platz, Alexander; Schmidt, Alexander; Katz, Gregory

    2015-01-01

    Cord blood is an important source of stem cells. However, nearly 90% of public cord blood banks have declared that they are struggling to maintain their financial sustainability and avoid bankruptcy. The objective of this study is to evaluate how characteristics of cord blood units influence their utilization, then use this information to model the economic viability and therapeutic value of different banking strategies. Retrospective analysis of cord blood data registered between January 1st, 2009 and December 31st, 2011 in Bone Marrow Donor Worldwide. Data were collected from four public banks in France, Germany and the USA. Samples were eligible for inclusion in the analysis if data on cord blood and maternal HLA typing and biological characteristics after processing were available (total nucleated and CD34+ cell counts). 9,396 banked cord blood units were analyzed, of which 5,815 were Caucasian in origin. A multivariate logistic regression model assessed the influence of three parameters on the CBU utilization rate: ethnic background, total nucleated and CD34+ cell counts. From this model, we elaborated a Utilization Score reflecting the probability of transplantation for each cord blood unit. We stratified three Utilization Score thresholds representing four different banking strategies, from the least selective (scenario A) to the most selective (scenario D). We measured the cost-effectiveness ratio for each strategy by comparing performance in terms of number of transplanted cord blood units and level of financial deficit. When comparing inputs and outputs over three years, Scenario A represented the most extreme case as it delivered the highest therapeutic value for patients (284 CBUs transplanted) along with the highest financial deficit (USD 5.89 million). We found that scenario C resulted in 219 CBUs transplanted with a limited deficit (USD 0.98 million) that charities and public health could realistically finance over the long term. We also found that

  18. Banking or Bankrupting: Strategies for Sustaining the Economic Future of Public Cord Blood Banks

    Science.gov (United States)

    Magalon, Jeremy; Maiers, Martin; Kurtzberg, Joanne; Navarrete, Cristina; Rubinstein, Pablo; Brown, Colin; Schramm, Catherine; Larghero, Jérome; Katsahian, Sandrine; Chabannon, Christian; Picard, Christophe; Platz, Alexander; Schmidt, Alexander; Katz, Gregory

    2015-01-01

    Background Cord blood is an important source of stem cells. However, nearly 90% of public cord blood banks have declared that they are struggling to maintain their financial sustainability and avoid bankruptcy. The objective of this study is to evaluate how characteristics of cord blood units influence their utilization, then use this information to model the economic viability and therapeutic value of different banking strategies. Methods Retrospective analysis of cord blood data registered between January 1st, 2009 and December 31st, 2011 in Bone Marrow Donor Worldwide. Data were collected from four public banks in France, Germany and the USA. Samples were eligible for inclusion in the analysis if data on cord blood and maternal HLA typing and biological characteristics after processing were available (total nucleated and CD34+ cell counts). 9,396 banked cord blood units were analyzed, of which 5,815 were Caucasian in origin. A multivariate logistic regression model assessed the influence of three parameters on the CBU utilization rate: ethnic background, total nucleated and CD34+ cell counts. From this model, we elaborated a Utilization Score reflecting the probability of transplantation for each cord blood unit. We stratified three Utilization Score thresholds representing four different banking strategies, from the least selective (scenario A) to the most selective (scenario D). We measured the cost-effectiveness ratio for each strategy by comparing performance in terms of number of transplanted cord blood units and level of financial deficit. Results When comparing inputs and outputs over three years, Scenario A represented the most extreme case as it delivered the highest therapeutic value for patients (284 CBUs transplanted) along with the highest financial deficit (USD 5.89 million). We found that scenario C resulted in 219 CBUs transplanted with a limited deficit (USD 0.98 million) that charities and public health could realistically finance over the long

  19. Banking or Bankrupting: Strategies for Sustaining the Economic Future of Public Cord Blood Banks.

    Directory of Open Access Journals (Sweden)

    Jeremy Magalon

    Full Text Available Cord blood is an important source of stem cells. However, nearly 90% of public cord blood banks have declared that they are struggling to maintain their financial sustainability and avoid bankruptcy. The objective of this study is to evaluate how characteristics of cord blood units influence their utilization, then use this information to model the economic viability and therapeutic value of different banking strategies.Retrospective analysis of cord blood data registered between January 1st, 2009 and December 31st, 2011 in Bone Marrow Donor Worldwide. Data were collected from four public banks in France, Germany and the USA. Samples were eligible for inclusion in the analysis if data on cord blood and maternal HLA typing and biological characteristics after processing were available (total nucleated and CD34+ cell counts. 9,396 banked cord blood units were analyzed, of which 5,815 were Caucasian in origin. A multivariate logistic regression model assessed the influence of three parameters on the CBU utilization rate: ethnic background, total nucleated and CD34+ cell counts. From this model, we elaborated a Utilization Score reflecting the probability of transplantation for each cord blood unit. We stratified three Utilization Score thresholds representing four different banking strategies, from the least selective (scenario A to the most selective (scenario D. We measured the cost-effectiveness ratio for each strategy by comparing performance in terms of number of transplanted cord blood units and level of financial deficit.When comparing inputs and outputs over three years, Scenario A represented the most extreme case as it delivered the highest therapeutic value for patients (284 CBUs transplanted along with the highest financial deficit (USD 5.89 million. We found that scenario C resulted in 219 CBUs transplanted with a limited deficit (USD 0.98 million that charities and public health could realistically finance over the long term. We also

  20. The weed seed bank assessment in two soil depths under various mineral fertilising

    Directory of Open Access Journals (Sweden)

    Elena Hunková

    2011-01-01

    Full Text Available The field trial at the experimental station of Slovak Agricultural University in Nitra - Kolíňany (Slovak Republic, maize growing region, Haplic Luvisol and Stagni-Haplic Luvisol in 1997 year was established. Experiments were based on 14 ha area (424 x 432.2 m by long strips method. The impact of different mineral fertilisers on six model crops was observed: winter wheat, spring barley, sunflower, winter oilseed rape, maize and sugar beet. Weed infestation of winter wheat, spring barley, maize and sugar beet as well as weed seed bank composition since 2000 year till 2002 year were detected. Three variants of mineral fertilisation were applied: variant 1 – without fertilisers, variant 2 – N-P-K fertilisation, steady state soil nutrients balance, variant 3 – high doses of N-P-K fertilisers (positive soil nutrients balance. Soil weed seed bank was analysed once per year before crop germination (on February from depths 0–0.05 m and 0.20–0.25 m in five replicates. From the depth 0–0.05 m 26 weed species were found, from the depth 0.20–0.25 m 23 weed species, from late spring group mainly. Chenopodium album, Stellaria media and Amaranthus spp. (77.57 % from intact seeds in total were the most occurred weeds in both depths. The year, depth of soil sampling and fertilisation did not have statistically significant impact on weed seeds number in the soil.

  1. Influence of Afforestation on the Species Diversity of the Soil Seed Bank and Understory Vegetation in the Hill-Gullied Loess Plateau, China

    Science.gov (United States)

    Wang, Ning; Jiao, Juying; Jia, Yanfeng; Wang, Dongli

    2017-01-01

    The Chinese Loess Plateau region has long been suffering from serious soil erosion. Thus, large-scale afforestation has continued during the past decades in order to control soil erosion. Afforestation can dramatically alter nutrient cycles, affect soil-carbon storage, and change hydrology. However, it is unknown how afforestation influences species diversity of the soil seed bank and understory vegetation compared with spontaneous restoration of abandoned land. Forest land with trees planted 30 years ago, abandoned slope land restored spontaneously for 30 years, and the corresponding slopes with remnant natural vegetation were selected as sampling sites. The species richness both in the soil seed bank and vegetation was significantly higher on the afforested slope compared to the spontaneously restored abandoned land. The species similarity between the afforested slope and the remnant slope land was high both in the soil seed bank and standing vegetation compared to the abandoned land. The soil seed bank density varied from 1778 ± 187 to 3896 ± 221 seeds/m2, and more than half of it was constituted by annual and biennial species, with no significant difference among sampling habitats. However, the afforested slope had higher seed density of grass and shrub/subshrubs compared to the abandoned slope. The present study indicates that in the study region, characterized by serious soil erosion, afforestation can better facilitate vegetation succession compared to spontaneously restoration of abandoned slope land. PMID:29064405

  2. Using soil seed banks to assess temporal patterns of genetic variation in invasive plant populations.

    Science.gov (United States)

    Fennell, Mark; Gallagher, Tommy; Vintro, Luis Leon; Osborne, Bruce

    2014-05-01

    Most research on the genetics of invasive plant species has focused on analyzing spatial differences among existing populations. Using a long-established Gunnera tinctoria population from Ireland, we evaluated the potential of using plants derived from seeds associated with different soil layers to track genetic variation through time. This species and site were chosen because (1) G. tinctoria produces a large and persistent seed bank; (2) it has been present in this locality, Sraheens, for ∼90 years; (3) the soil is largely undisturbed; and (4) the soil's age can be reliably determined radiometrically at different depths. Amplified fragment length polymorphic markers (AFLPs) were used to assess differences in the genetic structure of 75 individuals sampled from both the standing population and from four soil layers, which spanned 18 cm (estimated at ∼90 years based on (210)Pb and (137)Cs dating). While there are difficulties in interpreting such data, including accounting for the effects of selection, seed loss, and seed migration, a clear pattern of lower total allele counts, percentage polymorphic loci, and genetic diversity was observed in deeper soils. The greatest percentage increase in the measured genetic variables occurred prior to the shift from the lag to the exponential range expansion phases and may be of adaptive significance. These findings highlight that seed banks in areas with long-established invasive populations can contain valuable genetic information relating to invasion processes and as such, should not be overlooked.

  3. An Overview of Optimizing Strategies for Flotation Banks

    Directory of Open Access Journals (Sweden)

    Miguel Maldonado

    2012-10-01

    Full Text Available A flotation bank is a serial arrangement of cells. How to optimally operate a bank remains a challenge. This article reviews three reported strategies: air profiling, mass-pull (froth velocity profiling and Peak Air Recovery (PAR profiling. These are all ways of manipulating the recovery profile down a bank, which may be the property being exploited. Mathematical analysis has shown that a flat cell-by-cell recovery profile maximizes the separation of two floatable minerals for a given target bank recovery when the relative floatability is constant down the bank. Available bank survey data are analyzed with respect to recovery profiling. Possible variations on recovery profile to minimize entrainment are discussed.

  4. Importance of credit strategy for banks

    OpenAIRE

    Valvonis, Vytautas

    2009-01-01

    Šiame straipsnyje atskleidžiama kredito strategijos dokumento reikšmė banko veikloje, pateikiami siūlymai šio dokumento turiniui, tikslui ir funkcijoms. Siekiant šio tikslo straipsnyje analizuojami rizikos kontrolės ir valdymo bei verslo padalinių bendradarbiavimo banke ypatumai. This paper shows credit strategy document functions in a bank and gives proposals on its contents and goals, also reveals its importance. To achieve this goal cooperation between business and risk control / manage...

  5. Using soil seed banks to assess temporal patterns of genetic variation in invasive plant populations

    OpenAIRE

    Fennell, Mark; Gallagher, Tommy; Vintro, Luis Leon; Osborne, Bruce

    2014-01-01

    Most research on the genetics of invasive plant species has focused on analyzing spatial differences among existing populations. Using a long-established Gunnera tinctoria population from Ireland, we evaluated the potential of using plants derived from seeds associated with different soil layers to track genetic variation through time. This species and site were chosen because (1) G. tinctoria produces a large and persistent seed bank; (2) it has been present in this locality, Sraheens, for ∼...

  6. Soil Seed Bank Dynamics in Tithonia diversifolia Dominated Fallowland Vegetation in Ile-Ife Area of Southwestern Nigeria

    Directory of Open Access Journals (Sweden)

    Samson Olajide OKE

    2009-12-01

    Full Text Available The soil seedbank of Tithonia diversifolia, an invasive species which dominates open waste fallowland vegetation was studied. Two different roadside sites which vary in extent of open waste land were selected.The species composition of the established vegetation was assessed in the two diferent sites. Twenty top soil samples were collected at five different distances (15 cm, 30 cm, 45 cm, 60 cm, and 75 cm inwards away from each main road in dry and rainy seasons and the seed bank composition was determined by greenhouse germination over a 6 month period. The similarity between the composition of the seed bank flora and that of the established vegetation was low. The least and the highest emerged seedlings density was recorded in the 15 metres and 75 metres respectively inwards away from the main road in both seasons. The results of the seedlings emergence is a reflection of the extent of open waste land dominated by the invasive species due to human disturbance (road construction on both sites. Overall results suggest that the emergence of the species from the soil seed bank may be due to the impact of the invasive species Tithonia diversifolia on other plant species in the study environment.

  7. Germination and soil seed bank traits of Podocarpus angustifolius (Podocarpaceae: an endemic tree species from Cuban rain forests

    Directory of Open Access Journals (Sweden)

    Pablo Ferrandis

    2011-09-01

    Full Text Available Podocarpus angustifolius is an endangered recalcitrant-seeded small tree, endemic to mountain rain forests in the central and Pinar del Río regions in Cuba. In this study, the germination patterns of P. angustifolius seeds were evaluated and the nature of the soil seed bank was determined. Using a weighted two-factor design, we analyzed the combined germination response to seed source (i.e. freshly matured seeds directly collected from trees versus seeds extracted from soil samples and pretreatment (i.e. seed water-immersion for 48h at room temperature. Germination was delayed for four weeks (≈30 days in all cases, regardless of both factors analyzed. Moreover, nine additional days were necessary to achieve high germination values (in the case of fresh, pretreated seeds. These results overall may indicate the existence of a non-deep simple morphophysiological dormancy in P. angustifolius seeds. The water-immersion significantly enhanced seed germination, probably as a result of the hydration of recalcitrant seeds. Although germination of seeds extracted from soil samples was low, probably due to aging and pathogen effects throughout the time of burial, the study revealed the existence of a persistent soil seed bank (at least short-termed of ≈42 viable seeds per m² in the upper 10cm of soil. Such a record is noteworthy since references to persistent soil seed banks in recalcitrant-seeded species are scarce in the literature. The population consequences derived from the formation of persistent soil seed banks in this endangered species are discussed. Rev. Biol. Trop. 59 (3: 1061-1069. Epub 2011 September 01.Podocarpus angustifolius es un árbol endémico de los bosques lluviosos de la región de Pinar del Río y la parte central de Cuba, que se encuentra en peligro de extinción. En este estudio se evaluó la germinación de sus semillas y la naturaleza del banco de semillas del suelo. Específicamente, se analizó la respuesta germinativa

  8. Effects of simulated acid rain on germination, seedling growth and oxidative metabolism of recalcitrant-seeded Trichilia dregeana grown in its natural seed bank.

    Science.gov (United States)

    Ramlall, Chandika; Varghese, Boby; Ramdhani, Syd; Pammenter, Norman W; Bhatt, Arvind; Berjak, Patricia; Sershen

    2015-01-01

    Increased air pollution in a number of developing African countries, together with the reports of vegetation damage typically associated with acid precipitation in commercial forests in South Africa, has raised concerns over the potential impacts of acid rain on natural vegetation in these countries. Recalcitrant (i.e. desiccation sensitive) seeds of many indigenous African species, e.g. must germinate shortly after shedding and hence, may not be able to avoid exposure to acid rain in polluted areas. This study investigated the effects of simulated acid rain (rainwater with pH adjusted to pH 3.0 and 4.5 with 70:30, H2 SO4 :HNO3 ) on germination, seedling growth and oxidative metabolism in a recalcitrant-seeded African tree species Trichilia dregeana Sond., growing in its natural seed bank. The results suggest that acid rain did not compromise T. dregeana seed germination and seedling establishment significantly, relative to the control (non-acidified rainwater). However, pH 3.0 treated seedlings exhibited signs of stress typically associated with acid rain: leaf tip necrosis, abnormal bilobed leaf tips, leaf necrotic spots and chlorosis, reduced leaf chlorophyll concentration, increased stomatal density and indications of oxidative stress. This may explain why total and root biomass of pH 3.0 treated seedlings were significantly lower than the control. Acid rain also induced changes in the species composition and relative abundance of the different life forms emerging from T. dregeana's natural seed bank and in this way could indirectly impact on T. dregeana seedling establishment success. © 2014 Scandinavian Plant Physiology Society.

  9. Seed-bank structure and plant-recruitment conditions regulate the dynamics of a grassland-shrubland Chihuahuan ecotone.

    Science.gov (United States)

    Moreno-de Las Heras, Mariano; Turnbull, Laura; Wainwright, John

    2016-09-01

    Large areas of desert grasslands in the southwestern United States have shifted to sparse shrublands dominated by drought-tolerant woody species over the last 150 yr, accompanied by accelerated soil erosion. An important step toward the understanding of patterns in species dominance and vegetation change at desert grassland-shrubland transitions is the study of environmental limitations imposed by the shrub-encroachment phenomenon on plant establishment. Here, we analyze the structure of soil seed banks, environmental limitations for seed germination (i.e., soil-water availability and temperature), and simulated seedling emergence and early establishment of dominant species (black grama, Bouteloua eriopoda, and creosotebush, Larrea tridentata) across a Chihuahuan grassland-shrubland ecotone (Sevilleta National Wildlife Refuge, New Mexico, USA). Average viable seed density in soils across the ecotone is generally low (200-400 seeds/m 2 ), although is largely concentrated in densely vegetated areas (with peaks up to 800-1,200 seeds/m 2 in vegetated patches). Species composition in the seed bank is strongly affected by shrub encroachment, with seed densities of grass species sharply decreasing in shrub-dominated sites. Environmental conditions for seed germination and seedling emergence are synchronized with the summer monsoon. Soil-moisture conditions for seedling establishment of B. eriopoda take place with a recurrence interval ranging between 5 and 8 yr for grassland and shrubland sites, respectively, and are favored by strong monsoonal precipitation. Limited L. tridentata seed dispersal and a narrow range of rainfall conditions for early seedling establishment (50-100 mm for five to six consecutive weeks) constrain shrub-recruitment pulses to localized and episodic decadal events (9-25 yr recurrence intervals) generally associated with late-summer rainfall. Re-establishment of B. eriopoda in areas now dominated by L. tridentata is strongly limited by the

  10. Development of Communication Strategies for the Marketing of Electronic Banking Services for Individuals

    Directory of Open Access Journals (Sweden)

    Dunas Natalia V.

    2017-03-01

    Full Text Available The main aim of the article is to study the trends in the development of communication strategies for the marketing of electronic banking services for individuals by studying the foreign experience in Digital Banking, as well as the situation in the Ukrainian banking market. There offered a comparative characteristic of banking systems of electronic banking services for clients with the purpose of working out flexible methodological approaches for the development of marketing communication strategies for remote client servicing. The characteristic features of electronic banking services and technologies in Ukraine are determined. Comparative evaluation of positive aspects and risks of remote electronic banking systems for banks as well as their client segment is conducted. Analytical aspects of the sociological survey of European banks regarding the selection of the most important priorities of the marketing strategies of financial institutions for 2017 are presented. Also the main factors determining the development of marketing communications of banks and their clients in the field of electronic payments both in Ukraine and abroad are identified. Modern directions of development of communication strategies of marketing of electronic banking services for individuals in Ukraine are proposed.

  11. CONSIDERATIONS REGARDING THE MANAGEMENT STRATEGIES OF BANK RISKS

    Directory of Open Access Journals (Sweden)

    NICOLETA GEORGETA PANAIT

    2015-12-01

    Full Text Available The study summarizes what it means banking risks, the main risk management strategies. The complexity of the business environment, liberalization and internationalization of financial flows, brings rapid innovation, diversified financial markets, new opportunities but multiplied risks. Banks establish the types of risks they are prepared to take and the threshold at which risk is considered significant. The process of determining the risks that are taken includes the nature, the scale and the complexity of banks.

  12. Soil seed banks and their germination responses to cadmium and salinity stresses in coastal wetlands affected by reclamation and urbanization based on indoor and outdoor experiments

    Energy Technology Data Exchange (ETDEWEB)

    Bai, Junhong, E-mail: junhongbai@163.com; Huang, Laibin, E-mail: seahuanglaibin@gmail.com; Gao, Zhaoqin; Lu, Qiongqiong; Wang, Junjing; Zhao, Qingqing

    2014-09-15

    Highlights: • A higher germination rate of soil seed bank was observed in the indoor experiment. • The outdoor experiment showed larger number and destiny of germinated seedlings. • Urbanization had greater impacts on soil seed banks than wetland reclamation. • Soil seed banks for wetland restoration were more suitable in the reclaimed region. • Suitable salt or Cd levels could activate seedling emergence in the soil seed bank. - Abstract: Indoor and outdoor seedling emergence experiments were conducted to thoroughly investigate germination patterns as affected by reclamation and urbanization, the ecological characteristics of soil seed banks, and their relationships with environmental factors in both urbanized and reclaimed regions of the Pearl River Delta in coastal wetlands. The germination rate of the soil seed bank was higher in the indoor experiment compared with that in the outdoor experiment, whereas the number and destiny of the germinated seedlings were greater in the outdoor experiment. The species diversity and number, as well as the richness and evenness indices, were higher in the urbanized region compared with the reclaimed region. However, the dominance and Sørensen similarity indices were greater in the reclaimed region compared with those indices in the urbanized region. Higher salinity and Cadmium (Cd) levels could inhibit seed germination; however, their suitable ranges (i.e. [0–2000 mg kg{sup −1}] for salinity and [0–4.0 mg kg{sup −1}] for available Cd) can activate seedling emergence, and more seedlings germinated under the intersectional levels at 0.34 mg kg{sup −1} available Cd and 778.6 mg kg{sup −1} salinity. Seawater intrusion caused by the sea level rise will possibly result in the salt-tolerant community in this area due to increasing salinity.

  13. Soil seed banks and their germination responses to cadmium and salinity stresses in coastal wetlands affected by reclamation and urbanization based on indoor and outdoor experiments

    International Nuclear Information System (INIS)

    Bai, Junhong; Huang, Laibin; Gao, Zhaoqin; Lu, Qiongqiong; Wang, Junjing; Zhao, Qingqing

    2014-01-01

    Highlights: • A higher germination rate of soil seed bank was observed in the indoor experiment. • The outdoor experiment showed larger number and destiny of germinated seedlings. • Urbanization had greater impacts on soil seed banks than wetland reclamation. • Soil seed banks for wetland restoration were more suitable in the reclaimed region. • Suitable salt or Cd levels could activate seedling emergence in the soil seed bank. - Abstract: Indoor and outdoor seedling emergence experiments were conducted to thoroughly investigate germination patterns as affected by reclamation and urbanization, the ecological characteristics of soil seed banks, and their relationships with environmental factors in both urbanized and reclaimed regions of the Pearl River Delta in coastal wetlands. The germination rate of the soil seed bank was higher in the indoor experiment compared with that in the outdoor experiment, whereas the number and destiny of the germinated seedlings were greater in the outdoor experiment. The species diversity and number, as well as the richness and evenness indices, were higher in the urbanized region compared with the reclaimed region. However, the dominance and Sørensen similarity indices were greater in the reclaimed region compared with those indices in the urbanized region. Higher salinity and Cadmium (Cd) levels could inhibit seed germination; however, their suitable ranges (i.e. [0–2000 mg kg −1 ] for salinity and [0–4.0 mg kg −1 ] for available Cd) can activate seedling emergence, and more seedlings germinated under the intersectional levels at 0.34 mg kg −1 available Cd and 778.6 mg kg −1 salinity. Seawater intrusion caused by the sea level rise will possibly result in the salt-tolerant community in this area due to increasing salinity

  14. Seed banks of managed and degraded grasslands in the Krkonoše Mts., Czech Republic

    Czech Academy of Sciences Publication Activity Database

    Handlová, Viola; Münzbergová, Zuzana

    2006-01-01

    Roč. 41, - (2006), s. 275-288 ISSN 1211-9520 R&D Projects: GA ČR GA526/05/0430 Institutional research plan: CEZ:AV0Z60050516 Keywords : degradation * mountain grasslands * seed bank Subject RIV: EF - Botanics Impact factor: 1.196, year: 2006

  15. Seed dormancy, seedling establishment and dynamics of the soil seed bank of Stipa bungeana (Poaceae on the Loess Plateau of northwestern China.

    Directory of Open Access Journals (Sweden)

    Xiao Wen Hu

    Full Text Available Studying seed dormancy and its consequent effect can provide important information for vegetation restoration and management. The present study investigated seed dormancy, seedling emergence and seed survival in the soil seed bank of Stipa bungeana, a grass species used in restoration of degraded land on the Loess Plateau in northwest China. Dormancy of fresh seeds was determined by incubation of seeds over a range of temperatures in both light and dark. Seed germination was evaluated after mechanical removal of palea and lemma (hulls, chemical scarification and dry storage. Fresh and one-year-stored seeds were sown in the field, and seedling emergence was monitored weekly for 8 weeks. Furthermore, seeds were buried at different soil depths, and then retrieved every 1 or 2 months to determine seed dormancy and seed viability in the laboratory. Fresh seeds (caryopses enclosed by palea and lemma had non-deep physiological dormancy. Removal of palea and lemma, chemical scarification, dry storage (afterripening, gibberellin (GA3 and potassium nitrate (KNO3 significantly improved germination. Dormancy was completely released by removal of the hulls, but seeds on which hulls were put back to their original position germinated to only 46%. Pretreatment of seeds with a 30% NaOH solution for 60 min increased germination from 25% to 82%. Speed of seedling emergence from fresh seeds was significantly lower than that of seeds stored for 1 year. However, final percentage of seedling emergence did not differ significantly for seeds sown at depths of 0 and 1 cm. Most fresh seeds of S. bungeana buried in the field in early July either had germinated or lost viability by September. All seeds buried at a depth of 5 cm had lost viability after 5 months, whereas 12% and 4% seeds of those sown on the soil surface were viable after 5 and 12 months, respectively.

  16. Promotional Strategies Direct Marketing and Technological Innovations in Banking

    OpenAIRE

    Valeria Arina BALACEANU

    2011-01-01

    Modern advertising strategies involve the use of a bank's media and consumer incentives, so that banking institution, and thus offer products/services to cause favorable changes in mentality and their consumption habits, also important is the establishment an effective communication with employees, shareholders, competitors. Promotion strategies are essential to business success. Success is guaranteed if the message is sent to the right people at the right time. Promotion has a special place ...

  17. Effect of three mound-building ant species on the formation of soil seed bank in mountain grassland

    Czech Academy of Sciences Publication Activity Database

    Dostál, Petr

    2005-01-01

    Roč. 200, - (2005), s. 148-158 ISSN 0367-2530 Institutional research plan: CEZ:AV0Z60050516 Keywords : myrmecochory * Lasius * soil seed bank Subject RIV: EF - Botanics Impact factor: 1.086, year: 2005

  18. BRAND EQUITY BANK DAN IMPLIKASINYA TERHADAP STRATEGI PEMASARAN

    Directory of Open Access Journals (Sweden)

    Rachmad Hidayat

    2016-06-01

    Full Text Available Tujuan dari penelitian ini adalah memprediksi pangsa pasar menggunakan metode Markov Chain dan menganalisis brand equity pada Bank BUMN untuk merancang strategi pemasaran. Hasil penelitian menyatakan bahwa prediksi pangsa pasar tertinggi adalah BNI, BRI  dan Bank Mandiri. Brand awareness tertinggi adalah BRI. Brand loyalty tertinggi adalah Bank Mandiri  dengan level switcher ke habitual buyer dan satisfied buyer semakin besar, tetapi pada level liking the brand dan committed buyer mengalami penurunan. Penelitian ini memberikan gambaran mengenai tidak adanya keterkaitan antara tingginya brand awareness dengan loyalitas. BRI dengan bank yang memiliki brand awareness paling tinggi di mata nasabah, namun tingkat nasabah yang melakukan perpindahan brand juga paling tinggi. Oleh karena itu para manajer pemasaran bank tidak boleh hanya puas dengan tingkat keterkenalan bank mereka. Para manajer pemasaran harus berupaya menggerakkan semua marketing effort mereka untuk meningkatkan brand awareness nasabah sehingga menjadi brand loyalty.

  19. Price Strategies in Banking Marketing

    Directory of Open Access Journals (Sweden)

    Iuliana Cetina

    2007-01-01

    Full Text Available All organizations must settle a price for the services they offer. The price for services is an important element of the marketing mix, being an important income source for the organization. The settlement of a correct price, both for the market and the competition, is a significant element for the sector of financial - banking services. Another important factor to take into consideration is the fact that the banks do not settle only the prices for individual services, but also coordinate their prices for service packages. As the competition in the financial - banking services has intensified, the settlement of correct prices has become an essential element for the marketing strategy. Nevertheless it is important to remind that the price is not a central element. There are other significant grounds, the price being only one of the elements of the marketing mix. Although in Romania many customers may be sensitive in present to the price, as the competition will increase, the quality of the services will become more important to the customers, and the demand will be complex.

  20. How much genetic variation is stored in the seed bank? A study of Atriplex tatarica (Chenopodiaceae)

    Czech Academy of Sciences Publication Activity Database

    Mandák, Bohumil; Bímová, Kateřina; Mahelka, Václav; Plačková, Ivana

    2006-01-01

    Roč. 15, - (2006), s. 2653-2663 ISSN 0962-1083 R&D Projects: GA AV ČR IAA6005206 Institutional research plan: CEZ:AV0Z60050516 Keywords : seed bank * population genetic structure * competition Subject RIV: EF - Botanics Impact factor: 4.825, year: 2006

  1. Effective seeding strategy in evolutionary prisoner's dilemma games on online social networks

    Science.gov (United States)

    Xu, Bo; Shi, Huibin; Wang, Jianwei; Huang, Yun

    2015-04-01

    This paper explores effective seeding strategies in prisoner's dilemma game (PDG) on online social networks, i.e. the optimal strategy to obtain global cooperation with minimum cost. Three distinct seeding strategies are compared by performing computer simulations on real online social network datasets. Our finding suggests that degree centrality seeding outperforms other strategies regardless of the initial payoff setting or network size. Celebrities of online social networks play key roles in preserving cooperation.

  2. An improved method for seed-bank analysis : Seedling emergence after removing the soil by sieving

    NARCIS (Netherlands)

    ter Heerdt, G.N.J.; Bekker, R.M.; Bakker, J.P.; Verweij, G.L.

    1. The seedling emergence method for assessing the size of the seed bank is improved by washing soil samples on a fine sieve and spreading the thus concentrated samples in a 3-5 mm thick layer on sterilized potting compost. 2. The method largely increases the number of seedlings that emerge as

  3. Spatial variation in seed bank dynamics of two annual brome species in the northern Great Plains

    Science.gov (United States)

    Annual bromes decrease forage production in northern central plains rangelands of North America. Early life history stages are when plants are most failure-prone, yet studying death post-germination and prior to emergence is difficult. In seed bank collections conducted over the course of two growin...

  4. Bank Activity and Funding Strategies : The Impact on Risk and Return

    NARCIS (Netherlands)

    Demirgüc-Kunt, A.; Huizinga, H.P.

    2009-01-01

    This paper examines the implications of bank activity and short-term funding strategies for bank risk and return using an international sample of 1334 banks in 101 countries leading up to the 2007 financial crisis. Expansion into non-interest income generating activities such as trading increases

  5. Complex foraging ecology of the red harvester ant and its effect on the soil seed bank

    Science.gov (United States)

    Luna, Pedro; García-Chávez, Juan Héctor; Dáttilo, Wesley

    2018-01-01

    Granivory is an important interaction in the arid and semi-arid zones of the world, since seeds form an abundant and nutritious resource in these areas. While species of the genus Pogonomyrmex have been studied in detail as seed predators, their impact on seed abundance in the soil has not yet been explored in sufficient depth. We studied the impact of the harvesting activities of the ant Pogonomyrmex barbatus on seed abundance in the soil of the Zapotitlán valley, Mexico. We found that P. barbatus activity significantly impacts the abundance of seeds in the soil, which is lower in the sites where P. barbatus forages than it is in sites with no recorded foraging. We also found that P. barbatus distributes intact seeds of three tree species, two of which are nurse plants, and could consequently be promoting the establishment of these species. Using tools derived from graph theory, we observed that the ant-seed interactions exhibit a nested pattern; where more depredated seed species seem to be the more spatially abundant in the environment. This study illustrates the complex foraging ecology of the harvester ant P. barbatus and elucidates its effect on the soil seed bank in a semi-arid environment.

  6. Seed dormancy and seed longevity: from genetic variation to gene identification

    NARCIS (Netherlands)

    Nguyen, T.P.

    2014-01-01

    Seed dormancy and seed longevity are the most important survival traits in the soil seed bank. Both traits are induced during seed maturation and evolved to assure seed survival during environmental conditions that cannot support the regular course of life. Seed dormancy is related to the timing of

  7. PENGARUH STRATEGI PEMASARAN TERHADAP KEPUASAN NASABAH PADA PT BANK TABUNGAN NEGARA KCP KOPO

    Directory of Open Access Journals (Sweden)

    Riris Roisah

    2016-03-01

    Full Text Available ABSTRACT - Banking competition in the market and business situations are changing very fast. PT. Bank Tabungan Negara as one of the banking institutions in Indonesia, was originally commissioned by the Indonesian government to be the only bank that won the distribution of mortgages, however, with the change in government policy in Indonesia, where the entire mortgage banking channel is allowed, then the State Savings Bank to shift focus business This study aims to determine the marketing strategy, knowing the level of customer satisfaction and to determine the effect of marketing strategy on customer satisfaction at PT. Bank Tabungan Negara KCP Kopo. The research method used is a quantitative method by using statistical analysis. Ans the study is a type of survey, which took samples from the population and use the questionnaire as a measurement tool. The design used in this research is descriptive method of verification for the data analysis used linear regression, coefficient test, determination and t-test. Based on the findings and results of t-test (partial there is a significant positive effect on customer satisfaction. While the contribution of customer satisfaction marketing strategy shown by koefisisen determination has been described by 0,472, meaning that marketing strategies affect customer satisfaction of 47.2%, while the remaining 52.8% are influenced by variables not examined. And the results of the study showed R = 0.687 R almost close to 1, that mean the variables of marketing strategy to influence customer satisfaction. Keywords: strategy marketing, marketing mix, customer satisfaction.

  8. Formation of strategy and policy of banking credit operations management

    Directory of Open Access Journals (Sweden)

    O.V. Lysenok

    2016-03-01

    Full Text Available The article examines the strategic management of credit operations as the activities on credit strategies of banking institutions, the formation of goals, objectives, and the choice of methods to achieve them. The basis of this is the strategic management analysis of the factors affecting the lending operations, strategic planning, communication mechanisms of strategic and tactical decisions, monitoring the implementation of the strategy and timely adjustments. For the purpose of effective implementation of the developed strategy, the article argues that banks in modern conditions should develop their own internal credit policy which should cover the essential elements and principles of credit at these banks. The study determines that the credit policy is based on the factors determined by the amount of capital assets and loan portfolio, the structure of its clientele, specialization, location, presence of branch network, the situation in the money market.

  9. Soil seed banks in plant invasions: promoting species invasiveness and long-term impakt on plant community dynamics

    Czech Academy of Sciences Publication Activity Database

    Gioria, M.; Pyšek, Petr; Moravcová, Lenka

    2012-01-01

    Roč. 84, č. 2 (2012), s. 327-350 ISSN 0032-7786 R&D Projects: GA ČR GA206/09/0563 Institutional support: RVO:67985939 Keywords : soil seed bank * plant invasions * species invasive ness Subject RIV: EF - Botanics Impact factor: 2.833, year: 2012

  10. Mycelial growth rate and toxin production in the seed pathogen Pyrenophora semeniperda: Resource trade-offs and temporally varying selection

    Science.gov (United States)

    S. E. Meyer; M. Masi; S. Clement; T. L. Davis; J. Beckstead

    2015-01-01

    Pyrenophora semeniperda, an important pathogen in Bromus tectorum seed banks in semi-arid western North America, exhibits >4-fold variation in mycelial growth rate. Host seeds exhibit seasonal changes in dormancy that affect the risk of pathogen-caused mortality. The hypothesis tested is that contrasting seed dormancy phenotypes select for contrasting strategies...

  11. Developing Strategies for Islamic Banks to Face the Future Challenges of Financial Globalization

    OpenAIRE

    Al Ajlouni, Ahmed

    2004-01-01

    Developing Strategies for Islamic Banks to Face the Future Challenges of Financial Globalization Ahmed Al-Ajlouni Abstract This study aims at forming strategic response to assess the ability of Islamic banks in benefiting from the opportunities that may be provided by financial globalization and limits its threats, through assessing the capability of Islamic banks to meet the requirements and challenges of financial globalization, then suggests the suitable strategies that may be ...

  12. Operational characteristics, strategies and performance of foreign and demestic banks in India

    OpenAIRE

    Keshari, Pradeep Kumar

    2013-01-01

    This paper has tried to examine the relative characteristics and performance of foreign and domestic banks operating in India. A comparison of their characteristics undoubtedly suggest that foreign banks as a group differ significantly from domestic banks. It was also found that foreign banks enjoyed higher profitability than the domestic banks. The higher profitability of the former was a reflection of their particular operational characteristics, strategies and the favourable attitude of t...

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

    Directory of Open Access Journals (Sweden)

    Syed Shan e Raza

    2011-01-01

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

  14. The legacy of plant invasions: changes in the soil seed bank of invaded plant communities

    Czech Academy of Sciences Publication Activity Database

    Gioria, Margherita; Pyšek, Petr

    2016-01-01

    Roč. 66, č. 1 (2016), s. 40-53 ISSN 0006-3568 R&D Projects: GA ČR GA15-13491S; GA ČR GB14-36079G Grant - others:AV ČR(CZ) AP1002 Program:Akademická prémie - Praemium Academiae Institutional support: RVO:67985939 Keywords : plant invasions * soil seed bank * impact Subject RIV: EH - Ecology, Behaviour Impact factor: 5.378, year: 2016

  15. How does population genetic diversity change over time? An experimental seed bank study of Atriplex tatarica (Chenopodiaceae)

    Czech Academy of Sciences Publication Activity Database

    Mandák, Bohumil; Plačková, Ivana

    2009-01-01

    Roč. 204, č. 2 (2009), s. 423-433 ISSN 0367-2530 R&D Projects: GA AV ČR IAA6005206; GA AV ČR IAA600050707 Institutional research plan: CEZ:AV0Z60050516 Keywords : seed banks * succession * competition Subject RIV: EF - Botanics Impact factor: 1.439, year: 2009

  16. Bank activity and funding strategies : the impact on risk and returns

    OpenAIRE

    Demirguc-Kunt, Asli; Huizinga, Harry

    2009-01-01

    This paper examines the implications of bank activity and short-term funding strategies for bank risk and returns using an international sample of 1,334 banks in 101 countries leading up to the 2007 financial crisis. Expansion into non-interest income generating activities such as trading increases the rate of return on assets, and it may offer some risk diversification benefits at very lo...

  17. Seed predation in a Mediterranean pasture: can ants modify the floristic composition of soil seed banks? Depredación de semillas en un pastizal mediterráneo: ¿pueden las hormigas modificar la composición florística de los bancos de semillas?

    Directory of Open Access Journals (Sweden)

    TÍSCAR ESPIGARES

    2005-12-01

    Full Text Available Ants may play an important role on vegetation dynamics, especially in arid and semiarid environments, where they can consume a high proportion of the produced seeds. Although some works have analysed the influence of seed predation by ants on the density of vegetation in Mediterranean pastures, there are no studies on the influence of ant activity upon the floristic composition of the vegetation and the soil seed banks in this kind of ecosystem. We have studied the effect of ant exclusion on the floristic composition of the vegetation and the soil seed bank in a Mediterranean pasture of central Spain. We sampled the floristic composition of the pasture during 2002 and 2003 springs and also we collected soil seed bank samples in autumn 2002. Floristic composition of soil seed banks was estimated by means of greenhouse germination. Cerastium semidecandrum seeds were almost four times more abundant in the plots subjected to ant exclusion than in those with ant activity. Due to the high spatial heterogeneity shown by soil seed banks, we have corrected the differences found between the autumn soil seed banks subjected to different ant treatments by using the floristic composition of the pasture community in the previous spring, as it was the primary source of the seeds collected in autumn. We found significant differences between the floristic composition of the soil seed banks subjected to ant exclusion and control treatments. However, no effects where found when the same procedure was used to detect ant effects on the spring adult community, highlighting the necessity of longer time spans for these pastures to manifest changes taking place at the soil seed bank stageLa mirmecofauna juega un papel fundamental sobre la dinámica de la vegetación, especialmente en zonas de carácter árido o semiárido, donde puede llegar a consumir una elevada proporción de las semillas producidas, condicionando la composición florística de la vegetación. Aunque

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

    OpenAIRE

    Wen, Manqing

    2006-01-01

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

  19. Special aspects of seed reproduction of the Liriodendron tulipifera L. in the context of plant introduction in the Ukraine’s Right-Bank forest steppe

    Directory of Open Access Journals (Sweden)

    Sulyga Nadezhda Vladimirovna

    2015-12-01

    Full Text Available It was confirmed that in order to overcome seed dormancy and to improve the seed germination of Liriodendron tulipifera L. need stratification. Seed germination of L. tulipifera is 5,2–7,4%, the execution of seeds in one fruit is 5,3–16,0%. The depth of seeding L. tulipifera affects their germination. The seedlings of L. tulipifera are characterized by successful growth and development in the conditions of introduction to the Right Bank Forest-Steppe zone of Ukraine.

  20. The Apology Strategies Used by Customer Service Officers of a Local Bank in Surabaya

    OpenAIRE

    Ruth, Amelia; Kuntjara, Esther H

    2016-01-01

    In this study, the writer observed the apology strategies used by ten customer service officers of a local bank. The writer wants to find out what types of apology strategies are used by customer service officers of the local bank. The theory of apology strategy by Trosborg (1995) was used as the main theory of this research. The writer used a qualitative approach. The data were taken by recording interviews with ten customer service officers of the local bank. Then, the writer analyzed the c...

