WorldWideScience

Sample records for technology financial activities

  1. COMPANY ACTIVITY FINANCIAL RISK

    Directory of Open Access Journals (Sweden)

    Caruntu Genu Alexandru

    2012-12-01

    Full Text Available In economic and financial activity, risk is an inherent financial decisions, encountered in daily agenda of managers of companies. Unexpected changes in the price of a product development not only affect the financial results of a company, but can cause even bankruptcy. In fact, the nature of financial decisions involve uncertainty. Financial decisions are made based on cash flows under future contracts, which are par excellence incerte.Activitatea an enterprise that holds any weight in the industry is subject to risks, since it can not predict with certainty different components of its outcome (cost, quantity, price and operating cycle (purchase, processing, sales.

  2. Taxing Financial Activity

    OpenAIRE

    Jack M. Mintz

    2003-01-01

    In most countries, substantial business activity is related to financial intermediation: banking, trusts, investment companies and insurance. Financial businesses play a crucial role in the economy by matching lenders with borrowers as well as facilitating governance of businesses through close monitoring of funds lent to businesses. Financial institutions also reduce risk faced by investors by pooling investments over many different types of business activities and insuring against property,...

  3. Financial sector taxation: Financial activities tax or financial transaction tax?

    Directory of Open Access Journals (Sweden)

    Danuše Nerudová

    2011-01-01

    Full Text Available The recent financial crises has revealed the need to improve and ensure the stability of the financial sector to reduce negative externalities, to ensure fair and substantial contribution of the financial sector to the public finances and the need to consolidate public finance. All those needs represent substantial arguments for the discussion about the introduction of financial sector taxation. There are discussed in the paper two possible schemes of financial sector taxation – financial transaction tax and financial activities tax. The aim of the paper is to research the possibility of the introduction of financial sector taxation, to discuss the pros and cons of two major candidates on financial sector taxation – financial transaction tax and financial activities tax and to suggest the possible candidate suitable for the implementation on the EU level. Financial transaction tax represents the tool suitable mainly on global level, for only in that case enables generate sufficient financial resources. From EU point of view is considered as less suitable, for it bears the risk of reallocation. Therefore the introduction of financial activities tax on EU level is considered as a better solution for the financial sector taxation in the EU, for financial sector is exempted from value added tax. With respect to the fact, that the implementation would represent the innovative approach to the financial sector taxation, there are no empirical proves and therefore this could be the subject of further research.

  4. KNOWLEDGE, TECHNOLOGY ADOPTION AND FINANCIAL INNOVATION

    OpenAIRE

    Ana Fernandes

    2004-01-01

    Why are new financial instruments created? This paper proposes the view that financial development arises as a response to the contractual needs of emerging technologies. Exogenous technological progress generates a demand for new financial instruments in order to share risk or overcome private information, for example. A model of the dynamics of technology adoption and the evolution of financial instruments that support such adoption is presented. Early adoption may be required for financial...

  5. What Will Technology Do to Financial Structure?

    OpenAIRE

    Fredric S. Mishkin; Philip E. Strahan

    1999-01-01

    This paper looks at how advances in information and telecommunications technologies have been changing the structure of the financial system by lowering transaction costs and reducing asymmetric information. Households and smaller businesses can now raise funds in securities markets as financial institutions have become better at unbundling risks while financial products can be distributed more efficiently through electronic networks. These changes have reduced the role of traditional financi...

  6. Do Digital Technologies Facilitate Illicit Financial Flows?

    OpenAIRE

    Tropina, Tatiana

    2016-01-01

    The emerging concept of illicit financial flows has become a crosscutting issue on the international agenda in recent years. This umbrella term refers to money illegally earned, transferred, or used. With the development of digital technologies, the use of information and communications networks as a tool for facilitating illicit financial flows is rising as one of the key challenges in ta...

  7. Financial Technology: The Promise of Blockchain

    OpenAIRE

    Demary, Markus; Demary, Vera

    2017-01-01

    Digitization affects all sectors of the economy. A new and possibly disruptive digital technology is the blockchain, a decentralized ledger, which seems to offer great promise for many financial and business applications.

  8. Financial Technology: Blockchain - Down to Earth

    OpenAIRE

    Demary, Markus; Demary, Vera

    2017-01-01

    The blockchain technology offers the promise to be cheaper, faster, less error-prone and safer compared to traditional financial services. Whether a market for blockchain services will emerge, depends, however, on several criteria.

  9. Financial Technologies: A Note on Mobile Payment

    Directory of Open Access Journals (Sweden)

    Song Yee Leng

    2018-02-01

    Full Text Available The financial market is currently disrupted by the rise of new technologies "FinTech” a short form for financial technology, which profoundly reshapes the financial intermediary structure and makes financial services more efficient. Mobile technology with Internet-enabled devices are the next logical phase of the World Wide Web campaign such as mobile phone taking over the mass market and will fundamentally change the way products are buy and sell as well as financial services especially the mobile payment system. This research examines changes payment method in financial services, particularly those involving mobile payments that can create new channels for consumers to purchase goods and services using mobile phone. Mobile payment application is ready to replace traditional cash, checks, credit and debit card throughout the country. In this stage of development, the current situation of mobile payment market, review the previous literature on mobile payment services, analysis use of mobile payment worldwide and various initiatives use mobile phones to offer financial services for those ‘unbanked’.

  10. Financial Technologies: A Note on Mobile Payment

    Directory of Open Access Journals (Sweden)

    Song Yee Leng

    2018-02-01

    Full Text Available The financial market is currently disrupted by the rise of new technologies “FinTech” a short form of financial technology, which profoundly reshapes the financial intermediary structure and makes financial services more efficient. Mobile technology with Internet-enabled devices are the next logical phase of the World Wide Web a campaign such as mobile phone taking over the mass market and will fundamentally change the way products are bought and sold as well as financial services especially the mobile payment system. This research examines changes payment method in financial services, particularly those involving mobile payments that can create new channels for consumers to purchase goods and services using a mobile phone. Mobile payment application is ready to replace traditional cash, checks, credit and debit card throughout the country. In this stage of development, the current situation of mobile payment market, review the previous literature on mobile payment services, analysis use of mobile payment worldwide and various initiatives use mobile phones to offer financial services for those ‘unbanked’.

  11. National financial institutions and technological development

    Energy Technology Data Exchange (ETDEWEB)

    Ramesh, J

    1979-12-01

    The impact of technological policies on non-technological institutions is examined to see what some of the side effects are and how they can serve the needs of the local financial and productive sector. The interrelationships of the national financial systems with government departments, local infrastructure, local private sector, and international financing agencies are examined in the historical context of several development projects. The wrong emphasis is shown to be used by many technological planners, whose first consideration should be to build a loca planning and investment capability and to train local human resources to assume a decision-making role. The neglect seen in India, Brazil, and other countries is traced to the motivation of the industrial enterprises. A more-suitable technological policy could introduce the concepts of loan evaluation on the basis of technological criteria and fiscal incentives. 24 references, 1 figure, 4 tables. (DCK)

  12. FINANCIAL TECHNOLOGY (FINTECH) AND ITS IMPLEMENTATION ON THE ROMANIAN NON-BANKING CAPITAL MARKET

    OpenAIRE

    Ion MICU; Alexandra MICU

    2016-01-01

    This paper presents the particularities of the financial technology industry, how is FinTech defined and how can the financial technology solutions implemented by companies be categorised. Also it approaches FinTech’s appeal to the consumer and the effects, both disruptive and positive, that it had on the financial industry, as well as the growth this industry has seen in recent years. It will also analyse the implementation of FinTech solutions by the financial service providers active o...

  13. The development strategy of financial and innovative technologies

    OpenAIRE

    R.V. Lavrov

    2013-01-01

    The aim of the article. The aim of the article is to define and to estimate the forming of expediency of the development strategy of financial and innovative technologies in the context of modern economic space realities.The results of the analysis. The growing importance of the financial sector in the contemporary economic space, as well as rapid changes in it, generates a need for financial innovative technologies. Development strategy of financial and innovative technologies is always asso...

  14. New delivery technology for financial services and the changing role of financial intermediaries

    OpenAIRE

    Buhl, Hans Ulrich

    1998-01-01

    New delivery technology for financial services and the changing role of financial intermediaries / H. U. Buhl ; A. Will. - In: Business Information Systems ´98 / W. Abramowicz (ed.). - Poznan : Akad. Ekonomiczna w Poznaniu, 1998. - S. 203-215

  15. Financial Well-being in Active Ageing.

    Science.gov (United States)

    Rajola, Federico; Frigerio, Chiara; Parrichi, Monica

    2014-01-01

    In developed countries, economic and financial well-being is playing a crucial positive role in ageing and inclusion processes. Due to the complexity and pervasiveness of financial economy in the real life, more and more social as well as individual well-being are perceived as influenced by financial conditions. On the other hand, the demographic circumstances drive scholars as well as politicians to reflect on ageing dynamics. Bridging the two domains, the following research focuses on the role of the financial well-being as a mediating role of general well-being in elder people. The assumption is that elderly people have specific financial needs that sometimes are not covered by financial providers' offers. The motivation is mainly on the role of information asymmetries between elder consumers and financial institutions. On the dynamics of these asymmetries, the research will specifically investigate the role of financial literacy, as the ability of comprehension of elder people of their needs and of financial information. The applicative implication of this research work consists in finding the determinants of financial well-being for elders and the definition of their specific financial competencies, in order to 1) identify educational and regulatory guidelines for policy makers in charge of creating financial market transparency conditions, and to 2) support design of organizational mechanisms as well as financial product/services for this specific target of client. The following chapter presents preliminary explorative results of a survey delivered on 200 elder individuals (65-80 yrs.) leaving in Milan. Findings show that active elders consider the ability of managing personal wealth as one of the core determinant of well-being, although the economic and financial literacy is limited. Furthermore, the chapter proposes a research agenda for scholars interested in exploring the relationship between financial well-being and ageing.

  16. FINANCIAL MECHANIZM OF AGRICULTURAL ENTERPRISES’ ACTIVITY

    Directory of Open Access Journals (Sweden)

    Perkov Vladislav

    2018-03-01

    Full Text Available Introduction. The development of the economic system requires continuous improvement of the financial mechanism on the scale of the whole country and at the level of individual branches and economic entities. The process of globalization requires the development strategies of agrarian enterprises to have an innovative orientation, as well as to provide a highly competitive position in the markets. Production of competitive products is related to the need of reorganization of the production, organizational and personnel structure of enterprises, adapting it to all the changes that take place. The same problem applies to the financial policy of enterprises, the main instrument of which is the financial mechanism. Therefore, there is a need for its improvement and identification of the constituent elements. The purpose of the research is to substantiate the theoretical and methodological principles of the financial mechanism of agrarian enterprises’ activity aimed at increasing its efficiency and ensuring competitiveness. Results. The author investigated theoretical and methodological foundations of the formation and functioning of the financial mechanism of management, in particular, modern approaches to the definition of its constituent elements. The financial mechanism was determined to be a set of methods, levers and instruments based on the fundamental principles, they ensure the rational use of financial resources of the enterprise and influence its effective development. Nowadays, the problem of financial support for the development of agrarian enterprises at the expense of external sources lies not in the absence of financial resources in general, but in the access of each individual enterprise to them, as well as to the forms and methods of their distribution between sectors of the economy and economic entities. Based on the peculiarities of the financial mechanism of agrarian enterprises, it was revealed that their main problems are the

  17. Future financial liabilities of nuclear activities

    International Nuclear Information System (INIS)

    1996-01-01

    This report deals with future financial liabilities arising from nuclear activities, in particular electricity generation. Future financial liabilities are defined as costs which an organisation or company is expected to meet beyond some five years as a consequence of its current and past activities. The study provides a comprehensive picture on policies for recognizing and funding future financial liabilities arising from nuclear activities and their implementation schemes in Nea Member countries. Mechanisms for reporting and funding future financial liabilities are described, analysed and compared. The report offers some findings, conclusions and recommendations for consideration by Member countries. The nuclear activities considered in the report include nuclear research and development, nuclear industry sectors such as uranium mining and milling, conversion and enrichment, nuclear fuel fabrication, nuclear power plant operation and maintenance, and radioisotopes production. Future financial liabilities arising from these activities cover management and disposal of radioactive wastes, reprocessing of spent fuels when applicable and decommissioning of facilities at the end of their life time. 12 refs., 14 figs., 16 tabs

  18. Thermally activated technologies: Technology Roadmap

    Energy Technology Data Exchange (ETDEWEB)

    None, None

    2003-05-01

    The purpose of this Technology Roadmap is to outline a set of actions for government and industry to develop thermally activated technologies for converting America’s wasted heat resources into a reservoir of pollution-free energy for electric power, heating, cooling, refrigeration, and humidity control. Fuel flexibility is important. The actions also cover thermally activated technologies that use fossil fuels, biomass, and ultimately hydrogen, along with waste heat.

  19. 77 FR 22068 - Proposed Information Collection (Financial Status Report) Activity: Comment Request

    Science.gov (United States)

    2012-04-12

    ... (Financial Status Report) Activity: Comment Request AGENCY: Office of Management, Department of Veterans... techniques or the use of other forms of information technology. Title: Financial Status Report, VA Form 5655...: Claimants complete VA Form 5655 to report their financial status. VA uses the data collected to determine...

  20. Financial architecture and industrial technology: A co-evolutionary model

    NARCIS (Netherlands)

    Negriu, A.

    2013-01-01

    Empirical evidence points to a relation between the financial architecture of an economy and industrial technology: market-based financial systems support the development of industries where innovation is typically radical whereas incremental innovation thrives in association with bank-based

  1. Do Technological Developments and Financial Development Promote Economic Growth: Fresh Evidence from Romania

    OpenAIRE

    Ur Rehman, Ijaz; Shahbaz, Muhammad; Kyophilavong, Phouphet

    2013-01-01

    We study the relationship between financial development, technological development and economic growth in Romania. We construct aggregate indices of financial development and technological development using principal component analysis. The ARDL bounds testing approach shows the presence of cointegration between financial development, technological development and economic growth. Financial development and technological development contribute to economic growth. Moreover, financial developmen...

  2. Financial Development, the Choice of Technology, and Comparative Advantage

    OpenAIRE

    Gong, Binglin; Zhou, Haiwen

    2017-01-01

    In this general equilibrium model, banks and manufacturing firms engage in oligopolistic competition. A more advanced manufacturing technology has a higher fixed cost but a lower marginal cost of production. We show that manufacturing firms located in a country with a more efficient financial sector choose more advanced technologies and this country has a comparative advantage in the production of manufactured goods. Even though the foreign country has a less developed financial sector tha...

  3. Financial Incentives to Promote Active Travel

    Science.gov (United States)

    Martin, Adam; Suhrcke, Marc; Ogilvie, David

    2012-01-01

    Context Financial incentives, including taxes and subsidies, can be used to encourage behavior change. They are common in transport policy for tackling externalities associated with use of motor vehicles, and in public health for influencing alcohol consumption and smoking behaviors. Financial incentives also offer policymakers a compromise between “nudging,” which may be insufficient for changing habitual behavior, and regulations that restrict individual choice. Evidence acquisition The literature review identified studies published between January 1997 and January 2012 of financial incentives relating to any mode of travel in which the impact on active travel, physical activity, or obesity levels was reported. It encompassed macroenvironmental schemes, such as gasoline taxes, and microenvironmental schemes, such as employer-subsidized bicycles. Five relevant reviews and 20 primary studies (of which nine were not included in the reviews) were identified. Evidence synthesis The results show that more-robust evidence is required if policymakers are to maximize the health impact of fiscal policy relating to transport schemes of this kind. Conclusions Drawing on a literature review and insights from the SLOTH (sleep, leisure, occupation, transportation, and home-based activities) time-budget model, this paper argues that financial incentives may have a larger role in promoting walking and cycling than is acknowledged generally. PMID:23159264

  4. Usage of Internet Technology in Financial Education and Financial Inclusion by Students of Economics Universities

    OpenAIRE

    B. Frączek

    2016-01-01

    The paper analyses the usage of the Internet by university students in Visegrad Countries (4V Countries) who study economic fields in their formal and informal financial education and captures the areas of untapped potential of Internet in educational processes. Higher education and training, technological readiness, and the financial market development are in the group of pillars, that are key for efficiency driven economies. These three pillars have become an inspiration to the research on ...

  5. NEW TECHNOLOGIES AND INFRASTRUCTURES OF FINANCIAL SERVICES

    Directory of Open Access Journals (Sweden)

    Radu BORES

    2016-09-01

    Full Text Available This paper presents a view over recent developments in the underlying infrastructure of the financial system, more specifically electronic trading and how computers have taken over classic trading mechanisms. While some of the benefits are easy to agree upon, evidence shows that technical discrepancies have made the order book unequal fighting ground for traders. The findings of the paper suggests that in practice, high frequency trading is actually detrimental to order book health and degrades liquidity and overall quality of execution of regular trades.

  6. FINANCIAL TECHNOLOGY (FINTECH AND ITS IMPLEMENTATION ON THE ROMANIAN NON-BANKING CAPITAL MARKET

    Directory of Open Access Journals (Sweden)

    Ion MICU

    2016-07-01

    Full Text Available This paper presents the particularities of the financial technology industry, how is FinTech defined and how can the financial technology solutions implemented by companies be categorised. Also it approaches FinTech’s appeal to the consumer and the effects, both disruptive and positive, that it had on the financial industry, as well as the growth this industry has seen in recent years. It will also analyse the implementation of FinTech solutions by the financial service providers active on the Bucharest Stock Exchange (BVB, which were determined by the market institutions or by the regulatory framework set by Romanian Financial Supervisory Authority as well as solutions aimed to provide better services to their customers, in the form on online trading platforms.

  7. The Mechanism of Financial Stimulation of Investment Activity

    Directory of Open Access Journals (Sweden)

    Vasiliy Valeryevich Tarakanov

    2016-03-01

    Full Text Available Modernization of the Russian economy and creation of conditions for its economic growth demand activization of investment activity that is possible by means of its financial stimulation. Financial stimulation of investment activity defines the need of changes of the contents, the directions and ways of implementation of the financial relations between subjects of investment activity. Financial stimulation of investment activity is carried out via the mechanism in the context of which these financial relations are settled. For defining the mechanism of financial stimulation of investment activity the authors consider the very concept of financial mechanism. The conclusion is drawn that all elements of the financial mechanism are the integrated unity, they are interdependent and interconnected, and the combination of types, forms, methods of the organization of the financial relations forms “a design of the financial mechanism”. The article specifies the maintenance of the mechanism of financial stimulation of investment activity, and reveals its essence. The structure of the mechanism of financial stimulation of investment activity is presented by the following elements: subjects of financial stimulation of investment activity, the purpose of attraction of investments by them, set of financial methods and tools, sources of means of achievement of goals, standard - legal and information support of financial stimulation of investment activity. It is proved that in the mechanism of financial stimulation of investment activity the leading role is played by the state by means of forms of direct and indirect participation in attraction of investments, each of which is realized by means of specific methods and the corresponding tools. The widespread instrument of financial stimulation of investment activity is the investments which are carried out by the state institutes of development participating in the organization of the process of financial

  8. Financial effects of health information technology: a systematic review.

    Science.gov (United States)

    Low, Alexander F H; Phillips, Andrew B; Ancker, Jessica S; Patel, Ashwin R; Kern, Lisa M; Kaushal, Rainu

    2013-11-01

    Health information technology (HIT) is widely viewed as an important lever with which to improve the quality and efficiency of the healthcare system. However, there has long been debate about its financial effects. To characterize the existing data on the financial effects of HIT and to consider the implications for the effect of HIT on healthcare spending. Systematic literature review. We identified articles by (1) searching PubMed using the intersection of terms related to HIT applications and terms related to financial or economic effect; and (2) reviewing the reference lists of the included articles as well as additional policy articles and literature reviews. A total of 57 articles met our inclusion criteria, including 43 articles (75%) reporting financial benefits to a stakeholder associated with HIT. These included 26 articles (46%) reporting cost savings, 6 articles (11%) reporting revenue gains, and 11 articles (19%) reporting a mixture of cost savings and revenue gains. Among articles with experimental study designs, 22 of 34 (65%) reported financial benefits; and among articles explicitly measuring costs and benefits, 19 of 21 (90%) reported financial benefits. The most prevalent mechanisms were savings on administrative goods and/or personnel, savings on pharmaceuticals, and revenue gains through improved billing. Overall there is a dearth of articles on this topic, especially ones with strong study designs and financial analyses. HIT can have financial benefits, but more research is required, especially on HIT's effects under emerging delivery and payment reform efforts.

  9. The Broadening of Activities in the Financial System : Implications for Financial Stability and Regulation

    NARCIS (Netherlands)

    Wagner, W.B.

    2006-01-01

    Conglomeration and consolidation in the financial system broaden the activities financial institutions are undertaking and cause them to become more homogenous.Although resulting diversification gains make each institution appear less risky, we argue that financial stability may not improve as total

  10. Financial options methodology for analyzing investments in new technology

    Energy Technology Data Exchange (ETDEWEB)

    Wenning, B.D. [Texas Utilities Services, Inc., Dallas, TX (United States)

    1994-12-31

    The evaluation of investments in longer term research and development in emerging technologies, because of the nature of such subjects, must address inherent uncertainties. Most notably, future cash flow forecasts include substantial uncertainties. Conventional present value methodology, when applied to emerging technologies severely penalizes cash flow forecasts, and strategic investment opportunities are at risk of being neglected. Use of options valuation methodology adapted from the financial arena has been introduced as having applicability in such technology evaluations. Indeed, characteristics of superconducting magnetic energy storage technology suggest that it is a candidate for the use of options methodology when investment decisions are being contemplated.

  11. Financial options methodology for analyzing investments in new technology

    Science.gov (United States)

    Wenning, B. D.

    1995-01-01

    The evaluation of investments in longer term research and development in emerging technologies, because of the nature of such subjects, must address inherent uncertainties. Most notably, future cash flow forecasts include substantial uncertainties. Conventional present value methodology, when applied to emerging technologies severely penalizes cash flow forecasts, and strategic investment opportunities are at risk of being neglected. Use of options evaluation methodology adapted from the financial arena has been introduced as having applicability in such technology evaluations. Indeed, characteristics of superconducting magnetic energy storage technology suggest that it is a candidate for the use of options methodology when investment decisions are being contemplated.

  12. Financial options methodology for analyzing investments in new technology

    International Nuclear Information System (INIS)

    Wenning, B.D.

    1994-01-01

    The evaluation of investments in longer term research and development in emerging technologies, because of the nature of such subjects, must address inherent uncertainties. Most notably, future cash flow forecasts include substantial uncertainties. Conventional present value methodology, when applied to emerging technologies severely penalizes cash flow forecasts, and strategic investment opportunities are at risk of being neglected. Use of options valuation methodology adapted from the financial arena has been introduced as having applicability in such technology evaluations. Indeed, characteristics of superconducting magnetic energy storage technology suggest that it is a candidate for the use of options methodology when investment decisions are being contemplated

  13. 31 CFR 548.313 - Financial, material, or technological support.

    Science.gov (United States)

    2010-07-01

    ..., or technological support, as used in § 548.201(a)(2)(iv) of this part, means any property, tangible or intangible, including but not limited to currency, financial instruments, securities, or any other.... “Technologies” as used in this definition means specific information necessary for the development, production...

  14. 31 CFR 594.317 - Financial, material, or technological support.

    Science.gov (United States)

    2010-07-01

    ..., material, or technological support, as used in § 594.201(a)(4)(i) of this part, means any property, tangible or intangible, including but not limited to currency, financial instruments, securities, or any... transportation; or goods. “Technologies” as used in this definition means specific information necessary for the...

  15. Environmental and Financial Evaluation of Passenger Vehicle Technologies in Belgium

    OpenAIRE

    Messagie, Maarten; Lebeau, Kenneth; Coosemans, Thierry; Macharis, Cathy; Mierlo, Joeri van

    2013-01-01

    Vehicles with alternative drive trains are regarded as a promising substitute for conventional cars, considering the growing concern about oil depletion and the environmental impact of our transportation system. However, “clean” technologies will only be viable when they are cost-efficient. In this paper, the environmental impacts and the financial costs of different vehicle technologies are calculated for an average Belgian driver. Environmentally friendly vehicles are compared with conventi...

  16. An Empirical Investigation of Clicker Technology in Financial Accounting Principles

    Science.gov (United States)

    Marshall, Leisa L.; Varnon, Anthony W.

    2012-01-01

    The effects of clicker-use and active learning classroom activities on student performance in financial accounting principles were examined. A repeated measure design was used to compare performance on four exams between a clicker group and a non-clicker group, after controlling for GPA and age. A matched-pairs t-test was used to compare the…

  17. FINANCIAL DIAGNOSIS OF A COMPANY’S ACTIVITIES

    Directory of Open Access Journals (Sweden)

    SUCIU GHEORGHE

    2013-12-01

    Full Text Available Financial diagnosis consists of a number of instruments and methods which help to evaluate a company’s financial situation and performances. The financial diagnosis identifies the favourable and unfavourable factors which will affect the company’s future activity. The purpose of financial diagnosis is to draw a comparison with similar companies, in order to establish risk, profitability, and value parameters, by estimating the cost of capital (discount rate. The financial diagnosis helps to appreciate the past and present financial situation, and based on them to make projections for the future.

  18. Active ageing technologies

    DEFF Research Database (Denmark)

    Lassen, Aske Juul

    In the recent decade the concept of active aging has become important in the Western hemisphere. The World Health Organization and The European Union have staged active aging as a core policy area and initiated programs of physical activity, independence and prolonged working lives among...... the elderly. As part of this rearticulation of old age, many new technologies take form. This paper uses a wide concept of technologies (devices, regimes, strategies and ways of doing) and argues that technologies form active aging subjectivities, and on the other hand, that these subjectivities...... in their socio-material practices form active aging. Hence, active aging is a mutual entanglement (Callon and Rabeharisoa 2004) between technologies, practices and subjectivities. The paper is based on four months of participant observations and 17 in-depth interviews with elderly persons conducted at three...

  19. Active food packaging technologies.

    Science.gov (United States)

    Ozdemir, Murat; Floros, John D

    2004-01-01

    Active packaging technologies offer new opportunities for the food industry, in the preservation of foods. Important active packaging systems currently known to date, including oxygen scavengers, carbon dioxide emitters/absorbers, moisture absorbers, ethylene absorbers, ethanol emitters, flavor releasing/absorbing systems, time-temperature indicators, and antimicrobial containing films, are reviewed. The principle of operation of each active system is briefly explained. Recent technological advances in active packaging are discussed, and food related applications are presented. The effects of active packaging systems on food quality and safety are cited.

  20. Addressing the Role of Risk Management and Digital Finance Technology on Financial Inclusion

    OpenAIRE

    Boskov, Tatjana; Drakulevski, Ljubomir

    2017-01-01

    Financial inclusion focuses on population which is “unbanked” to get into the formal financial system. The new patterns of financial inclusion rely on digital technologies, and “fin-tech” continues to revolutionize the nature of provision. Very important fact is that 78% of access on financial services in developing countries involves mobile money. Financial digital technologies improve data transmission, analysis and give the small companies the opportunity to develop low-cost di...

