Education Tax Credits: Refundability Critical to Making Credits Helpful to Low-Income Students and Families

Science.gov (United States)

Saunders, Katherine; Lower-Basch, Elizabeth

2015-01-01

Half of all non-loan federal student aid is now offered as tax benefits for educational costs in the form of credits, deductions, and college savings accounts. These benefits help students and families offset the costs of their postsecondary education with tax savings. Yet, as explained in the 2013 report, "Reforming Student Aid: How to…

Credit Card Usage and Debt among College and University Students. ERIC Digest.

Science.gov (United States)

Holub, Tamara

Since the late 1990s, lawmakers, college officials, consumer advocacy groups, and higher education practitioners have become increasingly concerned about the rising use of credit cards among college students. Some recent studies have provided information about credit card use among college students. These studies include: (1) a study conducted by…

40 CFR 80.531 - How are motor vehicle diesel fuel credits generated?

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 16 2010-07-01 2010-07-01 false How are motor vehicle diesel fuel... (CONTINUED) AIR PROGRAMS (CONTINUED) REGULATION OF FUELS AND FUEL ADDITIVES Motor Vehicle Diesel Fuel... are motor vehicle diesel fuel credits generated? (a) Generation of credits from June 1, 2006 through...

Academic Credit at Marymount Manhattan College for Student Volunteers.

Science.gov (United States)

Storey, Eileen

The report describes a 2-year project at Marymount Manhattan College (New York) to develop and implement a community service program which provides student participants with tuition credits. Students served in either a shelter for homeless women or with a tutorial program for adults preparing for the high-school equivalency examination. The report…

BANKING RETAIL CONSUMER FINANCE DATA GENERATOR – CREDIT SCORING DATA REPOSITORY

Directory of Open Access Journals (Sweden)

Karol Przanowski

2013-05-01

Full Text Available This paper presents two cases of random banking data generators based on migration matrices and scoring rules. The banking data generator is a breakthrough in researches aimed at finding a method to compare various credit scoring techniques. These data are very useful for various analyses to understand the complexity of banking processes in a better way and are also of use for students and their researches. Another application can be in the case of small samples, e.g. when historical data are too fresh or are connected with the processing of a small number of exposures. In these cases a data generator can extend a sample to an adequate size for advanced analysis. The influence of one cyclic macro-economic variable on client characteristics and their stability over time is analyzed. Some stimulating conclusions for crisis behavior are presented, namely that if a crisis is impacted by both factors: application and behavioral, then it is very difficult to clearly indicate these factors in a typical scoring analysis and the crisis becomes widespread in every kind of risk report.

Credit: A Teaching Unit.

Science.gov (United States)

Clanton, Brandolyn; And Others

Intended for teachers of secondary school students, five lessons on consumer credit are presented. In the first lesson students identify and evaluate sources of credit, compare some of the costs and benefits of credit, and learn to apply criteria used in evaluating applications for credit. In the second lesson, students learn about two basic types…

Competitive Intelligence for MBA Students: Credit Courses

OpenAIRE

Kirkwood, Hal P, Jr

2016-01-01

Poster was presented at the Business & Finance Division Poster Session at the Special Libraries Association Annual Conference in Philadelphia, PA, 2016. Focus of the poster is on the credit-level courses taught by Prof Hal Kirkwood to MBA students in the Krannert Graduate School of Management on the topics of international business research and an introduction to competitive intelligence.

Consumer Finance: College Students and Credit Cards. Report to Congressional Requesters.

Science.gov (United States)

D'Agostino, Davi M.

In response to a request from the House of Representatives, employees of the General Accounting Office conducted structured interviews with about 100 officials at 12 universities and colleges around the United States about several issues related to college students and credit cards. They also reviewed three studies of credit card use by college…

At-Risk High School Students Recovering Course Credits Online: What We Know and Need to Know

Science.gov (United States)

Viano, Samantha L.

2018-01-01

The majority of American high school students enrolling in online education are doing so in credit recovery courses. These are online courses specifically for students who previously failed a face-to-face version of the course. Despite the popularity of credit recovery courses, the literature on online learning largely ignores credit recovery…

Credit Card Solicitation Policies in Higher Education: Does "Protecting" Our Students Make a Difference?

Science.gov (United States)

Pinto, Mary Beth; Parente, Diane H.; Palmer, Todd S.

2001-01-01

Reports on a study that investigated the effect of a university's solicitation policy on students' acquisition and usage of credit cards. Attempts by universities to limit access to and use of credit cards appear to be ineffective. Suggests alternative policies be constructed around teaching students sound money management skills. (Author/JDM)

American Opportunity Credit: Key to Education for Lower and Middle Income College Students

Science.gov (United States)

Guerrero, Robin; Tiggeman, Theresa; Edmond, Tracie

2011-01-01

The Tax Relief Act of 1997 created an important tax provision which helped taxpayers offset the cost of higher education. This provision was in the form of education tax credits. Because a tax credit is a dollar for dollar reduction in tax liability, these education credits were designed to reduce the amount of tax due for college students or…

Effect of Personal Financial Knowledge on College Students' Credit Card Behavior

Science.gov (United States)

Robb, Cliff A.; Sharpe, Deanna L.

2009-01-01

Analysis of survey data collected from 6,520 students at a large Midwestern University affirmed that financial knowledge is a significant factor in the credit card decisions of college students but not entirely in expected ways. Results of a double hurdle analysis indicated that students with relatively higher levels of financial knowledge were…

A Cognitive Analysis of Credit Card Acquisition and College Student Financial Development.

Science.gov (United States)

Kidwell, Blair; Turrisi, Robert

2000-01-01

Examines cognitions relevant to credit card decision making in college-aged participants (N=304). Assesses measures of beliefs, attitudes, and behavioral alternatives toward acquiring a credit card. Identifies a multivariate model predicting college student financial development of the attitudes and behavioral tendencies of acquiring a new card.…

"Hour of Code": Can It Change Students' Attitudes toward Programming?

Science.gov (United States)

Du, Jie; Wimmer, Hayden; Rada, Roy

2016-01-01

The Hour of Code is a one-hour introduction to computer science organized by Code.org, a non-profit dedicated to expanding participation in computer science. This study investigated the impact of the Hour of Code on students' attitudes towards computer programming and their knowledge of programming. A sample of undergraduate students from two…

High-Risk Health and Credit Behavior among 18- to 25-Year-Old College Students

Science.gov (United States)

Adams, Troy; Moore, Monique

2007-01-01

The number of students accumulating credit card debt--and the amount of debt itself--on college campuses is increasing. If high-risk credit and health behavior are associated, health behavior interventions might apply to high-risk credit behavior. Objective: The authors' purpose was to examine these possible associations. Participants and Methods:…

[The Purpose of Medical Education: Proposal to Standardize a System of Credits for Medical Specializations Programs].

Science.gov (United States)

Cañar, Carlos Andrés Pineda

2012-01-01

This article analyzes the concept of an academic credit system and proposes a way to systematize medical specialization programs. The credit system is a way to recognize and standardize the total time that a student must devote to their training. Thus, a credit equal to a certain number of hours of classroom training and independent activities is proposed. An educational program is expressed in the number of credits needed for the whole training process to achieve the competencies expected. A review of the concept of competition in education is also performed. The introduction of the term and its relation to the need to measure performance in future professionals according to labor market needs is identified. A critical discussion about skills defining the different types of skills in the educational field is later discussed. Subsequently, the Colombian regulatory framework is presented concerning the powers, in particular, Decree 1295 of 2010, which defines one academic credit equal to 48 hours in a semester, of which 16 hours are classroom and 32 hours are independent study. A tor of the major milestones in the history of medical education is later made. The structure of credits and contact hours, independent of postgraduate psychiatry in the country is reviewed showing the heterogeneity in their approach. The proposal is presented, defining the types of classroom activities and how to calculate the hours of independent study by type of classroom activity. Copyright © 2012 Asociación Colombiana de Psiquiatría. Publicado por Elsevier España. All rights reserved.

Relationships between College Students' Credit Card Debt, Undesirable Academic Behaviors and Cognitions, and Academic Performance

Science.gov (United States)

Hogan, Eileen A.; Bryant, Sarah K.; Overymyer-Day, Leslie E.

2013-01-01

The acquisition of credit card debt by college students has long been a topic of concern. This study explores relationships among debt, undesirable academic behaviors and cognitions, and academic performance, through surveys of 338 students in a public university, replicating two past measures of credit card debt and creating new measures of…

Jump Start: International High School Students From Other Countries Earning Early U.S. College Credits

Science.gov (United States)

Hu, Jiayi; Hagedorn, Linda Serra

2015-01-01

This study analyzes data from one of the larger credit-based college transition programs for international students, the U.S. Bound College Credit Program or USBC2 Program (a pseudonym), mainly offered to high school students around the globe who are planning on attending American colleges or universities. Upon successful program completion, these…

Credit Card Quiz.

Science.gov (United States)

Marks, Jeff

2000-01-01

Describes an activity in which students design credit cards and discover for themselves the mathematical realities of buying on credit. Employs multiple-intelligence theory to increase the chance that all students will be reached. (YDS)

Academic Efforts and Study Habits among Students in a Principles of Macroeconomics Course.

Science.gov (United States)

Okpala, Amon O.; Okpala, Comfort O.; Ellis, Richard

2000-01-01

Students in a macroeconomics course (n=132) were compared on grade point average, academic efficacy, credit hours accumulated, and study hours/habits. Academic efficacy and study habits significantly explained achievement. The amount of study time had no significant impact. Scholastic Assessment Test scores and credit hours explained achievement…

Credit card debt, stress and key health risk behaviors among college students.

Science.gov (United States)

Nelson, Melissa C; Lust, Katherine; Story, Mary; Ehlinger, Ed

2008-01-01

To examine cross-sectional associations between credit card debt, stress, and health risk behaviors among college students, focusing particularly on weight-related behaviors. Random-sample, mailed survey. Undergraduate and graduate students (n = 3206) attending a large public university. Self-reported health indicators (e.g., weight, height, physical activity, diet, weight control, stress, credit card debt). More than 23% of students reported credit card debt > or = $1000. Using Poisson regression to predict relative risks (RR) of health behaviors, debt of at least $1000 was associated with nearly every risk indicator tested, including overweight/obesity, insufficient physical activity, excess television viewing, infrequent breakfast consumption, fast food consumption, unhealthy weight control, body dissatisfaction, binge drinking, substance use, and violence. For example, adjusted RR [ARR] ranged from 1.09 (95% Confidence interval [CI]: 1.02-1.17) for insufficient vigorous activity to 2.17 (CI: 0.68-2.82) for using drugs other than marijuana in the past 30 days. Poor stress management was also a robust indicator of health risk. University student lifestyles may be characterized by a variety of coexisting risk factors. These findings indicate that both debt and stress were associated with wide-ranging adverse health indicators. Intervention strategies targeting at-risk student populations need to be tailored to work within the context of the many challenges of college life, which may serve as barriers to healthy lifestyles. Increased health promotion efforts targeting stress, financial management, and weight-related health behaviors may be needed to enhance wellness among young adults.

The Struggle to Pass Algebra: Online vs. Face-to-Face Credit Recovery for At-Risk Urban Students

Science.gov (United States)

Heppen, Jessica B.; Sorensen, Nicholas; Allensworth, Elaine; Walters, Kirk; Rickles, Jordan; Taylor, Suzanne Stachel; Michelman, Valerie

2017-01-01

Students who fail algebra are significantly less likely to graduate on time, and algebra failure rates are consistently high in urban districts. Identifying effective credit recovery strategies is critical for getting students back on track. Online courses are now widely used for credit recovery, yet there is no rigorous evidence about the…

40 CFR 80.1290 - How are standard benzene credits generated?

Science.gov (United States)

2010-07-01

... PROGRAMS (CONTINUED) REGULATION OF FUELS AND FUEL ADDITIVES Gasoline Benzene Averaging, Banking and Trading... approved under § 80.1340. (b) [Reserved] (c)(1) The number of standard benzene credits generated shall be... the nearest gallon. Fractional values shall be rounded down if less than 0.50, and rounded up if...

Relationship between Credit Recovery Programs and Graduation Rates for At-Risk Students on the Navajo Indian Reservation

Science.gov (United States)

Fahey, John M.

2010-01-01

Low graduation rates of high school students are a problem for the Native American community. One possible solution for low graduation rates is a credit recovery program that may assist Native American students to recover credit not earned in their early high school years. The purpose of this study was to examine the effectiveness of a credit…

Relationship Between the Perception Curriculum Credit Semester System (Sks) with Academic Achievement Motivation in Students of Sman 78 Jakarta

OpenAIRE

Nurhidayah, Fajriati; Widodo, Prasetyo Budi; Desiningrum, Dinie Ratri

2012-01-01

School education has a major role in improving the quality of eduvation ,00aitems through the students academic achievement motivation. Students academic achievement motivation can be seen by the student perception of the curriculum semester credit system is applied in schools. This research was conducted to determine the relationship between perceptions of curriculum semester credit system with academic achievement motivation in students of SMAN 78 Jakarta. The population was 324 students w...

Volunteering for College? Potential Implications of Financial Aid Tax Credits Rewarding Community Service

Science.gov (United States)

Wells, Ryan S.; Lynch, Cassie M.

2014-01-01

President Obama has proposed a financial aid policy whereby students who complete 100 hours of community service would receive a tax credit of US$4,000 for college. After lawmakers cut this proposal from previous legislation, the administration was tasked with studying the feasibility of implementation. However, the implications of the policy for…

Do Community Characteristics Relate to Young Adult College Students' Credit Card Debt? The Hypothesized Role of Collective Institutional Efficacy.

Science.gov (United States)

Friedline, Terri; West, Stacia; Rosell, Nehemiah; Serido, Joyce; Shim, Soyeon

2017-03-01

This study examines the extent of emergent, outstanding credit card debt among young adult college students and investigates whether any associations existed between this credit card debt and the characteristics of the communities in which these students grew up or lived. Using data (N = 748) from a longitudinal survey and merging community characteristics measured at the zip code level, we confirmed that a community's unemployment rate, average total debt, average credit score, and number of bank branch offices were associated with a young adult college student's acquisition and accumulation of credit card debt. For example, a community's higher unemployment rate and lower number of bank branches were associated with a young adult college student's greater accumulated debt. Community characteristics had the strongest associations with credit card debt, especially after controlling for individual characteristics (i.e., a young adult college student's race and financial independence) and familial characteristics (i.e., their parents' income and parents' discussions of financial matters while growing up at home). The findings may help to understand the unique roles that communities play in shaping children and young adults' financial capability, and how communities can be better capacitated to support the financial goals of their residents. © Society for Community Research and Action 2017.

Credit risk in the pool-implications for private capital investments in Brazilian power generation

International Nuclear Information System (INIS)

Rocha, Katia; Alcaraz Garcia, Francisco A.

2006-01-01

The new Brazilian Electric Sector Regulation of 2004 introduced two negotiation markets: the regulated pool and the free market. Competition in the pool is enforced via energy auctions, where the winning generator has to sign long-term power purchase agreements simultaneously with all distributors at the bidding-price. To estimate the appropriate credit risk spread of the pool, we implement a clustering methodology to rank and rate the distributors. The results show an average spread between 5.75% and 8.5%, which corresponds to a credit rating of B- according to the spreads available in Reuters 2004. This estimation is at least 208 basis points higher than the credit rating Ba1/BB+ assigned to the distributors by the National Electric Energy Agency (ANEEL) in the periodic tariff revisions. Distributors with higher risk/spread are located in the South-Southeast, compared to the low risk/spread ones concentrated in the North-Northeast. We estimate the opportunity cost of capital in real terms in the range of 13-16% to account for the credit risk of the pool. Essential to determine the bidding price at the auctions, this estimation is higher than the 11.26% opportunity cost estimated by ANEEL. The pool's credit risk has to be taken into consideration, especially for compensating new private capital investments in Brazilian power generation

The Impact of Work and Volunteer Hours on the Health of Undergraduate Students.

Science.gov (United States)

Lederer, Alyssa M; Autry, Dana M; Day, Carol R T; Oswalt, Sara B

2015-01-01

To examine the impact of work and volunteer hours on 4 health issues among undergraduate college students. Full-time undergraduate students (N = 70,068) enrolled at 129 institutions who participated in the Spring 2011 American College Health Association-National College Health Assessment II survey. Multiple linear regression and binary logistic regression were used to examine work and volunteer hour impact on depression, feelings of being overwhelmed, sleep, and physical activity. The impact of work and volunteer hours was inconsistent among the health outcomes. Increased work hours tended to negatively affect sleep and increase feelings of being overwhelmed. Students who volunteered were more likely to meet physical activity guidelines, and those who volunteered 1 to 9 hours per week reported less depression. College health professionals should consider integrating discussion of students' employment and volunteering and their intersection with health outcomes into clinical visits, programming, and other services.

Producing Daily and Embedded Hourly Rainfall Data Using a Novel Weather Generator

Directory of Open Access Journals (Sweden)

Ching-Pin Tung

2013-01-01

Full Text Available The number of worldwide extreme drought and flood events has risen significantly in recent years. Many studies confer that climate change may cause more intensive and extreme events. Simulating the impact of climate change often requires weather data as inputs to assessment models. Stochastic weather generators have been developed to produce weather data with the same temporal resolution based on the outputs of GCMs. Reservoir simulation normally uses operational rules in daily and hourly time steps for water supply and flood reduction, respectively. Simulating consecutive drought and flood events simultaneously requires a weather generator to produce different temporal resolution data. This work develops a continuous weather generator to generate daily and hourly precipitation data for regular wet days and severe storms, respectively. Daily rainfall data is generated for regular wet days using Exponential distribution or Weibull distribution, while the total rainfall data for severe storms is generated using the Pearson type III or Log Pearson type III distribution. Moreover, hourly rainfall is determined based on generated hyetographs. Simulation results indicate that the proposed continuous weather generator can generate daily and hourly rainfall reasonably. The proposed weather generator is thus highly promising for use in evaluating how climate change impacts reservoir operations that are significantly influenced by more frequent and intensive consecutive drought and flood events.

Do At-Risk Students Benefit When NovaNET Is Used for Credit Recovery?

Science.gov (United States)

Volkerding, Rebecca Lynn

2012-01-01

The purpose of this study was to determine if it is effective and appropriate to place all students needing credit recovery in computer-based classes regardless of age, risk ratio, and their previous failing grade. Driven by the NCLB mandate for schools to produce greater gains and graduate all students in 4.5 years, districts are now using online…

Capacity credit of wind power in the Netherlands

International Nuclear Information System (INIS)

Wijk, A.J.M. van; Turkenburg, W.C.

1993-01-01

The Dutch Government has stated that by the year 2000 a total amount of 1000 MW wind power should be installed in the Netherlands. The penetration of wind power into the electricity supply system poses questions about the costs and benefits of wind power. One of the parameters affecting the benefits is the amount of conventional capacity that can be saved by wind power, the so-called 'capacity credit'. In this study the capacity credit of wind power in the Netherlands is analysed. The capacity credit is calculated using a probabilistic method which evaluates the loss of load expectation (LOLE) of the total electricity generating system. In these evaluations the available wind power is treated as 'negative load'. The capacity credit is evaluated with respect to the Dutch electricity generating system and the electricity demand that is projected for the year 2000 by the Dutch utilities. Special attention is given to modelling the hourly wind power production. The model incorporates detailed siting information, wind speed data for several meteorological stations and the power curves of five different types of wind turbines. The average amount of electricity produced by wind power can be expressed by the capacity factor. For the set of assumptions and for the meteorological conditions for the years investigated the capacity factor has a value of 22%. 30 refs, 10 figs, 3 tabs

40 CFR 80.535 - How are NRLM diesel fuel credits generated?

Science.gov (United States)

2010-07-01

... PROGRAMS (CONTINUED) REGULATION OF FUELS AND FUEL ADDITIVES Motor Vehicle Diesel Fuel; Nonroad, Locomotive... the standards of § 80.510(a) or (b). V520 = The total volume of motor vehicle diesel fuel produced or... generated by both a foreign refiner and by an importer for the same motor vehicle diesel fuel. (iii) Credits...

Student midwives' duty hours: risks, standards, and recommendations.

Science.gov (United States)

Lawrence, Rachel; Kantrowitz-Gordon, Ira; Landis, Andrea

2014-01-01

A growing body of literature has emerged describing the risks of extended-duty shifts and sleep deprivation. Worldwide, midwifery organizations have not adopted standards for practitioner or student duty shifts. This project reviews the literature related to extended-duty shifts in an effort to develop evidence-based recommendations for student nurse-midwives/student midwives (SNMs/SMs). A comprehensive literature search was conducted through electronic databases, major journals, and reference lists published in English since January 2001. Primary research studies evaluating sleep deprivation and shift duration were included. Studies that did not include the target population (shift workers) and those that formed conclusions related to extended-duty shifts greater than 30 hours were excluded. In addition, an extensive worldwide review of duty-hour recommendations from more than 300 health care organizations was conducted. A total of 40 studies met the inclusion criteria. Extended-duty shifts (those greater than 12 hours) increased the risk for cognitive and physical functional errors, safety concerns, and decreased quality of life from sleep deprivation. Cognitive function errors included attention lapses, visual tracking errors, decreased mentation and immediate recall, and decreased learning capacity. Physical errors included decreased motor skills and slowed reaction times in clinical simulations. These deficits led to an increased risk of motor vehicle accidents, needle sticks, and performance equivalent to unsafe blood alcohol concentrations. An overall decrease in quality of life and job satisfaction was linked to extended-duty shifts. Seven organizations for medical residents or advanced practice nurses have developed policy statements on duty shifts, with extended-duty shift limitations between 12 and 24 hours. The risks associated with extended-duty shifts may inhibit the development of SNMs/SMs into competent practitioners and place patients at risk. It

29 CFR 2530.200b-3 - Determination of service to be credited to employees.

Science.gov (United States)

2010-07-01

... the crediting of no less than the actual number of hours of service required to be credited under... example, a classification applied so that any employee credited with less than 1,000 hours of service... under this section. (d) Equivalencies based on working time—(1) Hours worked. A plan may determine...

The e-Generation: The Use of Technology for Foreign Language Learning

Science.gov (United States)

Gonzalez-Vera, Pilar

2016-01-01

After the Bologna Process, European Higher Education was reformulated as a response to a change of roles in higher education in a globalised society. The implementation of a new system of credits, the European Credit Transfer System (ECTS), implied an enormous increase of autonomous learning hours. The high percentage of student workload reflected…

Transferability of Postsecondary Credit Following Student Transfer or Coenrollment. Statistical Analysis Report. NCES 2014-163

Science.gov (United States)

Simone, Sean Anthony

2014-01-01

The federal government invests billions of dollars in grants and loans to help students access and complete postsecondary education. Federal policymakers, therefore, have had a continuing interest in understanding the ability of students to transfer credits between postsecondary institutions. In 2005, the Senate Health, Education, Labor, and…

Writing Performance of At-Risk Learners in Online Credit Recovery

Science.gov (United States)

Leiter, Michael P.

2012-01-01

Online credit recovery is becoming a popular choice for students needing to recover lost graduation credit due to course failure. The problem is that high school students who take online credit recovery classes in order to gain writing credit for graduation are failing the writing section on the state merit exam (MME). At-risk students and…

Follow Up: Credit Card Caution

Science.gov (United States)

Cahill, Timothy P.

2007-01-01

In "Pushing Plastic," ("The New England Journal of Higher Education", Summer 2007), John Humphrey notes that many college administrators justify their credit card solicitations by suggesting that credit card access will help students learn to manage their own finances. Instead, credit card debt will teach thousands of students…

The Effect of Graduation Coaches and Credit Recovery Programs on the Dropout Rate of At-Risk Grade 9 Students

Science.gov (United States)

Bowling, Jan

2013-01-01

The objective of this study was to identify the characteristics of effective graduation coaches (GCs) and credit recovery programs and explain the influence of a GC and a credit recovery program on Grade 9 students at risk of dropping out. The purpose of this study was to determine whether a high school GC and enrollment in a credit recovery…

The New Tax Credits: How Much Will They Offset Higher Student Fees in California? Report 09-22

Science.gov (United States)

Jones, Jessika

2009-01-01

The American Recovery and Reinvestment Act (ARRA) significantly increases federal tax credits for people who pay for college education. For many families, these tax credits will offset most of the recent fee increases at University of California (UC), California State University (CSU), and the community colleges. Some students will likely be…

Using Data Mining to Explore Why Community College Transfer Students Earn Bachelor's Degrees with Excess Credits. CCRC Working Paper No. 100

Science.gov (United States)

Fink, John; Jenkins, Davis; Kopko, Elizabeth; Ran, Florence Xiaotao

2018-01-01

Community college transfer students encounter challenges progressing toward a bachelor's degree, leading to widespread transfer credit loss. This in turn may lower students' chances of credential completion and increase the time and costs for students, their families, and taxpayers. In this study we review three definitions of credit transfer…

British and American attitudes toward credit cards.

Science.gov (United States)

Yang, Bijou; James, Simon; Lester, David

2006-04-01

American university students owned more than twice as many credit cards as British university students. However, scores on a credit card attitude scale predicted the number of cards owned by respondents in both countries.

Joint replenishment and credit policies under two levels of trade credit financing when demand and bad-debt loss depends upon credit period

Directory of Open Access Journals (Sweden)

Aggarawal K.K.

2016-01-01

Full Text Available In practice, a firm usually receives trade credit financing from its supplier on the purchase of inventory. Similarly, in order to meet competition and generate credit sales over and above cash sales, the firm also gives credit period to their customers. However, the decision of granting credit period may have a disintegrating effect on cash sales apart from generating new credit sales because some of the cash customers may switch to credit purchase. In addition, despite of the best credit granting policies and collection practices, the firm may incurs some amount of bad debt losses because a certain fraction of buyers will undoubtedly be unable to pay off their debt obligations and become bad debt loss to the firm. In this paper, using discounted cash flow (DCF approach, a mathematical model is developed to jointly determine optimal inventory and credit policies under two levels of trade credit financing when demand and bad-debt losses are dependent on credit period. The objective of the model is to maximize the present value of firm’s net profit per unit time by jointly optimizing the replenishment interval and date-terms credit period. Numerical examples and sensitivity analysis are presented to illustrate the effectiveness of the proposed model, and the results are discussed.

Effective Practices of Financial Education for College Students: Students' Perceptions of Credit Card Use and Financial Responsibility

Science.gov (United States)

Anderson, Carla; Card, Karen

2015-01-01

The purpose of this quasi-experimental nonequivalent control group study was to determine the influence that a financial education intervention administered in First Year Experience courses had on students' perceptions of their financial behavior such as compulsive spending and credit card use. This study utilized the five-point Likert-type…

Buy It Now and Pay for It Later: An Experimental Study of Student Credit Card Use

Science.gov (United States)

Fagerstrom, Asle; Hantula, Donald A.

2013-01-01

Credit card debt is of increasing concern among college students, but reasons for it are not well understood. In a simulated shopping experiment based on a hyperbolic discounted utility model, 21 participants could either save money for a new model of their favorite mobile phone brand and get it in the future or buy the product on credit and get…

Who Gets the Credit? Who Pays the Consequences? The Illinois Tuition Tax Credit. Special Report.

Science.gov (United States)

Pathak, Arohi; Keenan, Nancy

In 1999, Illinois enacted a tuition tax credit program. Tax credit supporters suggest tax credits help low-income students. However, opponents argue that they disproportionately benefit higher-income families whose children are already attending private schools and may decrease already limited resources available to public schools. New data from…

Dual Credit Report

Science.gov (United States)

Light, Noreen

2016-01-01

In 2015, legislation to improve access to dual-credit programs and to reduce disparities in access and completion--particularly for low income and underrepresented students--was enacted. The new law focused on expanding access to College in the High School but acknowledged issues in other dual-credit programs and reinforced the notion that cost…

Measurement of Online Student Engagement: Utilization of Continuous Online Student Behavior Indicators as Items in a Partial Credit Rasch Model

Science.gov (United States)

Anderson, Elizabeth

2017-01-01

Student engagement has been shown to be essential to the development of research-based best practices for K-12 education. It has been defined and measured in numerous ways. The purpose of this research study was to develop a measure of online student engagement for grades 3 through 8 using a partial credit Rasch model and validate the measure…

Vulnerabilities in First-Generation RFID-enabled Credit Cards

Science.gov (United States)

Heydt-Benjamin, Thomas S.; Bailey, Daniel V.; Fu, Kevin; Juels, Ari; O'Hare, Tom

RFID-enabled credit cards are widely deployed in the United States and other countries, but no public study has thoroughly analyzed the mechanisms that provide both security and privacy. Using samples from a variety of RFID-enabled credit cards, our study observes that (1) the cardholder's name and often credit card number and expiration are leaked in plaintext to unauthenticated readers, (2) our homemade device costing around 150 effectively clones one type of skimmed cards thus providing a proof-of-concept implementation for the RF replay attack, (3) information revealed by the RFID transmission cross contaminates the security of RFID and non-RFID payment contexts, and (4) RFID-enabled credit cards are susceptible in various degrees to a range of other traditional RFID attacks such as skimming and relaying.

Dynamic Virtual Credit Card Numbers

Science.gov (United States)

Molloy, Ian; Li, Jiangtao; Li, Ninghui

Theft of stored credit card information is an increasing threat to e-commerce. We propose a dynamic virtual credit card number scheme that reduces the damage caused by stolen credit card numbers. A user can use an existing credit card account to generate multiple virtual credit card numbers that are either usable for a single transaction or are tied with a particular merchant. We call the scheme dynamic because the virtual credit card numbers can be generated without online contact with the credit card issuers. These numbers can be processed without changing any of the infrastructure currently in place; the only changes will be at the end points, namely, the card users and the card issuers. We analyze the security requirements for dynamic virtual credit card numbers, discuss the design space, propose a scheme using HMAC, and prove its security under the assumption the underlying function is a PRF.

Your Credit Rights: An Instructional Unit on Consumer Credit Protection. Revised.

Science.gov (United States)

Jensen, Barbara J.; And Others

This instructional guide adds two new sections to the original guide published in May 1982. The guide was designed to assist educators in teaching the topics of consumer credit and consumer credit protection to secondary and postsecondary students in various economics and business courses, as well as in adult and community education courses. The…

Dual Credit/Dual Enrollment and Data Driven Policy Implementation

Science.gov (United States)

Lichtenberger, Eric; Witt, M. Allison; Blankenberger, Bob; Franklin, Doug

2014-01-01

The use of dual credit has been expanding rapidly. Dual credit is a college course taken by a high school student for which both college and high school credit is given. Previous studies provided limited quantitative evidence that dual credit/dual enrollment is directly connected to positive student outcomes. In this study, predictive statistics…

Credit Recovery in a Virtual School: Affordances of Online Learning for the At-Risk Student

Science.gov (United States)

Oliver, Kevin; Kellogg, Shaun

2015-01-01

This paper summarizes evaluation findings about a high school credit recovery (CR) program as solicited by a statesponsored virtual school in the United States. Student and teacher surveys explained why CR students failed previous instances of face-to-face courses and defined how the online CR model helped these learners overcome both internal…

Student Credit Card Debt in the 21st Century: Options for Financial Aid Administrators.

Science.gov (United States)

Oleson, Mark

2001-01-01

Provides multiple workable solutions financial aid offices can offer students throughout their college experience to deal with debt: preventive solutions for avoiding problems with credit card debt, holistic solutions for other related problems, and remedial solutions for existing problems. (EV)

Use of raiting assessment of students at studying of technology of medications under the credit – module system of study

Directory of Open Access Journals (Sweden)

T. M. Litvinenko

2013-12-01

Full Text Available Introduction of credit-module system into educational process is a main requirement of Bolognese process. First and foremost rating estimation of student’s knowledge is a modern technology in educational field which helps teacher to estimate of student’s knowledge objectively. Aim of article. To analyze tactic of carrying out training for foreign students in technology of medications. Materials and methods. Investigation was carrying out on the basis of new working program of technology of medications with introduction of credit-module system into educational process. As material was used experience in working with foreign students, textbooks and methodical decisions of department, faculty and university. Results and their discussion. Usage of this system in educational process for foreign students will help teacher to take into account special features of each student and give a chance to teach how to enrich their knowledge of technology of medications on one's own. Conclusion. Teacher’s collaboration with each student is a guarantee of quality usage of credit-module system in higher institutes of education.

Implementing Student-Level Random Assignment during Summer School: Lessons Learned from an Efficacy Study of Online Algebra I for Credit Recovery

Science.gov (United States)

Heppen, Jessica; Allensworth, Elaine; Walters, Kirk; Pareja, Amber Stitziel; Kurki, Anja; Nomi, Takako; Sorensen, Nicholas

2011-01-01

Credit recovery is one strategy to deal with high failure rates. The primary goal of credit recovery programs is to give students an opportunity to retake classes that they failed in an effort to get them back on track and keep them in school (Watson & Gemin, 2008). Most recently, as schools across the nation struggle to keep students on track…

A Leadership Elective Course Developed and Taught by Graduate Students

Science.gov (United States)

Garza, Oscar W.; Witry, Matthew J.; Chang, Elizabeth H.; Letendre, Donald E.; Trewet, CoraLynn B.

2013-01-01

Objective. To develop and implement a flexible-credit elective course to empower student pharmacists to develop lifelong leadership skills and provide teaching practice opportunities for graduate students. Design. An elective course focusing on leadership development for second- and third-year doctor of pharmacy (PharmD) students was designed and taught by 4 graduate students under the mentorship of 2 faculty members. Student pharmacists could enroll in a 1-, 2-, or 3-credit-hour version of the course. Assessment. Attainment of course objectives was measured using student pharmacist reflection papers and continuing professional development portfolios. Additionally, self-assessments of graduate students and faculty members delivering the course were conducted. In their responses on course evaluations, student pharmacists indicated they found the course a valuable learning experience. Graduate students found course development to be challenging but useful in developing faculty skills. Conclusion. This flexible-credit elective course taught by graduate students was an innovative way to offer formal leadership instruction using limited college resources. PMID:24371347

Credit Risk Modeling

DEFF Research Database (Denmark)

Lando, David

Credit risk is today one of the most intensely studied topics in quantitative finance. This book provides an introduction and overview for readers who seek an up-to-date reference to the central problems of the field and to the tools currently used to analyze them. The book is aimed at researchers...... and students in finance, at quantitative analysts in banks and other financial institutions, and at regulators interested in the modeling aspects of credit risk. David Lando considers the two broad approaches to credit risk analysis: that based on classical option pricing models on the one hand...

Stochastic generation of hourly wind speed time series

International Nuclear Information System (INIS)

Shamshad, A.; Wan Mohd Ali Wan Hussin; Bawadi, M.A.; Mohd Sanusi, S.A.

2006-01-01

In the present study hourly wind speed data of Kuala Terengganu in Peninsular Malaysia are simulated by using transition matrix approach of Markovian process. The wind speed time series is divided into various states based on certain criteria. The next wind speed states are selected based on the previous states. The cumulative probability transition matrix has been formed in which each row ends with 1. Using the uniform random numbers between 0 and 1, a series of future states is generated. These states have been converted to the corresponding wind speed values using another uniform random number generator. The accuracy of the model has been determined by comparing the statistical characteristics such as average, standard deviation, root mean square error, probability density function and autocorrelation function of the generated data to those of the original data. The generated wind speed time series data is capable to preserve the wind speed characteristics of the observed data

State Policies to Support Competency-Based Education for Overage, Under-Credited Students. Ask the CCRS Center

Science.gov (United States)

Tomasello, Jenna; Brand, Betsy

2016-01-01

How can states ensure that students who are overage or under-credit (OA/UC) not only graduate high school but are prepared for college or the workforce? Competency-based education (CBE) is one emerging strategy for addressing the needs of at-risk youth. CBE can address the needs of at-risk students because it is personalized to individual…

40 CFR 80.315 - How are credits used and what are the limitations on credit use?

Science.gov (United States)

2010-07-01

... indicating the years the credits were generated, the identity of the refiner or importer who generated the credits, and the identity of the transferring party, if it is not the same party that generated the... corporate pool average standards under § 80.195. [65 FR 6823, Feb. 10, 2000, as amended at 67 FR 40184, June...

The Effects of Credit Status on College Attainment and College Completion

OpenAIRE

Gicheva, Dora; Ionescu, Felicia; Simpson, Nicole B.

2012-01-01

College students now use various forms of unsecured credit such as private student loans and credit cards to finance college. Access to these credit lines and the interest rates charged on these loans can vary significantly across credit scores. In this paper, we analyze if credit status, as measured by self-reported characteristics of an individual's credit standing, affects college investment. Using data from the Survey of Consumer Finances, we study a sample of young high school graduates ...