  1. Persistent Soil Seed Banks for Natural Rehabilitation of Dry Tropical Forests in Northern Ethiopia

    OpenAIRE

    Gebrehiwot, K.; Heyn, M.; Reubens, B.; Hermy, M.; Muys, B.

    2007-01-01

    Dry tropical forests are threatened world-wide by conversion to grazing land, secondary forest, savannah or arable land. In Ethiopia, natural dry forest cover has been decreasing at an alarming rate over the last decennia and has reached a critical level. Efforts like the rehabilitation of dry forests to curb this ecological degradation, need a stronger scientific basis than currently available. The aim of the present research was to test the hypothesis whether soil seed banks can contribute ...

  2. Analýza marketingová strategie GE Money Bank na českém trhu

    OpenAIRE

    Švástová, Magda

    2011-01-01

    The objective of my thesis is the analysis of GE Money Bank's marketing strategy in the Czech market and proposal of measures to reduce its weaknesses. Theoretic part of the thesis describes concept of strategic management and particular parts of marketing strategy. Analytic part evaluates external environment in which GE Money Bank operates and subsequently describes marketing strategy of GE Money Bank -- goals of the company, segmentation and targeting, marketing objectives, corporate ident...

  3. Banking Wyoming big sagebrush seeds

    Science.gov (United States)

    Robert P. Karrfalt; Nancy Shaw

    2013-01-01

    Five commercially produced seed lots of Wyoming big sagebrush (Artemisia tridentata Nutt. var. wyomingensis (Beetle & Young) S.L. Welsh [Asteraceae]) were stored under various conditions for 5 y. Purity, moisture content as measured by equilibrium relative humidity, and storage temperature were all important factors to successful seed storage. Our results indicate...

  4. Applying the seedling-emergence method under waterlogged conditions to detect the seed bank of aquatic plants in submerged sediments

    NARCIS (Netherlands)

    Boedeltje, G; ter Heerdt, GNJ; Bakker, JP

    Seed bank studies focused on submerged aquatic plants are generally performed under submerged conditions, using the seedling-emergence method. However, if a study targets at both submerged species and helophytes, submerged conditions are generally not suitable. We tested the emergence of seedlings

  5. Business-Level Strategy for the Foreign Commercial Banks operating within Malaysia

    OpenAIRE

    Rasool Khan, Mohamed Rizal

    2007-01-01

    This paper discusses the strategic positioning and use of Porter’s (1980) generic strategy framework within the foreign commercial banks operating in Malaysia. It was found that two distinct strategic groups were formed by the foreign commercial banks. Performance analysis conducted suggests that banks with clearer strategic direction managed to outperform its peers in its strategic group. Furthermore, the performance of one strategic group was significantly lower than that of the second.

  6. Downy brome seed ecology: From flower to emergence

    Science.gov (United States)

    Downy brome (Bromus tectorum) seed is very common in seed banks throughout Great Basin rangelands. Previously, using a soil bioassay method, we tested 100 separate sites within the Great Basin (1000 samples) to measure downy brome seed bank densities. The locations differed greatly by precipitation,...

  7. Penerapan Analisis Swot Sebagai Dasar Penentuan Strategi Peningkatan Kinerja Pt. Bank X Di Surabaya

    Directory of Open Access Journals (Sweden)

    Lintang Venusita

    2011-10-01

    Full Text Available Performance is the result or degree of the person's overall success for a certain period in the task compared with a range of possibilities, such as working standards, targets or goals or criteria are predetermined and mutually agreed. Researchers have identified a phenomenon that occurs in the PT. Bank X can see how the application of a SWOT analysis as a basis for determining the performance improvement strategy. The purpose of this study was to determine the strategy to improve the performance of PT. Bank X. Of acquisition score internal-external quadrant is known that the position of PT. Bank X is located at coordinates (-0.44; -0.26 are in a position or is in quadrant IV Defensive strategy (WT is an unfortunate situation for PT. Bank X because the direction of defensive strategy indicates that the PT. Bank X has the environmental threats of the temporary position is relatively weak and should strive to minimize weaknesses and avoid threats that occur. Some suggestions are presented, among others, development and training to improve skills and quality, product innovation and improve the quality of the service to customers, adding to the facilities and infrastructure to support the activities of banks, the selection of candidates before the merger partners.

  8. POTENSI DAN STRATEGI PENGEMBANGAN BANK SYARIAH DI INDONESIA

    Directory of Open Access Journals (Sweden)

    Anny Ratnawati

    2011-08-01

    Full Text Available Normal 0 false false false MicrosoftInternetExplorer4 /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-parent:""; mso-padding-alt:0cm 5.4pt 0cm 5.4pt; mso-para-margin:0cm; mso-para-margin-bottom:.0001pt; mso-pagination:widow-orphan; font-size:10.0pt; font-family:"Times New Roman"; mso-ansi-language:#0400; mso-fareast-language:#0400; mso-bidi-language:#0400;} At the present, Indonesia operate dual banking system that are conventional banking system with its interest rate runs side by side with the Islamic banking with the profit-sharing/non-interest system of its own.  The development of Islamic banking should be based on market driven by driving the community demand that always considering the banking prudential principle.  The development of Islamic bank will encourage the development of real sector as well because the basis of profit-sharing system is the activities of real sector, not from investment of other sector (non real sector, case in point the rate of obligation and/or the rate of Certificate of Central Bank.  In general, community’ s respond toward Islamic bank is good relatively that shown by the trend of Third Parties Funding and Financing to Deposit Ratio with low level of Non Performing Loan. This study assess the consumer’s preference toward both conventional and Islamic Banking, in related with analysis of potency and development strategy of Islamic banking in Indonesia. The analysis of data by using qualitatively (descriptive analysis, cross tabulation and logistic regression model.  In general, community’s attitude toward interest rate system still ambiguous, that are interest rate is contrary to ‘syariah of Islam‘, meanwhile in banking transaction they still use conventional system.  The reasons that motivate consumer to adopt Islamic banking related to professionalism of bank, security and

  9. Lack of divergence in seed ecology of two Amphicarpaea (Fabaceae) species disjunct between eastern Asia and eastern North America.

    Science.gov (United States)

    Zhang, Keliang; Baskin, Jerry M; Baskin, Carol C; Yang, Xuejun; Huang, Zhenying

    2015-06-01

    Many congeneric species are disjunct between eastern Asia and eastern North America. No previous study has compared the seed biology of closely related disjunct taxa of legumes or of a diaspore-heteromorphic species. Our objective was to compare seed dormancy in two such sister species in the genus Amphicarpaea (Fabaceae). We investigated the ecology and ecophysiology of aerial and subterranean seeds of the amphicarpic species Amphicarpaea edgeworthii from China and compared the results to those published for its sister species A. bracteata from eastern North America. The seed coat of aerial seeds of A. edgeworthii is well developed, whereas the seed coat of subterranean seeds is not. Aerial seeds have combinational dormancy (physical dormancy [PY] + physiological dormancy [PD]) broken by scarification followed by cold stratification or by after-ripening and scarification; whereas subterranean seeds have PD broken by cold stratification. Aerial seeds formed a persistent soil seed bank, and subterranean seeds a transient soil seed bank. Aerial seeds of A. bracteata also have PY+PD and subterranean seeds PD. Subterranean seeds of both species are desiccation intolerant. Dormancy in neither aerial nor subterranean seeds of both species has diverged over geological time. Compared to subterranean seeds, aerial seeds of both species dispersed over longer distances. Seed dispersal ability and degree of dormancy of neither species fits the high-risk/low-risk (H-H/L-L) strategy found in many diaspore-dimorphic species. Rather, both species have an H-L/L-H strategy for these two life history traits. © 2015 Botanical Society of America, Inc.

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

    Directory of Open Access Journals (Sweden)

    JAVIER A. FIGUEROA

    2004-03-01

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

  11. Burial increases seed longevity of two Artemisia tridentata (Asteraceae) subspecies

    Science.gov (United States)

    Wijayratne, Upekala C.; Pyke, David A.

    2012-01-01

    Premise of the study: Seed longevity and persistence in soil seed banks may be especially important for population persistence in ecosystems where opportunities for seedling establishment and disturbance are unpredictable. The fire regime, an important driver of population dynamics in sagebrush steppe ecosystems, has been altered by exotic annual grass invasion. Soil seed banks may play an active role in postfire recovery of the foundation shrub Artemisia tridentata, yet conditions under which seeds persist are largely unknown. Methods: We investigated seed longevity of two Artemisia tridentata subspecies in situ by retrieving seed bags that were placed at varying depths over a 2 yr period. We also sampled naturally dispersed seeds in litter and soil immediately after seed dispersal and before flowering in subsequent seasons to estimate seed persistence. Key results: After 24 mo, seeds buried at least 3 cm below the soil surface retained 30–40% viability whereas viability of seeds on the surface and under litter declined to 0 and Artemisia tridentata has the potential to form a short-term soil seed bank that persists longer than has been commonly assumed, and that burial is necessary for seed longevity. Use of seeding techniques that promote burial of some seeds to aid in formation of a soil seed bank may increase restoration potential.

  12. Bank Activity and Funding Strategies: The Impact on Risk and Return

    OpenAIRE

    Demirgüc-Kunt, A.; Huizinga, H.P.

    2009-01-01

    This paper examines the implications of bank activity and short-term funding strategies for bank risk and return using an international sample of 1334 banks in 101 countries leading up to the 2007 financial crisis. Expansion into non-interest income generating activities such as trading increases the rate of return on assets, and it may offer some risk diversification benefits at very low levels. Non-deposit, wholesale funding in contrast lowers the rate of return on assets, while it can offe...

  13. URJC GB dataset: Community-based seed bank of Mediterranean high-mountain and semi-arid plant species at Universidad Rey Juan Carlos (Spain).

    Science.gov (United States)

    Alonso, Patricia; Iriondo, José María

    2014-01-01

    The Germplasm Bank of Universidad Rey Juan Carlos was created in 2008 and currently holds 235 accessions and 96 species. This bank focuses on the conservation of wild-plant communities and aims to conserve ex situ a representative sample of the plant biodiversity present in a habitat, emphasizing priority ecosystems identified by the Habitats Directive. It is also used to store plant material for research and teaching purposes. The collection consists of three subcollections, two representative of typical habitats in the center of the Iberian Peninsula: high-mountain pastures (psicroxerophylous pastures) and semi-arid habitats (gypsophylic steppes), and a third representative of the genus Lupinus. The high-mountain subcollection currently holds 153 accessions (63 species), the semi-arid subcollection has 76 accessions (29 species,) and the Lupinus subcollection has 6 accessions (4 species). All accessions are stored in a freezer at -18 °C in Kilner jars with silica gel. The Germplasm Bank of Universidad Rey Juan Carlos follows a quality control protocol which describes the workflow performed with seeds from seed collection to storage. All collectors are members of research groups with great experience in species identification. Herbarium specimens associated with seed accessions are preserved and 63% of the records have been georreferenced with GPS and radio points. The dataset provides unique information concerning the location of populations of plant species that form part of the psicroxerophylous pastures and gypsophylic steppes of Central Spain as well as populations of genus Lupinus in the Iberian Peninsula. It also provides relevant information concerning mean seed weight and seed germination values under specific incubation conditions. This dataset has already been used by researchers of the Area of Biodiversity and Conservation of URJC as a source of information for the design and implementation of experimental designs in these plant communities. Since

  14. URJC GB dataset: Community-based seed bank of Mediterranean high-mountain and semi-arid plant species at Universidad Rey Juan Carlos (Spain

    Directory of Open Access Journals (Sweden)

    Patricia Alonso

    2014-03-01

    Full Text Available The Germplasm Bank of Universidad Rey Juan Carlos was created in 2008 and currently holds 235 accessions and 96 species. This bank focuses on the conservation of wild-plant communities and aims to conserve ex situ a representative sample of the plant biodiversity present in a habitat, emphasizing priority ecosystems identified by the Habitats Directive. It is also used to store plant material for research and teaching purposes. The collection consists of three subcollections, two representative of typical habitats in the center of the Iberian Peninsula: high-mountain pastures (psicroxerophylous pastures and semi-arid habitats (gypsophylic steppes, and a third representative of the genus Lupinus. The high-mountain subcollection currently holds 153 accessions (63 species, the semi-arid subcollection has 76 accessions (29 species, and the Lupinus subcollection has 6 accessions (4 species. All accessions are stored in a freezer at -18 °C in Kilner jars with silica gel. The Germplasm Bank of Universidad Rey Juan Carlos follows a quality control protocol which describes the workflow performed with seeds from seed collection to storage. All collectors are members of research groups with great experience in species identification. Herbarium specimens associated with seed accessions are preserved and 63% of the records have been georreferenced with GPS and radio points. The dataset provides unique information concerning the location of populations of plant species that form part of the psicroxerophylous pastures and gypsophylic steppes of Central Spain as well as populations of genus Lupinus in the Iberian Peninsula. It also provides relevant information concerning mean seed weight and seed germination values under specific incubation conditions. This dataset has already been used by researchers of the Area of Biodiversity and Conservation of URJC as a source of information for the design and implementation of experimental designs in these plant

  15. Shrub seed banks in mixed conifer forests of northern California and the role of fire in regulating abundance

    Science.gov (United States)

    Eric E. Knapp; Phillip C. Weatherspoon; Carl N. Skinner

    2012-01-01

    Understory shrubs play important ecological roles in forests of the western US, but they can also impede early tree growth and lead to fire hazard concerns when very dense. Some of the more common genera (Ceanothus, Arctostaphylos, and Prunus) persist for long periods in the seed bank, even in areas where plants have been...

  16. Determinants of loans and deposits strategies of foreign bank subsidiaries in emerging countries

    Directory of Open Access Journals (Sweden)

    Mehdi Mili

    2013-09-01

    Full Text Available Abstract. This paper focuses on the transmission of bank liquidity shocks in Loan and deposit in emerging markets. First, we attempt to identify factors affecting the credit strategy of foreign banks in emerging countries. Second, we test whether depositors exert market discipline on foreign subsidiaries. By combining financial variables of subsidiaries and their parent banks and macroeconomic variables of host and home countries, we investigate the factors that may affect the behavior of depositors. Our empirical approach is based on a Partial Least Squares-Path model that allows us to indentify the causal relationships between the various groups of variables. Our results show that foreign bank lending is determined by the specific financial variables of the parent bank and macroeconomic variables of the country of origin. This support that the strategy's credit of foreign subsidiary is centrally managed at the parent bank and credit supply of subsidiaries depends primary on the financial situation of its parent bank. Finally we find evidence of market discipline exercised over foreign subsidiaries in emerging countries. We show that market discipline is strongly affected by the specific characteristics of the subsidiary.

  17. The soil seed bank in abandoned tropical pastures: source of regeneration or invasion? El banco de semillas en pastizales tropicales abandonados: fuente de regeneración o de invasión?

    Directory of Open Access Journals (Sweden)

    Leonel López-Toledo

    2011-06-01

    Full Text Available We assessed the availability of both pioneer and non-native species in the soil seed bank of old-growth forest and recently abandoned pasture, to evaluate whether the soil seed bank in these pastures represents a source of regeneration of species from adjacent old-growth forest or of invasion by non-native species. Our study was conducted at Selva Lacandona, Chiapas, Mexico. Soil samples were randomly collected from 6 sites in old-growth forest, and 6 sites in abandoned pastures. Seedlings from soil samples were identified and classified into pioneer, non-native (weeds/graminoids, and other forest species. Pioneer species seeds were virtually absent in pastures, but represented ~30% of seeds in the forest. Non-native species comprised ~99% of the soil seed bank in pastures. In the forest, soil seed bank density of weeds and graminoids decreased with increasing distance (up to 4 km from agricultural fields, and comprised up to 25% (Mean ± 1SE= 16 ± 7 of the seed bank. Our results show a near total elimination of pioneer species from the soil seed bank in pastures, and considerable invasion of the borders of the Montes Azules reserve by seeds of non-native species. Thus, in the region studied, the soil seed bank in abandoned pastures represents a source of invasion by non-native species into old-growth forest rather than a potential source of forest regeneration.Para evaluar si el banco de semillas en pastizales abandonados representa una fuente de regeneracion o de invasión por especies no-nativas para el bosque maduro se evaluó la presencia de especies pioneras y no-nativas en el banco de semillas de bosque maduro y pastizales recien abandonados en la selva lacandona, Chiapas, México. Se recolectaron muestras de suelo en 6 sitios de bosque maduro y de pastizales abandonados. Las semillas germinadas fueron identificadas y clasificadas en especies pioneras, no-nativas (malezas/graminoides y otras especies de bosque. Las especies pioneras

  18. Organizational Behavior from the Perspective of the Paradigm Strategy-Structure-Performance (SSP in the Banking System

    Directory of Open Access Journals (Sweden)

    Gabriel CROITORU

    2018-05-01

    Full Text Available The purpose of this article is not to design and propose legislative initiatives in the banking industry, but to develop a methodological approach to the organizational structure of banks. The first objective is to highlight the theoretical correlation of the strategy-structure-performance paradigm with the neoclassical theory of the organization and the other theories that have started from it and to determine the theoretical roots of the organizational division in the banking financial field and to highlight the implementation strategy changes in banking, their impact on the organizational structure of banks, as well as on the performance recorded in the Romanian banking system. In addition, it was intended to measure the effect of increasing the importance of consumers’ opinions and the implementation of new IT technologies in banking on the same strategies. We believe that these contributions can be of great help to better understanding the underlying causes of the transformations that are taking place and will take place in both banking and non-banking organizations in Romania. They can thus even foresee and cross difficult situations and economic time

  19. ANALISIS SWOT DALAM PENENTUAN STRATEGI PEMASARAN PRODUK PEMBIAYAAN PADA PT. PANIN BANK SYARIAH, TBK. KANTOR CABANG MALANG

    Directory of Open Access Journals (Sweden)

    Fani Firmansyah

    2014-07-01

    Full Text Available Tujuan dari penelitian ini PT Panin Bank Syariah, Tbk. (PBS perlu menetapkan strategi-strategi yang tepat agar kehadirannya dapat memperoleh respon positif dari masyarakat dan produk serta jasa yang ditawarkan sesuai dengan kebutuhan dan keinginan masyarakat. Penelitian ini akan dilakukan di PT. Panin Bank Syariah, Tbk. Kantor Cabang Malang yang terletak di Jl Mgr Sugiopranoto No 7 kota Malang Provinsi Jawa Timur. Jenis penelitian ini adalah penelitian kualitatif dengan pendekatan deskriptif. Dari hasil matriks SWOT dapat diambil beberapa strategi yang sesuai dengan keadaan PT Panin Bank Syariah, Tbk. Kantor Cabang Malang bedasarkan beberapa hal yaitu : Segmentasi, Targeting, Positioning, Marketing Mix. Berdasarkan penelitian yang telah dilakukan oleh peneliti, maka kesimpulan dari hasil penelitian ini yaitu: (a Strategi pemasaran khususnya pemasaran produk pembiayaan yangditerapkan oleh PT. Panin Bank Syariah, Tbk. Kantor Cabang Malang meliputi beberapa strategi, yakni strategi jemput bola, referal, membangun jaringan, memberikan servise excellent, dan memberikan fasilitas yang memuaskan untuk meningkatkan kepercayaan dan kepuasan nasabah, sehingga nasabah yang ada tidak akan lari dari bank. (b Hasil analisis SWOT menyebutkan bahwa PT. Panin Bank Syariah, Tbk. Kantor Cabang Malang sudah bisa bersaing di pasar persaingan yang kompetitif yang ada di wilayah Malang.  

  20. Effects of prescribed fire on the buried seed bank in mixed-hardwood forests of the southern Appalachian Mountains

    Science.gov (United States)

    Tara L. Keyser; Tracy L. Roof; Jacquelyne L. Adams; Dean Simon; Gordon Warburton

    2012-01-01

    This study characterizes the seed bank prior to and immediately following dormant-season prescribed fire in mature, mixed-Quercus spp. (oak) forests in the southern Appalachian Mountains. Thirty samples from the litter/duff (LD) and the top 5 cm of the mineral soil (MS) were collected from five 5-ha burn units (6 plots per experimental unit) before...

  1. Code development of the national hemovigilance system and expansion strategies for hospital blood banks

    Directory of Open Access Journals (Sweden)

    Kim Jeongeun

    2012-01-01

    Full Text Available Objectives : The aims of this study were to develop reportable event codes that are applicable to the national hemovigilance systems for hospital blood banks, and to present expansion strategies for the blood banks. Materials and Methods : The data were obtained from a literature review and expert consultation, followed by adding to and revising the established hemovigilance code system and guidelines to develop reportable event codes for hospital blood banks. The Medical Error Reporting System-Transfusion Medicine developed in the US and other codes of reportable events were added to the Korean version of the Biologic Products Deviation Report (BPDR developed by the Korean Red Cross Blood Safety Administration, then using these codes, mapping work was conducted. We deduced outcomes suitable for practice, referred to the results of the advisory councils, and conducted a survey with experts and blood banks practitioners. Results : We developed reportable event codes that were applicable to hospital blood banks and could cover blood safety - from blood product safety to blood transfusion safety - and also presented expansion strategies for hospital blood banks. Conclusion : It was necessary to add 10 major categories to the blood transfusion safety stage and 97 reportable event codes to the blood safety stage. Contextualized solutions were presented on 9 categories of expansion strategies of hemovigilance system for the hospital blood banks.

  2. Strategi Pengembangan Portofolio Produk Investasi Bank ABC

    Directory of Open Access Journals (Sweden)

    Sampor Ali

    2017-09-01

    Full Text Available This article particularly aimed to analyze the Strengths, Weaknesses, Opportunities and Threats of the investment products. Assessing the environmental factors that affect the attractiveness of the industry and the business Strength of investment product in wealth management division in GE matrix provides recommendations of the alternative strategy for investment products in the future. The formulation of strategies product development was carried out using a portfolio analysis of Matrix General Electric (GE. The GE Matrix showed that the deposit product and retirement savings were in the first quadrant while attraction or interest in the industry was still high. Savings products were in quadrant II Planning, indicating that the company had a high business strength, but the attractiveness of the industry for these categories was in the normal position. The bancassurance products, bonds and mutual funds were in quadrant III where at this phase of the company business Strength was in the normal position, and the attractiveness of the market or industry was also in the normal position. Strategies for the development of deposits and retirement savings products included the market development and product development strategies. Savings Product Planning used penetration and product development whereas the Bancassurance products, bonds and mutual funds used market penetration strategy.Keywords: bank, wealth management, portfolio analysis, GE matrixAbstrak: Penelitian bertujuan melakukan analisa kekuatan, kelemahan, peluang serta ancaman produk investasi. Mengkaji faktor lingkungan yang memengaruhi daya tarik industri dan kekuatan bisnis produk investasi di divisi wealth management dalam bentuk matrik portofolio produk, sehingga dapat memberikan rekomendasi strategi alternatif terhadap produk investasi di masa depan. Rumusan strategi pengembangan portofolio menggunakan Matriks General Electric (GE. Hasil Matriks GE menunjukkan bahwa produk deposito dan

  3. A suitable pricing strategy for hybrid maize seed in South Africa

    OpenAIRE

    2012-01-01

    M.B.A. A general increase in price elasticity on farming inputs as well as increasing pressure on South African subsidiaries of international companies makes it important for a well-planned pricing strategy. This is accentuated by the fact that pricing is normally done only once a year in seed companies in South Africa, and customers are unlikely to accept more frequent price changes. The aim of this study is to determine a suitable pricing strategy for hybrid maize seed for Monsanto in So...

  4. The Longevity of Crop Seeds Stored Under Long-term Condition in the National Gene Bank of Bulgaria

    Directory of Open Access Journals (Sweden)

    Desheva Gergana

    2016-10-01

    Full Text Available Seed accessions from 7 plant families and 28 species stored for above 20 years in the National gene bank of Bulgaria were evaluated. All seed accessions were maintained as base collection under long-term storage conditions with low moisture contents (5±2% in hermetically closed containers at −18°C. On the basis of experimental data, the seed storage characters σ (standard deviation of seed death in storage, P50% (the time for viability to fall to 50% and P10% (the time for viability reduction of 10% were determined allowing the prediction of seed storage life and the regeneration needs. The results showed significant differences in loss of seed viability among species and within the species. After 20–24 years of storage, eleven crops showed minimal viability decline under 5% as compared to the initial viability (oats, barley, maize, bread wheat, durum wheat, smooth brome grass, faba bean, chickpea, sunflower, cucumber and pepper. For the same storage time, another group of crops (sorghum, triticale, orchard grass, tall fescue, common vetch, grass pea, lentil, common bean, rapeseed, tobacco, flax, cabbage and tomatoes presented 5–10% reduction of seed viability. More significant changes in seed viability – above 10% – were detected for peanuts, lettuce, soybean and rye. The σ values varied from 20.41 years (Arachis hypogaea L. to 500 years (for Avena sativa L. and Triticum aestivum L. There was wide variation across species, both in time taken for the viability to fall to 50% and in time taken for the seed viability reduction of 10%. The study illustrates the positive effect of both seed storability early monitoring and prediction of regeneration needs as a tool for limiting undesired losses.

  5. An Optimal Portfolio and Capital Management Strategy for Basel III Compliant Commercial Banks

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    Grant E. Muller

    2014-01-01

    Full Text Available We model a Basel III compliant commercial bank that operates in a financial market consisting of a treasury security, a marketable security, and a loan and we regard the interest rate in the market as being stochastic. We find the investment strategy that maximizes an expected utility of the bank’s asset portfolio at a future date. This entails obtaining formulas for the optimal amounts of bank capital invested in different assets. Based on the optimal investment strategy, we derive a model for the Capital Adequacy Ratio (CAR, which the Basel Committee on Banking Supervision (BCBS introduced as a measure against banks’ susceptibility to failure. Furthermore, we consider the optimal investment strategy subject to a constant CAR at the minimum prescribed level. We derive a formula for the bank’s asset portfolio at constant (minimum CAR value and present numerical simulations on different scenarios. Under the optimal investment strategy, the CAR is above the minimum prescribed level. The value of the asset portfolio is improved if the CAR is at its (constant minimum value.

  6. Efectos del pastoreo sobre el banco de semillas germinable y la vegetación establecida en pastizales de montaña del centro de Argentina Grazing effects on the germinable seed bank and standing vegetation in mountain grasslands from central Argentina

    Directory of Open Access Journals (Sweden)

    SEBASTIÁN MARQUEZ

    2002-06-01

    from the seed bank. At both grazed and protected sites, there were dominance of species with transient seed banks, followed by species with short and long persistent seed banks, respectively. Grazing, or its absence, did not modify plant species abundance of most species at the germinable seed bank, moreover, the two species that changed their seed density showed two opposite plant strategies, as observed previously: one dominates primary productivity in absence of grazing, the another could play an important role in gap restoration at a micro patch scale in heavy grazed sites

  7. Effects of flooding on the spatial distribution of soil seed and spore banks of native grasslands of the Pantanal wetland

    Directory of Open Access Journals (Sweden)

    Patricia Carla de Oliveira

    2015-09-01

    Full Text Available ABSTRACTTo better understand the role that flooding plays in shaping plant communities of native floodable grasslands of the Pantanal and to characterize the spatial distribution of plants, we present the results of a survey of soil seed and spore banks using the seedling emergence method. We hypothesized that terrain subjected to the deepest and longest flooding should have higher propagule abundance and richness. The species composition and distribution of seeds and spores in the soil were assessed at five sites using three sampling positions at each according to inundation intensity. In each sample position 2cm-thick soil samples were collected in quadrats to a depth of 10cm. Litter was also collected as an independent layer. Sample monitoring in the greenhouse resulted in the emergence of 5489 seedlings, or 6353 propagules.m-2. Both the litter layer and the deepest soil layer had low abundances. A total of forty-four morphospecies (16 families were recorded. Both seedling abundance and species richness were concentrated in the more floodable center sections. Isoetes pedersenii, Eleocharis minima, Sagittaria guayanensis, Rotala mexicana, Eleocharis plicarhachis, and Panicum laxum were the most abundant species. The species composition and spatial distribution of the propagule bank suggests that flooding plays a crucial role in seasonal vegetation dynamics in Pantanal wetlands, mediated by the ability of the soil to host seeds and spores during dry season.

  8. The Role of Multichannel Marketing in Customer Retention and Loyalty: Study in Emerald Bank Customer in Indonesia

    OpenAIRE

    Ambarwati Ambarwati; Djumilah Zain Hadiwidjojo; Achmad Sudiro; Fatchur Rohman

    2015-01-01

    Attention on the relationship between customer retention, customer loyalty, and customer satisfaction that serves as "seed" of customer loyalty highlight the important factors for multichannel management. With the growing trends of people in investing their money in bank for securities need to be responded by the marketing department to create better marketing strategies. The purpose of this study is to examine and explain the effect of a multichannel bank on emerald customers retention   in ...

  9. Seed storage at elevated partial pressure of oxygen, a fast method for analysing seed ageing under dry conditions

    NARCIS (Netherlands)

    Groot, S.P.C.; Surki, A.A.; Vos, de R.C.H.; Kodde, J.

    2012-01-01

    Background and Aims Despite differences in physiology between dry and relative moist seeds, seed ageing tests most often use a temperature and seed moisture level that are higher than during dry storage used in commercial practice and gene banks. This study aimed to test whether seed ageing under

  10. Constructing a strategy map for banking institutions with key performance indicators of the balanced scorecard.

    Science.gov (United States)

    Wu, Hung-Yi

    2012-08-01

    This study presents a structural evaluation methodology to link key performance indicators (KPIs) into a strategy map of the balanced scorecard (BSC) for banking institutions. Corresponding with the four BSC perspectives (finance, customer, internal business process, and learning and growth), the most important evaluation indicators of banking performance are synthesized from the relevant literature and screened by a committee of experts. The Decision Making Trial and Evaluation Laboratory (DEMATEL) method, a multiple criteria analysis tool, is then employed to determine the causal relationships between the KPIs, to identify the critical central and influential factors, and to establish a visualized strategy map with logical links to improve banking performance. An empirical application is provided as an example. According to the expert evaluations, the three most essential KPIs for banking performance are customer satisfaction, sales performance, and customer retention rate. The DEMATEL results demonstrate a clear road map to assist management in prioritizing the performance indicators and in focusing attention on the strategy-related activities of the crucial indicators. According to the constructed strategy map, management could better invest limited resources in the areas that need improvement most. Although these strategy maps of the BSC are not universal, the research results show that the presented approach is an objective and feasible way to construct strategy maps more justifiably. The proposed framework can be applicable to institutions in other industries as well. Copyright © 2011 Elsevier Ltd. All rights reserved.

  11. Towards Sustainability: Effective Operations Strategies, Quality Management and Operational Excellence in Banking

    OpenAIRE

    Vesna Tornjanski; Sanja Marinković; Željka Jančić

    2017-01-01

    This paper sets out to extend and deepen the understanding the ways toward economic sustainability through efficient and effective growth operations strategies, quality management and operational excellence in banking. In this study we define new quality management practices based on developed conceptual architecture of digital platform for operations function in banking. Additionally, we employ decision making framework consisted of two parts: introduction of new operations services using To...

  12. Efficient Marketing Strategies in the Financial-Banking Field in Crisis Conditions

    Directory of Open Access Journals (Sweden)

    Mitran Paula Cornelia

    2009-06-01

    Full Text Available Financial-banking marketing will have to radically reform. The specialists in this field will needto give up the classic and aggressive tactics totally not transparent. They will sit in front of the clients withnon sophisticated products dressed up in strident colours. The change of the marketing tactics inside avisionary, unitary strategy will be the key to launch again the loaning on a healthy market. The bankingsystem will have to keep up with Europe, not only for the services offered to clients, but also for themarketing and promotion strategies afferent to the banking segment found in a continuous change during thelast decade. The social marketing will have to leave for always the theory sphere and all the adoptedstrategies must go through social responsibility: precise developing objectives with tangible results over time.

  13. Seed regeneration potential of canopy gaps at early formation stage in temperate secondary forests, Northeast China.

    Directory of Open Access Journals (Sweden)

    Qiao-Ling Yan

    Full Text Available Promoting the seed regeneration potential of secondary forests undergoing gap disturbances is an important approach for achieving forest restoration and sustainable management. Seedling recruitment from seed banks strongly determines the seed regeneration potential, but the process is poorly understood in the gaps of secondary forests. The objectives of the present study were to evaluate the effects of gap size, seed availability, and environmental conditions on the seed regeneration potential in temperate secondary forests. It was found that gap formation could favor the invasion of more varieties of species in seed banks, but it also could speed up the turnover rate of seed banks leading to lower seed densities. Seeds of the dominant species, Fraxinus rhynchophylla, were transient in soil and there was a minor and discontinuous contribution of the seed bank to its seedling emergence. For Quercus mongolica, emerging seedling number was positively correlated with seed density in gaps (R = 0.32, P<0.01, especially in medium and small gaps (<500 m(2. Furthermore, under canopies, there was a positive correlation between seedling number and seed density of Acer mono (R = 0.43, P<0.01. Gap formation could promote seedling emergence of two gap-dependent species (i.e., Q. mongolica and A. mono, but the contribution of seed banks to seedlings was below 10% after gap creation. Soil moisture and temperature were the restrictive factors controlling the seedling emergence from seeds in gaps and under canopies, respectively. Thus, the regeneration potential from seed banks is limited after gap formation.

  14. Seed Regeneration Potential of Canopy Gaps at Early Formation Stage in Temperate Secondary Forests, Northeast China

    Science.gov (United States)

    Yan, Qiao-Ling; Zhu, Jiao-Jun; Yu, Li-Zhong

    2012-01-01

    Promoting the seed regeneration potential of secondary forests undergoing gap disturbances is an important approach for achieving forest restoration and sustainable management. Seedling recruitment from seed banks strongly determines the seed regeneration potential, but the process is poorly understood in the gaps of secondary forests. The objectives of the present study were to evaluate the effects of gap size, seed availability, and environmental conditions on the seed regeneration potential in temperate secondary forests. It was found that gap formation could favor the invasion of more varieties of species in seed banks, but it also could speed up the turnover rate of seed banks leading to lower seed densities. Seeds of the dominant species, Fraxinus rhynchophylla, were transient in soil and there was a minor and discontinuous contribution of the seed bank to its seedling emergence. For Quercus mongolica, emerging seedling number was positively correlated with seed density in gaps (R = 0.32, P<0.01), especially in medium and small gaps (<500 m2). Furthermore, under canopies, there was a positive correlation between seedling number and seed density of Acer mono (R = 0.43, P<0.01). Gap formation could promote seedling emergence of two gap-dependent species (i.e., Q. mongolica and A. mono), but the contribution of seed banks to seedlings was below 10% after gap creation. Soil moisture and temperature were the restrictive factors controlling the seedling emergence from seeds in gaps and under canopies, respectively. Thus, the regeneration potential from seed banks is limited after gap formation. PMID:22745771

  15. GATS Impacts on Entry Modes and Defensive Marketing Strategies in the Egyptian Banking Sector

    OpenAIRE

    Lotayif, Mansour Salman Mohamad Abdel-Maguid

    2004-01-01

    This research examines the effects of GATS agreements, both on entry modes and defensive marketing strategies in the Egyptian banking sector. The research population is the Egyptian banking sector, employing a total of 83179, from which a representative sample (equal to 800 responses) was selected. As the research aims are diversified, this sample was divided into two main groups i.e. local banks and foreign branches, investigated using different questionnaires. The latter popu...

  16. Seed release in serotinous lodgepole pine forests after mountain pine beetle outbreak.

    Science.gov (United States)

    Teste, François P; Lieffers, Victor J; Landhausser, Simon M

    2011-01-01

    There are concerns that large-scale stand mortality due to mountain pine beetle (MPB) could greatly reduce natural regeneration of serotinous Rocky Mountain (RM) lodgepole pine (Pinus contorta var. latifolia) because the closed cones are held in place without the fire cue for cone opening. We selected 20 stands (five stands each of live [control], 3 years since MPB [3-yr-MPB], 6 years since MPB [6-yr-MPB], and 9 years since MPB [9-yr-MPB] mortality) in north central British Columbia, Canada. The goal was to determine partial loss of serotiny due to fall of crown-stored cones via breakage of branches and in situ opening of canopy cones throughout the 2008 and 2009 growing seasons. We also quantified seed release by the opening of forest-floor cones, loss of seed from rodent predation, and cone burial. Trees killed by MPB three years earlier dropped approximately 3.5 times more cones via branch breakage compared to live stands. After six years, MPB-killed stands had released 45% of their canopy seed bank through cone opening, cone fall due to breakage, and squirrel predation. Further losses of canopy seed banks are expected with time since we found 9-yr-MPB stands had 38% more open canopy cones. This was countered by the development of a modest forest-floor seed bank (6% of the original canopy seed bank) from burial of cones; this seed bank may be ecologically important if a fire or anthropogenic disturbance reexposes these cones. If adequate levels of regeneration are to occur, disturbances to create seedbeds must occur shortly after tree mortality, before the seed banks are lost. Our findings also suggest that the sustained seed rain (over at least nine years) after MPB outbreak may be beneficial for population growth of ground-foraging vertebrates. Our study adds insight to the seed ecology of serotinous pines under a potentially continental-wide insect outbreak, threatening vast forests adapted to regeneration after fire. Key words: biotic disturbance; cone

  17. Seed population dynamics on abandoned slopes in the hill and gully Loess Plateau region of China

    Science.gov (United States)

    Yu, Weijie; Jiao, Juying

    2017-04-01

    Recovery of natural vegetation is an effective but slow approach to control the soil erosion in the Chinese hill and gully Loess Plateau region. As seed stage is particularly vulnerable to environmental conditions, characteristics of seed population should be needed to study for determining whether the recovery of natural vegetation is limited during this stage on the abandoned slopes in this region. The study was performed on three abandoned slopes in a watershed with an area of 8.27 km2in the Shaanxi province of China. The differences in soil seed banks were investigated in two different points in time, late March2011 and early April 2013. Main factors of seed population dynamics, such as seed yield of dominant species, seed inputs by seed rain as well as seed outputs through seed loss by overland flow and seedling emergence, were monitored from late March 2011 to early April 2013. In this study, seed rain densities of the main later successional species, i.e., Lespedeza davurica, Stipa bungeana and Artemisia gmelinii accounted for 51.5-71.6% of their own seed yields. The soil seed bank density in early April 2013 was larger than that in late March 2011. The density of seed inputs by seed rain was 10186 seeds•m-2, and the total seed bank, including seed rain and seeds present in the soil seed bank in late March 2011, reached a density of 15018 seeds•m-2 during the study period. Seed densities of loss due to overland flow and seedling emergence were 79 seeds•m-2 from 20 species and 938 seedlings•m-2 that belonged to 38 species during a study period, and the seed output through them accounted for 0.5% and 6.3% of the total seed bank, respectively. The study concluded that overland flow could not result in large numbers of seeds loss and seeds were accumulating in the soil seed bank due to seed rain, and vegetation succession might be limited by curbed spatial seed dispersal and seedling establishment.

  18. Seed bank dynamics of blowout penstemon in relation to local patterns of sand movement on the Ferris Dunes, south-central Wyoming

    Science.gov (United States)

    Kassie L. Tilini; Susan E. Meyer; Phil S. Allen

    2017-01-01

    Plants restricted to active sand dunes possess traits that enable both survival in a harsh environment and local migration in response to a shifting habitat mosaic. We examined seed bank dynamics of Penstemon haydenii S. Watson (blowout penstemon) in relation to local sand movement. We measured within-year sand movement along a 400 m transect and examined plant density...

  19. Seed bank characteristics of Dutch plant communities

    NARCIS (Netherlands)

    Bekker, RM; Schaminee, JHJ; Bakker, JP; Thompson, K

    With the recent appearances of a new and well-documented classification of the Dutch plant communities (Schaminee et al 1995a,b; 1996) and a database on the seed longevity of plant species of North West Europe (Thompson ct al. 1997a) it was possible to investigate patterns of seed longevity in Dutch

  20. MARKETING STRATEGY OF STUDENTS PERCEPTION TO SAVE IN SYARIAH BANKING AT SRIWIJAYA UNIVERSITY PALEMBANG (Strategi Pemasaran Terhadap Persepsi Mahasiswa Untuk Menabung Di Bank Syariah Pada Universitas Sriwijaya Palembang

    Directory of Open Access Journals (Sweden)

    Delta Khairunnisa

    2014-08-01

    Full Text Available This research entitled Marketing Strategy of Students Perception to save in Syariah Banking at Sriwijaya University Palembang was aimed at investigating and analyzing whether mixed marketing variables altogether affected students decision on whether or not to save at Syariah Banking, and to investigate which factors that were the most dominant. This research was a causal research which used two groups of variables. They were independent variables consisting of product (X1, price (X2, place (X3, promotion (X4, people (X5, process (X6, and customer service (X7. The dependent variables was students perception (Y toward to service of syariah banking which consisted of expectation, motivation, and learning. To measure relationship among variables, multiple regression statistical analysis was used. Based on the results of regression analysis, all mixed marketing variables altogether affected students’ decision making in whether or not saving at syariah banking. Partially, variables of product, promotion and customer service had dominant affects toward students’ decision on saving at syariah banking.

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

    Directory of Open Access Journals (Sweden)

    Fernando J. Cardim de Carvalho

    2000-06-01

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

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

    International Nuclear Information System (INIS)

    Albouy, Y.

    1991-01-01

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

  3. Banco de sementes de arroz vermelho em sistemas de semeadura de arroz irrigado Red rice seed bank under seeding systems of flooded rice

    Directory of Open Access Journals (Sweden)

    Luis Antonio de Avila

    2000-10-01

    experiment. In order to estimate the seed bank, soil samples were colected using a cylinder with 10cm diameter. Twelve samples were obtained in each plot at two soil depths (0-1cm and 1-10cm and the seeds were submited to the tetrazolium test to assess its viability. The experiment was a bifatorial in a randomized block design with three replications, in which seeding systems were the main effect and sampling depth the secondary factor. The results indicated a greater number of viable red rice seeds under conventional system (1,994 seeds m², intermediate values for the no-tillage system (597 seeds m², and lower numbers under the water-seeded system (93 seeds m². Therefore, it was demonstrated that rice seeded in water-seeded system favors control of red rice, mantaining the quantity of red rice seeds in lower densities than under the conventinal or no-tillage systems.