  1. FINANCIAL INTERMEDIARIES’ ACTIVITY ON ROMANIAN CAPITAL MARKET

    Directory of Open Access Journals (Sweden)

    Dumitru-Cristian OANEA

    2014-11-01

    Full Text Available The financial shifts encountered in the last decade, increase the importance of capital markets in emerging countries, which is also Romania’s case. The banking system was for a long period of time the main source of liquidity for the economy. Meanwhile, the situation is changing due to the importance that capital market has in financing the economy. Through this paper we analyze the transactions’ evolution made by financial intermediaries on Romanian capital market, by highlighting the Societies for Financial Services and Investments (SSIF. Based on this evolution, we identified the main significant differences and similarities between the SSIFs existing on the market.

  2. MARKETING SUPPORT BUSINESS ACTIVITIES OF FINANCIAL INSTITUTIONS

    OpenAIRE

    Sharova, I.; Sharova, K.

    2015-01-01

    The article discusses the necessity and possibility of implementation of marketing tools to increase customer loyalty and satisfaction of the bank to improve the business performance of financial institutions

  3. Blockchain technology and its impact on financial and shipping services

    Directory of Open Access Journals (Sweden)

    Viktor Diordiiev

    2018-03-01

    Full Text Available Introduction. Blockchain technology is becoming one of the main drivers of innovation in the global economy. Its adoption will have a huge impact on how businesses and governments operate and on the way people organize their everyday lives. Financial services industry is the one experiencing the biggest impact of the blockchain disruption so far, while financial institutions are among the first adopters of the technology. At the same time, being a relatively traditional industry, shipping has not yet seen many use cases with blockchain, but the technology is able to change this industry dramatically. Aim and tasks. As the industries of finance and shipping have huge potential in the blockchain space and often interact, determining how the blockchain technology adoption can influence the industries of finance and shipping in the future was the main purpose of this article. Research results. To fulfill this purpose, it was important to describe the origins of the blockchain technology, its main characteristics, functioning principles and consensus algorithms. Supported by the recent hype, cryptocurrencies are the biggest use case for blockchain so far, therefore, the article analyzes the largest of them, including Bitcoin, Ethereum and some others, as well as the cryptocurrency market as a whole. The level of worldwide adoption of blockchain and the overall market size are defined further in the article. Various applications in finance are also mentioned, paying particular attention to the insurance industry. Based on this information, the key areas in which blockchain can disrupt finance and insurance are identified. As the number of blockchain companies increases rapidly, the two main fundraising channels for such companies, venture capital and initial coin offering, are analyzed and compared. The ways in which blockchain may impact the shipping services industry are identified further. Conclusion. Afterwards, the article describes a number of

  4. Financial Incentives to Promote Active Travel

    OpenAIRE

    Martin, Adam; Suhrcke, Marc; Ogilvie, David

    2012-01-01

    Context Financial incentives, including taxes and subsidies, can be used to encourage behavior change. They are common in transport policy for tackling externalities associated with use of motor vehicles, and in public health for influencing alcohol consumption and smoking behaviors. Financial incentives also offer policymakers a compromise between ?nudging,? which may be insufficient for changing habitual behavior, and regulations that restrict individual choice. Evidence acquisition The lit...

  5. Assessing the interaction effect of cost control systems and information technology integration on manufacturing plant financial performance

    OpenAIRE

    Maiga, Adam S; Nilsson, Anders; Jacobs, Fred

    2014-01-01

    The interface between management control and information technology is an under-developed research area with a knowledge gap concerning its implications for financial performance. This study contributes to bridging this gap by investigates the interaction effect of cost control systems and information technology integration on manufacturing plant financial performance. We surveyed a sample of 518 managers of U.S. manufacturing plants, approximately evenly distributed between those using activ...

  6. Integration of Modern Information Technologies in the Field of Financial Accounting

    Directory of Open Access Journals (Sweden)

    Adrian LUPASC

    2011-11-01

    Full Text Available Financial accounting activities are currently influenced as many other important areas that characterize and surrounds the activities within each economic entity, the avalanche of modern information technologies, which are able to improve specific business processes and to ensure future business success. Approach analysis of the impact of new technologies on this field should be so as a starting point to identify the opportunities and the benefits they would bring to specific activities. Information and communication technologies are in use both at the individual level and at the organizational level with the flexibility of the increasingly high, using a huge volume of information that financial accounting with direct impact on all human activities. Basically, it has already made the passage to a new stage:the global network society, whose main features are digitizing and interconnectivity. In this sense, this paper has as its main objective of examining the impact of modern information technologies may have on the financial accounting domain and the identification and submission directions for their integration within organizations.

  7. Activism of Institutional Investors, Corporate Governance Alerts and Financial Performance

    OpenAIRE

    Jean-Sebastien Lantz; Sophie Montandrau; Jean-Michel Sahut

    2014-01-01

    Institutional investors are predominant on the financial markets and are becoming more active in their portfolio management. This article attempts to enhance our understanding of the incidence of shareholder activism on market reaction in the wake of seve

  8. Cask technology program activities

    International Nuclear Information System (INIS)

    Allen, G.C. Jr.

    1986-01-01

    The civilian waste cask technology program consists of five major activities: (1) technical issue resolution directed toward NRC and DOT concerns, (2) system concept evaluations to determine the benefits of proposals made to DOE for transportation improvements, (3) applied technology and technical data tasks that provide independent information and enhance technology transfer between cask contractors, (4) standards development and code benchmarking that provide a service to DOE and cask contractors, and (5) testing to ensure the adequacy of cask designs. The program addresses broad issues that affect several cask development contractors and areas where independent technical input could enhance the Office of Civilian Radioactive Waste Management goals

  9. Cask technology program activities

    International Nuclear Information System (INIS)

    Allen, G.C. Jr.

    1986-01-01

    The civilian waste cask technology program consists of five major activities: Technical issue resolution directed toward NRC and DOT concerns; system concept evaluations to determine the benefits of proposals made to DOE for transportation improvements; applied technology and technical data tasks that provide independent information and enhance technology transfer between cask contractors; standards development and code benchmarking that provide a service to DOE and cask contractors; and testing to ensure the adequacy of cask designs. This paper addresses broad issues that affect several cask development contractors and areas where independent technical input could enhance OCRWM goals

  10. Newest technology in cadastral activities

    Directory of Open Access Journals (Sweden)

    В. А. Павлова

    2017-06-01

    Full Text Available The article provides comparative analysis of multiple innovative technology in the field of cadaster activities. This analysis covers almost all currently available intellectual developments in this area. Paying tribute to contemporary trends in cadastral areas, the authors note the urgent need to upgrade the cadastral activities in the Russian Federation in relation to the transformation of the national economy. The authors suggest classifying the cadastral activities depending on type and kind of activity carried out with an object of cadaster registry. The article covers the most urgent issues in the area of functionality of existing special software packages in order to improve the labour efficiency of a cadaster engineer. It is concluded that the main purpose of existing software systems for cadastral engineers is creation of documents in electronic format for facilitating the process of interaction with public authorities in the sphere of land property relations. It examines in detail several software packages («TechnoKad-Express», «ARGO», «PKZO», «Poligon», «ProGeo». The article provides comparative analysis of special software systems according to a number of authors’ criteria. Based on the characteristics of programs and their comparative analysis, it is concluded that all the described software systems to greater or lesser degree, meet the needs of the working cadastral engineer. The choice of a specific program depends on the financial possibilities, personal preferences and level of computer-literacy of cadastral engineer, including in the sphere of GIS-technologies.

  11. Financial appraisal of wet mesophilic AD technology as a renewable energy and waste management technology

    Energy Technology Data Exchange (ETDEWEB)

    Dolan, T. [School of Applied Sciences, Cranfield University, Cranfield, Bedfordshire, MK43 0AL (United Kingdom); Cook, M.B. [Design Group, Department of Design, Development, Environment and Materials, Open University, Walton Hall, Milton Keynes, Bucks (United Kingdom); Angus, A.J., E-mail: a.angus@cranfield.ac.uk [School of Applied Sciences, Cranfield University, Cranfield, Bedfordshire, MK43 0AL (United Kingdom)

    2011-06-01

    Anaerobic digestion (AD) has the potential to support diversion of organic waste from landfill and increase renewable energy production. However, diffusion of this technology has been uneven, with countries such as Germany and Sweden taking the lead, but limited diffusion in other countries such as the UK. In this context, this study explores the financial viability of AD in the UK to offer reasons why it has not been more widely used. This paper presents a model that calculates the Internal Rate of Return (IRR) on a twenty year investment in a 30,000 tonnes per annum wet mesophilic AD plant in the UK for the treatment of source separated organic waste, which is judged to be a suitable technology for the UK climate. The model evaluates the financial significance of the different alternative energy outputs from this AD plant and the resulting economic subsidies paid for renewable energy. Results show that renewable electricity and renewable heat sales supported by renewable electricity and renewable heat tariffs generates the greatest IRR (31.26%). All other uses of biogas generate an IRR in excess of 15%, and are judged to be a financially viable investment. Sensitivity analysis highlights the financial significance of: economic incentive payments and a waste management gate fee; and demonstrates that the fate of the digestate by-product is a source of financial uncertainty for AD investors. - Research highlights: {yields} Diffusion of AD technology is less rapid in the UK than other EU countries. {yields} UK AD is financially viable if the energy output is supported by government subsidy. {yields} Sensitivity analysis highlights the financial need for a waste management gate fee. {yields} Digestate by-product creates a significant financial uncertainty for AD investors.

  12. Financial appraisal of wet mesophilic AD technology as a renewable energy and waste management technology

    International Nuclear Information System (INIS)

    Dolan, T.; Cook, M.B.; Angus, A.J.

    2011-01-01

    Anaerobic digestion (AD) has the potential to support diversion of organic waste from landfill and increase renewable energy production. However, diffusion of this technology has been uneven, with countries such as Germany and Sweden taking the lead, but limited diffusion in other countries such as the UK. In this context, this study explores the financial viability of AD in the UK to offer reasons why it has not been more widely used. This paper presents a model that calculates the Internal Rate of Return (IRR) on a twenty year investment in a 30,000 tonnes per annum wet mesophilic AD plant in the UK for the treatment of source separated organic waste, which is judged to be a suitable technology for the UK climate. The model evaluates the financial significance of the different alternative energy outputs from this AD plant and the resulting economic subsidies paid for renewable energy. Results show that renewable electricity and renewable heat sales supported by renewable electricity and renewable heat tariffs generates the greatest IRR (31.26%). All other uses of biogas generate an IRR in excess of 15%, and are judged to be a financially viable investment. Sensitivity analysis highlights the financial significance of: economic incentive payments and a waste management gate fee; and demonstrates that the fate of the digestate by-product is a source of financial uncertainty for AD investors. - Research highlights: → Diffusion of AD technology is less rapid in the UK than other EU countries. → UK AD is financially viable if the energy output is supported by government subsidy. → Sensitivity analysis highlights the financial need for a waste management gate fee. → Digestate by-product creates a significant financial uncertainty for AD investors.

  13. Organizational provision of management of bank financial and economic activities

    Directory of Open Access Journals (Sweden)

    O.V. Lysenok

    2018-04-01

    Full Text Available The article deals with the organizational support of the process of management of financial and economic activities of banking institutions. In particular, the activity of one of the main divisions of the Treasury Bank, which is created and acts as an independent unit, justifies the decision to make certain financial transactions on the relevant financial markets and manages cash flows through interaction with branches, departments and offices of the banking institution. The article also focuses on the problem of the lack of accurate and up-to-date information between the structural units that take part in the management of the finances of the banking institution. In connection with this, it is necessary to create an information and management field of the bank, which is a collection of organized information input and output flows on the financial and economic activities of the bank, forming a unified management information about the financial activities of the banking institution. The article also focuses on the concept of the creation of an informational and managerial tree, according to which, in the structure of management of financial and economic activity of a banking institution, it is necessary to allocate five levels, based on which the principle of obligatory passage of necessary information at all levels with a gradual systematization and generalization. The concept considered in the article gives an idea of the logic and methodology of creating the process of forming general managerial decisions regarding the financial and economic activity of the bank in the future.

  14. Financial appraisal of wet mesophilic AD technology as a renewable energy and waste management technology.

    Science.gov (United States)

    Dolan, T; Cook, M B; Angus, A J

    2011-06-01

    Anaerobic digestion (AD) has the potential to support diversion of organic waste from landfill and increase renewable energy production. However, diffusion of this technology has been uneven, with countries such as Germany and Sweden taking the lead, but limited diffusion in other countries such as the UK. In this context, this study explores the financial viability of AD in the UK to offer reasons why it has not been more widely used. This paper presents a model that calculates the Internal Rate of Return (IRR) on a twenty year investment in a 30,000 tonnes per annum wet mesophilic AD plant in the UK for the treatment of source separated organic waste, which is judged to be a suitable technology for the UK climate. The model evaluates the financial significance of the different alternative energy outputs from this AD plant and the resulting economic subsidies paid for renewable energy. Results show that renewable electricity and renewable heat sales supported by renewable electricity and renewable heat tariffs generates the greatest IRR (31.26%). All other uses of biogas generate an IRR in excess of 15%, and are judged to be a financially viable investment. Sensitivity analysis highlights the financial significance of: economic incentive payments and a waste management gate fee; and demonstrates that the fate of the digestate by-product is a source of financial uncertainty for AD investors. Copyright © 2011 Elsevier B.V. All rights reserved.

  15. Reserve growth during financial volatility in a technologically challenging world

    Science.gov (United States)

    Klett, Timothy R.; Gautier, Donald L.

    2010-01-01

    Reserve growth (growth-to-known) is the addition of oil and gas quantities to reported proved or proved-plus-probable reserves in discovered fields. The amount of reserve growth fluctuates through time with prevailing economic and technological conditions. Most reserve additions are the result of investment in field operations and in development technology. These investments can be justified by higher prices of oil and gas, the desire to maintain cash flow, and by greater recovery efficiency in well established fields. The price/cost ratio affects decisions for field abandonment and (or) implementation of improved recovery methods. Although small- to medium-size fields might show higher percentages of reserve growth, a relatively few giant fields contribute most volumetric reserve growth, indicating that companies may prefer to invest in existing fields with low geologic and production risk and an established infrastructure in order to increase their price/cost relationship. Whereas many previous estimates of reserve growth were based on past trends of reported reserves, future reserve growth is expected to be greatly affected by financial volatility and fluctuating economic and technological conditions.

  16. Environmental and Financial Evaluation of Passenger Vehicle Technologies in Belgium

    Directory of Open Access Journals (Sweden)

    Maarten Messagie

    2013-11-01

    Full Text Available Vehicles with alternative drive trains are regarded as a promising substitute for conventional cars, considering the growing concern about oil depletion and the environmental impact of our transportation system. However, “clean” technologies will only be viable when they are cost-efficient. In this paper, the environmental impacts and the financial costs of different vehicle technologies are calculated for an average Belgian driver. Environmentally friendly vehicles are compared with conventional petrol and diesel vehicles. The assessments are done from a life cycle perspective. The effect on human health, resources and ecosystems is considered when calculating the environmental impact. The total cost of ownership (TCO model includes the purchase price, registration and road taxes, insurance, fuel or electricity cost, maintenance, tires replacement, technical control, battery leasing and battery replacement. In the presented analysis different vehicle technologies and fuels are compared (petrol, diesel, hybrid electric vehicles (HEVs, battery electric vehicles (BEVs and plug-in hybrid electric vehicles (PHEVs on their level of environmental impact and cost per kilometer. The analysis shows a lower environmental impact for electric vehicles. However, electric vehicles have a higher total cost of ownership compared to conventional vehicles, even though the fuel operating costs are significantly lower. The purchase cost of electric vehicles is highly linked to the size of the battery pack, and not to the size of the electric vehicle. This explains the relative high cost for the electric city cars and the comparable cost for the medium and premium cars.

  17. Specific classification of financial analysis of enterprise activity

    Directory of Open Access Journals (Sweden)

    Synkevych Nadiia I.

    2014-01-01

    Full Text Available Despite the fact that one can find a big variety of classifications of types of financial analysis of enterprise activity, which differ with their approach to classification and a number of classification features and their content, in modern scientific literature, their complex comparison and analysis of existing classification have not been done. This explains urgency of this study. The article studies classification of types of financial analysis of scientists and presents own approach to this problem. By the results of analysis the article improves and builds up a specific classification of financial analysis of enterprise activity and offers classification by the following features: objects, subjects, goals of study, automation level, time period of the analytical base, scope of study, organisation system, classification features of the subject, spatial belonging, sufficiency, information sources, periodicity, criterial base, method of data selection for analysis and time direction. All types of financial analysis significantly differ with their inherent properties and parameters depending on the goals of financial analysis. The developed specific classification provides subjects of financial analysis of enterprise activity with a possibility to identify a specific type of financial analysis, which would correctly meet the set goals.

  18. Nexus between Information and Communication Technology, Financial Intermediation, and Household Investment: A Review

    Directory of Open Access Journals (Sweden)

    Richard M. Kiai

    2017-06-01

    Full Text Available Financial inclusion has been recognized as a poverty reduction tool, and many economies have taken it up as a national agenda. To achieve the expected levels of financial inclusion, governments have worked with financial intermediaries to reach the expected target group, the unbanked poor. As per the financial intermediation theory, the role of financial intermediaries is to minimize the information asymmetry in the financial system. To enhance financial inclusion, many countries and financial institutions have embraced information and communication technology (ICT. ICT has been recognized as a tool that has worked greatly toward enhancing sharing of information at a low cost and that has thus helped in improving financial inclusion. Though many countries have achieved high levels of financial inclusion through ICT, the levels of poverty have not declined. It was thus important to establish the relationship between ICT, financial intermediation, and household investment. This study methodology was a review of the literature on financial inclusion, financial intermediation, ICT, and household investment. From this study, it was noted that ICT is helping in financial intermediation and thus more people can access financial services. Unfortunately, the levels of ICT capability among the poor are low, and in that case, the poor are not able to utilize financial services offered through ICT platforms to undertake household investment. This is the reason as to why, despite the high levels of financial inclusion, the poor still remain poor. This study recommends that the government should ensure that the levels of ICT among the populace are high. Financial institutions on the other hand should provide financial services with more user-friendly platforms.

  19. Investing for upgrading: the emergence of financial system of science and technology in China’s Pearl River Delta

    OpenAIRE

    XIAODONG WANG; CHRISTOF MORSCHER

    2016-01-01

    This article discusses the recent reform policy in China on setting up new financial system for supporting science and technology innovation. Based on the financial sector development in the Pearl River Delta in China’s Guangdong Province, especially Guangzhou, one pilot city of Chinese Science and Technology Financial System Reform, the article analyses the problems in financial system and makes some suggestion on how to restructure the financial system to meet the financial need of local em...

  20. ESSENCE AND VALUE OF FINANCIAL RESULTS OF COMMERCIAL BANK ACTIVITY

    Directory of Open Access Journals (Sweden)

    Kushnarova Anna

    2018-01-01

    Full Text Available Introduction. Financial results of the banking institution activity are one of the most important indicators of its functioning. They characterize the stability and reliability of a commercial bank, which is necessary to create reserve funds, to encourage staff and offer guidance to develop and improve operations on the market, reduce costs and improve the quality of services provided. Purpose. The purpose of the study is to determine the composition and significance of financial results for the functioning of the banking institution in the existing competitive environment. Results. The article considers the concept of financial results of a commercial bank as an important element of its activity for achieving competitive advantages in the banking services market. The composition and structure of financial results, factors of possible impact on them are determined. The source of the mapping and recording of the results of the activity is indicated. Attention is paid to the significance of profit as a positive financial result of a commercial bank activity and the priority directions of its distribution are formed. The importance of the relative indicator of the effective activity of a commercial bank as one of the elements of the formation of financial results is substantiated. Conclusions. Thus, in today’s market conditions, one can talk about the expediency of determining the composition of financial results and their significance to ensure the main directions of the functioning of a commercial bank. First of all, in order to increase the level of profitability it is necessary to carry out a comprehensive analysis of income and expenditure, to identify the factors of influence on them, to increase the reserves of activity. Receiving a positive or negative value of financial performance depends primarily on the effectiveness of the interaction of each component of the organization of a modern commercial bank. The ability to correctly identify

  1. FINANCIAL STABILITY – THE PRE-REQUISIT OF A SUCCESSFUL FINANCIAL ACTIVITY

    Directory of Open Access Journals (Sweden)

    Chirila Emil

    2012-07-01

    Full Text Available Essential component of social life, the economic activity is faced with the problems of permanent balance. General economic balance implies the existence of a correspondence between needs for material goods and goods possibly available; needs for labor force and manpower available; needs for financial resources and opportunities for their procurement; between revenues of the population and their possible coverage with goods and services; between needs for foreign currency resources and those potentially available in given circumstances. We believe that the financial balance of an company must reflect, through financing rates, the method of ensuring, allocating and using financial resources, on the one hand, and the economic-financial results obtained from the activity performed on the other hand, as well as reflect the relation between cash flows generated by operation activities, by investments and financing, on the one hand, and cash flows used for these activities, on the other hand. The financial balance study, according to "Cross-border research programme - performance indicators of entities in the Bihor- Hajdu Bihar Euro-region" - HURO/0901/204/2.2.3 was based on the basis of financial reporting for the years 2008-2010 for a number of 50 companies grouped in the representative activity sectors contributing to the county’s GDP performance as follows: Processing industry, Building, Building materials industry, Light industry, Agricultural products processing, Forestry and wood-processing industry, Commerce, Tourism services, Transport services. The calculation of balance indicators for the examined Bihor county companies are presented in the tables from the second chapter and briefly interpreted. It is important to note that companies which are representative for the economy of the Bihor county, possess 93,7% of the total subscribed and used capital, given that the number of public limited companies is 330 and represents only 1

  2. Uranium enrichment services activity. Financial statements for fiscal year ended June 30, 1975

    International Nuclear Information System (INIS)

    1975-01-01

    Financial statements for the Uranium Enrichment Services Activity, covering both ERDA and its contractors, are presented to provide information concerning the operations and financial position of this operation

  3. Data Protection in Financial Technology Services (A Study in Indonesian Legal Perspective)

    OpenAIRE

    Dian Purnama Anugerah; Masitoh Indriani

    2018-01-01

    The banking sector is facing a new competitor, namely Financial Technology (Fin-tech). Fin-tech itself can be described as an industry composed of companies using a new tech-nology and innovation with available resources in order to compete in the marketplace of tradi-tional financial institutions and intermediaries in the delivery of financial services. In Indonesia, Fin-tech has been widely developed since the past 3 years. Fin-tech faces a new challenge as a new service for financial consu...

  4. How displaced communities use technology to access financial services

    Directory of Open Access Journals (Sweden)

    Abdirashid Duale

    2011-08-01

    Full Text Available As drought forces hundreds of thousands of Somalis to flee, providing financial services might not seem an immediate priority. However these services are a lifeline for millions of people…

  5. PRUDENTIAL CONSTRAINS OF BANKS LENDING ACTIVITIES AFTER FINANCIAL CRISIS

    Directory of Open Access Journals (Sweden)

    Roberto Ercegovac

    2017-09-01

    Full Text Available Both economic practice and economic theory are interested in analyzing the role of financial sector in promoting the economic development and economic growth. Commercial banks are the most important financial institutions in bank-based economies. The lending activities of commercial banks are limited by regulatory framework, management decisions and credit capacities of borrowers. Regulatory framework has been limited lending potentials of commercial banks because of capital requirements and liquidity management costs. Information asymmetry and adverse selection in decision-making enforce commercial banks to implement credit rationing process even in case of social significance of investment projects. Social responsibility of commercial banks cannot be measured according to the risk-taking activities. Banking financial intermediations have to keep the value of savings deposits under control and protect the stability of financial system. This paper will analyze the risk structure and prudential constrains of bank lending activities. To employ the credit capacity of commercial banks, it is necessary to extend guarantee schemes or promote the alternative financing opportunities in sharing the risk of accelerated growth.

  6. Desulfurization technologies for flue gases from power stations, technological and financial characteristics

    International Nuclear Information System (INIS)

    Naumoski, Koce

    1997-01-01

    Harms on life environment, caused by aero pollution, for the last decades enforced fast development of technologies for filtration of gases that come from thermal power plants and other objects. SO 2 , that appear as one of outputs of fossil fuels combustion, and also processing of sulphide ore, is a main component of acid rains. Acid rains represent one of the most risky factors, responsible for dryne of woods and changing of flora and fauna on land and in water. Starting from 1931 year when on the thermal power plant BATTERSEA STATION, property of London Power, first scrubbers were monnted for filtration of flue gases of SO 2 , and up till today, many procedures are developed for desulfurization of flue gases. For easier coping with numerous technologies for desulfurization , various classifications were made. By state of aggregation of the absorption agent , the technologies for desulfurization of gases are divided in wet , semidry and dry procedures. Wet procedures are technologies with highness rate of desulfurization of 90-95 % and most flexible of the quality of fuel whose flue gases are filtered. Presently they have high price of 90-220 $/kw installed power. According to American sources, their price at the world market is forecasted that till 2000 year will reach price of 100 $/kw. Dry technologies for desulfurization of flue gases are last technologies. The rate of desulfurization is 50-60 % and its prise is 76 -113 $/kw. Their negative side is high variable costs 250 - 388 $/ ton SO 2 (at wet procedures variable costs 76 - 157 $/ton SO 2 ). Semidry technologies by financial and technological characteristics are wet and dry procedures. (Author)

  7. Impact of Blockchain Technology Platform in Changing the Financial Sector and Other Industries

    Directory of Open Access Journals (Sweden)

    Dusko Knezevic

    2018-03-01

    Full Text Available The aim of the paper is to conduct a research on an impact of blockchain technology platform on the financial sector through cryptocurrency, and an impact on other industries.. The subject of research is not only this technology but also its commercial exploitation. In order to understand the platform, the starting point of this research is an analysis of how the technology functions, after that the advantages for business and economic transaction are identified, and finally the paper deals with an impact of new technology on business, above all on financial operations. The basic hypothesis is that blockchain has achieved a great impact on financial sector, also it has the potential to radically change only the financial sector but also the way we buy and sell, our interaction with the authorities as a way of verifying the ownership from the authorship and the organic food production. Using the available data and synthesis of knowledge from the fields of technology, economics, finance, and politics, 4 scenarios were set up for the future of underlying technology. The scenario approach combined with trend analysis in order to prove the starting hypothesis with high reliability. The research results show that the technology being investigated already has a profound impact on the financial sector, that it is in the initial phase of changing many industries, with the likelihood that they will change them significantly in the next five to ten years. Businesses increasingly discover the power of this technology to exploit the benefits of the Fourth Technological Revolution.

  8. Methodological Aspects of the Development of Technological Entrepreneurship and Implementation of Financial Support Tools in Russian Universities

    Directory of Open Access Journals (Sweden)

    Babkinа Irina

    2016-01-01

    Full Text Available This article describes the development of methods of identification and support of communication between a developer and a technological entrepreneur. It is to promote university research activities. Special attention is paid to stimulating inventive activity and a university need in evolution of a developer from an inventor to series developmental engineer. The importance of an entrepreneurial path has been empathized. Financial tools of attraction of alternative funding for university innovative projects (e.g. endowment fund have been analyzed.