Student Retention Indicators Benchmark Report for Four-Year and Two-Year Institutions, 2013. Noel-Levitz Report on Undergraduate Trends in Enrollment Management. Higher Ed Benchmarks

Science.gov (United States)

Noel-Levitz, Inc., 2013

2013-01-01

This biennial report from Noel-Levitz assists colleges and universities with raising the bar on student retention and degree completion subgoals by benchmarking key predictive indicators such as term-to-term persistence and the ratio of credit hours completed vs. credit hours attempted. The report is based on a Web-based poll of campus officials…

Credit Card Risk Behavior on College Campuses: Evidence from Brazil

Directory of Open Access Journals (Sweden)

Wesley Mendes-da-Silva

2012-07-01

Full Text Available College students frequently show they have little skill when it comes to using a credit card in a responsible manner. This article deals with this issue in an emerging market and in a pioneering manner. University students (n = 769 in São Paulo, Brazil’s main financial center, replied to a questionnaire about their credit card use habits. Using Logit models, associations were discovered between personal characteristics and credit card use habits that involve financially risky behavior. The main results were: (a a larger number of credit cards increases the probability of risky behavior; (b students who alleged they knew what interest rates the card administrators were charging were less inclined to engage in risky behavior. The results are of interest to the financial industry, to university managers and to policy makers. This article points to the advisability, indeed necessity, of providing students with information about the use of financial products (notably credit cards bearing in mind the high interest rates which their users are charged. The findings regarding student behavior in the use of credit cards in emerging economies are both significant and relevant. Furthermore, financial literature, while recognizing the importance of the topic, has not significantly examined the phenomenon in emerging economies.

Credit Recovery Programs. What Works Clearinghouse Intervention Report

Science.gov (United States)

What Works Clearinghouse, 2015

2015-01-01

"Credit recovery programs" allow high school students to recover course credit, through in-school, online, or mixed modes, for classes they previously failed. The WWC reviewed the research on these programs and their impacts on middle school, junior high school, or high school students at risk of dropping out or who have already dropped…

Stochastic generation of hourly rainstorm events in Johor

International Nuclear Information System (INIS)

Nojumuddin, Nur Syereena; Yusof, Fadhilah; Yusop, Zulkifli

2015-01-01

Engineers and researchers in water-related studies are often faced with the problem of having insufficient and long rainfall record. Practical and effective methods must be developed to generate unavailable data from limited available data. Therefore, this paper presents a Monte-Carlo based stochastic hourly rainfall generation model to complement the unavailable data. The Monte Carlo simulation used in this study is based on the best fit of storm characteristics. Hence, by using the Maximum Likelihood Estimation (MLE) and Anderson Darling goodness-of-fit test, lognormal appeared to be the best rainfall distribution. Therefore, the Monte Carlo simulation based on lognormal distribution was used in the study. The proposed model was verified by comparing the statistical moments of rainstorm characteristics from the combination of the observed rainstorm events under 10 years and simulated rainstorm events under 30 years of rainfall records with those under the entire 40 years of observed rainfall data based on the hourly rainfall data at the station J1 in Johor over the period of 1972–2011. The absolute percentage error of the duration-depth, duration-inter-event time and depth-inter-event time will be used as the accuracy test. The results showed the first four product-moments of the observed rainstorm characteristics were close with the simulated rainstorm characteristics. The proposed model can be used as a basis to derive rainfall intensity-duration frequency in Johor

Stochastic generation of hourly rainstorm events in Johor

Science.gov (United States)

Nojumuddin, Nur Syereena; Yusof, Fadhilah; Yusop, Zulkifli

2015-02-01

Engineers and researchers in water-related studies are often faced with the problem of having insufficient and long rainfall record. Practical and effective methods must be developed to generate unavailable data from limited available data. Therefore, this paper presents a Monte-Carlo based stochastic hourly rainfall generation model to complement the unavailable data. The Monte Carlo simulation used in this study is based on the best fit of storm characteristics. Hence, by using the Maximum Likelihood Estimation (MLE) and Anderson Darling goodness-of-fit test, lognormal appeared to be the best rainfall distribution. Therefore, the Monte Carlo simulation based on lognormal distribution was used in the study. The proposed model was verified by comparing the statistical moments of rainstorm characteristics from the combination of the observed rainstorm events under 10 years and simulated rainstorm events under 30 years of rainfall records with those under the entire 40 years of observed rainfall data based on the hourly rainfall data at the station J1 in Johor over the period of 1972-2011. The absolute percentage error of the duration-depth, duration-inter-event time and depth-inter-event time will be used as the accuracy test. The results showed the first four product-moments of the observed rainstorm characteristics were close with the simulated rainstorm characteristics. The proposed model can be used as a basis to derive rainfall intensity-duration frequency in Johor.

Stochastic generation of hourly rainstorm events in Johor

Energy Technology Data Exchange (ETDEWEB)

Nojumuddin, Nur Syereena; Yusof, Fadhilah [Department of Mathematical Sciences, Faculty of Science, Universiti Teknologi Malaysia, 81310 UTM Johor Bahru, Johor (Malaysia); Yusop, Zulkifli [Institute of Environmental and Water Resources Management, Universiti Teknologi Malaysia, 81310 UTM Johor Bahru, Johor (Malaysia)

2015-02-03

Engineers and researchers in water-related studies are often faced with the problem of having insufficient and long rainfall record. Practical and effective methods must be developed to generate unavailable data from limited available data. Therefore, this paper presents a Monte-Carlo based stochastic hourly rainfall generation model to complement the unavailable data. The Monte Carlo simulation used in this study is based on the best fit of storm characteristics. Hence, by using the Maximum Likelihood Estimation (MLE) and Anderson Darling goodness-of-fit test, lognormal appeared to be the best rainfall distribution. Therefore, the Monte Carlo simulation based on lognormal distribution was used in the study. The proposed model was verified by comparing the statistical moments of rainstorm characteristics from the combination of the observed rainstorm events under 10 years and simulated rainstorm events under 30 years of rainfall records with those under the entire 40 years of observed rainfall data based on the hourly rainfall data at the station J1 in Johor over the period of 1972–2011. The absolute percentage error of the duration-depth, duration-inter-event time and depth-inter-event time will be used as the accuracy test. The results showed the first four product-moments of the observed rainstorm characteristics were close with the simulated rainstorm characteristics. The proposed model can be used as a basis to derive rainfall intensity-duration frequency in Johor.

Rare Disasters and Credit Market Puzzles

DEFF Research Database (Denmark)

Christoffersen, Peter; Du, Du; Elkamhi, Redouane

to the real economy and not to bond prices can simultaneously explain several key empirical regularities in credit markets. Our model captures the empirical level and volatility of credit spreads, generates a flexible credit risk term structure, and provides a good fit to a century of observed spreads...

40 CFR 91.1307 - Credit calculation.

Science.gov (United States)

2010-07-01

... family in kW (sales weighted). The power of each configuration is the rated output in kilowatts as....1307 Credit calculation. For each participating engine family, emission credits (positive or negative... for an engine family whether generating positive or negative in-use emission credits: ER04oc96.053...

Emissions credits from natural gas vehicles

International Nuclear Information System (INIS)

Anderson, J.F.; Kodjak, D.

1997-01-01

Dedicated natural gas vehicles (NGVs) often are capable of testing to lower than federally required engine certification standards. NGVs often meet inherently low emission vehicle (ILEV) and ultra low emission vehicle (ULEV) standards. Over the useful life of the vehicle, a significant amount of mobile source emission reduction credits (MSERCs) can be generated. This paper will discuss key elements of establishing a workable methodology to quantify the emissions benefits generated through the purchase and use of heavy-duty natural gas vehicles instead of heavy-duty diesel vehicles. The paper will focus on a public fleet of transit buses owned by the Massachusetts Bay Transit Agency, the Massachusetts Port Authority, and a private fleet of waste haulers. Public fleets may generate emission credits as a key compliance option to offset emission shortfalls from changes to the Employee Commute Options (ECO) program, the Inspection and Maintenance program, and facilitate annual surface transportation conformity. Private fleets may generate emission credits for open market trading to area and stationary sources seeking to buy credits from mobile sources, where allowed by EPA and state policy

Correlates of credit card ownership in men and women.

Science.gov (United States)

Yang, Bijou; Lester, David

2005-06-01

In a sample of 352 students, correlates of credit card ownership differed by sex. For both men and women, credit card ownership was predicted by their affective attitude toward credit cards. However, whereas for men concern with money as a tactic for gaining power predicted credit card ownership, for women feelings of insecurity about having sufficient money and having a conservative approach to money predicted credit card ownership.

Rare disasters, credit, and option market puzzles

DEFF Research Database (Denmark)

Christoffersen, Peter; Du, Du; Elkamhi, Redouane

2017-01-01

calibrated to the real economy can simultaneously explain several key empirical regularities in equity, credit, and options markets. Our model captures the empirical level and volatility of credit spreads, generates a flexible credit risk term structure, and provides a good fit to a century of observed...

Restricted working hours in Austrian residency programs : Survey results.

Science.gov (United States)

Bergmeister, Konstantin D; Aman, Martin; Podesser, Bruno K

2018-04-27

New regulations for working hours of medical doctors have been implemented in Austria based on the European directive 2003/88/EG, limiting on-duty working hours to 48 h per week. Clinical work is, therefore, substantially reduced compared to previous decades, and little is known on physician and students' opinions on this matter. We illustrate survey results concerning on-job training, its difficulties, and implications for restricted working hours. We conducted an internal survey among M.D. and Ph.D. students and medical staff members at the Medical University of Vienna using the MedCampus system (CAMPUSOnline, Graz, Austria) and SPSS (V.21, IBM Corp, Armonk, NY, USA). Participants were 36.5% staff members and 63.5% students. Students rated continuous education of physicians high at 9.19 ± 1.76 and staff members at 8.90 ± 2.48 on a 1-10 (1 unimportant, 10 most important) scale. Students rated limited time resources, while staff considered financial resources as the greatest challenge for in-hospital education. Overall, 28.85% thought that restricted working hours can positively influence education, while 19.04% thought the opposite and 52.11% were undecided. Considering the limited available time and financial resources, education of tomorrow's medical doctors remains an important but difficult task. While participants of our survey rated education as very important despite its many challenges, the opinions towards limited working hours were not as clear. Given that over 50% are still undecided whether reduced work hours may also positively influence medical education, it clearly presents an opportunity to include the next generations of physicians in this undertaking.

Burnup credit in Spain

International Nuclear Information System (INIS)

Conde, J.M.; Recio, M.

2001-01-01

The status of development of burnup credit for criticality safety analyses in Spain is described in this paper. Ongoing activities in the country in this field, both national and international, are resumed. Burnup credit is currently being applied to wet storage of PWR fuel, and credit to integral burnable absorbers is given for BWR fuel storage. It is envisaged to apply burnup credit techniques to the new generation of transport casks now in the design phase. The analysis methodologies submitted for the analyses of PWR and BWR fuel wet storage are outlined. Analytical activities in the country are described, as well as international collaborations in this field. Perspectives for future research and development of new applications are finally resumed. (author)

CREDIT SYSTEM AND CREDIT GUARANTEE PROGRAMS

OpenAIRE

Turgay GECER

2012-01-01

Credit system is an integrated architecture consisted of financial information, credit rating, credit risk management, receivables and credit insurance systems, credit derivative markets and credit guarantee programs. The main purpose of the credit system is to provide the functioning of all credit channels and to make it easy to access of credit sources demanded by all of real and legal persons in any economic system. Credit guarantee program, the one of prominent elements of the credit syst...

Expanding Choice: Tax Credits and Educational Access in Montana

Science.gov (United States)

Carpenter, Dick M., II; Ross, John K.

2009-01-01

The evidence advanced in this report demonstrates that using tax credits to fund scholarships for students is both well-established and sound practice. Three existing credits allow taxpayer funds to flow to faith-based organizations, and one of those, the Qualified Endowment Credit, rewards contributions to more than a thousand charitable…

The Research of Utilization Hours of Coal-Fired Power Generation Units Based on Electric Energy Balance

Science.gov (United States)

Liu, Junhui; Yang, Jianlian; Wang, Jiangbo; Yang, Meng; Tian, Chunzheng; He, Xinhui

2018-01-01

With grid-connected scale of clean energy such as wind power and photovoltaic power expanding rapidly and cross-province transmission scale being bigger, utilization hours of coal-fired power generation units become lower and lower in the context of the current slowdown in electricity demand. This paper analyzes the influencing factors from the three aspects of demand, supply and supply and demand balance, and the mathematical model has been constructed based on the electric energy balance. The utilization hours of coal-fired power generation units have been solved considering the relationship among proportion of various types of power installed capacity, the output rate and utilization hours. By carrying out empirical research in Henan Province, the utilization hours of coal-fired units of Henan Province in 2020 has been achieved. The example validates the practicability and the rationality of the model, which can provide a basis for the decision-making for coal-fired power generation enterprises.

California Air Resources board's mobil source emission reduction credit guidelines

International Nuclear Information System (INIS)

Dunwoody Lentz, C.; Werner, B.

1993-01-01

The California Air Resources Board has developed guidance for the generation and use of mobil source emission reduction credits. Mobil source credits can be used to improve air quality, or to mitigate increases in emissions associated with industrial and non-industrial sources. They are created by programs which reduce mobile source emission beyond the reductions required by federal, state, and local laws or air quality attainment plans. Significant amounts of credit can be generated by some types of programs which reduce mobile source emissions of oxides of nitrogen (NO x ) and reactive organic gases (ROG). Mobile source credit programs must be carefully structured to ensure that emission reductions are real, accurately quantified, enforceable, and have a defined life. Three potentially feasible programs for the creation of mobile source credits include accelerated retirement of older vehicles, purchase of low-emission buses, and purchase of zero-emission vehicles. These programs are evaluated for their ability to generate credit and to assess their cost effectiveness. Based on the examples presented, two methods of generating mobile source credits, the accelerated retirement of older vehicles and the purchase of low-emission buses, appear to be cost-effective when compared to other emission control measures

Developing emission reduction credit trading in Texas

International Nuclear Information System (INIS)

Dodds, J.E.

1993-01-01

The Texas Air Control Board has begun to develop a system of emission reduction credit training. The system will be developed incrementally over time. The first step, banking of VOC and NO x Emission Reduction Credits, began March 15, 1993. Additional programs under study and development include NO x RACT trading, emission credits for motor vehicle scrappage and alternative fuel conversion, and establishment of community organizations to generate and acquire emission reduction credits for economic development purposes

The Dual Benefits of Tax Credits: Taxpayer Income Generation and Economy Stimulus

Science.gov (United States)

Guerrero, Robin; Tiggeman, Theresa; Edmond, Tracie

2010-01-01

Two important provisions of the Internal Revenue Code were the creation of the Earned Income Tax Credit and Child Tax Credit. Each of these credits were designed to reduce the amount of tax owed, thereby offsetting some of the increases in living expenses and federal income tax. For many this results in a smaller a tax liability. For others with…

The market for tradable renewable energy credits

International Nuclear Information System (INIS)

Berry, David

2002-01-01

As states seek to foster the development of renewable energy resources, some have introduced renewable portfolio standards (RPSs) which require retailers of electricity to derive a specified amount of their energy supply from renewable energy resources. RPSs in Texas, Arizona, Wisconsin and Nevada allow for or require the use of tradable renewable energy credits. The price of such credits is expected to reflect the cost premium for generating electricity from renewable resources relative to the market price of conventionally generated electricity. Using the market to trade renewable energy credits exposes buyers and sellers to risks of imperfect information, poor performance, and opportunism. These risks can be managed through contractual arrangements and regulatory requirements pertaining to property rights in credits, pricing, term of the contract, and assurance of performance

Generation of hourly irradiation synthetic series using the neural network multilayer perceptron

Energy Technology Data Exchange (ETDEWEB)

Hontoria, L.; Aguilera, J. [Universidad de Jaen, Linares-Jaen (Spain). Dpto. de Electronica; Zufiria, P. [Ciudad Universitaria, Madrid (Spain). Grupo de Redes Neuronales

2002-05-01

In this work, a methodology based on the neural network model called multilayer perceptron (MLP) to solve a typical problem in solar energy is presented. This methodology consists of the generation of synthetic series of hourly solar irradiation. The model presented is based on the capacity of the MLP for finding relations between variables for which interrelation is unknown explicitly. The information available can be included progressively at the series generator at different stages. A comparative study with other solar irradiation synthetic generation methods has been done in order to demonstrate the validity of the one proposed. (author)

Follow-Up Study of Former Materials/Logistics Management Students at Harper College, 1990-1995. Volume XXIV, Number 14.

Science.gov (United States)

Lucas, John A.; Magad, Eugene

In fall 1995, William Rainey Harper College in Illinois conducted a study of former students in the Materials/Logistics Management (MLM) program to determine their evaluation of their educational experiences in the program. The sample consisted of 298 former MLM students from 1990 to 1995, including 119 students who had earned 48 credit hours but…

Increasing faculty participation in resident education and providing cost-effective self-assessment module credit to faculty through resident-generated didactics.

Science.gov (United States)

Kim, Hyun; Malatesta, Theresa M; Anné, Pramila R; McAna, John; Bar-Ad, Voichita; Dicker, Adam P; Den, Robert B

Board certified radiation oncologists and medical physicists are required to earn self-assessment module (SAM) continuing medical education (CME) credit, which may require travel costs or usage fees. Data indicate that faculty participation in resident teaching activities is beneficial to resident education. Our hypothesis was that providing the opportunity to earn SAM credit in resident didactics would increase faculty participation in and improve resident education. SAM applications, comprising CME certified category 1 resident didactic lectures and faculty-generated questions with respective answers, rationales, and references, were submitted to the American Board of Radiology for formal review. Surveys were distributed to assess main academic campus physician, affiliate campus physician, physicist, and radiation oncology resident impressions regarding the quality of the lectures. Survey responses were designed in Likert-scale format. Sign-test was performed with P motivation to attend resident didactics (P = .004). Residents reported an increased amount of time required to prepare lectures (P = .008). We are the first department, to our knowledge, to offer SAM credit to clinical faculty for participation in resident-generated didactics. Offering SAM credit at resident lectures is a cost-effective alternative to purchasing SAM resources, increases faculty attendance, and may improve the quality of radiation oncology resident education. Copyright © 2016 American Society for Radiation Oncology. Published by Elsevier Inc. All rights reserved.

Prevalence of insufficient, borderline, and optimal hours of sleep among high school students - United States, 2007.

Science.gov (United States)

Eaton, Danice K; McKnight-Eily, Lela R; Lowry, Richard; Perry, Geraldine S; Presley-Cantrell, Letitia; Croft, Janet B

2010-04-01

We describe the prevalence of insufficient, borderline, and optimal sleep hours among U.S. high school students on an average school night. Most students (68.9%) reported insufficient sleep, whereas few (7.6%) reported optimal sleep. The prevalence of insufficient sleep was highest among female and black students, and students in grades 11 and 12. Published by Elsevier Inc.

CREDIT RISK MANAGEMENT IN THE COMMERCIAL BANKS IN ROMANIA

Directory of Open Access Journals (Sweden)

Mihaela SUDACEVSCHI

2014-04-01

Full Text Available Credit risk is one of the main risks faced by a bank. This kind of risk is generated by the crediting activity of the clients. To manage the credit risk, banks should identify the sources of the risk and to monitor their exposures. These activities mean a better knowledge of the existing and potential clients and their financial situations, by implementing new scoring methods. Also, to avoid the credit risk or to reduce losses, the banks could increase the value of guarantees required in regular credit activities, their periodically reassessment and the periodical analysis of the ability of customers to generate cash flows (for corporate clients and get constant income (for retail customers to provide repayment of credits. This paper aims to prevent and to analyze several measures of credit risk management and it assume that banks on the Romanian banking market and to identify some indices used for customers analysis.

Credit Cards on Campus: Academic Inquiry, Objective Empiricism, or Advocacy Research?

Science.gov (United States)

Manning, Robert D.; Kirshak, Ray

2005-01-01

Professors John M. Barron and Michael E. Staten's article in Vol. 34, No. 3 of this journal, "Usage of Credit Cards Received through College Student-Marketing Programs," purports to "provide benchmark measures of college student credit card usage." Based on empirical analyses of proprietary industry data, they conclude that "There is no…

WHAT INFLUENCE CREDIT CARD DEBTS IN YOUNG CONSUMERS IN MALAYSIA

OpenAIRE

Syed Shah ALAM; Ruzita Abdul RAHIM; Ridhwanul HAQ; Atiqur Rahman KHAN

2014-01-01

This paper examines empirically antecedents of the credit card debts in young consumers in Malaysia. We examine whether easy access to credit card, credit card related knowledge, aggressive promotion by credit card industry, low minimum payment requirement and attitude towards credit cards influence credit card debts in the younger generation. Regression model was used to meet the objectives. These findings based on a sample of 240 young credit card holders, show that the factors that affect ...

47 CFR 32.7210 - Operating investment tax credits-net.

Science.gov (United States)

2010-10-01

... 47 Telecommunication 2 2010-10-01 2010-10-01 false Operating investment tax credits-net. 32.7210....7210 Operating investment tax credits—net. (a) This account shall be charged and Account 4320, Unamortized Operating Investment Tax Credits—Net, shall be credited with investment tax credits generated from...

Value of burnup credit beyond actinides

International Nuclear Information System (INIS)

Lancaster, D.; Fuentes, E.; Kang, Chi.

1997-01-01

DOE has submitted a topical report to the NRC justifying burnup credit based only on actinide isotopes (U-234, U-235, U-236, U-238, Pu-238, Pu-239, Pu-240, Pu-241, Pu-242, and Am-241). When this topical report is approved, it will allow a great deal of the commercial spent nuclear fuel to be transported in significantly higher capacity casks. A cost savings estimate for shipping fuel in 32 assembly (burnup credit) casks as opposed to 24 assembly (non-burnup credit) casks was previously presented. Since that time, more detailed calculations have been performed using the methodology presented in the Actinide-Only Burnup Credit Topical Report. Loading curves for derated casks have been generated using actinide-only burnup credit and are presented in this paper. The estimates of cost savings due to burnup credit for shipping fuel utilizing 32, 30, 28, and 24 assembly casks where only the 24 assembly cask does not burnup credit have been created and are discussed. 4 refs., 2 figs

Exploring the Contribution of Extra Credit in Marketing Education

Science.gov (United States)

Elbeck, Matt; DeLong, Deborah

2015-01-01

This study advances the literature on the incidence, attitudes and motivations to complete extra credit assignments. Behavioral feedback from 59 marketing instructors and 43 Principles of Marketing students aligned with reported incidence rates of offering and completing extra credit assignments, respectively. This was followed with open-ended…

"Hour of Code": A Case Study

Science.gov (United States)

Du, Jie; Wimmer, Hayden; Rada, Roy

2018-01-01

This study investigates the delivery of the "Hour of Code" tutorials to college students. The college students who participated in this study were surveyed about their opinion of the Hour of Code. First, the students' comments were discussed. Next, a content analysis of the offered tutorials highlights their reliance on visual…

Sleep habits and patterns among medical students.

Science.gov (United States)

Bahammam, Ahmed S; Al-Khairy, Omar K; Al-Taweel, Ahmed A

2005-04-01

This study was designed to assess sleep patterns among male medical students at different academic levels. Participants in this study were healthy male medical students in the first (L1), second (L2) and third (L3) academic levels of the College of Medicine, King Saud University, Riyadh, Saudi Arabia. The study was conducted during November 2001. A self-administered questionnaire was distributed to students to assess age, academic level, registered credit hours, sleep-wake schedule, naps, quality of sleep, total sleep time at night, possible factors affecting bedtime, and daytime sleepiness using the Epworth Sleepiness Scale (ESS). The final analysis included 129 students. Total sleep time at night + nap of the whole group was 5.9 +/- 1.6 hours. Twenty-nine students (22.4%) were defined to have excessive daytime sleepiness (EDS) based on ESS score of >10. Also, 83.3% of students reported napping during the daytime more than twice per week. Analysis of the sleep pattern of male medical students revealed that this group is sleep deprived, which in turn may affect their academic performance.

A coupled weather generator - rainfall-runoff approach on hourly time steps for flood risk analysis

Science.gov (United States)

Winter, Benjamin; Schneeberger, Klaus; Dung Nguyen, Viet; Vorogushyn, Sergiy; Huttenlau, Matthias; Merz, Bruno; Stötter, Johann

2017-04-01

The evaluation of potential monetary damage of flooding is an essential part of flood risk management. One possibility to estimate the monetary risk is to analyze long time series of observed flood events and their corresponding damages. In reality, however, only few flood events are documented. This limitation can be overcome by the generation of a set of synthetic, physically and spatial plausible flood events and subsequently the estimation of the resulting monetary damages. In the present work, a set of synthetic flood events is generated by a continuous rainfall-runoff simulation in combination with a coupled weather generator and temporal disaggregation procedure for the study area of Vorarlberg (Austria). Most flood risk studies focus on daily time steps, however, the mesoscale alpine study area is characterized by short concentration times, leading to large differences between daily mean and daily maximum discharge. Accordingly, an hourly time step is needed for the simulations. The hourly metrological input for the rainfall-runoff model is generated in a two-step approach. A synthetic daily dataset is generated by a multivariate and multisite weather generator and subsequently disaggregated to hourly time steps with a k-Nearest-Neighbor model. Following the event generation procedure, the negative consequences of flooding are analyzed. The corresponding flood damage for each synthetic event is estimated by combining the synthetic discharge at representative points of the river network with a loss probability relation for each community in the study area. The loss probability relation is based on exposure and susceptibility analyses on a single object basis (residential buildings) for certain return periods. For these impact analyses official inundation maps of the study area are used. Finally, by analyzing the total event time series of damages, the expected annual damage or losses associated with a certain probability of occurrence can be estimated for

How Many Hours of Instruction Are Needed for Students to Become Competent in Engineering Subjects?

Science.gov (United States)

Perdigones, Alicia; Benedicto, Susana; Sánchez-Espinosa, Elvira; Gallego, Eutiquio; García, José L.

2014-01-01

The aim of this work was to compare the curricula of three different agricultural engineering courses and to determine the competence of graduating students in three subject areas in order to identify possible shortfalls in the number of hours of instruction (HI) required for full competence to be attained. A total of 132 students sat a voluntary…

MODELING CREDIT RISK THROUGH CREDIT SCORING

OpenAIRE

Adrian Cantemir CALIN; Oana Cristina POPOVICI

2014-01-01

Credit risk governs all financial transactions and it is defined as the risk of suffering a loss due to certain shifts in the credit quality of a counterpart. Credit risk literature gravitates around two main modeling approaches: the structural approach and the reduced form approach. In addition to these perspectives, credit risk assessment has been conducted through a series of techniques such as credit scoring models, which form the traditional approach. This paper examines the evolution of...

Credit card spending limit and personal finance: system dynamics approach

Directory of Open Access Journals (Sweden)

Mirjana Pejić Bach

2014-03-01

Full Text Available Credit cards have become one of the major ways for conducting cashless transactions. However, they have a long term impact on the well being of their owner through the debt generated by credit card usage. Credit card issuers approve high credit limits to credit card owners, thereby influencing their credit burden. A system dynamics model has been used to model behavior of a credit card owner in different scenarios according to the size of a credit limit. Experiments with the model demonstrated that a higher credit limit approved on the credit card decreases the budget available for spending in the long run. This is a contribution toward the evaluation of action for credit limit control based on their consequences.

Analytical Study of Self-Motivations among a Southwest Public University Nonpolitical Science Major Students in Required Political Science Courses

Science.gov (United States)

Gasim, Gamal; Stevens, Tara; Zebidi, Amira

2012-01-01

All undergraduate students are required by state law to take six credited hours in political science. This study will help us identify if differences exist in self-determination among students enrolled in American Public Policy and American Government at a large, Southwestern public university. Because some types of motivation are associated with…

40 CFR 1039.705 - How do I generate and calculate emission credits?

Science.gov (United States)

2010-07-01

... engine power of all the engine configurations within an engine family, calculated on a sales-weighted..., NOX+NMHC, or PM. (a) [Reserved] (b) For each participating family, calculate positive or negative... credits for a family that has an FEL below the standard. Calculate negative emission credits for a family...

47 CFR 32.4330 - Unamortized nonoperating investment tax credits-net.

Science.gov (United States)

2010-10-01

... 47 Telecommunication 2 2010-10-01 2010-10-01 false Unamortized nonoperating investment tax credits... Sheet Accounts § 32.4330 Unamortized nonoperating investment tax credits—net. (a) This account shall be credited and Account 7400, Nonoperating Taxes, shall be debited with investment tax credits generated from...

Relationship of Work Hours with Selected Health Behaviors and Academic Progress among a College Student Cohort

Science.gov (United States)

Miller, Kim; Danner, Fred; Staten, Ruth

2008-01-01

Approximately 57% of college students work while attending school. Health risks related to working while in college have not been widely studied. Objective: The authors' purpose in this study was to determine associations between hours worked, binge drinking, sleep habits, and academic performance among a college student cohort. Participants and…

A Statistical Model for Hourly Large-Scale Wind and Photovoltaic Generation in New Locations

DEFF Research Database (Denmark)

Ekstrom, Jussi; Koivisto, Matti Juhani; Mellin, Ilkka

2017-01-01

The analysis of large-scale wind and photovoltaic (PV) energy generation is of vital importance in power systems where their penetration is high. This paper presents a modular methodology to assess the power generation and volatility of a system consisting of both PV plants (PVPs) and wind power...... of new PVPs and WPPs in system planning. The model is verified against hourly measured wind speed and solar irradiance data from Finland. A case study assessing the impact of the geographical distribution of the PVPs and WPPs on aggregate power generation and its variability is presented....

Healthy Young Minds: The Effects of a 1-hour Classroom Workshop on Mental Illness Stigma in High School Students

Science.gov (United States)

Ke, Sally; Lai, Joshua; Sun, Terri; Yang, Michael M. H.; Wang, Jay Ching Chieh; Austin, Jehannine

2014-01-01

Background This study aimed to test the effects of a one-hour classroom-based workshop, led by medical students, on mental illness stigma amongst secondary school students. Method Students (aged 14–17) from three public secondary schools in British Columbia participated in the workshop. A questionnaire measuring stigma (including stereotype endorsement and desire for social distance) was administered immediately before (T1), immediately after (T2), and 1-month post-workshop (T3). Results A total of 279 students met the study inclusion criteria. Total scores on the stigma scale decreased by 23% between T1 and T2 (pstigma reduction compared to pre-intervention (preduced through a one-hour easily implementable and cost-effective classroom-based workshop led by medical students. PMID:25017811

MODEL PENSKORAN PARTIAL CREDIT PADA BUTIR MULTIPLE TRUE-FALSE BIDANG FISIKA

Directory of Open Access Journals (Sweden)

Wasis Wasis

2013-01-01

Full Text Available Tujuan penelitian ini menghasilkan model penskoran politomus untuk respons butir multiple true-false, sehingga dapat mengestimasi secara lebih akurat kemampuan di bidang fisika. Pengembangan penskoran menggunakan Four-D model dan diuji akurasinya melalui penelitian empiris dan simulasi. Penelitian empiris menggunakan 15 butir multiple true-false yang diambil dari soal UMPTN tahun 1996-2006 dan dikenakan pada 410 mahasiswa baru FMIPA Universitas Negeri Surabaya angkatan tahun 2007. Respons peserta tes diskor dengan tiga model partial credit (PCM I; II; dan III dan secara dikotomus. Hasil penskoran dianalisis dengan program Quest untuk mendapat-kan estimasi tingkat kesukaran butir (δ dan estimasi ke-mampuan peserta (θ untuk menentukan nilai fungsi informasi tes dan kesalahan baku estimasi. Penelitian simulasi mengguna-kan data bangkitan berdasarkan parameter empiris (δ dan θ memakai program statistik SAS dan akurasi estimasinya di-analisis dengan metode root mean squared error (RMSE. Hasil penelitian ini menunjukkan: (i Penskoran PCM dengan pem-bobotan mampu mengestimasi kemampuan lebih akurat di-bandingkan tanpa pembobotan maupun secara dikotomus; (ii Semakin banyak jumlah kategori dalam penskoran partial credit, semakin akurat. Kata kunci: model penskoran partial credit, butir multiple true-false ____________________________________________________________ THE PARTIAL CREDIT SCORING MODEL FOR THE MULTIPLE TRUE-FALSE BUTIRS IN PHYSICS Abstract This study is an attempt to overcome the weaknesses. This study aims to produce a polytomous scoring model for responses to multiple true-false butirs in order to get a more accurate estimation of abilities in physics. It adopts the Four-D model and its accuracy is assessed through empirical and simulation studies. The empirical study employed 15 multiple true-false butirs taken from the New Students Entrance Test of State University the year of 1996–2006. It administered to 410 new students enrolled

Economic Valuation of a Geothermal Production Tax Credit

Energy Technology Data Exchange (ETDEWEB)

Owens, B.

2002-04-01

The United States (U.S.) geothermal industry has a 45-year history. Early developments were centered on a geothermal resource in northern California known as The Geysers. Today, most of the geothermal power currently produced in the U.S. is generated in California and Nevada. The majority of geothermal capacity came on line during the 1980s when stable market conditions created by the Public Utility Regulatory Policies Act (PURPA) in 1978 and tax incentives worked together to create a wave of geothermal development that lasted until the early 1990s. However, by the mid-1990s, the market for new geothermal power plants began to disappear because the high power prices paid under many PURPA contracts switched to a lower price based on an avoided cost calculation that reflected the low fossil fuel-prices of the early 1990s. Today, market and non-market forces appear to be aligning once again to create an environment in which geothermal energy has the potential to play an important role in meeting the nation's energy needs. One potentially attractive incentive for the geothermal industry is the Production Tax Credit (PTC). The current PTC, which was enacted as part of the Energy Policy Act of 1992 (EPAct) (P.L. 102-486), provides an inflation-adjusted 1.5 cent per kilowatt-hour (kWh) federal tax credit for electricity produced from wind and closed-loop biomass resources. Proposed expansions would make the credit available to geothermal and solar energy projects. This report focuses on the project-level financial impacts of the proposed PTC expansion to geothermal power plants.

29 CFR 531.59 - The tip wage credit.

Science.gov (United States)

2010-07-01

... 29 Labor 3 2010-07-01 2010-07-01 false The tip wage credit. 531.59 Section 531.59 Labor Regulations Relating to Labor (Continued) WAGE AND HOUR DIVISION, DEPARTMENT OF LABOR REGULATIONS WAGE PAYMENTS UNDER THE FAIR LABOR STANDARDS ACT OF 1938 Interpretations Payment of Wages to Tipped Employees...

Effects on Funding Equity of the Arizona Tax Credit Law

Directory of Open Access Journals (Sweden)

Glen Y. Wilson

2000-08-01

Full Text Available This article examines the results from the first year (1998 of the Arizona Education Tax Credit program. The tax credit law allows individuals a dollar- for-dollar tax credit of $500 for donations to private schools and a dollar-for-dollar tax credit of $200 for donations to public schools. Although one justification for this statute was that it would help lower income students, the primary beneficiaries of this program tend to be the relatively well off. The author concludes that Arizona's tax credit law increases educational funding inequity in Arizona. Data for 1999, only recently made available, show a 159.1 percent increase in total contributions and an exacerbation of the trends noted here.

First Generation Students and Post-Undergraduate Aspirations

Directory of Open Access Journals (Sweden)

Morgan Teressa Carlton

2015-11-01

Full Text Available Equal access to education is a growing concern throughout the nation. With an increasing amount of programs aimed to support the underrepresented populations on college campuses, first generation college students have grown to be a target population of particular interest. This study examined the relationships between first generation college seniors and applications to graduate or professional programs. The goal of this study was to determine if first generation students are pursuing advanced degrees at lower rates than non-first generation students and if so, attempt to uncover factors contributing to that evidence. Data were gathered from the National Longitudinal Survey of Freshman data set, and variables were analyzed using a binary logistic regression. The results of the study indicate that first generation students are significantly less likely to pursue an advanced degree, even when controlling for race, gender, family income, and cumulative grade point average, suggesting a distinctive impact of first generation status on post-undergraduate aspirations. However, after controlling for the impact of self-reported undergraduate loans, the effect of first generation status was no longer significant. The findings in this study provide an important new perspective in the field of sociology.

Vertical Integration of Geographic Information Sciences: A Recruitment Model for GIS Education

Science.gov (United States)

Yu, Jaehyung; Huynh, Niem Tu; McGehee, Thomas Lee

2011-01-01

An innovative vertical integration model for recruiting to GIS education was introduced and tested following four driving forces: curriculum development, GIS presentations, institutional collaboration, and faculty training. Curriculum development was a useful approach to recruitment, student credit hour generation, and retention-rate improvement.…

40 CFR 1042.705 - Generating and calculating emission credits.

Science.gov (United States)

2010-07-01

... the given engine family during the model year, as described in paragraph (c) of this section. Power = The average value of maximum engine power of all the engine configurations within an engine family..., NOX+HC, or PM. (a) For each participating family, calculate positive or negative emission credits...

Generation Z: Educating and Engaging the Next Generation of Students

Science.gov (United States)

Seemiller, Corey; Grace, Meghan

2017-01-01

In 1995, the Internet was born. So, too, was Generation Z. The oldest of this post-Millennial generation arrived to college in 2013, and more than four years later, Generation Z students fill the nation's classrooms, campus programs, and residence halls. In order to recruit, educate, and graduate this new generational cohort effectively, educators…

40 CFR 1045.705 - How do I generate and calculate exhaust emission credits?

Science.gov (United States)

2010-07-01

... during the model year, as described in § 1045.701(j). Power = maximum engine power for the family, in... manufacturer. (a) For each participating family, calculate positive or negative emission credits relative to the otherwise applicable emission standard. Calculate positive emission credits for a family that has...