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

    Science.gov (United States)

    Morales Pedraza, Jorge

    2008-12-01

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

  5. Investigating Seed Longevity of Big Sagebrush (Artemisia tridentata)

    Science.gov (United States)

    Wijayratne, Upekala C.; Pyke, David A.

    2009-01-01

    The Intermountain West is dominated by big sagebrush communities (Artemisia tridentata subspecies) that provide habitat and forage for wildlife, prevent erosion, and are economically important to recreation and livestock industries. The two most prominent subspecies of big sagebrush in this region are Wyoming big sagebrush (A. t. ssp. wyomingensis) and mountain big sagebrush (A. t. ssp. vaseyana). Increased understanding of seed bank dynamics will assist with sustainable management and persistence of sagebrush communities. For example, mountain big sagebrush may be subjected to shorter fire return intervals and prescribed fire is a tool used often to rejuvenate stands and reduce tree (Juniperus sp. or Pinus sp.) encroachment into these communities. A persistent seed bank for mountain big sagebrush would be advantageous under these circumstances. Laboratory germination trials indicate that seed dormancy in big sagebrush may be habitat-specific, with collections from colder sites being more dormant. Our objective was to investigate seed longevity of both subspecies by evaluating viability of seeds in the field with a seed retrieval experiment and sampling for seeds in situ. We chose six study sites for each subspecies. These sites were dispersed across eastern Oregon, southern Idaho, northwestern Utah, and eastern Nevada. Ninety-six polyester mesh bags, each containing 100 seeds of a subspecies, were placed at each site during November 2006. Seed bags were placed in three locations: (1) at the soil surface above litter, (2) on the soil surface beneath litter, and (3) 3 cm below the soil surface to determine whether dormancy is affected by continued darkness or environmental conditions. Subsets of seeds were examined in April and November in both 2007 and 2008 to determine seed viability dynamics. Seed bank samples were taken at each site, separated into litter and soil fractions, and assessed for number of germinable seeds in a greenhouse. Community composition data

  6. IDENTIFYING PRODUCT AND PRICE STRATEGIES FOR DESIGNING TRANSACTIONAL BANKING PACKAGES ADDRESSED TO SMES (CONSIDERATIONS

    Directory of Open Access Journals (Sweden)

    Giuca Simona-Mihaela

    2014-07-01

    Full Text Available The current paper has the aim to provide guidelines for designing efficient product and price strategies, through proposed business cases which could be used especially for banking products addressed to SMEs. While identifying the optimal product and price strategy and designing the product catalogue structure, the marketing specialist should definitely consider existing portfolio behaviour and estimate the growing potential (if possible, overall portfolio, with focus on accurately defining the additional impact of the newly proposed product/ products. A business case contains estimations for results to be generated by products to be launched or optimized. This paper presents complex schemes for business case scenarios for migration of existing portfolio to the new products, but also considers new clients acquisition based on important features of the products. The pricing strategy is not a simple task to manage. Especially when speaking about transactional packages (for which the price is lower than separate services included, some segments or clusters may generate loss to the bank if they already used the services at a higher price than the one of the package. Therefore, the decision of setting up specific prices needs to be based on an accurate and complex analysis, as presented in current paper. The assumptions used in a business case need to be relevant for the entire process of designing and launching a product, therefore they can always be adjusted for better calculation of the impact. No matter if the assumptions and prices remain as in the initial proposal or not, the steps to be followed are the same. Segmentation also plays an important role in designing the product strategy, since the target for a product or product catalogue can be represented by a segment, a sub segment or a cluster of many segments. Not always the initial segmentation represents the clustering for the product strategy. Sometimes, behaviour of existing clients

  7. Memahami Strategi Komunikasi Pemasaran Kartu Brizzi PT Bank BRI, Tbk. Kanwil Semarang

    Directory of Open Access Journals (Sweden)

    Widia Febriana

    2016-03-01

    Full Text Available With increasing public awareness of the technology, there are a trend the demand for banking products based on technology, in particular transactions through cards. But the public's knowledge about the e-money making product marketing e-money is still lacking. To overcome this, we need a marketing communication strategy of e-money is appropriate and effective. The cornerstone of the theory used in this study the theories of Kotler Kotler, said that elements of the promotion mix (promotion mix consists of five main device, namely: Advertising, Sales Promotions, Public Relations and publicity, Personal Selling and Direct Marketing. This research aims to determine the effectiveness of of the activities of marketing communications strategy that has been done. To analyze the marketing communication strategies, conducted research at PT. Bank Rakyat Indonesia (Persero Regional Office Semarang. Data collected from various sources consisting of external factors and internal, ie interviews, observation and documentation. Furthermore, these factors were analyzed to get the strategy formulation. Resource persons / informants consists of the CBK offices and the Customer card user Semarang BRIZZI. All of the strategies undertaken in marketing BRIZZI, the most effective way is to give the gift of groceries to customers BRIZZI users when shopping at the supermarkets in Semarang.

  8. LINGKUNGAN BISNIS DAN BUDAYA ORGANISASI: PERANANNYA TERHADAP STRATEGI BISNIS DAN KINERJA BANK UMUM SYARIAH

    Directory of Open Access Journals (Sweden)

    Arief Purwanto

    2017-03-01

    Full Text Available The purposes of the study were to examine and to prove empirically the role of business environment, organizationculture in producing the right business strategy and improving the performance of Islamic Commercial Bank(Bank Umum Syariah/BUS organizations. The population was all BUS branch offices in East Java, consisting of34 branch offices and this study was a census study. The study was analyzed using Partial Least Square (PLSwith SmartPLS software. The result of the study showed that: (1 The business environment had a direct role instrengthening organization culture and improving business strategy, but did not have a direct significant impactin improving the organization’s performance. (2 The stronger organization’s culture had an important role inimproving business strategy, but did not have a direct significant impact in improving the organization’sperformance (3 The right business strategy would improve the organization’s performance.

  9. Floristic diversity of the soil weed seed bank in a rice-growing area of Brazil: in situ and ex situ evaluation

    Directory of Open Access Journals (Sweden)

    Mário Luiz Ribeiro Mesquita

    2013-09-01

    Full Text Available The objective of this study was to compare the ex situ and in situ floristic diversity of the soil weed seed bank of a rice field in northeastern Brazil. In a rice field in the county of Bacabal, located in the state of Maranhão, thirty 25-m² plots were laid out. From 15 plots, soil samples (6/plot; n = 90 were taken with a soil probe (25 × 16 × 3 cm and placed in aluminum trays in the greenhouse. From the remaining 15 plots, weed samples (6/plot; n = 90 were taken with the same soil probe. The number of seeds was estimated by germination. We evaluated the numbers of species and individuals, as well as the density, frequency, abundance and importance value (IV for each species. Diversity was computed by the Shannon index (H'. We recorded 13,892 individuals (among 20 families, 40 genera and 60 species, of which 11,530 (among 50 species germinated ex situ and 2,362 (among 34 species germinated in situ. The family Cyperaceae had the highest number of species (16, followed by Poaceae (10. The dominant species, in situ and ex situ, were Schoenoplectus juncoides (IV=47.4% and Ludwigia octovalvis (IV=34.8%, respectively. Floristic diversity was higher ex situ (H'=2.66. The information obtained here could help determine the infestation potential of these species, which could lead to improved management strategies.

  10. Seed rain, soil seed bank, seed loss and regeneration of Castanopsis fargesii (Fagaceae) in a subtropical evergreen broad-leaved forest

    Science.gov (United States)

    Xiaojun Du; Qinfeng Guo; Xianming Gao; Keping Na

    2007-01-01

    Understanding the seed rain and seed loss dynamics in the natural condition has important significance for revealing the natural regeneration mechanisms.We conducted a 3-year field observation on seed rain, seed loss and natural regeneration of Castanopsis fargesii Franch., a dominant tree species in evergreen broad-leaved forests in Dujiangyan,...

  11. Noahs Ark of the seeds

    International Nuclear Information System (INIS)

    Tristan, R. M.

    2015-01-01

    The so-called 'vault of the end of the world', located in the archipelago Arctic Svalbard, brings together more than 860,000 samples seeds from around the world. The purpose of your existence -like the of thousands of other banks of its kind in all the planet - is to preserve the genetic diversity of crops, most of them are now disappearing. An international treaty approved by the United Nations, and in force since 2004, allowed the construction of this 'Sanctuary' where more than one hundred countries maintain their own banks of seeds, freezing them to 18 degrees below zero to lower its biological activity. (Author)

  12. Seed bank modelling of volunteer oil seed rape: from seeds fate in the soil to seedling emergence Modelagem do banco de sementes de canola: do destino das sementes no solo à emergência das plântulas

    Directory of Open Access Journals (Sweden)

    E. Soltani

    2013-06-01

    Full Text Available Studies were conducted to estimate parameters and relationships associated with sub-processes in soil seed banks of oilseed rape in Gorgan, Iran. After one month of burial, seed viability decreased to 39%, with a slope of 2.03% per day, and subsequently decreased with a lower slope of 0.01 until 365 days following burial in the soil. Germinability remained at its highest value in autumn and winter and decreased from spring to the last month of summer. Non-dormant seeds of volunteer oilseed rape did not germinate at temperatures lower than 3.8 ºC and a water potential of -1.4 MPa ºd. The hydrothermal values were 36.2 and 42.9 MPa ºd for sub- and supra-optimal temperatures, respectively. Quantification of seed emergence as influenced by burial depth was performed satisfactorily (R² = 0.98 and RMSE = 5.03. The parameters and relationships estimated here can be used for modelling soil seed bank dynamics or establishing a new model for the environment.Estudos foram realizados para estimar os parâmetros e as relações ligados a subprocessos em bancos de sementes de canola no solo, em Gorgan, Iran. Após um mês de enterrio, a viabilidade das sementes diminuiu para 39%, com inclinação de 2,03% ao dia; posteriormente, diminuiu com menor inclinação: de 0,01 até 365 dias após o enterrio no solo. A germinação manteve-se em seu maior valor no outono e inverno, reduzindo da primavera ao último mês do verão. Sementes de canola não dormentes não germinaram em temperaturas abaixo de 3,8 °C e potencial hídrico abaixo de -1,4 Mpaºd. Os valores hidrotermais foram de 36,2 e 42,9 Mpaºd para temperaturas sub e supraótima, respectivamente. A quantificação da emergência das sementes sob influência da profundidade de enterrio foi delineada de forma satisfatória (R²= 0,98 e RMSE = 5,03. Os parâmetros e as relações estimadas neste estudo podem ser utilizados em modelagens do banco de sementes do solo ou para estabelecer um novo modelo para

  13. Selection of the Bank Investment Strategy on the Basis of the Hierarchy Analysis Method

    Directory of Open Access Journals (Sweden)

    Zhytar Maksym O.

    2014-02-01

    Full Text Available The goal of the article lies in identification of a methodical approach to selection of the investment strategy of banks on the basis of factors of its formation with the use of the hierarchy analysis method. Factors of formation of the bank’s investment strategy were identified in the result of the study. The article demonstrates that selection of the investment strategy of the bank could be efficiently realised on the basis of the hierarchy analysis method, which is the most popular under conditions of a multi-criteria assessment of the search for optimal solution of the set task. The article offers a hierarchical structure of decision making, which could be a basis of selection of the bank’s investment strategy with consideration of the institutional flexibility. The prospect of further study in this direction is development of an optimisation model of the bank’s investment portfolio with consideration of not only institutional, but also market flexibility of decision making.

  14. Economies of scale and scope in banking : Effects of government intervention, corporate strategy and market power

    NARCIS (Netherlands)

    Dijkstra, M.A.

    2017-01-01

    The financial crisis and ensuing policy responses have made the question of economies of scale and scope in the banking sector as topical as ever. This dissertation estimates economies of scale and scope in the banking sector and discusses the role of government intervention, corporate strategy and

  15. Forms and Strategies of the Banks to Enter on a Foreign Market

    OpenAIRE

    Nicoleta HURDUC; Alin NIŢU

    2011-01-01

    Main forms of entry on a foreign market are greenfield investiments and achisition of a control position from a local institution. Both forms, Greenfield and acquisition entry strategies, are specific to CEE. In selecting the entry mode, one bank’s objective is to maximize its risk-adjusted rate of return. Searh for new markets strategy means that by some reasons banks are always looking for new international market.

  16. Forms and Strategies of the Banks to Enter on a Foreign Market

    Directory of Open Access Journals (Sweden)

    Nicoleta HURDUC

    2011-07-01

    Full Text Available Main forms of entry on a foreign market are greenfield investiments and achisition of a control position from a local institution. Both forms, Greenfield and acquisition entry strategies, are specific to CEE. In selecting the entry mode, one bank’s objective is to maximize its risk-adjusted rate of return. Searh for new markets strategy means that by some reasons banks are always looking for new international market.

  17. Study on Prevalence of Mycoflora in Wheat Seeds

    Directory of Open Access Journals (Sweden)

    Pratishtha Adhikari

    2016-01-01

    Full Text Available Forty seed sample of wheat (Triticum aestivum were collected from four locations viz. Chitwan, Kaski, Banke and Lalitpur and tested by blotter method at laboratory during 2013 for determining fungal pathogens associated with wheat seeds in Nepal. Eighteen species representing thirteen genera of fungi were recovered from the seed. Alternaria alternata and Bipolaris sorokiniana were predominant in all the varieties/genotypes from all the locations, where B. sorokiniana was strongly pathogenic in wheat crop. Percentage frequency and type of fungi detected varied with variety and locations. Bipolaris sorokiniana was highest (64.40% in Banke than remaining three locations. Seeds of Chitwan had lowest percentage (5.50% of seed infection as compared to other locations. Relative abundance of Alternaria alternata (55.10% was highest as it was the most prevalent component of seed borne mycoflora, followed by Bipolaris sorokiniana (34.69% and Cladosporium herbarum (7.19%. Differences in quantity of precipitation and relative humidity might be the possible reason for variation in frequency and type of fungi detected in wheat seeds of four locations.

  18. BANK PERKREDITAN RAKYAT: TEROBOSAN STRATEGIS BAGI PENGUATAN KELEMBAGAAN DAN PEMBIAYAAN USAHA KECIL

    Directory of Open Access Journals (Sweden)

    M. Syahirman Yusi

    2017-03-01

    Full Text Available Capital shortage was the main problem faced by the small scale enterprises. To solve the problem, in 2013 thegovernment legislated the regulations no. 1 about microfinance. Rural banking or BPR was one of microfinanceprograms offered the capital and other policies to improve the small scale enterprises. This paper aimed toreview the development strategy of the rural banking that supported small scale of food enterprise effectivelyin the form of financing, strengthening, and partnership in South Sumatera. Survey and interview techniquewere implemented to 225 samples and the data was analyzed by using both one way Anova Test and StructuralEquation Modeling. The result of analysis showed that all of the program offered by the rural banking hadsupported the development of small scale enterprises. Further analysis indicated that not only proposedresearch hypothesis but also the theoretical model were not rejected.

  19. From seed production to seedling establishment: Important steps in an invasive process

    Science.gov (United States)

    Ferreras, Ana Elisa; Galetto, Leonardo

    2010-03-01

    It is widely accepted that exotic invasive species are one of the most important ecological and economic problems. Reproductive and establishment traits are considered key features of a population expansion process, but few works have studied many of these simultaneously. This work examines how large the differences are in reproductive and establishment traits between two Fabaceae, the exotic invasive, Gleditsia triacanthos and the native, Acacia aroma. Gleditsia is a serious leguminous woody invader in various parts of the world and Acacia is a common native tree of Argentina. Both species have similar dispersal mechanisms and their reproductive phenology overlaps. We chose 17 plants of each species in a continuous forest of the Chaco Serrano Forest of Córdoba, Argentina. In each plant we measured fruit production, fruit removal (exclusion experiments), seed predation (pre- and post-dispersal), seed germination, seed bank (on each focal tree, three sampling periods during the year), and density of seedlings (around focal individuals and randomly in the study site). Gleditsia presented some traits that could favour the invasion process, such as a higher number of seeds per plant, percentage of scarified seed germination and density of seedlings around the focal individuals, than Acacia. On the other hand, Gleditsia presented a higher percentage of seed predation. The seed bank was persistent in both species and no differences were observed in fruit removal. This work highlights the importance of simultaneously studying reproductive and establishment variables involved in the spreading of an exotic invasive species. It also gives important insight into the variables to be considered when planning management strategies. The results are discussed from the perspective of some remarkable hypotheses on invasive species and may contribute to rethinking some aspects of the theory on invasive species.

  20. Towards Sustainability: Effective Operations Strategies, Quality Management and Operational Excellence in Banking

    Directory of Open Access Journals (Sweden)

    Vesna Tornjanski

    2017-02-01

    Full Text Available This paper sets out to extend and deepen the understanding the ways toward economic sustainability through efficient and effective growth operations strategies, quality management and operational excellence in banking. In this study we define new quality management practices based on developed conceptual architecture of digital platform for operations function in banking. Additionally, we employ decision making framework consisted of two parts: introduction of new operations services using Total Unduplicated Reach and Frequency (TURF statistical analysis and segregation of core from actual and augmented operations services utilizing Analytic Network Process (ANP method based on BOCR model. Proposed quality management practices were used for the first time in this paper for particular purposes and have the high potential to impact the excellence in banking business. The study can contribute to operations management, quality management, innovation management, IT management, business process management and decision making in service organizations.

  1. Seed storage at elevated partial pressure of oxygen, a fast method for analysing seed ageing under dry conditions

    Science.gov (United States)

    Groot, S. P. C.; Surki, A. A.; de Vos, R. C. H.; Kodde, J.

    2012-01-01

    Background and Aims Despite differences in physiology between dry and relative moist seeds, seed ageing tests most often use a temperature and seed moisture level that are higher than during dry storage used in commercial practice and gene banks. This study aimed to test whether seed ageing under dry conditions can be accelerated by storing under high-pressure oxygen. Methods Dry barley (Hordeum vulgare), cabbage (Brassica oleracea), lettuce (Lactuca sativa) and soybean (Glycine max) seeds were stored between 2 and 7 weeks in steel tanks under 18 MPa partial pressure of oxygen. Storage under high-pressure nitrogen gas or under ambient air pressure served as controls. The method was compared with storage at 45 °C after equilibration at 85 % relative humidity and long-term storage at the laboratory bench. Germination behaviour, seedling morphology and tocopherol levels were assessed. Key Results The ageing of the dry seeds was indeed accelerated by storing under high-pressure oxygen. The morphological ageing symptoms of the stored seeds resembled those observed after ageing under long-term dry storage conditions. Barley appeared more tolerant of this storage treatment compared with lettuce and soybean. Less-mature harvested cabbage seeds were more sensitive, as was the case for primed compared with non-primed lettuce seeds. Under high-pressure oxygen storage the tocopherol levels of dry seeds decreased, in a linear way with the decline in seed germination, but remained unchanged in seeds deteriorated during storage at 45 °C after equilibration at 85 % RH. Conclusions Seed storage under high-pressure oxygen offers a novel and relatively fast method to study the physiology and biochemistry of seed ageing at different seed moisture levels and temperatures, including those that are representative of the dry storage conditions as used in gene banks and commercial practice. PMID:22967856

  2. Seed storage at elevated partial pressure of oxygen, a fast method for analysing seed ageing under dry conditions.

    Science.gov (United States)

    Groot, S P C; Surki, A A; de Vos, R C H; Kodde, J

    2012-11-01

    Despite differences in physiology between dry and relative moist seeds, seed ageing tests most often use a temperature and seed moisture level that are higher than during dry storage used in commercial practice and gene banks. This study aimed to test whether seed ageing under dry conditions can be accelerated by storing under high-pressure oxygen. methods: Dry barley (Hordeum vulgare), cabbage (Brassica oleracea), lettuce (Lactuca sativa) and soybean (Glycine max) seeds were stored between 2 and 7 weeks in steel tanks under 18 MPa partial pressure of oxygen. Storage under high-pressure nitrogen gas or under ambient air pressure served as controls. The method was compared with storage at 45 °C after equilibration at 85 % relative humidity and long-term storage at the laboratory bench. Germination behaviour, seedling morphology and tocopherol levels were assessed. The ageing of the dry seeds was indeed accelerated by storing under high-pressure oxygen. The morphological ageing symptoms of the stored seeds resembled those observed after ageing under long-term dry storage conditions. Barley appeared more tolerant of this storage treatment compared with lettuce and soybean. Less-mature harvested cabbage seeds were more sensitive, as was the case for primed compared with non-primed lettuce seeds. Under high-pressure oxygen storage the tocopherol levels of dry seeds decreased, in a linear way with the decline in seed germination, but remained unchanged in seeds deteriorated during storage at 45 °C after equilibration at 85 % RH. Seed storage under high-pressure oxygen offers a novel and relatively fast method to study the physiology and biochemistry of seed ageing at different seed moisture levels and temperatures, including those that are representative of the dry storage conditions as used in gene banks and commercial practice.

  3. Proceedings of the second Australian workshop on native seed biology for revegetation

    Energy Technology Data Exchange (ETDEWEB)

    Bellairs, S.M.; Osborne, J.M. [eds.

    1997-06-01

    This conference on the use of native seed for revegetation in Australia focused on four areas; seed provenance areas; soil seed banks; seed dormancy and germinability; and seed testing; Four papers on revegetation of coal mining areas have been abstracted separately on the IEA Coal Research CD-ROM.

  4. Reviews about the Effectiveness of Marketing Strategies and Performance Marketing in the City of Sanandaj Banks

    Directory of Open Access Journals (Sweden)

    AbdolRahman Maleki Afzal

    2017-06-01

    Full Text Available The purpose of this research is to review the relationship between effectiveness of marketing strategies performance Marketing Bank branches in the city of Sanandaj. This research in terms of purpose is applied; and also in terms of method is descriptive correlational research and in term of duration is a single period. The statistical population contains staff at the branch of the bank of Sanandaj city. To choose the statistical sample by using classical random sampling and according to the statistical formula, a sample of 302 people is selected from among the statistical population. According to research methodology and the type of the underlying data in this study, questionnaire of standard marketing strategies and researcher marketing performance are used as the main tool to measure and data collection. In order to do the statistical analysis, SPSS statistical analysis software is used. The findings show that there is a significant positive relationship between the effectiveness of marketing strategies and Performance Marketing Banks city of Sanandaj. Also, the results show that between all of the components of the effectiveness of marketing strategies and Performance Marketing (customer-philosophy (0.611, Integrated Marketing Effort (0.562, Marketing Information (0.361, Strategic orientation (0.573, Orientation Efficiency (0.678 there is a significant relationship.

  5. Potential for seed bank formation of two weed species from Brazilian Amazonia Potencial para a formação de banco de sementes de duas espécies de plantas daninhas da Amazônia brasileira

    Directory of Open Access Journals (Sweden)

    Moacyr B. Dias-Filho

    1999-08-01

    Full Text Available The potential for seed bank formation of two perennial weed species, Ipomoea asarifolia (Desr. Roem. & Schult. (Convolvulaceae and Stachytarpheta cayennensis (Rich. M. Vahl (Verbenaceae, both common in Amazonia , was evaluated in a degraded pasture area in eastern Brazilian Amazonia . Seeds were enclosed in nylon mesh packets and placed at the soil surface or buried at 5 or 10 cm deep. The number of viable seeds was recorded at 6, 10, 14 and 18 months after burial. Results showed that S. cayennensis has the ability to form persistent soil seed bank, while I. asarifolia seeds do not build up in the soil seed bank. For S. cayennensis and, to some extent, for I. asarifolia, seed survival was highest at greater burial depths.O potencial para a formação de banco de sementes de duas espécies perenes de plantas daninhas, Ipomoea asarifolia (Desr. Roem. & Schult. (Convolvulaceae e Stachytarpheta cayennensis (Rich. M. Vahl (Verbenaceae, ambas comuns na Amazônia, foi avaliado em uma área de pastagem degradada na Amazônia oriental brasileira. As sementes foram inseridas em envelopes de tela de nylon e colocadas na superfície do solo ou enterradas a cinco ou 10 cm de profundidade. O número de sementes viáveis foi avaliado aos 6, 12, 14 e 18 meses após o início do ensaio. Os resultados mostraram que S. cayennensis tem o potencial para formar banco de sementes persistente, enquanto que as sementes de I. asarifolia não apresentam esse potencial. Em S. cayennensis e, de certo modo, em I. asarifolia, a sobrevivência de sementes foi maior nas maiores profundidades.

  6. Seed germination, seedling traits, and seed bank of the tree Moringa peregrina (Moringaceae) in a hyper-arid environment.

    Science.gov (United States)

    Gomaa, Nasr H; Picó, F Xavier

    2011-06-01

    Water-limited hot environments are good examples of hyper-aridity. Trees are scarce in these environments but some manage to survive, such as the tree Moringa peregrina. Understanding how trees maintain viable populations in extremely arid environments may provide insight into the adaptive mechanisms by which trees cope with extremely arid weather conditions. This understanding is relevant to the current increasing aridity in several regions of the world. Seed germination experiments were conducted to assess variation in seed mass, seed germination, and seedling traits of Moringa peregrina plants and the correlations among these traits. A seed burial experiment was also designed to study the fate of M. peregrina seeds buried at two depths in the soil for two time periods. On average, seeds germinated in three days and seedling shoots grew 0.7 cm per day over three weeks. Larger seeds decreased germination time and increased seedling growth rates relative to smaller seeds. Seeds remained quiescent in the soil and germination was very high at both depths and burial times. The after-ripening time of Moringa peregrina seeds is short and seeds germinate quickly after imbibition. Plants of M. peregrina may increase in hyper-arid environments from seeds with larger mass, shorter germination times, and faster seedling growth rates. The results also illustrate the adjustment in allocation to seed biomass and correlations among seed and seedling traits that allows M. peregrina to be successful in coping with aridity in its environment.

  7. Oviposition strategies of conifer seed chalcids in relation to host phenology

    Science.gov (United States)

    Rouault, Gaëlle; Turgeon, Jean; Candau, Jean-Noël; Roques, Alain; Aderkas, Patrick

    2004-10-01

    associated with Pinaceae can oviposit in unfertilized ovules, whereas those exploiting Cupressaceae cannot, and thus oviposit only in already fully developed fertilized seeds. Furthermore, we predict that the presence of a larva in unfertilized ovules of all Pinaceae will influence the development of the female gametophyte by preventing its abortion. This influence on the Pinaceae can be interpreted as an ability to parasitize any of the potential seeds present in a seed cone, and as such represents a much more efficient oviposition strategy than searching and locating only fertilized seeds. Concomitantly, this ability has likely led to an overestimation of the impact of the species of seed chalcid infesting Pinaceae on seed production.

  8. Do we need big banks? Evidence on performance, strategy and market discipline

    NARCIS (Netherlands)

    Bertay, A.C.; Demirgüc-Kunt, A.; Huizinga, H.P.

    2013-01-01

    For an international sample of banks, we construct measures of a bank’s absolute size and its systemic size defined as size relative to the national economy. We then examine how a bank’s risk and return on equity, its activity mix and funding strategy, and the extent to which it faces market

  9. Do We need Big Banks? Evidence on Performance, Strategy and Market Discipline

    NARCIS (Netherlands)

    Demirgüc-Kunt, A.; Huizinga, H.P.

    2011-01-01

    For an international sample of banks, we construct measures of a bank’s absolute size and its systemic size defined as size relative to the national economy. We then examine how a bank’s risk and return, its activity mix and funding strategy, and the extent to which it faces market discipline depend

  10. Analysis prediction of Indonesian banks (BCA, BNI, MANDIRI) using adaptive neuro-fuzzy inference system (ANFIS) and investment strategies

    Science.gov (United States)

    Trianto, Andriantama Budi; Hadi, I. M.; Liong, The Houw; Purqon, Acep

    2015-09-01

    Indonesian economical development is growing well. It has effect for their invesment in Banks and the stock market. In this study, we perform prediction for the three blue chips of Indonesian bank i.e. BCA, BNI, and MANDIRI by using the method of Adaptive Neuro-Fuzzy Inference System (ANFIS) with Takagi-Sugeno rules and Generalized bell (Gbell) as the membership function. Our results show that ANFIS perform good prediction with RMSE for BCA of 27, BNI of 5.29, and MANDIRI of 13.41, respectively. Furthermore, we develop an active strategy to gain more benefit. We compare between passive strategy versus active strategy. Our results shows that for the passive strategy gains 13 million rupiah, while for the active strategy gains 47 million rupiah in one year. The active investment strategy significantly shows gaining multiple benefit than the passive one.

  11. Soil seed banks and their germination responses to cadmium and salinity stresses in coastal wetlands affected by reclamation and urbanization based on indoor and outdoor experiments.

    Science.gov (United States)

    Bai, Junhong; Huang, Laibin; Gao, Zhaoqin; Lu, Qiongqiong; Wang, Junjing; Zhao, Qingqing

    2014-09-15

    Indoor and outdoor seedling emergence experiments were conducted to thoroughly investigate germination patterns as affected by reclamation and urbanization, the ecological characteristics of soil seed banks, and their relationships with environmental factors in both urbanized and reclaimed regions of the Pearl River Delta in coastal wetlands. The germination rate of the soil seed bank was higher in the indoor experiment compared with that in the outdoor experiment, whereas the number and destiny of the germinated seedlings were greater in the outdoor experiment. The species diversity and number, as well as the richness and evenness indices, were higher in the urbanized region compared with the reclaimed region. However, the dominance and Sørensen similarity indices were greater in the reclaimed region compared with those indices in the urbanized region. Higher salinity and Cadmium (Cd) levels could inhibit seed germination; however, their suitable ranges (i.e. [0-2,000 mg kg(-1)] for salinity and [0-4.0 mg kg(-1)] for available Cd) can activate seedling emergence, and more seedlings germinated under the intersectional levels at 0.34 mg kg(-1) available Cd and 778.6 mg kg(-1) salinity. Seawater intrusion caused by the sea level rise will possibly result in the salt-tolerant community in this area due to increasing salinity. Copyright © 2014 Elsevier B.V. All rights reserved.

  12. Evolução do banco de sementes de arroz vermelho em diferentes sistemas de utilização do solo de várzeas Red rice seed bank evolution under different systems of lowland utilization

    Directory of Open Access Journals (Sweden)

    Luis A. de Avila

    2000-08-01

    Full Text Available Num ecossistema agrícola, a redução do banco de sementes é um dos aspectos mais importantes no manejo de plantas daninhas; e em solos de várzeas, o arroz vermelho (Oryza sativa L. é atualmente considerado a principal planta daninha. Nesse sentido, conduziu-se um experimento com o objetivo de avaliar a evolução do banco de sementes de arroz vermelho no solo em diferentes sistemas de semeadura de arroz irrigado e em alternativas de manejo do solo de várzea. O experimento foi instalado em campo por dois anos consecutivos na mesma área (safras agrícolas 1996/97 e 1997/98 em Santa Maria, RS, em solo classificado como Planossolo, com infestação média de 516 sementes viáveis de arroz vermelho/m². A estimativa do banco de sementes de arroz vermelho foi realizada através de 10 coletas de solo, utilizando um cilindro com 0,10m de diâmetro a 0,10m de profundidade. Após a coleta, os grãos foram separados do solo e realizado teste de tetrazólio para determinar a quantidade de sementes viáveis na amostra. As coletas foram realizadas antes da instalação do experimento (set/1996, após a colheita do primeiro ano (mai/1997 e após a colheita do segundo ano (mai/1998. Os resultados mostraram que o cultivo do arroz no sistema convencional promove aumento no banco de sementes de arroz vermelho, enquanto que a semeadura de arroz em solo inundado (mix de pré-germinado, prégerminado ou transplante de mudas é tão eficiente na redução do banco de sementes de arroz vermelho quanto a rotação com o sorgo, o pousio do solo sem a presença de animais e também o preparo de verão.In an agricultural ecosystem, the redution of weed seed bank is of utmost importance. In lowland areas, red rice (Oryza sativa is the most important weed. Therefore, an experiment was conducted to evaluate the evolution of the red rice seed bank under different seeding systems and alternatives of soil management. The experiment was conducted during two years (1996

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

    Directory of Open Access Journals (Sweden)

    Raden Ajeng Entaresmen

    2017-02-01

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

  14. Operational risk in bank governance and control: How to save capital requirement through a risk transfer strategy. Evidences from a simulated case study

    Directory of Open Access Journals (Sweden)

    Enzo Scannella

    2015-06-01

    Full Text Available Operational risk management in banking has assumed such importance during the last decade. It has become increasingly important to measure, manage, and assess the impact of operational risk in the economics of banking. The purpose of this paper is to demonstrate how an effective operational risk management provides mitigating effects on capital-at-risk in banking. The paper provides evidences that an implementation of an operational risk transfer strategy reduces bank capital requirement. The paper adopts the loss distribution approach, the Monte Carlo simulation, and copula methodologies to estimate the regulatory capital and simulate an operational risk transfer strategy in banking.

  15. PAYMENT INNOVATIONS IN POLAND: THE ROLE OF PAYMENT SERVICES IN THE STRATEGIES OF COMMERCIAL BANKS

    OpenAIRE

    Polasik, Michał; Piotrowski, Dariusz

    2016-01-01

    This paper examines the significance of innovations in the area of payment services for strategies implemented by commercial banks in Poland. We propose a definition of payment innovations and present the evolution of their introduction in the Polish market, indicating the impact of legal regulations and the critical character of the new FinTech phenomenon. The analysis that we conducted was based on the results of a survey which obtained responses from 24 commercial banks representing almost...

  16. Optimization of cooling strategy and seeding by FBRM analysis of batch crystallization

    Science.gov (United States)

    Zhang, Dejiang; Liu, Lande; Xu, Shijie; Du, Shichao; Dong, Weibing; Gong, Junbo

    2018-03-01

    A method is presented for optimizing the cooling strategy and seed loading simultaneously. Focused beam reflectance measurement (FBRM) was used to determine the approximating optimal cooling profile. Using these results in conjunction with constant growth rate assumption, modified Mullin-Nyvlt trajectory could be calculated. This trajectory could suppress secondary nucleation and has the potential to control product's polymorph distribution. Comparing with linear and two step cooling, modified Mullin-Nyvlt trajectory have a larger size distribution and a better morphology. Based on the calculating results, the optimized seed loading policy was also developed. This policy could be useful for guiding the batch crystallization process.

  17. Export marketing strategies for the Northern Ireland seed potato industry

    OpenAIRE

    Lamont, Jeffrey

    1989-01-01

    This thesis is concerned primarily with the export marketing performance of the Northern Ireland seed potato industry. The Industry has shown a dramatic decline in exports over the past twenty years, and this thesis proposes strategies aimed at regaining, and maintaining, a competitive advantage for the industry in world markets. A comparative analysis is conducted of the strategic and organisational export capabilities of the Northern Ireland industry and its main compet...

  18. 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...

  19. BANK SAMPAH SEBAGAI ALTERNATIF STRATEGI PENGELOLAAN SAMPAH BERBASIS MASYARAKAT DI TASIKMALAYA (Bank Sampah (Waste Banks as an Alternative of Community-Based Waste Management Strategy in Tasikmalaya

    Directory of Open Access Journals (Sweden)

    Donna Asteria

    2016-02-01

    Full Text Available ABSTRAK Perubahan paradigma masyarakat mengenai sampah perlu dilakukan secara berkelanjutan. Edukasi kesadaraan dan keterampilan warga untuk pengelolaan sampah dengan penerapan prinsip reduce, reuse, recycle dan replant (4R penting dalam penyelesaian masalah sampah melalui pengelolaan sampah sejak dari sumbernya. Bank sampah yang berbasiskan partisipasi warga perempuan merupakan modal sosial dalam pengelolaan sampah berbasis masyarakat. Bank sampah yang diintegrasikan dengan prinsip 4R dilaksanakan di Kampung Karangresik, Tasikmalaya, Indonesia. Kegiatan bank sampah merupakan konsep pengumpulan sampah kering dan dipilah serta memiliki manajemen layaknya perbankan tapi yang ditabung bukan uang melainkan sampah. Pemberdayaan warga melalui kegiatan penyuluhan, edukasi, pelatihan dengan metode partisipasi emansipatoris (interaksi dan komunikasi, serta dialog dengan warga di komunitas. Selain itu diperlukan dukungan kemitraan dengan membangun jejaring dan mekanisme kerja sama kelembagaan antara warga pengelola bank sampah dengan stakeholder terkait. Bank Sampah Pucuk Resik (BSPR di Kampung Karangresik ini telah memberikan manfaat kepada warga, terutama manfaat langsung dengan berkurangnya timbulan sampah di komunitas, lingkungan menjadi lebih bersih dan asri, serta kemandirian warga secara ekonomi. Selain manfaat secara ekonomi, dimana dari tabungan sampah memperoleh uang untuk membayar listrik dan membeli sembako, juga terwujudnya kesehatan lingkungan, dengan kondisi komunitas yang lebih bersih, hijau, nyaman, dan sehat. Pengelolaan sampah terintegrasi dapat menstimulasi kreativitas dan inovasi dari masyarakat sehingga meningkatkan kesejahteraan warga. ABSTRACT Change of paradigm in community about the waste needs to be done with sustainable action. Education of awareness and skills of citizen for waste management with the application of the principle of reduce, reuse, recycle and replant (4R is important in solving the waste problem through waste

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

    Directory of Open Access Journals (Sweden)

    Masnawati .

    2016-04-01

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

  1. A simulation model for seasonal changes in dormancy and germination of weed seeds

    NARCIS (Netherlands)

    Vleeshouwers, L.M.; Bouwmeester, H.J.

    2001-01-01

    A model has been developed to simulate the annual dormancy cycle of seeds of light-requiring species in the seed bank and the germination of exhumed seeds after irradiation. Simulation of dormancy and germination is based on a physiological model concerning the action of phytochrome in the seed.

  2. Empty seeds are not always bad: simultaneous effect of seed emptiness and masting on animal seed predation.

    Directory of Open Access Journals (Sweden)

    Ramón Perea

    Full Text Available Seed masting and production of empty seeds have often been considered independently as different strategies to reduce seed predation by animals. Here, we integrate both phenomena within the whole assemblage of seed predators (both pre and post-dispersal and in two contrasting microsites (open vs. sheltered to improve our understanding of the factors controlling seed predation in a wind-dispersed tree (Ulmus laevis. In years with larger crop sizes more avian seed predators were attracted with an increase in the proportion of full seeds predated on the ground. However, for abundant crops, the presence of empty seeds decreased the proportion of full seeds predated. Empty seeds remained for a very long period in the tree, making location of full seeds more difficult for pre-dispersal predators and expanding the overall seed drop period at a very low cost (in dry biomass and allocation of C, N and P. Parthenocarpy (non-fertilized seeds was the main cause of seed emptiness whereas seed abortion was produced in low quantity. These aborted seeds fell prematurely and, thus, could not work as deceptive seeds. A proportion of 50% empty seeds significantly reduced ground seed predation by 26%. However, a high rate of parthenocarpy (beyond 50% empty seeds did not significantly reduce seed predation in comparison to 50% empty seeds. We also found a high variability and unpredictability in the production of empty seeds, both at tree and population level, making predator deception more effective. Open areas were especially important to facilitate seed survival since rodents (the main post-dispersal predators consumed seeds mostly under shrub cover. In elm trees parthenocarpy is a common event that might work as an adaptive strategy to reduce seed predation. Masting per se did not apparently reduce the overall proportion of seeds predated in this wind-dispersed tree, but kept great numbers of seeds unconsumed.

  3. The effect of fire on the dormancy break of annual legume seeds

    Directory of Open Access Journals (Sweden)

    Fabio Gresta

    2011-07-01

    Full Text Available Fire is a common phenomenon in the Mediterranean environment and strongly influences vegetal population dynamics through its impact on vegetation and the soil seed bank. Fire is able to break down the seed coat of hard-seeded legumes within the soil and trigger germination. To evaluate the effect of fire on the dormancy break in Medicago ciliaris, Medicago rugosa and Scorpiurus muricatus subsp. subvillosus, the seeds were placed at three different depths (surface, 25 mm and 50 mm and subjected to fires at two different intensities (high and low. As a control sample, a batch of seeds was buried at 25 mm for the duration of the trial and not subjected to fire. Soil temperatures during the fire were compared directly to stubble quantity and indirectly related to soil depth. The two Medicago species survived exposure to 90°C for a few minutes and displayed a significant increase in germination with exposure to high temperatures (over 70°C for several minutes. On the other hand, no germination occurred in Scorpiurus, irrespective of treatment. In conclusion, fire had a significant and positive effect in triggering germination of the Medicago species, but the dispersal strategies of these hard-seeded legumes are only partially interrupted by fire as a large number of seeds (>50% remained non-germinated in the soil.

  4. Seed persistence in the field may be predicted by laboratory-controlled aging

    NARCIS (Netherlands)

    Long, Rowena L.; Panetta, F. Dane; Steadman, Kathryn J.; Probert, Robin; Bekker, Renee M.; Brooks, Simon; Adkins, Steve W.