  9. Which components of health information technology will drive financial value?

    Science.gov (United States)

    Kern, Lisa M; Wilcox, Adam; Shapiro, Jason; Dhopeshwarkar, Rina V; Kaushal, Rainu

    2012-08-01

    The financial effects of electronic health records (EHRs) and health information exchange (HIE) are largely unknown, despite unprecedented federal incentives for their use. We sought to understand which components of EHRs and HIE are most likely to drive financial savings in the ambulatory, inpatient, and emergency department settings. Framework development and a national expert panel. We searched the literature to identify functionalities enabled by EHRs and HIE across the 3 healthcare settings. We rated each of 233 functionality-setting combinations on their likelihood of having a positive financial effect. We validated the top-scoring functionalities with a panel of 28 national experts, and we compared the high-scoring functionalities with Stage 1 meaningful use criteria. We identified 54 high-scoring functionality- setting combinations, 27 for EHRs and 27 for HIE. Examples of high-scoring functionalities included providing alerts for expensive medications, providing alerts for redundant lab orders, sending and receiving imaging reports, and enabling structured medication reconciliation. Of the 54 high-scoring functionalities, 25 (46%) are represented in Stage 1 meaningful use. Many of the functionalities not yet represented in meaningful use correspond with functionalities that focus directly on healthcare utilization and costs rather than on healthcare quality per se. This work can inform the development and selection of future meaningful use measures; inform implementation efforts, as clinicians and hospitals choose from among a "menu" of measures for meaningful use; and inform evaluation efforts, as investigators seek to measure the actual financial impact of EHRs and HIE.

  10. Financial Management Competence of Founding Teams and Growth of New Technology-Based Firms

    DEFF Research Database (Denmark)

    Brinckmann, Jan; Gemuenden, Hans Georg; Salomo, Søren

    2009-01-01

    This article draws on the resource-based view to analyze the role founding teams' financial management competencies play for firm growth. Prior research stressed the importance of acquiring external financial resources. In this study, we broaden the understanding of financial management in new......-assessments of their financial management competencies at start-up. We apply the partial least squares approach to determine the effects of the different financial management competencies on firm growth....... firms. We explore the relevance of strategic financial planning competence, external financing competence, competence in financing from cash flow, and controlling competence of entrepreneurial teams for the growth of new technology-based firms. A total of 212 founding teams provided self...

  11. Evaluating the enhancement and improvement of China's technology and financial services platform innovation strategy.

    Science.gov (United States)

    Wu, Ching-Sung; Hu, Kuang-Hua; Chen, Fu-Hsiang

    2016-01-01

    The development of high-tech industry has been prosperous around the world in past decades, while technology and finance have already become the most significant issues in the information era. While high-tech firms are a major force behind a country's economic development, it requires a lot of money for the development process, as well as the financing difficulties for its potential problems, thus, how to evaluate and establish appropriate technology and financial services platforms innovation strategy has become one of the most critical and difficult issues. Moreover, how the chosen intertwined financial environment can be optimized in order that high-tech firms financing problems can be decided has seldom been addressed. Thus, this research aims to establish a technology and financial services platform innovation strategy improvement model, as based on the hybrid MADM model, which addresses the main causal factors and amended priorities in order to strengthen ongoing planning. A DEMATEL technique, as based on Analytic Network Process, as well as modified VIKOR, will be proposed for selecting and re-configuring the aspired technology and financial services platform. An empirical study, as based on China's technology and financial services platform innovation strategy, will be provided for verifying the effectiveness of this proposed methodology. Based on expert interviews, technology and financial services platforms innovation strategy improvement should be made in the following order: credit guarantee platform ( C )_credit rating platform ( B )_investment and finance platform ( A ).

  12. The analysis of the influence of the intellectual capital on the results of the commercial activity of financial institutions

    Science.gov (United States)

    Shkolik, Oleg; Chirkova, Larisa; Chirkova, Polina

    2016-08-01

    Developing (underdeveloped) countries are territories of slow economic growth (catch-up growth). Perspectives of their economic growth largely depend on developing and introducing financial and technological innovations in the sphere of the financial markets. The level and quality of those innovations should enable provision of faster growth of the financial sector of the national economy by rising stability and effectiveness of the financial institutions. Powerful and stable financial sector is the basic element for attracting investments and upsurge of liquidity in the economic system of a developing country that aims to have developed economy. Intellectual capital is the most important of the fundamental factors of production in the financial sphere. It is a catalytic element of the process of the economic development. From this position, the researchers' collective develops and presents a mathematical model which characterizes the connection between the intellectual capital and financial results of the commercial activity of financial institutions. The model is applied in the analysis of the activity of financial institutions that are part of the EEU.

  13. Numerical Activities of Daily Living - Financial (NADL-F): A tool for the assessment of financial capacities.

    Science.gov (United States)

    Arcara, Giorgio; Burgio, Francesca; Benavides-Varela, Silvia; Toffano, Roberta; Gindri, Patrizia; Tonini, Elisabetta; Meneghello, Francesca; Semenza, Carlo

    2017-09-07

    Financial capacity is the ability to manage one's own finances according to self-interests. Failure in financial decisions and lack of independence when dealing with money can affect people's quality of life and are associated with neuropsychological deficits or clinical conditions such as mild cognitive impairment or Alzheimer's disease. Despite the importance of evaluating financial capacity in the assessment of patients with neuropsychological and psychiatric disorders, only a few tools have been developed. In the present article, the authors introduce the Numerical Activities of Daily Living - Financial (NADL-F) test, a new test to assess financial capacity in clinical populations. The NADL-F is relatively short, yet it encompasses the most common activities involving financial capacities. The NADL-F proved to have satisfactory psychometric properties and overall good validity for measuring financial abilities. Associations with performance on basic neuropsychological tests were investigated, in particular focusing on mathematical abilities as cognitive correlates of financial capacity. Results indicate that the NADL-F could be a useful tool to guide treatments for the enhancement of financial capacities. By sharing all materials and procedures, the authors hope to promote the development of further versions of the NADL-F in different languages, taking into account the necessary adjustments related to different socio-cultural contexts.

  14. Factoring - financial instrument supporting the current activity of an enterprise

    Directory of Open Access Journals (Sweden)

    Dorota Czerwińska-Kayzer

    2009-01-01

    Full Text Available Small and medium enterprises have a difficult access to classic financial sources. Therefore the factoring could be a financial instrument supporting effective management of the liabilities. Factoring improves the financial situation of a company, first of all financial liquidity. Moreover, factoring improves structure of financial statement and creates a possibility of risk transfer of debtor insolvency on factor.

  15. Ensuring the Process of Realisation of Financial Planning of Banking Activity

    OpenAIRE

    Kirkach Svitlana M.

    2014-01-01

    The article studies theoretical aspects of the process of realisation of financial planning of the bank's activity and identifies and justifies its six main stages: 1) goal formation stage; 2) preparation stage; 3) assessment; 4) financial plan approval; 5) financial plan execution, and 6) stage of the financial plan monitoring, control and adjustment. The above sequence of stages of the process of realisation of financial planning of the bank's activity allows a trustworthy assessment of the...

  16. Technology and Real Estate Brokerage Firm Financial Performance

    OpenAIRE

    John D. Benjamin; Peter Chinloy; Donald Jud; Daniel T. Winkler

    2005-01-01

    This study investigates the impact of Internet usage on the financial performance of residential real estate brokerage firms using a database of over 1,700 observations. Factor loadings and a factor score for Internet usage are developed. The results show that Internet use is positively related to revenue and net income, and negatively related to net margin. In a second stage analysis, Internet use is found to be positively associated with franchise affiliation, affiliation with a referral /r...

  17. 77 FR 18304 - Agency Information Collection; Activity Under OMB Review; Report of Financial and Operating...

    Science.gov (United States)

    2012-03-27

    ... current financial position of the carrier. Financial trend lines are extended into the future to analyze... RITA 2008-0002] Agency Information Collection; Activity Under OMB Review; Report of Financial and... Desk Officer. SUPPLEMENTARY INFORMATION: OMB Approval No. 2138-0013 Title: Report of Financial and...

  18. Market risk stress testing for internationally active financial institutions

    Directory of Open Access Journals (Sweden)

    Marković Petar

    2011-01-01

    Full Text Available The paper develops a comprehensive framework for market risk stress testing in internationally active financial institutions. We begin by defining the scope and type of the stress test and explaining how to select risk factors and the stress time horizon. We then address challenges related to data gathering, followed by in-depth discussion of techniques for developing realistic shock scenarios. Next the process of shock application to a particular portfolio is described, followed by determination of portfolio profit and loss. We conclude by briefly discussing the issue of assigning probability to stress scenarios. We illustrate the framework by considering the development of a ‘worst case’ scenario using global financial market data from Thomson Reuters Datastream.

  19. The Fintech Book: the Financial Technology Handbook for Investors, Entrepreneurs and Visionaries

    OpenAIRE

    Amalia, Fitri

    2016-01-01

    This book review deals with the fiancial technology area in emerging markets. The followings are the data about the book:Keyword:Publisher:Length:Price:Reading rating:Overall rating:financial technology, emerging marketsJohn Wiley & Sons Ltd, West Sussex, United Kingdom (2016)291 pages$27.16 (paperback)8 (1 = very difficult; 10 = very easy)3 (1 = average; 4 = outstanding)

  20. The Need to Adapt to New Financial Accounting Technologies Information in the Context of Global Economic Crisis

    Directory of Open Access Journals (Sweden)

    Enrique BONSON-PONTE

    2010-12-01

    Full Text Available Today, accounting is a necessity and not a desire. Concerns for the improvement of accounting practices are necessary, especially in Romania, where these activities are strengthened with the progress of the Romanian economy integration into the structures of the European Union. This paper carried an objective analysis of how the web report is now being made by financial and accounting information, presents the disadvantages of this approach to reporting introduced, but the potential benefits that could be created by the rapid adoption of international standards for reporting financial information website, too. At the same time, the paper tries to create new opportunities as soon as possible regarding the adoption of intelligent technologies, which, coupled with language Web reporting financial information.

  1. Financial audit: DOE Uranium Enrichment Activity financial statements - September 30, 1984

    International Nuclear Information System (INIS)

    1986-01-01

    In GAO's opinion the Department of Energy did not comply with the terms and provisions of laws and regulations for the financial transactions tested. Specifically, DOE did not comply with the Atomic Energy Act of 1954, as amended, requiring the Uranium Enrichment Activity to recover the cost of its operations when setting prices to be charged to its customers. Also, DOE's actions concerning its new utility services contract were not in compliance with applicable statutory principles. UEA did not amend its pricing criteria as required by the Atomic Energy Act, as amended. Consequently UEA did not comply with the 45-day notification to the appropriate congressional oversight committees as also required by the act

  2. Corporate Financial Flexibility, Investment Activities, and Cash Holding: Evidence From Indonesia

    OpenAIRE

    Rahmat Heru Setianto; Addenver Kusumaputra

    2017-01-01

    This paper examines empirically the impact of financial flexibility on investment activities. Furthermore, we also investigate how financial flexibility determines the sensitivity of investment activities to cash flow. Using annual data of Indonesian manufacturing firms spanning five years, our analyses reveal that financial flexibility enhances investment ability and decreases sensitivity of investment activities to cash flow. Further analysis indicates that financially flexible firms in Ind...

  3. The Ability to Assimilate Technology as a Source of Competitive Advantage of Financial Companies in Poland

    OpenAIRE

    Glabiszewski Waldemar; Zastempowski Maciej

    2016-01-01

    This article is empirical in nature and attempts to assess the impact of ability to assimilate newly acquired technologies by financial companies operating in Poland gaining market competitive advantages. The outcome of the research conducted proved the existence of this relationship and found it be strong. This means that the development of these abilities within the absorptive potential of financial companies should trigger a significant increase in the market competitive advantages held by...

  4. The Rise of Mobile Technology on the Financial Sector in Zimbabwe

    OpenAIRE

    Paul Mupfiga; Tafadzwa Padare

    2017-01-01

    The emergence of technology has revolted the way that the financial industry operates and the increasing use of mobile gadgets has changed the banking system from the traditional brick and mortar building to a virtual system. The sudden rise in use and innovation of smart mobile phones, mobile personal computers, tablets and various other mobile electronic gadgets has resulted in the rise of mobile financial products. Rapid quickening innovative headways are making completely new business sug...

  5. Taxation of Financial Intermediation Activities in Hong Kong

    OpenAIRE

    Jack M. Mintz; Stephen R. Richardson

    2001-01-01

    This paper discusses issues related to the taxation of financial intermediation in Hong Kong in the context of Hong Kong's position as a major regional financial centre. It first provides some background analysis as to the definition of financial intermediation and identification of the providers of financial services. This is then followed by a discussion of the principles of taxation applicable to financial intermediation, including a comparison of income taxes to consumption taxes. Some sp...

  6. Risks of cyber attacks on financial audit activity

    Directory of Open Access Journals (Sweden)

    Gheorghe N. Popescu

    2018-02-01

    Full Text Available Simultaneously with increasing the speed and precision of data processing, multiple connectivity, fast transmission over long distances, and their results, the development and generalization of automatic processing, brought many new vulnerabilities and deficiencies, otherwise inevitable, the basis of new risk categories. The risks of cyber attacks on financial auditing involve the risk management of information systems security. Identifying, mitigating or eliminating the effects are mandatory requirements without which a high-quality financial audit can not be achieved in a highly computerized environment. To substantiate specific risk management actions on information systems security, in this study we analyzed the main types and techniques used in cyber attacks by making their radiography, identifying the strengths and weaknesses of new technologies and systems that are or not favoring security systems. At the same time, we analyzed the security system of an information system, organized it in layers, and revealed the specific areas for the security evaluation of the Mehari method. Finally, some of the results of a survey based on a questionnaire made with the support of master students of the "Information Systems Audit and Control" course were revealed, with three of the most common weaknesses identified for each security domain.

  7. The Impact of Financial Support System on Technology Innovation: A Case of Technology Guarantee System in Korea

    Directory of Open Access Journals (Sweden)

    Woo-Seok Jang

    2008-04-01

    Full Text Available We analyzed the impact of financial support system on technological innovation of small and medium manufacturing firms in Korea, with a special interest in technology guarantee system. This was done using a sample of 1,014 Korean manufacturing firms of which 43% were venture companies. Our study provides two important conclusions. First, the result of empirical analysis indicates that financial support systems have a significant influence on both product innovation and process innovation of SMEs in Korea. Second, a more important conclusion of this research is that technology guarantee system impacts on product innovation; however not on process innovation. This result implies that technology guarantee system attaches more importance to technological innovations related with product development than to those related with process enhancement.

  8. Information technology adoption for service innovation practices and competitive advantage: the case of financial firms

    OpenAIRE

    J.S. Chen; H.T. Tsou

    2007-01-01

    Background. The importance of information technology to current business practices has long drawn the attention of practitioners and academicians. Aim. This paper aims to broaden understanding about service innovation as a critical organizational capability through which information technology adoption influences the competitive advantage of a firm. In the context of financial firms, this study examines how information technology is adopted and managed to enhance service innovation practices ...

  9. Augmenting the impact of technology adoption with financial incentive to improve radiology report signature times.

    Science.gov (United States)

    Andriole, Katherine P; Prevedello, Luciano M; Dufault, Allen; Pezeshk, Parham; Bransfield, Robert; Hanson, Richard; Doubilet, Peter M; Seltzer, Steven E; Khorasani, Ramin

    2010-03-01

    Radiology report signature time (ST) can be a substantial component of total report turnaround time. Poor turnaround time resulting from lengthy ST can adversely affect patient care. The combination of technology adoption with financial incentive was evaluated to determine if ST improvement can be augmented and sustained. This prospective study was performed at a 751-bed, urban, tertiary care adult teaching hospital. Test-site imaging volume approximated 48,000 examinations per month. The radiology department has 100 trainees and 124 attending radiologists serving multiple institutions. Over a study period of 4 years and 4 months, three interventions focused on radiologist signature performance were implemented: 1) a notification paging application that alerted radiologists when reports were ready for signature, 2) a picture archiving and communications systems (PACS)-integrated speech recognition report generation system, and 3) a departmental financial incentive to reward radiologists semiannually for ST performance. Signature time was compared before and after the interventions. Wilcoxon and linear regression statistical analyses were used to assess the significance of trends. Technology adoption (paging plus speech recognition) reduced median ST from >5 to 24 to 15 to 18 hours (P financial incentive further improved 80th-percentile ST to 4 to 8 hours (P Technology interventions coupled with financial incentive can result in synergistic and sustainable improvement in radiologist report-signing behavior. The addition of a financial incentive leads to better performance than that achievable through technology alone.

  10. Benefits and Financial Impacts of Adopting Technology in Learning

    Science.gov (United States)

    Grenman, Katri; Isomursu, Minna; Federley, Maija; Seisto, Anu

    2013-01-01

    This paper summarizes the results of an analysis of the impacts of adopting information and communication technology (ICT) solutions in a learning context. The analysis is based on a literature survey of articles reporting research cases studying the impact of adopting ICT based solutions in various learning contexts. The subject has been reviewed…

  11. A Financial Technology Entrepreneurship Program for Computer Science Students

    Science.gov (United States)

    Lawler, James P.; Joseph, Anthony

    2011-01-01

    Education in entrepreneurship is becoming a critical area of curricula for computer science students. Few schools of computer science have a concentration in entrepreneurship in the computing curricula. The paper presents Technology Entrepreneurship in the curricula at a leading school of computer science and information systems, in which students…

  12. Data Protection in Financial Technology Services (A Study in Indonesian Legal Perspective

    Directory of Open Access Journals (Sweden)

    Dian Purnama Anugerah

    2018-01-01

    Full Text Available The banking sector is facing a new competitor, namely Financial Technology (Fin-tech. Fin-tech itself can be described as an industry composed of companies using a new tech-nology and innovation with available resources in order to compete in the marketplace of tradi-tional financial institutions and intermediaries in the delivery of financial services. In Indonesia, Fin-tech has been widely developed since the past 3 years. Fin-tech faces a new challenge as a new service for financial consumer which adapts to new ways of living in modern digital tech-nology era. Basically, Fin-tech offers three main categories such as payment, personal finance, and financing. In financing application there are peer to peer financing, social crowd funding, and loan marketplace. All of these kinds of application have some issues in legal framework and data protection due to the use of communication technologies such as internet, social networks, Smartphone, massive use of data with the Big Data, connected objects, etc. The use of big data and those new technologies create new opportunities for these sectors, and this development also raises significant data protection concerns. This paper discusses two legal issues of Fin-tech, the legal aspect, and the data protection.

  13. Brain Activities and Educational Technology

    Science.gov (United States)

    Riza, Emel

    2002-01-01

    There are close relationships between brain activities and educational technology. Brain is very important and so complicated part in our bodies. From long time scientists pay attention to that part and did many experiments, but they just reached little information like a drop in the sea. However from time to time they gave us some light to…

  14. 76 FR 27381 - Agency Information Collection (Financial Statement) Activity Under OMB Review

    Science.gov (United States)

    2011-05-11

    ... (Financial Statement) Activity Under OMB Review AGENCY: Veterans Benefits Administration, Department of... . Please refer to ``OMB Control No. 2900-0047.'' SUPPLEMENTARY INFORMATION: Title: Financial Statement, VA.../assumers meet the creditworthiness requirements. The data is also used to determine a borrower's financial...

  15. The Rise of Mobile Technology on the Financial Sector in Zimbabwe

    Directory of Open Access Journals (Sweden)

    Paul Mupfiga

    2017-07-01

    Full Text Available The emergence of technology has revolted the way that the financial industry operates and the increasing use of mobile gadgets has changed the banking system from the traditional brick and mortar building to a virtual system. The sudden rise in use and innovation of smart mobile phones, mobile personal computers, tablets and various other mobile electronic gadgets has resulted in the rise of mobile financial products. Rapid quickening innovative headways are making completely new business suggestions, for example, crowd financing, shared loaning, advanced monetary forms, versatile managing an account, online speculation and new instalment frameworks. Zimbabwe's mobile technology use is currently on the rise too as mobile service providers like Econet are enabling the connection between consumers and financial related products. Despite the fact that innovation without a doubt brings benefits, prominent specialized disappointments in the money related part lately are disturbing and several negative factors are to some extent affecting production. Drawbacks like cybercrime, resistance to change, and compatibility of mobile gadgets are affecting the information technology environment. This paper highlights the rise of mobile technology in the financial sector in Zimbabwe.

  16. Satisfaction with virtual communities in B2B financial services: social dynamics, content and technology

    NARCIS (Netherlands)

    Chompis, E.; Bons, R.W.H.; van den Hooff, B.J.; Feldberg, J.F.M.; Horn, H.

    2014-01-01

    This study explores satisfaction with Virtual Communities in a Financial Services setting. Based on Expectancy Value Theory and the concept of Experiential Value we hypothesize that three sources of value drive user satisfaction in a B2B-VC: social ties, content and technology. We propose a

  17. Marketing strategies in financial crisis : with change in mobile phone technology

    OpenAIRE

    Shabbir, Rizwan; Ur Rehman, Attiq

    2010-01-01

    The financial crisis has affected every economy during the last decade thus under this changing environment that effect the marketing strategies and these strategies began to change according to the buying behavior of the people. In this research the consumer perspective is examined with the change in mobile phone technology. This is an industry of constant change and innovation in which manufacturers are continually developing new technologies for consumers. As the buying behavior of the con...

  18. THE EFFECT OF INNOVATION ON FINANCIAL PERFORMANCE OF SOME INFORMATION AND TECHNOLOGY COMPANIES IN TURKEY

    OpenAIRE

    ŞİŞMANOĞLU, Elçin; YAŞAR AKÇALI, Burçay

    2017-01-01

    Innovation has become a prime component for gaining a competitive advantage in the market for all companies. Companies should take into consideration research and development (R&D) expenditure to be innovative. This study investigates the effect of R&D expenditure of some information and technology companies in Turkey as an indication of innovation on their financial performance. Data is collected from seven information and technology companies for 2005-2014 periods. Data is a...

  19. Longitudinal analysis of high-technology medical services and hospital financial performance.

    Science.gov (United States)

    Zengul, Ferhat D; Weech-Maldonado, Robert; Ozaydin, Bunyamin; Patrician, Patricia A; OʼConnor, Stephen J

    U.S. hospitals have been investing in high-technology medical services as a strategy to improve financial performance. Despite the interest in high-tech medical services, there is not much information available about the impact of high-tech services on financial performance. The aim of this study was to examine the impact of high-tech medical services on financial performance of U.S. hospitals by using the resource-based view of the firm as a conceptual framework. Fixed-effects regressions with 2 years lagged independent variables using a longitudinal panel sample of 3,268 hospitals (2005-2010). It was hypothesized that hospitals with rare or large numbers (breadth) of high-tech medical services will experience better financial performance. Fixed effects regression results supported the link between a larger breadth of high-tech services and total margin, but only among not-for-profit hospitals. Both breadth and rareness of high-tech services were associated with high total margin among not-for-profit hospitals. Neither breadth nor rareness of high-tech services was associated with operating margin. Although breadth and rareness of high-tech services resulted in lower expenses per inpatient day among not-for-profit hospitals, these lower costs were offset by lower revenues per inpatient day. Enhancing the breadth of high-tech services may be a legitimate organizational strategy to improve financial performance, especially among not-for-profit hospitals. Hospitals may experience increased productivity and efficiency, and therefore lower inpatient operating costs, as a result of newer technologies. However, the negative impact on operating revenue should caution hospital administrators about revenue reducing features of these technologies, which may be related to the payer mix that these technologies may attract. Therefore, managers should consider both the cost and revenue implications of these technologies.

  20. The impact of state financial incentives on market deployment of solar technology

    International Nuclear Information System (INIS)

    Sarzynski, Andrea; Larrieu, Jeremy; Shrimali, Gireesh

    2012-01-01

    Many states have adopted financial incentives to encourage market deployment of solar energy technology. This paper employs a cross-sectional time-series approach to evaluate the extent to which state solar financial incentives systematically encouraged market deployment of solar photovoltaic (PV) technology from 1997 to 2009. The results demonstrate that states offering cash incentives such as rebates and grants experienced more extensive and rapid deployment of grid-tied PV technology than states without cash incentives over the study period. The analysis also finds that the presence of state renewable energy portfolio standards and specific solar carve-out provisions within them heavily influenced the market deployment of grid-tied solar PV technology through 2009. - Highlights: ► We evaluate the impact of state financial incentives on solar technology adoption. ► Cash incentives and renewable portfolio standards strongly influenced deployment. ► The impact of cash incentives and RPS grew significantly over time. ► Tax incentives had little systematic effect on solar market deployment.

  1. Analysts guide to FEEMA for financial analysis of ecosystem management activities.

    Science.gov (United States)

    Roger D. Fight; John T. Chmelik

    1998-01-01

    This report describes strategies for using the Financial Evaluation of Ecosystem Management Activities (FEEMA) software. This program was developed as a tool for assessing the financial viability of management activities for removing small trees for manufacture into wood products. Combinations of tree stands, management activities, and contractual requirements can be...

  2. Effectiveness of Financial and Fiscal Instruments for Promoting Sustainable Renewable Energy Technologies

    Directory of Open Access Journals (Sweden)

    Renata Dombrovski

    2015-12-01

    Full Text Available The new EU target of achieving 80-95% emission reductions by 2050 calls for novel energy policy solutions. Previous research has failed to evaluate the influence of all relevant elements of energy policy on technology-specific sustainable renewable energy diffusion. This paper adds to existing research by studying the effectiveness of financial and fiscal instruments on diffusion, additionally controlling for potential political, economic, social, and environmental drivers. These drivers are analysed for 26 EU countries over the period 1990-2011. The main results show that feed-in tariffs, quotas, and tenders effectively promote wind technologies. Other explanatory variables have technology- and model-dependent impacts.

  3. 76 FR 56499 - Financial Access Activities; Comment Request.

    Science.gov (United States)

    2011-09-13

    ... development of sustainable financial services and products related to accounts? Are there opportunities for... Wall Street Reform and Consumer Protection Act (the Act), to expand access to mainstream financial... develop and provide account products and services that are appropriate and accessible for low- and...

  4. Financial evaluation of renewable energy technologies for irrigation water pumping in India

    International Nuclear Information System (INIS)

    Purohit, Pallav

    2007-01-01

    An attempt to develop a simple framework for financial evaluation of renewable energy technologies (RETs) such as photovoltaic (PV) pump, windmill pump, biogas and producer gas-driven dual fuel engine pumps for irrigation water pumping has been made. The unit cost of water and unit cost of useful energy delivered by the RETs have been estimated. The monetary benefits that accrued to the end-user have been quantified in terms of the amount of diesel or electricity saved. Financial figures of merit for the investments made in the RETs have been estimated. The effect of fuel price escalation on these measures of financial performance has also been evaluated along with the estimation of the break-even prices of fuels likely to be substituted by RETs. Results of some exemplifying calculations are presented and briefly discussed

  5. Financial evaluation of renewable energy technologies for irrigation water pumping in India

    Energy Technology Data Exchange (ETDEWEB)

    Purohit, Pallav [Research Programme on International Climate Policy, Hamburg Institute of International Economics (HWWI), Hamburg (Germany)

    2007-06-15

    An attempt to develop a simple framework for financial evaluation of renewable energy technologies (RETs) such as photovoltaic (PV) pump, windmill pump, biogas and producer gas-driven dual fuel engine pumps for irrigation water pumping has been made. The unit cost of water and unit cost of useful energy delivered by the RETs have been estimated. The monetary benefits that accrued to the end-user have been quantified in terms of the amount of diesel or electricity saved. Financial figures of merit for the investments made in the RETs have been estimated. The effect of fuel price escalation on these measures of financial performance has also been evaluated along with the estimation of the break-even prices of fuels likely to be substituted by RETs. Results of some exemplifying calculations are presented and briefly discussed. (author)

  6. The development vector of the treasury technologies in order to improve the efficiency of financial resources management

    Directory of Open Access Journals (Sweden)

    Achmedov Shahmurad, S.