THE USE OF LINEAR PROGRAMMING TO EVALUATE THE IMPACT OF CREDIT FOR INVESTMENTS IN SMALL GOAT FARMS

Directory of Open Access Journals (Sweden)

Henrique Rocha de Medeiros

2009-02-01

Full Text Available The PRONAF is a government program that subsidies the credit for investment to smallholder farming and improves the social development in Brazil. This research was carried out to evaluate the effect of increasing the value of credit for investment used for the PRONAF farmers in semiarid areas, and their impact on the income and labor in the smallholder farming production systems. Economic data of dairy and meat goat systems of PRONAF farmes in ";;;;;Rio Grande do Norte";;;;;, Brazil was used. The limits of the model were the credit for investment, maximum number of animals in the system and the labor time. The current value of credit for investment (US$2,850.00 was increased by 25%, 50% and 100% and its impact in the farm income analized when considering milk and meat production. The maximum number of animals in the system was estimated by multiplying the carrying capacity (1.5 heads/ha/year plus the average pasture areas of PRONAF farms (35 ha. The maximum labor time available for work was 12 hours/day. This mathematical model was solved using linear programming with LINDO(R Software. When the credit for investment was expanded in 25% and 50%, the income of the system increased to 22% and 41%, respectively. It happened because the value of the credit allowed also enhance the number of dairy goats in the system. However, this income was not enough to use and pay more than 5 hours/day in dairy goat system activities. By raising the credit for investment up to 100% it would increase the income of the system around 81%. It happened because the number of dairy goats went up to 83% and the dairy production was had better results than meat production. The system with more dairy goats enough incme to pay the farmer labor (7 hours/day and during the other five g¿hours could develop another activity. Therefore, the results of the analysis indicated that an increase in the credit for investment in small goat farms in semi-ard areas in Brazil

Evaluation of Individual and Aggregate Credit Institutions Management’s Performance

Directory of Open Access Journals (Sweden)

Nicolae Dardac

2008-05-01

Full Text Available Data Envelopment Analysis method allows both the measurement of the relative efficiency of an homogenous group of credit institutions, and the identification of those banking activity’s components generating a state of inefficiency. The present study focuses on this last issue, by proposing an interpretation of inefficiency signals and by strengthening the major role played by the credit institution’s executive board in designing a viable, coherent business strategy and in defining its risk profile.DEA method places all the efficient credit institutions on the efficiency frontier, without allowing their differentiation. In order to exceed this limit, we have analysed and compared two ranking techniques. The results obtained suggest that the hierarchy generated by the two techniques hasn’t changed significantly for almost 60% of our sample of credit institutions.

War of the Credit Cards.

Science.gov (United States)

Nicklin, Julie L.

1993-01-01

Increasingly, colleges are offering affinity credit cards with attractive incentives as a marketing tool. Some in academe feel the trend may compromise educational objectives. Institutions may also face taxation on unrelated-business income generated through the cards. (MSE)

Intra-Hour Dispatch and Automatic Generator Control Demonstration with Solar Forecasting - Final Report

Energy Technology Data Exchange (ETDEWEB)

Coimbra, Carlos F. M. [Univ. of California, San Diego, CA (United States

2016-02-25

In this project we address multiple resource integration challenges associated with increasing levels of solar penetration that arise from the variability and uncertainty in solar irradiance. We will model the SMUD service region as its own balancing region, and develop an integrated, real-time operational tool that takes solar-load forecast uncertainties into consideration and commits optimal energy resources and reserves for intra-hour and intra-day decisions. The primary objectives of this effort are to reduce power system operation cost by committing appropriate amount of energy resources and reserves, as well as to provide operators a prediction of the generation fleet’s behavior in real time for realistic PV penetration scenarios. The proposed methodology includes the following steps: clustering analysis on the expected solar variability per region for the SMUD system, Day-ahead (DA) and real-time (RT) load forecasts for the entire service areas, 1-year of intra-hour CPR forecasts for cluster centers, 1-year of smart re-forecasting CPR forecasts in real-time for determination of irreducible errors, and uncertainty quantification for integrated solar-load for both distributed and central stations (selected locations within service region) PV generation.

The Fiscal Impact of the Kentucky Education Tax Credit Program

Science.gov (United States)

Gottlob, Brian J.

2006-01-01

This study examines the fiscal impact of a proposal to create a personal tax credit for educational expenses and a tax-credit scholarship program in Kentucky. It finds that the actual fiscal impact of the program would be much less than its nominal dollar size, due to the reduced public school costs resulting from migration of students from public…

Optimal advanced credit releases in ecosystem service markets.

Science.gov (United States)

BenDor, Todd K; Guo, Tianshu; Yates, Andrew J

2014-03-01

Ecosystem service markets are popular policy tools for ecosystem protection. Advanced credit releases are an important factor affecting the supply side of ecosystem markets. Under an advanced credit release policy, regulators give ecosystem suppliers a fraction of the total ecosystem credits generated by a restoration project before it is verified that the project actually achieves the required ecological thresholds. In spite of their prominent role in ecosystem markets, there is virtually no regulatory or research literature on the proper design of advanced credit release policies. Using U.S. aquatic ecosystem markets as an example, we develop a principal-agent model of the behavior of regulators and wetland/stream mitigation bankers to determine and explore the optimal degree of advance credit release. The model highlights the tension between regulators' desire to induce market participation, while at the same time ensuring that bankers successfully complete ecological restoration. Our findings suggest several simple guidelines for strengthening advanced credit release policy.

Credit-proofing fundamentals for a solid credit policy

Energy Technology Data Exchange (ETDEWEB)

Lydiatt, I. [KeySpan Energy Canada, Calgary, AB (Canada)

2003-07-01

This Power Point presentation presented the basics of a credit policy with reference to corporate objectives, governance, credit definitions, subjective/objective elements, quantification of full risk, management, monitoring, reporting and gate-keeping processes. Options for a credit policy were described as being approval authority grids, confidentiality issues, credit scoring, corporate risk levels, follow-up collection calling, and procedures on unapproved exposures. Recommendations for setting risk and credit limits were also presented with a note emphasizing that in the past 6 months credit evaluation processes have had to deal with the media risk, a new risk that has not been seen before. This risk can be addressed by careful monitoring of stock prices. The paper also presented recommendations for what to look for as indicators and how to deal with risk in volatile price periods. Credit tools for volatile times were described. 1 tab.

Credit-proofing fundamentals for a solid credit policy

International Nuclear Information System (INIS)

Lydiatt, I.

2003-01-01

This Power Point presentation presented the basics of a credit policy with reference to corporate objectives, governance, credit definitions, subjective/objective elements, quantification of full risk, management, monitoring, reporting and gate-keeping processes. Options for a credit policy were described as being approval authority grids, confidentiality issues, credit scoring, corporate risk levels, follow-up collection calling, and procedures on unapproved exposures. Recommendations for setting risk and credit limits were also presented with a note emphasizing that in the past 6 months credit evaluation processes have had to deal with the media risk, a new risk that has not been seen before. This risk can be addressed by careful monitoring of stock prices. The paper also presented recommendations for what to look for as indicators and how to deal with risk in volatile price periods. Credit tools for volatile times were described. 1 tab

Expanding Gerontology Enrollments: Successful Results of an Innovative Outreach Program

Science.gov (United States)

Reynolds, Sandra L.; Haley, William E.; Hyer, Kathryn

2007-01-01

As state budget allocations for higher education decrease, "specialty" programs such as gerontology must continually demonstrate their productivity. State and private universities increasingly rely on student credit hours (SCH) or tuition generated, which is making it difficult for many gerontology programs to expand. The School of Aging Studies…

Credit risk in liberalised power and natural gas markets

International Nuclear Information System (INIS)

Lapson, E.; Hunter, Richard

1999-01-01

This chapter examines the relationship of market structure and price volatility to credit risk, and discusses credit risk and energy market structures, credit risk in bilateral contracts, market evolution, and the effect of liberalising power markets on credit quality considering the power liberalising in Europe, the pace of change, and the new risks and opportunities. The market structure in Europe is addressed, and the EU Directive 96/92/EC, structural requirements, access for new generation capacity, and transmission costs are considered. Details of the liberalisation in the UK electricity market, the German market, and the Nord Pool are given, and the best credit practices in bilateral markets, and the quantifying of expected credit loss are described. Panels highlighting the need to know your counterparty in evaluating and negotiating bilateral contracts, and lessons learnt from the June 1998 US power price spike are presented

40 CFR 91.207 - Credit calculation and manufacturer compliance with emission standards.

Science.gov (United States)

2010-07-01

... engine family in kW (sales weighted). The power of each configuration is the rated output in kilowatts as... emission standards. (a) For each engine family, certification emission credits (positive or negative) are... of nitrogen credit status for an engine family, whether generating positive credits or negative...

Burnup credit effect on proposed cask payloads

International Nuclear Information System (INIS)

Hall, I.K.

1989-01-01

The purpose of the Cask Systems Development Program (CSDP) is to develop a variety of cask systems which will allow safe and economical movement of commercial spent nuclear fuel and high-level waste from the generator to the Federal repository or Monitored Retrievable Storage (MRS) facility. Program schedule objectives for the initial phase of the CSDP include the development of certified spent fuel cask systems by 1995 to support Office of Civilian Radioactive Waste Management shipments from the utilities beginning in the late 1990s. Forty-nine proposals for developing a family of spent fuel casks were received and comparisons made. General conclusions that can be drawn from the comparisons are that (1) the new generation of casks will have substantially increased payloads in comparison to current casks, and (2) an even greater payload increase may be achievable with burnup credit. The ranges in the payload estimates do not allow a precise separation of the payload increase attributable to the proposed allowance of fuel burnup credit, as compared wilt the no-burnup-credit case. The beneficial effects of cask payload increases on overall costs and risks of transporting spent fuel are significant; therefore further work aimed toward taking advantage of burnup credit is warranted

The value of near-peer teaching in the medical curriculum: a medical student's perspective

Directory of Open Access Journals (Sweden)

Kalsi IA

2018-04-01

Full Text Available Ishar Alexander Kalsi GKT School of Medical Education, Faculty of Life Sciences and Medicine, King’s College London, London, UKIt is with both interest and sympathy that I read the research letter published by Sonagara et al1 about the numerous advantages of near-peer teaching and the recommendation that it should be part of the medical syllabus. As a medical student at King’s College London, I am a member of a near-peer learning scheme. Our peer-assisted learning (PAL scheme is designed to complement the material taught in lectures. In groups of five students, we select a lecture to revise together with our PAL tutors (senior medical students for one hour weekly. A self-made presentation, mock exam questions, and diagrams are commonly used as material in PAL sessions. It is the PAL tutors themselves who generate this material, while balancing their own study needs; thus, I find credit in the statement of how time management skills improve through peer teaching. View the original paper by Sonagara and colleagues. 

Reaching Our Successors: Millennial Generation Medical Students ...

African Journals Online (AJOL)

... life as a plastic surgeon and the ability of plastic surgeons to provide good role models for medical students. Female medical students were more concerned with gender equity and work-life balance in selecting plastic surgery compared to male medical students. Keywords: Career, medical students, millennial generation, ...

Generation 1.5--a different kind of millennial student.

Science.gov (United States)

Davidson, Emily J

2011-01-01

Much attention has been paid to so-called "millennial students" in recent years, particularly regarding their relationship to technology, learning, and communication. Less notice has been taken of another kind of millennial student increasingly represented in our classrooms --those who were born in another country, but received a significant amount of their schooling here. Often referred to as Generation 1.5 because they have language characteristics in common with first- and second-generation immigrants, these bilingual students are a valuable resource for the physician assistant (PA) profession. However, just as teaching native-born millennial students may require some adjustment of instructional methods, Generation 1.5 students will require PA educators to pay closer attention to some aspects of teaching and learning. This article will discuss some of the particular challenges that Generation 1.5 students face and will argue that these challenges can be met in ways that are likely to help other nontraditional students as well.

CO2 credit or energy credit in emission trading?

International Nuclear Information System (INIS)

Hu, E.

2002-01-01

Emission trading is a good concept and approach to tackle global warming. However, what ''currency'' or ''credit'' should be used in the trading has remained a debatable topic. This paper proposed an ''Energy Credit'' concept as an alternative to the ''CO 2 credit'' that is currently in place. From the thermodynamic point of view, the global warming problem is an ''energy balance'' problem. The energy credit concept is thought to be more thermodynamically correct and tackles the core of the global warming problem more directly. The Energy credit concept proposed can be defined as: the credit to offset the extra energy trapped/absorbed in the earth (and its atmosphere) due to the extra anthropogenic emission (or other activities) by a country or company. A couple of examples are given in the paper to demonstrate the concept of the Energy credit and its advantages over the CO 2 credit concept. (author)

A Classroom Market for Extra Credit: A Semester-Long Experiment

Science.gov (United States)

Staveley-O'Carroll, James

2016-01-01

This article describes an innovative pedagogical technique, applicable to most economics courses, that offers students a deeper understanding of market equilibrium, inflation, real and nominal interest rates, intertemporal choice, and financial markets. Students earn extra credit, pooled together for the entire class, by correctly answering…

Detecting Math Anxiety with a Mixture Partial Credit Model

Science.gov (United States)

Ölmez, Ibrahim Burak; Cohen, Allan S.

2017-01-01

The purpose of this study was to investigate a new methodology for detection of differences in middle grades students' math anxiety. A mixture partial credit model analysis revealed two distinct latent classes based on homogeneities in response patterns within each latent class. Students in Class 1 had less anxiety about apprehension of math…

Comparing millennial and generation X medical students at one medical school.

Science.gov (United States)

Borges, Nicole J; Manuel, R Stephen; Elam, Carol L; Jones, Bonnie J

2006-06-01

Two main generational cohorts comprising students enrolled in medical schools today are Generation Xers (born 1965-1980) and Millennial students (born 1981-1999). A subset is Cuspars (born 1975-1980), who share traits with both generations. Population theorists ascribe different personal characteristics, attitudes, and preferences to each group. The authors examined whether selected characteristics describing Generation X and Millennial students were quantifiable using a personality measure. Differences among Generation X, Millennial, and Cuspar medical students were investigated. Eight hundred and nine medical students (399 females and 410 males) who matriculated between 1989-94 and 2001-04 at the Northeastern Ohio Universities College of Medicine completed the 16 Personality Factor Questionnaire (16PF). Differences in responses to the 16PF among the three generations were analyzed using multivariate analysis of variance (MANOVA). Analyses showed significant differences for Generation X versus Millennial students on 10 of the 16 personality factors. Millennial students scored significantly higher than Generation X students on factors including Rule-Consciousness, Emotional Stability, and Perfectionism; Generation X students scored higher than Millennials on Self-Reliance. Millennials also were significantly different from Generation Xers on several other factors. Significant differences were noted among Cuspars, Generation Xers, and Millennials. The 16PF is a useful tool to examine differences among these groups and to help understand the factors that constitute their personalities. Given differences among the generational groups, the authors forecast possible educational implications for medical school academic affairs and student services, and suggest areas for future research.

Socialization and Information Horizons: Source Use Behavior of First-Generation and Continuing-Generation College Students

Science.gov (United States)

Tsai, Tien-I

2013-01-01

First-generation college (FGC) students have been described as an underrepresented group in comparison to their continuing-generation counterparts (non-FGC students). Studying college students' socialization experiences and their use of academic resources can help us understand how to facilitate their academic success. Incorporating…

Perceived Academic Preparedness of First-Generation Latino College Students

Science.gov (United States)

Boden, Karen

2011-01-01

First-generation Latino college students may be characterized as underprepared for college. Research points to low performance on placement tests. However, students may not perceive themselves as academically underprepared for college. This study explored first-generation Latino students' perceptions of their academic preparedness. Seven students…

A Study of At-Risk Students' Perceptions of an Online Academic Credit Recovery Program in an Urban North Texas Independent School District

Science.gov (United States)

Buckley, Mychl K.

2012-01-01

The purpose of this research study was to describe and analyze at-risk high school students' perceptions of their experiences with online academic credit recovery classes offered to them through an urban school district's dropout prevention department. The review of literature concerning curricula for online programs revealed that the variety of…

Review of 12-hour shifts at nuclear generating stations

International Nuclear Information System (INIS)

Smiley, A.; Moray, N.P.

1989-04-01

This project reviewed the practice of 12-hour shift work schedules at nuclear power plants, and its relationship to safety. The current literature was examined for information on accidents, fatigue and personal preferences. Interviews with operators and maintainers showed that these groups had attitude and preference differences related to both 12 hour shift schedules and overtime work opportunities. Several factors related to 12-hour schedules were identified which could affect safety, but which have not been adequately considered. (24 refs.)

Parent-Student Communication about College and Freshman Grades in First-Generation and Non-First-Generation Students

Science.gov (United States)

Palbusa, Julienne A.; Gauvain, Mary

2017-01-01

Prior research has found that students whose parents attended college begin college with more understanding of higher education than do first-generation students (Engle, 2007). Parents pass on knowledge along with advice and emotional support that help their children when they encounter new challenges, such as the transition to college. This study…

Understanding Credit Risk: A Classroom Experiment

Science.gov (United States)

Servatka, Maros; Theocharides, George

2011-01-01

This classroom experiment introduces students to the notion of credit risk and expected return, by allowing them to trade on comparable corporate bond issues from two types of markets: investment-grade and high-yield markets. Investment-grade issues have a lower probability of default than high-yield issues and thus provide a lower yield.…

A methodology for the stochastic generation of hourly synthetic direct normal irradiation time series

Science.gov (United States)

Larrañeta, M.; Moreno-Tejera, S.; Lillo-Bravo, I.; Silva-Pérez, M. A.

2018-02-01

Many of the available solar radiation databases only provide global horizontal irradiance (GHI) while there is a growing need of extensive databases of direct normal radiation (DNI) mainly for the development of concentrated solar power and concentrated photovoltaic technologies. In the present work, we propose a methodology for the generation of synthetic DNI hourly data from the hourly average GHI values by dividing the irradiance into a deterministic and stochastic component intending to emulate the dynamics of the solar radiation. The deterministic component is modeled through a simple classical model. The stochastic component is fitted to measured data in order to maintain the consistency of the synthetic data with the state of the sky, generating statistically significant DNI data with a cumulative frequency distribution very similar to the measured data. The adaptation and application of the model to the location of Seville shows significant improvements in terms of frequency distribution over the classical models. The proposed methodology applied to other locations with different climatological characteristics better results than the classical models in terms of frequency distribution reaching a reduction of the 50% in the Finkelstein-Schafer (FS) and Kolmogorov-Smirnov test integral (KSI) statistics.

The capacity credit of micro-combined heat and power

International Nuclear Information System (INIS)

Hawkes, A.D.; Leach, M.A.

2008-01-01

This article is concerned with development of a methodology to determine the capacity credit of micro-combined heat and power (micro-CHP), and application of the method for the UK. Capacity credit is an important parameter in electricity system planning because it measures the amount of conventional generation that would be displaced by an alternative technology. Firstly, a mathematical formulation is presented. Capacity credit is then calculated for three types of micro-CHP units-Stirling engine, internal combustion engine, and fuel cell systems-operating under various control strategies. It is found that low heat-to-power ratio fuel cell technologies achieve the highest capacity credit of approximately 85% for a 1.1 GW penetration when a heat-led control strategy is applied. Higher heat-to-power ratio Stirling engine technology achieves approximately 33% capacity credit for heat-led operation. Low heat-to-power ratio technologies achieve higher capacity credit because they are able to continue operating even when heat demand is relatively low. Capacity credit diminishes as penetration of the technology increases. Overall, the high capacity credit of micro-CHP contributes to the viewpoint that the technology can help meet a number of economic and environmental energy policy aims

Structured student-generated videos for first-year students at a dental school in Malaysia.

Science.gov (United States)

Omar, Hanan; Khan, Saad A; Toh, Chooi G

2013-05-01

Student-generated videos provide an authentic learning experience for students, enhance motivation and engagement, improve communication skills, and improve collaborative learning skills. This article describes the development and implementation of a student-generated video activity as part of a knowledge, observation, simulation, and experience (KOSE) program at the School of Dentistry, International Medical University, Kuala Lumpur, Malaysia. It also reports the students' perceptions of an activity that introduced first-year dental students (n=44) to clinical scenarios involving patients and dental team aiming to improve professional behavior and communication skills. The learning activity was divided into three phases: preparatory phase, video production phase, and video-watching. Students were organized into five groups and were instructed to generate videos addressing given clinical scenarios. Following the activity, students' perceptions were assessed with a questionnaire. The results showed that 86 percent and 88 percent, respectively, of the students agreed that preparation of the activity enhanced their understanding of the role of dentists in provision of health care and the role of enhanced teamwork. In addition, 86 percent and 75 percent, respectively, agreed that the activity improved their communication and project management skills. Overall, the dental students perceived that the student-generated video activity was a positive experience and enabled them to play the major role in driving their learning process.

Facilitating Student-Generated Content Using Web 2.0 Technologies

Science.gov (United States)

Lee, Eunbae

2011-01-01

Web 2.0 technologies have created a trend of user-generated content by supporting media production, collaboration, communication, and dissemination. User-generated content is translated into student-generated content (SGC) in education. SGC engages learners in an authentic project that fosters students' autonomy, creativity, and real-world…

CONTINGENCIES FOR MEASUREMENT OF THE CREDIT RISK

Directory of Open Access Journals (Sweden)

Marinela BARBULESCU

2015-12-01

Full Text Available The Global Financial Crisis, which affected various banks, some of them very important banks, highlighted the importance of an accurate credit risk measurement in order to be able to overcome it. There are a variety of such credit risk measurement models, so we can say that banks face a real dilemma when having to choose the most appropriate one. The aim of this paper is to examine the most popular methods used to measure the credit risk and to identify the strengths and the weaknesses of each one of it. The research was accomplished from a double perspective, in which the conceptual methodological approach is correlated to a variety of references to practical actions aiming the measurement and the prevention of credit risk. The study includes the presentation of the objectives of credit risk analysis, the most appropriate moments for doing such an analysis, the steps that have to be done in order to measure the credit risk, the errors that can overcome in the credit risk measurement system, generated by the misclassifications of the studied company, and the presentation of the specific information of financial creditors. The findings expressed in this paper were mainly the result of a qualitative analysis which showed that there is no best model for credit risk measurement, each one having both strengths and weaknesses, some providing a comprehensive analysis of the individual customer’s financial strength others allowing banks permanently monitor fluctuating default risk and identify the possibly problems at an early stage.

Risk of Credit Cooperatives: An analysis based on the profile of the cooperated

Directory of Open Access Journals (Sweden)

José Roberto de Souza Francisco

2012-12-01

Full Text Available This work has as purpose to analyze among the credit operations, those that generate larger breach of contract risk for the cooperative, with base in the profile of the cooperated, and to identify which the strategies can be pointed to avoid possible flaws in the next credit analyses. The work was divided in three stages. The first stage refers to the National Financial System, with the objective of demonstrating as in him the Cooperatives of Credit are inserted. The second stage approaches the System of Cooperative Credit, it presents that form is structured and his/her hierarchical level. The third stage treats of the System of Risk of Credit, in the which the risk, administration and the models of credit evaluation will be analyzed. It was verified that the most appropriate models for analysis of the Cooperatives of Credit are Credit Scoring Models and Credit Bureau, us which, through statistical techniques as the analysis discriminante and regression logistics, the characteristics of considered credits of larger breach of contract risk were demonstrated. The analysis based on identifying the "worse customer", because this generates larger breach of contract risk and it influences in the financial administration. It was ended that the most relevant variables to identify the breach of contract risk were the rude monthly income and the value liberated in the credit concession, because the largest concentration of breach of contract risk.

Utilisation of Library Information Resources among Generation Z Students: Facts and Fiction

Directory of Open Access Journals (Sweden)

Oghenere Gabriel Salubi

2018-04-01

Full Text Available Generation Z was the foremost generation to have prevalent access to the Internet from an early age. Technology has strongly influenced this generation in terms of communication, education and consequently their academic information behaviour. With the next generation of scholars already being trained, in a decade, most of the researchers will be mainly digital natives. This study sought to establish the library information resources use pattern in relation to users’ preferred information media in order to render better academic information services to library users. A total of 390 respondents were surveyed at the Nelson Mandela University and the University of Fort Hare using quantitative and qualitative methods. Most of the respondents, 82.3%, were aged between 18 and 23 years; while the average library use time was two hours daily. The most utilised library resource is the Wi-Fi with e-books and e-journals found to be lowly utilised. Records from the E-librarians revealed that undergraduate students account for no more than 6% of total users of electronic databases with 62.3% of the respondents preferring print information resources. Better understanding of library users’ demographics and information media preference is essential in proving the right kind of information services to Generation Z library users.

Review of Research on Credit Risk Management for Rural Credit Cooperatives

Directory of Open Access Journals (Sweden)

Xin Song

2017-03-01

Full Text Available With the rapid development of rural micro-credit, whether the qagriculture, rural areas and farmersq problems have been effectively solved, whether the credit risk has been effectively controlled, these have become the focus of our attention to the rural economic environment. The main content of this paper contains four aspects: the classification and characteristics of credit risk, the problems and factors of credit risk, the model and evaluation of credit risk, the countermeasures and suggestions of credit risk. This paper reviews the research of credit risk management for rural credit cooperatives from the above four aspects, and makes a brief summary.

A Failed Experiment: Georgia's Tax Credit Scholarships for Private Schools. Special Summary

Science.gov (United States)

Southern Education Foundation, 2011

2011-01-01

Georgia is one of seven states that currently allow tax credits for scholarships to private schools. The law permits individual taxpayers in Georgia to reduce annual state taxes up to $2,500 for joint returns when they divert funds to a student scholarship organization (SSO). Georgia's law providing tax credits for private school tuition grants or…

Credit concession through credit scoring: Analysis and application proposal

Directory of Open Access Journals (Sweden)

Oriol Amat

2017-01-01

Full Text Available Purpose: The study herein develops and tests a credit scoring model which can help financial institutions in assessing credit requests.  Design/methodology/approach: The empirical study has the objective of answering two questions: (1 Which ratios better discriminate the companies based on their being solvent or insolvent? and (2 What is the relative importance of these ratios? To do this, several statistical techniques with a multifactorial focus have been used (Multivariate Analysis of Variance, Linear Discriminant Analysis, Logit and Probit Models. Several samples of companies have been used in order to obtain and to test the model.  Findings: Through the application of several statistical techniques, the credit scoring model has been proved to be effective in discriminating between good and bad creditors.  Research limitations:  This study focuses on manufacturing, commercial and services companies of all sizes in Spain; Therefore, the conclusions may differ for other geographical locations. Practical implications:  Because credit is one of the main drivers of growth, a solid credit scoring model can help financial institutions assessing to whom to grant credit and to whom not to grant credit. Social implications: Because of the growing importance of credit for our society and the fear of granting it due to the latest financial turmoil, a solid credit scoring model can strengthen the trust toward the financial institutions assessment’s.  Originality/value: There is already a stream of literature related to credit scoring. However, this paper focuses on Spanish firms and proves the results of our model based on real data. The application of the model to detect the probability of default in loans is original.

Arizona Education Tax Credit and Hidden Considerations of Justice

Directory of Open Access Journals (Sweden)

Michele S. Moses

2000-08-01

Full Text Available The current debate over market-based ideas for educational reform is examined, focusing specifically on the recent movement toward education tax credits. Viewing the Arizona education tax credit law as a voucher plan in sheep's clothing, I argue that the concept of justice underlying the law is a crucial issue largely missing from the school choice debate. I question the libertarian conception of justice assumed by voucher and tax credit advocates, and argue instead that a contemporary liberal democratic conception of justice ought to undergird attempts at school reform. A call for educators and policymakers to concentrate energies on efforts to help needy students rather than on efforts to channel tax dollars toward self- interested ends concludes the article.

Changing commuters' behavior using rewards: a study of rush-hour avoidance

NARCIS (Netherlands)

Ben Elia, E.; Ettema, D.F.

2011-01-01

In a 13-week field study conducted in The Netherlands, participants were provided with daily rewards – monetary and in-kind, in order to encourage them to avoid driving during the morning rush-hour. Participants could earn a reward (money or credits to keep a Smartphone handset), by driving to work

Generation Y students: Appropriate learning styles and teaching ...

African Journals Online (AJOL)

Generation Y students (born after 1982) have developed a different set of attitudes and aptitudes as a result of growing up in an IT and media-rich environment. This article has two objectives: firstly to discuss the learning styles preferred by generation Y students in order to identify the effect of these preferences on tertiary ...

Impact of trade in emission reduction credits on solar projects

International Nuclear Information System (INIS)

Kulkarni, P.

1993-01-01

Since the amendment of the Clean Air Act in 1990, the possibility of trading in Emission Reduction Credits has been looked upon as a strategy for improving the economic feasibility of solar projects. This paper discusses developments towards such a market and reviews current and proposed emission trading practices. The paper analyzes how the current characteristics of the market help or hinder the trading of credits generated by solar projects, and suggests possible solutions. Emission credits from four different solar projects and their trading potentials are presented

Lessons Learned in Student Venture Creation

Science.gov (United States)

Caner, Edward

The Physics Entrepreneurship Master's Program (PEP) at Case Western Reserve University is now in its 15th year of operation. PEP is a 27 credit-hour Master of Science in Physics, Entrepreneurship Track. The curriculum can be tailored to the needs of each student. Coursework consists of graduate-level classes in science, business, intellectual property law, and innovation. A master's thesis is required that is based on a real-world project in innovation or entrepreneurship within an existing company or startup (possibly the student's). PEP faculty help students connect with mentors, advisors, partners, funding sources and job opportunities. In this talk I will chronicle several pitfalls that we have encountered with our ''real world'' student projects and start-up businesses, several of which met their complete demise despite showing great promise for success. I will discuss how we have learned to avoid most of these pitfalls by taking surprisingly simple actions.

A federal tax credit to encourage employers to offer health coverage.

Science.gov (United States)

Meyer, J A; Wicks, E K

2001-01-01

Many firms that employ low-wage workers cannot afford to offer an employee health plan, and many of the uninsured work for such firms. This article makes the case for an employer tax credit, administered by the Internal Revenue Service, as a way to extend health coverage to uninsured workers and their families. The permanent, fixed-dollar, refundable credit would be available to all low-wage employers (those with average wages of $10 per hour and less), including those already offering coverage. The credit would be graduated depending on average wage: the maximum credit would equal 50% of the cost of a standard benefit package; the minimum would equal 30% of the package. It also would vary by family size and could be used to cover part-time and temporary workers. Participating employers would be required to pay at least 50% of the health insurance premium, proof of which would be shown on firms' tax returns. The paper provides justification for this approach. It closes with a discussion of strengths and weaknesses of this approach and alternative design features.

Credit Monitoring – a Core of Credit Risk Management: Theory and Experience

Directory of Open Access Journals (Sweden)

Daiva Jurevičienė

2013-11-01

Full Text Available Purpose of the article: Purpose of the article is to identify credit monitoring as a keystone of credit risk management in banks. CRM is widely discussed in scientific literature and in reports of institutions undertaking credit risk or supervisory bodies. However majority of such investigations are based on implementation of numerous quantitative or qualitative methods used for credit risk assessment before granting a loan or for credit portfolio risk management. There is a lack of information or investigations made on estimation of the need of credit monitoring in credit risk management process. Scientific aim: Scientific aim is to structure the early warning signs that reflect the condition of credits. Methodology/methods: The paper is based on analysis and resumption of various scientific and professional articles related to organization of credit process in banks. It combines results of assessments of credit monitoring importance in credit risk management process made by theoretical studies as well as investigation of experts. Findings: Finding of the article is presentation of credit monitoring tools that should be applied for corporate (and individual clients via modification of original credit agreement. Conclusions: (limits, implications etc Conclusion of the article is that credit monitoring is a keystone in credit risk management process. The purpose of credit monitoring is to detect in time possible worsening of the loan and to react (make changes in loan agreement. The simplest tool for credit monitoring is to identify early warning signs in time that could be assorted into four groups: EWS of business environment; EWS with regard to management, EWS regarding collateral, EWS in financial analysis. Limitation of investigation is impossibility of evaluation of importance of monitoring process in practice except investigation of experts (employees directly responsible for credit business.

26 CFR 1.51-1 - Amount of credit.

Science.gov (United States)

2010-04-01

... of such individual's rehabilitation plan. However, with the exception of vocational rehabilitation... carpenters. The program would not qualify, however, if the student works at a restaurant and generally... only if there was a valid business reason, unrelated to the availability of the credit, for the...

First-Generation Undergraduate Students' Social Support, Depression, and Life Satisfaction

Science.gov (United States)

Jenkins, Sharon Rae; Belanger, Aimee; Connally, Melissa Londono; Boals, Adriel; Duron, Kelly M.

2013-01-01

First-generation undergraduate students face challenging cross-socioeconomic cultural transitions into college life. The authors compared first- and non-first-generation undergraduate students' social support, posttraumatic stress, depression symptoms, and life satisfaction. First-generation participants reported less social support from family…

Changing the formula of residents' work hours in internal medicine: moving from "years in training" to "hours in training".

Science.gov (United States)

Mansi, Ishak A

2011-03-01

In a recent report, the Institute of Medicine recommended more restrictions on residents' working hours. Several problems exist with a system that places a weekly limit on resident duty hours: (1) it assumes the presence of a linear relationship between hours of work and patient safety; (2) it fails to consider differences in intensity among programs; and (3) it does not address increases in the scientific content of medicine, and it places the burden of enforcing the duty hour limits on the Accreditation Council for Graduate Medical Education. An innovative method of calculating credit hours for graduate medical education would shift the focus from "years of residency" to "hours of residency." For example, internal medicine residents would be requested to spend 8640 hours of total training hours (assuming 60 hours per week for 48 weeks annually) instead of the traditional 3 years. This method of counting training hours is used by other professions, such as the Intern Development Program of the National Council of Architectural Registration Boards. The proposed approach would allow residents and program directors to pace training based on individual capabilities. Standards for resident education should include the average number of patients treated in each setting (inpatient or outpatient). A possible set of "multipliers" based on these parameters, and possibly others such as resident evaluation, is devised to calculate the "final adjusted accredited hours" that count toward graduation. Substituting "years of training" with "hours of training" may resolve many of the concerns with the current residency education model, as well as adapt to the demands of residents' personal lives. It also may allow residents to pace their training according to their capabilities and learning styles, and contribute to reflective learning and better quality education.

NCA & Credit Guarantees

African Journals Online (AJOL)

stooppn

purposes of the National Credit Act; what the definition of a credit guarantee set out ...... Scholtz et al National Credit Act in para 8.2.4; Scott et al Law of Commerce ..... Eitelberg E "Autonomy of Documentary Credit Undertakings in South African.

Cash or Credit? Compensation in Psychology Studies: Motivation Matters

Directory of Open Access Journals (Sweden)

Holly J. Bowen

2017-05-01

Full Text Available It is common practice for psychology researchers to recruit their sample of participants from the undergraduate student population. Participants are typically compensated with partial course credit or a monetary payment. The current study reveals that the motivation to participate in a study (cash versus course credit can relate to performance on a behavioral task of rewarded memory. In Experiment 1, undergraduate participants were recruited and compensated for their time with either partial course credit or cash. Potential performance-based cash rewards were earned during a rewarded memory task, where correct recognition of half the stimuli was worth a high reward and the other half a low reward. Memory for high reward items was better than low reward items, but only for the cash group. The credit group did not modulate their performance based on the value of the stimuli. In Experiment 2, undergraduates were compensated with partial course credit for their time and given the opportunity to earn a bonus credit for performance on a memory test. The findings were in line with the results from the credit group of Experiment 1, suggesting that the modulation of performance in the cash group of Experiment 1 cannot be accounted for by congruency between motivation to participate and reward for task performance. Of methodological importance, the findings indicate that recruiting and compensating participants with cash versus course credit may influence the results on a rewarded memory task. This factor should be taken into consideration in studies of reward motivation.

40 CFR 90.207 - Credit calculation and manufacturer compliance with emission standards.

Science.gov (United States)

2010-07-01

... = Production×(Standard—FEL)×Power×Useful life×Load Factor Where: Production = eligible production as defined in this part. Annual production projections are used to project credit availability for initial... kilowatt hour. Power = the maximum modal power of the certification test engine, in kilowatts, as...

Formal and Informal Credit Markets and Rural Credit Demand in China

OpenAIRE

Tang, Sai; Guan, Zhengfei; Jin, Songqing

2010-01-01

Credit markets are an essential economic institution. In developing countries, particularly in countries undergoing rapid social and economic transition, it is important to identify emerging credit demand and institute credit supply in a timely manner to facilitate economic transformation. This research focuses on the evolving rural credit market in China, where borrowing from the social network has been common but the recent economic transition has made this informal credit market inadequate...

Student-generated e-learning for clinical education.