    2008-01-01

    Weed management is complicated by the presence of soil seed banks. The complexity of soil-seed interactions means that seed persistence in the field is often difficult to measure, let alone predict. Field trials, although accurate in their context, are time-consuming and expensive to conduct for

  5. BANCO DE SEMILLAS EN UN BOSQUE DE ROBLE DE LA CORDILLERA CENTRAL COLOMBIANA SOIL SEED BANK IN AN OAK FOREST FROM THE COLOMBIAN CENTRAL CORDILLERA

    Directory of Open Access Journals (Sweden)

    Luz Bibiana Moscoso Marín

    2005-12-01

    Full Text Available El banco de semillas del suelo es importante para el funcionamiento del ecosistema, pues se constituye en un reservorio de especies listas a germinar cuando se presenta una perturbación o cuando las condiciones ambientales cambian para iniciar el proceso de sucesión. El objetivo principal de esta investigación fue evaluar la variación espacial del banco de semillas y su relación con la vegetación actual en un fragmento de bosque altoandino dominado por roble de tierra fría (Quercus humbodtii Bonpl. a 2.290 m.s.n.m. en la cuenca de la Quebrada Piedras Blancas, en el departamento de Antioquia, Colombia. Allí se estableció una parcela de 6.400 m², donde se eligieron 57 puntos de muestreo. En cada uno de ellos se colectó una muestra de hojarasca y una de suelo. Además se marcaron cinco subparcelas de 160 m²para hacer el muestreo de la vegetación. La determinación del banco de semillas se hizo por el método de germinación directa, evaluando la emergencia de plántulas. En total, se censaron 204 individuos pertenecientes a 25 familias y 41 géneros. Las especies con mayor representación fueron Alfaroa cf. colombiana, Myrcia popayanensis Rich. y Quercus humboldtii Bonpl. En el ensayo de germinación se obtuvieron 428 individuos en las muestras de suelo y 113 en las de hojarasca, pertenecientes a 20 morfoespecies. La composición de especies del banco de semillas de este fragmento de robledal, no reflejó la composición actual de la vegetación del bosque. El banco de semillas esta constituido principalmente por especies herbáceas y en menor proporción por arbustos. La hojarasca contiene poca cantidad de semillas (198 semillas m-2 y en los primeros 10 cm del suelo se acumula una gran cantidad de semillas viables (4.330 semillas m-2. Se presenta una variación espacial significativa en la densidad de semillas del suelo a través del bosque a escala de unos pocos metros.Soil seed banks are important for ecosystem functioning because

  6. Reviews about the Effectiveness of Marketing Strategies and Performance Marketing in the City of Sanandaj Banks

    OpenAIRE

    AbdolRahman Maleki Afzal; Heirsh SoltanPanah

    2017-01-01

    The purpose of this research is to review the relationship between effectiveness of marketing strategies performance Marketing Bank branches in the city of Sanandaj. This research in terms of purpose is applied; and also in terms of method is descriptive correlational research and in term of duration is a single period. The statistical population contains staff at the branch of the bank of Sanandaj city. To choose the statistical sample by using classical random sampling and according to the ...

  7. The correlation between Prorocentrum donghaiense blooms and the Taiwan warm current in the East China Sea - evidence for the "Pelagic Seed Bank" hypothesis.

    Science.gov (United States)

    Dai, Xinfeng; Lu, Douding; Guan, Weibing; Xia, Ping; Wang, Hongxia; He, Piaoxia; Zhang, Dongsheng

    2013-01-01

    During the last two decades, large-scale high biomass algal blooms of the dinoflagellate Prorocentrum donghaiense Lu have occurred frequently in the East China Sea (ECS). The role of increasing nutrient concentrations in driving those blooms is well-established, but the source population that initiates them is poorly understood. We hypothesized that the front of Taiwan Warm Current (TWC) may serve as a 'seed bank' that initiates P. donghaiense blooms in the ECS, as the physiochemical conditions in the TWC are suitable for the growth of P. donghaiense. In order to test this hypothesis, two surveys at different spatio-temporal scales were conducted in 2010 and 2011. We found a strong correlation in space and time between the abundance of P. donghaiense and the TWC. The spatial extent of the P. donghaiense bloom coincided with the TWC front in both 2010 and 2011. During the early development of the blooms, P. donghaiense concentration was highest at the TWC front, and then the bloom mass shifted inshore over the course of our 2011 survey. The TWC also moved inshore, albeit after the appearance of P. donghaiense. Overall, these results support our hypothesis that P. donghaiense blooms develop from the population at the TWC front in the ECS, suggesting the role of the ocean current front as a seed bank to dinoflagellate blooms.

  8. The correlation between Prorocentrum donghaiense blooms and the Taiwan warm current in the East China Sea - evidence for the "Pelagic Seed Bank" hypothesis.

    Directory of Open Access Journals (Sweden)

    Xinfeng Dai

    Full Text Available During the last two decades, large-scale high biomass algal blooms of the dinoflagellate Prorocentrum donghaiense Lu have occurred frequently in the East China Sea (ECS. The role of increasing nutrient concentrations in driving those blooms is well-established, but the source population that initiates them is poorly understood. We hypothesized that the front of Taiwan Warm Current (TWC may serve as a 'seed bank' that initiates P. donghaiense blooms in the ECS, as the physiochemical conditions in the TWC are suitable for the growth of P. donghaiense. In order to test this hypothesis, two surveys at different spatio-temporal scales were conducted in 2010 and 2011. We found a strong correlation in space and time between the abundance of P. donghaiense and the TWC. The spatial extent of the P. donghaiense bloom coincided with the TWC front in both 2010 and 2011. During the early development of the blooms, P. donghaiense concentration was highest at the TWC front, and then the bloom mass shifted inshore over the course of our 2011 survey. The TWC also moved inshore, albeit after the appearance of P. donghaiense. Overall, these results support our hypothesis that P. donghaiense blooms develop from the population at the TWC front in the ECS, suggesting the role of the ocean current front as a seed bank to dinoflagellate blooms.

  9. Strategies for Seed Propagation of Native Forbs

    Science.gov (United States)

    Susan E. Meyer

    2006-01-01

    Native forbs are an increasingly important component of container production for many public and private nurseries. Propagators are often called upon to grow species with unknown requirements. A systematic approach is required to obtain plants from seeds of these species, beginning with determining what is a propagule and evaluating seed quality. Next, seed dormancy...

  10. Financial Performance Analysis to Reformulate Business Strategy (Case Study: Bank Syariah Mandiri KCP XYZ)

    OpenAIRE

    Rachmadiah, Euis; Aliludin, Arson

    2013-01-01

    The purpose of this research is to analyzing Financial Performance of KCP XYZ of PT Bank Syariah Mandiri in order to reformulate business strategy and its implementation plan. The strategy formulation is conducted with evaluating its current performance as a first stage element. Financial Performance analysis by 4 financial ratios; ROA, BOPO, NCOM, FDR and 4 growth ratios; Growth of Assets, Growth of Depositor Funds, Growth of Financing and Growth of Net Earnings, is chosen to evaluate the po...

  11. Revisão de modelos matemáticos da dinâmica do banco de sementes de plantas daninhas em agrossistemas Review of mathematical models of weed seed bank dynamics

    Directory of Open Access Journals (Sweden)

    L.S. Vismara

    2007-03-01

    Full Text Available O crescimento das plantas obedece a certos princípios fisiológicos, que podem ser descritos em termos quantitativos, até certo ponto, por equações matemáticas. No ambiente agrícola, a dinâmica do banco de sementes está fortemente relacionada ao estabelecimento de espécies daninhas e pode ser descrita por um sistema de equações que relaciona a densidade de plântulas com a densidade de sementes produzidas em áreas de cultivo. O objetivo deste artigo foi descrever, através de modelos matemáticos citados na literatura, as características do comportamento dinâmico do banco de sementes de populações de plantas daninhas em sistemas agrícolas.Plant growth follows certain physiological principles that can be quantitatively described, up to a certain extent, by mathematical equations. In agrosystems, seed bank dynamics is strongly related to the establishment of weed species and can be described as a system of equations that relates seedling density with the density of seeds produced in cultivation areas. The objective of this work is to describe, using mathematical models cited in the literature, the characteristics of the dynamic behavior of weed seed bank populations in agrosystems.

  12. The effect of fire on the dormancy break of three annual legume seeds

    Directory of Open Access Journals (Sweden)

    Fabio Gresta

    2011-07-01

    Full Text Available Fire is a common phenomenon in the Mediterranean environment and strongly influences vegetal population dynamics through its impact on vegetation and the soil seed bank. Fire is able to break down the seed coat of hard-seeded legumes within the soil and trigger germination. To evaluate the effect of fire on the dormancy break in Medicago ciliaris, Medicago rugosa and Scorpiurus muricatus subsp. subvillosus, the seeds were placed at three different depths (surface, 25 mm and 50 mm and subjected to fires at two different intensities (high and low. As a control sample, a batch of seeds was buried at 25 mm for the duration of the trial and not subjected to fire. Soil temperatures during the fire were compared directly to stubble quantity and indirectly related to soil depth. The two Medicago species survived exposure to 90°C for a few minutes and displayed a significant increase in germination with exposure to high temperatures (over 70°C for several minutes. On the other hand, no germination occurred in Scorpiurus, irrespective of treatment. In conclusion, fire had a significant and positive effect in triggering germination of the Medicago species, but the dispersal strategies of these hard-seeded legumes are only partially interrupted by fire as a large number of seeds (>50% remained non-germinated in the soil.

  13. Banking Competition Measurement and Banking Sector Performance: Analysis of 4 ASEAN Countries

    Directory of Open Access Journals (Sweden)

    Buddi Wibowo

    2017-02-01

    Full Text Available Many believe concentrated  banking industry which is dominated by few  big banks creates lower  competition, high profitability, and low efficiency. The main issue in empirical testing of this hypothesis is how to measure banking competition level. Traditional measures of competition are  concentration ratio and Herfindahl-Hirschman Index. This study uses three measures of banking level competition which are widely used in recent  financial literature: Boone Indicator, Lerner Index and H-Panzar-Rosse  statistics.  Lerner Index and H-Panzar-Rosse statistics resulted a similar competition level conclusion, while Boone Indicator produced slightly different output. Industry concentration produced opposing results with those three level of industry competition measurement methods. The results show  banking competition tend to be a monopolistic competition in ASEAN countries, especially in Indonesia which banks’ strategy basically were non-pricing strategy. Competition significantly caused lower profitability, while banking efficiency was not significantly affected by level of competition.DOI:  10.15408/sjie.v6i1.4547

  14. Expansion strategies of banks: does size matter?

    Directory of Open Access Journals (Sweden)

    Luiz Fernando Rodrigues de Paula

    2002-01-01

    Full Text Available This paper discusses whether there is some evidence in recent literature that banks do obtain economies of scale and scope when they expand their activities, mainly by mergers and acquisitions (M&As. In this connection, this paper shows that, although there is no clear evidence that such economies have been reached by the banks, the final cost-benefit balance of M&As extracted from literature seems to favour the more universal financial franchise. However, these results are neither unequivocal nor asserted a priori. Indeed, M&As can be desirable for banks if the former are expected to increase profits independently of the effect they may have on the latter's operational efficiency.

  15. The effects of IT and open innovation strategies on innovation and financial performances in the banking sector

    Directory of Open Access Journals (Sweden)

    Tornjanski Vesna

    2016-01-01

    Full Text Available This paper deals with the effects IT and open innovation strategies have on innovation and financial performances in the Serbian banking sector, using the case study method based on qualitative and quantitative data. The research results point to the need for introducing the concept of open innovation in the banking sector i.e. to adequately incorporate external knowledge in innovation processes using appropriate technologies. Employees and established partnerships with key stakeholders are the two most significant sources for the generation and commercialization of radical innovations, while customers and other sources of knowledge acquisition allow the generation of various knowledge and ideas, and the creation of incremental innovations with the primary purpose of satisfying the end users of banking services, improving existing processes and service quality. To maximize utilization of resources from the open innovation model, the concluding paragraph contains recommendations for managers in the banking sector. The study may be useful for managers in the financial services, banking, IT sector and innovation management.

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

    OpenAIRE

    Hidayat, Ayat; Koesrindartoto, Deddy P

    2013-01-01

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

  17. STRATEGIES FOR HIGHER SATISFACTION OF THE ROMANIAN BANKING CUSTOMERS

    Directory of Open Access Journals (Sweden)

    Danciu Victor

    2009-05-01

    Full Text Available A bank must identify, assesses and clearly and fully understands customers’ values and expectations if it’s target is their higher satisfaction. The banking customers are expecting to receive individual attention and support and good quality banking prod

  18. Soil weed seed bank in situ and ex situ at a smallholder field in Maranhão State, northeastern Brazil

    Directory of Open Access Journals (Sweden)

    Mário Luiz Ribeiro Mesquita

    2014-11-01

    Full Text Available The objective of this research was to assess the density, floristic composition,  phytosociology and diversity of a soil weed seed bank ex situ by germination in a greenhouse and in situ by weed sampling on a smallholder corn field located in Lago Verde County, Maranhão State. Fifteen pairs of 25 m2 plots were designated. In half of these plots, 90 soil samples were collected with an open metal template measuring 25 x 16 x 3 cm and placed in a greenhouse to germinate. In the other half, 90 weed samples were collected using the same metal template. We recorded a total of 1,998 individuals from 40 species, 31 genera and 16 families, from which 659 individuals germinated in situ and 1,339 exsitu. Density was higher ex situ, with 372 plants m-2. The Cyperaceae family had the highest floristic richness with nine species, followed by the Poaceae with six. The dominant species based on the Importance Value Index were Lindernia crustacea (IVI 27.7% in situ and Scleria lithosperma (IVI 37.0% ex situ. Floristic diversity was higher ex situ, with H’ = 2.66 nats ind-1. These results could help predict infestation potential and could lead to improved weed management strategies in corn-growing areas on smallholdings in Maranhão State, northeastern Brazil.

  19. 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

  20. Selected aspects of tiny vetch [Vicia hirsuta (L. Gray S.F.] seed ecology: generative reproduction and effects of seed maturity and seed storage on seed germination

    Directory of Open Access Journals (Sweden)

    Magdalena Kucewicz

    2012-12-01

    Full Text Available Vicia hirsuta (L. Gray S.F. (tiny vetch is a common and persistent segetal weed. Tiny vetch seeds and pods reach different stages of maturity during the crop harvest season. Some seeds that mature before cereal harvest are shed in the field and deposited in the soil seed bank, while others become incorporated into seed material. The objective of this study was to describe selected aspects of tiny vetch seed ecology: to determine the rate of individual reproduction of vetch plants growing in winter and spring grain crops and to evaluate the germination of seeds at different stages of maturity, subject to storage conditions. The seeds and pods of V. hirsuta were sorted according to their development stages at harvest and divided into two groups. The first group was stored under laboratory conditions for two months. In the autumn of the same year, the seeds were subjected to germination tests. The remaining seeds were stored in a storeroom, and were planted in soil in the spring. The germination rate was evaluated after 8 months of storage. Potential productivity (developed pods and flowers, fruit buds was higher in plants fruiting in winter wheat than in spring barley. Vetch plants produced around 17-26% more pods (including cracked, mature, greenish-brown and green pods and around 25% less buds in winter wheat than in spring barley. Immature seeds were characterized by the highest germination capacity. Following storage under laboratory conditions and stratification in soil, mature seeds germinated at a rate of several percent. After storage in a storeroom, seeds at all three development stages broke dormancy at a rate of 72- 75%. The high germination power of tiny vetch seeds stored in a storeroom indicates that this plant can be classified as an obligatory speirochoric weed species.

  1. Six Dimension Strategy As A Basis Of Banking Standard Contract

    Directory of Open Access Journals (Sweden)

    Wulanmas Frederik

    2012-01-01

    Full Text Available Indonesia banking based on Article 4 of Act No.10, 1998, aims at supporting the implementation of national development in order to improve equity, economic growth and national stability in the direction of improving people’s welfare. Therefore, to show how important is banking role in supporting the implementation of development, the 6 (six Strategic Dimensions as the foundation of Banking Standards Contract are: (1. Prudent Banking Supervision and Good Corporate Governance (GCG in banking activities, (2. Refunctionalization the principle of Contract Law in Banking Standards Contract, (3. Ethics Value in Business, (4. The Act No. 8, 1999 on Consumer Protection, (5. Enforcement of Human Rights Principles in banking activities, (6. Abuse of Circumstances implementations (Misbruik van Omstandigheden in banking Contract. Based on the 6 (six Strategic Dimension as the foundation of Banking Standard Contract, it will undoubtedly create justice, equity and assurance of the rights and obligations of the parties framed in the contractual and law bonds.

  2. Activity, Density, and Weed Seed Predation Potential of Ground Beetles in Annual Row Crops of the Pacific Northwest

    Science.gov (United States)

    Regulation of weed seed banks in agricultural systems involves management of seed input from seed rain, and seed removal from mortality and germination. While seed rain, germination, and emergence are managed using a number of methods such as tillage and herbicides, management of seed mortality is f...

  3. Composicion y variabilidad espacialdel banco de semillas de malezas en un area agricolade azul (Argentina Composition and spatial variation of a weed seed bank on an agricultural area in Azul, Argentina

    Directory of Open Access Journals (Sweden)

    Eduardo Requesens

    1999-08-01

    characterize the weed seed bank of such area in a global way. The whole rank of seed density and the relative abundance distribution and spatial design of species were analyzed. The basic information was obtained applying the germination technique to soil samples corresponding to 20 sites on a regional transect of 14 km. The seed density rank for the study area was 1173-44000 seeds/m2, and 33 species were recorded. Digitaria sanguinalis is the predominant species with 43 % of the seed bank, followed by Polygonum aviculare with 15 %. Both species together with Anagallis arvensis and Setaria viridis constitute the 70 % of the seed bank. The spatial distribution of species along the transect showed a variable aggregation degree, recording a significant positive correlation between the contribution to seed bank and the variance/mean ratio. This correlation demostrates that the most abundant species show a greater spatial variation, although different distribution patterns were observed.

  4. The European carbon market (2005-2007): banking, pricing and risk hedging strategies

    International Nuclear Information System (INIS)

    Chevallier, J.

    2008-11-01

    This thesis investigates the market rules of the European carbon market (EU ETS) during 2005-2007. We provide theoretical and empirical analyses of banking and borrowing provisions, price drivers and risk hedging strategies attached to tradable quotas, which were introduced to cover the CO 2 emissions of around 10,600 installations in Europe. In Chapter 1, we outline the economic and environmental effects of banking and borrowing on tradable permits markets. More specifically, we examine the banking and borrowing provisions adopted in the EU ETS, and the effects of banning banking between Phases I and II on CO 2 price changes. We show statistically that the low levels of CO 2 prices recorded until the end of Phase I may be explained by the restriction on the inter-period transfer of allowances, besides the main explanations that were identified by market observers. In Chapter 2, we identify the carbon price drivers since the launch of the EU ETS on January 1, 2005. We emphasize the central role played by the 2005 yearly compliance event imposed by the European Commission in revealing the net short/long position at the installation level in terms of allowances allocated with respect to verified emissions. The main result of this study features that price drivers of CO 2 allowances linked to energy market prices and unanticipated weather events vary around institutional events. Moreover, we show the influence of the variation of industrial production in three sectors covered by the EU ETS on CO 2 price changes by applying a disentangling analysis, that has also been extended at the country-level. In Chapter 3, we focus on the risk hedging strategies linked to holding CO 2 allowances. By using a methodology applied on stock markets, we recover the changes in investors' average risk aversion. This study shows that, during the time period considered, risk aversion has been higher on the carbon market than on the stock market, and that the risk is linked to an increasing

  5. Bird Perches Increase Forest Seeds on Puerto Rican Landslides.

    Science.gov (United States)

    Aaron B. Shiels; Lawrence R. Walker

    2003-01-01

    Landslides result in the loss of vertical vegetative structure, soil nutrients, and the soil seed bank. These losses impede timely recovery of tropical forest communities. In this study we added bird perches to six Puerto Rican landslides with three types of surfaces (bare, climbing fern, grass) in an effort to facilitate inputs of forest seeds through bird dispersal...

  6. Importance of earthworm-seed interactions for the composition and structure of plant communities: A review

    Science.gov (United States)

    Forey, Estelle; Barot, Sébastien; Decaëns, Thibaud; Langlois, Estelle; Laossi, Kam-Rigne; Margerie, Pierre; Scheu, Stefan; Eisenhauer, Nico

    2011-11-01

    Soil seed bank composition and dynamics are crucial elements for the understanding of plant population and community ecology. Earthworms are increasingly recognized as important dispersers and predators of seeds. Through direct and indirect effects they influence either positively or negatively the establishment and survival of seeds and seedlings. Seedling establishment is affected by a variety of earthworm-mediated mechanisms, such as selective seed ingestion and digestion, acceleration or deceleration of germination, and seed transport. Earthworm casts deposited on the soil surface and the entrance of earthworm burrows often contain viable seeds and constitute important regeneration niches for plant seedlings and therefore likely favour specific seed traits. However, the role of earthworms as seed dispersers, mediators of seed bank dynamics and seed predators has not been considered in concert. The overall effect of earthworms on plant communities remains little understood. Most knowledge is based on laboratory studies on temperate species and future work has to explore the biological significance of earthworm-seed interactions under more natural conditions. In this review we summarize the current knowledge on earthworm-seed interactions and discuss factors determining these interactions. We highlight that this interaction may be an underappreciated, yet major driving force for the dynamics of soil seed banks and plant communities which most likely have experienced co-evolutionary processes. Despite the experimental bias, we hypothesize that the knowledge gathered in the present review is of crucial relevance for restoration and conservation ecology. For instance, as earthworms emerge as successful and ubiquitous invaders in various ecosystems, the summarized information might serve as a basis for realistic estimations and modelling of consequences on native plant communities. We depict promising directions of future research and point to the need to consider

  7. Bank lending strategy, credit scoring and financial crises

    NARCIS (Netherlands)

    Dinh, T.H.T.; Kleimeier, S.; Straetmans, S.T.M.

    2013-01-01

    Adverse selection inherent in the bank-borrower relationship typically intensifies during crises. This problem is expecially severe in emerging markets, characterized by weak institutions and banks with poorly developed monitoring and screening abilities. Exploiting a unique sample of Vietnamese

  8. Farmers' seed sources and seed quality: 1. Physical and physiological quality

    NARCIS (Netherlands)

    Bishaw, Z.; Struik, P.C.; Gastel, van A.J.G.

    2012-01-01

    Understanding farmers' seed quality problem will enable farmers to devise strategies to improve quality at the farm level. The study was conducted to assess the quality of seed used by farmers from different sources and regions. A total of 304 wheat (Trticium aestivum L. and T. durum L.) seed

  9. [Desiccation tolerance in seeds of Prosopisferox and Pterogyne nitens (Fabaceae)].

    Science.gov (United States)

    Morandini, Marcelo Nahuel; Giamminola, Eugenia Mabel; de Viana, Marta Leonor

    2013-03-01

    The high number of endemisms and species diversity together with the accelerated biodiversity loss by deforestation, especially in North Western Argentina, points out the need to work on species conservation combining ex situ and in situ strategies. The aim of this work was to study the desiccation tolerance in seeds of P ferox and P nitens for long term ex situ conservation at the Germplasm Bank of Native Species (BGEN) of the National University of Salta (Argentina). The fruits were collected from ten individuals in P ferox at the National Park Los Cardones and from two sites (Orán and Rivadavia) for P nitens. Desiccation tolerance was assessed following previous established methodologies. The moisture content (MC) of the seeds was determined by keeping them in oven at 103 degreeC and weighting the samples at different intervals till constant weight. Germination essays were carried out with two treatments (control and scarification), with different seed MC (fresh, 10-12%, 3-5%) and in desiccated seeds (3-5% MC) stored six months at -20 degreeC. The MC in P ferox seeds was 14.2% and 10% in P nitens, for both populations studied. Percentage germination in P ferox was higher in the scarification treatments (<82%). The difference between treatments increased with the reduction in MC and the storage for six months at -20 degreeC. Fresh seeds of P nitens do not need scarification treatment, but it is required with the reduction in MC and storage. Mean germination percentage of desiccated seeds stored six months at -20 degreeC was similar in both populations and greater than 82%.We concluded that both species are probably orthodox because seeds tolerated desiccation to 3-5% and storage for six months at -20 degree C.

  10. A study on the mechanism of speculative attack and the defence strategy of the central bank.

    Directory of Open Access Journals (Sweden)

    Chang-Hyun Yun

    1999-09-01

    Full Text Available We first analyze the concrete mechanism of speculative attack on the foreign exchange market which became very prevalent phenomena during the foreign exchange crisis. When the central bank of the domestic country tries to defend the attack by increasing the interest rate, some problems can arise in that the speculative attacks through foreign exchange options market and/or index futures markets can be very successful due to that policy. So the central bank should pay much attention to the microstructure of the financial markets when the defence strategy against speculative attack is determined.

  11. 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

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

    OpenAIRE

    World Bank Group

    2012-01-01

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

  13. THE SEED PRODUCTIVITY OF PLANTS IN CENOPOPULATION TULIPA BIFLORA UNDER THE CONDITIONS OF The Republic of Kalmykia

    Directory of Open Access Journals (Sweden)

    Aleksandra Sergeevna Ochirova

    2017-12-01

    Full Text Available Background: Viable seeds in the composition of populations are considered as an indicator of the life strategy of species. Hence, seed productivity can be considered as an important indicator of species adaptation to habitat conditions. The replaceable productivity of bulbous ephemeroids growing in arid conditions has not been studied sufficiently. In connection with the foregoing, our goal was to identify the seed productivity of plants in the tulip cenopopulations of the two-flowered tulip – Tulipa biflora Pall. (Liliaceae, which is recommended for protection in the conditions of Kalmykia. Materials and metods: Three cenopopulations of Tulipa biflora were studied in different plant communities on brown light loamy solonetzic soils. The sample size was no less than 30 plants of Tulipa biflora, their mature fruits were considered in the aspects of the measured features, their potential and actual seed production, as well as the percentage of seminification. The density of generative plants was taken into account at 10 sites of 0.5 square meters, located along the transect. Resalts: Biometric signs of the fetus in plants in Tulipa biflora populations were positively correlated with air temperature during the active vegetation period of the species. The potential and actual seed productivity of plants in the Tulipa biflora cenpopulations in 2017 is more than in 2016, however, the percentage of seminification marked the reverse results: in 2017 it was 4.7–10.4% lower. In this case, the plants of one of the Tulipa biflora cenopopulations, showed the greatest percentage of seminification in both studies: in 2016 – 77.5, in 2017 – 67.1 pieces of seeds per plant. The mature seed bank which is formed during the growing season in the cenopopulations of Tulipa biflora during the years under the study amounted to 782.8–1338.4 seeds per 1.0 sq.m. Conclusion: The idea of a bank of mature seeds was got – 782.8–1338.4 seeds per 1.0 m2, which is

  14. LOAN DISTRIBUTION STRATEGY PT. BANK X (PERSERO, TBK – BOGOR CREDIT BUSINESS UNIT

    Directory of Open Access Journals (Sweden)

    Isyana Mitrady

    2015-12-01

    Full Text Available PT. Bank X (Persero, Tbk has credit business unit and one of them is located in Bogor, which experienced decreased performance from year to year because of the increasing of competitiveness among rivalry. The decrease of performance measured both from realization of distribution credit and level of bad loans or Non Performing Loans (NPL. This research aimed to analyze the loan portfolio strategies based on the precautionary principle in the company. This research begins with identification factors affecting the company on its business both internal and external factors. The study was conducted qualitatively by filling questionnaires and in-depth interviews to seven experts on credit sector. Internal and external factors are treated with EFE-IFE matrix then IE matrix to determine the condition of the company, then a SWOT analysis to formulate some alternative strategies was carried out and last method is QSPM to choose the best strategic alternatives for the company. The results showed that the relative strength of the company has not been strong in overcoming internal weaknesses, but the company is considered good enough to take advantage of the opportunities that exist outside and can overcome challenges. Interest rates on loans, convenience and services to debtors, the technology owned by, also the opening of the public mindset about the banking world are the important factors that affect the company in doing business. Based on the QSPM result, supply chain utilization from existing debtor is the best strategy for prudent lending in company.Keyword: loan, non performing loan, IE Matrix, SWOT, QSPMABSTRAKPT. Bank X (Persero, Tbk memiliki salah satu unit bisnis penyalur kredit yang terletak di Bogor dan mengalami penurunan kinerja dari tahun ke tahun akibat persaingan yang semakin kompetitif. Penurunan kinerja tersebut diukur dari sisi realisasi penyaluran kredit maupun dari tingkat kredit macet. Penelitian ini bertujuan untuk menganalisis

  15. Seed loss and volunteer seedling establishment of rapeseed in the northernmost European conditions: potential for weed infestation and GM risks

    Directory of Open Access Journals (Sweden)

    Pirjo Peltonen-Sainio

    2014-11-01

    Full Text Available Rapeseed soil seed bank development and volunteer plant establishment represent substantial risk for crop infestation and GM contamination. This study was designed to complement such investigations with novel understanding from high latitude conditions. Four experiments were designed to characterise seed loss at harvest, persistence, viability and capacity for volunteer seedling establishment, as well as impact of management measures on soil seed bank dynamics. Oilseed rape was the primary crop investigated due to the availability of GM cultivars and because of the increasing importance. Harvest losses and soil seed bank development were significant. Volunteer seedlings emerged at reasonably high rates, especially in the first autumn after harvest, but about 10% of buried seeds maintained their viability for at least three years. Soil incorporation methods had no major effect on numbers of volunteer seedlings, but herbicide treatments controlled volunteer seedlings efficiently, though not completely, due to irregular timing of seedling emergence.

  16. Banco de sementes de aveia preta no solo sob dois sistemas de manejo Soil seed bank of black oat in two management systems

    Directory of Open Access Journals (Sweden)

    Marcos Paulo Ludwig

    2011-01-01

    Full Text Available As sementes de aveia preta (Avena strigosa Schreb. possuem a capacidade de permanecer viáveis no solo de um ano de cultivo para outro. Dessa forma, o objetivo do trabalho foi avaliar o número de sementes de aveia preta resultantes de dois sistemas de manejo (colheita e ressemeadura natural, que poderão formar o banco de sementes do solo. Os ensaios foram realizados no município de Jari - RS, em uma área cultivada sob o sistema de "plantio direto". Foram coletadas 50 amostras em cada sistema de manejo, com um espaçamento de 10x20m, utilizando um amostrador de diâmetro de 0,05m e uma profundidade de 0,1m. O levantamento do número de sementes e da emergência das plântulas foi realizado no Laboratório Didático da Faculdade de Agronomia Eliseu Maciel (UFPel. Constatou-se que a colheita e a ressemeadura natural possibilitam a presença de sementes no solo por área, em quantidades superiores à indicada para a semeadura. Com a colheita, a área fica heterogênea em número de sementes no solo e em plântulas emergidas. A ressemeadura natural resulta em uma grande quantidade de sementes no solo e formação de plântulas.The black oat (Avena strigosa Schreb. seeds are able to remain alive in soil from a culture to another. The objective of this study was to evaluate the number of black oat seeds resulting from two management, harvesting, and natural reseeding, which could form the seed bank of soil. The experiments were conducted in Jari-RS, Brazil, the cultivation system is "No Tillage". Were collected 50 samples in each management, at a spacing of 10mx20m, using a sampler diameter of 0.05m and depth of 0.1m. The evaluation of the number of seeds and seedling emergence was accomplish at the Laboratory of Seeds Analysis of the Faculdade de Agronomia "Eliseu Maciel" (UFPEL. It was found that both as the crop as the natural seeding allow large quantities of seeds in the soil for the upper area suitable for planting. The harvest area is

  17. The seasonal dormancy pattern and germination of Matricaria maritima subsp. inodora (L. Dostal seeds in hydrotime model terms

    Directory of Open Access Journals (Sweden)

    Anna Bochenek

    2011-01-01

    Full Text Available Changes in hydrotime model parameters were determined in Matricaria maritima L. subsp. inodora seeds during burial in a field in order to describe the seasonal dormancy pattern. Seeds were exhumed at regular intervals over a year and incubated at different water potentials at 19°C. Germination time courses were analyzed to determine hydrotime population parameters. Values of ѱb(50, ѲH and σѱb varied each month. Mean base water potential values in seeds exhumed each month were related to precipitation over 20 days before their exhumation. Soil temperature could be a trend-controlling factor of this relationship. The seeds were in deep dormancy after remaining 80-90 days in soil below or above limit temperature 15°C. The application of the hydrotime model to describe and predict seasonal dormancy patterns of weed seed is promising, especially for species with a considerable diversification of life strategies and ecophysiological flexibility of diaspores. It could also suggest mechanisms of seasonal dormancy changes of seeds in natural conditions and provide a basis for their examination. One of advantages of the dormancy pattern description of weed seeds remaining in a soil bank by means of threshold models is its simplicity.

  18. Optimal preventive bank supervision

    OpenAIRE

    Belhaj, Mohamed; Klimenko, Nataliya

    2012-01-01

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

  19. Marketing Aspect of Banking Competition

    Directory of Open Access Journals (Sweden)

    Nieizviestna Olena V.

    2015-03-01

    Full Text Available The aim of the article is to study the need for application of marketing tools in order to improve competitiveness and competitive advantages of banks. By analyzing, systematizing and summarizing the scientific works of many scientists, the relationship between the competitiveness of the commercial bank and its share in the banking market has been discovered. In the process of studying the integration of the strategy of maximizing customer satisfaction in the practice of strategic competition in the banking market there was presented the author’s position regarding the need to take into account the structure of the customer loyalty, as it is it that helps to properly distribute the bank’s marketing efforts. It has been proved that the technology of bank marketing should not only include the systems of identifying customer needs, creation of new financial products, but also contribute to the formation of the multi-factor strategic model of competitive strategy of the bank competitive development. It has been proposed to use the SWOT-analysis in order to effectively manage the bank’s competitiveness.

  20. The European Central Bank : Independence, accountability and strategy: A review

    NARCIS (Netherlands)

    De Haan, J

    1997-01-01

    This paper reviews research on central banking and monetary policy, with special emphasis on the position of the future European Central Bank. Nowadays, it is often thought that an independent central bank with an explicit mandate to aim for price stability constitutes an important institutional

  1. Soil-seed bank survival in forests of the southern United States

    Science.gov (United States)

    James S. Meadows; Frank T. Bonner; James D. Haywood

    2006-01-01

    We evaluated the longevity of seeds of 12 common woody species buried in fresh condition in the forest floor at three forest locations in Mississippi and Louisiana. Seed samples of each species were retrieved annually for 5 years from each location. Germination and tetrazolium chloride staining tests were conducted on the samples to determine germinative capacity. When...

  2. 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.

  3. Seed dispersal in fens

    Science.gov (United States)

    Middleton, B.; Van Diggelen, R.; Jensen, K.

    2006-01-01

    Question: How does seed dispersal reduce fen isolation and contribute to biodiversity? Location: European and North American fens. Methods: This paper reviews the literature on seed dispersal to fens. Results: Landscape fragmentation may reduce dispersal opportunities thereby isolating fens and reducing genetic exchange. Species in fragmented wetlands may have lower reproductive success, which can lead to biodiversity loss. While fens may have always been relatively isolated from each other, they have become increasingly fragmented in modern times within agricultural and urban landscapes in both Europe and North America. Dispersal by water, animals and wind has been hampered by changes related to development in landscapes surrounding fens. Because the seeds of certain species are long-lived in the seed bank, frequent episodes of dispersal are not always necessary to maintain the biodiversity of fens. However, of particular concern to restoration is that some dominant species, such as the tussock sedge Carex stricta, may not disperse readily between fens. Conclusions: Knowledge of seed dispersal can be used to maintain and restore the biodiversity of fens in fragmented landscapes. Given that development has fragmented landscapes and that this situation is not likely to change, the dispersal of seeds might be enhanced by moving hay or cattle from fens to damaged sites, or by reestablishing lost hydrological connections. ?? IAVS; Opulus Press.

  4. An Optimal Investment Strategy and Multiperiod Deposit Insurance Pricing Model for Commercial Banks

    Directory of Open Access Journals (Sweden)

    Grant E. Muller

    2018-01-01

    Full Text Available We employ the method of stochastic optimal control to derive the optimal investment strategy for maximizing an expected exponential utility of a commercial bank’s capital at some future date T>0. In addition, we derive a multiperiod deposit insurance (DI pricing model that incorporates the explicit solution of the optimal control problem and an asset value reset rule comparable to the typical practice of insolvency resolution by insuring agencies. By way of numerical simulations, we study the effects of changes in the DI coverage horizon, the risk associated with the asset portfolio of the bank, and the bank’s initial leverage level (deposit-to-asset ratio on the DI premium while the optimal investment strategy is followed.

  5. Noahs Ark of the seeds; El Arca de Noe de las semillas

    Energy Technology Data Exchange (ETDEWEB)

    Tristan, R. M.

    2015-07-01

    The so-called 'vault of the end of the world', located in the archipelago Arctic Svalbard, brings together more than 860,000 samples seeds from around the world. The purpose of your existence -like the of thousands of other banks of its kind in all the planet - is to preserve the genetic diversity of crops, most of them are now disappearing. An international treaty approved by the United Nations, and in force since 2004, allowed the construction of this 'Sanctuary' where more than one hundred countries maintain their own banks of seeds, freezing them to 18 degrees below zero to lower its biological activity. (Author)

  6. Seed morphology, germination phenology, and capacity to form a seed bank in six herbaceous layer apiaceae species of the eastern deciduous forest

    Science.gov (United States)

    Tracy S. Hawkins; Jerry M. Baskin; Carol C. Baskin

    2007-01-01

    We compared seed mass, seed morphology, and long-term germination phenology of three monocarpic (MI and three polycarpic (P) Apiaceae species of the herbaceous layer of the Eastern Deciduous Forest. Seeds (mericarps) of the six species differed considerably in mass, shape, and ornamentation. Mean seed masses were ranked Cryptotaenia canadensis (M)...

  7. Liquidity of Czech and Slovak commercial banks

    Directory of Open Access Journals (Sweden)

    Pavla Vodová

    2012-01-01

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

  8. The Aquatic Macrophyte Seed Bank in Lake Onalaska, Wisconsin

    National Research Council Canada - National Science Library

    McFarland, D

    1998-01-01

    .... americana have made a partial recovery. While the production of vegetative propagules may largely account for increases in populations of both species, the extent to which seed production may contribute to their expansion in the lake is unknown...

  9. Banking Strategy Demography - Future Population Trend: Implication for Banking

    OpenAIRE

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

    2010-01-01

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

  10. Strategic marketing planning and the Nigerian banking industry ...

    African Journals Online (AJOL)

    Strategic marketing planning and the Nigerian banking industry. ... However, banks often have problem of formulating good marketing strategy plan that will enhance the bank general performance. ... EMAIL FULL TEXT EMAIL FULL TEXT

  11. Effect of Time and Burial Depth on Breaking Seed dormancy and Germination of Weed Seeds

    Directory of Open Access Journals (Sweden)

    marzie mazhari

    2016-02-01

    Full Text Available Introduction: Weeds limit crop growth, development and yield through competing. Seed bank of weeds in field is one of the sources which can affect weed management and their control methods. Environmental conditions during seed maturation and following dispersal interact to influence the germination phenology of many species. Disturbance plays a key role in the maintenance of habitat for many plant species, particularly referrals, for example, fire ephemerals, desert annuals, and arable weeds. Seed germination and emergence depend on endogenous and exogenous factors. Viable seeds are dormant when all environmental conditions are appropriate for germination but seeds fail to germinate. Thus, dormancy plays an important ecological role in preventing seed germination, being a major contributor to seed persistence of some species in soil. Buried seeds of annual weeds are certainly subjected to different soil moisture conditions during their dormancy release season (winter according to the annual rainfall pattern and burial depth. Shallow buried seeds are exposed to soil moisture fluctuations that could affect their dormancy status. Laboratory studies showed that desiccation and subsequent re-hydration of seeds could stimulate germination and modify seed light requirements. Seeds buried in deeper layers of the soil would not be exposed to such fluctuations in soil moisture, but would be exposed to different soil moisture environments depending on weather and soil characteristics. The effects of interactions between temperature, and soil or seed moisture, on seed dormancy changes have been reported for several species. Therefore, the objectives of this study were to determine the effect of time and burial depth treatments on seed germination and seedling emergence of Aegilops cylindrica, Agropyrom repens, Avena fatua, Bromus dantoniae, Cynodon dactylon, Cyprus rotundus, Setaria viridis, Anthriscus sylvestris, Centurea cyanus. Materials and Methods: In

  12. Banco de sementes de plantas daninhas em solo cultivado com pastagens de Brachiaria brizantha e Brachiaria humidicola de diferentes idades Weed seed bank in soil cultivated with pasture of Brachiaria brizantha and Brachiaria humidicola of different ages

    Directory of Open Access Journals (Sweden)

    D.S.M. Silva

    2001-08-01

    Full Text Available Estudou-se o banco de sementes do solo de uma pastagem de Brachiaria brizantha com 4 anos de idade e de pastagens de Brachiaria humidicola com 4, 15 e 20 anos de idade, localizadas no nordeste do Estado do Pará. Objetivou-se avaliar a influência da espécie forrageira e da idade da pastagem no tamanho e na composição do banco de sementes de plantas daninhas do solo. Cada pastagem foi dividida em cinco áreas de aproximadamente 500 m², sendo retiradas, de cada área, 10 subamostras de solo na profundidade de 0-10 cm. Cada amostra composta das 10 subamostras de solo foi homogeneizada, identificada, distribuída em bandeja de plástico e levada para germinar em casa de vegetação durante um período de 15 meses. O banco de sementes do solo da pastagem de B. brizantha foi em torno de 10 vezes menor que o da pastagem de B. humidicola de mesma idade. Com relação ao efeito da idade da pastagem, entre as pastagens de B. humidicola, o banco de sementes foi menor naquela de 20 anos de idade (1.247 sementes m-2, não tendo sido detectada diferença significativa entre as pastagens de 15 (11.602 sementes m-2 e 4 (9.486 sementes m-2 anos de idade. As famílias botânicas Cyperaceae, Rubiaceae e Labiateae foram as de maior predominância entre as plantas daninhas infestantes da área, em todos os tratamentos estudados.The objective of this work was to study the soil seed bank of a four-year-old Brachiaria brizantha pasture soil, and in pasture soils of four, 15 and 20 year-old Brachiaria humidicola, in northeastern Pará, Brazil, to evaluate the influence of the forage species and pasture age on weed seed bank size and composition. Each pasture area was divided into five plots of about 500 m², from which 10 soil sub-samples were collected at a depth of 0-10 cm. The soil from each plot was mixed, identified, placed in plastic trays, and put to germinate in a greenhouse during a 15-month period. The seed bank of the four-year-old B. brizantha pasture

  13. Interactions between seed traits and digestive processes determine the germinability of bird-dispersed seeds.

    Science.gov (United States)

    Kleyheeg, Erik; Claessens, Mascha; Soons, Merel B

    2018-01-01

    Waterbirds disperse a wide range of plant seeds via their guts, promoting biotic connectivity between isolated habitat patches. However, the intensity of digestive forces encountered by seeds, and therefore their potential to survive digestive tract passage, varies within and between waterbird species. Here, we investigate under controlled conditions how the interaction between seed traits and digestive strategies affect the germinability of seeds following waterbird-mediated dispersal. We exposed seeds of 30 wetland plant species to the main digestive processes in the dabbling duck digestive system: mechanical, chemical and intestinal digestion. These were simulated by 1) a pressure test and scarification treatment, 2) incubation in simulated gastric juice, and 3) incubation in intestinal contents of culled mallards (Anas platyrhynchos). We evaluated their separate and combined effects on seed germination, and identified the role of seed size and seed coat traits in resisting the digestive forces. Seeds were generally resistant to separate digestive processes, but highly sensitive to a combination. Resistance to mechanical break-down was reduced by up to 80% by chemical pre-treatment, especially for seeds with permeable coats. Scarified seeds were 12-17% more vulnerable to chemical and intestinal digestive processes than undamaged seeds. Large seeds and seeds with thin, permeable coats were particularly sensitive to chemical and intestinal digestion. These results indicate that efficient digestion of seeds requires multiple digestive processes. The gizzard, responsible for mechanical digestion, plays a key role in seed survival. Omnivorous birds, which have relatively light gizzards compared to pure herbivores or granivores, are thus most likely to disperse seeds successfully. Regardless of digestive strategy, small seeds with tough seed coats are most resistant to digestion and may be adapted to endozoochorous dispersal by waterbirds.