    2015-09-01

    Full Text Available The current social-economic situation in the country is accompanied by a sharp reduction of budgetary allocations, which in turn actualizes the problem of creation of conditions providing sustainable economic development, as well as unconditional fulfillment of state obligations, primarily social. Course on the solution of these tasks is defined in the plan of priority measures for the sustainable development of economy and social stability, signed in January 2015 by the Government of the Russian Federation. The paper notes that in the beginning of the budget cuts period all outputs of the budget reform were aimed at improving the quality of public (municipal finances, at creation the conditions most effective use of state (municipal financial resources. The specific essence of reforms is to move to active methods of management of budget resources and to use new financial instruments that ensure the effectiveness of state (municipal spending. The author emphasizes that the achievement of objectives largely depends on the Federal Treasury. In this regard, the author investigates the process of technology improvement of the Treasury execution of the budget, the scale of which was determined by the program "Modernization of the Treasury system of the Russian Federation" and direction of the Strategic map of the Treasury of Russia for the period 2015-2019. Special attention is paid to the complex events that determine the vector of development of Treasury technologies in order to improve the efficiency of financial resources management.

  7. Building political and financial support for science and technology for agriculture.

    Science.gov (United States)

    Beachy, Roger N

    2014-04-05

    The high rate of return on investments in research and development in agriculture, estimated at between 20- and 40-fold, provides a strong rationale for increasing financial support for such research. Furthermore, the urgency to provide sufficient nutrition for a growing population amid growing demands for an expanding bioeconomy, while facing population growth and changing global weather patterns heightens the urgency to expand research and development in this field. Unfortunately, support by governments for research has increased at a fraction of the rate of increases in support of research for health, energy, etc. Although there have been significant increases in investments by the private sector over the past two decades, much of the foundational research that supports private-sector activities is generated in the public sector. To achieve the greatest benefits of breakthroughs in research, it may be necessary to reconfigure research funding and technology transfer mechanisms in order to more rapidly apply discoveries to local needs as well as to global challenges. Some changes will likely require significant organizational, administrative and operational changes in education and research institutions.

  8. Building political and financial support for science and technology for agriculture

    Science.gov (United States)

    Beachy, Roger N.

    2014-01-01

    The high rate of return on investments in research and development in agriculture, estimated at between 20- and 40-fold, provides a strong rationale for increasing financial support for such research. Furthermore, the urgency to provide sufficient nutrition for a growing population amid growing demands for an expanding bioeconomy, while facing population growth and changing global weather patterns heightens the urgency to expand research and development in this field. Unfortunately, support by governments for research has increased at a fraction of the rate of increases in support of research for health, energy, etc. Although there have been significant increases in investments by the private sector over the past two decades, much of the foundational research that supports private-sector activities is generated in the public sector. To achieve the greatest benefits of breakthroughs in research, it may be necessary to reconfigure research funding and technology transfer mechanisms in order to more rapidly apply discoveries to local needs as well as to global challenges. Some changes will likely require significant organizational, administrative and operational changes in education and research institutions. PMID:24535386

  9. Financialization and financial profit

    Directory of Open Access Journals (Sweden)

    Arturo Guillén

    2014-09-01

    Full Text Available This article starts from the critical review of the concept of financial capital. I consider it is necessary not to confuse this category with of financialization, which has acquired a certificate of naturalization from the rise of neoliberalism. Although financial monopoly-financial capital is the hegemonic segment of the bourgeoisie in the major capitalist countries, their dominance does not imply, a fortiori, financialization of economic activity, since it depends of the conditions of the process reproduction of capital. The emergence of joint stock companies modified the formation of the average rate of profit. The "promoter profit" becomes one of the main forms of income of monopoly-financial capital. It is postulated that financial profit is a kind of "extraordinary surplus-value" which is appropriated by monopoly-financial capital by means of the monopolistic control it exerts on the issue and circulation of fictitious capital.

  10. Wall Street's assessment of plastic surgery--related technology: a clinical and financial analysis.

    Science.gov (United States)

    Krieger, L M; Shaw, W W

    2000-02-01

    Many plastic surgeons develop technologies that are manufactured by Wall Street-financed companies. Others participate in the stock market as investors. This study examines the bioengineered skin industry to determine whether it integrates clinical and financial information as Wall Street tenets would predict, and to see whether the financial performance of these companies provides any lessons for practicing plastic surgeons. In efficient markets, the assumptions on which independent financial analysts base their company sales and earnings projections are clinically reasonable, the volatility of a company's stock price does not irrationally differ from that of its industry sector, and the buy/sell recommendations of analysts are roughly congruent. For the companies in this study, these key financial parameters were compared with a benchmark index of 69 biotech companies of similar age and annual revenues (Student's t test). Five bioengineered skin companies were included in the study. Analysts estimated that each company would sell its product to between 24 and 45 percent of its target clinical population. The average stock price volatility was significantly higher for study companies than for those in the benchmark index (p companies were significantly less congruent than those for the benchmark companies (p invest in the stock market, because of their unique clinical experience, may sometimes be in the position to evaluate new technologies and companies better than Wall Street experts. Well-timed trades that use this expertise can result in opportunities for profit.

  11. FINANCIAL ASPECTS OF ACTIVITY IN THE STUDFARM - SLATINA, OLT

    Directory of Open Access Journals (Sweden)

    Radu Lucian PÂNZARU

    2013-10-01

    Full Text Available In 1920 was established stallions deposit Brebeni in order to improve horses from Oltenia. Deposit began to operate effectively in 1928 with a staff of 20 heads, until 1984 when it was founded Slatina stud on Repository stud structure, which was moved to the location in Slatina. During 2002 the unit went into administration Romsilva National Forest as OLT Forestry Department Section. The unit is located in Slatina, Recea Street, no. 24, about 2 km from Slatina on DJ 653 Slatina - receive. In terms of administrative membership unit can be found on the municipality Slatina. Unit promotes its activities through participation in exhibition events (fairs, exhibitions, public events, etc.., Supply breeding stallions for public breeding resorts consultations for reproduction, horse riding, dressage, equestrian leisure and tourism. 2010 is the year of minimum and year 2011 is maximum in terms of value (level financial indicators - in most cases, except for external expenses, personal expenses, insurance expenses, adjustments for property, loss of use, the current and Gross (including related rates.

  12. Overcoming financial barriers to wider use of renewable energy technology in Africa

    International Nuclear Information System (INIS)

    Davidson, O.R.; Turkson, J.

    2001-01-01

    Future energy demand in Africa will rise dramatically due to development desires and increased industrial needs. Coping with this demand will pose a serious challenge because of the economic and environmental constraints of the continent. Exploiting its vast renewable energy sources for this purpose will assist greatly, but financial and other barriers to the rapid growth of associated technologies are significant. This paper explores measures that can be implemented to reduce these financial barriers. The analyses, which are based on lessons from experiences in and out of the region, show that replicating and enhancing current initiatives along with the implementation of suggested policy options could substantially increase the use of renewable energy technologies in Africa. (author)

  13. Building Competitive Advantage Through Open Innovation : A case study in the financial technology sector

    OpenAIRE

    Jonsson Holm, Erik; Andersson, Felix

    2018-01-01

    The modern financial industry includes fast-changing technology, new regulations, and markets where companies at times find themselves at disadvantage. This study focuses on how organizations can build competitive advantage, particularly by drawing on the open innovation concept. We conceptualize its relationship to competitive advantage as a strategy of using and developing dynamic capabilities in business ecosystems. This view is empirically analysed through qualitative data from four organ...

  14. Financial risk management for new technology integration in energy planning under uncertainty

    International Nuclear Information System (INIS)

    Ahmed, Sajjad; Elsholkami, Mohamed; Elkamel, Ali; Du, Juan; Ydstie, Erik B.; Douglas, Peter L.

    2014-01-01

    Highlights: • Financial risk associated with over or underproduction of electricity is studied. • A two-stage stochastic model that considers parameter uncertainties is developed. • The model was applied to a real case to meet projected electricity demand of a fleet of generating stations. • Incorporation of financial risk resulted in an increase in electricity cost. • The selection of technologies was the same as that obtained from a deterministic model. - Abstract: This paper proposes a new methodology to include financial risk management in the framework of two-stage stochastic programming for energy planning under uncertainties in demand and fuel price. A deterministic mixed integer linear programming formulation is extended to a two-stage stochastic programming model in order to take into account random parameters that have discrete and finite probabilistic distributions. This was applied to a case study focusing on planning the capacity supply to meet the projected electricity demand for the fleet of electricity generation stations owned and operated by Ontario Power Generation (OPG). The objective of the proposed mathematical model is to minimize cost subject to environmental constraints. The case study is investigated by considering only existing technologies and also by considering the integration of new technologies that help achieve stricter carbon reduction requirements

  15. A methodology for financial evaluation of biogas technology in India using cost functions

    International Nuclear Information System (INIS)

    Rubab, S.; Kandpal, T.C.

    1996-01-01

    A methodology for financial evaluation of biogas technology for domestic use in India using recently developed cost functions is reported. Analytical expressions for the unit cost of biogas and cost per unit of useful energy delivered by a biogas plant in combination with other suitable technologies have been developed. Net present value and discounted pay-back period have been calculated. The sensitivity of the unit cost of biogas, the cost per unit of useful energy, and the net present value with respect to a number of variables is also reported. (author)

  16. IMPROVING THE QUALITY OF THE INFORMATION PRESENTED IN FINANCIAL STATEMENTS BY USING INFORMATION TECHNOLOGY

    Directory of Open Access Journals (Sweden)

    VASILE DUMITRAȘ

    2011-01-01

    Full Text Available Information technology can contribute significantly to business efficiency, including also enterprise governance, through appropriate and effective use. In most cases, it is difficult to determine which technologies are relevant to business needs and the use of appropriate options is not always clear. The development of information society, characterized by integration and automatization of processes and controls, by increased operational security of systems but also increasing dependence on them, and accompanied also by increased requirements of correct and operative information creates the need for new approaches of procedures and financial systems architectures.

  17. Technological, economic and financial prospects of carbon dioxide capture in the cement industry

    International Nuclear Information System (INIS)

    Li, Jia; Tharakan, Pradeep; Macdonald, Douglas; Liang, Xi

    2013-01-01

    Cement is the second largest anthropogenic emission source, contributing approximately 7% of global CO 2 emissions. Carbon dioxide capture and storage (CCS) technology is considered by the International Energy Agency (IEA) as an essential technology capable of reducing CO 2 emissions in the cement sector by 56% by 2050. The study compares CO 2 capture technologies for the cement manufacturing process and analyses the economic and financial issues in deploying CO 2 capture in the cement industry. Post-combustion capture with chemical absorption is regarded as a proven technology to capture CO 2 from the calcination process. Oxyfuel is less mature but Oxyfuel partial capture—which only recycles O 2 /CO 2 gas in the precalciner—is estimated to be more economic than post-combustion capture. Carbonate looping technologies are not yet commercial, but they have theoretical advantages in terms of energy consumption. In contrast with coal-fired power plants, CO 2 capture in the cement industry benefits from a higher concentration of CO 2 in the flue gas, but the benefit is offset by higher SO x and NO x levels and the smaller scale of emissions from each plant. Concerning the prospects for financing cement plant CO 2 capture, large cement manufacturers on average have a higher ROE (return on equity) and lower debt ratio, thus a higher discount rate should be considered for the cost analysis than in power plants. IEA estimates that the incremental cost for deploying CCS to decarbonise the global cement sector is in the range US$350–840 billion. The cost estimates for deploying state-of-the art post-combustion CO 2 capture technologies in cement plants are above $60 to avoid each tonne of CO 2 emissions. However, the expectation is that the current market can only provide a minority of financial support for CO 2 capture in cement plants. Public financial support and/or CO 2 utilisation will be essential to trigger large-scale CCS demonstration projects in the cement

  18. A Firm Level Study of Information Technology Productivity in Europe Using Financial and Market Based Measures

    Directory of Open Access Journals (Sweden)

    Alan Peslak

    2004-05-01

    Full Text Available For many years, business has invested significant resources in information technology, hardware, software, and manpower. The Productivity Paradox is the seeming lack of productivity gains despite the increased investment in IT. For many years the existence of a Productivity Paradox has been the subject of research interest. Conflicting results have been obtained from a variety of data sets. Until this time however there has been no study that has investigated European companies’ use of information technology and its impact on productivity. The objective of this study was to investigate information technology productivity with a new data set from a European published source, and measuring productivity using both market and financial based measures. Results of the study indicated that information technology did have a consistent positive impact on firm level productivity in Europe for the years 1996, 1997, and 1998. Both market and financial based productivity measures provided consistent positive significant returns with regard to IT productivity. The major contribution of the study is that it provides an analysis of the impact of European information technology on firm and economic productivity.

  19. Application of 'C.A.R.B. financial methodology' analysis for alternative energy technologies into UK housing

    International Nuclear Information System (INIS)

    Spanos, Ioannis; Duckers, Les; Holmes, Kenneth L.

    2007-01-01

    Current energy trends in UK housing are reviewed and then assessed by introducing the 'CARB financial analysis' methodology. CARB is an acronym for 'Carbon Abatement', as it evaluates the potential carbon-dioxide reduction from different technologies; 'Relative', as all the technologies examined are dependant on various primary sources; and 'Balance', as the cost of surplus CO 2 is quantified. According to conventional financial analysis, most of the technologies examined have the potential to provide positive returns on the investments especially for those with an environmentally conscious agenda. Further reduction of up to 30% of most installed alternative energy systems cost is required to compete with an investment in, e.g., a UK pension scheme. Using the 'CARB financial analysis' the cost of reducing CO 2 has been quantified, and compared with the potential cost of climate change impact. Conventional installed solar technologies are not financially attractive both with a pay back period calculations and 'CARB financial analysis' under current market costs and governmental subsidy regimes. Heat recovery technologies could be sensible investments, both in financial and environmental terms under particular assumptions; especially if the investment budget is small. The use of cogeneration technologies provides a financial advantage in the attempt to minimise the cost of climate change impact, as pay back period of such investment could be less than 7 yr, and the cost of CO 2 saved could be two to seven times less than the global damage cost of carbon emissions. (author)

  20. Ensuring the Process of Realisation of Financial Planning of Banking Activity

    Directory of Open Access Journals (Sweden)

    Kirkach Svitlana M.

    2014-03-01

    Full Text Available The article studies theoretical aspects of the process of realisation of financial planning of the bank’s activity and identifies and justifies its six main stages: 1 goal formation stage; 2 preparation stage; 3 assessment; 4 financial plan approval; 5 financial plan execution, and 6 stage of the financial plan monitoring, control and adjustment. The above sequence of stages of the process of realisation of financial planning of the bank’s activity allows a trustworthy assessment of the bank’s activity environment, formation of specific goals and tasks of the bank’s activity, and also to determine the ways of their achievement, and so on. The result of the process of realisation of financial planning of the bank’s activity is the bank’s financial plan, which is proposed to divide into four sub-sections: plan of the bank’s assets and liabilities; plan of the bank’s receipts and expenditures; plan of the bank’s cash flows; and plan of forecast values of basic financial indicators of the bank’s activity.

  1. Financial Literacy and Mutual Fund Investments : Who Buys Actively Managed Funds?

    OpenAIRE

    Müller, Sebastian; Weber, Martin

    2008-01-01

    Previous research indicates that lacking financial sophistication among private investors might be important in explaining the strong growth in active management over the past. Based on questionnaire data with more than 3,000 mutual fund customers, we therefore construct an objective financial literacy score and analyze the relationship between financial literacy and mutual fund investment behavior. While sophisticated investors are indeed more aware of passive, low cost fund alternatives lik...

  2. A systematic review of financial incentives for physical activity: The effects on physical activity and related outcomes

    NARCIS (Netherlands)

    Barte, J.C.M.; Wendel-Vos, G.C.W.

    2017-01-01

    The aim of this review is to give an overview of the available evidence on the effects of financial incentives to stimulate physical activity. Therefore, a systematic literature search was performed for randomized trials that investigate the effects of physical-activity-related financial incentives

  3. Measures for the capitalization of internal control activity performed on the entity's financial and accounting activities

    OpenAIRE

    Doina Maria Tilea; Dragos Zaharia

    2013-01-01

    In the organization of internal control flexibility is required because if a rule is too rigid or no longer current it can leads to inefficiency. Current organizational complexity involving the private sector to organize a system of internal control to fold on this, which can cover a territory so expanded and a wide variety of activities. Thus, the Company's internal controls is exercised at the level of each structure and because of the importance and implications of the financial ones are h...

  4. Money, money, money [spotlight on financial activity in India

    International Nuclear Information System (INIS)

    Sahai, I.M.

    1998-01-01

    India, with its long history of and vast potential for hydroelectric power, seems set to prioritise this form of power generation, by encouraging private investment in the hydroelectric power through financial incentives. The main reason for the lack of development of the country''s hydro potential is a paucity of financial resources and consequent tardy investment in the hydropower sector, because of the slow rate of return to investors. Government pressure and an expected announcement about policy on hydropower has led to new initiatives to fund new hydroelectric power plants and refurbish the older ones. (UK)

  5. Studying the place of technology to lower financial barriers for dietary change.

    Science.gov (United States)

    Siek, K A; Maitland, J

    2010-01-01

    Current dietary self-monitoring systems assume users have access to healthy foods and resources to effectively implement and monitor dietary behavioral change. The purpose of this qualitative study is to understand the specific financial-related barriers that caregivers of low socioeconomic status encounter when attempting to make dietary behavior change. In this qualitative study, we conducted a focus group and 14 in-person interviews with the primary caregivers of low socioeconomic families. Participants were recruited from a community considered to be 'at risk' through high levels of exposure to multiple modifiable risk factors for cardiovascular disease. All participants were English-speaking caregivers, who had children under eight years old. The families lived in an urban, public housing community. The focus group and interviews were transcribed and coded during data analysis sessions, then analyzed for emergent themes. We abstracted three main themes from the data. The caregivers of 17 families: 1) feared trying healthier food alternatives because of possibly wasting the food; 2) planned meals only when they had enough time, space, and financial security; and 3) defined produce as luxury items and often could only afford staple food items, such as meat and grains. We challenge the community to design technological interventions to lower the financial barriers presented with existing information and communication technology available to low socioeconomic populations. In addition, we encourage interventions to foster a community's social capital to decrease feelings of isolation and increase opportunities for cooperation.

  6. The Ability to Assimilate Technology as a Source of Competitive Advantage of Financial Companies in Poland

    Directory of Open Access Journals (Sweden)

    Glabiszewski Waldemar

    2016-12-01

    Full Text Available This article is empirical in nature and attempts to assess the impact of ability to assimilate newly acquired technologies by financial companies operating in Poland gaining market competitive advantages. The outcome of the research conducted proved the existence of this relationship and found it be strong. This means that the development of these abilities within the absorptive potential of financial companies should trigger a significant increase in the market competitive advantages held by them. The strong impact was identified both in the total of the analyzed personnel and general-organizational components of the assimilation abilities. As regards elementary components of the analyzed potential, the obtained results are definitely more diverse.

  7. 77 FR 18826 - Agency Information Collection Activities; Proposed Collection; Comment Request; Financial...

    Science.gov (United States)

    2012-03-28

    ... financial information to the sponsors of marketing applications. Under Sec. 54.4(a) (21 CFR 54.4(a... DEPARTMENT OF HEALTH AND HUMAN SERVICES Food and Drug Administration [Docket No. FDA-2012-N-0280] Agency Information Collection Activities; Proposed Collection; Comment Request; Financial Disclosure by...

  8. 77 FR 39343 - Agency Information Collection (Financial Status Report) Activities Under OMB Review

    Science.gov (United States)

    2012-07-02

    ... (Financial Status Report) Activities Under OMB Review AGENCY: Office of Management, Department of Veterans....'' SUPPLEMENTARY INFORMATION: Title: Financial Status Report, VA Form 5655. OMB Control Number: 2900-0165. Type of Review: Extension of a currently approved collection. Abstract: Claimants complete VA Form 5655 to report...

  9. Financial Motivation Undermines Maintenance in an Intensive Diet and Activity Intervention

    Science.gov (United States)

    Moller, Arlen C.; McFadden, H. Gene; Hedeker, Donald; Spring, Bonnie

    2012-01-01

    Financial incentives are widely used in health behavior interventions. However, self-determination theory posits that emphasizing financial incentives can have negative consequences if experienced as controlling. Feeling controlled into performing a behavior tends to reduce enjoyment and undermine maintenance after financial contingencies are removed (the undermining effect). We assessed participants' context-specific financial motivation to participate in the Make Better Choices trial—a trial testing four different strategies for improving four health risk behaviors: low fruit and vegetable intake, high saturated fat intake, low physical activity, and high sedentary screen time. The primary outcome was overall healthy lifestyle change; weight loss was a secondary outcome. Financial incentives were contingent upon meeting behavior goals for 3 weeks and became contingent upon merely providing data during the 4.5-month maintenance period. Financial motivation for participation was assessed at baseline using a 7-item scale (α = .97). Across conditions, a main effect of financial motivation predicted a steeper rate of weight regained during the maintenance period, t(165) = 2.15, P = .04. Furthermore, financial motivation and gender interacted significantly in predicting maintenance of healthy diet and activity changes, t(160) = 2.42, P = .016, such that financial motivation had a more deleterious influence among men. Implications for practice and future research on incentivized lifestyle and weight interventions are discussed. PMID:22548152

  10. Financial Motivation Undermines Maintenance in an Intensive Diet and Activity Intervention

    Directory of Open Access Journals (Sweden)

    Arlen C. Moller

    2012-01-01

    Full Text Available Financial incentives are widely used in health behavior interventions. However, self-determination theory posits that emphasizing financial incentives can have negative consequences if experienced as controlling. Feeling controlled into performing a behavior tends to reduce enjoyment and undermine maintenance after financial contingencies are removed (the undermining effect. We assessed participants’ context-specific financial motivation to participate in the Make Better Choices trial—a trial testing four different strategies for improving four health risk behaviors: low fruit and vegetable intake, high saturated fat intake, low physical activity, and high sedentary screen time. The primary outcome was overall healthy lifestyle change; weight loss was a secondary outcome. Financial incentives were contingent upon meeting behavior goals for 3 weeks and became contingent upon merely providing data during the 4.5-month maintenance period. Financial motivation for participation was assessed at baseline using a 7-item scale (=.97. Across conditions, a main effect of financial motivation predicted a steeper rate of weight regained during the maintenance period, (165=2.15, =.04. Furthermore, financial motivation and gender interacted significantly in predicting maintenance of healthy diet and activity changes, (160=2.42, =.016, such that financial motivation had a more deleterious influence among men. Implications for practice and future research on incentivized lifestyle and weight interventions are discussed.

  11. 12 CFR 1501.1 - How do you request the Secretary to determine that an activity is financial in nature or...

    Science.gov (United States)

    2010-01-01

    ... that an activity is financial in nature or incidental to a financial activity? 1501.1 Section 1501.1... you request the Secretary to determine that an activity is financial in nature or incidental to a financial activity? (a) Requests regarding activities that may be financial in nature or incidental to a...

  12. The impact of technological improvements on developing financial markets: The case of the Johannesburg Stock Exchange

    Directory of Open Access Journals (Sweden)

    Mehmet F. Dicle

    2013-07-01

    Full Text Available Can a significant technological improvement make an economically justifiable contribution to a financial market's development? The Johannesburg Stock Exchange (JSE incorporated the SETS system from the London Stock Exchange in 2002. It is certain that SETS is a technologically efficient trading system, and it would undoubtedly improve trading in the JSE. We test whether SETS represents a structural break by examining whether there was an increase in the JSE's liquidity, market efficiency and international integration after the introduction of SETS. While SETS is certainly a technological improvement with increased liquidity, it is not a sufficient factor to render it efficient. After the incorporation of SETS, the JSE has become more independent and it now offers better diversification opportunities for international investors.

  13. Lasers. Technology Learning Activity. Teacher Edition. Technology Education Series.

    Science.gov (United States)

    Oklahoma State Dept. of Vocational and Technical Education, Stillwater. Curriculum and Instructional Materials Center.

    This document contains the materials required for presenting an 8-day competency-based technology learning activity (TLA) designed to introduce students in grades 6-10 to advances and career opportunities in the field of laser technology. The guide uses a series of hands-on exploratory experiences into which activities to help students develop…

  14. Financial motivation undermines potential enjoyment in an intensive diet and activity intervention.

    Science.gov (United States)

    Moller, Arlen C; Buscemi, Joanna; McFadden, H Gene; Hedeker, Donald; Spring, Bonnie

    2014-10-01

    The use of material incentives in healthy lifestyle interventions is becoming widespread. However, self-determination theory (SDT) posits that when material incentives are perceived as controlling, they undermine intrinsic motivation. We analyzed data from the Make Better Choices trial-a trial testing strategies for improving four risk behaviors: low fruit-vegetable intake, high saturated fat intake, low physical activity, and high sedentary activity. At baseline, participants reported the degree to which financial incentives were an important motivator (financial motivation); self-reported enjoyment of each behavior was assessed before and after the 3-week incentivization phase. Consistent with SDT, after controlling for general motivation and group assignment, lower financial motivation predicted more adaptive changes in enjoyment. Whereas participants low in financial motivation experienced adaptive changes, adaptive changes were suppressed among those high in financial motivation.

  15. Financial motivation undermines potential enjoyment in an intensive diet and activity intervention

    Science.gov (United States)

    Moller, Arlen C.; Buscemi, Joanna; McFadden, H. Gene; Hedeker, Donald; Spring, Bonnie

    2013-01-01

    The use of material incentives in healthy lifestyle interventions is becoming widespread. However, self-determination theory (SDT) posits that when material incentives are perceived as controlling, they undermine intrinsic motivation. We analyzed data from the Make Better Choices trial—a trial testing strategies for improving four risk behaviors: low fruit–vegetable intake, high saturated fat intake, low physical activity, and high sedentary activity. At baseline, participants reported the degree to which financial incentives were an important motivator (financial motivation); self-reported enjoyment of each behavior was assessed before and after the 3-week incentivization phase. Consistent with SDT, after controlling for general motivation and group assignment, lower financial motivation predicted more adaptive changes in enjoyment. Whereas participants low in financial motivation experienced adaptive changes, adaptive changes were suppressed among those high in financial motivation. PMID:24142187

  16. FINANCIAL DISCIPLINE IN REPUBLIC MACEDONIAWAY OF MORE EFFICIENT MODE FOR ENTERPRISES’ ACTIVITIES

    Directory of Open Access Journals (Sweden)

    EMILIJA MATESKA

    2015-04-01

    Full Text Available The severe economic crisis that occupied the world economy can be felt in the Republic of Macedonia, too. The low solvency and the decreased buying faculties of the population and firms are a major problem in the economics in general. A great capability and power is necessary in order to survive in these difficult economic conditions, as well as a constant alertness by the firms as instigators of the economic activity in every country. Enitieis in the Economy are realizing different tipes of transactions making financial obligations that, ussualy can not be fullfiled. As a result there is a problem with financial recovery that disrupts their liquidity, and at the end point, their activity in the economy is worsens. Because of that, the Law for Financial Discipline was voted, for the first time in Republic of Macedonia in December 2013. This Law is regulation for payments on time for all financial activities made between private entities, also for financial activities made between entities among public and private sector preventing failure of the financial obligations on agreed terms. In this article we would like to determine the reasons and needs for finding the way which will be regulatory instead of punishment for successful financial discipline of the entities, that will improve their liquidity and, of course, to ensure better activities in the economy as a whole.