Science.gov (United States)

Isaacs, Alex N; Nisly, Sarah; Walton, Alison

2017-04-01

Within clinical education, e-learning facilitates a standardised learning experience to augment the clinical experience while enabling learner and teacher flexibility. With the shift of students from consumers to creators, student-generated content is expanding within higher education; however, there is sparse literature evaluating the impact of student-developed e-learning within clinical education. The aim of this study was to implement and evaluate a student-developed e-learning clinical module series within ambulatory care clinical pharmacy experiences. Three clinical e-learning modules were developed by students for use prior to clinical experiences. E-learning modules were created by fourth-year professional pharmacy students and reviewed by pharmacy faculty members. A pre-/post-assessment was performed to evaluate knowledge comprehension before and after participating in the e-learning modules. Additionally, a survey on student perceptions of this educational tool was performed at the end of the clinical experience. There is sparse literature evaluating the impact of student-developed e-learning within clinical education RESULTS: Of the 31 students eligible for study inclusion, 94 per cent participated in both the pre- and post-assessments. The combined post-assessment score was significantly improved after participating in the student-developed e-learning modules (p = 0.008). The student perception survey demonstrated positive perceptions of e-learning within clinical education. Student-generated e-learning was able to enhance knowledge and was positively perceived by learners. As e-learning continues to expand within health sciences education, students can be incorporated into the development and execution of this educational tool. © 2016 John Wiley & Sons Ltd.

Generativity in College Students: Comparing and Explaining the Impact of Mentoring

Science.gov (United States)

Hastings, Lindsay J.; Griesen, James V.; Hoover, Richard E.; Creswell, John W.; Dlugosh, Larry L.

2015-01-01

Preparing college students to be active contributors to the next generation is an important function of higher education. This assumption about generativity forms a cornerstone in this mixed methods study that examined generativity levels among 273 college students at a 4-year public university. MANCOVA results indicated that college students who…

Is the Office Hour Obsolete?

Science.gov (United States)

Behrens, Susan

2013-01-01

A colleague can't make a coffee date at a time the author proposes because it would conflict with his office hour. No student has actually made an appointment with him during the hour, but he is committed to being in his office as promised in case someone drops by. The author's reaction to her colleague's faithfulness to his posted office hour…

Work load issues in clinical nursing education.

Science.gov (United States)

Schuster, P; Fitzgerald, D C; McCarthy, P A; McDougal, D

1997-01-01

This survey of 22 baccalaureate (BSN) programs was undertaken to describe and analyze work load issues in BSN nursing education. Academic careers of nursing faculty may be at risk because clinical work load policies generally place less value on clinical teaching than on classroom teaching. Research question addressed teaching credit hours received for each clinical contact hour, remaining weekly hours available for clinical faculty to accomplish service and research activities, and student-to-faculty ratios in clinical settings. Seventy per cent of the programs surveyed allocated less than 1 teaching credit hour to 1 clinical contact hour. Nursing faculty who taught clinical courses with 5:1 to .25:1 work load credit for face-to-face contact hour ratios needed to work between 8 and 24 hours more in face-to-face teaching compared with colleagues teaching lecture courses, thus leaving less time for scholarship and service activities. Fifty per cent of the programs reported 10 or more students in some of the clinical courses. Faculty reported concerns about quality of learning experiences and supervisory difficulties as student numbers in clinical courses exceeded 8 students/faculty member.

The impact of 'Generation Y' occupational therapy students on practice education.

Science.gov (United States)

Hills, Caroline; Ryan, Susan; Smith, Derek R; Warren-Forward, Helen

2012-04-01

Many occupational therapy students can be classified as 'Generation Y', a group whose characteristics are perceived as being confident, optimistic and 'techno-savvy'. This study aimed to explore practice educator perceptions of 'Generation Y' students. A questionnaire survey was sent to all practice educators affiliated with the university. The survey contained fixed choice questions on demographics and educators' knowledge of the term 'Generation Y', followed by open-ended questions on practice educator perceptions of occupational therapy 'Generation Y' students and the educational strategies used in practice education. Anonymous responses were analysed using descriptive statistics, attribute coding and content analysis. Most educators considered that there was, in fact, a 'Generation Y student', describing them as confident with technology, over confident in their skill level and easily bored. Practice educators raised concerns regarding students' casual communication, poor professional behaviour, shallow professional reasoning and difficulty when receiving negative feedback. Overall, the results of this study suggest that 'Generation Y' students are having both a negative and a positive impact on practice education in occupational therapy. For educators, management of the overconfident student and professional reasoning development should be addressed in university practice education workshops. For students, the need for clarification of placement expectations on professional behaviour and communication was indicated. Students may also require 'listening to feedback' skill development prior to practice education. Universities and practice educators should consider the development of technological resources for practice education, including simulation, to meet the needs of the, now recognised 'Generation Y' student. © 2011 The Authors. Australian Occupational Therapy Journal © 2011 Occupational Therapy Australia.

Lived Experiences of Low Socioeconomic Millennial Generation College Students

Science.gov (United States)

Thacker, Kelly L.

2012-01-01

The characteristics and needs of college students across the United States are ever-changing. As Millennial generation students, born between 1982 and 2003 (Howe & Strauss, 2000), attend college, unique characteristics are present. Commonalities within the Millennial generation have been identified; however, socioeconomic status can impact a…

Refundable Tax Credits

OpenAIRE

Congressional Budget Office

2013-01-01

In 1975, the first refundable tax credit—the earned income tax credit (EITC)—took effect. Since then, the number and cost of refundable tax credits—credits that can result in net payments from the government—have grown considerably. Those credits will cost $149 billion in 2013, CBO estimates, mostly for the EITC and the child tax credit.

Differences in motives between Millennial and Generation X medical students.

Science.gov (United States)

Borges, Nicole J; Manuel, R Stephen; Elam, Carol L; Jones, Bonnie J

2010-06-01

OBJECTIVES Three domains comprise the field of human assessment: ability, motive and personality. Differences in personality and cognitive abilities between generations have been documented, but differences in motive between generations have not been explored. This study explored generational differences in medical students regarding motives using the Thematic Apperception Test (TAT). METHODS Four hundred and twenty six students (97% response rate) at one medical school (Generation X = 229, Millennials = 197) who matriculated in 1995 & 1996 (Generation X) or in 2003 & 2004 (Millennials) wrote a story after being shown two TAT picture cards. Student stories for each TAT card were scored for different aspects of motives: Achievement, Affiliation, and Power. RESULTS A multiple analysis of variance (p Millennials' and Generation X-ers' needs for Power on both TAT cards and needs for Achievement and Affiliation on one TAT card. The main effect for gender was significant for both TAT cards regarding Achievement. No main effect for ethnicity was noted. CONCLUSIONS Differences in needs for Achievement, Affiliation and Power exist between Millennial and Generation X medical students. Generation X-ers scored higher on the motive of Power, whereas Millennials scored higher on the motives of Achievement and Affiliation.

Student-generated illustrations and written narratives of biological science concepts: The effect on community college life science students' achievement in and attitudes toward science

Science.gov (United States)

Harvey, Robert Christopher

The purpose of this study was to determine the effects of two conceptually based instructional strategies on science achievement and attitudes of community college biological science students. The sample consisted of 277 students enrolled in General Biology 1, Microbiology, and Human Anatomy and Physiology 1. Control students were comprised of intact classes from the 2005 Spring semester; treatment students from the 2005 Fall semester were randomly assigned to one of two groups within each course: written narrative (WN) and illustration (IL). WN students prepared in-class written narratives related to cell theory and metabolism, which were taught in all three courses. IL students prepared in-class illustrations of the same concepts. Control students received traditional lecture/lab during the entire class period and neither wrote in-class descriptions nor prepared in-class illustrations of the targeted concepts. All groups were equivalent on age, gender, ethnicity, GPA, and number of college credits earned and were blinded to the study. All interventions occurred in class and no group received more attention or time to complete assignments. A multivariate analysis of covariance (MANCOVA) via multiple regression was the primary statistical strategy used to test the study's hypotheses. The model was valid and statistically significant. Independent follow-up univariate analyses relative to each dependent measure found that no research factor had a significant effect on attitude, but that course-teacher, group membership, and student academic characteristics had a significant effect (p < .05) on achievement: (1) Biology students scored significantly lower in achievement than A&P students; (2) Microbiology students scored significantly higher in achievement than Biology students; (3) Written Narrative students scored significantly higher in achievement than Control students; and (4) GPA had a significant effect on achievement. In addition, given p < .08: (1

75 FR 17976 - WNC Tax Credits 38, LLC, WNC Tax Credits 39, LLC, WNC Housing Tax Credits Manager, LLC and WNC...

Science.gov (United States)

2010-04-08

... Credits 38, LLC, WNC Tax Credits 39, LLC, WNC Housing Tax Credits Manager, LLC and WNC & Associates, Inc... collectively, the ``Funds''), WNC Housing Tax Credits Manager, LLC (the ``Manager'') and WNC & Associates, Inc... credit under the Internal Revenue Code of 1986, as amended. The Manager is a California limited liability...

Introduction of Credit Derivatives and Valuation of Credit Default Swap

OpenAIRE

Han, Lu

2006-01-01

The credit derivative market was established at the beginning of the 1990s since the emergence of credit derivatives fits the rapid development of the whole derivatives market. However, compare to other derivative market, this market is still small and incomplete. As with other derivatives, credit derivatives can be used to either take more risk or hedge it, hence various credit derivatives instruments are accepted and widely used by market participants such as banks, insurance companies, etc...

25 CFR 36.83 - How many hours can a student be taken out of the academic setting to receive behavioral health...

Science.gov (United States)

2010-04-01

... 25 Indians 1 2010-04-01 2010-04-01 false How many hours can a student be taken out of the academic setting to receive behavioral health services? 36.83 Section 36.83 Indians BUREAU OF INDIAN AFFAIRS... AND NATIONAL CRITERIA FOR DORMITORY SITUATIONS Homeliving Programs Staffing § 36.83 How many hours can...

Obtaining college credit for licensed operator courses at the Wolf Creek Generating Station

International Nuclear Information System (INIS)

Russo, C.W.; Coulthard, R.C.

1985-01-01

The presentation examined alternatives to formal college courses as a means to obtain college credit toward a baccalaureate degree for station operations personnel. The focus is on the American Council on Education (ACE-PONSI) program which evaluates and makes credit recommendations for courses sponsored by organizations, like utilities, whose primary function is not education. Significant elements of the licensed operator program were prepared for an ACE-PONSI review and determined to be equivalent to college level nuclear engineering technology course work. The ACE-PONSI evaluation provides a good foundation and a significant amount of the training program evaluation required prior to the INPO accreditation effort

Dual Credit Enrollment and GPA by Ethnicity and Gender at Texas 2-Year Colleges

Science.gov (United States)

Young, Robert D., Jr.

2013-01-01

Purpose: The purpose of this investigation was to determine the extent to which differences were present in dual credit course enrollment. Specifically examined were whether differences were present in the first semester GPA and at the end of the first two semesters for students who enrolled in dual credit courses while in high school from…

Credit securitization and credit derivatives: Financial instruments and the credit risk management of middle market commercial loan portfolios

OpenAIRE

Henke, Sabine; Burghof, Hans-Peter; Rudolph, Bernd

1998-01-01

Banks increasingly recognize the need to measure and manage the credit risk of their loans on a portfolio basis. We address the subportfolio "middle market". Due to their specific lending policy for this market segment it is an important task for banks to systematically identify regional and industrial credit concentrations and reduce the detected concentrations through diversification. In recent years, the development of markets for credit securitization and credit derivatives has provided n...

Modernization of credit relations

Directory of Open Access Journals (Sweden)

S.V. Volosovich

2015-03-01

Full Text Available Nowadays it is essential to modernize credit relations in the conditions of global economy transformations. This is due to the influence of integration processes on credit relations and transformation of the risks inherent in the credit field. The purpose of this article is to develop measures that help to improve the efficiency of interaction of credit relations’ participants. Modernization of credit relations is based on the interaction of its main and indirect subjects who belong to the subsystems of loans granting, deposits attraction and provision of related services. Its goal is to pass from extensive to intensive model of interaction between the subjects of credit relations. Components of the credit relations modernization are the following: institutional modernization, which is based on the interaction of credit relations’ subjects, and ensures the development of competition in all credit market’s segments, the creation of its corresponding infrastructure, qualitative change in the approaches of regulation and supervision; technological modernization, which involves the formation of joint products on the credit market and the formation of an integrated informational and analytical system. In the result of the credit relations’ modernization it is expected to achieve synergies between the subjects of credit relations, that will lead to changes in the business architecture of the financial market.

On the optimal mix of wind and solar generation in the future Chinese power system

International Nuclear Information System (INIS)

Huber, Matthias; Weissbart, Christoph

2015-01-01

China is one of the largest and fastest growing economies in the world. Until now, the corresponding growth of electricity consumption has been mainly provided by coal. However, as national reserves are limited and since burning coal leads to severe environmental problems, the employment of alternative sources of energy supply has become an important part of the Chinese energy policy. Recent studies show that wind energy alone could meet all of China's electricity demand. While our results validate these findings with regard to annual production, we look at the hour-by-hour resolution and uncover a major limitation: wind generation will not match the demand at every given point in time. This results in significant periods with over- and undersupply. Our study shows that combining wind and solar generation in the power system reduces overproduction significantly and increases the capacity credit of the combined VRE (variable renewable energy sources). The article demonstrates that up to 70% of VRE comprising 20–30% solar generation in the form of photovoltaics (PV) can be integrated into China's electricity system with moderate storage requirements. We encourage planners to consider those findings in their long-term planning in order to set up a sustainable power system for China at low costs. - Highlights: • Analyzing the potentials for wind and solar generation in China. • Capacity credit of variable renewable energy sources. • Future storage demand for a renewable based Chinese power system. • Defining the optimal mix of wind and solar generation.

Music Therapy Training for Undergraduate Nursing Students: A Modality to Foster Interest in Gerontological Nursing.

Science.gov (United States)

Lin, Hui-Chuan; Chen, Shu-Ling; Hsieh, Chia-En; Lin, Ping-Yi

2016-06-01

HOW TO OBTAIN CONTACT HOURS BY READING THIS ARTICLE INSTRUCTIONS 1.2 contact hours will be awarded by Villanova University College of Nursing upon successful completion of this activity. A contact hour is a unit of measurement that denotes 60 minutes of an organized learning activity. This is a learner-based activity. Villanova University College of Nursing does not require submission of your answers to the quiz. A contact hour certificate will be awarded once you register, pay the registration fee, and complete the evaluation form online at http://goo.gl/gMfXaf. To obtain contact hours you must: 1. Read the article, "Music Therapy Training for Undergraduate Nursing Students: A Modality to Foster Interest in Gerontological Nursing" found on pages 25-31, carefully noting any tables and other illustrative materials that are included to enhance your knowledge and understanding of the content. Be sure to keep track of the amount of time (number of minutes) you spend reading the article and completing the quiz. 2. Read and answer each question on the quiz. After completing all of the questions, compare your answers to those provided within this issue. If you have incorrect answers, return to the article for further study. 3. Go to the Villanova website listed above to register for contact hour credit. You will be asked to provide your name; contact information; and a VISA, MasterCard, or Discover card number for payment of the $20.00 fee. Once you complete the online evaluation, a certificate will be automatically generated. This activity is valid for continuing education credit until May 31, 2019. CONTACT HOURS This activity is co-provided by Villanova University College of Nursing and SLACK Incorporated. Villanova University College of Nursing is accredited as a provider of continuing nursing education by the American Nurses Credentialing Center's Commission on Accreditation. ACTIVITY OBJECTIVES 1. Identify the worldwide shortage of nurses specializing in

Credit Risk Transfer and Crunches

DEFF Research Database (Denmark)

Wigan, Duncan

2010-01-01

Rather than in terms of the inevitable demise of a destabilising process of speculation, this article explores the ‘credit crunch’ as a window on the fabrication, and measure of the proportions of a political shift driven by market actors and financial innovation. The Basel process reconceptualised...... banks as risk navigators and generated a competitive hierarchy within the global banking industry determined on a gauge of this capacity. This private regulatory regime promoted market inflation and rendered institutional liquidity and risk transfer definitive of market power. In turn, a ballooning...... credit derivatives market broke the limits of financial production and defined state actions in the face of crisis. A shift from a central concern with solvency to that of liquidity thinly masks a profound redistribution of power from the public to the private. By swapping private assets of uncertain...

Factors influencing buyers' willingness to offer price premiums for carbon credits sourced from urban forests

Science.gov (United States)

N.C. Poudyal; J.M. Bowker; J.P. Siry

2015-01-01

Marketing carbon offset credits generated by urban forest projects could help cities and local governments achieve their financial self-sufficiency and environmental sustainability goals. Understanding the value of carbon credits sourced from urban forests, and the factors that determine buyers’ willingness to pay a premium for such credits could benefit cities in...

Credit Card Security

OpenAIRE

G.C., Anup

2013-01-01

Author: Anup G.C. Year: 2013 Subject of thesis: Credit Card Security Number of pages: 36+2 Credit Card is a widely used electronic chip for easy transactions. The main purpose of the report was to show the security measures of transaction by credit cards. The purpose was to give information about credit cards and how they were introduced. The thesis reportcontained the types of card theft with examples and sited the various protocols used for online ...

Inequality in Human Capital and Endogenous Credit Constraints.

Science.gov (United States)

Hai, Rong; Heckman, James J

2017-04-01

This paper investigates the determinants of inequality in human capital with an emphasis on the role of the credit constraints. We develop and estimate a model in which individuals face uninsured human capital risks and invest in education, acquire work experience, accumulate assets and smooth consumption. Agents can borrow from the private lending market and from government student loan programs. The private market credit limit is explicitly derived by extending the natural borrowing limit of Aiyagari (1994) to incorporate endogenous labor supply, human capital accumulation, psychic costs of working, and age. We quantify the effects of cognitive ability, noncognitive ability, parental education, and parental wealth on educational attainment, wages, and consumption. We conduct counterfactual experiments with respect to tuition subsidies and enhanced student loan limits and evaluate their effects on educational attainment and inequality. We compare the performance of our model with an influential ad hoc model in the literature with education-specific fixed loan limits. We find evidence of substantial life cycle credit constraints that affect human capital accumulation and inequality. The constrained fall into two groups: those who are permanently poor over their lifetimes and a group of well-endowed individuals with rising high levels of acquired skills who are constrained early in their life cycles. Equalizing cognitive and noncognitive ability has dramatic effects on inequality. Equalizing parental backgrounds has much weaker effects. Tuition costs have weak effects on inequality.

Changing the Formula of Residents' Work Hours in Internal Medicine: Moving From “Years in Training” to “Hours in Training”

Science.gov (United States)

Mansi, Ishak A

2011-01-01

Background In a recent report, the Institute of Medicine recommended more restrictions on residents' working hours. Several problems exist with a system that places a weekly limit on resident duty hours: (1) it assumes the presence of a linear relationship between hours of work and patient safety; (2) it fails to consider differences in intensity among programs; and (3) it does not address increases in the scientific content of medicine, and it places the burden of enforcing the duty hour limits on the Accreditation Council for Graduate Medical Education. Proposal An innovative method of calculating credit hours for graduate medical education would shift the focus from “years of residency” to “hours of residency.” For example, internal medicine residents would be requested to spend 8640 hours of total training hours (assuming 60 hours per week for 48 weeks annually) instead of the traditional 3 years. This method of counting training hours is used by other professions, such as the Intern Development Program of the National Council of Architectural Registration Boards. The proposed approach would allow residents and program directors to pace training based on individual capabilities. Standards for resident education should include the average number of patients treated in each setting (inpatient or outpatient). A possible set of “multipliers” based on these parameters, and possibly others such as resident evaluation, is devised to calculate the “final adjusted accredited hours” that count toward graduation. Anticipated Benefits Substituting “years of training” with “hours of training” may resolve many of the concerns with the current residency education model, as well as adapt to the demands of residents' personal lives. It also may allow residents to pace their training according to their capabilities and learning styles, and contribute to reflective learning and better quality education. PMID:22379516

Power generation: country risk and other financing issues

International Nuclear Information System (INIS)

Cassou, M.

2000-01-01

Larger banks are very familiar with power generation financing. However, financing nuclear power plants remains a very peculiar field where nothing is possible without an agreement between the country of the buyer (sovereign guarantee) and the country of the supplier (intervention of the Export Credit Agency). The banks involved in such financing will commit themselves for a very long period of time which will exceed the financial markets' standard capabilities. Therefore it is only the intervention of the Export Credit Agencies which will allow the implementation of the required financing. It is, in fact, impossible to by-pass the country risks for these operations. Who, in 1986, during the signing ceremony of the Daya Bay contract, in the Great Hall of the People in Beijing, would have imagined that, three years later, the tanks would be rolling in on the adjacent Tien An Men Square, to confront the students and that one of the consequences would be the re-scheduling of the credits granted to Bank of China? Nobody. The Power Generation, above all the nuclear one, is a long term process and, as ever, all the parameters are not known from the very beginning. This situation provides an ideal setting for a good combination of joys and shudders. (author)

The Effects of Student Question-Generation with Online Prompts on Learning

Science.gov (United States)

Yu, Fu-Yun; Pan, Kuan-Jung

2014-01-01

The focus of this study was to investigate the effects of student-question generation with online prompts on student academic achievement, question-generation performance, learning satisfaction and learning anxiety. This study adopted a quasi-experimental research design. Two classes of eighth grade students (N = 64) from one middle school…

Examining student-generated questions in an elementary science classroom

Science.gov (United States)

Diaz, Juan Francisco, Jr.

This study was conducted to better understand how teachers use an argument-based inquiry technique known as the Science Writing Heuristic (SWH) approach to address issues on teaching, learning, negotiation, argumentation, and elaboration in an elementary science classroom. Within the SWH framework, this study traced the progress of promoting argumentation and negotiation (which led to student-generated questions) during a discussion in an elementary science classroom. Speech patterns during various classroom scenarios were analyzed to understand how teacher--student interactions influence learning. This study uses a mixture of qualitative and quantitative methods. The qualitative aspect of the study is an analysis of teacher--student interactions in the classroom using video recordings. The quantitative aspect uses descriptive statistics, tables, and plots to analyze the data. The subjects in this study were fifth grade students and teachers from an elementary school in the Midwest, during the academic years 2007/2008 and 2008/2009. The three teachers selected for this study teach at the same Midwestern elementary school. These teachers were purposely selected because they were using the SWH approach during the two years of the study. The results of this study suggest that all three teachers moved from using teacher-generated questions to student-generated questions as they became more familiar with the SWH approach. In addition, all three promoted the use of the components of arguments in their dialogs and discussions and encouraged students to elaborate, challenge, and rebut each other's ideas in a non-threatening environment. This research suggests that even young students, when actively participating in class discussions, are capable of connecting their claims and evidence and generating questions of a higher-order cognitive level. These findings demand the implementation of more professional development programs and the improvement in teacher education to help

76 FR 40946 - WNC Tax Credits 40, LLC, WNC Tax Credits 41, LLC, WNC Housing Tax Credits Manager 2, LLC, WNC...

Science.gov (United States)

2011-07-12

... Credits 40, LLC, WNC Tax Credits 41, LLC, WNC Housing Tax Credits Manager 2, LLC, WNC National Partners... (``Fund 41'') (each a ``Fund,'' and collectively, the ``Funds''), WNC Housing Tax Credits Manager 2, LLC (the ``Manager''), WNC National Partners, LLC (``WNC National Partners'') and WNC & Associates, Inc...

Application of a micro-credit scheme to some ecological activities

Science.gov (United States)

Hakoyama, F.

2017-03-01

Micro-credit schemes are expanding very rapidly worldwide in ecological activities. Providing gas-cooking equipments in Burkina Faso is a successful example in which the micro-credit system contributes to improve not only poor women’s life but also ecological environment. In Bangladesh, a solar PV system program through micro-credit has been implemented widely and successfully: big NGOs act as equipment dealers and provide micro-credit loans to individual poor households. In contrast, there are very few cases which showed positive results in sanitation projects. Micro-credit schemes are, in principle, based on the income generated through the fund. But in usual cases, sanitation activities do not yield any income. High cost of latrine construction is another barrier. In this paper, we reviewed why we could not apply a micro-credit scheme to our “Améli-eaur project” in Burkina Faso. Common features for the success in ecological activities are 1) enough income yielded from the activity itself, 2) the strong needs from population side, and 3) established system support, both technically and administratively. If we find a way to fulfill these elements in a sanitation project, it can be a long, sustainable project.

A clinical nutrition course to improve pharmacy students' skills and confidence in counseling patients.

Science.gov (United States)

Chang, Linda; Popovich, Nicholas G; Iramaneerat, Cherdsak; Smith, Everett V; Lutfiyya, M Nawal

2008-06-15

To create, implement, and evaluate a PharmD course on primary care nutrition. A 2-credit hour elective course was offered to second- and third-year pharmacy students. It was informed by the Socratic method using a minimum number of formal lecture presentations and featured problem-based learning exercises, case-based scenarios, and scientific literature to fuel informed debate. A single group posttest design with a retrospective pretest was used to assess students' self-efficacy. There was a significant overall improvement in students' self-efficacy in their ability to practice primary care nutrition. Completion of a nutrition course improved students' confidence in providing primary care nutrition and empowered them to speak more comfortably about the role of nutrition in the prevention of chronic diseases.

Rural Credit in Vietnam

DEFF Research Database (Denmark)

Barslund, Mikkel Christoffer; Tarp, Finn

This paper uses a survey of 932 rural households to uncover how the rural credit market operates in four provinces of Vietnam. Households obtain credit through formal and informal lenders, but formal loans are almost entirely for production and asset accumulation. Interest rates fell from 1997...... to 2002, reflecting increased market integration; but the determinants of formal and informal credit demand are distinct. Credit rationing depends on education and credit history, but we find no evidence of a bias against women. Regional differences are striking, and a ‘one size fits all’ approach...... to credit policy is clearly inappropriate....

Hourly weather forecasts for gas turbine power generation

Directory of Open Access Journals (Sweden)

G. Giunta

2017-06-01

Full Text Available An hourly short-term weather forecast can optimize processes in Combined Cycle Gas Turbine (CCGT plants by helping to reduce imbalance charges on the national power grid. Consequently, a reliable meteorological prediction for a given power plant is crucial for obtaining competitive prices for the electric market, better planning and stock management, sales and supplies of energy sources. The paper discusses the short-term hourly temperature forecasts, at lead time day+1 and day+2, over a period of thirteen months in 2012 and 2013 for six Italian CCGT power plants of 390 MW each (260 MW from the gas turbine and 130 MW from the steam turbine. These CCGT plants are placed in three different Italian climate areas: the Po Valley, the Adriatic coast, and the North Tyrrhenian coast. The meteorological model applied in this study is the eni-Kassandra Meteo Forecast (e‑kmf™, a multi-model approach system to provide probabilistic forecasts with a Kalman filter used to improve accuracy of local temperature predictions. Performance skill scores, computed by the output data of the meteorological model, are compared with local observations, and used to evaluate forecast reliability. In the study, the approach has shown good overall scores encompassing more than 50,000 hourly temperature values. Some differences from one site to another, due to local meteorological phenomena, can affect the short-term forecast performance, with consequent impacts on gas-to-power production and related negative imbalances. For operational application of the methodology in CCGT power plant, the benefits and limits have been successfully identified.

Credit Participation and Credit Source Selection of Vietnam Small and Medium Enterprises

Directory of Open Access Journals (Sweden)

Nguyen Anh Hoang

2014-10-01

Full Text Available This study is an attempt to investigate the motivation behind the decision to participate in the credit market of SMEs from perspectives of behavioral finance and social capital theories. In addi- tion, the study also examines the effect of behavioral finance and social capital factors on the credit source selection among SMEs. This study’s design strategy involves conducting questionnaire sur- veys to SMEs owners and statistical techniques to analyze the determinants of credit participation and credit source selection of borrowers. The findings showed that personal traits of SMEs owners/ managers in terms of behavioral finance factors such as debt and risk attitudes, present biased and overconfidence and firms networking also have impacts on the firms’ credit participation and credit source selection. The research is one of the few studies that consider the influence of behavioral finance factors on firms financing decision. Furthermore, our result also contributes to explain the common use of informal credit market in developing countries.

Parenting Style and Generativity Measured in College Students and Their Parents

Directory of Open Access Journals (Sweden)

Denise D. Guastello

2014-01-01

Full Text Available The logical consistency between generativity and the authoritative parenting style led to the hypothesis that the two behavior patterns or orientations were related. Survey measurements of perceived parenting style (authoritarian, authoritative, and permissive and generativity in 559 university students and their respective parents were compared. The authoritative parenting style correlated positively with generativity for both students and parents. Both students and mothers scored significantly higher on generativity than fathers, but no significant difference was found between students’ and mothers’ generativity. Hierarchical regression showed that students’ generativity was proximally related to their perceptions of their mothers’ authoritative parenting style, their mothers’ reports of parenting style, and their mothers’ generativity. Father’s generativity or parenting style did not make any additional contributions. The pattern of results suggested that generativity is a learned orientation and more often from mothers than from fathers. The role of maturation might not be as strong as developmental theory would suggest. Several avenues of future research were outlined.

Credit Risk Research

DEFF Research Database (Denmark)

Zamore, Stephen; Ohene Djan, Kwame; Alon, Ilan

2018-01-01

This article provides a comprehensive review of scholarly research on credit risk measurement during the last 57 years applying bibliometric citation analysis and elaborates an agenda for future research. The bibliography is compiled using the Institute for Scientific Information (ISI) Web...... of Science (WOS) database and includes all articles with citations over the period 1960–2016. Specifically, the review is carried out using 1695 articles across 72 countries published in 442 journals by 2928 authors. The findings suggest that credit risk research is multifaceted and can be classified...... into six streams: (1) defaultable security pricing, (2) default intensity modeling, (3) comparative analysis of credit models, (4) comparative analysis of credit markets, (5) credit default swap (CDS) pricing, and (6) loan loss provisions. The article contributes through synthesizing and identifying...

Student-generated reading questions: diagnosing student thinking with diverse formative assessments.

Science.gov (United States)

Offerdahl, Erika G; Montplaisir, Lisa

2014-01-01

Formative assessment has long been identified as a critical element to teaching for conceptual development in science. It is therefore important for university instructors to have an arsenal of formative assessment tools at their disposal which enable them to effectively uncover and diagnose all students' thinking, not just the most vocal or assertive. We illustrate the utility of one type of formative assessment prompt (reading question assignment) in producing high-quality evidence of student thinking (student-generated reading questions). Specifically, we characterized student assessment data using three distinct analytic frames to exemplify their effectiveness in diagnosing student learning in relationship to three sample learning outcomes. Our data will be useful for university faculty, particularly those engaged in teaching upper-level biochemistry courses and their prerequisites, as they provide an alternative mechanism for uncovering and diagnosing student understanding. © 2013 by The International Union of Biochemistry and Molecular Biology.

Affirming independence: Exploring mechanisms underlying a values affirmation intervention for first-generation students.

Science.gov (United States)

Tibbetts, Yoi; Harackiewicz, Judith M; Canning, Elizabeth A; Boston, Jilana S; Priniski, Stacy J; Hyde, Janet S

2016-05-01

First-generation college students (students for whom neither parent has a 4-year college degree) earn lower grades and worry more about whether they belong in college, compared with continuing-generation students (who have at least 1 parent with a 4-year college degree). We conducted a longitudinal follow-up of participants from a study in which a values-affirmation intervention improved performance in a biology course for first-generation college students, and found that the treatment effect on grades persisted 3 years later. First-generation students in the treatment condition obtained a GPA that was, on average, .18 points higher than first-generation students in the control condition, 3 years after values affirmation was implemented (Study 1A). We explored mechanisms by testing whether the values-affirmation effects were predicated on first-generation students reflecting on interdependent values (thus affirming their values that are consistent with working-class culture) or independent values (thus affirming their values that are consistent with the culture of higher education). We found that when first-generation students wrote about their independence, they obtained higher grades (both in the semester in which values affirmation was implemented and in subsequent semesters) and felt less concerned about their background. In a separate laboratory experiment (Study 2) we manipulated the extent to which participants wrote about independence and found that encouraging first-generation students to write more about their independence improved their performance on a math test. These studies highlight the potential of having FG students focus on their own independence. (PsycINFO Database Record (c) 2016 APA, all rights reserved).

Recovery Act: Billions of Dollars in Education Credits Appear to Be Erroneous. Treasury Inspector General for Tax Administration. Reference Number: 2011-41-083

Science.gov (United States)

US Department of the Treasury, 2011

2011-01-01

Education credits are available to help offset the costs of higher education for taxpayers, their spouses, and dependents who qualify as eligible students. The American Recovery and Reinvestment Act of 2009 (Recovery Act) amended the Hope Scholarship Tax Credit (Hope Credit) to provide for a refundable tax credit known as the American Opportunity…

Financial reserve. Hospitals leery of credit lines, factoring receivables.

Science.gov (United States)

Edwards, D E; Hamilton, W C; Hauser, R

1991-10-01

Opening lines of credit and factoring (selling) accounts receivable are two ways to generate operating cash that non-healthcare industries have long used successfully. A recent survey of hospital officials across the nation, however, showed these techniques are used infrequently in health care. Among the 281 hospitals responding: Only 45 percent use lines of credit; Less than 5 percent pursue accounts receivable factoring; and Only 12 percent plan to begin factoring receivables in the future. As hospitals look for ways to offset depleted cash reserves, these percentages may increase.

Next Generation Science Standards: All Standards, All Students

Science.gov (United States)

Lee, Okhee; Miller, Emily C.; Januszyk, Rita

2014-01-01

The Next Generation Science Standards (NGSS) offer a vision of science teaching and learning that presents both learning opportunities and demands for all students, particularly student groups that have traditionally been underserved in science classrooms. The NGSS have addressed issues of diversity and equity from their inception, and the NGSS…

The impact of credit risk assessment on credit activity of commercial banks

Directory of Open Access Journals (Sweden)

Ljubić Marijana

2015-01-01

Full Text Available As banks have great social responsibility and are a subject to a specific and extensive regulations, one of the being Basel, the authors of this paper focus on the impact of credit risk assessment on credit activity of commercial banks. The authors of this paper provide a standard for risk management and an insight into directions on how to manage credit risk in the most efficient way and how to assess credit rating of a borrower.

Credit derivatives in emerging markets

OpenAIRE

Romain Rancière

2002-01-01

Credit Derivatives are securities that offer protection against credit or default risk of bonds or loans. The credit derivatives emerging market has grown rapidly and credit derivatives are widely used. This paper describes the emerging credit derivatives market structure. The current market activity is analyzed through elementary pricing dynamics and the study of the term structure of default risk. Focusing on the performance of credit derivatives in stress situation, including legal and mar...

Low-Income Housing Tax Credit (LIHTC) Qualified Census Tract (QCT)

Data.gov (United States)

Department of Housing and Urban Development — It allows to generate tables for Low-Income Housing Tax Credit (LIHTC) Qualified Census Tracts (QCT) and for Difficult Development Areas (DDA). LIHTC Qualified...

Hourly energy management for grid-connected wind-hydrogen systems

International Nuclear Information System (INIS)

Bernal-Agustin, Jose L.; Dufo-Lopez, Rodolfo

2008-01-01

This paper is a complete technical-economic analysis of the hourly energy management of the energy generated in wind-hydrogen systems. Wind power generation depends on the unpredictable nature of the wind. If the wind-power penetration becomes high in the Spanish electrical grid, energy management will be necessary for some wind farms. A method is proposed in this paper to adjust the generation curve to the demand curve, consisting of the generation of hydrogen and storing it in a hydrogen tank during off-peak (low demand) hours, while during the rest of the hours (peak hours, high demand) the stored hydrogen can be used to generate electricity. After revising the results obtained in this paper, for the current values of efficiency of the electricity-hydrogen-electricity conversion (approximately 30%) and due to the high cost of the hydrogen components, for a wind-hydrogen system to be economically viable the price of the sale of the energy generated by the fuel cell would be very high (approximately 171 cEUR/kWh). (author)

The use of burnup credit for spent fuel cask design

International Nuclear Information System (INIS)

Lake, W.H.

1993-01-01

A new generation of high capacity spent fuel transport casks is being developed by the U.S. Department of Energy (DOE) as part of the Federal Waste Management System (FWMS). Burnup credit, which recognizes the reduced reactivity of spent fuel is being used for these casks. Two cask designs being developed for DOE by Babcock and Wilcox and General Atomics use burnup credit. The cask designs must be certified by the U.S. Nuclear Regulatory Commission (NRC) if they are to be used in the FWMS. Certification of these casks by the NRC would not require any change in the NRC's transport regulations, and would be consistent with past practices. Furthermore, use of burnup credit casks appears to be consistent with current International Atomic Energy Agency (IAEA) rules and regulations. To support NRC certification, DOE has identified the technical issues related to burnup credit, and embarked on a development program to resolve them. (J.P.N.)

First-Generation College Student Dissertation Abstracts: Research Strategies, Topical Analysis, and Lessons Learned

Science.gov (United States)

Banning, James H.

2014-01-01

First-generation college students are students whose parents or guardians did not obtain a four year college degree (Davis, 2012). As a group these students make up a large part of the college student population and are often reported to encounter difficulties in their campus experience. While the topic of first-generation student has received…

The influence of sovereign credit ratings on corporate credit ratings.

OpenAIRE

Umutoni, Liliane

2017-01-01

Credit ratings have a key role in modern financial markets as they communicate crucial information on the creditworthiness of a debt issuer to investors and regulators. These credit ratings are mostly determined by three rating agencies, namely Standard & Poor’s, Moody’s and Fitch, even though, the credit rating industry counts a dozen of recognized rating agencies. Indeed, the three agencies have become the market leaders with a market share of 94.3% on the U.S market (Bloomberg, 2015) and 9...