  14. Interactions between seed traits and digestive processes determine the germinability of bird-dispersed seeds

    Science.gov (United States)

    Soons, Merel B.

    2018-01-01

    Waterbirds disperse a wide range of plant seeds via their guts, promoting biotic connectivity between isolated habitat patches. However, the intensity of digestive forces encountered by seeds, and therefore their potential to survive digestive tract passage, varies within and between waterbird species. Here, we investigate under controlled conditions how the interaction between seed traits and digestive strategies affect the germinability of seeds following waterbird-mediated dispersal. We exposed seeds of 30 wetland plant species to the main digestive processes in the dabbling duck digestive system: mechanical, chemical and intestinal digestion. These were simulated by 1) a pressure test and scarification treatment, 2) incubation in simulated gastric juice, and 3) incubation in intestinal contents of culled mallards (Anas platyrhynchos). We evaluated their separate and combined effects on seed germination, and identified the role of seed size and seed coat traits in resisting the digestive forces. Seeds were generally resistant to separate digestive processes, but highly sensitive to a combination. Resistance to mechanical break-down was reduced by up to 80% by chemical pre-treatment, especially for seeds with permeable coats. Scarified seeds were 12–17% more vulnerable to chemical and intestinal digestive processes than undamaged seeds. Large seeds and seeds with thin, permeable coats were particularly sensitive to chemical and intestinal digestion. These results indicate that efficient digestion of seeds requires multiple digestive processes. The gizzard, responsible for mechanical digestion, plays a key role in seed survival. Omnivorous birds, which have relatively light gizzards compared to pure herbivores or granivores, are thus most likely to disperse seeds successfully. Regardless of digestive strategy, small seeds with tough seed coats are most resistant to digestion and may be adapted to endozoochorous dispersal by waterbirds. PMID:29614085

  15. Banco de semillas en ambientes de las sierras de Azul (Buenos Aires, Argentina con distinta intensidad de disturbios Seed bank in environments of the Azul sierras (Buenos Aires, Argentina with different disturbance intensities

    Directory of Open Access Journals (Sweden)

    F. Gianaccini

    2009-12-01

    Full Text Available A fin de evaluar el impacto de la agricultura sobre la flora potencial de pastizales serranos en el Partido de Azul (Buenos Aires, Argentina, se comparó el banco de semillas en los 20 cm superficiales del suelo entre dos sectores adyacentes en las primeras estribaciones serranas. Uno de ellos está sometido a agricultura permanente y el otro conserva un pastizal natural bajo pastoreo y quemas no programados. Este último sector presentó en promedio una densidad de 70.000 sem m-2 contra 36.720 sem m-2 en el primero. La representación de semillas de especies nativas se redujo notablemente en el ambiente agrícola. Stipa caudata con 31360 sem m-2 resultó la especie más abundante en el pastizal. En el ambiente de cultivo, su densidad se redujo a 9940 sem m-2 y fue superada por Chenopodium album con 10560 sem m-2. La similitud en la composición del banco fue de 55% en términos cualitativos y 27% en términos cuantitativos. Estos resultados evidencian que, en el área de estudio, el reemplazo del pastizal natural por agricultura reduce notoriamente las reservas de semillas y modifica la composición cualitativa y cuantitativa del banco con una elevada pérdida en la proporción de especies nativas.In order to evaluate the impact of agriculture on the potential flora of grasslands of the sierras of Azul (Buenos Aires Province, Argentina, the soil seed bank in the top 20 cm from two adjacent areas on the first foothill spurs were compared. One is submitted to continuous agriculture. The other area has grasslands under grazing and non programmed burning. The latter showed a mean density of 70.000 seeds m-2 against a mean density of 36.720 seeds m-2 in the first area. The proportional representation of native species seeds decreased strongly in the agricultural environment. The most abundant species in the grasslands was Stipa caudata (31.360 seeds m-2. In the agricultural environment, its density decreased to 9940 seeds m-2. It was surpassed by

  16. SEGMENTATION OF SME PORTFOLIO IN BANKING SYSTEM

    Directory of Open Access Journals (Sweden)

    Namolosu Simona Mihaela

    2013-07-01

    Full Text Available The Small and Medium Enterprises (SMEs represent an important target market for commercial Banks. In this respect, finding the best methods for designing and implementing the optimal marketing strategies (for this target are a continuous concern for the marketing specialists and researchers from the banking system; the purpose is to find the most suitable service model for these companies. SME portfolio of a bank is not homogeneous, different characteristics and behaviours being identified. The current paper reveals empirical evidence about SME portfolio characteristics and segmentation methods used in banking system. Its purpose is to identify if segmentation has an impact in finding the optimal marketing strategies and service model and if this hypothesis might be applicable for any commercial bank, irrespective of country/ region. Some banks are segmenting the SME portfolio by a single criterion: the annual company (official turnover; others are considering also profitability and other financial indicators of the company. In some cases, even the banking behaviour becomes a criterion. For all cases, creating scenarios with different thresholds and estimating the impact in profitability and volumes are two mandatory steps in establishing the final segmentation (criteria matrix. Details about each of these segmentation methods may be found in the paper. Testing the final matrix of criteria is also detailed, with the purpose of making realistic estimations. Example for lending products is provided; the product offer is presented as responding to needs of targeted sub segment and therefore being correlated with the sub segment characteristics. Identifying key issues and trends leads to further action plan proposal. Depending on overall strategy and commercial target of the bank, the focus may shift, one or more sub segments becoming high priority (for acquisition/ activation/ retention/ cross sell/ up sell/ increase profitability etc., while

  17. Productivity of seed agrocenosis of common millet (Panicum miliaceum L. at varying so­ ing w terms and techniques under the conditions of Right- Bank Forest-Steppe

    Directory of Open Access Journals (Sweden)

    С. П. Полторецький

    2013-08-01

    Full Text Available The objective of the research is to improve the techno­logy of growing high-quality seeds of millet broomcorn by means of the optimization of sowing terms and methods, aimed at increasing its productivity and improving seed qualities under conditions of unstable moistening of the Right-Bank Forest-Steppe of Ukraine. Scientific literature review indicates the study of the influence of these technology elements on the formation of sowing qualities and crop capacity of millet seeds has been of schematic and occasional nature. The issue has not been studied in this region condition at all, that is why the research has considerable significance and novelty. Analysis, observations and calculations were done by means of conventional methods. Research results indicate that under conditions of unstable moistening of the southern part of the Right-Bank Forest-Steppe of Ukraine the highest yield of Slobozhanske and Lana varieties was reached at sowing in drills – 39.2 and 41.0 metric centners per hectare, respectively. That was 2.4 and 3.9 metric centners per hectare increase against the wide-row sowing. In the years with optimal hydrothermal conditions maximum seed productivity of millet broomcorn at the level of 4.24 to 4.79 metric tons per hectare (Slobozhanske variety and 4.53 to 5.28 metric tons per hectare (Lana variety was observed at postponing the sowing terms to the third decade of May. If atypical for the region hydrothermal conditions (drought or excessive moistening are forecasted du­ ring the vegetation period of millet, the highest productivity is provided by sowing in the second decade of May. Early sowing in the first decade of May causes decrease in yield at the level of 0.14 to 0.48 metric tons per hectare (Slobozhanske variety and 0.14 to 0.48 metric tons per hectare (Lana variety; if the sowing is postponed to the first decade of June, the yield increases by 0.31 to 0.77 and 0.39 to 0.84 metric tons per hectare, respectively. Early

  18. Seed ecology of Bromus sterilis L.

    Directory of Open Access Journals (Sweden)

    Žďárková, Veronika

    2014-02-01

    Full Text Available Bromus sterilis L. (barren brome has become a troublesome weed of winter cereals in reduced tillage systems, mainly in South and North America, middle and Western Europe. In the Czech Republic, its importance has increased dramatically over the past 10 years. Barren brome is reported as a problem weed in other winter crops such as oil seed rape, in vineyards and in other cultivated places. In this study, the dormancy and germination under different temperatures, water and light regimes were investigated. Emergence from different depths and persistence in the soil profile were investigated under field conditions. The seeds of Bromus sterilis showed broad ecological valence to hydrothermal factors germinating in the wide range of 5 to 35 °C. Similarly, no strong effect on the germination in an environment with low water potential was observed. The response to light at various temperatures showed that seeds germinated better in darkness. The emergence declined significantly with burial depth (under 40 mm. The loss of primary dormancy was rapid in time and only 50% of the seeds germinated within 8 weeks after collecting from maternal plants. The seeds were not able to survive in the soil seed bank for a longer time and fall seeds lost viability 1 year after burial in a soil profile.

  19. STRATEGI MEDIA RELATIONS PT BANK CIMB NIAGA.TBK KANTOR PUSAT JAKARTA PASCA MERGER

    Directory of Open Access Journals (Sweden)

    Jezzy Dela Puspita

    2015-05-01

    Full Text Available PR concerns the interests of any organization, whether the organization is commercial or non-commercial, nor therein which includes media relations activities. News about the merger contained in the mass media can sometimes be misunderstood by the public as a controversy that is not necessarily true, can it be positive or negative. The problem studied is how the media relations PR strategy undertaken by PT Bank CIMB Niaga Tbk post-merger. The method used is the qualitative method. Descriptive method aims to collect real-time detailed information describing the existing symptoms, as well as identifying problems and practices applicable. Data collection techniques with in-depth interviews on employees and journalists.Based on the research results, we concluded that the strategy of media relations undertaken by the company after the merger is to establish good relations with the way the relationship with journalists routinely and personal, reaching the level of reporter and editor in chief, in order to produce interpersonal relations firm, and establish good communication with mass media institutions by providing access to good information. PR menyangkut kepentingan setiap organisasi, baik itu organisasi yang bersifat komersial maupun yang non-komersial, begitupula didalamnya yang termasuk kegiatan media relations. Pemberitaan mengenai merger yang terdapat pada media massa terkadang dapat disalah artikan oleh publik sebagai suatu kontroversi yang belum tentu kebenarannya, bisa itu berupa hal positif atau negatif. Permasalahan yang dikaji adalah bagaimana strategi media relations PR yang dilakukan oleh PT Bank CIMB Niaga Tbk pasca merger.Metode yang digunakan yaitu dengan metode kualitatif. Metode Deskriptif bertujuan mengumpulkan informasi aktual secara rinci yang melukiskan gejala-gejala yang ada, serta mengidentifikasikan masalah dan praktek-praktek yang berlaku . Tekhnik pengumpulan data dengan wawancara mendalam pada karyawan dan wartawan

  20. The Role of Multichannel Marketing in Customer Retention and Loyalty: Study in Emerald Bank Customer in Indonesia

    Directory of Open Access Journals (Sweden)

    Ambarwati Ambarwati

    2015-09-01

    Full Text Available Attention on the relationship between customer retention, customer loyalty, and customer satisfaction that serves as "seed" of customer loyalty highlight the important factors for multichannel management. With the growing trends of people in investing their money in bank for securities need to be responded by the marketing department to create better marketing strategies. The purpose of this study is to examine and explain the effect of a multichannel bank on emerald customers retention   in one of the largest SOE bank in Indonesia, in the city of Surabaya, BNI (Bank Negara Indonesia toward customer  satisfaction, loyalty and customer  retention. This study develops the theory  of  mix marketing by using multichannel  as one of the elements that can increase customer retention   using satisfaction mediation and customer loyalty. Mechanical determination of sample units in this study is a  purposive sampling, of 89 respondents. Generalized Structured Component Analysis (GSCA was applied to test the hypotheses. The results of this study indicate that direct multichannel not  significantly effect the customer retention. Customer satisfaction can not be a perfect mediation  and the customer loyalty can be a perfect mediation in the relationship between multichannel and customer retention. This study contributes to the banking industry in applying the concept of the mix marketing.

  1. Asset growth strategy and bank performance in Nigeria | Toby ...

    African Journals Online (AJOL)

    This study examines the nature of the relationship between asset growth rate and growth in such output variables as total cost, total income and net profit In the Nigerian banking industry. Based on the data of 25 quoted Nigerian banks, three linear regression models were estimated complemented by descriptive data ...

  2. Plasticity of seed weight compensates reductions in seed number of oilseed rape in response to shading at flowering

    NARCIS (Netherlands)

    Labra Fernandez, Marcelo; Struik, Paul C.; Evers, Jochem B.; Calderini, Daniel F.

    2017-01-01

    Understanding the response of the number of seeds and seed weight to the availability of assimilates is crucial for designing breeding strategies aimed to increase seed and oil yield in oilseed rape. This study aims to answer the questions: i) do seed number and seed weight in oilseed rape differ

  3. Does retained-seed priming drive the evolution of serotiny in drylands? An assessment using the cactus Mammillaria hernandezii.

    Science.gov (United States)

    Santini, Bianca A; Martorell, Carlos

    2013-02-01

    Serotinous plants retain their seeds for a long time. In deserts, retained seeds undergo hydration-dehydration cycles and thus may become primed. Priming enhances germination and seedling vigor. We test the hypothesis that serotiny evolves because it provides a site protected from predators in which seeds can become primed. Rainfall-cued dispersal of primed seeds may enhance this effect. We tested this hypothesis with Mammillaria hernandezii through protein-content analyses; field and laboratory germination experiments with primed, unprimed, and retained seeds; and fitness estimations from demographic models. Hydration-dehydration cycles induced priming, enhancing germination. Artificial priming and retention in the parent plant for 1 yr induced similar changes in seed protein patterns, suggesting that priming occurs naturally while seeds are retained. Under field conditions, germination of seeds retained for 1 yr more than doubled that of seeds of the same cohort that were not primed or that remained buried for 1 yr. The first seeds to germinate died rapidly. Serotinous plants whose seeds underwent priming had higher fitness than those whose seeds were in the soil seed bank or that did not experience priming. Priming in soil seed banks may be costly because of high predation, so seed protection during priming is sufficient to promote the evolution of serotiny. Bet hedging contributes to this process. Rapid germination of primed seeds that respond to brief rainfall events is disadvantageous because such rainfall is insufficient for seedling survival. Serotinous species counteract this cost by cueing dispersal with heavy precipitation.

  4. Competitive seeds-selection in complex networks

    Science.gov (United States)

    Zhao, Jiuhua; Liu, Qipeng; Wang, Lin; Wang, Xiaofan

    2017-02-01

    This paper investigates a competitive diffusion model where two competitors simultaneously select a set of nodes (seeds) in the network to influence. We focus on the problem of how to select these seeds such that, when the diffusion process terminates, a competitor can obtain more supports than its opponent. Instead of studying this problem in the game-theoretic framework as in the existing work, in this paper we design several heuristic seed-selection strategies inspired by commonly used centrality measures-Betweenness Centrality (BC), Closeness Centrality (CC), Degree Centrality (DC), Eigenvector Centrality (EC), and K-shell Centrality (KS). We mainly compare three centrality-based strategies, which have better performances in competing with the random selection strategy, through simulations on both real and artificial networks. Even though network structure varies across different networks, we find certain common trend appearing in all of these networks. Roughly speaking, BC-based strategy and DC-based strategy are better than CC-based strategy. Moreover, if a competitor adopts CC-based strategy, then BC-based strategy is a better strategy than DC-based strategy for his opponent, and the superiority of BC-based strategy decreases as the heterogeneity of the network decreases.

  5. Seed Germination Ecology of the Cold Desert Annual Isatis violascens (Brassicaceae: Two Levels of Physiological Dormancy and Role of the Pericarp.

    Directory of Open Access Journals (Sweden)

    Yuan M Zhou

    Full Text Available The occurrence of various species of Brassicaceae with indehiscent fruits in the cold deserts of NW China suggests that there are adaptive advantages of this trait. We hypothesized that the pericarp of the single-seeded silicles of Isatis violascens restricts embryo expansion and thus prevents germination for 1 or more years. Thus, our aim was to investigate the role of the pericarp in seed dormancy and germination of this species. The effects of afterripening, treatment with gibberellic acid (GA3 and cold stratification on seed dormancy-break were tested using intact silicles and isolated seeds, and germination phenology was monitored in an experimental garden. The pericarp has a role in mechanically inhibiting germination of fresh seeds and promotes germination of nondormant seeds, but it does not facilitate formation of a persistent seed bank. Seeds in silicles in watered soil began to germinate earlier in autumn and germinated to higher percentages than isolated seeds. Sixty-two percent of seeds in the buried silicles germinated by the end of the first spring, and only 3% remained nongerminated and viable. Twenty to twenty-five percent of the seeds have nondeep physiological dormancy (PD and 75-80% intermediate PD. Seeds with nondeep PD afterripen in summer and germinate inside the silicles in autumn if the soil is moist. Afterripening during summer significantly decreased the amount of cold stratification required to break intermediate PD. The presence of both nondeep and intermediate PD in the seed cohort may be a bet-hedging strategy.

  6. Gibberellic and kaurenoic hybrid strigolactone mimics for seed germination of parasitic weeds.

    Science.gov (United States)

    Pereira, Rondinelle G; Cala, Antonio; Fernández-Aparicio, Mónica; Molinillo, José Mg; Boaventura, Maria Ad; Macías, Francisco A

    2017-12-01

    Parasitic weeds are widespread and cause significant losses in important crops. Their germination requires the detection of crop-derived molecules such as strigolactones. Strigolactone mimics are germination-inducing molecules with the potential to apply a suicidal germination strategy for seed bank control of parasitic weeds. The D-ring, which is instrumental in the germination process of seeds of parasitic weeds, was attached to gibberellin (GA 3 ) and kaurenoic acid as the scaffold. It was shown that indeed strigolactone mimics prepared from GA 3 and kaurenoic acid are active as stimulants when a D-ring is present; some of the mimics are as active as GR24. The starting molecules were plant hormones that had previous growth-regulating activity in other organisms and the products showed enhanced activity towards parasitic weeds. The information generated may contribute to a better understanding of the germination biochemistry of the weed species used. Further research is required in this area but it is clear that the results are promising. © 2017 Society of Chemical Industry. © 2017 Society of Chemical Industry.

  7. A continental view of pine-associated ectomycorrhizal fungal spore banks: a quiescent functional guild with a strong biogeographic pattern.

    Science.gov (United States)

    Glassman, Sydney I; Peay, Kabir G; Talbot, Jennifer M; Smith, Dylan P; Chung, Judy A; Taylor, John W; Vilgalys, Rytas; Bruns, Thomas D

    2015-03-01

    Ecologists have long acknowledged the importance of seed banks; yet, despite the fact that many plants rely on mycorrhizal fungi for survival and growth, the structure of ectomycorrhizal (ECM) fungal spore banks remains poorly understood. The primary goal of this study was to assess the geographic structure in pine-associated ECM fungal spore banks across the North American continent. Soils were collected from 19 plots in forests across North America. Fresh soils were pyrosequenced for fungal internal transcribed spacer (ITS) amplicons. Adjacent soil cores were dried and bioassayed with pine seedlings, and colonized roots were pyrosequenced to detect resistant propagules of ECM fungi. The results showed that ECM spore banks correlated strongly with biogeographic location, but not with the identity of congeneric plant hosts. Minimal community overlap was found between resident ECM fungi vs those in spore banks, and spore bank assemblages were relatively simple and dominated by Rhizopogon, Wilcoxina, Cenococcum, Thelephora, Tuber, Laccaria and Suillus. Similar to plant seed banks, ECM fungal spore banks are, in general, depauperate, and represent a small and rare subset of the mature forest soil fungal community. Yet, they may be extremely important in fungal colonization after large-scale disturbances such as clear cuts and forest fires. © 2015 The Authors. New Phytologist © 2015 New Phytologist Trust.

  8. The Internet and the Banks' Strategic Distribution Channel Decisions.

    Science.gov (United States)

    Mols, Niels Peter

    1998-01-01

    Discusses two strategic distribution channel decisions facing banks, one regarding whether to target the Internet banking segment of customers versus the branch banking segment, and the other regarding the geographical area banks aim to serve. Future distribution channels, the change process, and local, national, and international strategies are…

  9. Credit risk management in banks

    OpenAIRE

    Pětníková, Tereza

    2014-01-01

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

  10. Bank Organizational Structure Choice Dilemma. Case of PKO BP

    Directory of Open Access Journals (Sweden)

    Adam Szafarczyk

    2008-06-01

    Full Text Available Organizational structures are differing for different banks. They depend on individual bank economic situation, its technology, strategy and form of competition struggle. Usually the biggest EU banks are consists from formally or really independent divisions. The most common divisions are Retail Banking, Corporate Banking, Treasury and Investment, sometimes Insurance. PKO BP, the biggest Polish Bank, ought to change its structure due to implementation new IT system.

  11. Brand building process of banking services

    Directory of Open Access Journals (Sweden)

    Filipović V.

    2006-01-01

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

  12. Mobile Banking: a Customer Relationship Management (Crm) Channel

    OpenAIRE

    Budiardjo, Eko K; Aprillovi, Dewi

    2009-01-01

    Meningkatnya pengguna handphone mendorong bank meluncurkan produk-produk layanan perbankan melalui handphone yang dikenal dengan sebutan Mobile Banking (M-Banking). Dalam konteks Customer Relationship Management (CRM), kehadiran M-Banking juga memberikan kontribusi dalam meningkatkan dan mempertahankan kesetiaan pelanggan. Strategi sukses membangun CRM sangat dipengaruhi oleh kepandaian tim pemasaran dalam memahami perilaku dan kebutuhan pelanggan, yang dapat diterjemahkan kedalam kelompok tr...

  13. Composição florística e distribuição sazonal do banco de sementes em Floresta Ombrófila Mista Aluvial, Araucária, PR Floristic composition and distribution of soil seed bank in Subtropical Ombrophilous Alluvial Forest in Araucaria, Parana State, Brazil

    Directory of Open Access Journals (Sweden)

    Saulo Henrique Weber

    2012-06-01

    Full Text Available Nesta pesquisa avaliou-se o banco de sementes do solo em um remanescente da Floresta Ombrófila Mista Aluvial, em Araucária, PR, através da análise quali-quantitativa da germinação. Adicionalmente, foi verificado se houve variação sazonal do banco. Localizado no Primeiro Planalto Paranaense, o remanescente encontra-se sob influência do rio Barigüi, tributário do rio Iguaçu. O delineamento estatístico foi inteiramente casualizado, com dez repetições, formadas por amostras compostas. O banco de sementes foi coletado em três estações do ano, sendo retiradas amostras de 10 cm de profundidade com serrapilheira, com auxílio de um gabarito quadrado de 40 cm de lado. As amostras de cada estação foram dispostas em caixas de madeira em casa de vegetação, por oito meses. Foi observada a ocorrência média, nas três estações, de 5.732 sementes m-2, pertencentes a 276 espécies, distribuídas em 120 gêneros e 54 famílias, num total de 34.780 sementes germinadas. O tamanho do banco de sementes não variou significativamente entre as estações do ano. A composição florística do banco de sementes é influenciada pelas áreas antropizadas do entorno.doi: 10.4336/2012.pfb.32.70.77In this research it was evaluated the potential of the soil seed bank in a remaining of Subtropical Ombrophilous Alluvial Forest (Araucaria Forest, by quali-quantitative analysis of seed germination. Additionally it was tested the occurrence of seasonal variation of the soil seed bank. The forest remaining located in Araucaria county, Parana State, Brazil, and it is influenced by Barigui river, affluent of Iguaçu river. It was used the completely randomized experimental design with ten replications. The soil seed bank was collected in three seasons at depth (of 10 cm plus litter, using a 0.40 m x 0.40 m sample square. The collected samples were placed in wood boxes in greenhouse, during 8 months. It was observed a season average of 5,732 individuals m-2

  14. A new strategy for umbilical cord blood collection developed at the first Colombian public cord blood bank increases total nucleated cell content.

    Science.gov (United States)

    Vanegas, Diana; Triviño, Lady; Galindo, Cristian; Franco, Leidy; Salguero, Gustavo; Camacho, Bernardo; Perdomo-Arciniegas, Ana-María

    2017-09-01

    The total nucleated cell dosage of umbilical cord blood (UCB) is an important factor in determining successful allogeneic hematopoietic stem cell transplantation after a minimum human leukocyte antigen donor-recipient match. The northern South American population is in need of a new-generation cord blood bank that cryopreserves only units with high total nucleated cell content, thereby increasing the likelihood of use. Colombia set up a public cord blood bank in 2014; and, as a result of its research for improving high total nucleated cell content, a new strategy for UCB collection was developed. Data from 2933 collected and 759 cryopreserved cord blood units between 2014 and 2015 were analyzed. The correlation of donor and collection variables with cellularity was evaluated. Moreover, blood volume, cell content, CD34+ count, clonogenic capacity, and microbial contamination were assessed comparing the new method, which combines in utero and ex utero techniques, with the conventional strategies. Multivariate analysis confirmed a correlation between neonatal birth weight and cell content. The new collection method increased total nucleated cell content in approximately 26% and did not alter pre-cryopreservation and post-thaw cell recovery, viability, or clonogenic ability. Furthermore, it showed a remarkably low microbial contamination rate (1.2%). The strategy for UCB collection developed at the first Colombian public cord blood bank increases total nucleated cell content and does not affect unit quality. The existence of this bank is a remarkable breakthrough for Latin-American patients in need of this kind of transplantation. © 2017 The Authors Transfusion published by Wiley Periodicals, Inc. on behalf of AABB.

  15. CENTRAL BANK INDEPENDENCE AND INFLATION TARGETING - THE BRITISH EXPERIENCE

    Directory of Open Access Journals (Sweden)

    David Delia

    2010-07-01

    Full Text Available Known as the ‘Old Lady’ of Threadneedle Street, the Bank of England is the central bank of the United Kingdom. Founded in 1694, the Bank of England is standing at the centre of the United Kingdom’s financial system, and is committed to promoting and maintaining monetary and financial stability as its contribution to a healthy economy. In our opinion, it is very important to analyze the Bank of England’s monetary policy strategy, starting from 1992 – adoption of the inflation target and the evolution of it’s monetary policy strategy, through an important feature – delegating operational accountability regarding the monetary policy in 1997 as well as the appropriate institutional framework. More over, it is important to analyze the Bank of England’s performances before and after granting central bank independence.

  16. Good year, bad year: changing strategies, changing networks? A two-year study on seed acquisition in northern Cameroon

    Directory of Open Access Journals (Sweden)

    Chloé Violon

    2016-06-01

    Full Text Available Analysis of seed exchange networks at a single point in time may reify sporadic relations into apparently fixed and long-lasting ones. In northern Cameroon, where environment is not only strongly seasonal but also shows unpredictable interannual variation, farmers' social networks are flexible from year to year. When adjusting their strategies, Tupuri farmers do not systematically solicit the same partners to acquire the desired propagules. Seed acquisitions documented during a single cropping season may thus not accurately reflect the underlying larger social network that can be mobilized at the local level. To test this hypothesis, we documented, at the outset of two cropping seasons (2010 and 2011, the relationships through which seeds were acquired by the members of 16 households in a Tupuri community. In 2011, farmers faced sudden failure of the rains and had to solicit distant relatives, highlighting their ability to quickly trigger specific social relations to acquire necessary seeding material. Observing the same set of individuals during two successive years and the seed sources they solicited in each year enabled us to discriminate repeated relations from sporadic ones. Although farmers did not acquire seeds from the same individuals from one year to the next, they relied on quite similar relational categories of people. However, the worse weather conditions during the second year led to (1 a shift from red sorghum seeds to pearl millet seeds, (2 a geographical extension of the network, and (3 an increased participation of women in seed acquisitions. In critical situations, women mobilized their own kin almost exclusively. We suggest that studying the seed acquisition network over a single year provides a misrepresentation of the underlying social network. Depending on the difficulties farmers face, they may occasionally call on relationships that transcend the local relationships used each year.

  17. Increasing seed size and quality by manipulating BIG SEEDS1 in legume species.

    Science.gov (United States)

    Ge, Liangfa; Yu, Jianbin; Wang, Hongliang; Luth, Diane; Bai, Guihua; Wang, Kan; Chen, Rujin

    2016-11-01

    Plant organs, such as seeds, are primary sources of food for both humans and animals. Seed size is one of the major agronomic traits that have been selected in crop plants during their domestication. Legume seeds are a major source of dietary proteins and oils. Here, we report a conserved role for the BIG SEEDS1 (BS1) gene in the control of seed size and weight in the model legume Medicago truncatula and the grain legume soybean (Glycine max). BS1 encodes a plant-specific transcription regulator and plays a key role in the control of the size of plant organs, including seeds, seed pods, and leaves, through a regulatory module that targets primary cell proliferation. Importantly, down-regulation of BS1 orthologs in soybean by an artificial microRNA significantly increased soybean seed size, weight, and amino acid content. Our results provide a strategy for the increase in yield and seed quality in legumes.

  18. Strategies Adopted by Romanian Banks to Reduce the Payment Incidents

    Directory of Open Access Journals (Sweden)

    Oana BĂRBULESCU SEITAN

    2013-03-01

    Full Text Available In the past few years, the lack of the market liquidity generated some difficulties in the process of recovering the claims from the partners. This has determined the banks to find solutions with which to protect their clients against the financial imbalances of their partners, imbalances that otherwise would directly affect their own business. However, the permanent changes of the banking regulations led to a continuous diversification of the relations between the bank and its customers. In this context, during January-February 2013, it was drawn up a qualitative marketing research, its main objective consisting in identifying and analyzing the main measures taken by banks to reduce the number and the value of payment incidents generated by the use of debt instruments. The study also considered the outline of potential measures that can be taken for adapting the regulations in the field to the needs of the Romanian business environment.

  19. Burial of Zostera marina seeds in sediment inhabited by three polychaetes: laboratory and field studies

    DEFF Research Database (Denmark)

    Delefosse, Matthieu; Kristensen, Erik

    2012-01-01

    The large number of seeds produced by eelgrass, Zostera marina, provides this plant with a potential to disperse widely and colonise newareas. After dispersal, seedsmust be buried into sediment for assuring long-term survival, successful germination and safe seedling development. Seedsmay be buried...... eelgrass seed bank at the ecosystemscale. Some species have a positive effect by burying seeds to shallow depths and thereby reducing seed predation and facilitating seed germination, while other species bury seeds too deep for successful seed germination and seedling development....... passively by sedimentation or actively through sediment reworking by benthic fauna.We evaluated the effect of three polychaetes on the burial rate and depth of eelgrass seeds. Burial was first measured in controlled laboratory experiments using different densities of Nereis (Hediste) diversicolor (400...

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

    Directory of Open Access Journals (Sweden)

    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.

  1. Australian contingency plans for emergency animal disease control: the role of antigen/vaccine banks.

    Science.gov (United States)

    Tweddle, N E

    2004-01-01

    Vaccination is an important element of contingency plans for many animal diseases. The decision whether or not to use vaccine is complex, and must consider epidemiological, economic and social issues. Vaccines are rarely available in a country for emergency animal diseases unless a low pathogenicity strain of the agent is present or it is localised in carrier hosts. High quality commercial vaccine from overseas is often the preferred source of vaccine in an emergency, although less reliable sources may be used with additional safeguards. Alternatively, master seeds may be imported or developed for production within the country For contingency planning, diseases may be ranked according to the expected role of vaccine in the disease eradication strategy, with diseases for which vaccine is part of the initial response strategy receiving highest priority for action. A range of preparedness options is available, ranging from identifying producers of vaccine, obtaining permits for import and use from regulatory authorities, to establishing vaccine or antigen banks. Countries need to consider their individual situations and develop strategies to address the diseases of significance to them.

  2. Liquidity of Czech and Slovak commercial banks

    OpenAIRE

    Pavla Vodová

    2012-01-01

    As liquidity problems of some banks during global financial crisis re-emphasized, liquidity is very important for functioning of financial markets and the banking sector. The aim of this paper is therefore to evaluate comprehensively the liquidity positions of Czech and Slovak commercial banks via different liquidity ratios in the period of 2001–2010 and to find out whether the strategy for liquidity management differs by the size of the bank. We used unconsolidated balance sheet data over th...

  3. The Effect of Intellectual Capital on A Company's Performance Moderated by ITS Governance and IT Strategy Integration Employed By Bank Listed in Indonesian Stock Exchange

    Directory of Open Access Journals (Sweden)

    Dodi Wirawan Irawanto

    2017-10-01

    Full Text Available This study investigates whether IT integration and company governance can affect the relationship between intellectual capital and company performance in the Indonesian banking sector. That could happen, as there are ever tighter and more numerous competitiveness levels in the banking sector, especially in the field of information technology (IT and the support given by the top management. This study employs data from 33 banking companies listed on the ISE (Indonesian Stock Exchange in 2013–2014. The testing was done on the elements of VAICTM (VACA, VAHU, STVA, moderated by IT strategy integration (ITSI and corporate governance (DK using the measurement of financial performance (ROA. The findings obtained show that VAHU has a positive effect on financial performance. If the VAICTM element were moderated by ITSI, then a well-integrated IT strategy would weaken the relationship between VACA and banking performance. The limitations of this study lie in the period of the data used, which is limited to 2013–2014, and in that the component used for testing was done in isolation. 

  4. Selected Banks Economic Efficiency Indicators

    Directory of Open Access Journals (Sweden)

    Adam Szafarczyk

    2007-04-01

    Full Text Available There are a lot of economic efficiency indicators in theory. It is necessary to choice some of them for concrete purposes. ROA, ROE and C/I play important role due to last experience of polish banks.Cost to Income Ratio plays very important role affecting not only efficiency monitoring process in the banks but also becoming a very important target in strategy or finance plan. There are several methodological approaches to construct this index in detail. Results are differing due to implementing methodology. This article describes trends C/I concerning both polish and foreign banks. It is difficult to compare banks in emerging country and real giants in finance mature economies.

  5. Skin bank development and critical incident response.

    Science.gov (United States)

    Hamilton, Kellie T; Herson, Marisa R

    2011-05-01

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

  6. Plant gene bank and vegetable varieties biodiversity in Smederevska Palanka

    Directory of Open Access Journals (Sweden)

    Pavlović Nenad

    2011-01-01

    Full Text Available Biodiversity protection and preservation of genetic variability is based on the fact that plant varieties are irreplaceable in production process and that they are more and more jeopardized by urban and industrial development. The most common way of preserving and at the same time the safest way is a storage in a gene bank. Prior to storage comes collecting, studying and replanting for Institute Gene Bank, Central State Gene Bank and for Regional Gene Banks. Institute for Vegetable Crops in Smederevska Palanka preserves a wide variety of vegetable germplasm. This is, so called, work collection, used as a gene resource for breeding purposes. Seed samples are stored at 4±2°C and 50% relative humidity. At the moment, the collection has 2265 samples. Almost all samples have the passport data, but only 10% of samples have been further characterized and evaluated.

  7. Non-native earthworms promote plant invasion by ingesting seeds and modifying soil properties

    Science.gov (United States)

    Clause, Julia; Forey, Estelle; Lortie, Christopher J.; Lambert, Adam M.; Barot, Sébastien

    2015-04-01

    Earthworms can have strong direct effects on plant communities through consumption and digestion of seeds, however it is unclear how earthworms may influence the relative abundance and composition of plant communities invaded by non-native species. In this study, earthworms, seed banks, and the standing vegetation were sampled in a grassland of central California. Our objectives were i) to examine whether the abundances of non-native, invasive earthworm species and non-native grassland plant species are correlated, and ii) to test whether seed ingestion by these worms alters the soil seed bank by evaluating the composition of seeds in casts relative to uningested soil. Sampling locations were selected based on historical land-use practices, including presence or absence of tilling, and revegetation by seed using Phalaris aquatica. Only non-native earthworm species were found, dominated by the invasive European species Aporrectodea trapezoides. Earthworm abundance was significantly higher in the grassland blocks dominated by non-native plant species, and these sites had higher carbon and moisture contents. Earthworm abundance was also positively related to increased emergence of non-native seedlings, but had no effect on that of native seedlings. Plant species richness and total seedling emergence were higher in casts than in uningested soils. This study suggests that there is a potential effect of non-native earthworms in promoting non-native and likely invasive plant species within grasslands, due to seed-plant-earthworm interactions via soil modification or to seed ingestion by earthworms and subsequent cast effects on grassland dynamics. This study supports a growing body of literature for earthworms as ecosystem engineers but highlights the relative importance of considering non-native-native interactions with the associated plant community.

  8. Behavior Analysis of Bank into E-Commerce under Network Externalities

    Institute of Scientific and Technical Information of China (English)

    CUI Jisheng; ZHUANG Lei

    2017-01-01

    With the advent of Internet financial innovation,many commercial banks quietly have started to enter into the E-commercial in order to prevent oligarchs from eroding financial market.From the perspective of industrial division,this paper reveals the nature of a phenomenon that E-commercial enterprises and banks have stepped into each other's field,which E-commerce of banks can give full play to network effects.Then it uues game theory to analyze the motions of banks to involve into E-commerce and the short-term competitive equilibrium of large incumbent E-commercial enterprises as well.For individual rationality,the dominant strategy of banks and E-commercial enterprises is (enter,counterattack).Considering network externalities,it constructs a competing model on banks and incumbent E-commercial enterprises and simulates competitive trends and balanced results of their behaviors,which illustrates that banks can obtain network effect after choosing E-commerce strategy.

  9. The quest for growth : The impact of bank strategy on interest margins

    NARCIS (Netherlands)

    Arnold, I.J.M.; Ewijk, van S.E.

    2012-01-01

    This paper proposes an alternative explanation for the decline in bank interest margins in many developed countries, which, in our view, better fits the empirical and narrative evidence on bank behavior in the run-up to the credit crisis. A common thread in the literature on bank interest margins is

  10. Analysis and Assessment of Financial Indicators of Banks in the Context of Ensuring Functioning of the Banking System

    Directory of Open Access Journals (Sweden)

    Samorodov Borys V.

    2013-12-01

    Full Text Available The article studies methods of analysis and assessment of financial indicators of activity of banks, which characterise their solvency, keeping which at a relevant level for each bank ensures functioning of the banking system in general. It offers a number of financial indicators, which should be assessed when determining the credit rating of competitor banks. It demonstrates an approach to identification of the degree of influence of indicators upon the solvency level. It reveals a necessity of comparing when conducting analysis of values of financial indicators of bank activity, which are rated, with relevant values by the group of banks and the whole banking system. In the result of application of the proposed methods it seems possible to assess positive and negative sides of activity of a specific bank compared to its competitors. Moreover, rather high values of analysed financial indicators, compared to other studied banks, could be used as weighty information when conducting PR campaigns carried out by the bank. The bank management should pay attention to low values of financial indicators, which are determined through comparison with competitor banks, and build up a relevant strategy of measures on improvement of the bank activity.

  11. How Research on Charitable Giving Can Inform Strategies to Promote Human Milk Donations to Milk Banks.

    Science.gov (United States)

    Stevens, Jack; Keim, Sarah A

    2015-08-01

    Many hospitalized preterm infants do not exclusively receive mother's own milk, so milk from another mother may be sought. Previous research indicated that just 1% of US women who express breast milk actually donate it for another family. Therefore, strategies to boost donation rates should be identified. We draw upon the experimental literature on charitable giving of monetary donations to offer 6 strategies to promote breast milk donations to milk banks in North America. These strategies include (1) highlighting a potential identifiable recipient of donated breast milk as opposed to highlighting groups of potential recipients; (2) emphasizing similarities between the potential donor and potential beneficiaries; (3) emphasizing similarities between the potential donor and previous donors; (4) using negative arousal to promote donations; (5) emphasizing the self-interest of those asking for breast milk donations; and (6) highlighting the specific effect of breast milk donations. Potential limitations of these strategies are discussed. © The Author(s) 2015.

  12. Central banks: Paradise lost

    OpenAIRE

    Issing, Otmar

    2012-01-01

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

  13. Seed dormancy and germination : light and nitrate

    NARCIS (Netherlands)

    Hilhorst, H.W.M.