  17. Analysis of the financial and economic activity agroturism

    OpenAIRE

    Godja (Dănilă), Daniela Ileana

    2016-01-01

    This study presents the efficiency of tourism enterprises in the market economy, which is the essential condition of its existence. For this reason, economic and financial situation of the company is the basis of tourism taking all decisions and actions that commits additional expenses. Businesses in rural areas need to face some unique conditions that are not in urban areas. For this reason a need expanding business in rural tourism which is the result of creating favorable conditions for ha...

  18. Emerging FinTech market: types and features of new financial technologies

    OpenAIRE

    Ryabova, A. V.; Рябова, А. В.

    2015-01-01

    FinTech is a new and very ambitious tendency. P2P-crediting, E-wallets, Bitcoins, mPOS-acquiring, T-commerce, mobile banks - all of them refer to financial technologies that are changing our life. People can obtain any credits through special services on the Internet from other users without participation of banks, pay by credit card with mobile devices, and get information about expenses and incomes according to the card anywhere in the world. Users do not need to go to banks anymore and to ...

  19. A systematic review of financial incentives for physical activity: The effects on physical activity and related outcomes

    OpenAIRE

    Barte, J.C.M.; Wendel-Vos, G.C.W.

    2017-01-01

    The aim of this review is to give an overview of the available evidence on the effects of financial incentives to stimulate physical activity. Therefore, a systematic literature search was performed for randomized trials that investigate the effects of physical-activity-related financial incentives for individuals. Twelve studies with unconditional incentives (eg, free membership sport facility) and conditional incentives (ie, rewards for reaching physical-activity goals) related to physical ...

  20. Organisational and Methodical Grounds of Financial Monitoring of Business Activity of an Enterprise

    Directory of Open Access Journals (Sweden)

    Sydorenko-Melnyk Ganna M.

    2013-11-01

    Full Text Available The article analyses organisational and methodical grounds of financial monitoring of business activity of an enterprise, which is presented as a complex of measures of organisational, methodical and managerial nature. It justifies urgency and practical significance of introduction of the system of financial monitoring as a basic element of the system of financial management of business activity under modern economic conditions. It considers the essence and purpose of financial monitoring of business activity, presents its principles and formulates tasks. It offers methodical provision of the process of monitoring focusing on the study of essential characteristics of business activity of an enterprise. It states that introduction of the financial monitoring of business activity allows understanding of the state of an object or situation, identification of the reason of the detected deviations from the planned (forecasted results and establishment of a base for development of applied recommendations on a relevant adjustment, which results in increase of efficiency of the financial and economic activity of an enterprise and availability of prerequisites of sustainable development.

  1. INDICATOR SYSTEM FOR MEASUREMENT OF FINANCIAL AND ECONOMIC ACTIVITIES IN PUBLIC INSTITUTIONS

    Directory of Open Access Journals (Sweden)

    Valeriy Dudnyk

    2015-11-01

    Full Text Available The object of the work is study of methods for analyzing the current financial and economic performance of a company as well as the usage of existing methods for the assessment of the company in the current and future periods. Analysis of financial and economic performance provides not only assessment of the current situation of a company, but a projection of its future behavior. Thus, the results can be used for planning and prediction. Different ways of handling of economic information are currently used in activity analysis to study the factors influencing the performance of a company and to account its reserves. An objective assessment of the financial and economic situation of the modern enterprise is the crucial part of justified decision-making. It forms the basis for determining the development strategy and acts as one of the key indicators for investors and creditors. Tracking and evaluating the effectiveness of a company requires above all comprehensive assessment of its financial and economic activities, monitoring the implementation of decisions, and identification of reserves for improvement. The process of activity analysis requires generalization of models which allow using their results both as a guide for future development of the economic system as well as a base for comparison and evaluation of the present state of the company. This enables justified decision making in particular situations and clarifies usage of existing methods for assessment of the company in the current and future periods. Results. Financial and economic activities of a company require comprehensive analysis, which may be carried out in the following steps: formulating and analyzing business objectives of the company, forming the information basis, constructing a comparison table, analyzing the data, producing a comprehensive rating score of the financial and economic situation of the company. Comprehensive rating score should take into account all

  2. Climatic change, technological, financial and commercial flows : new directions in input-output analysis

    International Nuclear Information System (INIS)

    Cloutier, L.M.; DeBresson, C.; Dietzenbacher, E.

    2004-01-01

    This book presents the recent work of prominent economists who used the latest input-output analysis techniques to examine complex and interdependent problems such as global warming, climate change and greenhouse gas reduction. It proposes solutions to Solow's Paradox regarding information and communication technologies and examines the role of technological and financial flows. It also proposes theoretical applications for use in Quebec and Canada. The work of young economists who participated at the Leontief International Input-Output Association was also presented. The book is mainly intended for analysts of economic policies and for young researchers looking for advanced input-output analysis techniques. It offers a useful, realistic and systematic analysis of various issues facing contemporary companies. refs., tabs., figs

  3. Financial incentives, quality improvement programs, and the adoption of clinical information technology.

    Science.gov (United States)

    Robinson, James C; Casalino, Lawrence P; Gillies, Robin R; Rittenhouse, Diane R; Shortell, Stephen S; Fernandes-Taylor, Sara

    2009-04-01

    Physician use of clinical information technology (CIT) is important for the management of chronic illness, but has lagged behind expectations. We studied the role of health insurers' financial incentives (including pay-for-performance) and quality improvement initiatives in accelerating adoption of CIT in large physician practices. National survey of all medical groups and independent practice association (IPA) physician organizations with 20 or more physicians in the United States in 2006 to 2007. The response rate was 60.3%. Use of 19 CIT capabilities was measured. Multivariate statistical analysis of financial and organizational factors associated with adoption and use of CIT. Use of information technology varied across physician organizations, including electronic access to laboratory test results (medical groups, 49.3%; IPAs, 19.6%), alerts for potential drug interactions (medical groups, 33.9%; IPAs, 9.5%), electronic drug prescribing (medical groups, 41.9%; IPAs, 25.1%), and physician use of e-mail with patients (medical groups, 34.2%; IPAs, 29.1%). Adoption of CIT was stronger for physician organizations evaluated by external entities for pay-for-performance and public reporting purposes (P = 0.042) and for those participating in quality improvement initiatives (P < 0.001). External incentives and participation in quality improvement initiatives are associated with greater use of CIT by large physician practices.

  4. 12 CFR 225.88 - How to request the Board to determine that an activity is financial in nature or incidental to a...

    Science.gov (United States)

    2010-01-01

    ... activity is financial in nature or incidental to a financial activity? 225.88 Section 225.88 Banks and... COMPANIES AND CHANGE IN BANK CONTROL (REGULATION Y) Regulations Financial Holding Companies § 225.88 How to request the Board to determine that an activity is financial in nature or incidental to a financial...

  5. Financial optimisation and risk management in refining activities

    International Nuclear Information System (INIS)

    Fiorenzani, S.

    2006-01-01

    The real options approach has become a benchmark in real assets evaluation and optimal management problems, especially in liberalised and competitive markets such as the oil and hydrocarbon markets. This paper describes how the same approach can be a useful tool for both risk management decisions and the financial optimisation problem. Refineries are black boxes, which can be used for the transformation of crude oil into more refined hydrocarbon products. These black boxes are characterised by operational flexibilities and constraints, which should be optimally managed in order to maximise the refiner's economic goals. Stochastic dynamic programming represents the right mathematical instrument employed to solve the decision-making problem in such an economic environment. (author)

  6. The Entrepreneur`s Role in the Performance Growth of the Financial Audit Activity in Romania

    Directory of Open Access Journals (Sweden)

    Cristina Raluca Popescu

    2015-02-01

    Full Text Available For the study of entrepreneurship, a cornerstone of modern competitive economy, perhaps there is no liberal profession better suited to be analysed than the financial audit. The financial auditor is meant to be an entrepreneur, to take his destiny into his own hands, because, in order to be independent, a demand induced by the ethical code provides that he cannot work as an employee of his services’ users. This paper proposes a research for identifying and presenting the entrepreneur’s role in the performance growth in the financial audit. The main objective of the conducted research is to present an overview of the entrepreneurship environment, to identify opportunities and challenges faced by the entrepreneur involved in the financial auditing of the level of development reached by the auditing market in Romania, by analysing representative statistical indicators in the market development and financial management of the audit activity. The proposed research methodology focuses on the collection, processing and analysis of statistical data on entrepreneurship of financial audit activity, based on official data published by the Chamber of Financial Auditors of Romania (CAFR, and on the identification of the main factors leading to the development of supply and demand of financial auditing and of the shortcomings the financial audit contractor involved in his own surveys is facing. Being a fairly new regulated profession, I had the privilege to analyse the developments in the entrepreneurship activity of the financial audit market for the entire period of existence: 1999-2013, showing the dynamic structure of supply and demand of financial auditing, the development and characteristics of the business environment during the period under review, the specificity of the financial audit entrepreneurship and I could outline a sketch of the entrepreneur involved in the financial audit activity. The research results show that the number of financial

  7. Towards the development of consistent and unambiguous financial accounting standards using ontology technologies

    CSIR Research Space (South Africa)

    Gerber, MC

    2011-11-01

    Full Text Available The purpose of accounting is to gather financial data of a business or entity, to interpret this data and to report the results in financial statements to the different users thereof. The interpretation of financial data is regulated by financial...

  8. Financial guarantee for decommissioning and nuclear waste management activities at OPG

    International Nuclear Information System (INIS)

    Van den Hengel, J.

    2006-01-01

    This paper provides an overview on the establishment and maintenance of a financial guarantee for decommissioning and nuclear waste management activities at Ontario Power Generation (OPG) in accordance with CNSC requirements. The process and timelines are documented leading to the establishment of the guarantee effective July 31, 2003. Reference plans, cost estimates, funding mechanisms and reporting mechanisms are summarized. The renewal process projected at the end of the 5-year initial financial guarantee period is also included. (author)

  9. On the application of semantic technologies to the domain of forensic investigations in financial crimes

    Science.gov (United States)

    Scheidat, Tobias; Merkel, Ronny; Krummel, Volker; Gerlach, Andreas; Weisensee, Michala; Zeihe, Jana; Dittmann, Jana

    2017-10-01

    In daily police practice, forensic investigation of criminal cases is mainly based on manual work and the experience of individual forensic experts, using basic storage and data processing technologies. However, an individual criminal case does not only consist of the actual offence, but also of a variety of different aspects involved. For example, in order to solve a financial criminal case, an investigator has to find interrelations between different case entities as well as to other cases. The required information about these different entities is often stored in various databases and mostly requires to be manually requested and processed by forensic investigators. We propose the application of semantic technologies to the domain of forensic investigations at the example of financial crimes. Such combination allows for modelling specific case entities and their interrelations within and between cases. As a result, an explorative search of connections between case entities in the scope of an investigation as well as an automated derivation of conclusions from an established fact base is enabled. The proposed model is presented in the form of a crime field ontology, based on different types of knowledge obtained from three individual sources: open source intelligence, forensic investigators and captive interviews of detained criminals. The modelled crime field ontology is illustrated at two examples using the well known crime type of explosive attack on ATM and the potentially upcoming crime type data theft by NFC crowd skimming. Of these criminal modi operandi, anonymized fictional are modelled, visualized and exploratively searched. Modelled case entities include modi operandi, events, actors, resources, exploited weaknesses as well as flows of money, data and know how. The potential exploration of interrelations between the different case entities of such examples is illustrated in the scope of a fictitious investigation, highlighting the potential of the

  10. The financial assurance of obliteration of mining activity consequences

    OpenAIRE

    Jaroslav Dvořáček

    2004-01-01

    The contribution deals with the financing of the obliteration of the mining activity consequences process which is considered as the general problem of mining industry connected with the mining activity completion. It deals with the existing law solution of this sphere in the Czech Republic and the changes expected. The procedures of the resources ensuring for the mining activity consequences obliteration used in abroad are mentioned here.

  11. 78 FR 34711 - Definition of “Predominantly Engaged in Activities That Are Financial in Nature or Incidental...

    Science.gov (United States)

    2013-06-10

    ... transactions or actions may not be reflected in the year-end consolidated financial statements of the company... whether a company is a financial company under [Title II], the consolidated revenues derived from the... circumstances, the FDIC determines that the consolidated revenues of the company from financial activities...

  12. Mistaken identity: activating conservative political identities induces "conservative" financial decisions.

    Science.gov (United States)

    Morris, Michael W; Carranza, Erica; Fox, Craig R

    2008-11-01

    Four studies investigated whether activating a social identity can lead group members to choose options that are labeled in words associated with that identity. When political identities were made salient, Republicans (but not Democrats) became more likely to choose the gamble or investment option labeled "conservative." This shift did not occur in a condition in which the same options were unlabeled. Thus, the mechanism underlying the effect appears to be not activated identity-related values prioritizing low risk, but rather activated identity-related language (the group label "conservative"). Indeed, when political identities were salient, Republicans favored options labeled "conservative" regardless of whether the options were low or high risk. Finally, requiring participants to explain the label "conservative" before making their choice did not diminish the effect, which suggests that it does not merely reflect inattention to content or construct accessibility. We discuss the implications of these results for the literatures on identity, priming, choice, politics, and marketing.

  13. Microfinance: Diagnosis of the micro-business, medium-sized business and its financial technology

    Directory of Open Access Journals (Sweden)

    Emerson Toledo Concha

    2009-12-01

    Full Text Available This research work shows how the financing for micro and small businesses in Peru has increased and has greatlyexpanded in the last few years, not only in institutions specialized in this field, focused their efforts in giving financialservices to businesspeople of micro and medium-sized business, but most of the so-called traditional banks havefocused their attention to this emerging sector using the know-how of microfinance lending technology, banking seekto work with people of low income sectors, that were not subject for credit opportunities to develop their business andas a consequence not able to improve their quality of life .Throughout this investigation, we make a diagnosis of macro and micro environment of the microfinance field, itsdevelopment and expectations for a strong presence in the Peruvian financial market. We consider the development oflending technology, where the analysis of the ability and willingness to pay are the fundamental basis for the evaluationof credits in specialized companies in this sector.

  14. The influence of financial market development on investment activities in a developing country

    Directory of Open Access Journals (Sweden)

    Shirley Malope

    2017-09-01

    Full Text Available Financial markets are considered developed if there is improvement in the size, activity, efficiency and stability of the financial system. The study looked at how financial development based on debt, stock, money and foreign markets affect investment. The Johansen cointegration and Vector Error Correction Model (VECM were used to estimate the short and long run relationship and test for the speed of adjustment. Granger causality test informed about direction of causality, variance decompositions and impulse response indicated effects of shocks. The Johansen cointegration test showed that the variables have a long run relationship. VECM showed that the speed of adjustment is about 13%, which means that variables will converge to equilibrium relatively quickly. The impulse response function indicated that financial market development indicators have short-run effects on investment in the first quarters after the initial shocks. Variance decomposition also indicated that specifically government bonds had greater effect in predicting future investments. The policy implications of these findings are for government to place greater priority on government bonds as its effect on investment is greater than other financial development proxies. Policies should focus on allowing greater risk diversification and improving the independence of the financial sector from government interference

  15. The Effect of Corporate Citizenship Activities (CCAS on Financial Performance and Market Performance: The Omani Experience

    Directory of Open Access Journals (Sweden)

    Shaker Al Ani Mawih K.

    2015-04-01

    Full Text Available The main objective of this study is to investigate and analyze the effects of corporate citizenship activities on the financial performance and market performance of Omani manufacturing companies in the Sultanate of Oman for the period 2009-2013. The Financial performance of companies is measured by two independent variables: return on assets (ROA and return on equity (ROE. Market performance is measured by the fair market value of shares (FMV. CCAs are determined by the voluntary disclosures of corporate citizenship activities by the companies. The study concludes that there is a positive impact by CCAs on the financial and market performance of the Omani companies that leads to profit maximization.

  16. Technology transfer and technological learning through CERN's procurement activity

    CERN Document Server

    Autio, Erkko; Hameri, Ari-Pekka; CERN. Geneva

    2003-01-01

    This report analyses the technological learning and innovation benefits derived from CERN's procurement activity during the period 1997-2001. The base population of our study, the technology-intensive suppliers to CERN, consisted of 629 companies out of 6806 companies during the same period, representing 1197 MCHF in procurement. The main findings from the study can be summarized as follows: the various learning and innovation benefits (e.g., technological learning, organizational capability development, market learning) tend to occur together. Learning and innovation benefits appear to be regulated by the quality of the supplier's relationship with CERN: the greater the amount of social capital built into the relationship, the greater the learning and innovation benefits. Regardless of relationship quality, virtually all suppliers derived significant marketing reference benefits from CERN. Many corollary benefits are associated with procurement activity. As an example, as many as 38% of the respondents devel...

  17. Physical activity in relation to selected physical health components in employees of a financial institution

    OpenAIRE

    Smit, Madelein; Wilders, Cilas J.; Moss, S.J.

    2013-01-01

    The aim of this study was to determine the relation between physical activity and selected physical health components. A total of 9860 employees of a financial institution in South Africa, between the ages 18 and 64 (x̄ =35.3 ± 18.6 years), voluntary participated in the study. Health risk factors and physical activity was determined by using the Health Risk Assessment (HRA) and Monitored Health Risk (MHM). Assessment included a physical activity, diabetes risk and cardiovascular risk question...

  18. The impact of financial incentives on physical activity in adults: a systematic review protocol.

    Science.gov (United States)

    Luong, My-Linh Nguyen; Bennell, Kim L; Hall, Michelle; Harris, Anthony; Hinman, Rana S

    2018-01-25

    Most adults fail to meet global physical activity guidelines set out by the World Health Organization. In recent years, behavioural economic principles have been used to design novel interventions that increase physical activity. Immediate financial rewards, for instance, can motivate an individual to change physical activity behaviour by lowering the opportunity costs of exercise. This systematic review will summarise the evidence about the effectiveness of financial incentive interventions for improving physical activity in adults. We will search MEDLINE, Embase, Cochrane Central Register of Controlled Trials, the Cumulative Index to Nursing and Allied Health Literature, Web of Science, Scopus, PsycINFO, EconLit, SPORTDiscus, the National Health Service Economic Evaluation Database, ClinicalTrials.gov and the World Health Organization International Clinical Trials Registry Platform from inception using a comprehensive, electronic search strategy. The search strategy will include terms related to 'financial incentive' and 'physical activity'. Only randomised controlled trials that investigate the effect of financial incentives on physical activity in adult populations and that are written in the English language will be included. Two review authors will independently screen abstracts and titles, complete full text reviews and extract data on objective and self-reported physical activity outcomes. The authors will also assess the study quality using the Cochrane risk of bias tool and provide a systematic presentation and synthesis of the included studies' characteristics and results. If more than two studies are sufficiently similar in population, settings and interventions, we will pool the data to conduct a meta-analysis. If we are unable to perform a meta-analysis, we will conduct a narrative synthesis of the results and produce forest plots for individual studies. Our subgroup analyses will examine the differential effects of an intervention in healthy

  19. Active Choice and Financial Incentives to Increase Rates of Screening Colonoscopy-A Randomized Controlled Trial.

    Science.gov (United States)

    Mehta, Shivan J; Feingold, Jordyn; Vandertuyn, Matthew; Niewood, Tess; Cox, Catherine; Doubeni, Chyke A; Volpp, Kevin G; Asch, David A

    2017-11-01

    Behavioral economic approaches could increase uptake for colorectal cancer screening. We performed a randomized controlled trial of 2245 employees to determine whether an email containing a phone number for scheduling (control), an email with the active choice to opt in or opt out (active choice), or the active choice email plus a $100 incentive (financial incentive) increased colonoscopy completion within 3 months. Higher proportions of participants in the financial incentive group underwent screening (3.7%) than in the control (1.6%) or active choice groups (1.5%) (P = .01 and P < .01). We found no difference in uptake of screening between the active choice and control groups (P = .88). The $100 conditional incentive modestly but significantly increased colonoscopy use. ClinicalTrials.gov no: NCT02660671. Copyright © 2017 AGA Institute. Published by Elsevier Inc. All rights reserved.

  20. 75 FR 76677 - Financial Crimes Enforcement Network: Anti-Money Laundering Program and Suspicious Activity...

    Science.gov (United States)

    2010-12-09

    ...: Anti-Money Laundering Program and Suspicious Activity Report Filing Requirements for Residential... loan or finance companies for the purpose of requiring them to establish anti-money laundering programs...-money laundering program requirements on financial institutions.\\3\\ The authority of the Secretary to...

  1. Technologic spin-off from CNEA's activities

    International Nuclear Information System (INIS)

    Belinco, Cesar G.

    2001-01-01

    An analysis is made of the spin-off of technology from the nuclear activities in Argentina. Several examples are mentioned in fields such as material sciences, non-destructive testing, forensic research, space activities, instrumentation as well as in environmental studies

  2. Managing future financial liabilities arising from nuclear activities: the experience of Electricite de France

    International Nuclear Information System (INIS)

    Boudier, J.-M.

    1995-01-01

    Financial liabilities related to nuclear activities are no more the open field that they may have once been, even though there are still questions waiting for definite answers. In most cases, technical solutions not only have been developed in laboratories, but have been implemented at industrial stage. Therefore, reliable cost evaluations can be achieved which allow charging realistically current customers for future expenses. Another fact is that whatever the size of the amount involved, they remain a manageable challenge for power companies with regards to their financial capacity. However, securing such large amounts over decades makes necessary the existence of a strong institutional environment. (author)

  3. The effect of financial constraints, technological progress and long-term contracts on tradable green certificates

    International Nuclear Information System (INIS)

    Agnolucci, Paolo

    2007-01-01

    Tradable green certificates (TGCs) have recently become a diffuse instrument to support renewable electricity in OECD countries. Although it is perhaps too early to draw a conclusive judgement on the effectiveness of this instrument in increasing renewable capacity and decreasing the price of certificates, one view in the literature maintains that long-term contracts are of particular importance for TGCs to be effective. This paper contributes to this debate by analysing how financial constraints and technological progress can induce investors to hold pessimistic expectations of their ability to sell green certificates and still make a profit. Clearly, these expectations will prevent investors from building new capacity to fulfil the quota comprised in TGCs and will keep the price of certificates traded in the market high. As this kind of expectation is not influenced by most design features of TGCs, one can conclude that long-term contracts are particularly important in determining the effectiveness and cost-effectiveness of these instruments. Some attention should therefore be paid to the features of the TGCs, which induce obliged parties to offer long-term contracts to renewable generators. (author)

  4. The financial impact of robotic technology for partial and radical nephrectomy.

    Science.gov (United States)

    Kates, Max; Ball, Mark W; Patel, Hiten D; Gorin, Michael A; Pierorazio, Phillip M; Allaf, Mohamad E

    2015-03-01

    We sought to evaluate the financial impact of robotic technology for partial nephrectomy (PN) and radical nephrectomy (RN) in the state of Maryland. The Maryland Health Services Cost Review Commission (HSCRC) documents all acute care hospital charges data. This database was queried for patients who underwent laparoscopic or robot-assisted RN and PN from 2008 to 2012. Total hospital charge, subcharge, and length of stay (LOS) were analyzed separately for RN and PN. Overall, 2834 patients were identified. Of those, 282 were laparoscopic PN (LPN), 1078 robot-assisted PN (RPN), 1098 laparoscopic RN (LRN), and 376 robot-assisted RN (RRN). For PN, the total hospital charge was $19,062 for LPN and $18,255 for RPN (P=0.138), with a charge savings of $807 per case in favor of robotics. For RN, the total hospital charge was $23,391 for RRN and $18,280 for LRN (P=0.004), with a charge premium of $5111 for robotic cases. LOS was shorter for RPN compared with LPN (2.51 vs 2.99 days, Pfinancial implications of RRN use for routine cases warrants further study.

  5. Reducing the financial impact of pathogen inactivation technology for platelet components: our experience.

    Science.gov (United States)

    Girona-Llobera, Enrique; Jimenez-Marco, Teresa; Galmes-Trueba, Ana; Muncunill, Josep; Serret, Carmen; Serra, Neus; Sedeño, Matilde

    2014-01-01

    Pathogen inactivation (PI) technology for blood components enhances blood safety by inactivating viruses, bacteria, parasites, and white blood cells. Additionally, PI for platelet (PLT) components has the potential to extend PLT storage time from 5 to 7 days. A retrospective analysis was conducted into the percentage of outdated PLT components during the 3 years before and after the adoption of PLT PI technology in our institution. The PLT transfusion dose for both pre-PI and post-PI periods was similar. A retrospective analysis to study clinical safety and component utilization was also performed in the Balearic Islands University Hospital. As a result of PI implementation in our institution, the PLT production cost increased by 85.5%. However, due to the extension of PLT storage time, the percentage of outdated PLT units substantially decreased (-83.9%) and, consequently, the cost associated with outdated units (-69.8%). This decrease represented a 13.7% reduction of the initial cost increase which, together with the saving in blood transportation (0.1%), led to a saving of 13.8% over the initial cost. Therefore, the initial 85.5% increase in the cost of PLT production was markedly reduced to 71.7%. The mean number of PLT concentrates per patient was similar during both periods. The extension of PLT storage time can substantially contribute to reducing the financial impact of PI by decreasing the percentage of outdated PLTs while improving blood safety. Since the adoption of PI, there have been no documented cases of PLT transfusion-related sepsis in our region. © 2013 American Association of Blood Banks.

  6. Financial incentives to promote active travel: an evidence review and economic framework.

    Science.gov (United States)

    Martin, Adam; Suhrcke, Marc; Ogilvie, David

    2012-12-01

    Financial incentives, including taxes and subsidies, can be used to encourage behavior change. They are common in transport policy for tackling externalities associated with use of motor vehicles, and in public health for influencing alcohol consumption and smoking behaviors. Financial incentives also offer policymakers a compromise between "nudging," which may be insufficient for changing habitual behavior, and regulations that restrict individual choice. The literature review identified studies published between January 1997 and January 2012 of financial incentives relating to any mode of travel in which the impact on active travel, physical activity, or obesity levels was reported. It encompassed macroenvironmental schemes, such as gasoline taxes, and microenvironmental schemes, such as employer-subsidized bicycles. Five relevant reviews and 20 primary studies (of which nine were not included in the reviews) were identified. The results show that more-robust evidence is required if policymakers are to maximize the health impact of fiscal policy relating to transport schemes of this kind. Drawing on a literature review and insights from the SLOTH (sleep, leisure, occupation, transportation, and home-based activities) time-budget model, this paper argues that financial incentives may have a larger role in promoting walking and cycling than is acknowledged generally. Copyright © 2012 American Journal of Preventive Medicine. Published by Elsevier Inc. All rights reserved.