Design Course for Micropower Generation Devices

Science.gov (United States)

Mitsos, Alexander

2009-01-01

A project-based design course is developed for man-portable power generation via microfabricated fuel cell systems. Targeted audience are undergraduate chemical/process engineering students in their final year. The course covers 6 weeks, with three hours of lectures per week. Two alternative projects are developed, one focusing on selection of…

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...

Sex of respondent and credit attitudes as predictors of credit card use and debt payment.

Science.gov (United States)

McCall, Michael; Eckrich, Donald W

2006-06-01

Researchers have suggested there may be sex differences in attitudes towards credit card possession and use. Undergraduates, 41 men and 41 women, completed a survey regarding their attitudes towards credit, credit card use, and repayment. Analysis indicated sex played a significant moderating role between number of credit cards used and the importance of paying off monthly balances. Women possessed more credit cards than men and engaged in more frequent shopping. Number of credit cards increased with paying off of monthly balances. Data are discussed in terms of the importance of managing credit card debt in an increasingly cashless society.

Consumer Handbook to Credit Protection Laws.

Science.gov (United States)

Board of Governors of the Federal Reserve System, Washington, DC.

The five sections of this consumer handbook are The Cost of Credit, Applying for Credit, Credit Histories and Records, Correcting Credit Mistakes, and Complaining about Credit. Each section discusses relevant legislation: Truth in Lending, the Equal Credit Opportunity Act, and the Fair Credit Reporting Act. Topics discussed in section I include…

Economic policy uncertainty, credit risks and banks lending decisions: Evidence from Chinese commercial banks

Institute of Scientific and Technical Information of China (English)

Qinwei Chi; Wenjing Li

2017-01-01

Using data for Chinese commercial banks from 2000 to 2014, this paper examines the effects of economic policy uncertainty(EPU) on banks’ credit risks and lending decisions. The results reveal significantly positive connections among EPU and non-performing loan ratios, loan concentrations and the normal loan migration rate. This indicates that EPU increases banks’ credit risks and negatively influences loan size, especially for joint-equity banks. Given the increasing credit risks generated by EPU, banks can improve operational performance by reducing loan sizes. Further research indicates that the effects of EPU on banks’ credit risks and lending decisions are moderated by the marketization level, with financial depth moderating the effect on banks’ credit risks and strengthening it on lending decisions.

MANAGEMENT OF CREDIT LOSSES

Directory of Open Access Journals (Sweden)

Natalya P. Anoshkina

2018-06-01

Full Text Available The paper is devoted to the problem of credit loss management topical for modern Russian science and banking practice. The bank’s lending activity is an integral and the most profitable sphere of banking activity. Banks need to take credit risks inherent in their core business and minimize their impact through the establishment of advanced risk management systems. The study, reflected in the present paper, has been conducted in order to determine approaches to the organization of credit loss management in banking. Analysis of the system of management of credit risks and credit losses has shown that they have different scope, object and purpose. In this connection, there is an objective necessity to create a special subsystem for the management of credit losses in banks. On the basis of common bank approaches to credit risk management, the paper develops models of credit loss management: a multi-level management model in the area of ‘operational-tactical-strategic management’ and a functional management model in the area of ‘technology-execution-control’. These models are important for the modern theory and practice of banking, as they allow the bank to manage credit losses on the entire time horizon of the management process, thus opening a wide range of opportunities for the creation and implementation of large-scale programs, as well as specific techniques. This study allows drawing a conclusion about the need to consider control credit losses as a strictly regulated multi-level process, in which each division is assigned with specific objectives, tasks, functions, formally enshrined in the relevant lists, job descriptions and other legal documents.

Non-conventional fuel tax credit

International Nuclear Information System (INIS)

Soeoet, P.M.

1988-01-01

Coal-seam methane, along with certain other non-conventional fuels, is eligible for a tax credit. This production tax credit allowed coal-seam methane producers to receive $0.7526 per million Btu of gas sold during 1986. In 1987, this credit rose to $0.78 per million Btu. The tax credit is a very significant element of the economic analysis of current coal-seam methane projects. In today's spot market, gas prices are around $1.50 per million Btu. Allowing for costs of production, the gas producer will net more income from the tax credit than from the sale of the gas. The Crude Oil Windfall Profit Tax Act of 1980 is the source of this tax credit. There were some minor changes made by subsequent legislation, but most of the tax credit has remained intact. Wells must be drilled by 1990 to qualify for the tax credit but the production from such wells is eligible for the tax credit until 2001. Projections have been made, showing that the tax credit should increase to $0.91 per million Btu for production in 1990 and $1.34 per million Btu in 2000. Variables which may decrease the tax credit from these projections are dramatically lower oil prices or general economic price deflation

Credit Management System

Data.gov (United States)

US Agency for International Development — Credit Management System. Outsourced Internet-based application. CMS stores and processes data related to USAID credit programs. The system provides information...

Educational Alliances, Property Rights and Trust: Issues of Transaction Costs in the Transfer of Credit.

Science.gov (United States)

Girton, Kathryn M.

Using transaction-cost economics as a theoretical lens, this paper analyzes educational alliances, which are agreements between educational organizations, such as those between 2-year and 4-year colleges. Transaction costs are those costs associated with the movement of course-credit hours across different institutional environments. The report…

Student generated assignments about electrical circuits in a computer simulation

NARCIS (Netherlands)

Vreman-de Olde, Cornelise; de Jong, Anthonius J.M.

2004-01-01

In this study we investigated the design of assignments by students as a knowledge-generating activity. Students were required to design assignments for 'other students' in a computer simulation environment about electrical circuits. Assignments consisted of a question, alternatives, and feedback on

Benefits of actinide-only burnup credit for shutdown PWRs

International Nuclear Information System (INIS)

Lancaster, D.; Fuentes, E.; Kang, C.; Rivard, D.

1998-02-01

Owners of PWRs that are shutdown prior to resolution of interim storage or permanent disposal issues have to make difficult decisions on what to do with their spent fuel. Maine Yankee is currently evaluating multiple options for spent fuel storage. Their spent fuel pool has 1,434 assemblies. In order to evaluate the value to a utility of actinide-only burnup credit, analysis of the number of canisters required with and without burnup credit was made. In order to perform the analysis, loading curves were developed for the Holtec Hi-Star 100/MPC-32. The MPC-32 is hoped to be representative of future burnup credit designs from many vendors. The loading curves were generated using the actinide-only burnup credit currently under NRC review. The canister was analyzed for full loading (32 assemblies) and with partial loadings of 30 and 28 assemblies. If no burnup credit is used the maximum capacity was assumed to be 24 assemblies. this reduced capacity is due to the space required for flux traps which are needed to sufficiently reduce the canister reactivity for the fresh fuel assumption. Without burnup credit the 1,343 assemblies would require 60 canisters. If all the fuel could be loaded into the 32 assembly canisters only 45 canisters would be required. Although the actinide-only burnup credit approach is very conservative, the total number of canisters required is only 47 which is only two short of the minimum possible number of canisters. The utility is expected to buy the canister and the storage overpack. A reasonable cost estimate for the canister plus overpack is $500,000. Actinide-only burnup credit would save 13 canisters and overpacks which is a savings of about $6.5 million. This savings is somewhat reduced since burnup credit requires a verification measurement of burnup. The measurement costs for these assemblies can be estimated as about $1 million. The net savings would be $5.5 million

Credit Union Headquarters

Data.gov (United States)

Department of Homeland Security — The National Credit Union Administration (NCUA) is the independent federal agency that charters and supervises federal credit unions. NCUA, backed of the full faith...

The Impact of E-Education on At Risk High School Students' Science Achievement and Experiences during Summer School Credit Recovery Courses

Science.gov (United States)

Phillips, Pamela Prevette

Nationally, at risk students make up to 30% of U.S. students in public schools. Many at risk students have poor attendance, are disengaged from the learning environment and have low academic achievement. Educational failure occurs when students do not complete the required courses and as a result do not receive a high school diploma or a certificate of attendance. Many at risk students will not graduate; nearly one-third of all United States high school students have left the public school system before graduating, which has been referred to as a national crisis. Many at risk students fail science courses that are required for graduation, such as biology. Clearly, many students are not responding positively to the conditions in many public school classrooms, suggesting the need for different methods of educating at risk students, such as e-education. Three research questions guided the study: 1) Who are the students in an e-education, online summer school credit recovery course? 2) Do students' beliefs about their learning environment or other personal factors influence their academic achievement?, and 3) How do students describe their experiences of an e-education science course? This mixed methods study investigates thirty-two at risk students who were enrolled in one of three e-education science education courses (biology, earth science, and physical science) during a summer session in a rural county in a southeastern US state. These students failed their most recent science course taken in a traditional classroom setting. Artino's (2010) social-cognitive model of academic motivation and emotion was used as a theoretical framework to highlight the salient motivational factors toward learning science (e.g., task characteristics, task value beliefs, positive emotions). Student data included pre and post tests for all e-education lessons, a final exam, survey data (Students Motivation towards Science Learning (SMTSL), time (on task and idle), field notes, and

Welcoming a New Generation to College: The Millennial Students

Science.gov (United States)

Elam, Carol; Stratton, Terry; Gibson, Denise D.

2007-01-01

High on any required reading list for college-level student affairs officers and high school counselors is "Millennials Rising: The Next Great Generation" by Neil Howe and William Strauss (2000). Experts on generational change in the United States, the authors contend that the current generation of college-age and pre-college-age…

Credit risk transfer

OpenAIRE

Bank for International Settlements

2003-01-01

Executive summary Techniques for transferring credit risk, such as financial guarantees and credit insurance, have been a long-standing feature of financial markets. In the past few years, however, the range of credit risk transfer (CRT) instruments and the circumstances in which they are used have widened considerably. A number of factors have contributed to this growth, including: greater focus by banks and other financial institutions on risk management; a more rigorous approach to risk/re...

On Common Constitutional Ground: How Georgia's Scholarship Tax Credits Mirror Other State Programs and Expand Educational Opportunity

Science.gov (United States)

Carpenter, Dick M., II.; Erickson, Angela C.

2016-01-01

In 2008, Georgia launched a tax-credit scholarship program to expand educational opportunities for the state's pre-K through 12th-grade students by providing them scholarships to attend private schools. Georgia's scholarship tax credit program will help over 13,000 children get the best education for their needs at secular and religious private…

Does Competition Improve Public Schools? New Evidence from the Florida Tax-Credit Scholarship Program

Science.gov (United States)

Figlio, David; Hart, Cassandra M. D.

2011-01-01

Programs that enable students to attend private schools, including both vouchers and scholarships funded with tax credits, have become increasingly common in recent years. This study examines the impact of the nation's largest private school scholarship program on the performance of students who remain in the public schools. The Florida Tax Credit…

Educating a new generation: teaching baby boomer faculty about millennial students.

Science.gov (United States)

Mangold, Kara

2007-01-01

This review examines the impact of generational influences on the faculty-student relationship. Specifically, the baby boomer faculty-millennial learner dyad is explored, as these two generations are most representative of the faculty-student demographic. Teaching and learning preferences are emphasized, and implications and recommendations for nursing faculty are presented.

An approach for generating synthetic fine temporal resolution solar radiation time series from hourly gridded datasets

Directory of Open Access Journals (Sweden)

Matthew Perry

2017-06-01

Full Text Available A tool has been developed to statistically increase the temporal resolution of solar irradiance time series. Fine temporal resolution time series are an important input into the planning process for solar power plants, and lead to increased understanding of the likely short-term variability of solar energy. The approach makes use of the spatial variability of hourly gridded datasets around a location of interest to make inferences about the temporal variability within the hour. The unique characteristics of solar irradiance data are modelled by classifying each hour into a typical weather situation. Low variability situations are modelled using an autoregressive process which is applied to ramps of clear-sky index. High variability situations are modelled as a transition between states of clear sky conditions and different levels of cloud opacity. The methods have been calibrated to Australian conditions using 1 min data from four ground stations for a 10 year period. These stations, together with an independent dataset, have also been used to verify the quality of the results using a number of relevant metrics. The results show that the method generates realistic fine resolution synthetic time series. The synthetic time series correlate well with observed data on monthly and annual timescales as they are constrained to the nearest grid-point value on each hour. The probability distributions of the synthetic and observed global irradiance data are similar, with Kolmogorov-Smirnov test statistic less than 0.04 at each station. The tool could be useful for the estimation of solar power output for integration studies.

12 CFR 561.12 - Consumer credit.

Science.gov (United States)

2010-01-01

...; loans in the nature of overdraft protection; and credit extended in connection with credit cards. ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Consumer credit. 561.12 Section 561.12 Banks... AFFECTING ALL SAVINGS ASSOCIATIONS § 561.12 Consumer credit. The term consumer credit means credit extended...

THE CREDIT AND CREDIT RISK MANAGEMENT DURING THE CRISIS

Directory of Open Access Journals (Sweden)

Chitan Gheorghe

2012-03-01

Full Text Available Considering the importance of credit risk management to ensure the financial system stability,the paper presents financial and real sector interaction highlighting that credit growth based on increase of creditdemand, of income, of assets prices, of currency availability, the interest rate differential between countries andrelaxation of regulatory framework, leaves banks more vulnerable to subsequent downturn in economic activity andasset prices. It also outlines the steps taken or those I think that should be implemented in terms of improving creditrisk management, implementation of regulatory measures to limit credit expansion, enforcing the regulatoryrequirements for covering the expected and unexpected losses, introduction of new surveillance tools aimed to leadto a more resilient financial system.

78 FR 68480 - Self-Regulatory Organizations; ICE Clear Credit LLC; Notice of Filing of Proposed Rule Change to...

Science.gov (United States)

2013-11-14

... Index Version of Fungible Contracts After a Credit Event or a Succession Event; Updating Relevant... official business days between the hours of 10:00 a.m. and 3:00 p.m. Copies of such filings also will be...

Perceived Factors Influencing High School Student Participation in an Integrated Statewide Dual Credit Program: An Examination of Program Success and Student Higher Education Selection Decisions

Science.gov (United States)

Touchstone, Allison J. L.

2010-01-01

Dual credit programs have become increasingly popular with 71% U.S. public high schools offering dual credit courses in 2002-2003. As this popularity has grown, so have concerns regarding academic rigor, course quality, parity with college courses, and effects on higher education. Determining actual dual credit course equivalent in higher…

Self-Esteem, Locus of Control, College Adjustment, and GPA among First- and Continuing-Generation Students: A Moderator Model of Generational Status

Science.gov (United States)

Aspelmeier, Jeffery E.; Love, Michael M.; McGill, Lauren A.; Elliott, Ann N.; Pierce, Thomas W.

2012-01-01

The role of generational status (first-generation vs. continuing-generation college students) as a moderator of the relationship between psychological factors and college outcomes was tested to determine whether generational status acts as a risk factor or as a sensitizing factor. The sample consisted of 322 undergraduate students who completed…

Determinants of SME credit worthiness under Basel rules: the value of credit history information

Directory of Open Access Journals (Sweden)

Francesco Dainelli

2013-03-01

Full Text Available The Basel III Accord has reportedly had an impact on SME financing. In this paper, we aim to highlight the determinants of SME credit worthiness. We use credit history in addition to financial ratios and “hybrid” indicators that have been built by mixing credit history with financial statement data. We develop a failure prediction logit model on 187 Italian SMEs. The use of short-term credit lines is the most important variable. Contrary to common understanding, capitalization levels do not affect ratings. Lastly, credit worthiness is sensitive to sale profitability.

Correlation of 2 hour, 4 hour, 8 hour and 12 hour urine protein with 24 hour urinary protein in preeclampsia.

Directory of Open Access Journals (Sweden)

Savita Rani Singhal

2014-09-01

Full Text Available To find shortest and reliable time period of urine collection for determination of proteinuria.It is a prospective study carried out on 125 pregnant women with preeclampsia after 20 weeks of gestation having urine albumin >1 using dipstick test. Urine was collected in five different time intervals in colors labeled containers with the assistance of nursing staff; the total collection time was 24 hours. Total urine protein of two-hour, four-hour, eight-hour, 12-hour and 24-hour urine was measured and compared with 24-hour collection. Data was analyzed using the Pearson correlation coefficient.There was significant correlation (p value < 0.01 in two, four, eight and 12-hour urine protein with 24-urine protein, with correlation coefficient of 0.97, 0.97, 0.96 and 0.97, respectively. When a cut off value of 25 mg, 50 mg. 100 mg, and 150 mg for urine protein were used for 2-hour, 4-hours, 8-hour and 12-hour urine collection, a sensitivity of 92.45%, 95.28%, 91.51%, and 96.23% and a specificity of 68.42%, 94.74%, 84.21% and 84.21% were obtained, respectively.Two-hour urine proteins can be used for assessment of proteinuria in preeclampsia instead of gold standard 24-hour urine collection for early diagnosis and better patient compliance.

Credit derivatives and risk management

OpenAIRE

Michael S. Gibson

2007-01-01

The striking growth of credit derivatives suggests that market participants find them to be useful tools for risk management. I illustrate the value of credit derivatives with three examples. A commercial bank can use credit derivatives to manage the risk of its loan portfolio. An investment bank can use credit derivatives to manage the risks it incurs when underwriting securities. An investor, such as an insurance company, asset manager, or hedge fund, can use credit derivatives to align its...

Latinos in the Credit Economy

OpenAIRE

Ralph, Lisa M.

2010-01-01

Access to consumer credit as a means of building wealth is one of the least examined forms of social inequality. The recent economic crisis in the United States has brought attention to the significance of consumer credit in our nation's economy; however, less understood are the specific obstacles and barriers that prevent low-income individuals from reaching the "American Dream." In an exploratory manner, this study compared credit access, credit literacy, and credit experience of low-income...

Quality of urban forest carbon credits

Science.gov (United States)

Neelam C. Poudyala; Jacek P. Siry; J.M. Bowker

2011-01-01

While the urban forest is considered an eligible source of carbon offset credits, little is known about its market potential and the quality aspects of the credits. As credit suppliers increase in number and credit buyers become more interested in purchasing carbon credits, it is unclear whether and how urban forest carbon credits can perform relative to the other...

Agricultural Credit Utilization among Small Scale Women Farmers in ...

African Journals Online (AJOL)

... monitor regularly the disbursement of agricultural loan to women farmers at the appropriate planning season with reasonable interest charge and that extension agents should ensure that the loan is utilized for only agricultural purposes. Key words: Credit utilization, small-scale farmer's income generation, Niger State.

Boundedly rational credit cycles

OpenAIRE

Sáez, María

1996-01-01

We propose an evolutionary model of a credit market. We show that the economy exhibits credit cycles. The model predicts dynamics which are consistent with some evidence about the Great Depression. Real shocks trigger episodes of credit--crunch which are observed in the process of adjustment towards the post shock equilibrium.

Generating Cognitive Dissonance in Student Interviews through Multiple Representations

Science.gov (United States)

Linenberger, Kimberly J.; Bretz, Stacey Lowery

2012-01-01

This study explores what students understand about enzyme-substrate interactions, using multiple representations of the phenomenon. In this paper we describe our use of the 3 Phase-Single Interview Technique with multiple representations to generate cognitive dissonance within students in order to uncover misconceptions of enzyme-substrate…

Dual Enrollment for High School Students

Science.gov (United States)

Edwards, Linsey; Hughes, Katherine

2011-01-01

Dual enrollment programs allow high school students to enroll in college courses and potentially earn college credit. The term concurrent enrollment is sometimes used interchangeably with dual enrollment, and sometimes to refer to a particular model of dual enrollment. In some programs, students earn high school and college credit simultaneously;…

Statistical credit risk assessment model of small and very small enterprises for Lithuanian credit unions

OpenAIRE

Špicas, Renatas

2017-01-01

While functioning in accordance with the new, business and efficiency-oriented operating model, credit unions develop and begin functioning outside the community. It is universally recognised in scientific literature that as credit unions expand their activities beyond a community, social relations with credit union members weaken and the credit unions lose their social control element, which help them to better assess and manage information asymmetry and credit risk. So far, the analysis of ...

Comment on Geoengineering with seagrasses: is credit due where credit is given?

Science.gov (United States)

Oreska, Matthew P. J.; McGlathery, Karen J.; Emmer, Igino M.; Needelman, Brian A.; Emmett-Mattox, Stephen; Crooks, Stephen; Megonigal, J. Patrick; Myers, Doug

2018-03-01

In their recent review, ‘Geoengineering with seagrasses: is credit due where credit is given?,’ Johannessen and Macdonald (2016) invoke the prospect of carbon offset-credit over-allocation by the Verified Carbon Standard as a pretense for their concerns about published seagrass carbon burial rate and global stock estimates. Johannessen and Macdonald (2016) suggest that projects seeking offset-credits under the Verified Carbon Standard methodology VM0033: Methodology for Tidal Wetland and Seagrass Restoration will overestimate long-term (100 yr) sediment organic carbon (SOC) storage because issues affecting carbon burial rates bias storage estimates. These issues warrant serious consideration by the seagrass research community; however, VM0033 does not refer to seagrass SOC ‘burial rates’ or ‘storage.’ Projects seeking credits under VM0033 must document greenhouse gas emission reductions over time, relative to a baseline scenario, in order to receive credits. Projects must also monitor changes in carbon pools, including SOC, to confirm that observed benefits are maintained over time. However, VM0033 allows projects to conservatively underestimate project benefits by citing default values for specific accounting parameters, including CO2 emissions reductions. We therefore acknowledge that carbon crediting methodologies such as VM0033 are sensitive to the quality of the seagrass literature, particularly when permitted default factors are based in part on seagrass burial rates. Literature-derived values should be evaluated based on the concerns raised by Johannessen and Macdonald (2016), but these issues should not lead to credit over-allocation in practice, provided VM0033 is rigorously followed. These issues may, however, affect the feasibility of particular seagrass offset projects.

Raising money with tax incentives: an overview of how U.S. tax credits are marketed

International Nuclear Information System (INIS)

Rotroff, A.S.; Sanderson, G.A.

1997-01-01

This article outlines a method for using certain U.S. income tax credits to raise investment capital. With proper structuring, these tax credits can essentially be ''sold'' to outside investors. A project which may not have sufficient income to take advantage of tax benefits, such as the 29 alternative fuel credit, may sell an interest in the project to commercial investors who can use tax credits. The investors provide cash for the project in return for the tax credits, as well as a portion of the income generated by the project. This article outlines how this type of arrangement can be structured and which tax credits are available for ''sale''. It also identifies possible sources of investment money, issues that an investor will likely consider before investing in such a project, and the potential pitfalls of such a project. (author)

Do Facilitated Online Dual Credit Classes Result in Deep Learning?

Science.gov (United States)

Stark Education Partnership, 2015

2015-01-01

This study, with funding from the Jennings Foundation, sought to answer the following broad research question: Do facilitated online dual credit courses result in deep learning? The answer to this question is key to addressing barriers many students face in bridging from high school to college. This report includes a descriptive case study that…

Funding School Choice: A Road Map to Tax-Credit Scholarship Programs and Scholarship Granting Organizations. Issues in Depth

Science.gov (United States)

Forster, Greg

2006-01-01

Many states are considering a form a school choice known as "tax-credit scholarships," which currently provide school choice to almost 60,000 students in Arizona, Florida and Pennsylvania, which and have just been enacted in Iowa. This guide shows how tax-credit scholarships work and introduces the scholarship granting organizations that…

Models of Credit Risk Measurement

OpenAIRE

Hagiu Alina

2011-01-01

Credit risk is defined as that risk of financial loss caused by failure by the counterparty. According to statistics, for financial institutions, credit risk is much important than market risk, reduced diversification of the credit risk is the main cause of bank failures. Just recently, the banking industry began to measure credit risk in the context of a portfolio along with the development of risk management started with models value at risk (VAR). Once measured, credit risk can be diversif...

Ocean fertilization, carbon credits and the Kyoto Protocol

Science.gov (United States)

Westley, M. B.; Gnanadesikan, A.

2008-12-01

Commercial interest in ocean fertilization as a carbon sequestration tool was excited by the December 1997 agreement of the Kyoto Protocol to the United Nations Convention on Climate Change. The Protocol commits industrialized countries to caps on net greenhouse gas emissions and allows for various flexible mechanisms to achieve these caps in the most economically efficient manner possible, including trade in carbon credits from projects that reduce emissions or enhance sinks. The carbon market was valued at 64 billion in 2007, with the bulk of the trading (50 billion) taking place in the highly regulated European Union Emission Trading Scheme, which deals primarily in emission allowances in the energy sector. A much smaller amount, worth $265 million, was traded in the largely unregulated "voluntary" market (Capoor and Ambrosi 2008). As the voluntary market grows, so do calls for its regulation, with several efforts underway to set rules and standards for the sale of voluntary carbon credits using the Kyoto Protocol as a starting point. Four US-based companies and an Australian company currently seek to develop ocean fertilization technologies for the generation of carbon credits. We review these plans through the lens of the Kyoto Protocol and its flexible mechanisms, and examine whether and how ocean fertilization could generate tradable carbon credits. We note that at present, ocean sinks are not included in the Kyoto Protocol, and that furthermore, the Kyoto Protocol only addresses sources and sinks of greenhouse gases within national boundaries, making open-ocean fertilization projects a jurisdictional challenge. We discuss the negotiating history behind the limited inclusion of land use, land use change and forestry in the Kyoto Protocol and the controversy and eventual compromise concerning methodologies for terrestrial carbon accounting. We conclude that current technologies for measuring and monitoring carbon sequestration following ocean fertilization

49 CFR 536.4 - Credits.

Science.gov (United States)

2010-10-01

... OF TRANSPORTATION TRANSFER AND TRADING OF FUEL ECONOMY CREDITS § 536.4 Credits. (a) Type and vintage... category, and model year of origin (vintage). (b) Application of credits. All credits earned and applied are calculated, per 49 U.S.C. 32903(c), in tenths of a mile per gallon by which the average fuel...

Credit Market Information Feedback

OpenAIRE

Balasubramanyan, Lakshmi; Craig, Ben R.; Thomson, James B.; Zaman, Saeed

2015-01-01

We examine how a combination of credit market and asset quality information can jointly be used in assessing bank franchise value. We find that expectations of future credit demand and future asset quality explain contemporaneous bank franchise value, indicative of the feedback in credit market information and its consequent impact on bank franchise value.

Strategies to Test for Private Student Loan Discrimination

Science.gov (United States)

Darolia, Rajeev

2014-01-01

Little is known about private student loan discrimination, in contrast to the relatively developed research on discrimination in other credit markets such as mortgages and credit cards. The private student lending market can play a key role in responding to changes in the policy or economic environment, and many students and their families turn to…

The two-child limit for Universal Credit and Child Tax Credit

OpenAIRE

MACHIN, Richard

2017-01-01

Richard Machin explores the background to, and likely impact of, the two-child limit on the child element in Universal Credit and the Child Tax Credit, which was introduced by the Welfare Reform and Work Act 2016

A Failed Experiment: Georgia's Tax Credit Scholarships for Private Schools

Science.gov (United States)

Southern Education Foundation, 2011

2011-01-01

Georgia is one of seven states that currently allow tax credits for scholarships to private schools. Georgia's law was enacted in May 2008 in order to assist low income students to transfer out of low performing public schools. Operations under the new act began in late 2008. The law permits taxpayers in Georgia to reduce their annual state taxes…

Student Engagement with Computer-Generated Feedback: A Case Study

Science.gov (United States)

Zhang, Zhe

2017-01-01

In order to benefit from feedback on their writing, students need to engage effectively with it. This article reports a case study on student engagement with computer-generated feedback, known as automated writing evaluation (AWE) feedback, in an EFL context. Differing from previous studies that explored commercially available AWE programs, this…

CREDIT DEFAULT SWAPS IN THE MECHANISM OF REDISTRIBUTION OF CREDIT RISK

Directory of Open Access Journals (Sweden)

O. Solodka

2015-03-01

Full Text Available In the article the economic nature and the functioning of CDS in terms of efficient redistribution of credit risk. The features of the dynamics of the nominal volume of the world market CDS, the gross market value and net market value of the CDS. Proved that more objective indicators of total credit risk shenerovanoho financial institutions are gross market value of the CDS and the net market value of CDS. We consider the variety and scope of CDS. Studied objectivity CDS valuation depending on the basis for valuation of CDS. In the mechanism of functioning CDS credit event as defined default “subject matter”, the features of conventional and technical default. Noted that a credit event for the use of CDS may also restructuring the company, bankruptcy or downgrade economic entity. In the article the types of CDS, including Basket Default Swap and First-of- Basket-to-Default Swap. We consider the application of CDS, namely hedge the credit risk of the underlying asset, which issued CDS; hedging credit risk of other assets by CDS; speculative trading in CDS. Depending on the particular basis for valuation of CDS, investigated objective valuation based on the value of CDS hedging; valuation CDS, based on the intensity of default; CDS valuation based on credit rating; valuation CDS, based on the value of the company. Proved that hedging through CDS will be effective only for the low correlation between the default of the underlying asset and counterparty default on swaps. It is proved that the accuracy and redutsyrovanyh structural models strongly depends on the “a long history of trading” underlying assets, asset must have a long history of trading, be the subject of in-depth analysis of a wide range of analysts and traders.

Credit Cards. Bulletin No. 721. (Revised.)

Science.gov (United States)

Fox, Linda Kirk

This cooperative extension bulletin provides basic information about credit cards and their use. It covers the following topics: types of credit cards (revolving credit, travel and entertainment, and debit); factors to consider when evaluating a credit card (interest rates, grace period, and annual membership fee); other credit card costs (late…

7 CFR 4280.139 - Credit quality.

Science.gov (United States)

2010-01-01

... 7 Agriculture 15 2010-01-01 2010-01-01 false Credit quality. 4280.139 Section 4280.139 Agriculture... Improvements Program Section B. Guaranteed Loans § 4280.139 Credit quality. The lender must determine credit quality and must address all of the elements of credit quality in a written credit analysis, including...

The Dif Identification in Constructed Response Items Using Partial Credit Model

OpenAIRE

Heri Retnawati

2017-01-01

The study was to identify the load, the type and the significance of differential item functioning (DIF) in constructed response item using the partial credit model (PCM). The data in the study were the students’ instruments and the students’ responses toward the PISA-like test items that had been completed by 386 ninth grade students and 460 tenth grade students who had been about 15 years old in the Province of Yogyakarta Special Region in Indonesia. The analysis toward the item characteris...

Value of credit bureau reports

Directory of Open Access Journals (Sweden)

Brković Milan

2017-01-01

Full Text Available An efficient system of credit information sharing contributes to solving the problem of information asymmetry on the credit and financial markets in general. The consequences of the global economic and financial crisis revealed an increasing demand for reliable information and data which could close the existing gap in their insufficiency, misuse or inadequate analytical value for the economic and financial policy makers. In that sense, more attention is directed to the usefulness of credit information sharing and the practical value of information and data contained in credit bureau reports for the purposes of achieving the overall economic policy goals. The fulfillment of that role depends mostly on the credit information sharing system and its characteristics, participants, and procedures. A credit bureau report in the best possible manner reflects all advantages and disadvantages of the established credit information exchange system in terms of its analytical value for the purposes of efficient macroeconomic and macrofinancial policies.

Burnup credit feasibility for BWR spent fuel shipments

International Nuclear Information System (INIS)

Broadhead, B.L.

1990-01-01

Considerable interest in the allowance of reactivity credit for the exposure history of power reactor fuel currently exists. This ''burnup credit'' issue has the potential to greatly reduce risk and cost when applied to the design and certification of spent of fuel casks used for transportation and storage. Analyses 1 have shown the feasibility estimated the risk and economic incentives for allowing burnup credit in pressurized water reactor (PWR) spent fuel shipping cask applications. This paper summarizes the extension of the previous PWR feasibility assessments to boiling water reactor (BWR) fuel. As with the PWR analysis, the purpose was not verification of burnup credit (see ref. 2 for ongoing work in this area) but a reasonable assessment of the feasibility and potential gains from its use in BWR applications. This feasibility analysis aims to apply simple methods that adequately characterize the time-dependent isotopic compositions of typical BWR fuel. An initial analysis objective was to identify a simple and reliable method for characterizing BWR spent fuel. The method includes characterization of a typical pin-cell spectrum, using a one-dimensional (1-D) model of a BWR assembly. The calculated spectrum allows burnup-dependent few-group material constants to be generated. Point depletion methods were then used to obtain the time-varying characteristics of the fuel. These simple methods were validated, where practical, with multidimensional methods. 6 refs., 1 tab

Individual Learning Strategies and Choice in Student-Generated Multimedia

Science.gov (United States)

McGahan, William T.; Ernst, Hardy; Dyson, Laurel Evelyn

2016-01-01

There has been an increasing focus on student-generated multimedia assessment as a way of introducing the benefits of both visual literacy and peer-mediated learning into university courses. One such assessment was offered to first-year health science students but, contrary to expectations, led to poorer performance in their end-of-semester…

“Hour of Code”: Can It Change Students’ Attitudes toward Programming?

Directory of Open Access Journals (Sweden)

Hayden Wimmer

2016-03-01

Full Text Available The Hour of Code is a one-hour introduction to computer science organized by Code.org, a non-profit dedicated to expanding participation in computer science. This study investigated the impact of the Hour of Code on students’ attitudes towards computer programming and their knowledge of programming. A sample of undergraduate students from two universities was selected to participate. Participants completed an Hour of Code tutorial as part of an undergraduate course. An electronic questionnaire was implemented in a pre-survey and post-survey format to gauge the change in student attitudes toward programming and their programming ability. The findings indicated the positive impact of the Hour of Code tutorial on students’ attitude toward programming. However, the students’ programming skills did not significantly change. The authors suggest that a deeper alignment of marketing, teaching, and content would help sustain the type of initiative exemplified by the Hour of Code.

12 CFR 703.6 - Credit analysis.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Credit analysis. 703.6 Section 703.6 Banks and... ACTIVITIES § 703.6 Credit analysis. A Federal credit union must conduct and document a credit analysis on an... Federal Deposit Insurance Corporation. A Federal credit union must update this analysis at least annually...

Trust and Credit

DEFF Research Database (Denmark)

Harste, Gorm

The present paper is an answer to the question, how did trust and credit emerge. The systems of trust and credit reduce the environmental and contextual complexities in which trust and credit are embedded. The paper analyses the forms of this reduction in a number of stages in the evolution...... of history from the present risk of modern systems back to early modernity, the Reformation and the high medieval Revolutions in law, organization and theology. It is not a history of economics, but a history of the conditions of some communication codes used in economic systems....

Explaining the level of credit spreads: Option-implied jump risk premia in a firm value model

NARCIS (Netherlands)

Cremers, K.J.M.; Driessen, J.; Maenhout, P.

2008-01-01

We study whether option-implied jump risk premia can explain the high observed level of credit spreads. We use a structural jump-diffusion firm value model to assess the level of credit spreads generated by option-implied jump risk premia. Prices and returns of equity index and individual options

Documentary Credit Transfer and Other Financing from What Can Match as Product of Credit

Directory of Open Access Journals (Sweden)

Libardo Quintero Salazar

2016-12-01

Full Text Available When a contract of international sale of goods is mediated by a form of payment as the documentary credit, exporters that initially lack financial resources to produce or obtain merchandise that then will be delivered to the importer, look as first natural possibility of financing the transfer for the documentary credit. Now not always the credit can be transferable in accordance with the Uniform Customs and Practice for Documentary Credits (UCP – because, for example, the importer or the financial entity do not want it in that way. Given the above scenario, this article aims to provide solutions, explaining legal alternatives for the exporter that is not in the UCP-, to use the money that might correspond as a result of the documentary credit, to finance the production or acquisition of goods against other traders, and then reselling them to the importer. It concludes that the exporter can achieve such immediate funding - similar to what encourage the transfer of documentary credit - using to their relations with the supplier, figures as the assignment of a future credit, banker’s acceptance and contract terms.

Drawing on Dynamic Local Knowledge through Student-Generated Photography

Science.gov (United States)

Coles-Ritchie, Marilee; Monson, Bayley; Moses, Catherine

2015-01-01

In this research, the authors explored how teachers using student-generated photography draw on local knowledge. The study draws on the framework of funds of knowledge to highlight the assets marginalized students bring to the classroom and the need for culturally relevant pedagogy to address the needs of a diverse public school population. The…

Modern bank's credit risk

Directory of Open Access Journals (Sweden)

Šabović Šerif

2015-01-01

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

Inventory and Credit Decisions under Day-Terms Credit Linked Demand and Allowance for Bad Debts

Directory of Open Access Journals (Sweden)

K. K. Aggarwal

2014-01-01

Full Text Available In order to stimulate demand of their product, firms generally give credit period to their customers. However, selling on credit exposes the firms to the additional dimension of bad debts expense (i.e., customer’s default. Moreover, credit period through its influence on demand becomes a determinant of inventory decisions and inventory sold on credit gets converted to accounts receivable indicating the interaction between the two. Since inventory and credit decisions are interrelated, inventory decisions must be determined jointly with credit decisions. Consequently, in this paper, a mathematical model is developed to determine inventory and credit decisions jointly. The demand rate is assumed to be a logistic function of credit period. The accounts receivable carrying cost along with an explicit consideration of bad debt expense which have been often ignored in previous models are incorporated in the present model. The discounted cash flow approach (DCF is used to develop the model and the objective is to maximize the present value of the firm’s net profit per unit time. Finally, numerical example and sensitivity analysis have been done to illustrate the effectiveness of the proposed model.