    1990-01-01

    One of the most important aspects of the life cycle of seed plants is the formation and development of seeds on the motherplant and the subsequent dispersal. An equally important element of the survival strategy is the ability of seeds to prevent germination in unfavorable

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

    National Research Council Canada - National Science Library

    2007-01-01

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

  15. Does adaptive strategy for delayed seed dispersion affect extinction probability of a desert species? an assessment using the population viability analysis and glass house experiment

    Directory of Open Access Journals (Sweden)

    Manish Mathur

    2014-10-01

    Full Text Available Canopy seed bank is an important adaptive evolutionary trait that provides various types of protection to the seeds. However, costing of such evolutionary trait on plant survival is largely unknown. Present investigation provided a new insight on the serotonious habit of Blepharis sindica associated with its endangerment status. Extinction probabilities of two available population of B. sindica were quantified using two types of census data, i.e., fruiting body number and actual population size. Population Viability Analysis (PVA revealed that delayed seed release tendency (higher fruiting body number was not synchronized with actual ground conditions (lower population size. PVA analysis based on actual population size indicated that both the available populations would vanish within 20 years. The mean time of extinction calculated from both type census data indicated its extinction within 48 years. For assessing the conservation criteria, a glass house experiment was carried out with different soil types and compositions. Pure sand and higher proportions of sand -silt were more suitable compared to clay; further, gravelly surface was the most unsuitable habitat for this species. Collection of the seeds from mature fruits/capsule and their sowing with moderate moisture availability with sandy soil could be recommended.

  16. Impacts of habitat alterations and predispersal seed predation on the reproductive success of Great Basin forbs

    Science.gov (United States)

    Robert L. Johnson

    2008-01-01

    Sexual reproductive success in wild plant populations is dependent upon the ability to bank seed for when environmental conditions favor seedling recruitment. Seed production in many plant populations requires the pollination services of local bee populations. A loss in bee diversity as a result of exotic plant invasion or revegetation practices which do not adequately...

  17. ADOPTION OF E-BANKING IN ROMANIA: AN EXPLORATORY STUDY

    Directory of Open Access Journals (Sweden)

    Rosu Anca Maria

    2011-12-01

    Full Text Available E-banking, or banking via the Internet, is revolutionising the business, having multiple benefits both for the financial institutions and for clients. E-bankers offer better customer service, creating opportunities for customers and providing added value. They treat customers as individuals, making masss customisation possible and creating customer loyalty. E-banking is an opportunity for banks to leverage their strenghts and create a totally new banking experience. The present paper investigates and analyses the adoption and evolution of electronic banking in Romania, and the appropriate strategies for development of online banking services in the Romanian context.

  18. Seed-specific overexpression of AtFAX1 increases seed oil content in Arabidopsis.

    Science.gov (United States)

    Tian, Yinshuai; Lv, Xueyan; Xie, Guilan; Zhang, Jing; Xu, Ying; Chen, Fang

    2018-06-02

    Biosynthesis of plant seed oil is accomplished through the coordinate action of multiple enzymes in multiple subcellular compartments. Fatty acid (FA) has to be transported from plastid to endoplasmic reticulum (ER) for TAG synthesis. However, the role of plastid FA transportation during seed oil accumulation has not been evaluated. AtFAX1 (Arabidopsis fatty acid export1) mediated the FA export from plastid. In this study, we overexpressed AtFAX1 under the control of a seed specific promoter in Arabidopsis. The resultant overexpression lines (OEs) produced seeds which contained 21-33% more oil and 24-30% more protein per seed than those of the wild type (WT). The increased oil content was probably because of the enhanced FA and TAG synthetic activity. The seed size and weight were both increased accordingly. In addition, the seed number per silique and silique number per plant had no changes in transgenic plants. Taken together, our results demonstrated that seed specific overexpression of AtFAX1 could promote oil accumulation in Arabidopsis seeds and manipulating FA transportation is a feasible strategy for increasing the seed oil content. Copyright © 2018 Elsevier Inc. All rights reserved.

  19. Broomrape weeds. Underground mechanisms of parasitism and associated strategies for their control: a review.

    Directory of Open Access Journals (Sweden)

    Monica eFernandez-Aparicio

    2016-02-01

    Full Text Available Broomrapes are plant-parasitic weeds which constitute one of the most difficult-to-control of all biotic constraints that affect crops in Mediterranean, central and eastern Europe, and Asia. Due to their physical and metabolic overlap with the crop, their underground parasitism, their achlorophyllous nature, and hardly destructible seed bank, broomrape weeds are usually not controlled by management strategies designed for non-parasitic weeds. Instead, broomrape are in a current state of intensification and spread due to lack of broomrape-specific control programs, unconscious introduction to new areas and may be decline of herbicide use and global warming to a lesser degree. We reviewed relevant facts about the biology and physiology of broomrape weeds and the major feasible control strategies. The points of vulnerability of some underground events, key for their parasitism such as crop-induced germination or haustorial development are reviewed as inhibition targets of the broomrape-crop association. Among the reviewed strategies are those aimed 1 to reduce broomrape seed bank viability, such as fumigation, herbigation, solarization and use of broomrape-specific pathogens; 2 diversion strategies to reduce the broomrape ability to timely detect the host such as those based on promotion of suicidal germination, on introduction of allelochemical interference, or on down-regulating host exudation of germination-inducing factors; 3 strategies to inhibit the capacity of the broomrape seedling to penetrate the crop and connect with the vascular system, such as biotic or abiotic inhibition of broomrape radicle growth, crop resistance to broomrape penetration either natural, genetically engineered or elicited by biotic- or abiotic-resistance-inducing agents and 4 strategies acting once broomrape seedling has bridged its vascular system with that of the host, aimed to impede or to endure the parasitic sink such as those based on the delivery of herbicides

  20. Broomrape Weeds. Underground Mechanisms of Parasitism and Associated Strategies for their Control: A Review

    Science.gov (United States)

    Fernández-Aparicio, Mónica; Reboud, Xavier; Gibot-Leclerc, Stephanie

    2016-01-01

    Broomrapes are plant-parasitic weeds which constitute one of the most difficult-to-control of all biotic constraints that affect crops in Mediterranean, central and eastern Europe, and Asia. Due to their physical and metabolic overlap with the crop, their underground parasitism, their achlorophyllous nature, and hardly destructible seed bank, broomrape weeds are usually not controlled by management strategies designed for non-parasitic weeds. Instead, broomrapes are in current state of intensification and spread due to lack of broomrape-specific control programs, unconscious introduction to new areas and may be decline of herbicide use and global warming to a lesser degree. We reviewed relevant facts about the biology and physiology of broomrape weeds and the major feasible control strategies. The points of vulnerability of some underground events, key for their parasitism such as crop-induced germination or haustorial development are reviewed as inhibition targets of the broomrape-crop association. Among the reviewed strategies are those aimed (1) to reduce broomrape seed bank viability, such as fumigation, herbigation, solarization and use of broomrape-specific pathogens; (2) diversion strategies to reduce the broomrape ability to timely detect the host such as those based on promotion of suicidal germination, on introduction of allelochemical interference, or on down-regulating host exudation of germination-inducing factors; (3) strategies to inhibit the capacity of the broomrape seedling to penetrate the crop and connect with the vascular system, such as biotic or abiotic inhibition of broomrape radicle growth and crop resistance to broomrape penetration either natural, genetically engineered or elicited by biotic- or abiotic-resistance-inducing agents; and (4) strategies acting once broomrape seedling has bridged its vascular system with that of the host, aimed to impede or to endure the parasitic sink such as those based on the delivery of herbicides via

  1. Interspecific variation in persistence of buried weed seeds follows trade-offs among physiological, chemical, and physical seed defenses.

    Science.gov (United States)

    Davis, Adam S; Fu, Xianhui; Schutte, Brian J; Berhow, Mark A; Dalling, James W

    2016-10-01

    Soil seedbanks drive infestations of annual weeds, yet weed management focuses largely on seedling mortality. As weed seedbanks increasingly become reservoirs of herbicide resistance, species-specific seedbank management approaches will be essential to weed control. However, the development of seedbank management strategies can only develop from an understanding of how seed traits affect persistence.We quantified interspecific trade-offs among physiological, chemical, and physical traits of weed seeds and their persistence in the soil seedbank in a common garden study. Seeds of 11 annual weed species were buried in Savoy, IL, from 2007 through 2012. Seedling recruitment was measured weekly and seed viability measured annually. Seed physiological (dormancy), chemical (phenolic compound diversity and concentration; invertebrate toxicity), and physical traits (seed coat mass, thickness, and rupture resistance) were measured.Seed half-life in the soil ( t 0.5 ) showed strong interspecific variation ( F 10,30  = 15, p  central role of seed dormancy in controlling seed persistence.A quantitative comparison between our results and other published work indicated that weed seed dormancy and seedbank persistence are linked across diverse environments and agroecosystems. Moreover, among seedbank-forming early successional plant species, relative investment in chemical and physical seed defense varies with seedbank persistence. Synthesis and applications . Strong covariance among weed seed traits and persistence in the soil seedbank indicates potential for seedbank management practices tailored to specific weed species. In particular, species with high t 0.5 values tend to invest less in chemical defenses. This makes them highly vulnerable to physical harvest weed seed control strategies, with small amounts of damage resulting in their full decay.

  2. Wheeling and Banking Strategies for Optimal Renewable Energy Deployment. International Experiences

    Energy Technology Data Exchange (ETDEWEB)

    Heeter, Jenny [National Renewable Energy Lab. (NREL), Golden, CO (United States); Vora, Ravi [National Renewable Energy Lab. (NREL), Golden, CO (United States); Mathur, Shivani [National Renewable Energy Lab. (NREL), Golden, CO (United States); Madrigal, Paola [Energy Regulatory Commission (Mexico); Chatterjee, Sushanta K. [Central Electricity Regulatory Commission (India); Shah, Rakesh [SunEdison, Mumbai (India)

    2016-03-01

    This paper defines the principles of wheeling (i.e., transmission) tariffs and renewable energy (RE) banking provisions and their role in RE deployment in countries with plans for large-scale RE. It reviews experiences to date in the United States, Mexico, and India and discusses key policy and regulatory considerations for devising more effective wheeling and/or banking provisions for countries with ambitious RE deployment targets. The paper addresses the challenges of competing needs of stakeholders, especially those of RE generators, distribution utilities, and transmission network owners and operators. The importance of wheeling and banking and their effectiveness for financial viability of RE deployment is also explored. This paper aims to benefit policymakers and regulators as well as key renewable energy stakeholders. Key lessons for regulators include: creating long-term wheeling and banking policy certainty, considering incentivizing RE through discounted transmission access, and assessing the cost implications of such discounts, as well as expanding access to renewable energy customers.

  3. Non-native earthworms promote plant invasion by ingesting seeds and modifying soil properties

    OpenAIRE

    Clause, J.; Forey, E.; Lortie, C. J.; Lambert, A. M.; Barot, Sébastien

    2015-01-01

    Earthworms can have strong direct effects on plant communities through consumption and digestion of seeds, however it is unclear how earthworms may influence the relative abundance and composition of plant communities invaded by non-native species. In this study, earthworms, seed banks, and the standing vegetation were sampled in a grassland of central California. Our objectives were i) to examine whether the abundances of non-native, invasive earthworm species and non-native grassland plant ...

  4. CUSTOMER RELATIONSHIP MANAGEMENT: CONCEPT AND IMPORTANCE FOR BANKING SECTOR

    Directory of Open Access Journals (Sweden)

    Marko Laketa

    2015-12-01

    Full Text Available Customer Relationship Management concept is tendency of banking sector to establish and maintain long-term relationships with customers in order to provide value for customers and banks. This concept allows bank to identify, segment, communicate and build long-term relationships with customers on individual basis. In today's business environment, banks have aim to identify customers and to adjust offer to meet customer`s needs, in order to maximize profits. Using modern technologies, Customer Relationship Management is becoming a method to maintain existing structure and development of high quality customer base. It involves development of marketing strategy through a better understanding of the entire customer base, understanding needs and attitudes of customers, as well as more efficient consideration of profitability and added value that each customer have for the bank. The aim of research, presented in this paper, is to assess to benefits of introducing Customer Relationship Management concept in banking sector, by defining strategies, adjustment of organizational structure, culture and internal processes with help of modern technology. The paper presents methods of measuring success of Customer Relationship Management concept and problems which banks have when implementing a new business philosophy.

  5. Comparing Between Commercial and Investment Banking: A Case Study from Iraq

    Directory of Open Access Journals (Sweden)

    Dr. Majeed Mohsen

    2016-11-01

    Full Text Available The research aim is to evaluating investment and commercial banking to led the investor who want to be shareholder in equity to the suitable banking in Iraqi environment, which banking is suitable for risk averse and which is suitable for risk seeker, by comparing between depending on market attractiveness and business strength by comparing between Iraqi’s investment and commercial banking for the period (2010-2014, it is evaluate market attractiveness by using banking return, banking risk, banking size, and banking stability and business strength by using market share (competition, and banking development. The data were from financial report used for statistical testing of difference between two means for comparing instead of comparing between variables directly by using t-test between means. The result explained there wasn’t difference between the two banking marketing, but commercial banking was more total risk than investment banking and systematic risk was the most in both banking. Research conclusion the risky environment, is resulting the conservative depositors decreasing the project, and weak effect of globalization on banking, that is resulting nearly same strategies to avoid internal risk by trying to create safely internal environment depending on strategy of less risk through minimizing unsystematic risks which reduce the ability on diversification which led to weak globalization’s effect.

  6. Private Banking Survey 2013: Success Through Innovation : Achieving Sustainability and Client-Centricity in Swiss Private Banking

    OpenAIRE

    Laamanen, Tomi; Schimmer, Markus; Reuter, Emmanuelle

    2013-01-01

    This year's private banking study by KPMG and the University of St. Gallen (HSG) shows that Swiss private banks can remain successful in the future by innovating. Besides effective implementation of new regulatory requirements, key success factors will include innovative strategies and adaptations to business models, starting with more effective segmentation techniques, an open product architecture, transparent price structures and modern distribution and communication channels. Hardly an...

  7. ANALISIS PENYALURAN KREDIT PADA PT. BANK RIAU KEPRI CABANG PEMBANTU SOREK KABUPATEN PELALAWAN

    Directory of Open Access Journals (Sweden)

    Tasril Tasril

    2016-10-01

    Full Text Available Abstrak: Sehubungan dengan semakin tingginya persaingan antar bank di Indonesia khususnya di Kabupaten Pelalawan maka setiap bank harus mempunyai strategi-strategi yang ampuh dalam melayani kemudahan-kemudahan perbankan yang diperlukan oleh masyarakat.Adapun tujuan dari penelitian adalah (1 untuk mengetahui dan menganalisis Faktor-Faktor apa yang Menyebabkan tidak tercapainya Target Penyaluran Kredit Modal Kerja pada PT. Bank Riau Kepri Cabang Pembantu Sorek (2 untuk memgetahui seberapa besar faktor-faktor tersebut mempengaaruhinya.Populasi dalam penelitian ini adalah seluruh nasabah yang mengajukan Kredit Modal Kerja pada PT. Bank Riau Kepri Cabang Pembantu Sorek selama 5 tahun mulai dari tahun 2007 sampai 2011, sedangkan jumlah sample dalam penelian ini diambil dar jumlah populasi dan penetapan jumlah sample berdasarkan rumus slovin yaitu 69,42 dibulatkan menjadi 70 orang nasabah, dimana penarikan sample penulis menggunakan acak sederhana yang mana menurut penulis telah dapat mewakili dari jumlah populasi.Analisis data yang penulis lakukan dalam penelitian ini adalah dengan cara mengumpulkan, mengelompokkan dalam bentuk tabel, sehingga mudah dalam menganalisisnya.            Strategi pasar yang dimiliki oleh Bank Riau adalah di dalam menumbuh kembangkan usaha dimasa sekarang dan yang akan datang adalah merupakan realisasi dan perencanaan strategi yang telah disusun bersifat kontinin dengan beoreantasi pada perkembangan pasar dan kebutuhan nasabah Bank Riau.            Namun tidak mudah untuk merealisaikan semua dari hasil perencanaan strategis tersebut, buktinya PT. Bank Riau Kepri cabang pembantu Sorek sampai saat ini tingkat penyaluran kredit yang diberikan belum memuaskan portofolio yang optimal, artinya harus banyak realita-realita kredit Bank Riau cabang pembantu Sorek Kabupaten Pelalawan belum selruhnya dapat dinikmati oleh masyarakat. Hal inilah yang menjadi daya tarik penulis untuk melakukan penelitian

  8. Comparison between state & private bank sectors using the COBIT4.1 framework

    Directory of Open Access Journals (Sweden)

    mahdi Ghazanfari

    2011-03-01

    Full Text Available In current dynamic and often turbulent work environment, information technology becomes an effective competitive advantage that organizations largely rely on it. Due to this affiliation, the importance of integrity and accommodation between the information technology strategies and business strategies in organizations has been increased. This alliance is the initial aim of the governance of information technology. The purpose of this study is evaluating and comparing the maturity of information technology governance of organization that are active in financial services sector (state and private banks. In order to measure and compare the maturity of IT governance of Iranian banks in adaption of business strategies, IT governance and COBIT4.1 framework has been used. In this study, data have been collected from 17 large state and private banks. The results suggest that private banks, due to structure type and maturity of IT governance and organizational strategies, have higher degree of maturity (1.98 in applying the technology and compliance with IT compare to state banks (1.60

  9. Back to Basics in Banking? A Micro-Analysis of Banking System Stability

    NARCIS (Netherlands)

    De Jonghe, O.G.

    2009-01-01

    This paper analyzes the relationship between banks’ divergent strategies toward specialization and diversification of financial activities and their ability to withstand a banking sector crash. We first generate market-based measures of banks’ systemic risk exposures using extreme value analysis.

  10. 5The effect of funding strategy on the lending patterns of banks in ...

    African Journals Online (AJOL)

    2009). Studies show that some banks finance their assets with internal capital ... about opaque borrowers, and extending credit based on this information. .... controls. The Bank of Ghana administratively implemented interest and exchange ... A sound and efficient banking system is a sine qua non for maintaining financial.

  11. Investigating the effect of different conflict management strategies on brand promise: A case study of banking industry

    Directory of Open Access Journals (Sweden)

    Hosseinali Aziziha

    2014-01-01

    Full Text Available The purpose of this paper is to study the effect of different conflict management strategies including competition, cooperation, prevention and compromise on brand promise. The proposed study uses the questionnaire developed by Putnam and Wilson (1982 [Putnam, L. L., & Wilson, C. E. (1982. Communicative strategies in organizational conflicts: Reliability and validity of a measurement scale. Communication yearbook, 6, 629-652.] to measure conflict management measures and to measure the components of brand promise, the study develops a questionnaire. The proposed study is executed among some employees of bank Melli Iran in city of Tehran, Iran. Cronbach alphas have been calculated as 0.76 and 0.83 for conflict management and brand promise, respectively. Using Pearson correlation ratios as well as multiple regression technique, the study determines that there was a reverse relationship between two conflict management strategies, cooperation and compromise, and brand promise. In addition, there was a positive relationship between two conflict management strategies, competition and compromise, and brand promise.

  12. DATA MINING. CONCEPTS AND APPLICATIONS IN BANKING SECTOR

    Directory of Open Access Journals (Sweden)

    ADRIAN IONUT PASCU

    2018-02-01

    Full Text Available The concept of banking refers to the multitude of services and products that commercial banks offer to clients and include besides transactional accounts both passive and active products. Due to the increased competitiveness in banking, the relationship between the bank and the client has become an essential factor for the strategy in order to increase customer satisfaction. Currently the banking system is able to store impressive amounts of data that they collect daily, from customer data and transaction details to data on their transactional or risk profile. The process through which large amounts of data are analyzed, extracted, identified and the information obtained using mathematical and statistical models are interpreted is known as data mining. The discovery of knowledge from data involves identifying some models, some patterns with which certain events or possible risks are anticipated. This process helps banks to develop strategies in areas such as customer retention and loyalty, customer satisfaction, fraud detection and prevention, risk management, money laundering prevention. The aim of this paper is to present the concept of data mining and the concept of data discovery (KDD, but also the impact and important use of data mining techniques in the banking sector. This paper explores and reviews various data mining techniques that are applied in the banking sector but also provides insight into how these techniques are used in different areas to make decision-making easier and more efficient.

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

    Science.gov (United States)

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

    2018-04-01

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

  14. Organizing and managing innovation at ActivoBank

    OpenAIRE

    Carvalho, Tomás Valbordo

    2015-01-01

    ActivoBank, a small Portuguese retail bank with digital focus, has been operating in the Portuguese market with its current structure for five years. As the model proves to be successful and allows the company to grow at a generous pace, some questions arise on the most adequate innovation strategy for the company, one of the bank’s strongest competitive advantages. After hitting its breakeven point earlier than expected, in 2014, the bank is now at a critical point to check...

  15. Diversification and Community Bank Performance during a Financial Crisis

    Directory of Open Access Journals (Sweden)

    Kathy Estes

    2014-11-01

    Full Text Available Many U.S. banks failed or performed poorly during the recent financial crisis.  Although the costliest failures were large institutions, the majority of failures were community banks (less than $1 billion in total assets.  Community banks, which are considered instrumental in small business lending and employment growth, face different risks and challenges than their larger counterparts, including a lack of economies of scale and scope and exclusion from “too-big-to-fail” status.  These challenges, coupled with the recent failures, motivate research into potential strategies managers can use to improve performance.  This study examined the relationship between three potential diversification strategies and community bank risk-adjusted performance from 2007 to 2011.  Understanding these relationships could improve management’s decision-making, allowing them to choose risk-mitigating strategies during a severe economic downturn.  Herfindahl-Hirschman Indexes (HHIs were calculated as proxies for geographic, activity, and asset diversification.  Multiple regression models for each of the five years were used to calculate the impact of diversification variables on risk-adjusted ROA.  The results show that diversification in all areas is directly related to performance; however, only the asset diversification relationship is significant.  To the extent possible for community banks, diversification may improve risk-adjusted performance.

  16. THE CLIENTS’ DEGREE OF CREDIBILITY AND TRUSTABILITY IN THE BANKING SECTOR OF THE REPUBLIC OF MOLDOVA UNDER THE CONDITIONS OF THE BANK FAILURES

    Directory of Open Access Journals (Sweden)

    Stela CIOBU

    2016-06-01

    Full Text Available The number of banks which face problems (besides the three banks that have become bankrupt has increased making the clients to worry about their money held in banks. The main is that not all the banking sector is facing instability; some banks register good results and have a competitive and stable position on the market. With all these, due to the bad rumours, people lost credibility and loyalty. The created bad reputation of the banking sector should be broken by implementing new and more suitable policies, new strategies oriented towards clients’ satisfaction and realization. The banks’ main mission is to make people to believe in them as usually.

  17. The Malaysian microfinance system and a comparison with the Grameen Bank (Bangladesh and Bank Perkreditan Rakyat (BPR-Indonesia

    Directory of Open Access Journals (Sweden)

    Suraya Hanim Mokhtar

    2013-06-01

    Full Text Available Microfinance programme in Malaysia has been implemented since 1987 as one of the poverty eradication strategies in the country. There are three large microfinance institutions in Malaysia namely AIM, YUM and TEKUN that targeted to different groups of people. Each of the microfinance institution has its own lending systems and has been subsidised by the government since their existence. This paper compares the Malaysian subsidised microfinance institutions’ lending systems with the unsubsidised microfinance institutions such as the Grameen Bank in Bangladesh and People’s Bank (Bank Perkreditan Rakyat/BPR in Indonesia. This study found the Grameen Bank and BPR have more variety of microfinance services and flexible lending systems compared with Malaysian microfinance institutions.

  18. Developing an item bank to measure the coping strategies of people with hereditary retinal diseases.

    Science.gov (United States)

    Prem Senthil, Mallika; Khadka, Jyoti; De Roach, John; Lamey, Tina; McLaren, Terri; Campbell, Isabella; Fenwick, Eva K; Lamoureux, Ecosse L; Pesudovs, Konrad

    2018-05-05

    Our understanding of the coping strategies used by people with visual impairment to manage stress related to visual loss is limited. This study aims to develop a sophisticated coping instrument in the form of an item bank implemented via Computerised adaptive testing (CAT) for hereditary retinal diseases. Items on coping were extracted from qualitative interviews with patients which were supplemented by items from a literature review. A systematic multi-stage process of item refinement was carried out followed by expert panel discussion and cognitive interviews. The final coping item bank had 30 items. Rasch analysis was used to assess the psychometric properties. A CAT simulation was carried out to estimate an average number of items required to gain precise measurement of hereditary retinal disease-related coping. One hundred eighty-nine participants answered the coping item bank (median age = 58 years). The coping scale demonstrated good precision and targeting. The standardised residual loadings for items revealed six items grouped together. Removal of the six items reduced the precision of the main coping scale and worsened the variance explained by the measure. Therefore, the six items were retained within the main scale. Our CAT simulation indicated that, on average, less than 10 items are required to gain a precise measurement of coping. This is the first study to develop a psychometrically robust coping instrument for hereditary retinal diseases. CAT simulation indicated that on an average, only four and nine items were required to gain measurement at moderate and high precision, respectively.

  19. Effectiveness of post-fire seeding in desert tortoise Critical Habitat following the 2005 Southern Nevada Fire Complex

    Science.gov (United States)

    DeFalco, Lesley; Drake, Karla K.; Scoles-Sciulla, S. J.; Bauer, Kyla L.

    2010-01-01

    In June 2005, lightning strikes ignited multiple wildfires in southern Nevada. The Southern Nevada Fire Complex burned more than 32,000 acres of designated desert tortoise Critical Habitat and an additional 403,000 acres of Mojave Desert habitat characterized as potentially suitable for the tortoise. Mortalities of desert tortoises were observed after the fires, but altered habitat is likely to prolong and magnify the impacts of wildfire on desert tortoise populations. To accelerate the re-establishment of plants commonly used by tortoises for food and shelter, the Bureau of Land Management (BLM) distributed seeds of native annual and perennial species in burned areas within desert tortoise Critical Habitat. The U.S. Geological Survey (USGS) established monitoring plots to evaluate broadcast seeding as a means to restore habitat and tortoise activity compared with natural recovery. Within the standard three-year Emergency and Stabilization Response (ESR) monitoring timeline, seeding augmented perennial seed banks by four to six-fold within a year of seed applications compared with unseeded areas. By the end of the three-year monitoring period, seedling densities of seeded perennial species were 33% higher in seeded areas than in unseeded areas, particularly for the disturbance-adapted desert globemallow (Sphaeralcea ambigua) and desert marigold (Baileya multiradiata). Seeded annuals, in contrast, did not increase significantly in seed banks or biomass production, likely due to low seeding rates of these species. Production of non-native annuals that helped carry the fires was not reduced by seeding efforts but instead was strongly correlated with site-specific rainfall, as were native annual species. The short-term vegetation changes measured in seeded areas were not yet associated with a return of tortoise activity to unburned levels. By focusing on a combination of native species that can withstand disturbance conditions, including species that are found in

  20. Vulnerability in farmer seed systems: Farmer practices for coping with seed insecurity for sorghum in Eastern Ethiopia

    NARCIS (Netherlands)

    McGuire, S.J.

    2007-01-01

    Many interventions try to address farmers¿ seed insecurity, though few assess the causes of farmers¿ vulnerability or understand their coping strategies. This paper analyzes farmers¿ practices for maintaining sorghum seed security in a specific season (1998¿99) in Ethiopia, which provides a richer

  1. The importance of implementing CRM concept in the banking sector

    Directory of Open Access Journals (Sweden)

    Marinković Vladimir

    2015-01-01

    Full Text Available In the past banks traditionally operated at the predominantly stable market. With the outbreak of the economic crisis and the increased number of competitors the situation has drastically changed. Today banks are facing aggressive competition, which requires additional efforts in order to ensure survival at the competitive and unpredictable market. Customers are the essence and basis of the banking sector's development. Banks cannot function without customers. This is why Customer Relationship Management (CRM is of strategic importance for the banking sector. CRM helps banks to achieve profit by establishing long-term relations. High-quality customer relationship management is only possible with the support of a sound IT system. The practice among companies has shown that investments in the CRM system and customer relations are usually intuitive and based on the management's experience, with no detailed investment plan as in the case of other investment fields. Banks have realized that customer relationship management is an extremely significant factor of their success. CRM is a strategy that may help them build long-term relations with their clients, thereby increasing their profit through an adequate management system and implementation of customer-oriented strategy.

  2. Interest Rate Fluctuation Effect on Commercial Bank's Fixed Fund Deposit in Nigeria

    OpenAIRE

    Okolo Chimaobi Valentine

    2015-01-01

    Commercial banks in Nigeria adopted many strategies to attract fresh deposits including the use of high deposit rate. However, pricing of banking services moved in favor of the banks at the expense of customers, resulting in their seeking other investment alternatives rather than saving their money in the bank. Both deposit and lending rates were greatly influenced by the Central Bank of Nigeria (CBN) decision on interest rate. Therefore, commercial bank effort to attract...

  3. MEMBANGUN KEMITRAAN BANK SYARIAH DENGAN PENDEKATAN SHARIAH MARKETING

    OpenAIRE

    Arief Yulianto

    2011-01-01

    Amidst the competitions among shariah bank demanding the shariah bank to have marketing strategies in order to keep a sustainable relation between bank and customers. It was revealed from this research that some variables: product attributes, the quality of service to the Islamic approach to marketing, reputation, satisfaction, affective commitment, continuous commitment and customer loyalty can be accepted as the decisive variables in deciding the good marketing relation­ship between shariah...

  4. Factors Influence Development of E-Banking in Malaysia

    OpenAIRE

    Chai Lee Goi

    2006-01-01

    There are several underlying forces coming together have caused theE-banking development in Malaysia. The development mainly because ofnew marketing strategy especially to create E-Customer RelationshipManagement (E-CRM) and to improve banking activities. The otherreasons are development of technology, applications and tools, as wellas supported by the government.

  5. Seed bank survival of an invasive species, but not of two native species, declines with invasion.

    Science.gov (United States)

    Orrock, John L; Christopher, Cory C; Dutra, Humberto P

    2012-04-01

    Soil-borne seed pathogens may play an important role in either hindering or facilitating the spread of invasive exotic plants. We examined whether the invasive shrub Lonicera maackii (Caprifoliaceae) affected fungi-mediated mortality of conspecific and native shrub seeds in a deciduous forest in eastern Missouri. Using a combination of L. maackii removal and fungicide treatments, we found no effect of L. maackii invasion on seed viability of the native Symphoricarpos orbiculatus (Caprifoliaceae) or Cornus drummondii (Cornaceae). In contrast, fungi were significant agents of L. maackii seed mortality in invaded habitats. Losses of L. maackii to soil fungi were also significant in invaded habitats where L. maackii had been removed, although the magnitude of the effect of fungi was lower, suggesting that changes in soil chemistry or microhabitat caused by L. maackii were responsible for affecting fungal seed pathogens. Our work suggests that apparent competition via soil pathogens is not an important factor contributing to impacts of L. maackii on native shrubs. Rather, we found that fungal seed pathogens have density-dependent effects on L. maackii seed survival. Therefore, while fungal pathogens may provide little biotic resistance to early invasion by L. maackii, our study illustrates that more work is needed to understand how changes in fungal pathogens during the course of an invasion contribute to the potential for restoration of invaded systems. More generally, our study suggests that increased rates of fungal pathogen attack may be realized by invasive plants, such as L. maackii, that change the chemical or physical environment of the habitats they invade.

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

    Directory of Open Access Journals (Sweden)

    Shailesh Limbad

    2013-10-01

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

  7. Ectopic bone formation in bone marrow stem cell seeded calcium phosphate scaffolds as compared to autograft and (cell seeded allograft

    Directory of Open Access Journals (Sweden)

    J O Eniwumide

    2007-08-01

    Full Text Available Improvements to current therapeutic strategies are needed for the treatment of skeletal defects. Bone tissue engineering offers potential advantages to these strategies. In this study, ectopic bone formation in a range of scaffolds was assessed. Vital autograft and devitalised allograft served as controls and the experimental groups comprised autologous bone marrow derived stem cell seeded allograft, biphasic calcium phosphate (BCP and tricalcium phosphate (TCP, respectively. All implants were implanted in the back muscle of adult Dutch milk goats for 12 weeks. Micro-computed tomography (µCT analysis and histomorphometry was performed to evaluate and quantify ectopic bone formation. In good agreement, both µCT and histomorphometric analysis demonstrated a significant increase in bone formation by cell-seeded calcium phosphate scaffolds as compared to the autograft, allograft and cell-seeded allograft implants. An extensive resorption of the autograft, allograft and cell-seeded allograft implants was observed by histology and confirmed by histomorphometry. Cell-seeded TCP implants also showed distinct signs of degradation with histomorphometry and µCT, while the degradation of the cell-seeded BCP implants was negligible. These results indicate that cell-seeded calcium phosphate scaffolds are superior to autograft, allograft or cell-seeded allograft in terms of bone formation at ectopic implantation sites. In addition, the usefulness of µCT for the efficient and non-destructive analysis of mineralised bone and calcium phosphate scaffold was demonstrated.

  8. Optimizing the Banking Activity Using Assets & Liabilities Management

    Directory of Open Access Journals (Sweden)

    Vasile Dedu

    2008-10-01

    Full Text Available In the actual study, starting from the international experience, we revealed the role that should be taken by the Assets and Liabilities Committee (ALCO within the Romanian commercial banks. ALCO became one of the tools used by the executive management of the banks to take decisions regarding the future policy of assets and liabilities management, relying on the synthetic information prepared by well trained technicians but without voting right (usually middle management staff. We consider that the implementation of an assets and liabilities management strategy cannot be done without an appropriate corporate governance structure, even though the bank is having highly specialized staff. Models of some western banking institutions may be considered as benchmarks by the Romanian banks.

  9. Assessing newly introduced climate change adaptation strategy packages among rural households: Evidence from Kaou local government area, Tahoua State, Niger Republic

    Directory of Open Access Journals (Sweden)

    Ali M. Tabbo

    2017-04-01

    Full Text Available This research discusses new strategies developed and introduced by national and international partners to help farmers in building adaptative capacity against the negative externalities of climate change. The purpose of this study is to determine and to assess the most important adaptation strategies introduced by development partners. Based on the recognition interview with farmers and synthesis of previous research, 13 strategies were compiled and included in the study. Thus, an advance in the balanced incomplete block design was used to design the questionnaire served as data collection tools. For each question, respondents were asked to choose their best and their worst strategies. Thus, the difference between the best and worst strategies consistent with random utility theory was used for the modelling. Results show that herd rebuilding, human capacity building, introduction of fishing, water and soil conservation activities, introduction of leafy vegetable such as Moringa oleifera, financial credit, forage seed marketing and introduction of agriculture inputs were the most important strategies, while the support to vegetable production, income-generating activities, the use of agricultural improved seed varieties, anti-fire band making and cereal bank introduction were the least important adaptation strategies for farmers. These results are therefore essential for the dissemination of adaptation strategies, thereby stimulating and maintaining sustainability development actions in the study area.

  10. Oil palm seed distribution

    Directory of Open Access Journals (Sweden)

    Durand-Gasselin Tristan

    2005-03-01

    Full Text Available For a tropical plant, the oil palm commodity chain has the peculiarity of possessing a major seed production sector for reasons that are primarily genetic. This seed sector has numerous original aspects. Breeders are also propagators and usually also distribute their seeds. Oil palm seeds are semi-recalcitrant: they display pseudo-dormancy. Achieving seed germination is difficult and requires lengthy treatments and special installations. This restriction greatly influences seed distribution and the role of the different stakeholders in the commodity chain. It was only once it had been discovered how the “sh” gene functioned, which controls shell thickness, and when it became necessary to produce “tenera” seeds derived from exclusively “dura x pisifera” crosses, that a true seed market developed. In addition it is difficult to organize seed distribution to smallholders. This is partly due to difficulties that the profession, or a State-run organization, has in controlling middlemen networks, and partly to the absence of any protective systems (UPOV, plant breeder certificate, etc. that generally oblige breeders to preserve and propagate parents in their own installations. In fact there are major inequalities in the access to seeds between agroindustry and smallholders. Another peculiarity of the oil palm seed market is the virtually total absence of guarantees for buyers: the quality of the research conducted by breeders, the seed production strategies necessary for transferring genetic progress, and the technical quality of production. The only guarantee today comes from the relations of confidence established year after year between breeders/distributors and growers. In this fields, research can lead to some proposals: molecular biology offers some interesting prospects for certifying seed quality and social science develop effective communication methods.

  11. EDUKASI MARKETING BANK SYARÎ’AH

    Directory of Open Access Journals (Sweden)

    Wadhan Wadhan

    2013-08-01

    Full Text Available Abstract: Marketing is a significant aspect to increase consumer trust. Hence, it is essential to educate the consumer with the lesson of the importance of syarî’ah products concerning the marketing aspects. In fact, many banks serves the customer with syariah service in Indonesia.  The basic concept of spiritual marketing is the managements of creation, taste, heart and work (the implementation. Those concepts are under the guidence of faith integrity, obidience, and loyality to Allâh swt. The key of ethics and moral of business is truly placed on the doers. A Muslim busines manager must hold tightly the ethic and moral of business that cope –khusn al-huluq, trusty, dan tolerant. There are three marketing strategies of syariah banking; marker driven strategic, viral marketing way, and fish net strategy. Element of  mega marketing that had been intruduced by Rasûlullâh since the fifteenth century, and now can be adopted to any kinds of businesses including syariah banking. Key Words: Marketing, Marketer, dan Mega Marketing  

  12. Socio-economic analysis of maize seed production in Arghakhanchi district of Nepal

    Directory of Open Access Journals (Sweden)

    Mahima Bajracharya

    2016-12-01

    Full Text Available The purpose of this study was to assess the socioeconomic condition of maize seed and non-seed producers. A field survey was carried out in sixty households of Khanchikot VDC of Arghakhanchi district during May, 2014. The district was major seed producing district and Khanchikot was found better in seed production than other VDC in district. Simple random sampling technique was used to collect data using pre-tested interview schedule. About 57% were seed producer among the sample. The average family size of household was 5. Dependency ratio was less in seed producing households (0.41 than non-seed producers (0.72. Farmers were involved in the production of certified seed and the major (50% source of foundation seed was National Maize Research Program, Rampur, Chitwan. The external input like chemical fertilizer was used in fewer amounts in the study area. The seed test was done at regional laboratory, Bhairahawa and sold to DADO, Arghakhanchi. Decision on loan taking, business operation and bank account were taken by males whereas cropping pattern, deficit labor use, religious and social works related decision were taken by females in the household. Major problem in maize production were lack of technical assistance followed by inadequate irrigation facilities. Proper training, extension service and government support on inputs would help in better socio-economic condition and production of maize.

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

    Directory of Open Access Journals (Sweden)

    Seyhan Çil Koçyiğit

    2014-09-01

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

  14. Defining the role of fire in alleviating seed dormancy in a rare Mediterranean endemic subshrub.

    Science.gov (United States)

    Cross, Adam T; Paniw, Maria; Ojeda, Fernando; Turner, Shane R; Dixon, Kingsley W; Merritt, David J

    2017-09-01

    Fire is a topical issue in the management of many ecosystems globally that face a drying climate. Understanding the role of fire in such ecosystems is critical to inform appropriate management practices, particularly in the case of rare and ecologically specialized species. The Mediterranean heathlands are highly fire-prone and occur in a biodiversity hotspot increasingly threatened by human activities, and determining the reproductive thresholds of at-risk heathland species is critical to ensuring the success of future conservation initiatives. This study examined the germination biology of the threatened carnivorous subshrub Drosophyllum lusitanicum , with specific focus on the role of fire-related cues (heat and smoke) in combination with seasonal temperatures and moisture conditions to determine how these factors regulate seed dormancy and germination. We found that D. lusitanicum produces water-permeable, physiologically dormant seeds with a fully developed, capitate embryo that when fresh (~1 month old) and without treatment germinate to 20-40 % within 4-8 weeks. Seeds possess a restricted thermal window (15-20 °C) for germination and a neutral photoblastic response. Seed dormancy was overcome through precision nicking of the seed coat (>90 % germination) or by short exposure to dry heat (80 or 100 °C) for 5-30 min (60-100 % germination). We propose seedling emergence from the soil seed bank may be cued by the passage of fire, or by soil disturbance from the movement and browsing of animals. Long-term population viability is likely to be contingent upon appropriate management of the persistent soil seed bank, as well as the adequate management of key ecological disturbances such as fire. Drosophyllum lusitanicum faces an increasingly bleak future in the absence of conservation and management initiatives aimed at reducing habitat fragmentation in heathlands and aligning fire management and livestock practices with biodiversity outcomes.

  15. 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.

  16. CULTURE TRANSFORMATION: LESSONS FROM BANK MANDIRI AND BANK BRI

    Directory of Open Access Journals (Sweden)

    Mahmuddin Yasin

    2014-11-01

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

  17. Green Quantification Strategy Combined with Chemometric Analysis for Triglycerides in Seeds Used in Traditional Chinese Medicine.

    Science.gov (United States)

    Hou, Jin-Jun; Guo, Ji-Ling; Cao, Chun-Mei; Yao, Shuai; Long, Hua-Li; Cai, Lu-Ying; Da, Juan; Wu, Wan-Ying; Guo, De-An

    2018-04-01

    Triglycerides are the primary constituents of some seed kernels used in traditional Chinese medicine. Quality control of seed kernels containing multiple components with an environmentally friendly method is indispensable for establishing their quality standards (called monographs) in pharmacopeia. Using coix seeds (Semen Coicis) as an example, a green quantification strategy was proposed by combining C 8 core-shell particles with single standard to determine multicomponent technologies to quantify seven triglycerides simultaneously. A core-shell column, namely, Halo C 8 (3.0 × 100 mm, 2.7 µm), was used. Methanol was used as the mobile phase at a flow rate of 0.3 mL/min, enabling UV detection of the elutes. Seven triglycerides were well separated in 20 min, and simultaneously quantified using triolein as a single standard. The conversion factor for each standard was set as 1.0 on ELSD, while for the conversion factors at 203 nm, the values increased with the reduction of linoleate. The recovery values were all in the range of 97 - 107% (RSD < 3.0%). The RSD values of precision, including intraday and intermediate precision, were < 3.0% when the total content of triglycerides was calculated. The linearity reached r ≥ 0.9990, and the limit of quantitation reached 40 - 70 ng. Forty-nine batches of coix seeds from four different places of origins and eight batches of adulterants were evaluated and differentiated using principal component analysis. In addition, the validated method was used successfully to quantity seven triglycerides in Semen Persicae, Semen Armeniacae Amarum, and Semen Pruni. Georg Thieme Verlag KG Stuttgart · New York.