  7. A FINANCIAL AND ECONOMIC ACTIVITIES EFFECTIVENESS EVALUATION AS A CONDITION OF CORPORATE MANAGEMENT DECISIONS MAKING

    Directory of Open Access Journals (Sweden)

    Nataliia Bieliaieva

    2017-09-01

    Full Text Available The purpose of the paper is to substantiate, on the real figures, the need for enterprise’s financial and economic activities analysis as a condition of management decisions making to achieve the success of the company. Methodology. The research is based on a comparison and analysis of data from the organization top management. So using matrix analysis in the paper, the financial and economic activities effectiveness is evaluated. Based on these calculations, it is possible to make conclusions about the necessity of an identified management decisions regarding the future activity of the company. Results. Daily managers of various function levels accept hundreds and thousands of decisions regarding seemingly slight problems of the organization in general. At the same time, every such a decision, especially relating to the activity of the whole structure, should be clearly justified. Such a need stems from the fact that every decision leads to certain consequences. If there is a need to make a decision relating to the future of the enterprise (e.g., embodiment, reorganization, etc., it should be based on the data of the entire structure. And that is generally very difficult to do. Many factors complicate the possibility of comprehensive evaluation of the company’s activity. At the same time, analysis of basic indicators will provide the specialist with some directions according to which the priority of the analysis can be indicated and appropriate management decision can be made. Practical implications. It is built an effectiveness matrix of financial and economic activities of the enterprise. Analysis of financial and economic activities makes it possible to design necessary strategic and tactical plan for the enterprise development, revealing its reserves of production efficiency increasing. So the aim of the paper is the assessment of the effectiveness of financial and economic activities of the company on the base of matrix analysis as a

  8. The Normative Legal Regulation of Accounting Activities of Non-Bank Financial Institutions in Ensuring the Strategic Development of the Financial System of Ukraine

    Directory of Open Access Journals (Sweden)

    Prokopenko Zhanna V.

    2017-03-01

    Full Text Available The aim of the article is to study the normative legal regulation of accounting activities of non-bank financial institutions to ensure the strategic development of the financial system of Ukraine. There actualized the issue of examining the system of normative legal regulation in terms of: first, regulation of the market for non-bank financial services and their activities as an object of accounting; second, regulation of accounting and reporting as the basis of the impact on its organization, methodology; third, formation of requirements to the management of the institution concerning the qualification requirements to the chief accountant as a subject of organization and carrying out the accounting activities. In the course of the research, there developed a model for influencing the transformation of the organization and methodology of accounting, which will be implemented by establishing new requirements to its methods and objects as a result of changes in the normative legal acts and their impact on the systems of economic analysis and audit as components of corporate management of non-bank financial institutions. The proposed model determines the impact of the provisions of the integrated program for the development of the financial sector of Ukraine until 2020 in accounting in terms of methodology, specificity and composition of its objects. As a result of studying the set of documents that define the strategic provisions for the development of the market for non-bank financial services, there identified directions for the formation of new and transformation of the existing provisions of the normative legal regulation of the accounting system through its elements (methods, objects, subjects, study of its functions and justification of the significance in risk management. We believe that these provisions should be implemented by means of the development of organizational and methodological regulations for the accounting of non

  9. The ultrasound technology for modifying enzyme activity

    Directory of Open Access Journals (Sweden)

    Meliza Lindsay Rojas

    2016-01-01

    Full Text Available Enzymes are protein complexes compounds widely studied and used due to their ability to catalyze reactions. The food processing mainly a ims the inactivation of enzymes due to various undesirable effects. However, there are many processes that can be optimized by its catalytic activity. In this context, different technologies have been applied both to inactivate or to improve the enzymes ef ficiency. The Ultrasound technology emerges as an alternative mainly applied to achieve the enzyme inactivation. On the contrary, very few investigations show the ability of this technology under certain conditions to achieve the opposite effect (i.e. increase the catalytic activity of enzymes. The objective of this study was to correlate the ultrasonic energy delivered to the sample (J/mL with the residual enzymatic activity and explain the possible mechanisms which results in the enzymatic activation/in activation complex behavior. The activity of POD in coconut water was evaluated as a model. The enzymatic activity initially increased, followed by reduction with a trend to enzyme inactivation. This complex behavior is directly related to the applied ultr asonic energy and their direct mechanical effects on the product, as well as the effect in the enzymatic infinite intermediate states and its structural conformation changes. The obtained results are useful for both academic and industrial perspectives.

  10. MARKETING AND INNOVATION IN ENVIRONMENT BANKING FINANCIAL - REQUIREMENTS IN A KNOWLEDGE-BASED SOCIETY AND TECHNOLOGY

    Directory of Open Access Journals (Sweden)

    MIRCEA VALERIA ARINA

    2015-04-01

    Full Text Available In the context of knowledge-based economy and society has acquired a connotation marketing role vital for all fields. Evolution of social, cultural, political and economic, information, design and conduct of marketing activities contribute to increasing the efficiency of any institution. Evolution of marketing over time provoked the great researchers who have tried to define the concept of their views, but only surprising aspects of this vast and important field. The definitions are different as shown in the article approach, the essence is the same. In the banking and financial role of marketing is to continually improve the quality of customer services and products offered by formulating appropriate marketing strategies so as to be able to influence The consumer buying behavior. Customer focus, his loyalty and not least an innovative marketing that starts at the client key aspects FEATURES today. The emphasis on innovation and ingenuity in order to: create new banking services and products, ways to attract customers; loyalty of existing ones, defining marketing and communication strategies lead to appropriate strategies to maximize the results of innovative marketing campaigns. Referring to work in the banking environment we can say that innovation is the key to success BANK and are based on: product and service innovations, process innovations, organizational innovations, and not least of marketing innovations.

  11. TRADITIONAL ACTIVITY INDICATORS IN THE FUNCTION OF DETERMINATION OF MATERIAL MISSTATEMENT IN THE FINANCIAL STATEMENTS OF THE COMPANIES

    OpenAIRE

    Gabrić, Dragan Gabrić

    2017-01-01

    The financial statements of general purpose are important source of information for purpose of business decision-making. Therefore, it is important to present financial statements fairly and faithfully without material misstatement. The subject of this paper is to explore the impact of traditional indicators of activity on the determination of material misstatements in the financial statements. The main objective of this research is to create a model of an impact of the traditional indicators...

  12. The ultrasound technology for modifying enzyme activity

    Directory of Open Access Journals (Sweden)

    Meliza Lindsay

    2016-06-01

    Full Text Available Enzymes are protein complexes compounds widely studied and used due to their ability to catalyze reactions. The food processing mainly aims the inactivation of enzymes due to various undesirable effects. However, there are many processes that can be optimized by its catalytic activity. In this context, different technologies have been applied both to inactivate or to improve the enzymes efficiency. The Ultrasound technology emerges as an alternative mainly applied to achieve the enzyme inactivation. On the contrary, very few investigations show the ability of this technology under certain conditions to achieve the opposite effect (i.e. increase the catalytic activity of enzymes. The objective of this study was to correlate the ultrasonic energy delivered to the sample (J/mL with the residual enzymatic activity and explain the possible mechanisms which results in the enzymatic activation/inactivation complex behavior. The activity of POD in coconut water was evaluated as a model. The enzymatic activity initially increased, followed by reduction with a trend to enzyme inactivation. This complex behavior is directly related to the applied ultrasonic energy and their direct mechanical effects on the product, as well as the effect in the enzymatic infinite intermediate states and its structural conformation changes. The obtained results are useful for both academic and industrial perspectives.

  13. JPL CMOS Active Pixel Sensor Technology

    Science.gov (United States)

    Fossum, E. R.

    1995-01-01

    This paper will present the JPL-developed complementary metal- oxide-semiconductor (CMOS) active pixel sensor (APS) technology. The CMOS APS has achieved performance comparable to charge coupled devices, yet features ultra low power operation, random access readout, on-chip timing and control, and on-chip analog to digital conversion. Previously published open literature will be reviewed.

  14. Technology development activities supporting tank waste remediation

    International Nuclear Information System (INIS)

    Bonner, W.F.; Beeman, G.H.

    1994-06-01

    This document summarizes work being conducted under the U.S. Department of Energy's Office of Technology Development (EM-50) in support of the Tank Waste Remediation System (TWRS) Program. The specific work activities are organized by the following categories: safety, characterization, retrieval, barriers, pretreatment, low-level waste, and high-level waste. In most cases, the activities presented here were identified as supporting tank remediation by EM-50 integrated program or integrated demonstration lead staff and the selections were further refined by contractor staff. Data sheets were prepared from DOE-HQ guidance to the field issued in September 1993. Activities were included if a significant portion of the work described provides technology potentially needed by TWRS; consequently, not all parts of each description necessarily support tank remediation

  15. IFP Energies nouvelles - 2013 Activity Report. 2013 financial report. Innovating for energy

    International Nuclear Information System (INIS)

    2014-01-01

    access to an extremely high-quality technical environment, in terms of both facilities and testing resources. Against the backdrop of a rapidly changing energy sector, IFP School and IFP Training provide industry with the highly qualified personnel it requires to take up current and future technological, economic and environmental challenges. IFP School operates within an international environment and provides young graduate engineers with advanced postgraduate programs in the fields of energy, motor vehicles and the environment. Over 600 students from throughout the world graduate from IFP School each year. IFP Training, an IFPEN subsidiary, offers training programs to almost 15,000 employees from industry every year, securing their competitiveness. IFPEN has built up a unique body of knowledge as a result of several decades of research and scientific and industrial expertise. This extensive library of knowledge is made available to the widest possible audience with a view to informing and enriching collective and individual decisions regarding current and future energy and environmental issues. This document gathers both IFPEN's 2013 Activity report and financial report

  16. Effective development of the entities on the basis of forecasting of financial and economic activities

    Directory of Open Access Journals (Sweden)

    I. I. Shanin

    2017-01-01

    Full Text Available In article, the questions connected with approach on effective development of industrial enterprises on the example of the furniture entities are considered. Effective development of the entities is directed to cost reduction in case of production and implementation of products, for improvement of indicators of financial and economic activities. The research is conducted on the example of the furniture entities of the Voronezh region and Krasnodar Krai. Any entity constantly uses these or those resources connected with material, labor and finance costs. All resources, which are consumed during a certain production cycle, create a cost budget or the expense plan of the entity, which are the most important economic indicators of activities of any entity. Not always at the entities the attention is properly paid to forecasting of production expenses for a further stage of functioning. Most the entities will organize the activities in such a way that current plans pass from year to year, and at the same time the alternative ways directed to cost reduction in case of production and further sales of products aren't considered. Any entity needs forecasting and planning of costs for the following production stages, for the purposes of innovative development and effective functioning of productive activity of the entity. First, it is necessary for assessment of opportunities when financing productive activity and for further scheduling of expenses, directed to cost reduction and cost reallocation. Having analysed activities of the entities and having studied accounting (financial records, it is revealed that at the entities in 2015 in comparison with 2014, there was a decrease in outputs, but at the same time, the loss is observed. Based on the carried-out analysis, on the example of financial and economic activities of JSC GRAFSKOYE and JSC GKMF, conclusions are drawn, cost reduction allowances in case of production are revealed, and recommendations in

  17. ANALYSIS OF INTERCOMMUNICATION OF FINANCIAL RESULTS OF ACTIVITY AND INDEXES OF ESTIMATION OF THE FINANCIAL STATE OF A COMMERCIAL ORGANIZATION

    OpenAIRE

    Prudnikov A. G.; Zhurova O. I.

    2016-01-01

    The system of indicators characterizing the financial condition of a commercial organization, the major thing is profitability of its operations as the ratio of profit on sales and revenues, the ratio of profit before tax and the average annual value of total assets, the ratio of net profit and the average value of all assets, net income and average equity. Great practical importance for the efficient management of resources economic entity is marginal analysis, but it requires, in our opinio...

  18. The Effect of the 2007 Financial Crisis on the Information Technologies Sector: Application of Malmquist Productivity Index Method

    Directory of Open Access Journals (Sweden)

    Kenan Oğuzhan Oruç

    2015-06-01

    Full Text Available The purpose of this paper is to investigate the effect of the 2007 financial crisis on the productivity of information technologies sector by applying Malmquist Productivity Index method. In the research, 20 enterprises operating in the information technologies sector in the list of Fortune 500 and their 6 years data are taken between the periods of 2005-2010. In the method, short and long term liabilities and shareholders’ equity are used as inputs while total income and net profit are used as outputs. As a result, it is observed that productivity of information technologies sector decreased, each year in compare to previous year, respectively in 2007, 2008 and 2009 while it increased in 2005 and 2010. It is additionally observed that in those years when the productivity decreased, component of technical change also decreased while component of efficiency change increased.

  19. Goal clarity and financial planning activities as determinants of retirement savings contributions.

    Science.gov (United States)

    Stawski, Robert S; Hershey, Douglas A; Jacobs-Lawson, Joy M

    2007-01-01

    Retirement counselors, financial service professionals, and retirement intervention specialists routinely emphasize the importance of developing clear goals for the future; however, few empirical studies have focused on the benefits of retirement goal setting. In the present study, the extent to which goal clarity and financial planning activities predict retirement savings practices was examined among 100 working adults. Path analysis techniques were used to test two competing models, both of which were designed to predict savings contributions. Findings provide support for the model in which retirement goal clarity is a significant predictor of planning practices, and planning, in turn, predicts savings tendencies. Two demographic variables-income and age-were also revealed to be important elements of the model, with income accounting for roughly half of the explained variance in savings contributions. The results of this study have implications for the development of age-based models of planning, as well as implications for retirement counselors and financial planners who advise workers on long-term saving strategies.

  20. Guidance manual for conducting technology demonstration activities

    Energy Technology Data Exchange (ETDEWEB)

    Jolley, Robert L.; Morris, Michael I.; Singh, Suman P.N.

    1991-12-01

    This demonstration guidance manual has been prepared to assist Martin Marietta Energy Systems, Inc. (Energy Systems), staff in conducting demonstrations. It is prepared in checklist style to facilitate its use and assumes that Energy Systems personnel have project management responsibility. In addition to a detailed step-by-step listing of procedural considerations, a general checklist, logic flow diagram, and several examples of necessary plans are included to assist the user in developing an understanding of the many complex activities required to manage technology demonstrations. Demonstrations are pilot-scale applications of often innovative technologies to determine the commercial viability of the technologies to perform their designed function. Demonstrations are generally conducted on well-defined problems for which existing technologies or processes are less than satisfactory in terms of effectiveness, cost, and/or regulatory compliance. Critically important issues in demonstration management include, but are not limited to, such factors as communications with line and matrix management and with the US Department of Energy (DOE) and Energy Systems staff responsible for management oversight, budgetary and schedule requirements, regulatory compliance, and safety.

  1. Guidance manual for conducting technology demonstration activities

    International Nuclear Information System (INIS)

    Jolley, R.L.; Morris, M.I.; Singh, S.P.N.

    1991-12-01

    This demonstration guidance manual has been prepared to assist Martin Marietta Energy Systems, Inc. (Energy Systems), staff in conducting demonstrations. It is prepared in checklist style to facilitate its use and assumes that Energy Systems personnel have project management responsibility. In addition to a detailed step-by-step listing of procedural considerations, a general checklist, logic flow diagram, and several examples of necessary plans are included to assist the user in developing an understanding of the many complex activities required to manage technology demonstrations. Demonstrations are pilot-scale applications of often innovative technologies to determine the commercial viability of the technologies to perform their designed function. Demonstrations are generally conducted on well-defined problems for which existing technologies or processes are less than satisfactory in terms of effectiveness, cost, and/or regulatory compliance. Critically important issues in demonstration management include, but are not limited to, such factors as communications with line and matrix management and with the US Department of Energy (DOE) and Energy Systems staff responsible for management oversight, budgetary and schedule requirements, regulatory compliance, and safety

  2. Technology transfer in Activities Implemented Jointly (AIJ)

    Energy Technology Data Exchange (ETDEWEB)

    Usher, P.E.O. [United Nations Environment Programme (Cayman Islands)

    1998-08-01

    The agreed objective of the United Nations Framework Convention on Climate Change is to bring about early and significant reductions in greenhouse gas emissions. For many, the most attractive option for promoting this end is joint implementation. Indivisible from this is the transfer of current and innovative technology, though technology transfer is not conditional on joint implementation. The somewhat ad hoc nature of Activities Implemented Jointly (AIJ) and the failure to establish ground rules at the outset is considered. Common action can contribute to cost-effective mitigation of climate change through a sharing of the costs, benefits and risks of R and D, cross fertilisation of ideas among countries, economies of scale for new technologies, and clear signals to the international market. Potential problems include: the reluctance of national private industry to share proprietary information which might compromise competitiveness; premature convergence on technical standards that might inhibit the emergence of more developed technology; specific national circumstances which mean that solutions satisfactory to others are inappropriate in its case. This latter issue is of particular relevance to developing countries. AIJ needs to be approached in a systematic way taking into account lessons learned from evaluating the pilot phase if it is to be seen to be working effectively. (UK)

  3. Technological Innovation, R & D Activities and Innovation System Between Organizations

    Directory of Open Access Journals (Sweden)

    Jonas Pedro Fabris

    2015-08-01

    Full Text Available This theoretical paper aimed to explicit, through the rescue of theoretical assumptions, the innovation, the innovation system, and the research and development (R & D activities. The innovation, especially technological innovation, is now seen as essential in differentiation strategies, competitiveness and growth in a greater number of businesses. Innovation is not only the result of financial investments by companies. For it to exist, it is necessary the existence of innovative capacity that should be present at all stages of the innovation process, and a favorable institutional environment and, increasingly, of specific incentive policies. That is, there are internal and external factors to companies and other institutions involved in the process. Innovation systems were discovered to resolve the variations in the degree of competitiveness of different economies and, above all, in relation to the technological performance and the ability to innovate these economies face the growing importance of international markets for high-tech products. Thus, it was found that successful innovators are not successful just because of their personal qualities and actions but as a result of their interaction with research and innovation systems that inhabit the quality of such systems.

  4. 75 FR 61563 - Proposed Agency Information Collection Activities; Comment Request-Thrift Financial Report...

    Science.gov (United States)

    2010-10-05

    ... changes to the Thrift Financial Report (TFR), Schedule SC--Consolidated Statement of Condition, Schedule... present ``separately on the face of the statement of financial position: a. Assets of a consolidated... in an institution's consolidated financial statements. A number of financial institutions own captive...

  5. Economic assessment of solar and conventional biomass gasification technologies: Financial and policy implications under feedstock and product gas price uncertainty

    International Nuclear Information System (INIS)

    Nickerson, Thomas A.; Hathaway, Brandon J.; Smith, Timothy M.; Davidson, Jane H.

    2015-01-01

    Four configurations of a novel solar-heated biomass gasification facility and one configuration of conventional biomass gasification are analyzed through financial and policy scenarios. The purpose of this study is to determine the potential financial position for varying configurations of a novel technology, as compared to the current state-of-the-art gasification technology. Through the use of project finance and policy scenario development, we assess the baseline breakeven syngas price (normalized against natural gas prices and based upon annual feedstock consumption), the sensitivity of major cost components for the novel facilities, and the implications of policy levers on the economic feasibility of the solar facilities. Findings show that certain solar configurations may compete with conventional facilities on a straightforward economic basis. However, with renewable energy policy levers in place the solar technologies become increasingly attractive options. - Highlights: • We model four solar and one conventional biomass gasification systems. • We assess economic feasibility of these systems with and without policy incentives. • Solar facilities compete with the conventional system in certain scenarios. • Feedstock costs are the largest contributor to system cost sensitivity. • Policy incentives create an economically favorable scenario for solar facilities

  6. A study of the financial history of the U. S. scheduled airlines and the improvement of airline profitability through technology

    Energy Technology Data Exchange (ETDEWEB)

    Wilcox, D.E.

    1975-07-01

    The financial history of the U.S. scheduled airline industry was investigated to determine the causes of the erratic profit performance of the industry and to evaluate potential economic gains from technology advances of recent years. Operational and economic factors affecting past and future profitability of the industry are discussed, although no attempt was made to examine the profitability of individual carriers. The results of the study indicate that the profit erosion of the late 1960's and early 1970's was due more to excess capacity than to inadequate fare levels, but airline problems were severely compounded by the rapid fuel price escalation in 1974 and 1975. Near-term solutions to the airline financial problems depend upon the course of action by the industry and the CAB and the general economic health of the nation. For the longer term, the only acceptable alternative to continued fare increases is a reduction in unit operating costs through technological advance. The next generation of transports is expected to incorporate technologies developed under Government sponsorship in the 1960's and 1970's with significant improvements in fuel consumption and operating costs. (GRA)

  7. Repository Technology Program activities, FY 1988

    International Nuclear Information System (INIS)

    Yow, J.L. Jr.; Wijesinghe, A.M.; Thorpe, R.K.; Knapp, R.B.

    1989-07-01

    Our technical activities in FY 1988 included instrument selection and evaluation, calculational work, and simulator development. Near the end of the fiscal year, we began preparing several topical reports to document our results. This fiscal year, we continued developing three-dimensional numerical simulators to model coupled hydrologic-and mechanical-rock mass responses and, thus, to provide representative numerical tools for understanding and calculating these in situ processes. We also began scoping calculations in the second half of FY 1988 to evaluate ERE design criteria, but this work was redirected late in the year when the DOE/AECL Subsidiary Agreement was set aside. Our work in developing and evaluating experimental techniques focused on total pressure measurements, moisture content measurement, and tracer detection instrumentation for sealing experiments and for rock-mass-response field tests. At the end of the fiscal year, we completed a review of measurement technology for instrumenting migration/sorption tests to help define the technological requirements in these areas. By the end of FY 1988, we had completed a review of the existing codes for simulating reactive transport; we are using the results of this review to help formulate plans for future activities in this area. The following sections describe the major RTP tasks and activities at LLNL in more detail, and they include our FY 1988 accomplishments in these areas. 8 refs., 22 figs

  8. Government financial support for civil aircraft research, technology and development in four European countries and the United States

    Science.gov (United States)

    Chandler, B.; Golaszewski, R.; Patten, C.; Rudman, B.; Scott, R.

    1980-01-01

    Data on the levels of government financial support for civil aircraft airframe and engine (CAAE) research and technology (R&T) in the United States and Europe (United Kingdom, West Germany, France and The Netherlands) and means of comparing these levels are provided. Data are presented for the years 1974-1977. European R&T expenditure data were obtained through visits to each of the four European countries, to the Washington office of the European Communities, and by a search of applicable literature. CAAE R&T expenditure data for the United States were obtained from NASA and Federal Aviation Administration (FAA).

  9. RTE - Activity and sustainable development report 2014. Management report consolidated financial statements 2014

    International Nuclear Information System (INIS)

    2015-01-01

    After an interview of RTE's CEO, an overview of governance issues within the company, and a presentation of its business model, the activity report addresses the various aspects of RTE activities during 2014: grid expertise, a fair and balanced service, performance at the right price, cooperation between all players, a long term commitment, and perspectives. It also focuses on the corporate aspects: collective intelligence, workforce involvement, safety culture. The management report contains financial and legal information (significant events of 2014, economic environment, business and results, financing, financial structure, outlook for 2015, risk analysis), company information (employment, work organisation, labour relations, health and safety, training, diversity and equal opportunities, compliance with International Labour Organisation conventions), environmental information (general environmental policy, pollution and waste management, sustainable use of resources, climate change, protection and development of biodiversity), and societal information (local, economic and social impact of RTE's business, relations with people and organisations concerned by RTE's business, out-sourcing and suppliers, fair practices, other action to promote human rights). The third report presents the supervisory board (members and missions, operation, committees), the Executive Board (members and remuneration principles), the operation of general assemblies. It describes the internal control of RTE (organisation, actors), presents the policy of risk management and control, activities of audit and control within RTE. It finally presents external controls made by different public bodies

  10. The Role of Communication Technologies in an Era of Financialized Capitalism: Mapping the Field of Political Economy of Communication

    Directory of Open Access Journals (Sweden)

    Lea Udovč

    2015-03-01

    Full Text Available The end of Keynesian era, which was supplemented with neoliberalism, generated some fundamental changes of the capitalist system. The power of the financial sector with its innovative financial mechanisms, which contributed to the reorganization of production process, grew. The technological revolution, privatization processes, marketization of all things public, financialization of corporations were also reflected in the media sector, as news organizations became more and more integrated in transnational capital flows. The consequences of these processes in media (as well as other occupations manifested themselves as proletarization and fordization of the labor force, which enabled the pauperization of journalistic work. The upward pressure on wages as an outcome of tendencies towards labor cost reduction resulted in a demand for multiskilling, which paradoxically even brought about a reverse process—the deskilling of workers. Despite the fact that in the era of cognitive work some domains seem exempt from the law of value, general intellect is still constrained by the existence and limitations of the capital form. Production relations remain capitalistic, and since general intellect can only be realized in communism, it may be argued that general intellect at this point cannot yet be fully realized.

  11. Quantitative Analysis of Non-Financial Motivators and Job Satisfaction of Information Technology Professionals

    Science.gov (United States)

    Mieszczak, Gina L.

    2013-01-01

    Organizations depend extensively on Information Technology professionals to drive and deliver technology solutions quickly, efficiently, and effectively to achieve business goals and profitability. It has been demonstrated that professionals with experience specific to the company are valuable assets, and their departure puts technology projects…

  12. The impact of an m-Health financial incentives program on the physical activity and diet of Australian truck drivers.