Financial performance as a decision criterion of credit scoring models selection [doi: 10.21529/RECADM.2017004

Directory of Open Access Journals (Sweden)

Rodrigo Alves Silva

2017-09-01

Full Text Available This paper aims to show the importance of the use of financial metrics in decision-making of credit scoring models selection. In order to achieve such, we considered an automatic approval system approach and we carried out a performance analysis of the financial metrics on the theoretical portfolios generated by seven credit scoring models based on main statistical learning techniques. The models were estimated on German Credit dataset and the results were analyzed based on four metrics: total accuracy, error cost, risk adjusted return on capital and Sharpe index. The results show that total accuracy, widely used as a criterion for selecting credit scoring models, is unable to select the most profitable model for the company, indicating the need to incorporate financial metrics into the credit scoring model selection process. Keywords Credit risk; Model’s selection; Statistical learning.

Relationship between students' interests in science and attitudes toward nuclear power generation

International Nuclear Information System (INIS)

Komiya, Izumi; Torii, Hiroyuki; Fujii, Yasuhiko; Hayashizaki, Noriyosu

2008-01-01

In order to study the following two points, we conducted an attitude survey among senior high school students. Study 1 The differences in attitudes between nuclear power generation and other science and technologies. Study 2 The relationship between student's interest in science and attitudes toward nuclear power generation. In the questionnaire, the attitude toward nuclear power generation consisted of four questions: (1) pros and cons, (2) safety, (3) necessity, (4) reliability of scientists and engineers who are involved in nuclear power; and we treat four science and technology issues: (1) genetically modified foods, (2) nuclear power generation, (3) humanoid and pet robots, (4) crone technology. From study 1, on attitude to security toward nuclear power generation, about 80% of respondents answered negatively and on attitude to necessity toward it, about 75% of respondents answered positively. Therefore, we found that the structure of attitude was complicated and that it was specific to nuclear power generation. From study 2, we found students' interests in science that influence the attitude toward nuclear power generation. (author)

Credit Card Debt Hardship Letter Samples

OpenAIRE

lissa coffey

2016-01-01

Having trouble with your credit card debt? Below you will find examples of hardship letters. There are several things to consider when writing a credit card hardship letter. A hardship letter is the first step to letting the credit card company know that things are bad. This free credit card hardship letter sample is only a guide in order to start the negotiation. Credit card debt hardship letter example, hardship letter to credit card. If you are having trouble paying off your debt and need ...

Credit cues and impression management: a preliminary attempt to explain the credit card effect.

Science.gov (United States)

McCall, Michael; Trombetta, Jessica; Gipe, Aimee

2004-08-01

Prior research had suggested that individuals would estimate higher product values and even tip more in the presence of credit cues. In the absence of a clear theoretical interpretation of this credit card effect we propose that this tendency is an impression management strategy such that credit cue exposure influences perceptions of the self and focuses attention on individual wealth. Thus, in the presence of others, credit cues serve to enhance images of the self. Preliminary data in support of this alternative theoretical perspective are presented.

Permit trading and credit trading

DEFF Research Database (Denmark)

Boom, Jan-Tjeerd; R. Dijstra, Bouwe

This paper compares emissions trading based on a cap on total emissions (permit trading) and on relative standards per unit of output (credit trading). Two types of market structure are considered: perfect competition and Cournot oligopoly. We find that output, abatement costs and the number...... of firms are higher under credit trading. Allowing trade between permit-trading and credit-trading sectors may increase in welfare. With perfect competition, permit trading always leads to higher welfare than credit trading. With imperfect competition, credit trading may outperform permit trading....... Environmental policy can lead to exit, but also to entry of firms. Entry and exit have a profound impact on the performance of the schemes, especially under imperfect competition. We find that it may be impossible to implement certain levels of total industry emissions. Under credit trading several levels...

Overrated credit risk: three essays on credit risk in turbulent times

NARCIS (Netherlands)

Bongaerts, D.G.J.

2010-01-01

Credit markets have shown a dramatic development at the start of the 21st century. Increased regulatory pressure on financial institutions has spurred the development of innovative products that allow for transfer of credit risk. These developments lay at the base of the largest financial crisis

Generational differences of baccalaureate nursing students' preferred teaching methods and faculty use of teaching methods

Science.gov (United States)

Delahoyde, Theresa

Nursing education is experiencing a generational phenomenon with student enrollment spanning three generations. Classrooms of the 21st century include the occasional Baby Boomer and a large number of Generation X and Generation Y students. Each of these generations has its own unique set of characteristics that have been shaped by values, trends, behaviors, and events in society. These generational characteristics create vast opportunities to learn, as well as challenges. One such challenge is the use of teaching methods that are congruent with nursing student preferences. Although there is a wide range of studies conducted on student learning styles within the nursing education field, there is little research on the preferred teaching methods of nursing students. The purpose of this quantitative, descriptive study was to compare the preferred teaching methods of multi-generational baccalaureate nursing students with faculty use of teaching methods. The research study included 367 participants; 38 nursing faculty and 329 nursing students from five different colleges within the Midwest region. The results of the two-tailed t-test found four statistically significant findings between Generation X and Y students and their preferred teaching methods including; lecture, listening to the professor lecture versus working in groups; actively participating in group discussion; and the importance of participating in group assignments. The results of the Analysis of Variance (ANOVA) found seventeen statistically significant findings between levels of students (freshmen/sophomores, juniors, & seniors) and their preferred teaching methods. Lecture was found to be the most frequently used teaching method by faculty as well as the most preferred teaching method by students. Overall, the support for a variety of teaching methods was also found in the analysis of data.

The Impact of Financial Development on the Relationship between Trade Credit, Bank Credit and Firm Characteristics

OpenAIRE

Jézabel Couppey-Soubeyran; Jérôme Héricourt

2013-01-01

Using a database of more than 1,300 firms from six countries in the MENA region, we study the impact of financial development on the relationship between trade credit on the one hand and bank credit access and firm-level characteristics, especially financial health, on the other hand. Trade credit use increases with the difficulty for gaining access to bank credit, and indicators of the quality of the firm's financial structure negatively influence the use of trade credit. Additional investig...

Generational Diversity in Associate Degree Nursing Students: Teaching Styles and Preferences in Pennsylvania

Science.gov (United States)

Kitko, Jennifer V.

2011-01-01

Nursing educators face the challenge of meeting the needs of a multi-generational classroom. The reality of having members from the Veteran and Baby Boomer generations in a classroom with Generation X and Y students provides an immediate need for faculty to examine students' teaching method preferences as well as their own use of teaching methods.…

Opening the Schoolhouse Doors: Tax Credits and Educational Access in Alabama

Science.gov (United States)

Carpenter, Dick M., II.; Erickson, Angela C.

2014-01-01

In 2013, Alabama adopted the Alabama Accountability Act, an education reform measure that includes two new school choice programs that extend a lifeline to Alabama students trapped in failing public schools. One program offers a tax credit to help offset the cost of tuition for families who move their children from public schools designated as…

The "Negative" Credit Card Effect: Credit Cards as Spending-Limiting Stimuli in New Zealand

Science.gov (United States)

Lie, Celia; Hunt, Maree; Peters, Heather L.; Veliu, Bahrie; Harper, David

2010-01-01

The "credit card effect" describes a finding where greater value is given to consumer items if credit card logos are present. One explanation for the effect is that credit cards elicit spending behavior through associative learning. If this is true, social, economic and historical contexts should alter this effect. In Experiment 1, Year…

Using Cutting-Edge Tree-Based Stochastic Models to Predict Credit Risk

Directory of Open Access Journals (Sweden)

Khaled Halteh

2018-05-01

Full Text Available Credit risk is a critical issue that affects banks and companies on a global scale. Possessing the ability to accurately predict the level of credit risk has the potential to help the lender and borrower. This is achieved by alleviating the number of loans provided to borrowers with poor financial health, thereby reducing the number of failed businesses, and, in effect, preventing economies from collapsing. This paper uses state-of-the-art stochastic models, namely: Decision trees, random forests, and stochastic gradient boosting to add to the current literature on credit-risk modelling. The Australian mining industry has been selected to test our methodology. Mining in Australia generates around $138 billion annually, making up more than half of the total goods and services. This paper uses publicly-available financial data from 750 risky and not risky Australian mining companies as variables in our models. Our results indicate that stochastic gradient boosting was the superior model at correctly classifying the good and bad credit-rated companies within the mining sector. Our model showed that ‘Property, Plant, & Equipment (PPE turnover’, ‘Invested Capital Turnover’, and ‘Price over Earnings Ratio (PER’ were the variables with the best explanatory power pertaining to predicting credit risk in the Australian mining sector.

Intertemporal consumption and credit constraints

DEFF Research Database (Denmark)

Leth-Petersen, Søren

2010-01-01

There is continuing controversy over the importance of credit constraints. This paper investigates whether total household expenditure and debt is affected by an exogenous increase in access to credit provided by a credit market reform that enabled Danish house owners to use housing equity...

Impacts of Federal Tax Credit Extensions on Renewable Deployment and Power Sector Emissions

Energy Technology Data Exchange (ETDEWEB)

Mai, Trieu [National Renewable Energy Lab. (NREL), Golden, CO (United States); Cole, Wesley [National Renewable Energy Lab. (NREL), Golden, CO (United States); Lantz, Eric [National Renewable Energy Lab. (NREL), Golden, CO (United States); Marcy, Cara [National Renewable Energy Lab. (NREL), Golden, CO (United States); Sigrin, Benjamin [National Renewable Energy Lab. (NREL), Golden, CO (United States)

2016-02-01

Federal tax credits for renewable energy (RE) have served as one of the primary financial incentives for RE deployment over the last two decades in the United States. In December 2015, the wind power production tax credit and solar investment tax credits were extended for five years as part of the Consolidated Appropriations Act of 2016. This report explores the impact that these tax credit extensions might have on future RE capacity deployment and power sector carbon dioxide (CO2) emissions. The analysis examines the impacts of the tax credit extensions under two distinct natural gas price futures as natural gas prices have been key factors in influencing the economic competitiveness of new RE development. The analysis finds that, in both natural gas price futures, RE tax credit extensions can spur RE capacity investments at least through the early 2020s and can help lower emissions from the U.S. electricity system. More specifically, the RE tax credit extensions are estimated to drive a net peak increase of 48-53 GW in installed RE capacity in the early 2020s -- longer term impacts are less certain. In the longer term after the tax credits ramp down, greater RE capacity is driven by a combination of assumed RE cost declines, rising fossil fuel prices, and other clean energy policies such as the Clean Power Plan. The tax credit extension-driven acceleration in RE capacity development can reduce fossil fuel-based generation and lower electric sector CO2 emissions. Cumulative emissions reductions over a 15-year period (spanning 2016-2030) as a result of the tax credit extensions are estimated to range from 540 to 1420 million metric tonnes CO2. These findings suggest that tax credit extensions can have a measurable impact on future RE deployment and electric sector CO2 emissions under a range of natural gas price futures.

WebAssign: Assessing Your Students' Understanding Continuously

Science.gov (United States)

Risley, John S.

1999-11-01

Motivating students to learn is a constant challenge for faculty. Technology can play a significant role. One such solution is WebAssign — a web-based homework system that offers new teaching and learning opportunities for educators and their students. WebAssign delivers, collects, grades, and records customized homework assignments over the Internet. Students get immediate feedback with credit and instructors can implement "Just-in-Time" teaching. In this talk, I will describe how assignments can be generated with different numerical values for each question, giving each student a unique problem to solve. This feature encourages independent thinking with the benefit of collaborative learning. Example assignments taken from textbook questions and intellectually engaging Java applet simulations will be shown. Studies and first-hand experience on the educational impact of using WebAssign will also be discussed.

The 24-Hour Mathematical Modeling Challenge

Science.gov (United States)

Galluzzo, Benjamin J.; Wendt, Theodore J.

2015-01-01

Across the mathematics curriculum there is a renewed emphasis on applications of mathematics and on mathematical modeling. Providing students with modeling experiences beyond the ordinary classroom setting remains a challenge, however. In this article, we describe the 24-hour Mathematical Modeling Challenge, an extracurricular event that exposes…

Dynamic Diversification in Corporate Credit

DEFF Research Database (Denmark)

Christoffersen, Peter; Jacobs, Kris; Jin, Xisong

We characterize diversification in corporate credit using a new class of dynamic copula models which can capture dynamic dependence and asymmetry in large samples of firms. We also document important differences between credit spread and equity return dependence dynamics. Modeling a decade...... the crisis and remain high as well. The most important shocks to credit dependence occur in August of 2007 and in August of 2011, but interestingly these dates are not associated with significant changes to median credit spreads....

12 CFR 615.5172 - Production credit association and agricultural credit association investment in farmers' notes...

Science.gov (United States)

2010-01-01

... credit association investment in farmers' notes given to cooperatives and dealers. 615.5172 Section 615....5172 Production credit association and agricultural credit association investment in farmers' notes... farmers and ranchers eligible to borrow from such associations. (b) Such notes and other obligations...

Limited take-up of health coverage tax credits: a challenge to future tax credit design.

Science.gov (United States)

Dorn, Stan; Varon, Janet; Pervez, Fouad

2005-10-01

The Trade Act of 2002 created federal tax credits to subsidize health coverage for certain early retirees and workers displaced by international trade. Though small, this program offers the opportunity to learn how to design future tax credits for larger groups of uninsured. During September 2004, the most recent month for which there are data about all forms of Trade Act credits, roughly 22 percent of eligible individuals received credits. The authors find that health insurance tax credits are more likely to reach their target populations if such credits: 1) limit premium costs for the low-income uninsured and do not require full premium payments while applications are pending; 2) provide access to coverage that beneficiaries value, including care for preexisting conditions; 3) are combined with outreach that uses easily understandable, multilingual materials and proactive enrollment efforts; and 4) feature a simple application process involving one form filed with one agency.

Use of burnup credit for transportation and storage

International Nuclear Information System (INIS)

Sanders, T.L.; Ewing, R.I.; Lake, W.H.

1991-01-01

Burnup credit is the application of the effects of fuel burnup to nuclear criticality design. When burnup credit is considered in the design of storage facilities and transportation casks for spent fuel, the objectives are to reduce the requirements for storage space and to increase the payload of casks with acceptable nuclear criticality safety margins. The spent-fuel carrying capacities of previous-generation transport casks have been limited primarily by requirements to remove heat and/or to provide shielding. Shielding and heat transfer requirements for casks designed to transport older spent fuel with longer decay times are reduced significantly. Thus a considerable weight margin is available to the designer for increasing the payload capacity. One method to achieve an increase in capacity is to reduce fuel assembly spacing. The amount of reduction in assembly spacing is limited by criticality and fuel support structural concerns. The optimum fuel assembly spacing provides the maximum cask loading within a basket that has adequate criticality control and sufficient structural integrity for regulatory accident scenarios. The incorporation of burnup credit in cask designs could result in considerable benefits in the transport of spent fuel. The acceptance of burnup credit for the design of transport casks depends on the resolution of system safety issues and the uncertainties that affect the determination of criticality safety margins. The remainder of this report will examine these issues and the integrated approach under way to resolve them. 20 refs., 2 figs

Management control of credit risk in the bank lending process

NARCIS (Netherlands)

Scheffer, S.B.

2004-01-01

Management control of credit risk in the bank lending processA casestudy to explore improvements from a managerial perspectiveAt the start of this project -back in 1998- new technologies and ideas were emerging among a new generation of financial engineering professionals who have been applying

Impact of private sector credit on the real sector of Nigeria

Directory of Open Access Journals (Sweden)

Aliyu Mamman, Ph.D

2013-07-01

Full Text Available The real sector is a strategic component of an economy because it produces and distributes tangible goods and services required to satisfy aggregate demand in the economy. For this reason, there is the need for adequate credit flow from the banking industry to the real sector, which in the Nigerian case, the credit flow has been grossly inadequate. This study is carried out to examine the impact of credit to private sector (CPS on the real sector of Nigeria with a view to assess the significant contribution of CPS to real sector growth in Nigeria. The study used aggregate time series data from 1986 to 2010, which was drawn from central bank of Nigeria (CBN statistical bulletin and CBN annual report and statement of accounts. The data was analysed using multiple regression and based on the coefficient of determination (R square, the study reveals a 96.1% variation between the CPS and real sector growth in Nigeria. The study cocludes that there is a statistically significant impact of credit to private sector on the real sector of Nigeria. This, suggest that the performance of the real sector is greatly influence by credit to private sector. The study recommends that the federal government of Nigeria through the central bank of Nigeria (CBN should enhance the financing of the real sector as well as improve credit flow to the sector because of its strategic importance in creating and generating growth of the economy.

Student Affairs administrator shares research on Millennial Generation

OpenAIRE

DeLauder, Rachel

2006-01-01

Edward Spencer of Blacksburg, Va., associate vice president for student affairs at Virginia Tech, conducted a presentation at the North Cross School in Roanoke, Va., about his research on the Millennial Generation, which represents Americans born between 1982 and the present. The presentation, titled"Understanding and Working with Millennials," focused on the changing relationship between parents and this new generation and how parents can prepare them for success in higher education and the ...

12 CFR 614.4125 - Funding and discount relationships between Farm Credit Banks or agricultural credit banks and...

Science.gov (United States)

2010-01-01

..., Risk Management, Farm Credit System Insurance Corporation. (f) A direct lender association shall... Administration office that the Chief Examiner designates, and the Director, Risk Management, Farm Credit System... Credit Banks or agricultural credit banks and direct lender associations. 614.4125 Section 614.4125 Banks...

Credit Market Development and Human Capital Accumulation

OpenAIRE

Ho, Wai-Hong

2008-01-01

In a two period overlapping generations economy with asymmetric information, we investigate the interaction between credit market development and human capital accumulation. As is typical, young borrowers supply their endowed unit of labor time to earn wage income which is used as internal funds. In contrast to conventional setups, young lenders distribute theirs between acquiring education and working for earnings. Through identifying the risk types of borrowers by a costly screening tech...

49 CFR 260.13 - Credit reform.

Science.gov (United States)

2010-10-01

... appropriations, direct payment of a Credit Risk Premium by the Applicant or a non-Federal infrastructure partner... 49 Transportation 4 2010-10-01 2010-10-01 false Credit reform. 260.13 Section 260.13... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.13 Credit reform. The Federal Credit Reform Act...

76 FR 79531 - Corporate Credit Unions

Science.gov (United States)

2011-12-22

... exclude CLF stock subscriptions, based on the asset's negligible credit risk and to facilitate corporate... removing paragraphs (c)(3) and (f)(4) and adding paragraph (h) to read as follows: Sec. 704.6 Credit risk... NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 704 RIN 3133-AD95 Corporate Credit Unions AGENCY...

Hourly temporal distribution of wind

Science.gov (United States)

Deligiannis, Ilias; Dimitriadis, Panayiotis; Koutsoyiannis, Demetris

2016-04-01

The wind process is essential for hydrometeorology and additionally, is one of the basic renewable energy resources. Most stochastic forecast models are limited up to daily scales disregarding the hourly scale which is significant for renewable energy management. Here, we analyze hourly wind timeseries giving emphasis on the temporal distribution of wind within the day. We finally present a periodic model based on statistical as well as hydrometeorological reasoning that shows good agreement with data. Acknowledgement: This research is conducted within the frame of the undergraduate course "Stochastic Methods in Water Resources" of the National Technical University of Athens (NTUA). The School of Civil Engineering of NTUA provided moral support for the participation of the students in the Assembly.

Generational diversity in associate degree nursing students: Teaching styles and preferences in Pennsylvania

Science.gov (United States)

Kitko, Jennifer V.

2011-12-01

Nursing educators face the challenge of meeting the needs of a multi-generational classroom. The reality of having members from the Veteran and Baby Boomer generations in a classroom with Generation X and Y students provides an immediate need for faculty to examine students' teaching method preferences as well as their own use of teaching methods. Most importantly, faculty must facilitate an effective multi-generational learning environment. Research has shown that the generation to which a person belongs is likely to affect the ways in which he/she learns (Hammill, 2005). Characterized by its own attitudes, behaviors, beliefs, and motivational needs, each generation also has distinct educational expectations. It is imperative, therefore, that nurse educators be aware of these differences and develop skills through which to communicate with the different generations, thereby reducing teaching/learning problems in the classroom. This is a quantitative, descriptive study that compared the teaching methods preferred by different generations of associate degree nursing students with the teaching methods that the instructors actually use. The research study included 289 participants; 244 nursing student participants and 45 nursing faculty participants from four nursing departments in colleges in Pennsylvania. Overall, the results of the study found many statistically significant findings. The results of the ANOVA test revealed eight statistically significant findings among Generation Y, Generation X and Baby boomers. The preferred teaching methods included: lecture, self-directed learning, web-based course with no class meetings, important for faculty to know my name, classroom structure, know why I am learning what I am learning, learning for the sake of learning and grade is all that matters. Lecture was found to be the most frequently used teaching method by faculty as well as the most preferred teaching methods by students. Overall, the support for a variety of

Expanding gerontology enrollments: successful results of an innovative outreach program.

Science.gov (United States)

Reynolds, Sandra L; Haley, William E; Hyer, Kathryn

2007-01-01

As state budget allocations for higher education decrease, "specialty" programs such as gerontology must continually demonstrate their productivity. State and private universities increasingly rely on student credit hours (SCH) or tuition generated, which is making it difficult for many gerontology programs to expand. The School of Aging Studies at the University of South Florida has achieved a 236% increase in annual SCH productivity over the past 5 years by methods including qualifying courses for university liberal arts requirements, and designing and cross-listing interdisciplinary courses. This increased productivity has supported program expansion and led to beneficial outreach to students from diverse majors.

314 A Study of Secondary School Students' Academic Performance ...

African Journals Online (AJOL)

User

Students' Academic Performance in English Language and Mathematics ... passed at credit level by secondary schools students in public examinations. A credit level ..... ls O n lin e: www.a jo l.in fo. T ab le 1. : P ercen tage of p asses and failu.

Health and academic success: A look at the challenges of first-generation community college students.

Science.gov (United States)

McFadden, Deanna L H

2016-04-01

Community colleges in the United States serve more than six million students and are the gateway to postsecondary education for individuals from typically underserved populations such as low-income, ethnic minorities, and first-generation college students. First-generation college students are defined as students whose adoptive or natural parents' highest level of education was a high school diploma or less. Postsecondary education has the potential to reduce both health and socioeconomic disparities. First-generation community college students face significant economic, social, and cultural barriers to academic success and are the most at risk for "dropping-out." The purpose of this brief report was to explore what is known about social, psychological, and physical factors that impede first-generation community college students' academic success. Little is known about potential health and psychological barriers experienced by first-generation community college students that impact academic achievement. Advanced practice nurses (APNs) on community college campuses are in the ideal position to identify and treat health issues, and conduct much-needed research into these areas. College health centers are an important practice setting for APNs to provide direct care to students as well as influence college policies that improve student health, well-being, and promote academic success. ©2016 American Association of Nurse Practitioners.

Experiences of Adult Students in Multi-Generational Community College Classrooms

Science.gov (United States)

Clemente, Kathleen Ann

2010-01-01

This qualitative study is a basic interpretative inquiry studying the experiences of fourteen adult students 45 years of age or older in a multi-generational community college classroom. The study is informed by social constructivism, social constructionism and andragogy. It focused on how students viewed their experiences in the…

Closing the social-class achievement gap: a difference-education intervention improves first-generation students' academic performance and all students' college transition.

Science.gov (United States)

Stephens, Nicole M; Hamedani, MarYam G; Destin, Mesmin

2014-04-01

College students who do not have parents with 4-year degrees (first-generation students) earn lower grades and encounter more obstacles to success than do students who have at least one parent with a 4-year degree (continuing-generation students). In the study reported here, we tested a novel intervention designed to reduce this social-class achievement gap with a randomized controlled trial (N = 168). Using senior college students' real-life stories, we conducted a difference-education intervention with incoming students about how their diverse backgrounds can shape what they experience in college. Compared with a standard intervention that provided similar stories of college adjustment without highlighting students' different backgrounds, the difference-education intervention eliminated the social-class achievement gap by increasing first-generation students' tendency to seek out college resources (e.g., meeting with professors) and, in turn, improving their end-of-year grade point averages. The difference-education intervention also improved the college transition for all students on numerous psychosocial outcomes (e.g., mental health and engagement).

12 CFR 614.4720 - Letters of credit.

Science.gov (United States)

2010-01-01

... Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Banks for Cooperatives and Agricultural Credit Banks Financing International Trade § 614.4720 Letters of credit. Banks for cooperatives and agricultural credit banks, under policies adopted by their boards of directors...

Optimal replenishment and credit policy in supply chain inventory model under two levels of trade credit with time- and credit-sensitive demand involving default risk

Science.gov (United States)

Mahata, Puspita; Mahata, Gour Chandra; Kumar De, Sujit

2018-03-01

Traditional supply chain inventory modes with trade credit usually only assumed that the up-stream suppliers offered the down-stream retailers a fixed credit period. However, in practice the retailers will also provide a credit period to customers to promote the market competition. In this paper, we formulate an optimal supply chain inventory model under two levels of trade credit policy with default risk consideration. Here, the demand is assumed to be credit-sensitive and increasing function of time. The major objective is to determine the retailer's optimal credit period and cycle time such that the total profit per unit time is maximized. The existence and uniqueness of the optimal solution to the presented model are examined, and an easy method is also shown to find the optimal inventory policies of the considered problem. Finally, numerical examples and sensitive analysis are presented to illustrate the developed model and to provide some managerial insights.

Forecasting the value of credit scoring

Science.gov (United States)

Saad, Shakila; Ahmad, Noryati; Jaffar, Maheran Mohd

2017-08-01

Nowadays, credit scoring system plays an important role in banking sector. This process is important in assessing the creditworthiness of customers requesting credit from banks or other financial institutions. Usually, the credit scoring is used when customers send the application for credit facilities. Based on the score from credit scoring, bank will be able to segregate the "good" clients from "bad" clients. However, in most cases the score is useful at that specific time only and cannot be used to forecast the credit worthiness of the same applicant after that. Hence, bank will not know if "good" clients will always be good all the time or "bad" clients may become "good" clients after certain time. To fill up the gap, this study proposes an equation to forecast the credit scoring of the potential borrowers at a certain time by using the historical score related to the assumption. The Mean Absolute Percentage Error (MAPE) is used to measure the accuracy of the forecast scoring. Result shows the forecast scoring is highly accurate as compared to actual credit scoring.

CreditCoin: A Privacy-Preserving Blockchain-Based Incentive Announcement Network for Communications of Smart Vehicles

KAUST Repository

Li, Lun

2018-01-23

The vehicular announcement network is one of the most promising utilities in the communications of smart vehicles and in the smart transportation systems. In general, there are two major issues in building an effective vehicular announcement network. First, it is difficult to forward reliable announcements without revealing users\\' identities. Second, users usually lack the motivation to forward announcements. In this paper, we endeavor to resolve these two issues through proposing an effective announcement network called CreditCoin, a novel privacy-preserving incentive announcement network based on Blockchain via an efficient anonymous vehicular announcement aggregation protocol. On the one hand, CreditCoin allows nondeterministic different signers (i.e., users) to generate the signatures and to send announcements anonymously in the nonfully trusted environment. On the other hand, with Blockchain, CreditCoin motivates users with incentives to share traffic information. In addition, transactions and account information in CreditCoin are tamper-resistant. CreditCoin also achieves conditional privacy since Trace manager in CreditCoin traces malicious users\\' identities in anonymous announcements with related transactions. CreditCoin thus is able to motivate users to forward announcements anonymously and reliably. Extensive experimental results show that CreditCoin is efficient and practical in simulations of smart transportation.

Buy Now, Pay Later? Teacher's Guide [and] Student Materials.

Science.gov (United States)

Estes, Cynthia

This consumer education capsule focuses on credit financing, with emphasis on the rights and responsibilities of using credit. It is intended for use in conjunction with seventh or eighth grade mathematics textbooks when teaching computation of simple interest. Activities require from four to six hours of instructional time. Specific objectives…

First Generation College Student Leadership Potential: A Mixed Methods Analysis

Science.gov (United States)

Hojan-Clark, Jane M.

2010-01-01

This mixed methods research compared the leadership potential of traditionally aged first generation college students to that of college students whose parents are college educated. A college education provides advantages to those who can obtain it (Baum & Payea, 2004; Black Issues in Higher Education, 2005; Education and the Value of…

Marginal Pricing and Student Investment in Higher Education

Science.gov (United States)

Hemelt, Steven W.; Stange, Kevin M.

2016-01-01

This paper examines the effect of marginal price on students' educational investments using rich administrative data on students at Michigan public universities. Marginal price refers to the amount colleges charge for each additional credit taken in a semester. Institutions differ in how they price credits above the full-time minimum (of 12…

Nutrient Credit Trading--a Market-based Approach for Improving Water Quality

Science.gov (United States)

Farmers are getting financial rewards for implementing conservation measures on their farms. Industrial wastewater treatment plants are buying credits generated from these measures to meet their NPDES permit regulatory requirements. This is referred to as “water quality trading.” The treatment p...

CREDIT Performance Indicator Framework

DEFF Research Database (Denmark)

Frandsen, Anne Kathrine; Bertelsen, Niels Haldor; Haugbølle, Kim

2010-01-01

During the past two years the Nordic Baltic research project CREDIT (Construction and Real Estate – Developing Indicators for Transparency) has worked with the aim to improve transparency of value creation in building and real estate. One of the central deliverables of the CREDIT project was a fr......During the past two years the Nordic Baltic research project CREDIT (Construction and Real Estate – Developing Indicators for Transparency) has worked with the aim to improve transparency of value creation in building and real estate. One of the central deliverables of the CREDIT project...... was a framework of indicators relevant in building and real estate and applicable in the Nordic and Baltic countries as well as a proposal for a set of key indicators. The study resulting in CREDIT Performance Indicator Framework has been based on 28 case studies of evaluation practises in the building and real...... estate sector each addressing three interlinked levels: building/ projects level, company or enterprise level and benchmarking system level. Additionally it has been based on dialogue with researchers and professional organisation, international research and standardisation work and national building...

12 CFR 704.6 - Credit risk management.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Credit risk management. 704.6 Section 704.6... CREDIT UNIONS § 704.6 Credit risk management. (a) Policies. A corporate credit union must operate according to a credit risk management policy that is commensurate with the investment risks and activities...

How Am I Going to Pay for That?!: First-Generation University Students and Their Financial Concerns

Science.gov (United States)

Shultz, Judith J. Andrews

2013-01-01

This study examines first-generation research-university students in relation to their financial considerations. It is driven by the question, What is the relationship between first-generation college-student status and financial considerations among research-university students? It explores the impact of such variables as first-generation student…

Student-Generated Content: Enhancing Learning through Sharing Multiple-Choice Questions

Science.gov (United States)

Hardy, Judy; Bates, Simon P.; Casey, Morag M.; Galloway, Kyle W.; Galloway, Ross K.; Kay, Alison E.; Kirsop, Peter; McQueen, Heather A.

2014-01-01

The relationship between students' use of PeerWise, an online tool that facilitates peer learning through student-generated content in the form of multiple-choice questions (MCQs), and achievement, as measured by their performance in the end-of-module examinations, was investigated in 5 large early-years science modules (in physics, chemistry and…

Private Sector Credit and Inflation Volatility

Directory of Open Access Journals (Sweden)

Lorna Katusiime

2018-04-01

Full Text Available This paper investigates the effect of inflation volatility on private sector credit growth. The results indicate that private sector credit growth is positively linked to the one period lagged inflation volatility. Given that past monetary policy actions continue to affect the targeted variables due to the substantial lags in the transmission mechanism, the positive response of private sector credit growth to past inflation volatility suggests a credible monetary policy regime in Uganda, which has led to a reduction in the level of macroeconomic uncertainty and the restoration of favorable economic conditions and prospects, thus increasing the demand for credit. Further, the study finds that the lagged private sector credit growth, nominal exchange rate, and inflation have a statistically significant effect on private sector credit growth while financial innovation, interest rates, and GDP growth appear not to be important determinants of private sector credit growth. The robustness of our findings is confirmed by sensitivity checks.

12 CFR 619.9145 - Farm Credit Bank.

Science.gov (United States)

2010-01-01

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

Improvements of knowledge and perception towards HIV/AIDS among secondary school students after two hours talk.

Science.gov (United States)

Jahanfar, S; Lim, A W; Loh, M A; Yeoh, A G; Charles, A

2008-10-01

Malaysia is confronted with an increasing incidence of HIV and AIDS among adolescents and young adults. The effectiveness of various programs offered to school going teenagers is unknown. The objective of this study is to measure the effectiveness of two hours talk on sex education offered by a non governmental organization (NGO) in improving youngsters' knowledge and perception towards HIV and AIDS. A cross sectional study was conducted among the adolescent students from a secondary school in Ipoh, Perak, a province of Malaysia. A total of 182 students participated in the study. A standard questionnaire consisting of demographic data, knowledge and perception towards HIV/ADIS were distributed before (pre-test) and after the intervention (post-test). Performance of participants was compared to establish the effectiveness of the intervention. Our findings suggests that there was a significant increase in participants' knowledge and perception after the intervention (p = 0.000). Knowledge improvement was found in both genders however, improvement in perception was higher among female students. Interestingly, 80% of participants disagree that sexual education will encourage sex among youngsters. NGOs are playing a supplementary role in providing sex education programs in schools. This program although of short duration but it is effective in enhancing adolescence awareness about HIV/AIDS.

CORRELATED ANALYSIS OF CLIENT-CREDIT COST WITH THE ONE OF SUPPLIER - CREDIT COST

Directory of Open Access Journals (Sweden)

MIRELA MONEA

2012-01-01

Full Text Available The given client-credit has associated several types of costs. If a company gives client-credit for a certain period of time, then it will have to finance its activity from other sources. Another aspect is the one related to the size of allotted sum. The sum that must be covered does not equal the turnover. The impact on financing the operating cycle is found usually only under the form of expenses which are made up of variable costs (because amortization must not be paid, the profit is included in the price. Thus, the sum which must be covered is not related to the non-cashed turnover from the client-credit, but only to variable costs. This will be the sum that must be covered from the financing sources. Supplier-credit is a source attracted, usually it has no cost.

Trade credit supply, market power and the matching of trade credit terms

NARCIS (Netherlands)

Fabbri, D.; Klapper, L.F.

2008-01-01

This paper studies the decision of firms to extend trade credit to customers and its relation with their financing decisions. We use a novel firm-level database with unique information on market power in both output and input markets and on the amount, terms and payment history of trade credit

Research on Credit Evaluation of Mobile Medical APP Interactive Online Consultation Service-Take Haodaifu APP Online Payment Service as an Example

Science.gov (United States)

Xiong, Dandan; Zhao, Lei

2017-10-01

Mobile medical industry is developing rapidly, but the relevant credit evaluation system is still in the exploratory stage. Haodaifu in the interactive online consulting services more representatives and has a credit evaluation system, but the system is not perfect. There are many problems in the system, such as credits indicators cannot better reflect the results of user’s evaluation, the lack of user qualification supervision, evaluation index system and assessment channels are not perfect. On the basis of drawing on the advantages of E-commerce evaluation system and combining with the characteristics of mobile medical itself, two suggestions are put forward: Improve the credit evaluation model (Generate physician static credit index, Change the doctor 's dynamic credit index algorithm, Update the dynamic credit index), Improve the basic mechanism of credit evaluation.

The influence of intuition and communication language in generating student conceptions

Science.gov (United States)

Handhika, J.; Cari, C.; Suparmi, A.; Sunarno, W.

2017-11-01

This research aims to describe the influence of intuition and communication language in generating student conceptions. The conception diagnostic test is used to reveal student conception. The diagnostic test results described and communication language profiled by giving instruction to students to make sentences using physics quantities. Sentences expressed by students are reduced and profiled potential effects. Obtained information that (1) Students generalize non-scientific experience (based on feeling) into the physics problem. This process caused misconception. Communication language can make the students difficult to understand the concept because of the difference meaning of communication and physics language.

Did Globalization Influence Credit Market Deregulation

OpenAIRE

Eppinger, Peter; Potrafke, Niklas

2015-01-01

We investigate whether globalization influenced credit market deregulation over the period 1970-2010. Globalization is measured by the KOF indices of globalization. Credit market deregulation is measured by the credit market freedom indicators of the Fraser Institute. The results from both cross-sectional and panel regressions using ordinary least squares indicate a positive correlation between globalization and credit market deregulation. We account for reverse causality by using predicted t...

Service quality in consumer's credit branch

OpenAIRE

Blechová, Věra

2008-01-01

The diploma thesis deals with consumer's credit grants of banking and non-banking corporations and comparison of their service quality. The first part of research is dedicated to consumer's knowledge of credit issues. Second describes main difficulties of consumer's credit grants of banking and non-banking corporations and proves their use of unfair manners. The final part of thesis propose improvements, which will boost consumer's protection on field of consumer's credits.