  18. 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...

  19. 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...

  20. 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.

  1. Technology seed Sebastiania membranifolia Mull Arg (Euphorbiaceae

    Directory of Open Access Journals (Sweden)

    Neidiquele Maria Silveira

    2013-12-01

    Full Text Available Sebastiania membranifolia, popularly known as sarandi, is a tree species native to Brazil, usually found in land of alluvial floodplains and river banks, suitable for restoration of degraded areas. Despite the commercial importance of this species, little is known about its mechanisms of propagation. This research evaluated the germinating seeds under different conditions of temperature, substrate and light, and determined methods of scarification in order to establish a suitable protocol for sexual propagation. The study was conducted in chambers with BOD and thermal control photoperiod, testing the following treatments: temperatures of 25, 30 and alternating 20/30º C; substrates (sand-EA, on paper-SP and from paper -EP, four solutions gibberellin (50, 100, 200, 400 mgL-1; potassium nitrate (0.1, 0.2, 0.3 and 0.4% in the presence (12 h photoperiod and absence of light. The experimental design was completely randomized with four replications of 50 seeds each. We found that the average degree of seed moisture was 10.4% and the weight of a thousand seeds (PMS of 3.16 g. The highest percentage of germination was obtained with photoperiod at 25 º C, on paper (SP and between role (EP. The concentrations of 100 mg L-1 gibberellin and 0.1% potassium nitrate showed higher germination and vigor. Seed treatment with a gibberellin solution of 100 mgL-1 favored the growth of seedlings, unlike potassium nitrate that inhibit the growth even at low concentration.

  2. 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

  3. Dynamic asset allocation for bank under stochastic interest rates.

    OpenAIRE

    Chakroun, Fatma; Abid, Fathi

    2014-01-01

    This paper considers the optimal asset allocation strategy for bank with stochastic interest rates when there are three types of asset: Bank account, loans and securities. The asset allocation problem is to maximize the expected utility from terminal wealth of a bank's shareholders over a finite time horizon. As a consequence, we apply a dynamic programming principle to solve the Hamilton-Jacobi-Bellman (HJB) equation explicitly in the case of the CRRA utility function. A case study is given ...

  4. The importance of business intelligence in the bank strategic marketing

    Directory of Open Access Journals (Sweden)

    Đorđević Bojan

    2006-01-01

    Full Text Available Marketing philosophy today is inevitable for many financial institutions which are dealing with big competition in the market. Banking institutions while transforming from traditional to modern banks, must put in a first place acceptance of marketing principals, i.e. they must focus on consumers (users of bank's products & services. Implementing new technologies in business, banking market competitors are facing many innovations in products/services and processes, and a wide range of offers in banking and non-banking financial organizations. That invokes the need for modern technological solutions in gathering and processing a lot of market information and individual tracking of every client's activities (one-to-one. In those circumstances, there's great necessity to implement business intelligence system in banks, that can significantly help in finding and realization of adequate marketing strategies in banking business.

  5. 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...

  6. Transformation of the Polish Banking Sector

    Directory of Open Access Journals (Sweden)

    Marek Stefański

    2009-07-01

    Full Text Available In the post-war period the banking system in Poland underwent two important system transitions: after 1946 and after 1989. The third transformation began after May 1, 2004, but it did not have a systemic character. The Polish banking sector started to operate on the Single European Market. The first part of the paper is devoted to the problems of the banks transformations after 1989 with a special focus on the quantitative development of banks in 19892008, and on subsequent privatisation and consolidation processes. The former intensified in 19891999, and the latter in 19992002. The consolidation process was very noticeable in the sector of cooperative banks after 1994. The second part of the paper includes an economic and financial analysis of the banks. A lot of attention was paid to the liquidity of the banking sector. It was assessed as good, which was confirmed by a short-term rating of Moodys and by the Financial Stability Report 2009, published by the National Bank of Poland in June 2009. The comparison of the net profit of the banking sector in 19972008 shows its dependence on the economic situation and policy. The number of banks with capital adequacy ratio well above the minimum required by the banking supervision is rising. The financial power ratings are not favorable for the domestic banks. The third part of the paper focuses on the development directions of the Polish banking sector. It may be concluded on the basis of the analysis that privatisation and consolidation processes will be continued. They will concentrate on the capital of foreign banks already operating in Poland. As compared with individual foreign banks, the potential of the Polish banking sector is week. The fourth part of the paper focuses on the presentation Polish banking sector in the context of European Union banking sector. The paper finishes with conclusions. Generally, Polish banks have to implement a strategy to enable them to compete on the Single

  7. 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

  8. Customer Satisfaction and Competencies: an Econometric Study of an Italian Bank

    OpenAIRE

    Paola Gritti; Nicolai Foss

    2008-01-01

    We empirically address how customer satisfaction and loyalty in the banking industry may affect profitability. This helps to identify the strategy and competencies necessary to benefit from customer relationships which are important sources for improved performance in the banking. We do this by analyzing data collected on 2,105 customers of 118 branches of one of the biggest banks of an Italian banking group. We find that customer satisfaction impacts loyalty, which in turn has a direct effec...

  9. IMPACT OF RELATIONSHIP MARKETING ON CUSTOMER LOYALTY IN THE BANKING SECTOR

    OpenAIRE

    Mukhiddin Jumaev; Prof. Dr. Dileep Kumar. M.; Jalal R. M. Hanaysha

    2012-01-01

    The purpose of this study is to discuss the impact of customer loyalty in banking sector. The customer loyalty in banking has seen a major concern to practitioners due to severe competition and higher customer expectations. Further to that, one way to enhance customer loyalty in banking is by focusing on offering excellent services and meeting the needs of customer. Banks need to have a good understanding of their customer behaviour so that appropriate marketing strategies directed towards re...

  10. The model of asset management of commercial banks

    OpenAIRE

    Shaymardanov, Shakhzod; Nuriddinov, Sadriddin; Mamadaliev, Donierbek; Murodkhonov, Mukhammad

    2018-01-01

    The main objective of the commercial bank's policy in the sphere of asset and liability management is to maintain the optimal structure of assets and liabilities, ensure the compliance of amounts, terms and currency of attracting and allocating resources. The objectives and principles of asset and liability management are based on the bank's strategy and the fundamental principles of the risk management policy.

  11. Peasant seeds in Europe: stakes and prospects

    Directory of Open Access Journals (Sweden)

    Riccardo Bocci

    2011-11-01

    Full Text Available The myth of technological progress in agriculture and then modern plant breeding have resulted in a separation of farming from breeding activities. Seed laws have also contributed to this outcome (e.g. by imposing strict rules for the entry of varieties in the official catalogue. Nowadays, some pioneers, among them farmers rejecting industrialized agriculture and more often practising organic agriculture, are proposing a different option. In Europe, since the beginning of this century, they have been organizing themselves in networks: the Réseau Semences Paysannes in France, the Red de Semillas in Spain and the Rete Semi Rurali in Italy. Their members are farmers, consumers and scientists working together in order to reconsider the scientific, technical and legal aspects of seed production. These new varieties are designated ‘peasant varieties’, a concept that encompasses two main aspects: the seed, the reproductive part of the plant linked to its terroir, and the variety, shaped by history and coevolved with farmers. Scientists working with these networks are developing participatory plant breeding projects, which aim to broaden agrobiodiversity by creating so called new peasant varieties. The basis of these projects comes from old local varieties and landraces conserved in seed banks. In Europe, the legal framework has evolved since the establishment of ‘conservation varieties’ by directive 98/95. The European research project Farm Seed Opportunities is under way to support new seed policies, in the light also of the different national contexts. The debate in Europe now offers a range of seed systems models. It is time to enlarge this debate to southern countries through the sharing of knowledge between farmers of the North and the South, aiming at conserving agrobiodiversity and promoting rural innovation.

  12. Methodical Approaches to Risk Management in a Regional Commercial Bank

    Directory of Open Access Journals (Sweden)

    Elena Vladimirovna Altukhova

    2016-03-01

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

  13. Global biogeography of seed dormancy is determined by seasonality and seed size: a case study in the legumes.

    Science.gov (United States)

    Rubio de Casas, Rafael; Willis, Charles G; Pearse, William D; Baskin, Carol C; Baskin, Jerry M; Cavender-Bares, Jeannine

    2017-06-01

    Seed dormancy is expected to provide ecological advantages by adjusting germination to the favorable growth period. However, many species produce nondormant seeds, particularly in wet tropical forests, a biogeographic pattern that is not well accounted for in current models. We hypothesized that the global distribution of dormant seeds derives from their adaptive value in predictably fluctuating (i.e. seasonal) environments. However, the advantage conferred by dormancy might ultimately depend on other seed attributes, particularly size. This general model was tested within a phylogenetically informed framework using a data set comprising > 216 000 world-wide observations of Fabaceae, spanning three orders of magnitude in seed size and including both dormant and nondormant seeds. Our results confirmed our hypothesis: nondormant seeds can only evolve in climates with long growing seasons and/or in lineages that produce larger seeds. Conversely, dormancy should be evolutionarily stable in temperate lineages with small seeds. When the favorable season is fleeting, seed dormancy is the only adaptive strategy. Based on these results, we predict that, within a given lineage, taxa producing larger, nondormant seeds will necessarily predominate in aseasonal environments, while plants bearing small, dormant seeds will be dominant under short growing seasons. © 2017 The Authors. New Phytologist © 2017 New Phytologist Trust.

  14. Preparing investigation of methods for surveying tree seed demands among farmers in Tanzania

    DEFF Research Database (Denmark)

    Aabæk, Anders

    Insufficient seed supplies is often a major constraint on tree planting activities in developing countries. A central problem is to assess the actual demands for tree seed. This report shall, as a part of a PhD-study, prepare an investigation of different methods for surveying tree seed demands...... and preferences among private farmers in Tanzania. A framework for investigating seed demand and supply is outlined. The role of a national tree seed project in a seed supply sector is discussed and data requirements for strategy on seed procurement and tree improvement are outlined. Earlier surveys on seed...... demand pattern in Tanzania, Uganda and Nicaragua are discussed and a choice of strategy for an extensive survey of seed demand and supply in Tanzania is made. Different data collection methods and tools, e.g. quantitative and qualitative surveys and rapid rural appraisals, are described in detail...

  15. World bank and the environment. Progress report

    International Nuclear Information System (INIS)

    1991-01-01

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

  16. Plant DNA banks for genetic resources conservation (review

    Directory of Open Access Journals (Sweden)

    Н. Е. Волкова

    2016-12-01

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

  17. Mobile Phone Banking Usage Behaviour: An Australian Perspective

    Directory of Open Access Journals (Sweden)

    Majharul Talukder

    2014-12-01

    Full Text Available While the use of mobile phones in financial transactions is witnessing phenomenal growth at the international level, its growth has been relatively slow in Australia. Drawing on the theory of reasoned action and technology adoption framework, this paper reports the results concerning a survey of mobile phone users for banking transactions in Australia. The paper specifically identified the factors affecting usage behaviour when mobile phone banking services were engaged. The findings broaden and deepen our understanding of the usage of mobile-based banking in the information age. This paper contributes to the knowledge of this subject by including identification and testing of constructs of predictors regarding mobile phone banking, which are additional to those employed in the extant theories indicated above. The findings of this paper have important policy implications for banks in terms of understanding the underlying factors that drive customers’ mobile banking for financial transactions. Accordingly, design strategies have been developed to promote mobile phone banking – a cost effective channel for delivering financial services.

  18. BANK MERGERS AND ACQUISITIONS IN ROMANIA AFTER 1989

    Directory of Open Access Journals (Sweden)

    Copil Crina Angela

    2014-07-01

    Full Text Available In this paper I proposed to myself to analyse the main bank acquisitions and mergers from Romania after 1989, causes that led to their appearance, their effects on the bank system and their future perspectives on the Romanian bank market. In the context of adherence to the European bank system a solution for the Romanian banks is the concentration of the bank system by mergers and acquisitions or the increase of the bank capitals because in the period of transition the smaller banks are vulnerable, don’t dispose of an infrastructure that would alow them to offer financial services comparable to those offered by the great bank groups, can’t offer large credits and is addressing to the smaller and average enterprise, which in their turn are exposed to all the shocks that are felt in the economy. The strategies of concentration and consolidation applied by the banks in this period implemented by the transactions with mergers and acquisitions are essential because of their success depends the existence of the bank, the rank it will have on the market, the profit of the bank, the efficiency, the increase of the satisfaction degree of the clients and the increase of the shares’ value. The increase of the interest of the investor in mergers and acquisitions determined the creating of the great financial conglomerates that offer a large range of services, operates simultaneously on many markets and include beside the bank activity insurance, leasing subsidiaries, investment funds, pension funds, subsidiaries specialized in credit saving. In the last decades the Romanian bank financial system suffered significant changes, registering an ample consolidation process, the number of bank institutions decreased and in the context of the present financial crisis, the continuing of the process of restructuring is anticipated.The main reason for choosing this subject if the fact that in the evolution of the concentration the bank mergers and acquisitions

  19. Strategies for Increased Integration of Online and In - Branch Services of Banks in Canada

    OpenAIRE

    Jason Dong; Michael Bliemel,

    2008-01-01

    Over the last decade there has been rapid growth of Online Banking. This research examines the benefits of Online Banking and how Canadian Banks accommodate various financial activates through different service channels, including Online, telephone, ABM and in - branch. A Framework is introduced for categorizing the most common activities by their need for physical interaction and assistance and to align activities with their ideal service channel. This research is ...

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

    Directory of Open Access Journals (Sweden)

    Ismawati Haribowo

    2016-12-01

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

  1. Enhanced tocopherol levels during early germination events in Chamaerops humilis var. humilis seeds.

    Science.gov (United States)

    Siles, Laura; Alegre, Leonor; Tijero, Verónica; Munné-Bosch, Sergi

    2015-10-01

    Most angiosperms accumulate vitamin E in the form of tocopherols in seeds, exerting a protective antioxidant role. However, several palm trees principally accumulate tocotrienols, rather than tocopherols, in seeds, as it occurs in other monocots. To unravel the protective role of either tocopherols or tocotrienols against lipid peroxidation during seed germination in Chamaerops humilis var. humilis; seed viability, natural and induced germination capacity, seed water content, malondialdehyde levels (as an indicator of the extent of lipid peroxidation) and vitamin E levels (including both tocopherols and tocotrienols) were examined at various germination phases in a simulated, natural seed bank. At the very early stages of germination (operculum removal), malondialdehyde levels increased 2.8-fold, to decrease later up to 74%, thus indicating a transient lipid peroxidation at early stages of germination. Tocopherol levels were absent in quiescent seeds and did not increase during operculum removal, but increased later presumably dampening malondialdehyde accumulation. Thereafter, tocopherols continued increasing, while lipid peroxidation levels decreased. By contrast, tocotrienols levels remained constant or even decreased as germination progressed, showing no correlation with lipid peroxidation levels. We hypothesize that despite their high tocotrienol content, seeds synthesize tocopherols during germination to protect lipids from peroxidation events. Copyright © 2015 Elsevier Ltd. All rights reserved.

  2. Mergers and Acquisitions in the Spanish Banking Industry: some Empirical Evidence.

    OpenAIRE

    Ignacio Fuentes; Teresa Sastre

    1999-01-01

    Since the late eighties, the Spanish banking system has been undergoing major changes that have affected both its structure and the nature of strategic interaction among banking institutions. Various different strategies have been adopted to tackle the demands of this new operating environment, one such strategy having been consolidation via mergers and acquisitions. This paper attempts to provide some empirical evidence on the impact of the consolidation process on the monetary transmission ...

  3. Quality of Non-Interest Banking Services and Customers’ Satisfaction: Evidence from Jaiz Bank PLC, Kaduna, Nigeria

    Directory of Open Access Journals (Sweden)

    Yusuf Ismaila Mustapha

    2017-02-01

    Full Text Available The dwindling levels of service quality in Nigerian financial institutions had resulted in abysmal performance of most banks and other financial institutions in the sector and this challenge has made it imperative for financial firms to be customer centered in all their operational activities. The purpose of this study is to determine the effect of service quality of non-interest bank on customers’ satisfaction using Jaiz Bank PLC, Kaduna as a case study. The study utilized convenience and snowball sampling techniques to select 147 customers who served as respondents in the study. Correlation and multiple regression analysis were employed as analytical techniques. The results show that compliance with Islamic laws is highly correlated with customer satisfaction which was followed respectively by assurance, reliability, tangibility, responsiveness and empathy dimensions. It was also discovered that the six service quality dimensions significantly influenced the satisfaction of Jaiz Bank Plc, Kaduna branch customers’. The study recommends that management of the bank should exploit and maneuver the service quality dimensions as a survival strategy for improving customers’ satisfaction in an industry characterized by intense competition and environmental dynamism.

  4. Seed yield response to N fertilization and potential of proximal sensing in Italian ryegrass seed crops

    DEFF Research Database (Denmark)

    Vleugels, Tim; Rijckaert, Georges; Gislum, René

    2017-01-01

    Italian ryegrass (Lolium multiflorum L.) seed crops are often routinely fertilized with a predetermined amount of nitrogen (N) fertilizer in spring. However, nitrate leaching and increasing N fertilizer prices require rationalized fertilizer applications without compromises in seed yield....... The objectives of this study were (1) to determine the seed yield response to N fertilization, and (2) to evaluate if NDVI values can reliably predict the N status in Italian ryegrass seed crops. During eight years, field trials were conducted with two cultivars ‘Melclips’ and ‘Melquatro’, and seven N strategies...... applied after the forage cut as single or split application: 0, 60, 60 + 30, 90, 90 + 30, 120 and 150 kg N ha−1. NDVI values were obtained with a ‘GreenSeeker’ optical sensor. Maximum seed yield was attained at 141 kg N ha−1 total available N (92 kg N ha−1 fertilized). Higher fertilizations only increased...

  5. Do regulators pay attention? An assessment of IT governance implementation in systemically important banks

    Directory of Open Access Journals (Sweden)

    Mehrdad Sepahvand

    2017-03-01

    Full Text Available The large size and complexity of Information Technology systems in systematically important banks raise the need for creating an IT governance architecture that could make IT strategy aligned with business strategy and delivers value while it effectively identifies and manages IT risk. This study traces the links between IT governance and two more applied risk management frameworks, COSO and BCBS’s principles for managing IT risk. Then it argues due to the magnitude of potential losses caused by any weakness in IT governance in D-SIBs, the assessment of IT governance in these banks should be one of the main concerns of local regulators and supervisors. As a case study, it assesses the relative rank of D-SIBs in Iranian banking system to see where these banks would stand in an ordered list of the banks including both private and public banks in terms of IT governance implementation. The application of the Fuzzy AHP technique shows that IT governance practice in Iranian D-SIBs is not as good as the private banks while it outperforms some state-owned banks.

  6. Seed ecology and regeneration in dry Afromontane forests of Ethiopia

    Energy Technology Data Exchange (ETDEWEB)

    Teketay, D. [Swedish Univ. of Agricultural Sciences, Umeaa (Sweden). Dept. of Forest Vegetation Ecology

    1996-12-31

    Various aspects of seed and regeneration ecology: germination requirements of seeds, seed longevity in the soil, soil seed banks in forests, gaps and arable land as well as density, survival and growth of seedlings were investigated within the dry Afromontane region in Ethiopia. In laboratory germination tests, 60% of the species studied exhibited some degree of initial dormancy and the optimum constant temperature for germination was between 20 and 25 deg C in the majority of the species. A few species showed a requirement for fluctuating temperatures and germination was suppressed or completely inhibited in several, mainly small-seeded, species when they were incubated in darkness or in light filtered through green leaves. Hard-seeded species required scarification treatments to improve germination, indicating seed-coat imposed dormancy. Dry storage reduced the germinability of seeds in a few species, suggesting a recalcitrant behaviour, while seeds of many species remained unaffected. During four years of storage in forest soils, seeds of 2 out of 8 species germinated in the soil almost completely within a year, 2 of the species maintained nearly full viability, while 4 were intermediate. The generally high levels of dormancy and somewhat extended viability of seeds in the soil may have been selected for under a climate of seasonal drought and unreliable rainfall that characterizes the dry Afromontane region. Dry Afromontane forests have a potential to recover in relatively short time after natural and man-made disturbances, e.g. after carefully managed selective cutting. However, the common practice of clearing forests and converting them into permanent arable land destroys the sources of regrowth thereby preventing regeneration of the forest vegetation. Therefore, the fate of dry Afromontane forests depends on the protection, careful management and conservation of the remaining patches. 102 refs, 4 figs, 1 tab

  7. Electron beam irradiation: laboratory and field studies of cowpea seeds

    International Nuclear Information System (INIS)

    Srinivasan, K.; Chauhan, S.K.; Prasad, T.V.; Pramod, R.; Verma, V.P.; Petwal, V.; Dwivedi, J.; Bhalla, S.

    2015-01-01

    Cowpea (Vigna unguiculata) rich in protein and vitamins is emerging as one of the most important food legumes to tackle malnutrition. Pulse beetles (Callosobruchus chinensis and C. maculatus) are the pests of economic importance causing enormous losses during storage. Although various pest management strategies exist for the control of these pests, environmental concerns necessitate developing ecofriendly strategies. Electron beam (EB) irradiation has the potential to be a viable, non-chemical, residue-free strategy for management of pulse beetles during storage, but higher doses affect seed germination and viability. Hence, the present investigation was taken up to analyse the dosage effect of the irradiation on seed attributes of cowpea. Healthy cowpea seeds were irradiated with low energy electrons at different doses viz., 180, 360, 540, 720, 900, 1080, 1260, 1440 and 1620 Gy at 500 keV using the EB Accelerator facility at Raja Ramanna Centre for Advanced Technology, Indore. EB irradiated seeds were tested for physiological viz., germination, seedling vigour and vigour index and biochemical parameters viz., electrical conductivity of seed leachate, seed viability/tetrazolium test and dehydrogenase activity. Germination and vigour of the irradiated seeds were evaluated as per the ISTA Rules (ISTA, 1996). Vigour index was calculated as the product of germination percentage and seedling vigour. About 3,000 irradiated seeds from each dose were grown in the field at the Experimental farm, National Bureau of Plant Genetic Resources, New Delhi. Seeds harvested from 1500 individual plants of M 1 generation from each dose (50 seeds from each plant individually) were sown in next season and observed for chlorophyll mutations, if any. Results revealed that doses upto 1080 Gy (88%) did not affect the germination of cowpea seeds drastically as compared to untreated seeds (98%). Lower doses viz., 180 and 360 Gy had no impact on vigour components while higher doses (1080 Gy

  8. Ecophysiology of seed germination in Digitaria insularis ((L. Fedde

    Directory of Open Access Journals (Sweden)

    Giovana Soares de Mendonça

    Full Text Available The invasive behaviour of sourgrass (Digitaria insularis in cultivated areas is due to its strategy of aggressive regeneration, which is based on seed germination. Knowledge of the physiological ecology of this species can contribute to the development of management and control strategies. The aim of this research was to understand the effects of provenance, temperature and light on the germination of sourgrass seeds collected in the Brazilian state of São Paulo in the cities of Americana, Botucatu and São José do Rio Preto and in the state of Paraná in the city of São Miguel do Iguaçu. The seeds were left to germinate at temperatures of 15, 25, 35 and 45 °C, both with and without light. The number of normal seedlings was recorded daily from seven to 60 days. After this period, the seeds together with substrate, were transferred to 25 ºC with light, and a daily count was made for all treatments until the end of germination (75 days after sowing. The seeds of D. insularis are positively photoblastic. Seed germination in this species depends on provenance. A temperature of 4 5 °C for germination is lethal to the seeds. The temperature of 35 °C in the presence of light is the most favourable condition for seed germination.

  9. Model-based strategy for cell culture seed train layout verified at lab scale.

    Science.gov (United States)

    Kern, Simon; Platas-Barradas, Oscar; Pörtner, Ralf; Frahm, Björn

    2016-08-01

    Cell culture seed trains-the generation of a sufficient viable cell number for the inoculation of the production scale bioreactor, starting from incubator scale-are time- and cost-intensive. Accordingly, a seed train offers potential for optimization regarding its layout and the corresponding proceedings. A tool has been developed to determine the optimal points in time for cell passaging from one scale into the next and it has been applied to two different cell lines at lab scale, AGE1.HN AAT and CHO-K1. For evaluation, experimental seed train realization has been evaluated in comparison to its layout. In case of the AGE1.HN AAT cell line, the results have also been compared to the formerly manually designed seed train. The tool provides the same seed train layout based on the data of only two batches.

  10. 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...

  11. The effects of Fusarium oxysporum on broomrape (Orobanche egyptiaca) seed germination.

    Science.gov (United States)

    Hasannejad, S; Zad, S Javad; Alizade, H Mohamad; Rahymian, H

    2006-01-01

    Broomrape (Orobanche aegyptiaca L.), one of the most important parasitic weeds in Iran, is a root parasitic plant that can attack several crops such as tobacco, sunflower, tomato and etc. Several methods were used for Orobanche control, however these methods are inefficient and very costly. Biological control is an additional recent tool for the control of parasitic weeds. In order to study of the fungus Fusarium oxysporum (biocontrol agent) effects on broomrape seed germination, two laboratory studies were conducted in Tehran University. In the first experiment, different concentration of GR60 (0, 1, 2 and 5 ppm) as stimulation factor for Orobanche seeds germination were experimented. Results showed that concentrations of GR60 had a significant effect on seed germination. The highest seed germination percent was obtained in 1 ppm. In the second experiment, the effect of Fusarium oxysporum was tested on O. aegyptiaca seeds germination. The fungus Fusarium oxysporum were isolated from infested and juvenile O. aegyptiaca ower stalks in tomato field in karaj. Fungus spores suspension in different concentrations (0 (Control), 10(5) (T1), 10(6) (T2), 10(7) (T3) and 3 x 10(7) (T4)) from potato dextrose agar (PDA) prepared and together with 1ppm of GR60 concentration were tested on O. aegyptiaca seeds. Results show that the highest inhibition of seed germination obtained in 10(5) spores/ml. With increasing of suspension concentrations, inhibition percent was reduced and mortality of seeds germ tube was increased. In this investigation, Fusarium oxysporum can be used to inhibit seed germination, stimulate the "suicidal germination" of seeds and reduce the Orobanche seed bank.

  12. Gene expression analysis of flax seed development

    Science.gov (United States)

    2011-01-01

    Background Flax, Linum usitatissimum L., is an important crop whose seed oil and stem fiber have multiple industrial applications. Flax seeds are also well-known for their nutritional attributes, viz., omega-3 fatty acids in the oil and lignans and mucilage from the seed coat. In spite of the importance of this crop, there are few molecular resources that can be utilized toward improving seed traits. Here, we describe flax embryo and seed development and generation of comprehensive genomic resources for the flax seed. Results We describe a large-scale generation and analysis of expressed sequences in various tissues. Collectively, the 13 libraries we have used provide a broad representation of genes active in developing embryos (globular, heart, torpedo, cotyledon and mature stages) seed coats (globular and torpedo stages) and endosperm (pooled globular to torpedo stages) and genes expressed in flowers, etiolated seedlings, leaves, and stem tissue. A total of 261,272 expressed sequence tags (EST) (GenBank accessions LIBEST_026995 to LIBEST_027011) were generated. These EST libraries included transcription factor genes that are typically expressed at low levels, indicating that the depth is adequate for in silico expression analysis. Assembly of the ESTs resulted in 30,640 unigenes and 82% of these could be identified on the basis of homology to known and hypothetical genes from other plants. When compared with fully sequenced plant genomes, the flax unigenes resembled poplar and castor bean more than grape, sorghum, rice or Arabidopsis. Nearly one-fifth of these (5,152) had no homologs in sequences reported for any organism, suggesting that this category represents genes that are likely unique to flax. Digital analyses revealed gene expression dynamics for the biosynthesis of a number of important seed constituents during seed development. Conclusions We have developed a foundational database of expressed sequences and collection of plasmid clones that comprise

  13. Gene expression analysis of flax seed development

    Directory of Open Access Journals (Sweden)

    Sharpe Andrew

    2011-04-01

    Full Text Available Abstract Background Flax, Linum usitatissimum L., is an important crop whose seed oil and stem fiber have multiple industrial applications. Flax seeds are also well-known for their nutritional attributes, viz., omega-3 fatty acids in the oil and lignans and mucilage from the seed coat. In spite of the importance of this crop, there are few molecular resources that can be utilized toward improving seed traits. Here, we describe flax embryo and seed development and generation of comprehensive genomic resources for the flax seed. Results We describe a large-scale generation and analysis of expressed sequences in various tissues. Collectively, the 13 libraries we have used provide a broad representation of genes active in developing embryos (globular, heart, torpedo, cotyledon and mature stages seed coats (globular and torpedo stages and endosperm (pooled globular to torpedo stages and genes expressed in flowers, etiolated seedlings, leaves, and stem tissue. A total of 261,272 expressed sequence tags (EST (GenBank accessions LIBEST_026995 to LIBEST_027011 were generated. These EST libraries included transcription factor genes that are typically expressed at low levels, indicating that the depth is adequate for in silico expression analysis. Assembly of the ESTs resulted in 30,640 unigenes and 82% of these could be identified on the basis of homology to known and hypothetical genes from other plants. When compared with fully sequenced plant genomes, the flax unigenes resembled poplar and castor bean more than grape, sorghum, rice or Arabidopsis. Nearly one-fifth of these (5,152 had no homologs in sequences reported for any organism, suggesting that this category represents genes that are likely unique to flax. Digital analyses revealed gene expression dynamics for the biosynthesis of a number of important seed constituents during seed development. Conclusions We have developed a foundational database of expressed sequences and collection of plasmid

  14. STRATEGI CUSTOMER RELATIONSHIP MARKETING TERHADAP LOYALITAS PELANGGAN

    Directory of Open Access Journals (Sweden)

    Sri Setyo Iriani

    2017-03-01

    Full Text Available Competition in the banking industry had rapidly gave freedom to our customers in determining the choice touse their services, so if the value received was not as expected, then the customers were easy to move to anotherbank, which was considered in accordance with their wishes. Thus, banks were implementing various strategies,both offensive and defensive oriented. Defensive strategy was oriented to maintain customers by buildingrelationships with customers so that customers will be loyal to the bank. This study aimed to examine the effectof customer relationship marketing strategy on customer loyalty of BNI and BCA in East Java. Total samplewas 210 clients, 105 clients each of BNI and BCA. Data was collected using interviews and questionnaires. Theresults showed that there was influence of customer relationship marketing strategy on customer loyalty of BNIand BCA, because each customer provided high ratings on all indicators of the bank’s CRM strategy in whichthey saved money. Trust was the most decisive for customers in a comprehensive evaluation of the closeness ofthe relationship with the bank. Furthermore, customers of both banks showed high behavioral loyalty to eachbank.

  15. PENGARUH RELATIONSHIP MARKETING TERHADAP LOYALITAS NASABAH BANK

    Directory of Open Access Journals (Sweden)

    Sugeng Pradikto

    2017-03-01

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

  16. E-Banking of Economical Prospects in Bangladesh

    OpenAIRE

    Mohammad Azizul Baten; Anton Abdulbasah Kamil,

    2010-01-01

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

  17. The Mayekawa Lecture: Central Banks-Paradise Lost

    OpenAIRE

    Otmar Issing

    2012-01-01

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

  18. Can retail banking clients' attrition be managed?

    Directory of Open Access Journals (Sweden)

    Agaliotis Konstantinos

    2015-01-01

    Full Text Available The rurrο_e of all banks across the universe is to satisfy their clients' necessities. One of the predominant impacts of the last few years' financial crisis in Europe was the way in which customers interact with their banks. The theory of 'main bank' is not any more the case as clients' trust toward banks fades away together with their loyalty. Nowadays, it is necessary for banks to segment their clientele data base, and target the most profitable clients. The retention strategy of each financial institution becomes more and more important as the value of each retained customer is disproportional to the cost of acquiring a new one. The main findings of the subject retail banking clients' retention policy analysis prove that clients of different lifetime value have different propensity to defect. At the same time, the ability of a bank to retain a potential defector does not depend directly on satisfying the defection reason. Many of the various bank counter offers which do not directly satisfy the reason that a client refers to as the 'defection' one, are enough in order to retain a client. Equally important to the identification of clients' behavioural patterns is the use of the subject findings on behalf of the retail oriented banks in order to predict accurately the cost of future defection, as well as, to incorporate one more measurable parameter in their credit risk scorecards i.e. the intention to increase credit exposure.

  19. EMPIRICAL ASSESSMENT OF MICROFINANCE BANKS IN NIGERIA USING EFQM EXCELLENCE MODEL

    Directory of Open Access Journals (Sweden)

    Chijioke Nwachukwu

    2017-06-01

    Full Text Available Measuring the performance of microfinance banks ensure that the banks create value for their various stakeholders. Achieving and sustaining superior business performance is important for organisations. The goal of this study is to assess microfinance banks in Nigeria using EFQM Excellence Model. The study adapts the EFQM self- assessment questionnaire for collecting data from 53 senior staff of selected Microfinance banks in Nigeria. In analyzing our data, Pearson correlation, ANOVA, and multiple regression techniques were used. The result shows that a significant positive association exists between the enablers (leadership, strategy, people, partnerships and resources, processes, products, and services and results (customer, people, society, and business criterion. More important, all the 4 hypotheses are supported. The authors suggest that a robust performance management system that integrates leadership, strategy, people, resources, processes, products, and services are important to achieve and sustain excellent results for various stakeholders.

  20. Higher Education for Development : An Evaluation of the World Bank Group’s Support

    OpenAIRE

    Independent Evaluation Group

    2017-01-01

    The World Bank Group’s twin goals have redefined the rationale for engagement across all sectors. Although the World Bank Group has never had an explicit strategy for higher education, institutional- and regional-level strategies and knowledge work anchor the World Bank’s engagement in supporting and promoting (i) greater access and equity, (ii) relevant and quality teaching and research, ...

  1. Epicoccum nigrum the new pathogen of sorghum seed in Serbia

    Directory of Open Access Journals (Sweden)

    Ristić Danijela

    2012-01-01

    Full Text Available Sixteen samples of sorghum seed (Sorghum bicolor (L. Moench. 'Alba', 'Gold', 'Prima' and 'Reform' were analyzed in the localities of Bački Petrovac and Čantavir in the period 2009-2011. Tipresence of species belonging to the genera Epicoccum, Fusarium, Alternaria, Aspergillus and Penicillium was established in single and mixed infections. From the infected sorghum seed, monosporial cultures identified as Epicoccum nigrum based on morphology, proved their pathogenicity on artificially inoculated sorghum seedlings. Molecular identification was performed by PCR and amplification of the ITS region of ribosomal DNA. Gene sequences of selected isolates 291-09 (JQ619838 and 315-09 (JQ619839 exhibited 99-100% nucleotide identity with the sequences of 31 isolates of E. nigrum deposited in the GenBank. It obtained results represent the first detailed characterization of E. nigrum in Serbia. The presence of a large number of phytopathogenic fungi on sorghum seed should be further investigated in order to clarify their relationships and relative significance.

  2. 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.

  3. Monitoring the Quality of Services in Electronic Banking

    Directory of Open Access Journals (Sweden)

    Jovovic Radislav

    2016-09-01

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

  4. A Genome-wide Combinatorial Strategy Dissects Complex Genetic Architecture of Seed Coat Color in Chickpea.

    Science.gov (United States)

    Bajaj, Deepak; Das, Shouvik; Upadhyaya, Hari D; Ranjan, Rajeev; Badoni, Saurabh; Kumar, Vinod; Tripathi, Shailesh; Gowda, C L Laxmipathi; Sharma, Shivali; Singh, Sube; Tyagi, Akhilesh K; Parida, Swarup K

    2015-01-01

    The study identified 9045 high-quality SNPs employing both genome-wide GBS- and candidate gene-based SNP genotyping assays in 172, including 93 cultivated (desi and kabuli) and 79 wild chickpea accessions. The GWAS in a structured population of 93 sequenced accessions detected 15 major genomic loci exhibiting significant association with seed coat color. Five seed color-associated major genomic loci underlying robust QTLs mapped on a high-density intra-specific genetic linkage map were validated by QTL mapping. The integration of association and QTL mapping with gene haplotype-specific LD mapping and transcript profiling identified novel allelic variants (non-synonymous SNPs) and haplotypes in a MATE secondary transporter gene regulating light/yellow brown and beige seed coat color differentiation in chickpea. The down-regulation and decreased transcript expression of beige seed coat color-associated MATE gene haplotype was correlated with reduced proanthocyanidins accumulation in the mature seed coats of beige than light/yellow brown seed colored desi and kabuli accessions for their coloration/pigmentation. This seed color-regulating MATE gene revealed strong purifying selection pressure primarily in LB/YB seed colored desi and wild Cicer reticulatum accessions compared with the BE seed colored kabuli accessions. The functionally relevant molecular tags identified have potential to decipher the complex transcriptional regulatory gene function of seed coat coloration and for understanding the selective sweep-based seed color trait evolutionary pattern in cultivated and wild accessions during chickpea domestication. The genome-wide integrated approach employed will expedite marker-assisted genetic enhancement for developing cultivars with desirable seed coat color types in chickpea.

  5. BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

    Directory of Open Access Journals (Sweden)

    Rahmatina A. Kasri

    2017-08-01

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

  6. Ecophysiology of seed germination in Digitaria insularis ((L.) Fedde)

    OpenAIRE

    Mendonça,Giovana Soares de; Martins,Cibele Chalita; Martins,Dagoberto; Costa,Neumárcio Vilanova da

    2014-01-01

    The invasive behaviour of sourgrass (Digitaria insularis) in cultivated areas is due to its strategy of aggressive regeneration, which is based on seed germination. Knowledge of the physiological ecology of this species can contribute to the development of management and control strategies. The aim of this research was to understand the effects of provenance, temperature and light on the germination of sourgrass seeds collected in the Brazilian state of São Paulo in the cities of Americana, B...

  7. Rational, emotional and spiritual marketing strategies in Shariah banking in Medan, Indonesia

    OpenAIRE

    Endang Sulistya Rini; Yeni Absah

    2017-01-01

    This study was aimed to discover the direct influences of rational, emotional, and spiritual marketing on satisfaction, trust, and loyalty of Shariah banking customers in Medan. This study was an associative research, which is a research connecting two variables or more to see the influence of one variable on another. This study was conducted by means of an exploratory approach. The population in this study was Shariah Banking customers in Medan. Total sample was 200 customers from 64 branche...

  8. 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…

  9. What about the multilateral banks?

    International Nuclear Information System (INIS)

    Planas Alexandra

    1998-02-01

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

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

    Directory of Open Access Journals (Sweden)

    Anthony Lukmawijaya

    2015-05-01

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

  11. Impact of accelerated plant growth on seed variety development

    Science.gov (United States)

    Christophersen, Eric

    1998-01-01

    The commercial lives of agricultural seed products have steadily declined in recent years. The introduction of genetically engineered crop seeds in 1966 has accentuated that trend. Widespread grower demand for genetically engineered seed requires competitive response by industry followers in order to avert market share losses to the industry leaders. Limitations on plant transformation technology, regulatory requirements and patent impediments require companies to rapidly convert transformed lines into elite commercial products. Massive multigenerational backcrossing efforts are required to distribute genetically engineered traits into a broad product mix. Significant incidents of expression failures, or ``gene silencing,'' have occurred unexpectedly, requiring product substitution strategies. First-to-market strategies, competitive response, broad germplasm conversion and rescue of product failures all share the element of urgency. Technologies which reliably accelerate product development rates can expect favorable reception by commercial seed developers. A growth chamber which dramatically accelerates the rate of plant growth is described.

  12. 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...

  13. E-BANKING- MODERN BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    MIRANDA PETRONELLA VLAD

    2009-05-01

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

  14. Impact of bank mergers on shareholders’ wealth

    Directory of Open Access Journals (Sweden)

    Odero Naor Juma

    2013-07-01

    Full Text Available Mergers and acquisitions (M&As perform a vital role in corporate finance in enabling firms achieve varied objectives and financial strategies. This study sought to comprehend the impacts that previous bank mergers have had on the shareholders’ wealth. The study location was in Kenya and it adopted the descriptive survey and correlation design in which the success of mergers was measured based on the objective oriented model using the annual accounts. The study computed the return on assets (ROA, return on equity (ROE and the efficiency ratio (EFF as indicators of shareholder value. The results of the commercial banks were analysed for a five-year period (2006-2010. The study reveals that mergers significantly influence shareholder value with banks that have undertaken mergers creating more value than those that have not. Such banks were ascertained to have posted better results than the overall sector.

  15. Danske Banks kommunikation gennem finanskrisen - et forsøg på imagegenoprettelse

    OpenAIRE

    Jørgensen, Steffie Hede

    2012-01-01

    Abstract The thesis in hand regards Danske Bank’s communication through the crisis. The crisis impacted Danske Bank at September the 15th 2008, which induced loss of liquidity. The bank was subsequently accused of composing inferior credit ratings and to be a greedy and harsh bank. It resulted in a historic decline of Danske Bank’s image. Consequently, this thesis seeks to answer following research question: How did Danske Bank communicate through the crisis and how suitable is their strategy...

  16. Internet Banking integration within the banking system

    Directory of Open Access Journals (Sweden)

    Constantin Marian MATEI

    2008-01-01

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

  17. A Behavioural Model of E-Banking Usage in Italy

    Directory of Open Access Journals (Sweden)

    Guendalina Capece

    2013-06-01

    Full Text Available E‐banking is defined as the automated delivery of new and traditional banking products and services directly to customers through electronic, interactive communication channels. “Pure online” banks are characterized by the absence of physical windows and front‐office personnel. Traditional banks are still integrating traditional distribution channels with online ones; the scenario is therefore still evolving over time. Despite the intrinsic potentialities, Italy is far from being a leader in the usage of innovative online instruments in the banking system and will struggle with new innovation waves. In this paper, we measure the potential effective ebanking usage. Furthermore, we investigate the behaviour of users and adopters, identifying the major causes influencing satisfaction and usage and the impact of these different causes on the intensity of utilization. The analysis is based on a panel of 495 real users, thus allowing the profiling of the Italian adopter to discover the causes of usage and outline strategies for the growth of e‐banking services in Italy.