    Science.gov (United States)

    Gilson, Nicholas D; Pavey, Toby G; Wright, Olivia Rl; Vandelanotte, Corneel; Duncan, Mitch J; Gomersall, Sjaan; Trost, Stewart G; Brown, Wendy J

    2017-05-18

    Chronic diseases are high in truck drivers and have been linked to work routines that promote inactivity and poor diets. This feasibility study examined the extent to which an m-Health financial incentives program facilitated physical activity and healthy dietary choices in Australian truck drivers. Nineteen men (mean [SD] age = 47.5 [9.8] years; BMI = 31.2 [4.6] kg/m 2 ) completed the 20-week program, and used an activity tracker and smartphone application (Jawbone UP™) to regulate small positive changes in occupational physical activity, and fruit, vegetable, saturated fat and processed/refined sugar food/beverage choices. Measures (baseline, end-program, 2-months follow-up; April-December 2014) were accelerometer-determined proportions of work time spent physically active, and a workday dietary questionnaire. Statistical (repeated measures ANOVA) and thematic (interviews) analyses assessed program impact. Non-significant increases in the mean proportions of work time spent physically active were found at end-program and follow-up (+1%; 7 mins/day). Fruit (p = 0.023) and vegetable (p = 0.024) consumption significantly increased by one serve/day at end-program. Non-significant improvements in saturated fat (5%) and processed/refined sugar (1%) food/beverage choices were found at end-program and follow-up. Overall, 65% (n = 11) of drivers demonstrated positive changes in physical activity, and at least one dietary choice (e.g. saturated fat) at follow-up. Drivers found the financial incentives component of the program to be a less effective facilitator of change than the activity tracker and smartphone application, although this technology was easier to use for monitoring of physical activity than healthy dietary choices. Not all drivers benefitted from the program. However, positive changes for different health behaviours were observed in the majority of participants. Outcomes from this feasibility study inform future intervention development for

  13. The impact of an m-Health financial incentives program on the physical activity and diet of Australian truck drivers

    Directory of Open Access Journals (Sweden)

    Nicholas D. Gilson

    2017-05-01

    Full Text Available Abstract Background Chronic diseases are high in truck drivers and have been linked to work routines that promote inactivity and poor diets. This feasibility study examined the extent to which an m-Health financial incentives program facilitated physical activity and healthy dietary choices in Australian truck drivers. Methods Nineteen men (mean [SD] age = 47.5 [9.8] years; BMI = 31.2 [4.6] kg/m2 completed the 20-week program, and used an activity tracker and smartphone application (Jawbone UP™ to regulate small positive changes in occupational physical activity, and fruit, vegetable, saturated fat and processed/refined sugar food/beverage choices. Measures (baseline, end-program, 2-months follow-up; April–December 2014 were accelerometer-determined proportions of work time spent physically active, and a workday dietary questionnaire. Statistical (repeated measures ANOVA and thematic (interviews analyses assessed program impact. Results Non-significant increases in the mean proportions of work time spent physically active were found at end-program and follow-up (+1%; 7 mins/day. Fruit (p = 0.023 and vegetable (p = 0.024 consumption significantly increased by one serve/day at end-program. Non-significant improvements in saturated fat (5% and processed/refined sugar (1% food/beverage choices were found at end-program and follow-up. Overall, 65% (n = 11 of drivers demonstrated positive changes in physical activity, and at least one dietary choice (e.g. saturated fat at follow-up. Drivers found the financial incentives component of the program to be a less effective facilitator of change than the activity tracker and smartphone application, although this technology was easier to use for monitoring of physical activity than healthy dietary choices. Conclusions Not all drivers benefitted from the program. However, positive changes for different health behaviours were observed in the majority of participants. Outcomes from this

  14. THEORETICAL SUBSTANTIATION OF FINANCIAL MANAGEMENT

    Directory of Open Access Journals (Sweden)

    N. V. Myroshnyk

    2009-03-01

    Full Text Available The concept «finance» is defined. It is investigated that in conditions of the market economy for effective management of financial resources the provision of enterprise activities with optimal amount of the financial resources, their rational use, the profit maximization, and the provision of market cost of enterprise are necessary. In conditions of the market economy the issues of improvement of management of production processes, efficient use of financial, labor and material resources become urgent. To solve such problems, the enterprise administrations should be aware of the knowledge of economics, production technologies, and finance.

  15. Framing Financial Incentives to Increase Physical Activity Among Overweight and Obese Adults: A Randomized, Controlled Trial.

    Science.gov (United States)

    Patel, Mitesh S; Asch, David A; Rosin, Roy; Small, Dylan S; Bellamy, Scarlett L; Heuer, Jack; Sproat, Susan; Hyson, Chris; Haff, Nancy; Lee, Samantha M; Wesby, Lisa; Hoffer, Karen; Shuttleworth, David; Taylor, Devon H; Hilbert, Victoria; Zhu, Jingsan; Yang, Lin; Wang, Xingmei; Volpp, Kevin G

    2016-03-15

    Financial incentive designs to increase physical activity have not been well-examined. To test the effectiveness of 3 methods to frame financial incentives to increase physical activity among overweight and obese adults. Randomized, controlled trial. (ClinicalTrials.gov: NCT 02030119). University of Pennsylvania. 281 adult employees (body mass index ≥27 kg/m2). 13-week intervention. Participants had a goal of 7000 steps per day and were randomly assigned to a control group with daily feedback or 1 of 3 financial incentive programs with daily feedback: a gain incentive ($1.40 given each day the goal was achieved), lottery incentive (daily eligibility [expected value approximately $1.40] if goal was achieved), or loss incentive ($42 allocated monthly upfront and $1.40 removed each day the goal was not achieved). Participants were followed for another 13 weeks with daily performance feedback but no incentives. Primary outcome was the mean proportion of participant-days that the 7000-step goal was achieved during the intervention. Secondary outcomes included the mean proportion of participant-days achieving the goal during follow-up and the mean daily steps during intervention and follow-up. The mean proportion of participant-days achieving the goal was 0.30 (95% CI, 0.22 to 0.37) in the control group, 0.35 (CI, 0.28 to 0.42) in the gain-incentive group, 0.36 (CI, 0.29 to 0.43) in the lottery-incentive group, and 0.45 (CI, 0.38 to 0.52) in the loss-incentive group. In adjusted analyses, only the loss-incentive group had a significantly greater mean proportion of participant-days achieving the goal than control (adjusted difference, 0.16 [CI, 0.06 to 0.26]; P = 0.001), but the adjusted difference in mean daily steps was not significant (861 [CI, 24 to 1746]; P = 0.056). During follow-up, daily steps decreased for all incentive groups and were not different from control. Single employer. Financial incentives framed as a loss were most effective for achieving physical

  16. A Quality, Benefit, Cost, and Financial Framework for Health Information Technology, E-Prescribing: A Delphi Study.

    Science.gov (United States)

    DeMuro, Paul R; Ash, Joan; Middleton, Blackford; Fletcher, Justin; Madison, Cecelia J

    2017-01-01

    Little research has been conducted about the quality, benefits, costs, and financial considerations associated with health information technology (HIT), particularly informatics technologies, such as e-prescribing, from the perspective of all its stakeholders. This research effort sought to identify the stakeholders involved in e-prescribing and to identify and rank-order the positives and the negatives from the perspective of the stakeholders to create a framework to assist in the development of incentives and payment mechanisms which result in better managed care. The Delphi method was employed by enlisting a panel of experts. They were presented with the results of initial research in an online survey of questions which sought to prioritize the quality, benefit, cost, and financial effects of e-prescribing from the perspective of each stakeholder. From the results of this study, a framework was presented to framework experts. The experts added stakeholders and positives and negatives to the initial lists and rank-ordered the positives and negatives of e-prescribing from the perspective of each stakeholder. The aggregate results were summarized by category of stakeholder. The framework experts evaluated the framework. Positives and negatives can be rank-ordered from the perspective of each stakeholder. A useful framework was created.

  17. Transforming health care the financial impact of technology, electronic tools and data mining

    CERN Document Server

    Fasano, Phil

    2013-01-01

    The future of healthcare technologies, and what they mean for investors and entrepreneurs The healthcare technology revolution is just around the corner. And when it arrives, it will change and enrich our lives in ways we can only begin to imagine. Doctors will perform blood pressure readings via video chat and nutritionists will analyze diet based on photos taken with cellphone cameras. Transforming Health Care combines healthcare, technology, and finance in an innovative new way that explains the future of healthcare and its effects on patient care, exploring the emergence of electronic tools that will transform the medical industry. Explaining how technology, not politics, will lead the future of the healthcare revolution, author and healthcare technology expert Phil Fasano presents real-life examples that show how the next generation of medical breakthroughs will come from the instant exchange of information across the world Explores how new technologies will radically change the future of healthcare by m...

  18. Electricity Generation in Fiji: Assessing the Impact of Renewable Technologies on Costs and Financial Risk

    OpenAIRE

    Dornan, Matthew; Jotzo, Frank

    2011-01-01

    In recent years, renewable energy technologies have been advocated in Fiji on the basis that they improve energy security and serve as a risk-mitigation measure against oil price volatility. Despite this, there have been few attempts to measure the impact of renewable technologies on energy security. That analysis is important if the benefits of renewable energy technologies in Fiji are to be adequately evaluated. This paper develops and applies a method for assessing the potential contributi...

  19. Strategic correlates of information technology in the financial services industry of Portugal

    OpenAIRE

    Vitor F. C. Gonçalves; David Grigsby

    1998-01-01

    The increased internationalization of business has brought about a need for firms to understand the relationships among global competition, information technology, and sustaining their competitive advantage. This paper reviews the relevant concepts and previous research in technology adoption strategy, environment, and competitive advantage, and develops and tests a model of the relationship between the competitive global environment and technology adoption. Support was found for the contenti...

  20. Dual energy radiography using active detector technology

    International Nuclear Information System (INIS)

    Seibert, J.A.; Poage, T.F.; Alvarez, R.E.

    1996-01-01

    A new technology has been implemented using an open-quotes active-detectorclose quotes comprised of two computed radiography (CR) imaging plates in a sandwich geometry for dual-energy radiography. This detector allows excellent energy separation, short exposure time, and high signal to noise ratio (SNR) for clinically robust open-quotes bone-onlyclose quotes and open-quotes soft-tissue onlyclose quotes images with minimum patient motion. Energy separation is achieved by two separate exposures at widely different kVp's: the high energy (120 kVp + 1.5 mm Cu filter) exposure is initiated first, followed by a short burst of intense light to erase the latent image on the front plate, and then a 50 kVp (low energy) exposure. A personal computer interfaced to the x-ray generator, filter wheel, and active detector system orchestrates the acquisition sequence within a time period of 150 msec. The front and back plates are processed using a CR readout algorithm with fixed speed and wide dynamic range. open-quotes Bone-onlyclose quotes and open-quotes soft-tissue onlyclose quotes images are calculated by geometric alignment of the two images and application of dual energy decomposition algorithms on a pixel by pixel basis. Resultant images of a calibration phantom demonstrate an increase of SNR 2 / dose by ∼73 times when compared to a single exposure open-quotes passive-detectorclose quotes comprised of CR imaging plates, and an ∼8 fold increase compared to a screen-film dual-energy cassette comprised of different phosphor compounds. In conclusion, dual energy imaging with open-quotes active detectorclose quotes technology is clinically feasible and can provide substantial improvements over conventional methods for dual-energy radiography

  1. Financial technologies paving a bright new path for the world’s unbanked population

    OpenAIRE

    Wolbers,, Joris J.A.

    2017-01-01

    FinTech play a pivotal role in facilitating access to financial products and services. At the moment, the country characteristics that facilitate the use of FinTech are not adequately identified in the literature. This paper attempts to contribute to the understanding of which country characteristics facilitate the use of FinTech and how FinTech can drive sustainable economic development. Based on a sample of 62 developing countries, the 3SLS regression results find a positive effect of the q...

  2. Mitigating Financial Burden of Tuberculosis through Active Case Finding Targeting Household and Neighbourhood Contacts in Cambodia.

    Science.gov (United States)

    Morishita, Fukushi; Yadav, Rajendra-Prasad; Eang, Mao Tan; Saint, Saly; Nishikiori, Nobuyuki

    2016-01-01

    Despite free TB services available in public health facilities, TB patients often face severe financial burden due to TB. WHO set a new global target that no TB-affected families experience catastrophic costs due to TB. To monitor the progress and strategize the optimal approach to achieve the target, there is a great need to assess baseline cost data, explore potential proxy indicators for catastrophic costs, and understand what intervention mitigates financial burden. In Cambodia, nationwide active case finding (ACF) targeting household and neighbourhood contacts was implemented alongside routine passive case finding (PCF). We analyzed household cost data from ACF and PCF to determine the financial benefit of ACF, update the baseline cost data, and explore whether any dissaving patterns can be a proxy for catastrophic costs in Cambodia. In this cross-sectional comparative study, structured interviews were carried out with 108 ACF patients and 100 PCF patients. Direct and indirect costs, costs before and during treatment, costs as percentage of annual household income and dissaving patterns were compared between the two groups. The median total costs were lower by 17% in ACF than in PCF ($240.7 [IQR 65.5-594.6] vs $290.5 [IQR 113.6-813.4], p = 0.104). The median costs before treatment were significantly lower in ACF than in PCF ($5.1 [IQR 1.5-25.8] vs $22.4 [IQR 4.4-70.8], pCambodia. ACF has the great potential to mitigate the costs incurred particularly before treatment. Social protection schemes that can replace lost income are critically needed to compensate for the most devastating costs in TB. An occurrence of selling household property can be a useful proxy for catastrophic cost in Cambodia.

  3. Life Cycle Assessment of Thermal Treatment Technologies. An environmental and financial systems analysis of gasification, incineration and landfilling of waste

    Energy Technology Data Exchange (ETDEWEB)

    Assefa, Getachew; Eriksson, Ola [Royal Inst. of Tech., Stockholm (Sweden). Industrial Ecology; Jaeraas, Sven; Kusar, Henrik [Royal Inst. of Tech., Stockholm (Sweden). Chemical Technology

    2003-05-01

    Oxidants. It is obvious that a decreased use of landfilling in favour of an increased energy recovery from waste is positive from all considered impact categories. Gasification with energy recovery in a combi cycle using catalytic combustion in the gas turbine is the most competitive technology from primarily an environmental point of view. The financial costs are however a bit higher than for incineration with energy recovery. This conclusion depends, however, on the assumption that the gasification and catalyst technologies work as the researchers presume and that the fuel is of high quality. For this, the pelletizing unit is vital in the technology chain. A comparison of the catalytic combustion and the flame combustion shows that all impact categories except acidification, eutrophication and photochemical oxidants remain the same. The gasification process is identical between the two alternatives, it is just the combustion technology in the gas turbine that is different. This explains why the fuel consumption and the financial costs are not changed (a minor extra investment is made for the catalyst but is not noticeable in comparison to the total impact). Emissions of greenhouse gases are also identical. For the other impact categories there are differences for several of the emissions involved in the impact assessment but NO{sub x} is clearly the dominating one. Gasification with catalytic combustion is competitive to incineration. The small difference for eutrophication is within the error margin and is strongly dependent on the reduction of NO{sub x} in the incineration plant. The explanation to this result is that a combi cycle in combination with natural gas as the alternative power generation is a better system solution than incineration with biofuel as compensatory fuel. Financial costs are somewhat higher than for incineration but could also claimed to be within the error margin since the inventory of costs are more uncertain due to the fact that there is no

  4. Information Technology Adoption for Service Innovation Practices and Competitive Advantage: The Case of Financial Firms

    Science.gov (United States)

    Chen, J. S.; Tsou, H. T.

    2007-01-01

    Background: The importance of information technology to current business practices has long drawn the attention of practitioners and academicians. Aim: This paper aims to broaden understanding about service innovation as a critical organizational capability through which information technology adoption influences the competitive advantage of a…

  5. 78 FR 17646 - Agency Information Collection Activities; eZ-Audit: Electronic Submission of Financial Statements...

    Science.gov (United States)

    2013-03-22

    ...Z-Audit: Electronic Submission of Financial Statements and Compliance Audits AGENCY: Federal Student...: Electronic Submission of Financial Statements and Compliance Audits. OMB Control Number: 1845-0072. Type of... to facilitate the submission of compliance and financial statement audits, expedite the review of...

  6. On the Money: High School Mathematics Activities to Build Financial Literacy

    Science.gov (United States)

    Peters, Susan A.; Bay-Williams, Jennifer M.; Martinie, Sherri L.

    2016-01-01

    As high school students make more and more important decisions, their need for financial literacy increases significantly. To succeed in life, they need both an understanding of financial issues and the math skills to make financially sound choices. With all the requirements and standards to be met in high schools today, how can teachers find room…

  7. On the Money: Math Activities to Build Financial Literacy, Grades 6-8

    Science.gov (United States)

    Bay-Williams, Jennifer M.; Bush, Sarah B.; Peters, Susan A.; McGatha, Maggie B.

    2015-01-01

    To succeed in college, career, and life, students need to become financially literate. But understanding the basics of a long-term investment or a short-term loan is not enough without the math skills to make financially sound choices. In the already full curriculum of middle schools today, how can teachers find room to include financial literacy?…

  8. 78 FR 23233 - Agency Information Collection Activities; Comment Request; Financial Report for the Endowment...

    Science.gov (United States)

    2013-04-18

    ...; Comment Request; Financial Report for the Endowment Challenge Grant Program AGENCY: Office of... notice will be considered public records. Title of Collection: Financial Report for the Endowment... Financial Report is to have the grantees report annually the kind of investments that have been made, the...

  9. 78 FR 26625 - Agency Information Collection Activities; Comment Request; Guaranty Agency Financial Report

    Science.gov (United States)

    2013-05-07

    ...; Comment Request; Guaranty Agency Financial Report AGENCY: Federal Student Aid (FSA), Department of... Financial Report. OMB Control Number: 1845-0026. Type of Review: An extension of an existing information... Agency Financial Report (GAFR), Education Form 2000, is used by the thirty-one (31) guaranty agencies...

  10. Mitigating Financial Burden of Tuberculosis through Active Case Finding Targeting Household and Neighbourhood Contacts in Cambodia.

    Directory of Open Access Journals (Sweden)

    Fukushi Morishita

    Full Text Available Despite free TB services available in public health facilities, TB patients often face severe financial burden due to TB. WHO set a new global target that no TB-affected families experience catastrophic costs due to TB. To monitor the progress and strategize the optimal approach to achieve the target, there is a great need to assess baseline cost data, explore potential proxy indicators for catastrophic costs, and understand what intervention mitigates financial burden. In Cambodia, nationwide active case finding (ACF targeting household and neighbourhood contacts was implemented alongside routine passive case finding (PCF. We analyzed household cost data from ACF and PCF to determine the financial benefit of ACF, update the baseline cost data, and explore whether any dissaving patterns can be a proxy for catastrophic costs in Cambodia.In this cross-sectional comparative study, structured interviews were carried out with 108 ACF patients and 100 PCF patients. Direct and indirect costs, costs before and during treatment, costs as percentage of annual household income and dissaving patterns were compared between the two groups.The median total costs were lower by 17% in ACF than in PCF ($240.7 [IQR 65.5-594.6] vs $290.5 [IQR 113.6-813.4], p = 0.104. The median costs before treatment were significantly lower in ACF than in PCF ($5.1 [IQR 1.5-25.8] vs $22.4 [IQR 4.4-70.8], p<0.001. Indirect costs constituted the largest portion of total costs (72.3% in ACF and 61.5% in PCF. Total costs were equivalent to 11.3% and 18.6% of annual household income in ACF and PCF, respectively. ACF patients were less likely to dissave to afford TB-related expenses. Costs as percentage of annual household income were significantly associated with an occurrence of selling property (p = 0.02 for ACF, p = 0.005 for PCF.TB-affected households face severe financial hardship in Cambodia. ACF has the great potential to mitigate the costs incurred particularly before treatment

  11. Medical technology companies broaden role to support the financial success of clinics.

    Science.gov (United States)

    Johansson, Soren

    2003-01-01

    Market challenges continue to mount for hospitals and clinics, causing an unparalleled focus on profitability and return on investment for services. To support these challenges, technology suppliers that were once content to deliver and install equipment have become partners with the institutions they serve. Savvy technology companies are offering an extensive array of services that assist facilities in the planning, cost justification, implementation and ongoing support of their technology. The result is a marriage of progress and profit, resulting in solutions that enhance both the quality of care and the bottom line.

  12. Efficiency of state financial support of export activity of small and medium businesses

    Directory of Open Access Journals (Sweden)

    Timur R. Urumov

    2017-03-01

    Full Text Available Objective to assess the effectiveness and role of state financial support of export activities of small and medium enterprises. Methods regression analysis abstractlogical method method of comparison. Results the need is identified to evaluate the impact of state programs of export support on the results of export operations as a mechanism for assessing the efficiency of public spending in this area. The institutions are analyzed of state support of export of small and medium businesses production in the USA and India. It is revealed that in the US the main tool of support are export credits and guarantees while in India the emphasis is on the promotion of products to the world markets. To assess the effectiveness of public expenditure on export support the data were collected and systematized on the total volume of export and the costs of its support in the United States and India. The project revealed the presence of a time lag between these indices. When building a regression model the method of least squares was applied on the basis of which three hypotheses were investigated namely those taking into account and not taking into account the presence of the time lag between variables. As a result of constructing the model it was found that in the U.S. the increase in budget spending on export support to 1mln leads to an increase in export volume to 2mln. In India the corresponding figure was 10mln. The analysis of the Russian practice of the state support of export of the small and medium businesses production showed a lack of systematic approach and poor development of the small business sector compared to the studied countries. Scientific novelty the positive relationship was revealed between the costs of exports support and export sales in the United States and India. The necessity was grounded of state the financial support of export activities of small and medium enterprises in Russia as well as product promotion through sectoral

  13. Information Technology: Architecture Needed to Guide Modernization of DoD's Financial Operations

    National Research Council Canada - National Science Library

    2001-01-01

    .... Effectively managing such a large and complex endeavor requires, among other things, a well-defined and enforced blueprint for operational and technological change, commonly referred to as an enterprise architecture...

  14. Financial Evaluation Techniques, Institutions and Innovation

    DEFF Research Database (Denmark)

    Howells, John

    2003-01-01

    This paper reviews the relationship between financial evaluation and control techniques and innovative activity in a range of technological contexts. The relationship is broadly conceived to include both the financial techniques developed and deployed within the firm and theevaluative behaviour...... of financial institutions external to the firm such as venture capital and industrial investment banking. With innovative and investment opportunities tending to vary over time within an industry, it becomes apparent that there can be no permanent solution to the common problem of how to trade off financial...

  15. CONSIDERATIONS REGARDING FINANCIAL STABILITY

    Directory of Open Access Journals (Sweden)

    MERCEA PATRICIA AMALIA

    2018-02-01

    Full Text Available International economic conditions are projected to have a favorable path in 2018. Thus, accelerating investment in infrastructure and real estate in China, as well as expectations of fiscal loosening in the United States, lead to an increased expectation for enhancement of global trade flows and to strengthen investor confidence. Instead, Britain's decision to leave the European Union, as well as political uncertainty in some euro-zone countries, may cause temporary distortions but also implications for economies in the european region. On the other hand, the divergence of the Federal Reserve and the European Central Bank's monetary policies, as the US expects further increases in interest rates, can be reflected in the activity of the government bond market as a result of the reorientation of investors to assets with higher yield, a trend amplified by the context of the economic environment with low interest rates. Recent developments in the field of financial technology innovation are an important challenge for conventional financial market (payment and settlement infrastructures, especially in the context of multiple public and private initiatives and projects developed over the last few years. The digitization of financial services is an international concern due to the complexity of this phenomenon, and the lack of harmonized regulations and / or standards in the field. On the one hand, technological innovation in the field of payment systems has the potential to create a number of social benefits by improving access to financial services (financial inclusion. On the other hand, the integration of new technologies in the financial and banking field may imply additional information security risks, especially on payment and settlement systems. Financial technology innovation projects have also been developed by central banks in Europe, but also in America and Asia (for example in the UK, the Netherlands, Sweden, Canada, China and India. They

  16. Formation of the Project Team on Introduction of Financial Controlling into Banking Activity

    Directory of Open Access Journals (Sweden)

    Chmutova Iryna M.

    2014-01-01

    Full Text Available The article identifies order and content of stages of formation of the project team of introduction of financial controlling into banking activity. It offers a procedure of identification of the qualitative team composition, which envisages selection of candidates with the use of rules of fuzzy logical conclusion for assessing three groups of competences: personal (initiative, communication ability, creative ability, purposefulness and responsibility; common managerial (ability to work in a team, ability to manage conflicts, ability to manage, strategic thinking ability, ability to plan team work and distribute rights and obligations and co-ordinate work; special managerial (ability to justify and make decisions under conditions of uncertainty and dynamism, analytical abilities, ability to master new directions and methods of work and use them, skills and ability to form justified recommendations, special knowledge – theoretical grounds and recommendations of modern science with respect to introduction of controlling.

  17. Science and Technology in Africa: The African Union New Initiative and Financial Support Perspectives

    Science.gov (United States)

    Ezin, Jean-Pierre

    2010-02-01

    Physics, which is widely touted as the most fundamental of the sciences, underpins the progress in all other branches of science and has a wide range of applications in economic development, including in health, energy research, food security, communication technology and climate change. The African Union (AU) Commission articulates the continental vision of its Member States and its programs are designed to directly contribute to its social and economic development and integration efforts. In the area of science and technology the Department has developed Africa's Science and Technology Consolidated Plan of Action as a strategic policy document through the AU system of conference of ministers responsible for science to guide the continent on common priority programs. The programs in this plan of action that have been transformed into bankable projects under the Book of ``lighthouse projects Phase 1'', adequately respond to Africa's challenges and development needs using science. They can be summarized into three main themes: a pan-African university (PAU) initiative (to combine higher education and scientific research as a network of differentiated PAU in each of the five African regions), African research grants (to strengthen the research capacity of the African institutions and upgrading infrastructures, consolidating their accumulated asset of scientific knowledge), popularization of science and technology and promotion of public participation (to build public understanding and raising awareness on science and technology as a driving agent for social and economic progress for Africa and its integration process) and a science and technology institutional capacity building program). This talk will review these programs as well as the vision of the African Development Bank role in it. )

  18. The Influence of Different Social Roles Activation on Women’s Financial and Consumer Choices

    Directory of Open Access Journals (Sweden)

    Katarzyna eSekścińska

    2016-03-01

    Full Text Available In recent times, the changes occurring in the social role of women and men have been observed. Traditionally, the dominating social role of the woman was as housewife, and that of the man was focused on work and family maintenance. Nowadays, the social role of women is evolving in the direction of taking a profession, while increasingly men are taking care of the household. The main goal of the studies presented here was to verify how the activation of different social roles (traditional or nontraditional may be reflected in women’s financial and consumer choices. Three experimental studies were conducted. In the first study (n= 195 females, three different social roles of women – professional (nontraditional, housewife (traditional and neutral (control – were activated. The results showed that activating women’s nontraditional social role increased their tendency to invest and decreased their propensity to save money compared to the activation of the traditional or neutral social role. The goal of the second study (n=196 females was to check whether, despite there being no differences in the level of consumption in the first study, can any differences be observed in the preference for the type of products chosen for consumption. The results showed that activating the nontraditional social role raised the propensity to spend funds on products and services for individual use and reduced the willingness to buy goods for collective use (shared with other members of the household. The purpose of the third study (n=90 females was to examine how different images of women appearing in advertisements may affect women’s judgments of the advertised product. Women who watched the ad with woman in the nontraditional social role estimated the product quality, look, color and price higher that participants exposed to the advertisement presenting the woman in traditional or neutral social role. The present studies give some evidence that the new

  19. The Influence of Different Social Roles Activation on Women's Financial and Consumer Choices.

    Science.gov (United States)

    Sekścińska, Katarzyna; Trzcińska, Agata; Maison, Dominika A

    2016-01-01

    In recent times, the changes occurring in the social role of women and men have been observed. Traditionally, the dominating social role of the woman was as housewife, and that of the man was focused on work and family maintenance. Nowadays, the social role of women is evolving in the direction of taking a profession, while increasingly men are taking care of the household. The main goal of the studies presented here was to verify how the activation of different social roles (traditional or non-traditional) may be reflected in women's financial and consumer choices. Three experimental studies were conducted. In the first study (n = 195 females), three different social roles of women - professional (non-traditional), housewife (traditional) and neutral (control) - were activated. The results showed that activating women's non-traditional social role increased their tendency to invest and decreased their propensity to save money compared to the activation of the traditional or neutral social role. The goal of the second study (n = 196 females) was to check whether, despite there being no differences in the level of consumption in the first study, can any differences be observed in the preference for the type of products chosen for consumption. The results showed that activating the non-traditional social role raised the propensity to spend funds on products and services for individual use and reduced the willingness to buy goods for collective use (shared with other members of the household). The purpose of the third study (n = 90 females) was to examine how different images of women appearing in advertisements may affect women's judgments of the advertised product. Women who watched the ad with woman in the non-traditional social role estimated the product quality, look, color and price higher that participants exposed to the advertisement presenting the woman in traditional or neutral social role. The present studies give some evidence that the new, non

  20. The Influence of Different Social Roles Activation on Women’s Financial and Consumer Choices

    Science.gov (United States)

    Sekścińska, Katarzyna; Trzcińska, Agata; Maison, Dominika A.