Conceptions of a Good College Student, Parent-Student Communication About College, First-Year Grades, and College Retention Among First- and Non-First-Generation College Students

OpenAIRE

Palbusa, Julienne Marie Alipio

2016-01-01

This study examined conceptions of a good college student, parent-student communication about college, academic achievement, college student retention, and college generation status among first-year college students. 344 undergraduates described the characteristics and skills of a good college student. In addition, they reported the frequency, perceived helpfulness, and quality (instrumental and emotional support) of parent-student communication about college. Student GPA and second year rete...

Streptomycin, Schatz v. Waksman, and the balance of credit for discovery.

Science.gov (United States)

Kingston, William

2004-07-01

A recent article in Nature, arguing that "the misallocation of credit is endemic in science," used Selman Waksman as an illustration, claiming that the true discoverer of streptomycin was one of his graduate students. The article received wide publicity and seriously damaged Waksman's great reputation. What actually happened was that the success of penicillin stimulated Merck to fund research by Waksman, a soil scientist, into the collection of actinomycetes that he had assembled over thirty years. He applied the systematic, uncreative testing techniques that had made the German pharmaceutical industry so successful to these, and streptomycin was discovered within a matter of months. Work in the Mayo Institute then showed that it was marvelously effective against tuberculosis, and Waksman received the Nobel Prize for it in 1952. The test that turned out to be the crucial one could have been carried out by any of several students, but the lucky one was Albert Schatz. He then sued the university for a share of the royalties payable by Merck and also petitioned the Nobel committee to include him in the award. Although he obtained a very substantial out-of-court settlement, this probably damaged his subsequent academic career, and he has never ceased to argue his case for recognition, of which the Nature article is a reflection. To claim that Waksman took credit properly due to Schatz is to fail to understand that once pharmaceutical research had become primarily a matter of large-scale, routine testing, little individual creativity was left in this work. Credit for any successful results must therefore be given to whoever is the originator or director of a particular program. Nature refused to publish evidence that this case could not be used as an example of misallocation of credit for discovery. This in itself illustrates that editors of scientific journals should be every bit as mindful of scientists' reputations as they are of scientific facts.

Evaluation of Achieving a College Education Plus: A Credit-Based Transition Program

Science.gov (United States)

Luna, Gaye; Fowler, Michael

2011-01-01

This ex post facto study evaluated Achieving a College Education (ACE) Plus program, a credit-based transition program between a high school district and a community college. Achieving a College Education Plus is an early outreach program. It is designed to aid at-risk students in graduating from high school and making a smooth transition to…

CONTRIBUTING FACTORS TOWARDS DIFFICULTIES IN GENERATING IDEAS AMONG TECHNICAL STUDENTS

OpenAIRE

Yee Mei Heong

2013-01-01

Idea is a thought or collection of thoughts that are important to decision making and problem solving.  The purpose of this research was to analysis the factors contributing to difficulty in generating ideas among technical students.  A total of 375 technical students from four technical universities in Malaysia were randomly selected as samples.  A set of questionnaires was developed and used as research instrument.  The findings indicated that a total of 319 (85.1%) technical students faced...

Preparing for Distance Learning: Designing An Online Student Orientation Course

Directory of Open Access Journals (Sweden)

Diane D. Chapman

2004-01-01

Full Text Available This paper describes the analysis undertaken to design a 1-credit-hour online orientation course for students new to online learning. An instructional design team, as a part of an advanced instructional design course, worked with a university-based client. The client identified specific problem areas encountered by novice students of online courses and the team designed a comprehensive program to meet those needs. Analysis of the data revealed surprising differences in expectations between instructors of online courses and their students of what an orientation to online learning should include. The team also conducted a task analysis to aid in further identifying the skills, knowledge and attitudes required by students for success in online courses. Findings indicated that there is a need for online learners to understand the time commitment required of an online course and possess or develop strong time management skills. Because of small sample size, results cannot be generalized beyond the respondents. The authors found a mismatch in the perception of instructor technical skills versus student technical skill. Based on their findings, the paper provides recommendations on the appropriate design, development and implementation of an orientation to online learning.

Black generation Y students' perceptions of national sport celebrity ...

African Journals Online (AJOL)

African Journal for Physical Activity and Health Sciences ... Black generation Y students' perceptions of national sport celebrity endorsers as role models ... at tertiary institutions constitute a particularly attractive target market to marketers given ...

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...

Assesment of Carbon Credits for Power Generation Systems at GSM Base Station Site

OpenAIRE

Ani, Vincent Anayochukwu; Ani, Emmanuel Onyeka

2016-01-01

Electricity production is often a source of CO2 emissions, for instance when fossil fuel is combusted in power plants. Therefore the root cause of pollution coming from telecommunication industry is the source of energy (diesel genset) the network operators used in running their Base station sites. Energy consumption of using diesel to power base station by telecom networks is a contributor to global greenhouse gas (GHG) emissions. This paper presents the comparative carbon credits of hybrid ...

The Effects of Teacher Efficacy, Teacher Certification Route, Content Hours in the Sciences, Field-Based Experiences and Class Size on Middle School Student Achievement

Science.gov (United States)

Salgado, Robina

No Child Left Behind Act (NCLB) was signed into law in 2002 with the idea that all students, no matter the circumstances can learn and that highly qualified teachers should be present in every classrooms (United Stated Department of Education, 2011). The mandates of NCLB also forced states to begin measuring the progress of science proficiency beginning in 2007. The study determined the effects of teacher efficacy, the type of certification route taken by individuals, the number of content hours taken in the sciences, field-based experience and class size on middle school student achievement as measured by the 8th grade STAAR in a region located in South Texas. This data provides knowledge into the effect different teacher training methods have on secondary school science teacher efficacy in Texas and how it impacts student achievement. Additionally, the results of the study determined if traditional and alternative certification programs are equally effective in properly preparing science teachers for the classroom. The study described was a survey design comparing nonequivalent groups. The study utilized the Science Teaching Efficacy Belief Instrument (STEBI). A 25-item efficacy scale made up of two subscales, Personal Science Teaching Efficacy Belief (PSTE) and Science Teaching Outcome Expectancy (STOE) (Bayraktar, 2011). Once the survey was completed a 3-Way ANOVA, MANOVA, and Multiple Linear Regression were performed in SPSS to calculate the results. The results from the study indicated no significant difference between route of certification on student achievement, but a large effect size was reported, 17% of the variances in student achievement can be accounted for by route of certification. A MANOVA was conducted to assess the differences between number of science content hours on a linear combination of personal science teacher efficacy, science teaching outcome expectancy and total science teacher efficacy as measured by the STEBI. No significant

Credit Cycle and Adverse Selection Effects in Consumer Credit Markets – Evidence from the HELOC Market

NARCIS (Netherlands)

Calem, P.; Cannon, M.; Nakamura, L.I.

2011-01-01

We empirically study how the underlying riskiness of the pool of home equity line of credit originations is affected over the credit cycle. Drawing from the largest existing database of U.S. home equity lines of credit, we use county-level aggregates of these loans to estimate panel regressions on

A hybrid Genetic Algorithm and Monte Carlo simulation approach to predict hourly energy consumption and generation by a cluster of Net Zero Energy Buildings

International Nuclear Information System (INIS)

Garshasbi, Samira; Kurnitski, Jarek; Mohammadi, Yousef

2016-01-01

Graphical abstract: The energy consumption and renewable generation in a cluster of NZEBs are modeled by a novel hybrid Genetic Algorithm and Monte Carlo simulation approach and used for the prediction of instantaneous and cumulative net energy balances and hourly amount of energy taken from and supplied to the central energy grid. - Highlights: • Hourly energy consumption and generation by a cluster of NZEBs was simulated. • Genetic Algorithm and Monte Carlo simulation approach were employed. • Dampening effect of energy used by a cluster of buildings was demonstrated. • Hourly amount of energy taken from and supplied to the grid was simulated. • Results showed that NZEB cluster was 63.5% grid dependant on annual bases. - Abstract: Employing a hybrid Genetic Algorithm (GA) and Monte Carlo (MC) simulation approach, energy consumption and renewable energy generation in a cluster of Net Zero Energy Buildings (NZEBs) was thoroughly investigated with hourly simulation. Moreover, the cumulative energy consumption and generation of the whole cluster and each individual building within the simulation space were accurately monitored and reported. The results indicate that the developed simulation algorithm is able to predict the total instantaneous and cumulative amount of energy taken from and supplied to the central energy grid over any time period. During the course of simulation, about 60–100% of total daily generated renewable energy was consumed by NZEBs and up to 40% of that was fed back into the central energy grid as surplus energy. The minimum grid dependency of the cluster was observed in June and July where 11.2% and 9.9% of the required electricity was supplied from the central energy grid, respectively. On the other hand, the NZEB cluster was strongly grid dependant in January and December by importing 70.7% and 76.1% of its required energy demand via the central energy grid, in the order given. Simulation results revealed that the cluster was 63

The Effects of Low Income Housing Tax Credit Developments on Neighborhoods.

Science.gov (United States)

Baum-Snow, Nathaniel; Marion, Justin

2009-06-01

This paper evaluates the impacts of new housing developments funded with the Low Income Housing Tax Credit (LIHTC), the largest federal project based housing program in the U.S., on the neighborhoods in which they are built. A discontinuity in the formula determining the magnitude of tax credits as a function of neighborhood characteristics generates pseudo-random assignment in the number of low income housing units built in similar sets of census tracts. Tracts where projects are awarded 30 percent higher tax credits receive approximately six more low income housing units on a base of seven units per tract. These additional new low income developments cause homeowner turnover to rise, raise property values in declining areas and reduce incomes in gentrifying areas in neighborhoods near the 30th percentile of the income distribution. LIHTC units significantly crowd out nearby new rental construction in gentrifying areas but do not displace new construction in stable or declining areas.

Pre-admission factors and utilization of tutoring services in health professions educational programs.

Science.gov (United States)

Olivares-Urueta, Mayra; Williamson, Jon W

2013-01-01

Pre-admission factors tend to serve as indicators of student success in health professions educational programs, but less is known about the effects that academic assistance programs have on student success. This study sought to determine whether specific pre-admission factors could help to identify students who may require academic support during their health professions education. This retrospective analysis aimed to identify differences in pre-admission variables between those students requiring tutoring and a matched sample of students who did not require tutoring. One-way ANOVA was used to assess differences for dependent variables-age, cumulative GPA (cGPA), science GPA (sGPA), verbal graduate record examination (GRE) score, quantitative GRE score, analytical GRE score and combined GRE score, community college hours, average credit hours per semester, and highest semester credit hour load-across three groups of students who received no tutoring (NT 0 hrs), some tutoring (ST tutoring (MT >8 hrs). Total GRE and average semester hours differentiated NT from ST from MT (ptutoring: quantitative GRE, sGPA, cGPA and average semester hours taken. The combination of lower GRE scores and lighter average semester course load were most predictive of the need for academic assistance as defined by hours of tutoring. While the value of the GRE in admissions processes is generally accepted, the average semester hour load in college can also provide important information regarding academic preparation and the need for tutoring services.

OPG's approach of crediting natural circulation in outage heat sinks

International Nuclear Information System (INIS)

Fung, K.K.; Mackinnon, J.C.

2001-01-01

A review of crediting natural circulation as a backup means of removing the reactor core decay heat during an outage in Ontario Power Generation's nuclear stations was completed in 2000. The objective was to define the configurations and conditions under which natural circulation can be confidently credited as an effective heat transport mechanism for use in shutdown heat sink management. The project was an interdisciplinary program, and involved analyses in the areas of heat transport system thermalhydaulics, fuel and fuel channel thermal and mechanical behaviour, radiation physics, and probabilistic risks. The assessment shows that it is economically acceptable to credit natural circulation as a backup means of removing the core decay heat whenever the no fuel failure criteria are met. The economic risks associated with such a potential use decrease with time after shutdown. The waiting times after shutdown when there would be various levels of risks of damaging the pressure tubes and fuel bundles were derived for use in planning maintenance activities so as to minimize the economic risks. (author)

Credit Risk Evaluation of Power Market Players with Random Forest

Science.gov (United States)

Umezawa, Yasushi; Mori, Hiroyuki

A new method is proposed for credit risk evaluation in a power market. The credit risk evaluation is to measure the bankruptcy risk of the company. The power system liberalization results in new environment that puts emphasis on the profit maximization and the risk minimization. There is a high probability that the electricity transaction causes a risk between companies. So, power market players are concerned with the risk minimization. As a management strategy, a risk index is requested to evaluate the worth of the business partner. This paper proposes a new method for evaluating the credit risk with Random Forest (RF) that makes ensemble learning for the decision tree. RF is one of efficient data mining technique in clustering data and extracting relationship between input and output data. In addition, the method of generating pseudo-measurements is proposed to improve the performance of RF. The proposed method is successfully applied to real financial data of energy utilities in the power market. A comparison is made between the proposed and the conventional methods.

24 CFR 206.37 - Credit standing.

Science.gov (United States)

2010-04-01

... CONVERSION MORTGAGE INSURANCE Eligibility; Endorsement Eligible Mortgagors § 206.37 Credit standing. Each mortgagor must have a general credit standing satisfactory to the Secretary. ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Credit standing. 206.37 Section 206...

Investigation of Health Conditions and Advice on Physical Exercise for College Students – Taking Hebei Province as an example

Directory of Open Access Journals (Sweden)

Guokun Wang

2014-05-01

Full Text Available As the colleges and universities are considered as the cradles for development of high-level talents, the physical fitness of college students is decisive to the future construction and development of our country. Meanwhile, the college physical education, as an important component in school education, undertakes the important responsibility of improving and enhancing the constitution and health level of college students. Taking Hebei Province as an example, this article investigates part of constitution data of college student, and makes vertical and horizontal analysis on situations of engagement in physical exercise for college students, by which it can be concluded that: Most of the students in college have had necessary physical exercise within teaching hours according to course arrangement, but some of them expect to simply take the credits and pass the exam; It is advised that the management intensity of constitution and health level for students shall be enhanced, and the sound long-effect mechanism of constitution monitoring shall also be established.

78 FR 25101 - Credit Ratings Roundtable

Science.gov (United States)

2013-04-29

... SECURITIES AND EXCHANGE COMMISSION [Release No. 34-69433; File No. 4-661] Credit Ratings... examine issues in connection with the possibility of developing a credit rating assignment system. The... FURTHER INFORMATION CONTACT: Scott Davey at (212) 336-0075, Office of Credit Ratings, Securities and...

Generation Y Health Professional Students ’ Preferred Teaching and Learning Approaches: A Systematic Review

Directory of Open Access Journals (Sweden)

Caroline Mary Hills

2017-01-01

Full Text Available Generation Y or Millennials are descriptors for those born between 1982 and 2000. This cohort has grown up in the digital age and is purported to have different learning preferences from previous generations. Students are important stakeholders in identifying their preferred teaching and learning approaches in health professional programs. This study aimed to identify, appraise, and synthesize the best available evidence regarding the teaching and learning preferences of Generation Y health professional students. The review considered any objectively measured or self-reported outcomes of teaching and learning reported from Generation Y health professional student perspectives. In accordance with a previously published Joanna Briggs Institute Protocol, a three-step search strategy was completed. Two research articles (nursing and dental hygiene students and three dissertations (nursing were critically appraised. All studies were cross-sectional descriptive studies. A range of pedagogical approaches was reported, including lecture, group work, and teaching clinical skills. Based on the Joanna Briggs Institute levels of evidence, reviewers deemed the evidence as Level 3. Some generational differences were reported, but these were inconsistent across the studies reviewed. There is, therefore, insufficient evidence to provide specific recommendations for the preferred educational approaches of health professional students and further research is warranted.

Parental Involvement in Middle School Predicting College Attendance for First-Generation Students

Science.gov (United States)

Bui, Khanh; Rush, Ryan A.

2016-01-01

Using data from the National Education Longitudinal Study, this report examined the relationship between parental involvement in eighth grade and college attendance by eight years after high school for students whose parents have no college education (i.e., first-generation students; n = 1,358) in comparison to students whose parents have some…

The Bias in Favor of Venture Capital Finance in U.S. Entrepreneurial Education: At the Expense of Trade Credit

Science.gov (United States)

Clement, Thomas; LeMire, Steven; Silvernagel, Craig

2015-01-01

The authors examine whether U.S. college-level entrepreneurship education demonstrates a bias favoring venture capital (VC) financing while marginalizing trade credit financing, and the resulting impact on entrepreneurship students. A sample of U.S. business textbooks and survey data from entrepreneurship students reveals a significant bias toward…

The hourly life cycle carbon footprint of electricity generation in Belgium, bringing a temporal resolution in life cycle assessment

International Nuclear Information System (INIS)

Messagie, Maarten; Mertens, Jan; Oliveira, Luis; Rangaraju, Surendraprabu; Sanfelix, Javier; Coosemans, Thierry; Van Mierlo, Joeri; Macharis, Cathy

2014-01-01

Highlights: • This paper brings a temporal resolution in LCA of electricity generation. • Dynamic life cycle assessment of electricity production in Belgium for 2011. • The overall average GWP per kW h is 0.184 kg CO 2 eq/kW h. • The carbon footprint of Belgian electricity ranges from 0.102 to 0.262 kg CO 2 eq/kW h. - Abstract: In the booming research on the environmental footprint of, for example, electrical vehicles, heat pumps and other (smart) electricity consuming appliances, there is a clear need to know the hourly CO 2 content of one kW h of electricity. Since the CO 2 footprint of electricity can vary every hour; the footprint of for example an electric vehicle is influenced by the time when the vehicle is charged. With the availability of the hourly CO 2 content of one kW h, a decision support tool is provided to fully exploit the advantages of a future smart grid. In this paper, the GWP (Global Warming Potential) per kW h for each hour of the year is calculated for Belgium using a Life Cycle Assessment (LCA) approach. This enables evaluating the influence of the electricity demand on the greenhouse gas emissions. Because of the LCA approach, the CO 2 equivalent content does not only reflect activities related to the production of the electricity within a power plant, but includes carbon emissions related to the building of the infrastructure and the fuel supply chain. The considered feedstocks are nuclear combustible, oil, coal, natural gas, biowaste, blast furnace gas, and wood. Furthermore, renewable electricity production technologies like photovoltaic cells, hydro installations and wind turbines are covered by the research. The production of the wind turbines and solar panels is more carbon intensive (expressed per generated kW h of electricity) than the production of other conventional power plants, due to the lower electricity output. The overall average GWP per kW h is 0.184 kg CO 2 eq/kW h. Throughout the 2011 this value ranges from a

Agricultural Credit Discount Fund – Agribusiness support credit line - Macedonian experience

OpenAIRE

Kovachev, Goran

2012-01-01

The main objective of this study is to emphasize the importance of creating special governmental refinancing institutions targeted towards strategic economic sectors. Such institution in Macedonia is Agricultural Credit Discount Fund, a separate unit within the Macedonian Bank for Development Promotion that administers a credit line meant to support the agribusiness. As it is commonly known agriculture is one of the most important economic sectors of the country. The ACDF's 'modus operandi' i...

A Mechanism for Anonymous Credit Card Systems

Science.gov (United States)

Tamura, Shinsuke; Yanase, Tatsuro

This paper proposes a mechanism for anonymous credit card systems, in which each credit card holder can conceal individual transactions from the credit card company, while enabling the credit card company to calculate the total expenditures of transactions of individual card holders during specified periods, and to identify card holders who executed dishonest transactions. Based on three existing mechanisms, i.e. anonymous authentication, blind signature and secure statistical data gathering, together with implicit transaction links proposed here, the proposed mechanism enables development of anonymous credit card systems without assuming any absolutely trustworthy entity like tamper resistant devices or organizations faithful both to the credit card company and card holders.

75 FR 64785 - Corporate Credit Unions

Science.gov (United States)

2010-10-20

... management (ALM) and credit risk, and whether to make modifications in the area of corporate governance. NCUA... the revisions, an analysis of how the final investment, credit risk, and asset liability provisions..., credit risk, ALM, liquidity, and capital measures that together should greatly reduce the systemic risk...

Can Learners Become Teachers? Evaluating the Merits of Student Generated Content and Peer Assessment

Directory of Open Access Journals (Sweden)

David E Murray

2017-04-01

Full Text Available Aim/Purpose: The aim of this project was to explore student perceptions of the value of both the creation of video content and exposure to other students’ work though peer assessment and inclusion of exemplars as unit material. Background: The research was in a first year information technology flipped-learning unit, where the assessment involved students developing video presentations that were peer assessed and exemplars incorporated into the unit as teaching material. Methodology: Data was gathered using a mixed methods approach using an online questionnaire followed by semi-structured interviews with a selection of questionnaire respondents. The interviews were designed to further explore issues identified from the analysis of the questionnaire data. Contribution: Informs on student perceptions of peer review and the integration of student generated content into University teaching. Findings: Most students enjoyed the video assessment (58% with many preferring it to a written or programming task (55-58%. In the subsequent peer assessment, many liked seeing the work of others (67% and found the approach engaging (63% yet some other perceptions were mixed or neutral. Recommendations for Practitioners: University IT students generally enjoyed and perceived peer assessment and found student generated content to be valuable. Recommendation for Researchers: Further investigation of peer review and student generated content in contexts where the student cohort represents a variety of cultures and age categories Impact on Society: Contributes to a body of knowledge regarding peer assessment and student generated educational materials. Future Research: Future work is needed to better understand this domain, in particular the role of learners’ individual differences in order to successfully integrate these approaches into modern learning environments.

12 CFR 706.2 - Unfair credit practices.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Unfair credit practices. 706.2 Section 706.2 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS CREDIT... attachment, execution, or other process on real or personal property held, owned by, or due to the consumer...

Trade credit: Elusive insurance of firm growth

NARCIS (Netherlands)

Bams, Dennis; Bos, Jaap; Pisa, Magdalena

2016-01-01

Firms depend heavily on trade credit. This paper introduces a trade credit network into a structural model of the economy. In an empirical analysis of the model, we find that trade credit is an elusive insurance: as long as a firm is financially unconstrained and times are good, more trade credit

Modeling Cycle Dependence in Credit Insurance

Directory of Open Access Journals (Sweden)

Anisa Caja

2014-03-01

Full Text Available Business and credit cycles have an impact on credit insurance, as they do on other businesses. Nevertheless, in credit insurance, the impact of the systemic risk is even more important and can lead to major losses during a crisis. Because of this, the insurer surveils and manages policies almost continuously. The management actions it takes limit the consequences of a downturning cycle. However, the traditional modeling of economic capital does not take into account this important feature of credit insurance. This paper proposes a model aiming to estimate future losses of a credit insurance portfolio, while taking into account the insurer’s management actions. The model considers the capacity of the credit insurer to take on less risk in the case of a cycle downturn, but also the inverse, in the case of a cycle upturn; so, losses are predicted with a more dynamic perspective. According to our results, the economic capital is over-estimated when not considering the management actions of the insurer.

On Campus and Online, Students Lose Weight for Credit

Science.gov (United States)

Lipka, Sara

2011-01-01

About a third of college students nationwide are overweight, and the proportion of obese students has increased, to 11.3% in 2009 from 8% in 2000, according to the American College Health Association. College students are still slimmer than other young adults, but campus officials worry about the upward trend. Many colleges feel it's their…

76 FR 24089 - Credit Risk Retention

Science.gov (United States)

2011-04-29

... 17 CFR Part 246 Department of Housing and Urban Development 24 CFR Part 267 Credit Risk Retention... 2501-AD53 Credit Risk Retention AGENCIES: Office of the Comptroller of the Currency, Treasury (OCC..., Commission, FHFA, and HUD (the Agencies) are proposing rules to implement the credit risk retention...

Do medical students generate sound arguments during small group discussions in problem-based learning?: an analysis of preclinical medical students' argumentation according to a framework of hypothetico-deductive reasoning.

Science.gov (United States)

Ju, Hyunjung; Choi, Ikseon; Yoon, Bo Young

2017-06-01

Hypothetico-deductive reasoning (HDR) is an essential learning activity and a learning outcome in problem-based learning (PBL). It is important for medical students to engage in the HDR process through argumentation during their small group discussions in PBL. This study aimed to analyze the quality of preclinical medical students' argumentation according to each phase of HDR in PBL. Participants were 15 first-year preclinical students divided into two small groups. A set of three 2-hour discussion sessions from each of the two groups during a 1-week-long PBL unit on the cardiovascular system was audio-recorded. The arguments constructed by the students were analyzed using a coding scheme, which included four types of argumentation (Type 0: incomplete, Type 1: claim only, Type 2: claim with data, and Type 3: claim with data and warrant). The mean frequency of each type of argumentation according to each HDR phase across the two small groups was calculated. During small group discussions, Type 1 arguments were generated most often (frequency=120.5, 43%), whereas the least common were Type 3 arguments (frequency=24.5, 8.7%) among the four types of arguments. The results of this study revealed that the students predominantly made claims without proper justifications; they often omitted data for supporting their claims or did not provide warrants to connect the claims and data. The findings suggest instructional interventions to enhance the quality of medical students' arguments in PBL, including promoting students' comprehension of the structure of argumentation for HDR processes and questioning.

Improving education under work-hour restrictions: comparing learning and teaching preferences of faculty, residents, and students.

Science.gov (United States)

Jack, Megan C; Kenkare, Sonya B; Saville, Benjamin R; Beidler, Stephanie K; Saba, Sam C; West, Alisha N; Hanemann, Michael S; van Aalst, John A

2010-01-01

Faced with work-hour restrictions, educators are mandated to improve the efficiency of resident and medical student education. Few studies have assessed learning styles in medicine; none have compared teaching and learning preferences. Validated tools exist to study these deficiencies. Kolb describes 4 learning styles: converging (practical), diverging (imaginative), assimilating (inductive), and accommodating (active). Grasha Teaching Styles are categorized into "clusters": 1 (teacher-centered, knowledge acquisition), 2 (teacher-centered, role modeling), 3 (student-centered, problem-solving), and 4 (student-centered, facilitative). Kolb's Learning Style Inventory (HayGroup, Philadelphia, Pennsylvania) and Grasha-Riechmann's TSS were administered to surgical faculty (n = 61), residents (n = 96), and medical students (n = 183) at a tertiary academic medical center, after informed consent was obtained (IRB # 06-0612). Statistical analysis was performed using χ(2) and Fisher exact tests. Surgical residents preferred active learning (p = 0.053), whereas faculty preferred reflective learning (p style more often than surgical faculty (p = 0.01). Medical students preferred converging learning (42%) and cluster 4 teaching (35%). Statistical significance was unchanged when corrected for gender, resident training level, and subspecialization. Significant differences exist between faculty and residents in both learning and teaching preferences; this finding suggests inefficiency in resident education, as previous research suggests that learning styles parallel teaching styles. Absence of a predominant teaching style in residents suggests these individuals are learning to be teachers. The adaptation of faculty teaching methods to account for variations in resident learning styles may promote a better learning environment and more efficient faculty-resident interaction. Additional, multi-institutional studies using these tools are needed to elucidate these findings fully

20 CFR 227.5 - Employer tax credits.

Science.gov (United States)

2010-04-01

... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Employer tax credits. 227.5 Section 227.5... SUPPLEMENTAL ANNUITIES § 227.5 Employer tax credits. Employers are entitled to tax credits if they pay non.... The tax credits for each month equal the sum of the reductions for employer pensions in the...

The Effect of College Students' Self-Generated Computerized Mind Mapping on Their Reading Achievement

Science.gov (United States)

Sabbah, Sabah Salman

2015-01-01

This study explored the potential effect of college students' self-generated computerized mind maps on their reading comprehension. It also investigated the subjects' attitudes toward generating computerized mind maps for reading comprehension. The study was conducted in response to the inability of the foundation-level students, who were learning…

Just Checking In: The Effect of an Office Hour Meeting and Learning Reflection in an Introductory Statistics Course

Science.gov (United States)

McGrath, April L.

2014-01-01

Office hours provide time outside of class for students to consult with instructors about course material, progress, and evaluation. Yet office hours, at times, remain an untapped source of academic support. The current study examined whether office hour attendance in combination with a learning reflection would help students learn material in an…

First-Generation College Students and Their Pursuit of the American Dream

Science.gov (United States)

Banks-Santilli, Linda

2014-01-01

First-generation college students, students whose parents have not earned a four-year degree, are not new to higher education, but their increasing presence at private, four-year institutions requires careful attention from administration and faculty. The rising costs of higher education combined with the nation's recent economic decline have made…

CME credit systems in three developing countries: China, India and Indonesia

Directory of Open Access Journals (Sweden)

Lewis A. Miller

2015-04-01

Full Text Available Introduction. Two of the largest countries in the world, still developing nations, China and Indonesia, have now created national credit systems for continuing medical education (CME. A third, India, has tried but succeeded only on a state-by-state basis. This study tracks the development of CME/continuing professional development (CPD credit systems in these three major Asian countries, analyses the related administrative backgrounds and points to strengths and weaknesses of each system in terms of serving the goals of CME/CPD in impacting medical care systems. Methods. The authors researched national- and state-level government records to identify legal and regulatory data affecting CME in China, India and Indonesia. Information on current and future activities was gained from media reports. Results. In all three countries, CME/CPD systems evaluate physician continuing competence by counting credits or credit hours. Central health authorities in China and Indonesia have established national systems applying to all health professionals. In Indonesia, CME/CPD is mandatory for re-licensure; in China, it is necessary for career advancement and re-registration. An effort to develop mandatory CME requirements in India, for physicians only, failed because the central agency underwent a major overhaul. Nevertheless, 9 of 28 states in India have developed systems, all tied to re-registration. Discussion. A comparison of systems in the three countries shows that little attention has been paid to physician performance improvement or improved patient health outcomes. Needs assessments and outcomes measures are not regularly carried out. We did not find any evidence of programmes to train administrators or faculty in CME/CPD principles, with the possible exception of Indonesia. Suggestions are offered to CME system leaders and providers to help their counterparts in developing nations.

76 FR 34010 - Credit Risk Retention

Science.gov (United States)

2011-06-10

... 2501-AD53 Credit Risk Retention AGENCIES: Office of the Comptroller of the Currency, Treasury (OCC... credit risk retention requirements of section 15G of the Securities Exchange Act of 1934, as added by the Dodd-Frank Wall Street Reform and Consumer Protection Act (``Credit Risk NPR'' or ``proposed rule...

48 CFR 1632.607 - Tax credit.

Science.gov (United States)

2010-10-01

... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Tax credit. 1632.607... 1632.607 Tax credit. FAR 32.607 has no practical application to FEHBP contracts. The statutory... may not offset debts to the Fund by a tax credit which is solely a Government obligation. ...

12 CFR 702.108 - Risk mitigation credit.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Risk mitigation credit. 702.108 Section 702.108... CORRECTIVE ACTION Net Worth Classification § 702.108 Risk mitigation credit. (a) Who may apply. A credit union may apply for a risk mitigation credit if on any of the current or three preceding effective dates...

11 CFR 100.55 - Extension of credit.

Science.gov (United States)

2010-01-01

... substantially similar to extensions of credit to nonpolitical debtors that are of similar risk and size of... 11 Federal Elections 1 2010-01-01 2010-01-01 false Extension of credit. 100.55 Section 100.55... Contribution (2 U.S.C. 431(8)) § 100.55 Extension of credit. The extension of credit by any person is a...

Survey of Foreign Language Course Registrations and Student Contact Hours in Institutions of Higher Education, Fall 1970 and Summer 1971. Final Report.

Science.gov (United States)

Brod, Richard I.

This study, the tenth in a series, presents college language registration and student contact hour data for all modern and classical language programs in the United States. The body of the report consists of 24 tables summarizing the data, and a directory of the 2,353 institutions that reported registrations in one or more foreign languages.…

Credit in Acceptance Sampling on Attributes

NARCIS (Netherlands)

Klaassen, Chris A.J.

2000-01-01

Credit is introduced in acceptance sampling on attributes and a Credit Based Acceptance sampling system is developed that is very easy to apply in practice.The credit of a producer is defined as the total number of items accepted since the last rejection.In our sampling system the sample size for a

48 CFR 2132.607 - Tax credit.

Science.gov (United States)

2010-10-01

... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Tax credit. 2132.607... Contract Debts 2132.607 Tax credit. FAR 32.607 has no practical application to FEGLI Program contracts. The... Government, contractors may not offset debts to the Fund by a tax credit that is solely a Government...

A Network Model of Credit Risk Contagion

Directory of Open Access Journals (Sweden)

Ting-Qiang Chen

2012-01-01

Full Text Available A network model of credit risk contagion is presented, in which the effect of behaviors of credit risk holders and the financial market regulators and the network structure are considered. By introducing the stochastic dominance theory, we discussed, respectively, the effect mechanisms of the degree of individual relationship, individual attitude to credit risk contagion, the individual ability to resist credit risk contagion, the monitoring strength of the financial market regulators, and the network structure on credit risk contagion. Then some derived and proofed propositions were verified through numerical simulations.

The retention of first-generation college students in STEM: An extension of Tinto's longitudinal model

Science.gov (United States)

Uche, Ada Rosemary

In the current technologically advanced global economy, the role of human capital and education cannot be over-emphasized. Since almost all great inventions in the world have a scientific or technological foundation, having a skilled workforce is imperative for any nation's economic growth. Currently, large segments of the United States' population are underrepresented in the attainment of science, technology, engineering, and math (STEM) degrees, and in the STEM professions. Scholars, educators, policy-makers, and employers are concerned about the decline in student enrollment and graduation from STEM disciplines. This trend is especially problematic for first-generation college students. This study uses both quantitative and qualitative methods to assess the factors that predict the retention of first-generation college students in the STEM majors. It employs Tinto's longitudinal model (1993) as a conceptual framework to predict STEM retention for first-generation college students. The analysis uses the Beginning Post-secondary Students study (BPS 04/09) data and Roots of STEM qualitative data to investigate the role of first-generation status in STEM major retention. Results indicate that upper levels of achievement in high school math have a significant effect on first-generation status in STEM outcomes.

12 CFR 226.12 - Special credit card provisions.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Special credit card provisions. 226.12 Section... SYSTEM TRUTH IN LENDING (REGULATION Z) Open-End Credit § 226.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including...

76 FR 54991 - Corporate Credit Unions

Science.gov (United States)

2011-09-06

... believes the credit risk of carrying this asset is negligible and warrants such treatment, as CLF stock is... credit union excludes the consolidated assets of such programs from risk-weighted assets pursuant to... paragraphs (c)(3) and (f)(4) and adding new p(h) to read as follows: Sec. 704.6 Credit risk management...

Mammography screening credit card and compliance.

Science.gov (United States)

Schapira, D V; Kumar, N B; Clark, R A; Yag, C

1992-07-15

Screening for breast cancer using mammography has been shown to be effective in reducing mortality from breast cancer. The authors attempted to determine if use of a wallet-size plastic screening "credit" card would increase participants' compliance for subsequent mammograms when compared with traditional methods of increasing compliance. Two hundred and twenty consecutive women, ages 40-70 years, undergoing their first screening mammography were recruited and assigned randomly to four groups receiving (1) a reminder plastic credit card (2) reminder credit card with written reminder; (3) appointment card; and (4) verbal recommendation. Return rates of the four groups were determined after 15 months. The return rate for subsequent mammograms was significantly higher for participants (72.4%) using the credit card than for participants (39.8%) exposed to traditional encouragement/reminders (P less than 0.0001). The credit card was designed to show the participant's screening anniversary, and the durability of the card may have been a factor in increasing the return rate. The use of reminder credit cards may increase compliance for periodic screening examinations for other cancers and other chronic diseases.

Generation and Validation of Spatial Distribution of Hourly Wind Speed Time-Series using Machine Learning

International Nuclear Information System (INIS)

Veronesi, F; Grassi, S

2016-01-01

Wind resource assessment is a key aspect of wind farm planning since it allows to estimate the long term electricity production. Moreover, wind speed time-series at high resolution are helpful to estimate the temporal changes of the electricity generation and indispensable to design stand-alone systems, which are affected by the mismatch of supply and demand. In this work, we present a new generalized statistical methodology to generate the spatial distribution of wind speed time-series, using Switzerland as a case study. This research is based upon a machine learning model and demonstrates that statistical wind resource assessment can successfully be used for estimating wind speed time-series. In fact, this method is able to obtain reliable wind speed estimates and propagate all the sources of uncertainty (from the measurements to the mapping process) in an efficient way, i.e. minimizing computational time and load. This allows not only an accurate estimation, but the creation of precise confidence intervals to map the stochasticity of the wind resource for a particular site. The validation shows that machine learning can minimize the bias of the wind speed hourly estimates. Moreover, for each mapped location this method delivers not only the mean wind speed, but also its confidence interval, which are crucial data for planners. (paper)

Generation and Validation of Spatial Distribution of Hourly Wind Speed Time-Series using Machine Learning

Science.gov (United States)

Veronesi, F.; Grassi, S.

2016-09-01

Wind resource assessment is a key aspect of wind farm planning since it allows to estimate the long term electricity production. Moreover, wind speed time-series at high resolution are helpful to estimate the temporal changes of the electricity generation and indispensable to design stand-alone systems, which are affected by the mismatch of supply and demand. In this work, we present a new generalized statistical methodology to generate the spatial distribution of wind speed time-series, using Switzerland as a case study. This research is based upon a machine learning model and demonstrates that statistical wind resource assessment can successfully be used for estimating wind speed time-series. In fact, this method is able to obtain reliable wind speed estimates and propagate all the sources of uncertainty (from the measurements to the mapping process) in an efficient way, i.e. minimizing computational time and load. This allows not only an accurate estimation, but the creation of precise confidence intervals to map the stochasticity of the wind resource for a particular site. The validation shows that machine learning can minimize the bias of the wind speed hourly estimates. Moreover, for each mapped location this method delivers not only the mean wind speed, but also its confidence interval, which are crucial data for planners.