  18. Pollen- and seed-mediated transgene flow in commercial cotton seed production fields.

    Directory of Open Access Journals (Sweden)

    Shannon Heuberger

    Full Text Available BACKGROUND: Characterizing the spatial patterns of gene flow from transgenic crops is challenging, making it difficult to design containment strategies for markets that regulate the adventitious presence of transgenes. Insecticidal Bacillus thuringiensis (Bt cotton is planted on millions of hectares annually and is a potential source of transgene flow. METHODOLOGY/PRINCIPAL FINDINGS: Here we monitored 15 non-Bt cotton (Gossypium hirsutum, L. seed production fields (some transgenic for herbicide resistance, some not for gene flow of the Bt cotton cry1Ac transgene. We investigated seed-mediated gene flow, which yields adventitious Bt cotton plants, and pollen-mediated gene flow, which generates outcrossed seeds. A spatially-explicit statistical analysis was used to quantify the effects of nearby Bt and non-Bt cotton fields at various spatial scales, along with the effects of pollinator abundance and adventitious Bt plants in fields, on pollen-mediated gene flow. Adventitious Bt cotton plants, resulting from seed bags and planting error, comprised over 15% of plants sampled from the edges of three seed production fields. In contrast, pollen-mediated gene flow affected less than 1% of the seed sampled from field edges. Variation in outcrossing was better explained by the area of Bt cotton fields within 750 m of the seed production fields than by the area of Bt cotton within larger or smaller spatial scales. Variation in outcrossing was also positively associated with the abundance of honey bees. CONCLUSIONS/SIGNIFICANCE: A comparison of statistical methods showed that our spatially-explicit analysis was more powerful for understanding the effects of surrounding fields than customary models based on distance. Given the low rates of pollen-mediated gene flow observed in this study, we conclude that careful planting and screening of seeds could be more important than field spacing for limiting gene flow.

  19. The world bank and the environment. Progress report

    International Nuclear Information System (INIS)

    1991-01-01

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

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

    African Journals Online (AJOL)

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

  1. Seed quality in informal seed systems

    NARCIS (Netherlands)

    Biemond, P.C.

    2013-01-01

    Keywords: informal seed systems, seed recycling, seed quality, germination, seed pathology, seed health, seed-borne diseases, mycotoxigenic fungi, Fusarium verticillioides, mycotoxins, Vigna unguiculata, Zea mays, Nigeria.

    Seed is a crucial input for agricultural production.

  2. An empirical study on empowering private bank workers using EFQM

    Directory of Open Access Journals (Sweden)

    Jafar Beikzad

    2012-01-01

    Full Text Available Empowering workers play an essential role on increasing productivity in any organization. The service industries such as insurance companies or banks mostly rely on their own people to retain their customers and incomes. The recent increasing trend on the number of private banks in Iran has increased competition among existing banks. The banking industry strives to empower its employees as much as possible in an attempt to maintain market share by not losing its customers. In this paper, we present an empirical study to detect the most important factors empowering bank employees. The study is implemented for a recently established private bank with 228 people with 32 questions where 15 questions are focused on empowering employees. The results are analyzed using statistical tests and descriptive methods. The results indicate that leadership, academic qualification, appropriate policy and strategy, cooperation and processes play important role on empowering and enabling bank's employee.

  3. ANALISIS KOMPARATIF DAN EKSPLORATIF TERHADAP KUALITAS PELAYANAN BANK SYARIAH DAN BANK KONVENSIONAL DI KOTA PEKALONGAN

    Directory of Open Access Journals (Sweden)

    Nalim Nalim

    2015-12-01

    Full Text Available Abstract: For the last ten years, the focus for sharia trading industry has shifted from emphasising on price to service quality. Some of the reasons for this are: the rise of banking industry rivalry, stable business environment, more challenges faces, modern technology and the increasing number of service provider systems. Additionally, within the global market, the service quality has become more prominent in surviving the banking industry. Furthermore, the service quality also influences customers' satisfactory level. For these reasons, I am interested in researching further about service quality in banking industry. This study aims at (1 finding out factors that influence customers' banking choice (sharia and conventional banks, finding out service index comparison between sharia and conventional banks, and finding out the service quality difference between sharia and conventional banks. The instrument used to compare the service quality was SERVQUAL. The data was descriptively analysed and comparatively analysed using T-test. Descriptive analysis was employed to find out the emerging patterns within the data while the T-test was utilised to analyse the correlation among variables in the questionnaire. The result of the study indicated that there were four components (tangibleness, assurance, reliability and empathy of the service quality which ranked the highest, scoring 3.69. The similar result of highest score of tangibleness, scoring 3.65, was also indicated for conventional bank. Additionally, the result of the study also indicated that sharia bank scored higher in terms of its quality on the point of 3.53, while conventional bank was on the point of 3.50. Abstrak: Sejak sepuluh tahun terakhir, fokus strategis layanan industri ritel perbankan telah mengalami pergeseran dari harga (price menuju kepada kualitas pelayanan (service quality. Alasannya adalah karena munculnya persaingan, tantangan yang berat, lingkungan bisnis yang stabil

  4. Seed longevity of Eragrostis plana Nees buried in natural grassland soil

    Directory of Open Access Journals (Sweden)

    Renato Borges de Medeiros

    2014-11-01

    Full Text Available The objective of this research was to evaluate the seed longevity of Eragrostis plana Nees buried at different soil depths, in a natural-grassland area in the Pampa biome (46 m altitude, 30º05´S and 51º40´W of Rio Grande do Sul State, Brazil. The experimental design was a split-plot type in complete blocks with two factors: seeds buried at five different depth levels (soil surface and 2.5, 5, 10 and 20 cm and seven exhumation dates. The blocks were allocated in natural grassland grazed by cattle, allocated in a 12-m-long transection. Fifty-four permeable nylon bags filled with 100 seeds in each division, with five vertical divisions, were buried in each row. Seven exhumation dates were used: the first on October 14, 2003 and the last on January 14, 2006. The percentage of viable seeds of E. plana, collected at seven exhumation times and set at different depths in the soil horizon, were described by simple negative exponential equations. Based on the model, the percentage of viable seeds collected at the five depths, (soil surface and 2.5, 5, 10, and 20 cm, after 2.5 years of burial, were 0.1, 0.5, 1.0, 7.4 and 22.1%, respectively. Increase in depth is directly associated with physical and physiological seed integrity of E. plana. Negative simple exponential equations can be used to predict seed longevity of E. plana buried in nylon bags. This invader species accumulates soil seed-bank of high longevity.

  5. Comparison between the European Central Bank as a New Monetary Experiment and other Major - Central Banks - US Federal Reserve and Bank of Japan

    Directory of Open Access Journals (Sweden)

    Tache I.

    2014-12-01

    Full Text Available Our goal is to make a survey of three major central banks practices and to emphasize both the different national characteristics and the similarities derived from the global changes of financial environment. Using a descriptive methodology, the comparison will concern the central banks’ goals, the institutional and organizational structures, strategies and tools of monetary policy

  6. 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...

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

    Directory of Open Access Journals (Sweden)

    Aditya Wardhana

    2015-09-01

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

  8. Desmanthus GENOTYPES

    Directory of Open Access Journals (Sweden)

    JOSÉ HENRIQUE DE ALBUQUERQUE RANGEL

    2015-01-01

    Full Text Available Desmanthus is a genus of forage legumes with potential to improve pastures and livestock produc-tion on clay soils of dry tropical and subtropical regions such as the existing in Brazil and Australia. Despite this patterns of natural or enforced after-ripening of Desmanthus seeds have not been well established. Four year old seed banks of nine Desmanthus genotypes at James Cook University were accessed for their patterns of seed softe-ning in response to a range of temperatures. Persistent seed banks were found to exist under all of the studied ge-notypes. The largest seeds banks were found in the genotypes CPI 78373 and CPI 78382 and the smallest in the genotypes CPI’s 37143, 67643, and 83563. An increase in the percentage of softened seeds was correlated with higher temperatures, in two patterns of response: in some accessions seeds were not significantly affected by tempe-ratures below 80º C; and in others, seeds become soft when temperature rose to as little as 60 ºC. At 80 °C the heat started to depress germination. High seed production of Desmanthus associated with dependence of seeds on eleva-ted temperatures to softening can be a very important strategy for plants to survive in dry tropical regions.

  9. Role of Foreign Banks in Integration of Banking Industry

    Directory of Open Access Journals (Sweden)

    Roman Šubić

    2009-12-01

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

  10. Photovoltaic technology: World Bank's attitude and activities

    Energy Technology Data Exchange (ETDEWEB)

    Mitwally, E M

    1982-08-01

    Several major problems stand in the way of the implementation of solar cells in developing countries; these are discussed first and relate to the following: (I) technology; (II) national strategy; (III) required capital. Next, the possible role of the World Bank is discussed. Although there is a strong commitment to the development of renewable energy sources, it is pointed out that the World Bank rates the direct solar technologies far behind biomass conversion. This results from the relatively high cost of solar cells. Nevertheless, there are several Bank-financed projects which are being carried out to enable the Bank to decide for itself the true state of the art. In view of the results obtained, it is believed that this was an appropriate course of action. It is concluded that a combination of efforts from the manufacturers and from the funding organizations is necessary if the Third World market for photovoltaics is to expand to its potential size.

  11. 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...

  12. Obtainment of sugarcane (Saccharum spp. hybrid biotechnological seed of high genetic and phytosanitary quality in Ecuador

    Directory of Open Access Journals (Sweden)

    Miguel M. Ramos-Leal

    2015-01-01

    Full Text Available Methods for obtaining healthy plants are mainly based on the combined use of meristem in vitro culture and hydrothermotherapy. This work was carried out in order to obtain free- pathogen plants for using as seeds, emphasizing ratoon stunting disease (RSD of sugarcane. The work was performed using a group of sugarcane cultivars, which was confirmed the variety identification by means of peroxidases isozymes electrophoretic patterns. Plant sanitation was performed in three successive steps by means of hydrothermal treatment at 52 oC during 2h and using the fungicide vitavax, a second hydrothermal treatment at 51 °C during 10 min to the meristem and a third step in which vitroplantlets were propagated in presence of the antibiotic gentamicin. RSD detection was done by using the staining transpiration methods (STM of functional bundles. Results allowed the creation of a germoplasm bank of sugarcane plants free of the most important systemic bacterial pathogens, with high genetic quality, which provided basic seed of excellent quality for establishing seedlings. Conservation included an in vitro-plantlets bank and the creation of a "DNA bank" which allows preserving the genetic fond in laboratory conditions. Finally a methodology for obtaining free-pathogens plants from buds and meristems is included.

  13. KEPUASAN NASABAH TERHADAP BANK DAN DANA PIHAK KETIGA UNIT USAHA SYARIAH BNI

    Directory of Open Access Journals (Sweden)

    Is Eka Herawati

    2013-03-01

    Full Text Available Development of Islamic syariah banking industry still has its drawback, some of it were peoples understanding on the bank operational, narrow network, and limited skilled of human resources on syariah bank. The development of syariah bank depends on its ability to deliver excellent services to people who need product and service of Islamic syariah bank. One measure of excellent service and product is customer satisfaction. The result of this study showed that the reason in choosing BNI Syariah was not only religious factor but its quality of service which should be improved. In general, UUS BNI performance in all attributes of bank and deposit fund product have not satisfied its customers because there were still discrepancies between their actual and expected services. The most importance bank attributes according to the respondents were strategic location, branches network, credibility, professionalism, syariah ideology and hospitality. The most importance deposit fund product attributes according to the respondens were security of fund, convenience procedure of fund withdrawal, profit and loss sharing principle and technology. According to the results there were 4 (four options of marketing strategies recommended to UUS BNI in order to be more competitive in the market. Firstly, UUS BNI has to be able to create image as Islamic and professional banking. Secondly, UUS BNI has to develop market through additional of branches. Thirdly, UUS BNI has to improve its technology by adding features on ATM technology. Fourthly, UUS BNI has to offer more attractive profit sharing. Perkembangan perbankan syariah masih memiliki banyak hambatan, antara lain pemahaman atas operasional bank syariah, jumlah jaringan bank syariah dan keahlian sumber daya manusia dibidang bank syariah. Perkembangan perbankan syariah yang baik tergantung dari kemampuan memberikan produk dan jasa yang baik kepada nasabah. Satu ukuran tentang pemberian produk dan jasa yang baik

  14. Control Strategy Scenarios for the Alien Lionfish Pterois volitans in Chinchorro Bank (Mexican Caribbean): Based on Semi-Quantitative Loop Analysis.

    Science.gov (United States)

    Ortiz, Marco; Rodriguez-Zaragoza, Fabián; Hermosillo-Nuñez, Brenda; Jordán, Ferenc

    2015-01-01

    Ecological and eco-social network models were constructed with different levels of complexity in order to represent and evaluate management strategies for controlling the alien species Pterois volitans in Chinchorro bank (Mexican Caribbean). Levins´s loop analysis was used as a methodological framework for assessing the local stability (considered as a component of sustainability) of the modeled management interventions represented by various scenarios. The results provided by models of different complexity (models 1 through 4) showed that a reduction of coral species cover would drive the system to unstable states. In the absence of the alien lionfish, the simultaneous fishing of large benthic epifaunal species, adult herbivorous fish and adult carnivorous fish could be sustainable only if the coral species present high levels of cover (models 2 and 3). Once the lionfish is added to the simulations (models 4 and 5), the analysis suggests that although the exploitation or removal of lionfish from shallow waters may be locally stable, it remains necessary to implement additional and concurrent human interventions that increase the holistic sustainability of the control strategy. The supplementary interventions would require the implementation of programs for: (1) the restoration of corals for increasing their cover, (2) the exploitation or removal of lionfish from deeper waters (decreasing the chance of source/sink meta-population dynamics) and (3) the implementation of bans and re-stocking programs for carnivorous fishes (such as grouper) that increase the predation and competition pressure on lionfish (i.e. biological control). An effective control management for the alien lionfish at Chinchorro bank should not be optimized for a single action plan: instead, we should investigate the concurrent implementation of multiple strategies.

  15. Control Strategy Scenarios for the Alien Lionfish Pterois volitans in Chinchorro Bank (Mexican Caribbean: Based on Semi-Quantitative Loop Analysis.

    Directory of Open Access Journals (Sweden)

    Marco Ortiz

    Full Text Available Ecological and eco-social network models were constructed with different levels of complexity in order to represent and evaluate management strategies for controlling the alien species Pterois volitans in Chinchorro bank (Mexican Caribbean. Levins´s loop analysis was used as a methodological framework for assessing the local stability (considered as a component of sustainability of the modeled management interventions represented by various scenarios. The results provided by models of different complexity (models 1 through 4 showed that a reduction of coral species cover would drive the system to unstable states. In the absence of the alien lionfish, the simultaneous fishing of large benthic epifaunal species, adult herbivorous fish and adult carnivorous fish could be sustainable only if the coral species present high levels of cover (models 2 and 3. Once the lionfish is added to the simulations (models 4 and 5, the analysis suggests that although the exploitation or removal of lionfish from shallow waters may be locally stable, it remains necessary to implement additional and concurrent human interventions that increase the holistic sustainability of the control strategy. The supplementary interventions would require the implementation of programs for: (1 the restoration of corals for increasing their cover, (2 the exploitation or removal of lionfish from deeper waters (decreasing the chance of source/sink meta-population dynamics and (3 the implementation of bans and re-stocking programs for carnivorous fishes (such as grouper that increase the predation and competition pressure on lionfish (i.e. biological control. An effective control management for the alien lionfish at Chinchorro bank should not be optimized for a single action plan: instead, we should investigate the concurrent implementation of multiple strategies.

  16. GREEN BANKING IN INDIA: AN EMPIRICAL STUDY OF COMMERCIAL BANKS

    OpenAIRE

    Shikha Agrawal

    2014-01-01

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

  17. Relationship Marketing Stage of Development in Romanian Banking Industry

    Directory of Open Access Journals (Sweden)

    Alina Filip

    2016-02-01

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

  18. Banking Audit - Towards a Higher Degree of Harmonization

    Directory of Open Access Journals (Sweden)

    Adela Socol

    2016-11-01

    Full Text Available In the last decade, the role and nature of the statutory audit of credit institutions have became controversial, on the base of reconsidering the importance of audit of credit institutions in prevention, detection and managing of the financial crisis. The aim of the study is critical analysis of key aspects regarding the contemporary banking audit, with an emphasis on aspects that affect the quality of banking audit (normative, procedural and organisational aspects of banking audit, the “auditable” character of some banking elements etc. and on the tipology of audit reports of credit institutions (Audit Report to the General Meeting of Shareholders, Additional Report to the Audit Committee of the credit institution, Reports to banking supervisors and Transparency report of auditor. The paper analyses for 27 European states the way in which banking auditors report on the conformity of the credit institution with organisational regulatory rules, regulatory requirements, financial reports to supervisors or special reports to supervisors. The conclusions bring to the foreground major normative changes in the area of the European credit institutions, through reforming strategies of banking audit, through a gradual and an inscreasingly restrictive progress of audit activities and of independence requirements, rotation of auditors, reporting and transparency of credit institutions.

  19. 12 CFR 7.5001 - Electronic activities that are part of, or incidental to, the business of banking.

    Science.gov (United States)

    2010-01-01

    ... light of risks presented, innovations, strategies, techniques and new technologies for producing and... incidental to, the business of banking. 7.5001 Section 7.5001 Banks and Banking COMPTROLLER OF THE CURRENCY... activities that are part of, or incidental to, the business of banking. (a) Purpose. This section identifies...

  20. Basic interest rate, bank competition and bank spread in personal credit operations in Brazil: A theoretical and empirical analysis

    Directory of Open Access Journals (Sweden)

    Guilherme Jonas Costa da Silva

    2015-01-01

    Full Text Available The debate on the strategy of banking spread reduction in Brazil has been extended for a long time and was fundamentally concentrated in macroeconomics aspects. This paper has the goal of evaluate the new policy of banking spread reduction implemented by the federal government, which has added microeconomic aspects to this tendency. In order to do so, a mathematical model was presented that combines microeconomics aspects, such as was developed by Nakane (2001, with macroeconomics aspects, originally presented by Ho and Saunders (1981. This model was tested for the 25 largest banks in the period of March 2009 to March 2013, using the Panel Data Methodology. The GMM System model was the one that best fitted the data gathered and the results showed that both aspects are relevant in explaining the banking spread in Brazil, and should not be analyzed separately, as is frequently made in the literature, considering the econometric problems related to the omission bias of relevant variables.

  1. 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...

  2. Concerning the preliminary results of space experiment with the seeds of rare plants (on the boad of BION-M No.1)

    Science.gov (United States)

    Gorelov, Yury; Kurganskaya, Lubov; Ilyin, Vyacheslav; Ruzaeva, Irina; Rozno, Svetlana; Kavelenova, Ludmila

    The problem of native flora plants conservation appears today as one of the most actual for humanity. The wide spreading natural ecosystems degradation results in the status changes for formerly common species to rare, endangered or extincted ones. That is why the complex of biological diversity conservation measures must be used including ex situ and in situ forms. Last years the seed banks (special seed collections in controlled conditions, including temperature below zero) and field banks (special alive plants collections) were created in many countries taking in mind the future of humanity. The seed banks as long-term depositories can be placed on the space stations where the threat of earth catastrophes is removed. But we must make it clear how the complex of space flight factors effects upon the seed quality and germination and plants development from “cosmic” seeds. For instance, the action of residual ionizing radiation into space apparatus on plant seeds can alter its vitality maybe by the growth of free radicals pool in molecular and subcellular level. The unknown level of such action permits us to propose wide diapason of effects from the absence of any changes to the stimulation of vital activity, decrease of it, mutagenesis and maybe the death of seeds. Only the experiments that begin in space and continue on the Earth can show us the effect of space flight factors complex on plant seeds. Here we describe the first results of experiment held on the board of space apparatus “Bion-M” No1. Totally 79 experiments were included to the program of “Bion-M”, among them the experiment “Biocont-BS”. The equipment for it was prepared by Central Scientific Research Institute of Machine-building; the seed material was selected and prepared by the Botanical Garden of Samara State University. The equipment with seeds was into space apparatus, which working orbit was average 575 km and the flight lasted for 30 days. The seed samples of 9 rare plants

  3. DNA damage checkpoint kinase ATM regulates germination and maintains genome stability in seeds.

    Science.gov (United States)

    Waterworth, Wanda M; Footitt, Steven; Bray, Clifford M; Finch-Savage, William E; West, Christopher E

    2016-08-23

    Genome integrity is crucial for cellular survival and the faithful transmission of genetic information. The eukaryotic cellular response to DNA damage is orchestrated by the DNA damage checkpoint kinases ATAXIA TELANGIECTASIA MUTATED (ATM) and ATM AND RAD3-RELATED (ATR). Here we identify important physiological roles for these sensor kinases in control of seed germination. We demonstrate that double-strand breaks (DSBs) are rate-limiting for germination. We identify that desiccation tolerant seeds exhibit a striking transcriptional DSB damage response during germination, indicative of high levels of genotoxic stress, which is induced following maturation drying and quiescence. Mutant atr and atm seeds are highly resistant to aging, establishing ATM and ATR as determinants of seed viability. In response to aging, ATM delays germination, whereas atm mutant seeds germinate with extensive chromosomal abnormalities. This identifies ATM as a major factor that controls germination in aged seeds, integrating progression through germination with surveillance of genome integrity. Mechanistically, ATM functions through control of DNA replication in imbibing seeds. ATM signaling is mediated by transcriptional control of the cell cycle inhibitor SIAMESE-RELATED 5, an essential factor required for the aging-induced delay to germination. In the soil seed bank, seeds exhibit increased transcript levels of ATM and ATR, with changes in dormancy and germination potential modulated by environmental signals, including temperature and soil moisture. Collectively, our findings reveal physiological functions for these sensor kinases in linking genome integrity to germination, thereby influencing seed quality, crucial for plant survival in the natural environment and sustainable crop production.

  4. THE CRUCIAL ROLE OF CENTRAL BANK TRANSPARENCY IN ASSESSING THE MONETARY POLICY COMMITTEE MECHANISM

    Directory of Open Access Journals (Sweden)

    Dumiter Florin Cornel

    2012-12-01

    Full Text Available In the past, central banks used to be very reserved regarding their activities, strategies and monetary policy decisions and actions. As central banks become more and more independent, transparency gained importance based upon accountability arguments. An important fact for adopting an increasing central bank transparency lies in its importance of influencing the development of expectations. The concept of central bank transparency has emerged in the economic literature relatively later than some other key concepts. The widespread agreement of an inflation targeting regime and a more transparent central bank is desired by the most central banks around the world in the context of the need of the public disclosure of macroeconomic models, the quarterly time series for indicators like: inflation, output, budgetary deficit, public debt, interest rate, inflation expectations, the public announcement of the monetary policy decisions, objectives and targets, the publication of some key monetary tools like: inflation report, financial stability report, monetary policy committee report, annual report. These are all key issues in the construction of a more transparent and independent central bank in the context of a good global governance. Moreover, for the fruitful success of the central bank, latum sensu, and monetary policy, stricto sensu, it must be encompassed a complex monetary policy committee mechanism. This complex mechanism must by edowed with the collegial approach of the monetary policy committee, structure of the voting mechanism within the committee, the importance of the person which announces the changes within the interest rates and the public disclosure of these information’s enriched in a communication strategy. This communication strategy is very important for assessing and public understanding of the central bank’s actions but also for communicating the objectives, targets and forward looking approaches of the monetary

  5. Seed regulations and local seed systems

    NARCIS (Netherlands)

    Louwaars, N.

    2000-01-01

    Seed regulations have been introduced in most countries based on the development of formal seed production. Concerns about seed quality and about the varietal identity of the seeds have commonly led to seed laws. However, formal regulations are often inappropriate for informal seed systems, which

  6. A review of human milk banking and public health policy in Australia.

    Science.gov (United States)

    Lording, Roslyn J

    2006-11-01

    Breastmilk is the perfect food for human infants. It is markedly different from, and uniquely superior to, artificial baby milk. Human milk banks are services which collect, screen, process and distribute donated breastmilk. Recipients are generally ill and premature infants whose mothers are unable to breastfeed them. This review of human milk banking in Australian public health policy draws from local and international research. This history of human milk banking and contemporary Australian policies, pertaining to breastfeeding and milk banking, are examined. Human milk banking is noted to be largely invisible from national breastfeeding policies. The barriers to establishing human milk banks in the Australian context are explored. Strategies which have helped generate support for human milk banking are discussed. International research has demonstrated the cost-effectiveness of banked donor milk. It is time for human milk banking to become an integral component of Australian breastfeeding policies, viewed as one of several initiatives to protect and support breastfeeding.

  7. Regional Banks in the Russian Banking System

    Directory of Open Access Journals (Sweden)

    Mikhail Vitalyevich Leonov

    2015-06-01

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

  8. Mobile banking: New trend in the contemporary banking sector

    Directory of Open Access Journals (Sweden)

    Sanader Dušica

    2014-01-01

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

  9. Dividend Performance in the United Arab Emirates Banking Sector

    Directory of Open Access Journals (Sweden)

    Mukdad Ibrahim

    2016-10-01

    Full Text Available The purpose of this study was to analyze the dividend performance of eight UAE based banks between the years 2001 and 2005. The analysis was undertaken by examining three sets of financial ratios that are routinely used to measure bank dividend performance. The main ratios that were employed put a particular focus on the banks’ ability to pay dividends in relation to market value of its share, earnings and ability to cover the payments. Descriptive statistical analysis was used to rank the performance, measuring the dispersion and the stability-variability of the indicators. Conclusions were then drawn from the computation of the descriptive analysis of ratios that allowed the author to make an effective comparison of said banks. This type of analysis was used to summarize the performance of each bank based on three criteria, mean, standard deviation and coefficient of variation of each banks performance. The findings showed that eight banks performed reasonably well during the period studied, but have different strategies in paying their dividends across the years under study. The analysis reveals that these banks have been affected by both internal and external factors.

  10. Mengembangkan Human Resource Management yang Strategis untuk Menunjang Daya Saing Organisasi: Perspektif Manajemen Kinerja (Performance Management di Bank Syariah

    Directory of Open Access Journals (Sweden)

    Ahmad Azmy

    2015-05-01

    Full Text Available This article discusses performance management in sharia banks related to human resources. The method used is descriptive in providing a comprehensive explanation based on factual data. Performance management in sharia banks should be applied based on the characteristics of human resources by sharia. The characteristics of the human resources required by sharia banks are different from conventional banks. Human resources in sharia banks should have different performance indicators to conventional banks. Performance indicators serve as a guide in the process of implementing sustainability performance as an effort of sharia banking in the banking industry in Indonesia.

  11. 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.

  12. Ectomycorrhizal fungal spore bank recovery after a severe forest fire: some like it hot.

    Science.gov (United States)

    Glassman, Sydney I; Levine, Carrie R; DiRocco, Angela M; Battles, John J; Bruns, Thomas D

    2016-05-01

    After severe wildfires, pine recovery depends on ectomycorrhizal (ECM) fungal spores surviving and serving as partners for regenerating forest trees. We took advantage of a large, severe natural forest fire that burned our long-term study plots to test the response of ECM fungi to fire. We sampled the ECM spore bank using pine seedling bioassays and high-throughput sequencing before and after the California Rim Fire. We found that ECM spore bank fungi survived the fire and dominated the colonization of in situ and bioassay seedlings, but there were specific fire adapted fungi such as Rhizopogon olivaceotinctus that increased in abundance after the fire. The frequency of ECM fungal species colonizing pre-fire bioassay seedlings, post-fire bioassay seedlings and in situ seedlings were strongly positively correlated. However, fire reduced the ECM spore bank richness by eliminating some of the rare species, and the density of the spore bank was reduced as evidenced by a larger number of soil samples that yielded uncolonized seedlings. Our results show that although there is a reduction in ECM inoculum, the ECM spore bank community largely remains intact, even after a high-intensity fire. We used advanced techniques for data quality control with Illumina and found consistent results among varying methods. Furthermore, simple greenhouse bioassays can be used to determine which fungi will colonize after fires. Similar to plant seed banks, a specific suite of ruderal, spore bank fungi take advantage of open niche space after fires.

  13. Seed dormancy and germination of Halophila ovalis mediated by simulated seasonal temperature changes

    Science.gov (United States)

    Statton, John; Sellers, Robert; Dixon, Kingsley W.; Kilminster, Kieryn; Merritt, David J.; Kendrick, Gary A.

    2017-11-01

    The seagrass, Halophila ovalis plays an important ecological and sediment stability role in estuarine systems in Australia with the species in decline in many sites. Halophila ovalis is a facultative annual, relying mainly on recruitment from the sediment seed bank for the annual regeneration of meadows. Despite this, there is little understanding of seed dormancy releasing mechanisms and germination cues. Using H. ovalis seed from the warm temperate Swan River Estuary in Western Australia, the germination ecology of H. ovalis was investigated by simulating the natural seasonal variation in water temperatures. The proportion of germinating seeds was found to be significantly different among temperature treatments (p < 0.001). The treatment with the longest period of cold exposure at 15 °C followed by an increase in temperature to 20-25 °C (i.e. cold stratification) had the highest final mean germination of 32% and the fastest germination rate. Seeds exposed to constant mean winter temperatures of 15 °C had the slowest germination rate with less than two seeds germinating over 118 days. Thus temperature is a key germination cue for H. ovalis seeds and these data infer that cold stratification is an important dormancy releasing mechanism. This finding has implications for recruitment in facultative annual species like H. ovalis under global warming since the trend for increasing water temperatures in the region may limit seed-based recruitment in the future.

  14. Money supply growth and inflation – the monetary policy strategy of the European Central Bank

    Directory of Open Access Journals (Sweden)

    Svatopluk Kapounek

    2007-01-01

    Full Text Available The main aim of this article is to find out whether there is a significant relationship between money supply growth and inflation in the Eurozone. For this reason, the monetary policy strategy of the European Central Bank (ECB has been evaluated. Since the establishment of the ECB in January 1999 to May 2003 the ECB‘s monetary policy strategy consisted of three main elements: a quantitative definition of price stability, a prominent role for money in the assessment of risks to price stability (aggregate M3 as a reference value, and a broadly based assessment of the outlook for price developments. Nevertheless, since May 2003 M3 or any other monetary aggregate has lost its prominent role in the ECB‘s strategy. Therefore the nowadays ECB‘s monetary policy strategy consists of a quantitative definition of the primary objective of price stability and an analytical framework based on two pillars – economic analysis and monetary analysis. These two pillars are used by the ECB‘s Governing Council in the overall assessment of risks to price stability and in monetary policy decisions.The empirical part of this article is based on time series correlation between money supply growth and inflation in selected member countries of the Economic and Monetary Union (EMU - Eurozone during the period 1995–2005. The time series are divided into two parts. The first part covers data for selected member countries of the European Union from 1995 till 1998, i.e. before the establishment of the EMU. Whereas the second part includes data for the whole Eurozone since its official start in 1999 to 2005. The time series are adjusted by SARIMA models.

  15. European banks in Ukraine: Modelling risks, rewards and making forecasts

    Directory of Open Access Journals (Sweden)

    Helen Kostyuk

    2014-12-01

    Full Text Available The new model for banking control and regulation, suggested by Basel III, together with high dividend expectations of shareholders have fostered the transformation of the business model in European banking. The scale of market shares no longer plays an important role in banking business. The emphasis is now laid on its efficiency. It is determined by ROE indicators, the positive dynamics of which serves as: a good indicator for ensuring a proper level of capital adequacy of the bank and reducing systemic risks; a precondition for meeting the dividend expectations of shareholders; evidence of effective management of capital assets and bank costs. Thus, assessing and preventing the outflow of foreign capital from the national banking sector, the national market regulators should clearly understand the motivation behind it and take into account the business strategies of parent European banks, which include the following points: low liquidity of the stock market of the Eurozone, which significantly complicates the process of capitalization of European banking institutions, and inability to attract capital in sufficient amounts; potential opportunity for capitalization of banks (to meet the requirements of Basel III in the context of bank management and shareholders relations (improvement of profit management policy and dividend policy; optimization of asset management policy in order to reduce RWA assets in the assets of both parent and subsidiary banks

  16. Investigating the effects of strategic positioning for development of modern banking services

    Directory of Open Access Journals (Sweden)

    Vahid Anvar Keivi

    2014-05-01

    Full Text Available During the past few years, there have been tremendous changes on banking services and many bank customers are able to do their daily banking activities using recent advances of technology such as internet banking, telephone banking, etc. In this paper, we present an empirical investigation on the effects of strategic positioning for development of modern banking services. The proposed study designs a questionnaire in Likert scale and distributes it among some 385 randomly selected people who live in Tehran in 2013. The questionnaire consists of seven factors including property positioning, advantage positioning, consumer positioning, user positioning, competitive advantage positioning, quality positioning and merchandise category positioning. Using Spearman correlation as well as stepwise regression technique, the study has determined positive and meaningful relationships between different components of strategy positioning development of modern banking services.

  17. BRAND AS A SOURCE OF COMPETITIVE BANKS IN POLAND

    Directory of Open Access Journals (Sweden)

    Justyna Rutecka

    2016-06-01

    Full Text Available Competition companies enterprises in every sector of the economy. In the age of twenty-first century all parties compete with each other for recognition and trust of cus-tomers. It is a tough challenge especially in the banking services sector. These institutions are not able to stand out in the market offer, because this is similar to competitors. High barriers to entry and a large number of entities that provide services similar to banks threaten these organizations. Currently on the market of banking services is proving to be an important brand. Distinguishing itself from the competition image and brand loyalty is a source of advantage for Polish banks. The building of a strong brand plays an important role such factors as internal communication-on company, advertising, business processes, quality, relations with investors and customers. Its construction is a challenge for many banks, because around it must focus on the whole strategy of the company.

  18. Coping With Job Stress in the Banking Sector: A Study of Guaranty ...

    African Journals Online (AJOL)

    Job stress has adverse effects on both organizations and employees. Previous studies examining the causes of job stress paid little attention to stress management and coping strategies, especially in the banking sector. This study therefore aimed to determine the various ways employees in the banking sector could cope ...

  19. Polyphenol Oxidase as a Biochemical Seed Defense Mechanism

    Directory of Open Access Journals (Sweden)

    E. Patrick Fuerst

    2014-12-01

    Full Text Available Seed dormancy and resistance to decay are fundamental survival strategies, which allow a population of seeds to germinate over long periods of time. Seeds have physical, chemical, and biological defense mechanisms that protect their food reserves from decay-inducing organisms and herbivores. Here, we hypothesize that seeds also possess enzyme-based biochemical defenses, based on induction of the plant defense enzyme, polyphenol oxidase (PPO, when wild oat (Avena fatua L. caryopses and seeds were challenged with seed-decaying Fusarium fungi. These studies suggest that dormant seeds are capable of mounting a defense response to pathogens. The pathogen-induced PPO activity from wild oat was attributed to a soluble isoform of the enzyme that appeared to result, at least in part, from proteolytic activation of a latent PPO isoform. PPO activity was also induced in wild oat hulls (lemma and palea, non-living tissues that cover and protect the caryopsis. These results are consistent with the hypothesis that seeds possess inducible enzyme-based biochemical defenses arrayed on the exterior of seeds and these defenses represent a fundamental mechanism of seed survival and longevity in the soil. Enzyme-based biochemical defenses may have broader implications since they may apply to other defense enzymes as well as to a diversity of plant species and ecosystems.

  20. Fuzzy Approach in Ranking of Banks according to Financial Performances

    Directory of Open Access Journals (Sweden)

    Milena Jakšić

    2016-01-01

    Full Text Available Evaluating bank performance on a yearly basis and making comparison among banks in certain time intervals provide an insight into general financial state of banks and their relative position with respect to the environment (creditors, investors, and stakeholders. The aim of this study is to propose a new fuzzy multicriteria model to evaluate banks respecting relative importance of financial performances and their values. The relative importance of each pair of financial performance groups is assessed linguistic expressions which are modeled by triangular fuzzy numbers. Fuzzy Analytic Hierarchical Process (FAHP is applied to determine relative weights of the financial performances. In order to rank the treated banks, new model based on Fuzzy Technique for Order Performance by Similarity to Ideal Solution (FTOPSIS is deployed. The proposed model is illustrated by an example giving real life data from 12 banks having 80% share of the Serbian market. In order to verify the proposed FTOPSIS different measures of separation are used. The presented solution enables the ranking of banks, gives an insight of bank’s state to stakeholders, and provides base for successful improvement in a field of strategy quality in bank business.

  1. SeedVicious: Analysis of microRNA target and near-target sites.

    Science.gov (United States)

    Marco, Antonio

    2018-01-01

    Here I describe seedVicious, a versatile microRNA target site prediction software that can be easily fitted into annotation pipelines and run over custom datasets. SeedVicious finds microRNA canonical sites plus other, less efficient, target sites. Among other novel features, seedVicious can compute evolutionary gains/losses of target sites using maximum parsimony, and also detect near-target sites, which have one nucleotide different from a canonical site. Near-target sites are important to study population variation in microRNA regulation. Some analyses suggest that near-target sites may also be functional sites, although there is no conclusive evidence for that, and they may actually be target alleles segregating in a population. SeedVicious does not aim to outperform but to complement existing microRNA prediction tools. For instance, the precision of TargetScan is almost doubled (from 11% to ~20%) when we filter predictions by the distance between target sites using this program. Interestingly, two adjacent canonical target sites are more likely to be present in bona fide target transcripts than pairs of target sites at slightly longer distances. The software is written in Perl and runs on 64-bit Unix computers (Linux and MacOS X). Users with no computing experience can also run the program in a dedicated web-server by uploading custom data, or browse pre-computed predictions. SeedVicious and its associated web-server and database (SeedBank) are distributed under the GPL/GNU license.

  2. Numerical Investigation of PLIF Gas Seeding for Hypersonic Boundary Layer Flows

    Science.gov (United States)

    Johanson, Craig T.; Danehy, Paul M.

    2012-01-01

    Numerical simulations of gas-seeding strategies required for planar laser-induced fluorescence (PLIF) in a Mach 10 air flow were performed. The work was performed to understand and quantify adverse effects associated with gas seeding and to compare different flow rates and different types of seed gas. The gas was injected through a slot near the leading edge of a flat plate wedge model used in NASA Langley Research Center's 31- Inch Mach 10 Air Tunnel facility. Nitric oxide, krypton, and iodine gases were simulated at various injection rates. Simulation results showing the deflection of the velocity field for each of the cases are presented. Streamwise distributions of velocity and concentration boundary layer thicknesses as well as vertical distributions of velocity, temperature, and mass distributions are presented for each of the cases. Relative merits of the different seeding strategies are discussed.

  3. A Study of EDI, Processes, Operations and How Employees are Motivated at a Kenyan Bank

    OpenAIRE

    Fazal, Waheed Sultanali Muradali

    2009-01-01

    According to Brabston, L. and Porter, (2004) Information system (IS) and business strategy are essential facets in any organization particularly a bank, we are interested in this sector because it is a major component in Kenya‟s growing economy and so far hardly any research has been done on the efficiency of a Kenyan banks. This dissertation concentrates on a small service enterprise and how IS/IT as well as work motivation strategy can influence the business strategy; we also study how the ...

  4. Cell banking for regulatory T cell-based therapy: strategies to overcome the impact of cryopreservation on the Treg viability and phenotype.

    Science.gov (United States)

    Gołąb, Karolina; Grose, Randall; Placencia, Veronica; Wickrema, Amittha; Solomina, Julia; Tibudan, Martin; Konsur, Evelyn; Ciepły, Kamil; Marek-Trzonkowska, Natalia; Trzonkowski, Piotr; Millis, J Michael; Fung, John; Witkowski, Piotr

    2018-02-09

    The first clinical trials with adoptive Treg therapy have shown safety and potential efficacy. Feasibility of such therapy could be improved if cells are cryopreserved and stored until optimal timing for infusion. Herein, we report the evaluation of two cell-banking strategies for Treg therapy: 1) cryopreservation of CD4 + cells for subsequent Treg isolation/expansion and 2) cryopreservation of ex-vivo expanded Tregs (CD4 + CD25 hi CD127 lo/- cells). First, we checked how cryopreservation affects cell viability and Treg markers expression. Then, we performed Treg isolation/expansion with the final products release testing. We observed substantial decrease in cell number recovery after thawing and overnight culture. This observation might be explained by the high percentage of necrotic and apoptotic cells found just after thawing. Furthermore, we noticed fluctuations in percentage of CD4 + CD25 hi CD127 - and CD4 + FoxP3 + cells obtained from cryopreserved CD4 + as well as Treg cells. However, after re-stimulation Tregs expanded well, presented a stable phenotype and fulfilled the release criteria at the end of expansions. Cryopreservation of CD4 + cells for subsequent Treg isolation/expansion and cryopreservation of expanded Tregs with re-stimulation and expansion after thawing, are promising solutions to overcome detrimental effects of cryopreservation. Both of these cell-banking strategies for Treg therapy can be applied when designing new clinical trials.

  5. The First Women Bank -- why and for whom?

    Science.gov (United States)

    Bilquees, F

    1991-01-01

    The First Women Bank with 10 branches in Pakistani cities was to have been modeled after the Grameen Bank of Bangladesh and serve the needs of very poor women. In fact, all but two branches are located in settings which are not available to the low income population and appear to cater to the needs of the wealthy. These contradictions between purpose and practice are examined in terms of the criteria for establishment of the bank and the operational strategy for bank clientele, deposit taking and credit services. Recommendations are provided. The original idea for the bank was proposed by the Finance Minister in a speech or a new Finance Minister established the women;s bank to be run by women in order to impr