Unseen disadvantage: how American universities' focus on independence undermines the academic performance of first-generation college students.

Science.gov (United States)

Stephens, Nicole M; Fryberg, Stephanie A; Markus, Hazel Rose; Johnson, Camille S; Covarrubias, Rebecca

2012-06-01

American universities increasingly admit first-generation college students whose parents do not have 4-year degrees. Once admitted, these students tend to struggle academically, compared with continuing-generation students--students who have at least 1 parent with a 4-year degree. We propose a cultural mismatch theory that identifies 1 important source of this social class achievement gap. Four studies test the hypothesis that first-generation students underperform because interdependent norms from their mostly working-class backgrounds constitute a mismatch with middle-class independent norms prevalent in universities. First, assessing university cultural norms, surveys of university administrators revealed that American universities focus primarily on norms of independence. Second, identifying the hypothesized cultural mismatch, a longitudinal survey revealed that universities' focus on independence does not match first-generation students' relatively interdependent motives for attending college and that this cultural mismatch is associated with lower grades. Finally, 2 experiments at both private and public universities created a match or mismatch for first-generation students and examined the performance consequences. Together these studies revealed that representing the university culture in terms of independence (i.e., paving one's own paths) rendered academic tasks difficult and, thereby, undermined first-generation students' performance. Conversely, representing the university culture in terms of interdependence (i.e., being part of a community) reduced this sense of difficulty and eliminated the performance gap without adverse consequences for continuing-generation students. These studies address the urgent need to recognize cultural obstacles that contribute to the social class achievement gap and to develop interventions to address them. 2012 APA, all rights reserved

Generation of global hourly radiation sequences using a Transition Markov matrix for Madrid. Generacion de secuencias horarias de radiacion global utilizando matrices de transicion de Markov, para la localidad de Madrid

Energy Technology Data Exchange (ETDEWEB)

Mora, Ll

1989-11-01

The aim of this work is the generation of sequences of hourly global radiation which have similar statistically characteristics of real sequences for the city of Madrid (Spain). For this generation, a first order Markov model has been proposed. The input parameters of simulation method are the following: The maximum value of hourly radiation and the average monthly value of the transparency normalized index. The maximum value of hourly radiation has been calculated as a function of the solar height by an empirical expression. The transparency normalized index has been defined as the ratio among the measured hourly global radiation to the maximum value for the corresponding solar height. The method is based on the following observations: -The transparency normalized index shows a significant correlation only for two consecutive hours. -The months with the same average transparency normalized indies have similar probability density function. Global solar radiation, time series, simulation, Markov transition matrix, solar energy.

Learning from peer feedback on student-generated multiple choice questions: Views of introductory physics students

Science.gov (United States)

Kay, Alison E.; Hardy, Judy; Galloway, Ross K.

2018-06-01

PeerWise is an online application where students are encouraged to generate a bank of multiple choice questions for their classmates to answer. After answering a question, students can provide feedback to the question author about the quality of the question and the question author can respond to this. Student use of, and attitudes to, this online community within PeerWise was investigated in two large first year undergraduate physics courses, across three academic years, to explore how students interact with the system and the extent to which they believe PeerWise to be useful to their learning. Most students recognized that there is value in engaging with PeerWise, and many students engaged deeply with the system, thinking critically about the quality of their submissions and reflecting on feedback provided to them. Students also valued the breadth of topics and level of difficulty offered by the questions, recognized the revision benefits afforded by the resource, and were often willing to contribute to the community by providing additional explanations and engaging in discussion.

27 CFR 46.223 - Tax credit.

Science.gov (United States)

2010-04-01

... 27 Alcohol, Tobacco Products and Firearms 2 2010-04-01 2010-04-01 false Tax credit. 46.223 Section... for Sale on April 1, 2009 Tax Liability Calculation § 46.223 Tax credit. The dealer is allowed a credit of up to $500 against the total floor stocks tax. However, controlled groups are eligible for only...

Indian Kisan Credit Card Scheme: An Analytical Study

Directory of Open Access Journals (Sweden)

Dharmendra Mehta

2016-03-01

Full Text Available Kisan Credit Card (KCC has now been regarded as the only medium of short-term credit for agriculture. The Kisan Credit Card (KCC scheme was introduced by the Finance Minister in his budget speech in the year 1998-99. From the year 1998-99, the scheme was implemented by public sector commercial banks, RRBs (Regional Rural Banks and cooperative banks in the country. It has emerged as an innovative credit distribution system to meet the production credit requirements of the farmers in a timely and easy manner. The present paper is aimed to study role of Kisan Credit Card in the rural credit facilitation in India.

Student satisfaction with a Website designed for three nursing courses.

Science.gov (United States)

Zwolski, K

2000-01-01

The website described was not designed to replace classroom teaching, but to serve as an additional tool for students attending a traditional course. Based on my experience and the data obtained from the evaluation questionnaire, the following points can be made: students are enthusiastic about the Internet and will access a web page that accompanies a particular course or courses a website can allow for objectives, not normally engendered by traditional methods, to be achieved. These may include, for instance, fostering a sense of community, providing new means of communication between professor and student and serving as a portal to the vast resources of the Internet. A single-theme website can effectively address the learning needs of students at different levels, in this case both undergraduate and graduate students A well-designed website can increase the visibility of the educational institution that sponsors it It is not easy to measure a website's effectiveness in helping students achieve traditional course objectives or its impact on student learning. The questionnaire results confirm students' satisfaction with the website and their belief that it was an important and useful learning tool. This is significant and positive. Future research is needed to measure the degree to which a website can increase learning in a particular area. The site required about 150 hours to construct and about 6-8 hours per week to maintain. This is a considerable amount of faculty time. Although I cannot speak for others, I firmly believe that this is a worthwhile investment. The website is clearly appreciated by students, and it seems logical to conclude that it is fulfilling some learning needs that may not be met by other methods. In addition, it provides the educator with a new vehicle for communication. It is exhilarating to create with new formats and to use expertise in a given area to reach students, foster community, and establish a presence beyond the classroom

THE COOPERATIVE CREDIT MUTUAL IN BRAZIL.

Directory of Open Access Journals (Sweden)

Laércio Baptista da Silva

2013-06-01

Full Text Available This study presents an analysis of the reality of credit unions in Brazil, in view of the singular importance of credit unions for the whole society as an alternative to private resources in favor of members of the community where they are located. It confirms that, in Brazil, the mutual credit unions, besides being presented as one of the viable options within the financial system, are also seen as an alternative by which some sectors of society promote the humanization of the financial system by offering credit and return on capital with fairer interest rates.

Solar tax credits: the U.S. experience

International Nuclear Information System (INIS)

Sallmen Smith, L.J.

1990-01-01

From 1978 to 1985, the U.S. Federal government used income tax credits to induce taxpayers to purchase residential solar energy devices. These credits resulted in a significant number of households installing solar devices during the credit period but subsequently devastated the solar industry. Numerous structural problems with the credits and the failure to address important issues in the legislation led to this result. (Author)

Information Sharing and Credit Rationing : Evidence from the Introduction of a Public Credit Registry

NARCIS (Netherlands)

Cheng, X.; Degryse, H.A.

2010-01-01

We provide the first evidence on how the introduction of information sharing via a public credit registry affects banks’ lending decisions. We employ a unique dataset containing detailed information on credit card applications and decisions from one of the leading banks in China. While we do not

How extreme is extreme hourly precipitation?

Science.gov (United States)

Papalexiou, Simon Michael; Dialynas, Yannis G.; Pappas, Christoforos

2016-04-01

The importance of accurate representation of precipitation at fine time scales (e.g., hourly), directly associated with flash flood events, is crucial in hydrological design and prediction. The upper part of a probability distribution, known as the distribution tail, determines the behavior of extreme events. In general, and loosely speaking, tails can be categorized in two families: the subexponential and the hyperexponential family, with the first generating more intense and more frequent extremes compared to the latter. In past studies, the focus has been mainly on daily precipitation, with the Gamma distribution being the most popular model. Here, we investigate the behaviour of tails of hourly precipitation by comparing the upper part of empirical distributions of thousands of records with three general types of tails corresponding to the Pareto, Lognormal, and Weibull distributions. Specifically, we use thousands of hourly rainfall records from all over the USA. The analysis indicates that heavier-tailed distributions describe better the observed hourly rainfall extremes in comparison to lighter tails. Traditional representations of the marginal distribution of hourly rainfall may significantly deviate from observed behaviours of extremes, with direct implications on hydroclimatic variables modelling and engineering design.

A Comparison of Graded Response and Rasch Partial Credit Models with Subjective Well-Being.

Science.gov (United States)

Baker, John G.; Rounds, James B.; Zevon, Michael A.

2000-01-01

Compared two multiple category item response theory models using a data set of 52 mood terms with 713 undergraduate psychology students. Comparative model fit for the Samejima (F. Samejima, 1966) logistic model for graded responses and the Masters (G. Masters, 1982) partial credit model favored the former model for this data set. (SLD)

49 CFR 536.8 - Conditions for trading of credits.

Science.gov (United States)

2010-10-01

... 49 Transportation 6 2010-10-01 2010-10-01 false Conditions for trading of credits. 536.8 Section... SAFETY ADMINISTRATION, DEPARTMENT OF TRANSPORTATION TRANSFER AND TRADING OF FUEL ECONOMY CREDITS § 536.8 Conditions for trading of credits. (a) Trading of credits. If a credit holder wishes to trade credits to...

17 CFR 256.255 - Accumulated deferred investment tax credits.

Science.gov (United States)

2010-04-01

... investment tax credits. 256.255 Section 256.255 Commodity and Securities Exchanges SECURITIES AND EXCHANGE... investment tax credits. (a) This account shall be credited and account 411.5, Investment tax credit, debited with investment tax credits deferred by companies which do not apply such credits as a reduction of the...

How do Student Clients of a University-based Food Bank Cope with Food Insecurity?

Science.gov (United States)

Farahbakhsh, Jasmine; Ball, Geoff D C; Farmer, Anna P; Maximova, Katerina; Hanbazaza, Mahitab; Willows, Noreen D

2015-12-01

To describe the food security status, food insecurity coping strategies, characteristics, and experiences of student clients of the Campus Food Bank (CFB) at the University of Alberta in Edmonton, Alberta, Canada. A convenience sample of 58 students completed a survey from April 2013 to April 2014. Food security status was determined using the "Adult Food Security Survey Module". Ninety percent of CFB student clients who participated in this study were food insecure, which included both moderately and severely food insecure groups. The most prevalent coping strategies for food insecurity included applying for a loan or bursary (86.2%), seeking employment or working more hours (84.5%), and purchasing food using a credit card (77.6%). Participants were a diverse mix of students, including graduate students (50.0%), international students (46.6%), and caregivers of children (24.1%). The most common primary sources of income were government student loans (29.3%) and research assistantships (20.7%). Most participants (82.8%) liked the food they received from the food bank. Food insecurity is highly prevalent among student clients of this university-based food bank. Students used a variety of coping strategies to increase their disposable income, highlighting the need for additional strategies to alleviate food insecurity among vulnerable students.

Credit scoring analysis using weighted k nearest neighbor

Science.gov (United States)

Mukid, M. A.; Widiharih, T.; Rusgiyono, A.; Prahutama, A.

2018-05-01

Credit scoring is a quatitative method to evaluate the credit risk of loan applications. Both statistical methods and artificial intelligence are often used by credit analysts to help them decide whether the applicants are worthy of credit. These methods aim to predict future behavior in terms of credit risk based on past experience of customers with similar characteristics. This paper reviews the weighted k nearest neighbor (WKNN) method for credit assessment by considering the use of some kernels. We use credit data from a private bank in Indonesia. The result shows that the Gaussian kernel and rectangular kernel have a better performance based on the value of percentage corrected classified whose value is 82.4% respectively.

Do Internet Credit Markets Improve Access to Credit for Female Business Owners?

OpenAIRE

Barasinska, Nataliya; Schäfer, Dorothea

2010-01-01

Business owners and founders are a minority of any bank's business clients. Scientific studies of traditional credit markets often show a lower probability of loan approval or higher loan costs for female business owners compared to male business owners. With this background the question arises whether female business owners have to struggle with this problem less on Internet credit markets. In this current study, DIW Berlin investigated business loans on the largest German Internet platform,...

HYPERCONNECTED YOUTH. COMMUNICATION AND VITUAL SOCIABILITY CASE STUDY ABOUT DISCONNECTION IN MEDIA FOR 24 HOURS IN SPANISH COLLEGE STUDENTS

Directory of Open Access Journals (Sweden)

María Dolores Cáceres Zapatero

2014-11-01

Full Text Available This collaboration presents the results of a study conducted with 190 college students who had a 24 hours media disconnection experience. The aim was to know the feelings experienced and how the situation affected their interpersonal and communication relationships. We wanted that students could learn, reflect and analyze their own communication habits in order to identify opportunities, challenges and risks; and also become aware of their dependence on media every day. The work tried to promote responsible use of the Internet and other media. Young people were invited to express, through a questionnaire, their feelings. Answers were coded and processed with SPSS software. The results show that hyperconnection is their way of relating and being in the world, that its absence causes discomfort and technologically mediated communication has replaced a major part of the face to face communication.

Factors Influencing Dental Students' Interest in Advanced Periodontal Education: Perspectives of Department Chairs.

Science.gov (United States)

Hearty, Luke; Demko, Catherine; Bissada, Nabil F; da Silva, Andre Paes B

2017-06-01

The number of graduates of U.S. dental schools enrolled in U.S. postdoctoral programs in periodontics has been decreasing. The aims of this study were to determine the perspectives of periodontics department chairs regarding 1) features of a school's predoctoral curriculum that promote student interest in advanced periodontal education and 2) characteristics of a periodontal residency program that make it more attractive to dental students over other specialty programs. In 2015, a 14-question survey was designed and sent to chairs of periodontics departments at all 65 U.S. dental schools at the time. Questions addressed number of instructional hours; specialty clinic rotations; elective courses; number of applicants to periodontal residency; existence of a residency program; length of the residency program; and externships, fellowships, and financial stipends offered. The survey response rate was 73.8%. The results showed that departments offering more than seven clinical credit hours in periodontics to predoctoral students had the greatest number of residency applicants. Most of the applicants were from institutions that offered specialty clinic rotations, elective courses, and residency programs in periodontics. The number of applicants did not change significantly if a stipend or fellowship was offered. However, the availability of an externship was significantly associated with a greater number of applicants (p=0.042). These results suggest that offering periodontal clinical rotations, elective courses, and especially externships in periodontics during predoctoral education may encourage more graduating students to pursue postdoctoral periodontal education.

Isotopic validation for PWR actinide-only burnup credit using Yankee Rowe data

International Nuclear Information System (INIS)

1997-11-01

Safety analyses of criticality control systems for transportation packages include an assumption that the spent nuclear fuel (SNF) loaded into the package is fresh or unirradiated. In other words, the spent fuel is assumed to have its original, as-manufactured U-235 isotopic content. The ''fresh fuel'' assumption is very conservative since the potential reactivity of the nuclear fuel is substantially reduced after being irradiated in the reactor core. The concept of taking credit for this reduction in nuclear fuel reactivity due to burnup of the fuel, instead of using the fresh fuel assumption in the criticality safety analysis, is referred to as ''Burnup Credit.'' Burnup credit uses the actual physical composition of the fuel and accounts for the net reduction of fissile material and the buildup of neutron absorbers in the fuel as it is irradiated. Neutron absorbers include actinides and other isotopes generated as a result of the fission process. Using only the change in actinide isotopes in the burnup credit criticality analysis is referred to as ''Actinide-Only Burnup Credit.'' The use of burnup credit in the design of criticality control systems enables more spent fuel to be placed in a package. Increased package capacity results in a reduced number of storage, shipping and disposal containers for a given number of SNF assemblies. Fewer shipments result in a lower risk of accidents associated with the handling and transportation of spent fuel, thus reducing both radiological and nonradiological risk to the public. This paper describes the modeling and the results of comparison between measured and calculated isotopic inventories for a selected number of samples taken from a Yankee Rowe spent fuel assembly

Financial Understanding: A Phenomenographic Access to Students’ Concepts of Credits

Directory of Open Access Journals (Sweden)

Sandra Speer

2013-07-01

Full Text Available Financial education has become a more popular part of general education in schools. Different social and economic backgrounds as well as experiences influence the students’ conceptualization of the same financial phenomenon. Therefore, phenomenography is an appropriate research strategy for investigating students’ deeper understanding of financial core concepts. Our research concentrates on ‘credit’ as a central phenomenon. Thirteen focus groups made up of secondary school students and university students in Germany discussed varying examples of taking out a loan. Systematizing students’ conceptualizations, the outcome space consists of four main categories: attitudes, needs, credit terms and calculation. On a deeper level we found further subcategories. The results of our explorative study can guide a chronology of teaching different concepts as well as further research.

Capacity credit of microgeneration and microgrids

Energy Technology Data Exchange (ETDEWEB)

Moises Costa, Paulo [Escola Superior Tecnologia e Gestao de Viseu, Instituto Politecnico Viseu, Viseu (Portugal); INESC Porto (Portugal); Matos, Manuel A. [INESC Porto, Faculdade de Engenharia, Universidade do Porto, Porto (Portugal)

2010-10-15

The recent development of the concept of microgrid ({mu}Grid), associated to the emergent interest in microgeneration ({mu}Gen), has raised a number of challenges regarding the evaluation of the technical, economical and regulatory impacts of a high penetration of this kind of solutions in the power systems. In this paper, the topic of security of supply is addressed, aiming at evaluating the influence of {mu}Gen and {mu}Grids in the medium- and long-term availability of generation to serve the forecasted load. A Monte-Carlo based methodology is used to evaluate this influence and to assess the capacity credit of those entities. (author)

Parenting Style and Generativity Measured in College Students and Their Parents

OpenAIRE

Denise D. Guastello; Stephen J. Guastello; Jeralee M. Briggs

2014-01-01

The logical consistency between generativity and the authoritative parenting style led to the hypothesis that the two behavior patterns or orientations were related. Survey measurements of perceived parenting style (authoritarian, authoritative, and permissive) and generativity in 559 university students and their respective parents were compared. The authoritative parenting style correlated positively with generativit...

Credit demand in Mozambican manufacturing

DEFF Research Database (Denmark)

Byiers, Bruce; Rand, John; Tarp, Finn

2010-01-01

This paper uses two industrial firm surveys to identify the key determinants of credit demand in Mozambican manufacturing. We construct five different measures of being credit constrained and estimate desired debt demand. Besides firm size and ownership structure, we find evidence that general...

A neural network model for credit risk evaluation.

Science.gov (United States)

Khashman, Adnan

2009-08-01

Credit scoring is one of the key analytical techniques in credit risk evaluation which has been an active research area in financial risk management. This paper presents a credit risk evaluation system that uses a neural network model based on the back propagation learning algorithm. We train and implement the neural network to decide whether to approve or reject a credit application, using seven learning schemes and real world credit applications from the Australian credit approval datasets. A comparison of the system performance under the different learning schemes is provided, furthermore, we compare the performance of two neural networks; with one and two hidden layers following the ideal learning scheme. Experimental results suggest that neural networks can be effectively used in automatic processing of credit applications.

Quantifying and analysing food waste generated by Indonesian undergraduate students

Science.gov (United States)

Mandasari, P.

2018-03-01

Despite the fact that environmental consequences derived from food waste have been widely known, studies on the amount of food waste and its influencing factors have relatively been paid little attention. Addressing this shortage, this paper aimed to quantify monthly avoidable food waste generated by Indonesian undergraduate students and analyse factors influencing the occurrence of avoidable food waste. Based on data from 106 undergraduate students, descriptive statistics and logistic regression were applied in this study. The results indicated that 4,987.5 g of food waste was generated in a month (equal to 59,850 g yearly); or 47.05 g per person monthly (equal to 564.62 g per person per a year). Meanwhile, eating out frequency and gender were found to be significant predictors of food waste occurrence.

The motivations, experiences, and aspirations of UK students on short-term international mobility programmes.

OpenAIRE

Seal, Alexander P.

2018-01-01

International student mobility had undergone considerable growth over the last thirty years (OECD, 2015). Students who travel to different countries to study can be seen as an important group of people who develop the internationalisation of higher education. One type of student mobility, credit mobility, has come to assume greater importance recently. The number of credit mobile students, that is students who undertake a period studying or working abroad during their degree, has increased (E...

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

Directory of Open Access Journals (Sweden)

Muhamad Abduh

2008-01-01

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

76 FR 16235 - Corporate Credit Unions, Technical Corrections

Science.gov (United States)

2011-03-23

... inadvertently included particular investments that did not--when subject to the other credit risk and asset... NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 707 RIN 3133-AD58 Corporate Credit Unions, Technical Corrections AGENCY: National Credit Union Administration (NCUA). ACTION: Final rule. SUMMARY: In...

Student-generated questions during chemistry lectures: Patterns, self-appraisals, and relations with motivational beliefs and achievement

Science.gov (United States)

Bergey, Bradley W.

Self-generated questions are a central mechanism for learning, yet students' questions are often infrequent during classroom instruction. As a result, little is known about the nature of student questioning during typical instructional contexts such as listening to a lecture, including the extent and nature of student-generated questions, how students evaluate their questions, and the relations among questions, motivations, and achievement. This study examined the questions undergraduate students (N = 103) generated during 8 lectures in an introductory chemistry course. Students recorded and appraised their question in daily question logs and reported lecture-specific self-efficacy beliefs. Self-efficacy, personal interest, goal orientations, and other motivational self-beliefs were measured before and after the unit. Primary analyses included testing path models, multiple regressions, and latent class analyses. Overall, results indicated that several characteristics of student questioning during lectures were significantly related to various motivations and achievement. Higher end-of-class self-efficacy was associated with fewer procedural questions and more questions that reflected smaller knowledge deficits. Lower exam scores were associated with questions reflecting broader knowledge deficits and students' appraisals that their questions had less value for others than for themselves. Individual goal orientations collectively and positively predicted question appraisals. The questions students generated and their relations with motivational variables and achievement are discussed in light of the learning task and academic context.

Closing the Social Class Achievement Gap for First-Generation Students in Undergraduate Biology

Science.gov (United States)

Harackiewicz, Judith M.; Canning, Elizabeth A.; Tibbetts, Yoi; Giffen, Cynthia J.; Blair, Seth S.; Rouse, Douglas I.; Hyde, Janet S.

2014-01-01

Many students start college intending to pursue a career in the biosciences, but too many abandon this goal because they struggle in introductory biology. Interventions have been developed to close achievement gaps for underrepresented minority students and women, but no prior research has attempted to close the gap for first-generation students,…

Acquired Credit Unions: Drivers of Takeover

Directory of Open Access Journals (Sweden)

R. Raymond Sant

2015-08-01

Full Text Available In this paper we study acquired credit unions and analyze their financial performance up to six years prior to merger, on a quarterly basis. The primary focus is on balance sheet (asset liability management and profitability variables (return on assets. We find that acquired credit unions during the period 2008 (third quarter to 2014 (first quarter experienced negative return on assets for several quarters prior to their takeover. This was the result of a declining loan portfolio and increasing charge offs. In spite of decreasing lending activity, such credit unions continued to increase their deposits, i.e., adding to their cost base. Due to declining loans, their net interest margin as a proportion of deposits was also in decline. We argue that this is an indicator of poor management ability. Furthermore, our analysis finds that operating expenses were increasing over time, something that has been documented in previous literature also for smaller credit unions and is attributable to lack of economies of scale. The average asset size of the acquired credit unions in our sample is about $22 million just before acquisition. We attribute our findings to poor business strategy followed by such credit unions. We also conclude that signs of trouble are evident up to two years before merger on average and regulatory policy may have to become more proactive to manage the consolidation challenge faced by the credit union industry in general.

Transitive Credit and JSON-LD

Directory of Open Access Journals (Sweden)

Daniel S. Katz

2015-11-01

Full Text Available Science and engineering research increasingly relies on activities that facilitate research but are not currently rewarded or recognized, such as: data sharing; developing common data resources, software and methodologies; and annotating data and publications. To promote and advance these activities, we must develop mechanisms for assigning credit, facilitate the appropriate attribution of research outcomes, devise incentives for activities that facilitate research, and allocate funds to maximize return on investment. In this article, we focus on addressing the issue of assigning credit for both direct and indirect contributions, specifically by using JSON-LD to implement a prototype transitive credit system.

12 CFR 614.4040 - Production credit associations.

Science.gov (United States)

2010-01-01

..., membership, term, amount, loan security, and stock or participation certificate requirements of the... Section 614.4040 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending Authorities § 614.4040 Production credit associations. (a) Loan terms. (1) Production...

Virtual Office Hours as Cyberinfrastructure: The Case Study of Instant Messaging

Science.gov (United States)

Balayeva, Jeren; Quan-Haase, Anabel

2009-01-01

Although out-of-class communication enhances students' learning experience, students' use of office hours has been limited. As the learning infrastructures of the social sciences and humanities have undergone a range of changes since the diffusion of digital networks, new opportunities emerge to increase out-of-class communication. Hence, it is…

Credit scoring analysis using kernel discriminant

Science.gov (United States)

Widiharih, T.; Mukid, M. A.; Mustafid

2018-05-01

Credit scoring model is an important tool for reducing the risk of wrong decisions when granting credit facilities to applicants. This paper investigate the performance of kernel discriminant model in assessing customer credit risk. Kernel discriminant analysis is a non- parametric method which means that it does not require any assumptions about the probability distribution of the input. The main ingredient is a kernel that allows an efficient computation of Fisher discriminant. We use several kernel such as normal, epanechnikov, biweight, and triweight. The models accuracy was compared each other using data from a financial institution in Indonesia. The results show that kernel discriminant can be an alternative method that can be used to determine who is eligible for a credit loan. In the data we use, it shows that a normal kernel is relevant to be selected for credit scoring using kernel discriminant model. Sensitivity and specificity reach to 0.5556 and 0.5488 respectively.

Generation Y and surgical residency - Passing the baton or the end of the world as we know it? Results from a survey among medical students in Germany.

Science.gov (United States)

Kleinert, Robert; Fuchs, Claudia; Romotzky, Vanessa; Knepper, Laura; Wasilewski, Marie-Luise; Schröder, Wolfgang; Bruns, Christiane; Woopen, Christiane; Leers, Jessica

2017-01-01

The current student generation have their own expectations toward professional life and pay particular attention to their work-life balance. Less interest in work-intensive specialties leads to a shortage of skilled candidates especially in surgery. In order to motivate students into a surgical residency, new priorities become important. A deeper understanding of the underlying arguments and students' expectations towards a surgical training are necessary to counteract a future shortage of specialized surgeons. We conducted an internet-based survey among medical students at two representative German university hospitals to gain more information about the underlying mechanisms that lead to opting for and against a surgical career. We particularly paid attention to gender differences and differences between students of different academic years. A total of 1098 students participated in the survey. Sixty-four percent were female. The majority of the students were of the opinion that surgery is an interesting and meaningful profession. In contrast, when it comes to their own career choice, most students (89% female and 81% male) are not willing to choose a surgical specialty. While students are certainly willing to spend a large amount of time on their professional lives, at the same time they demand planning reliability and a sufficient work-life balance. Flexibility in working hours and an existing childcare program were identified as predominant factors for all students and in particular for female students. The same applies to a respectful conversional tone and appreciation of the individual work. Factors like prestige and salary were less relevant than "self-fulfillment" in terms of respectful interaction and balancing their working and private lives. There was significant difference in female and male students as female students have clearer ideas concerning career planning but at the same time are less self-confident than their male colleagues. Moreover, there

Generation Y and surgical residency - Passing the baton or the end of the world as we know it? Results from a survey among medical students in Germany.

Directory of Open Access Journals (Sweden)

Robert Kleinert

Full Text Available The current student generation have their own expectations toward professional life and pay particular attention to their work-life balance. Less interest in work-intensive specialties leads to a shortage of skilled candidates especially in surgery. In order to motivate students into a surgical residency, new priorities become important. A deeper understanding of the underlying arguments and students' expectations towards a surgical training are necessary to counteract a future shortage of specialized surgeons.We conducted an internet-based survey among medical students at two representative German university hospitals to gain more information about the underlying mechanisms that lead to opting for and against a surgical career. We particularly paid attention to gender differences and differences between students of different academic years.A total of 1098 students participated in the survey. Sixty-four percent were female. The majority of the students were of the opinion that surgery is an interesting and meaningful profession. In contrast, when it comes to their own career choice, most students (89% female and 81% male are not willing to choose a surgical specialty. While students are certainly willing to spend a large amount of time on their professional lives, at the same time they demand planning reliability and a sufficient work-life balance. Flexibility in working hours and an existing childcare program were identified as predominant factors for all students and in particular for female students. The same applies to a respectful conversional tone and appreciation of the individual work. Factors like prestige and salary were less relevant than "self-fulfillment" in terms of respectful interaction and balancing their working and private lives. There was significant difference in female and male students as female students have clearer ideas concerning career planning but at the same time are less self-confident than their male colleagues

Improving large class performance and engagement through student-generated question banks.

Science.gov (United States)

Hancock, Dale; Hare, Nicole; Denny, Paul; Denyer, Gareth

2018-03-12

Disciplines such as Biochemistry and Molecular Biology, which involve concepts not included in the high-school curriculum, are very challenging for many first year university students. These subjects are particularly difficult for students accustomed to surface learning strategies involving memorization and recall of facts, as a deeper understanding of the relationship between concepts is needed for successful transfer to related areas and subsequent study. In this article, we explore an activity in a very large first year Molecular Biology course, in which students create multiple-choice questions related to targeted learning outcomes, and then answer and evaluate one another's questions. This activity encompasses elements of both self- and peer-assessment and the generative tasks of creating questions and producing written feedback may contribute to a deeper understanding of the material. We make use of a free online platform to facilitate all aspects of the process and analyze the effect of student engagement with the task on overall course performance. When compared to previous semester's cohorts, we observe a pronounced improvement in class performance on exam questions targeting similar concepts to the student-generated questions. In addition, those students that engage to a greater extent with the activity perform significantly better on the targeted exam questions than those who are less active, yet all students perform similarly on a set of isolated control questions appearing on the same exam. © 2018 by The International Union of Biochemistry and Molecular Biology, 2018. © 2018 The International Union of Biochemistry and Molecular Biology.

Gallery forest restoration by the attainment of carbon credit: a social-environmental proposal for low-income community

International Nuclear Information System (INIS)

Coelho, Maria Carolina Crisci

2007-01-01

Due to intensification in climate changes by anthropogenic causes, to the recognition of the environmental importance of the Gallery Forest and its intense degradation, this work presents an analysis of the possibilities of carbon credit attainment by low-income community, as part of an incentive program for the restoration of these areas. Two ways are demonstrated: projects of Clean Development Mechanism (CDM), in the scope of the Kyoto Protocol, that generate credits called certified emission reductions; and projects based on voluntary scheme, that generate voluntary emission reductions. Both are difficult to organize and implement. For example: the eligibility of an area, baseline study, monitoring, non-permanence risks of storage carbon, technical and operational structures, operational and business costs, regulated market in consolidation and guarantee of credit acquisition. Nevertheless, this second market presents greater flexibility and acceptance for the forest projects. The social-environmental benefits of these projects are significant and the valuation of their environmental services can revert in financial incentives for low-income community, since that adequately remunerated. The carbon credit can help in the implementation of these projects, contributing for local restoration of the areas and also for carbon capture by the atmosphere, which this is a global subject. (author)

Investigating Turkish Primary School Students' Interest in Science by Using Their Self-Generated Questions

Science.gov (United States)

Cakmakci, Gultekin; Sevindik, Hatice; Pektas, Meryem; Uysal, Asli; Kole, Fatma; Kavak, Gamze

2012-06-01

This paper reports on an attempt to investigate Turkish primary school students' interest in science by using their self-generated questions. We investigated students' interest in science by analyzing 1704 self-generated science-related questions. Among them, 826 questions were submitted to a popular science magazine called Science and Children. Such a self-selected sample may represent a group of students who have a higher level of motivation to seek sources of information outside their formal education and have more access to resources than the students of low social classes. To overcome this problem, 739 students were asked to write a question that they wanted to learn from a scientist and as a result 878 questions were gathered. Those students were selected from 13 different schools at 9 cities in Turkey. These schools were selected to represent a mixture of socioeconomic areas and also to cover different students' profile. Students' questions were classified into two main categories: the field of interest and the cognitive level of the question. The results point to the popularity of biology, astrophysics, nature of scientific inquiry, technology and physics over other science areas, as well as indicating a difference in interest according to gender, grade level and the setting in which the questions were asked. However, our study suggests that only considering questions submitted to informal learning environments, such as popular science magazines or Ask-A-Scientist Internet sites has limitations and deficiencies. Other methodologies of data collection also need to be considered in designing teaching and school science curriculum to meet students' needs and interest. The findings from our study tend to challenge existing thinking from other studies. Our results show that self-generated questions asked in an informal and a formal setting have different patterns. Some aspects of students' self-generated questions and their implications for policy, science

IMPLICATIONS OF CREDIT RISK TRANSFER ON BANK PERFORMANCES

Directory of Open Access Journals (Sweden)

Victoria COCIUG

2015-07-01

Full Text Available The impact of the financial crisis has demonstrated the fragility of the banking sector and the need to implement new technologies that would allow not only insurance against the most important credit risk - credit risk, but development of lending segment. In such conditions, transfer of credit risk is an efficient and actual way to diversify the banks exposure for credit risk by the presence of those who are willing to take on some of this risk. Taking of credit risk can be achieved through credit derivatives, securitization and sale of loans, being selected the most advantageous technique for the bank. The current situation of the national banking sector requires solving the problem of bad loans, which, unfortunately, are increasing, by implementing new techniques for credit risk management according with EU directives.

Measuring Credit Capacity on Danish Farms Using DEA

DEFF Research Database (Denmark)

Friis Pedersen, Michael; Vesterlund Olsen, Jakob

2013-01-01

have important implications for risk management practice, investment and technology adoption and related policy issues. The method is limited by the possibility of strategic behavior of lenders during credit cycle busts. In credit cycle booms, the method gives a good basis for the estimates of change...... in credit reserves. Practical implications: In a period of increasing credit reserves, risk management institutions are unlikely to develop. Like agricultural policy, access to credit may crowd out market-based risk management. Originality/value: The study represents a novel application and interpretation......Purpose:The purpose of this paper is to introduce a novel measure of access to credit suited to estimate the relative change in credit reserves. Design/methodology/approach: A debt possibility frontier is estimated using data envelopment analysis and the Malmquist index is calculated. The Malmquist...

Using QR codes for continuous assessment in higher education

Directory of Open Access Journals (Sweden)

Virginia Jiménez Rodríguez

2016-10-01

Full Text Available The implementation of information and communications technology (ICT in education has accelerated in recent years. At university level educational platforms that provide access to the contents of different subjects are used, as well as on-line communication between teachers and students. This project intended to improve teacher quality and motivation and satisfaction in 1st grade students, through the insertion of new ICT tools [forms Google and QR codes (quick response codes] that allow students the continuous assessment of their own learning, with particular emphasis on the application of metacognitive strategies for problem solving. It was conducted during the academic year 2014-2015 in the subject of Basic Psychology (practices. The subject Basic Psychology is taught in 1st Degree of Social Work at the Complutense University of Madrid. It consists of six ECTS (European Credit Transfer and Accumulation System credits and as such, students receive two hours of lecture and practical class one hour each week. It was during the weekly hour of practice which was carried out this innovation project.

STATE CREDIT RATING MARK: PRESENT DOMESTIC REALITIES

OpenAIRE

Kovalko, N. M.

2017-01-01

The article discusses the problematic aspects of credit ratings and ranking. The economic and legal aspects of ranking relations are addressed. It is concluded that a low credit standing of Ukraine is a sign of our country’s low debt sustainability.It is proved that both for Ukraine and for economically developed countries, the issue of credit ratings is quite important, and at times problematic. The issue is related to the development of the national and international financial credit resour...

Survey and Thought on Graduates’ Repayment Awareness of Student Loan in Agricultural Universities and Colleges

Institute of Scientific and Technical Information of China (English)

2011-01-01

To find out graduates’ repayment awareness of student loan,we conducted a questionnaire survey for those graduates who applied for student loan in Zhongkai University of Agriculture and Engineering.The survey has following results.First,the national student loan plays an important role in assisting poor students in finishing their study.Second,graduates value social function of personal credit.Third,trustworthiness education activities carried out by colleges and universities are effective.Fourth,economic income is a major factor of graduates repaying capital with interest.Fifth,bank’s student loan management system is not perfect.Sixth,the national student loan system remains to be improved.In line with these results,we put forward five countermeasures and suggestions:strengthen the trustworthiness education of students;standardize the credit investigation management of students’ personal credit;establish student information management mechanism;standardize banks’ payment reminder administration behavior;and perfect national student loan system.