    2016-01-01

    In recent times, the changes occurring in the social role of women and men have been observed. Traditionally, the dominating social role of the woman was as housewife, and that of the man was focused on work and family maintenance. Nowadays, the social role of women is evolving in the direction of taking a profession, while increasingly men are taking care of the household. The main goal of the studies presented here was to verify how the activation of different social roles (traditional or non-traditional) may be reflected in women’s financial and consumer choices. Three experimental studies were conducted. In the first study (n = 195 females), three different social roles of women – professional (non-traditional), housewife (traditional) and neutral (control) – were activated. The results showed that activating women’s non-traditional social role increased their tendency to invest and decreased their propensity to save money compared to the activation of the traditional or neutral social role. The goal of the second study (n = 196 females) was to check whether, despite there being no differences in the level of consumption in the first study, can any differences be observed in the preference for the type of products chosen for consumption. The results showed that activating the non-traditional social role raised the propensity to spend funds on products and services for individual use and reduced the willingness to buy goods for collective use (shared with other members of the household). The purpose of the third study (n = 90 females) was to examine how different images of women appearing in advertisements may affect women’s judgments of the advertised product. Women who watched the ad with woman in the non-traditional social role estimated the product quality, look, color and price higher that participants exposed to the advertisement presenting the woman in traditional or neutral social role. The present studies give some evidence that the new, non

  1. SUNY College of Agriculture and Technology at Morrisville: Selected Financial Management Practices.

    Science.gov (United States)

    New York State Office of the Comptroller, Albany. Div. of Management Audit.

    This audit report of the State University of New York (SUNY) College of Agriculture and Technology at Morrisville addresses the question of whether the college management has established an effective system of internal control over its revenue, equipment, and student work-study payroll. The audit makes a number of observations and conclusions.…

  2. Useful Pedagogies or Financial Hardships? Interactive Response Technology (Clickers) in the Large College Classroom

    Science.gov (United States)

    Boatright-Horowitz, Su L.

    2009-01-01

    Interactive response systems "clickers" can provide multiple benefits to the students and faculty who use them, including immediate performance feedback and greater student engagement in learning. My own exploration of this technology has yielded five pedagogically different types of polling questions, specifically measurement of student…

  3. Investments in product innovation using information technology : lessons from the financial services sector

    NARCIS (Netherlands)

    Deitz, R.M.H.

    1993-01-01

    Product innovation using information technology (IT) represents a very interesting object of study from an economic point of view. The existing company-information infrastructure offers numerous opportunities but also risks for product-innovation. Opportunities occur when existing or future systems

  4. Financial Support and Challenges for Educational Technology Companies: Then, Now, and Looking Ahead

    Science.gov (United States)

    Billings, Karen J.; Blaschke, Charles L.

    2016-01-01

    The authors review past and current funding/support for U.S. K-12 educational technology companies. They review both who provided the funding for product development and the reasons why. They look back to the 1960s and 1970s, when federal government agencies helped produce computer-based materials, then how the schools' access to technology…

  5. Multiple behavior changes in diet and activity: a randomized controlled trial using mobile technology.

    Science.gov (United States)

    Spring, Bonnie; Schneider, Kristin; McFadden, H Gene; Vaughn, Jocelyn; Kozak, Andrea T; Smith, Malaina; Moller, Arlen C; Epstein, Leonard H; Demott, Andrew; Hedeker, Donald; Siddique, Juned; Lloyd-Jones, Donald M

    2012-05-28

    Many patients exhibit multiple chronic disease risk behaviors. Research provides little information about advice that can maximize simultaneous health behavior changes. To test which combination of diet and activity advice maximizes healthy change, we randomized 204 adults with elevated saturated fat and low fruit and vegetable intake, high sedentary leisure time, and low physical activity to 1 of 4 treatments: increase fruit/vegetable intake and physical activity, decrease fat and sedentary leisure, decrease fat and increase physical activity, and increase fruit/vegetable intake and decrease sedentary leisure. Treatments provided 3 weeks of remote coaching supported by mobile decision support technology and financial incentives. During treatment, incentives were contingent on using the mobile device to self-monitor and attain behavioral targets; during follow-up, incentives were contingent only on recording. The outcome was standardized, composite improvement on the 4 diet and activity behaviors at the end of treatment and at 5-month follow-up. Of the 204 individuals randomized, 200 (98.0%) completed follow-up. The increase fruits/vegetables and decrease sedentary leisure treatments improved more than the other 3 treatments (P improved less than the other 3 treatments (P mobile technology and financial incentives holds promise to improve diet and activity. Targeting fruits/vegetables and sedentary leisure together maximizes overall adoption and maintenance of multiple healthy behavior changes.

  6. Managing preventive occupational health and safety activities in Danish enterprises during a period of financial crisis

    DEFF Research Database (Denmark)

    Andersen, Hans H. K.; Bach, Elsa

    2017-01-01

    The onset of the financial crisis in 2008 has put pressure on enterprises that in turn have downsized and reorganized. Research has shown that economic recession has an effect on psychological and behavioral health that is attributed to working environment problems. The objective of this study is...... focus on the management of preventive workplace health and safety activities in enterprises during a period of economic recession....... is to unravel whether the onset of a general economic recession has had an impact on companies’ and public institutions’ preventive occupational health and safety activities. Hypotheses of the role of pro-cyclical and countercyclical effects are presented. This study is based on a survey of enterprise...... preventive occupational health safety activities. The baseline for the survey was established, in 2006 before the onset of the recession, with a follow up in 2011. Findings are discussed that support both the pro-cyclical and the countercyclical hypotheses. It is concluded that there is a need for a special...

  7. 75 FR 70355 - Proposed Agency Information Collection Activities; Comment Request -Thrift Financial Report...

    Science.gov (United States)

    2010-11-17

    ... a loan modification is being explored because of borrowers' financial difficulties. It is also... management strategies at an early stage in this $2.5 trillion line of business, the banking agencies believe... corporate issuer, such as a financial institution holding company, first organizes a business trust or other...

  8. Goal Clarity and Financial Planning Activities as Determinants of Retirement Savings Contributions

    Science.gov (United States)

    Stawski, Robert S.; Hershey, Douglas A.; Jacobs-Lawson, Joy M.

    2007-01-01

    Retirement counselors, financial service professionals, and retirement intervention specialists routinely emphasize the importance of developing clear goals for the future; however, few empirical studies have focused on the benefits of retirement goal setting. In the present study, the extent to which goal clarity and financial planning activities…

  9. 76 FR 37030 - Financial Derivatives Transactions To Offset Interest Rate Risk; Investment and Deposit Activities

    Science.gov (United States)

    2011-06-24

    ..., with certain exceptions, are financial derivatives such as futures, options, interest rate swaps and... to evaluate any hedge transaction using derivatives must include the ability to capture all options... NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 703 Financial Derivatives Transactions To Offset...

  10. An Analysis of the Factors Influencing the Adoption of Activity Based Costing (ABC in the Financial Sector in Jamaica

    Directory of Open Access Journals (Sweden)

    Phillip C. James

    2013-07-01

    Full Text Available Financial institutions are increasingly operating in a highly competitively environment and therefore cost management has become an imperative. This paper investigates the factors influencing the adoption of activity-based costing (ABC methodology within the financial sector in Jamaica. Quantitative analysis was done using the generalized linear logistic regression model. The results show that there are three main factors that are statistically significant in the decision to implement an ABC system, these are: companies perception of the ability of ABC to assist in cost control, the proportion of overhead to total cost and finally, the action of competitors, that is, whether a competitor adopts the ABC methodology

  11. Financial and environmental impacts of new technologies in the energy sector

    Science.gov (United States)

    Duthu, Ray Charles, III

    Energy industries (generation, transmission and distribution of fuels and electricity) have a long history as the key elements of the US energy economy and have operated within a mostly consistent niche in our society for the past century. However, varieties of interrelated drivers are forcing changes to these industries' business practices, relationship to their customers, and function in society. In the electric utility industry, the customer is moving towards acting as a fuller partner in the energy economy: buying, selling, and dispatching its demand according to its own incentives. Natural gas exploration and production has long operated out in rural areas farther from public concerns or regulations, but now, due to hydraulic fracturing, new exploration is occurring in more urbanized, developed regions of the country and is creating significant public concern. For these industries, the challenges to their economic development and to improvements to the energy sector are not necessarily technological; but are social, business, and policy problems. This dissertation seeks to understand and design towards these issues by building economic and life cycle assessment models that quantify value, potential monetization, and the potential difference between the monetization and value for two new technologies: customer-owned distributed generation systems and integrated development plans with pipeline water transport in hydraulically fractured oil and gas fields. An inclusive business model of a generic customer in Fort Collins, Co and its surrounding utilities demonstrates that traditional utility rates provide customers with incentives that encourage over-monetization of a customer's distributed generation resource at the expense of the utilities. Another model which compares customer behavior incented by traditional rates in three New England cities with the behavior incented through a real-time pricing market corroborates this conclusion. Daily customer load peak

  12. ANDRA - National Radioactive Waste Management Agency. Activity report and sustainable development 2013. Financial report 2013

    International Nuclear Information System (INIS)

    2014-01-01

    Created in 1979 within the CEA, the National Radioactive Waste Management Agency (ANDRA) was established by the December 1991 Waste Act as a public body in charge of the long-term management of all radioactive waste, under the supervision of the Ministry of Ecology, Energy, Sustainable Development and the Sea (formerly the Ministry of Industry and the Ministry of Environment), and the Ministry of Research. Its 3 basic missions were extended and their funding secured through the 2006 Planning Act: - a R and D mission to propose safe long-term solution for radioactive waste without current disposal system; this mission includes long-term storage, since the 2006 Planning Act, in order to propose interim solutions while final ones are being studied; - an industrial mission concerning, on one hand, waste acceptance criteria and control and, on the other hand, siting, construction, operation, closure and monitoring of repositories. This mission includes as well a public service mission in terms of i) collection of waste of the 'small-scale nuclear activities' producers or owners (including the so-called 'household' radioactive waste, i.e. waste owned by private individuals) and ii) clean-up and rehabilitation of orphan polluted sites; - an information mission, notably through the regular publication of the National Inventory of radioactive materials and waste. This mission includes as well an active policy of dialogue with stakeholders both at national and local level. This document is the activity and Sustainable Development Report, with the financial report, of the Andra for the year 2013

  13. ANDRA - National Radioactive Waste Management Agency. Activity report 2016. Financial report 2016

    International Nuclear Information System (INIS)

    2017-01-01

    Created in 1979 within the CEA, the National Radioactive Waste Management Agency (ANDRA) was established by the December 1991 Waste Act as a public body in charge of the long-term management of all radioactive waste, under the supervision of the Ministry of Ecology, Energy, Sustainable Development and the Sea (formerly the Ministry of Industry and the Ministry of Environment), and the Ministry of Research. Its 3 basic missions were extended and their funding secured through the 2006 Planning Act: - a R and D mission to propose safe long-term solution for radioactive waste without current disposal system; this mission includes long-term storage, since the 2006 Planning Act, in order to propose interim solutions while final ones are being studied; - an industrial mission concerning, on one hand, waste acceptance criteria and control and, on the other hand, siting, construction, operation, closure and monitoring of repositories. This mission includes as well a public service mission in terms of i) collection of waste of the 'small-scale nuclear activities' producers or owners (including the so-called 'household' radioactive waste, i.e. waste owned by private individuals) and ii) clean-up and rehabilitation of orphan polluted sites; - an information mission, notably through the regular publication of the National Inventory of radioactive materials and waste. This mission includes as well an active policy of dialogue with stakeholders both at national and local level. This document is the activity and financial report of the Andra for the year 2016

  14. ANDRA - National Radioactive Waste Management Agency. Activity report 2006. Management report - Financial statements 2006

    International Nuclear Information System (INIS)

    2007-06-01

    Created in 1979 within the CEA, the National Radioactive Waste Management Agency (ANDRA) was established by the December 1991 Waste Act as a public body in charge of the long-term management of all radioactive waste, under the supervision of the Ministry of Ecology, Energy, Sustainable Development and the Sea (formerly the Ministry of Industry and the Ministry of Environment), and the Ministry of Research. Its 3 basic missions were extended and their funding secured through the 2006 Planning Act: - a R and D mission to propose safe long-term solution for radioactive waste without current disposal system; this mission includes long-term storage, since the 2006 Planning Act, in order to propose interim solutions while final ones are being studied; - an industrial mission concerning, on one hand, waste acceptance criteria and control and, on the other hand, siting, construction, operation, closure and monitoring of repositories. This mission includes as well a public service mission in terms of i) collection of waste of the 'small-scale nuclear activities' producers or owners (including the so-called 'household' radioactive waste, i.e. waste owned by private individuals) and ii) clean-up and rehabilitation of orphan polluted sites; - an information mission, notably through the regular publication of the National Inventory of radioactive materials and waste. This mission includes as well an active policy of dialogue with stakeholders both at national and local level. This document is the activity report with the management and financial statements report of the Andra for the year 2006

  15. ANDRA - National Radioactive Waste Management Agency. Activity report 2015. Financial report 2015

    International Nuclear Information System (INIS)

    2016-01-01

    Created in 1979 within the CEA, the National Radioactive Waste Management Agency (ANDRA) was established by the December 1991 Waste Act as a public body in charge of the long-term management of all radioactive waste, under the supervision of the Ministry of Ecology, Energy, Sustainable Development and the Sea (formerly the Ministry of Industry and the Ministry of Environment), and the Ministry of Research. Its 3 basic missions were extended and their funding secured through the 2006 Planning Act: - a R and D mission to propose safe long-term solution for radioactive waste without current disposal system; this mission includes long-term storage, since the 2006 Planning Act, in order to propose interim solutions while final ones are being studied; - an industrial mission concerning, on one hand, waste acceptance criteria and control and, on the other hand, siting, construction, operation, closure and monitoring of repositories. This mission includes as well a public service mission in terms of i) collection of waste of the 'small-scale nuclear activities' producers or owners (including the so-called 'household' radioactive waste, i.e. waste owned by private individuals) and ii) clean-up and rehabilitation of orphan polluted sites; - an information mission, notably through the regular publication of the National Inventory of radioactive materials and waste. This mission includes as well an active policy of dialogue with stakeholders both at national and local level. This document is the activity and financial report of the Andra for the year 2015

  16. ANDRA - National Radioactive Waste Management Agency. 2014 Activity report - Responsibility in action. Financial report 2014

    International Nuclear Information System (INIS)

    2015-01-01

    Created in 1979 within the CEA, the National Radioactive Waste Management Agency (ANDRA) was established by the December 1991 Waste Act as a public body in charge of the long-term management of all radioactive waste, under the supervision of the Ministry of Ecology, Energy, Sustainable Development and the Sea (formerly the Ministry of Industry and the Ministry of Environment), and the Ministry of Research. Its 3 basic missions were extended and their funding secured through the 2006 Planning Act: - a R and D mission to propose safe long-term solution for radioactive waste without current disposal system; this mission includes long-term storage, since the 2006 Planning Act, in order to propose interim solutions while final ones are being studied; - an industrial mission concerning, on one hand, waste acceptance criteria and control and, on the other hand, siting, construction, operation, closure and monitoring of repositories. This mission includes as well a public service mission in terms of i) collection of waste of the 'small-scale nuclear activities' producers or owners (including the so-called 'household' radioactive waste, i.e. waste owned by private individuals) and ii) clean-up and rehabilitation of orphan polluted sites; - an information mission, notably through the regular publication of the National Inventory of radioactive materials and waste. This mission includes as well an active policy of dialogue with stakeholders both at national and local level. This document is the activity and financial report of the Andra for the year 2014

  17. Financial Key Ratios

    OpenAIRE

    Tănase Alin-Eliodor

    2014-01-01

    This article focuses on computing techniques starting from trial balance data regarding financial key ratios. There are presented activity, liquidity, solvency and profitability financial key ratios. It is presented a computing methodology in three steps based on a trial balance.

  18. 76 FR 59170 - Hartford Financial Services, Inc., Corporate/EIT/CTO Database Management Division, Hartford, CT...

    Science.gov (United States)

    2011-09-23

    ... in activities related to the supply of financial services. Specifically, the workers provide information technology support for the firm's financial services such as insurance protection and investment... Department's findings that The Hartford Financial Services, Inc. does not produce an article within the...

  19. Future Technology Workshop: A Collaborative Method for the Design of New Learning Technologies and Activities

    Science.gov (United States)

    Vavoula, Giasemi N.; Sharples, Mike

    2007-01-01

    We describe the future technology workshop (FTW), a method whereby people with everyday knowledge or experience in a specific area of technology use (such as using digital cameras) envision and design the interactions between current and future technology and activity. Through a series of structured workshop sessions, participants collaborate to…

  20. LDR structural technology activities at JPL

    Science.gov (United States)

    Wada, Ben

    1988-01-01

    The status of the Large Deployable Reflector (LDR) technology requirements and the availability of that technology in the next few years are summarized. The research efforts at JPL related to these technology needs are also discussed. LDR requires that a large and relatively stiff truss-type backup structure have a surface accurate to 100 microns in space (initial position with thermal distortions) and the dynamic characteristics predictable and/or measurable by on-orbit system identification for micron level motion. This motion may result from the excitation of the lower modes or from wave-type motions. It is also assumed that the LDR structure can be ground tested to validate its ability to meet mission requirements. No program manager will commit a structural design based solely on analysis, unless the analysis is backed by a validation test program.

  1. Reputation for technological innovation: Does it actually cohere with innovative activity?

    Directory of Open Access Journals (Sweden)

    Patrick J. Höflinger

    2018-01-01

    Full Text Available Firms strategically promote, foster and pursue a reputation for technological innovation. Yet, present research did not examine whether such perception actually coheres with innovative activity itself. Previous studies in this field often relied solely on tangible products/product introductions, hence we apply multiple proxies based on a firm's intangible innovative performance to examine the influences on reputation for technological innovation. Using patent, financial and consumer data our Poisson regression analyzes 65 international firms which have been nominated by 231 consumers. We apply time-series and likewise cross-sectional data for our interdisciplinary analysis. Our findings demonstrate that innovative performance (citation intensity is linked to reputation for technological innovation. Counter-intuitively, our results provide evidence that marketing intensity negatively influences a reputation for technological innovation. From the results, we conclude that innovative performance may be associated with a reputation for technological innovation. Actual technological advancement attracts attention from consumers that cannot be purchased with greater marketing investments. This implies that consumers appreciate the costly and uncertain R&D efforts and value those firms that constantly offer innovation. As a theoretical implication, the consideration of intangible inputs for reputation research is an important contribution for a holistic understanding. The results represent essential strategic information for innovation and marketing functions, where both divisions need to align their activities and investments.

  2. The flow of financial resources : An inevitable part of supply chain design activities

    OpenAIRE

    Hofmann, Erik

    2007-01-01

    Supply chain managers do not only face the challenge of designing material and information flows. They also need to arrange the flow of financial resources. The financial side of supply chain design comprises all the economic aspects that result from collaborative concepts and applications. This paper provides an introduction into the field of cash flow organization in supply chains by presenting a collaborative payment model and its common instruments.

  3. United States Marine Corps 2012 Financial Report. Schedule of Budgetary Activity for Fiscal Year 2012 Appropriations

    Science.gov (United States)

    2012-01-01

    risk of potential misstatement at the financial reporting level. Business feeder systems owned by others are under their control and responsibility...deficiencies, in internal control such that then~ is a r·easonahle possihility that a material misstatement of the entity’s financial statements will not be...Although new controls have been implemented, they are not occurring In a consistent and timely manner to detect or correct misstatements of expenses

  4. A systematic review of financial and economic assessments of bovine viral diarrhea virus (BVDV) prevention and mitigation activities worldwide.

    Science.gov (United States)

    Pinior, Beate; Firth, Clair L; Richter, Veronika; Lebl, Karin; Trauffler, Martine; Dzieciol, Monika; Hutter, Sabine E; Burgstaller, Johann; Obritzhauser, Walter; Winter, Petra; Käsbohrer, Annemarie

    2017-02-01

    Infection with bovine viral diarrhea virus (BVDV) results in major economic losses either directly through decreased productive performance in cattle herds or indirectly, such as through expenses for control programs. The aim of this systematic review was to review financial and/or economic assessment studies of prevention and/or mitigation activities of BVDV at national, regional and farm level worldwide. Once all predefined criteria had been met, 35 articles were included for this systematic review. Studies were analyzed with particular focus on the type of financially and/or economically-assessed prevention and/or mitigation activities. Due to the wide range of possible prevention and/or mitigation activities, these activities were grouped into five categories: i) control and/or eradication programs, ii) monitoring or surveillance, iii) prevention, iv) vaccination and v) individual culling, control and testing strategies. Additionally, the studies were analyzed according to economically-related variables such as efficiency, costs or benefits of prevention and/or mitigation activities, the applied financial and/or economic and statistical methods, the payers of prevention and/or mitigation activities, the assessed production systems, and the countries for which such evaluations are available. Financial and/or economic assessments performed in Europe were dominated by those from the United Kingdom, which assessed mostly vaccination strategies, and Norway which primarily carried out assessments in the area of control and eradication programs; whereas among non-European countries the United States carried out the majority of financial and/or economic assessments in the area of individual culling, control and testing. More than half of all studies provided an efficiency calculation of prevention and/or mitigation activities and demonstrated whether the inherent costs of implemented activities were or were not justified. The dairy sector was three times more likely to

  5. Canadian Fusion Fuels Technology Project activities report

    International Nuclear Information System (INIS)

    1985-01-01

    The Canadian Fusion Fuels Technology Project was formally established in 1982. The project is directed toward the further development of Canadian capabilities in five major areas: tritium technology, breeder technology, materials technology, equipment development and safety and the environment. The project is funded by three partners - Government of Canada (50%), Ontario Provincial Government (25%) and Ontario Hydro (25%). The fiscal year 1984/85 represents the third year of operation of the project. In 1984/85, 108 contracts were awarded totalling $4 million. Supplementary funding by subcontractors added approximately $1.9 million to the total project value. More than 200 people participated in the technical work involved in the project. Sixteen people were on attachment to foreign facilities for terms ranging from 1 month to 2.5 years. Five patents were applied for including a tritium discrimination monitor, a new radio-chemical tritium separation method, a new variation of fuel cleanup by gas chromatography, a passive tritium permeation system using bimetallic membranes, and a new breeder process using lithium salts dissolved in heavy water

  6. Extravehicular Activity Technology Development Status and Forecast

    Science.gov (United States)

    Chullen, Cinda; Westheimer, David T.

    2011-01-01

    The goal of NASA s current EVA technology effort is to further develop technologies that will be used to demonstrate a robust EVA system that has application for a variety of future missions including microgravity and surface EVA. Overall the objectives will be to reduce system mass, reduce consumables and maintenance, increase EVA hardware robustness and life, increase crew member efficiency and autonomy, and enable rapid vehicle egress and ingress. Over the past several years, NASA realized a tremendous increase in EVA system development as part of the Exploration Technology Development Program and the Constellation Program. The evident demand for efficient and reliable EVA technologies, particularly regenerable technologies was apparent under these former programs and will continue to be needed as future mission opportunities arise. The technological need for EVA in space has been realized over the last several decades by the Gemini, Apollo, Skylab, Space Shuttle, and the International Space Station (ISS) programs. EVAs were critical to the success of these programs. Now with the ISS extension to 2028 in conjunction with a current forecasted need of at least eight EVAs per year, the EVA hardware life and limited availability of the Extravehicular Mobility Units (EMUs) will eventually become a critical issue. The current EMU has successfully served EVA demands by performing critical operations to assemble the ISS and provide repairs of satellites such as the Hubble Space Telescope. However, as the life of ISS and the vision for future mission opportunities are realized, a new EVA systems capability will be needed and the current architectures and technologies under development offer significant improvements over the current flight systems. In addition to ISS, potential mission applications include EVAs for missions to Near Earth Objects (NEO), Phobos, or future surface missions. Surface missions could include either exploration of the Moon or Mars. Providing an

  7. The Usefulness of Financial Statements in Making Financial Diagnosis

    Directory of Open Access Journals (Sweden)

    Mitica Pepi

    2016-01-01

    Full Text Available Our research aims to develop an analysis of the usefulness of financial statements and financial investment in making the diagnosis. Financial analysis is by definition an activity that performance condition is diagnosed entity of the financial year. Financial analysis shall be determined by strengths and weaknesses of financial management based on which will underpin future strategy of the entity to maintain and develop it into a competitive environment. Results of financial analysis depends on the quality, accuracy, relevance and effectiveness of economic information collected and processed. The primary sources of information for financial analysis are the financial statements, which are considered as raw material in the analysis.

  8. MLS student active learning within a "cloud" technology program.

    Science.gov (United States)

    Tille, Patricia M; Hall, Heather

    2011-01-01

    In November 2009, the MLS program in a large public university serving a geographically large, sparsely populated state instituted an initiative for the integration of technology enhanced teaching and learning within the curriculum. This paper is intended to provide an introduction to the system requirements and sample instructional exercises used to create an active learning technology-based classroom. Discussion includes the following: 1.) define active learning and the essential components, 2.) summarize teaching methods, technology and exercises utilized within a "cloud" technology program, 3.) describe a "cloud" enhanced classroom and programming 4.) identify active learning tools and exercises that can be implemented into laboratory science programs, and 5.) describe the evaluation and assessment of curriculum changes and student outcomes. The integration of technology in the MLS program is a continual process and is intended to provide student-driven active learning experiences.

  9. Photovoltaic technology: World Bank's attitude and activities

    Energy Technology Data Exchange (ETDEWEB)

    Mitwally, E M

    1982-08-01

    Several major problems stand in the way of the implementation of solar cells in developing countries; these are discussed first and relate to the following: (I) technology; (II) national strategy; (III) required capital. Next, the possible role of the World Bank is discussed. Although there is a strong commitment to the development of renewable energy sources, it is pointed out that the World Bank rates the direct solar technologies far behind biomass conversion. This results from the relatively high cost of solar cells. Nevertheless, there are several Bank-financed projects which are being carried out to enable the Bank to decide for itself the true state of the art. In view of the results obtained, it is believed that this was an appropriate course of action. It is concluded that a combination of efforts from the manufacturers and from the funding organizations is necessary if the Third World market for photovoltaics is to expand to its potential size.

  10. Development of Well-Balanced Regulation in the Sphere of Innovative Financial Technologies for Digitalization of the Common Measure of Value

    Directory of Open Access Journals (Sweden)

    Kotlyarevskyy Yaroslav V.

    2017-11-01

    Full Text Available The article focuses on the modern financial technologies in the sphere of monetary and credit circulation, in particular, the ontology of so-called virtual currencies is investigated, theoretical, methodological and practical aspects of their implementation are defined both in the retrospective and in modern contexts. Along with the analysis of theoretical developments of domestic and foreign scholars, a comparative analysis of the international financial and economic issues of establishing effective regulation was conducted, the main provisions for further improving the coordination of the monetary, financial and economic policies in the mentioned sphere with regard to aspects of sustainable development, institutional economy, tax policy and counteracting the money laundering have been expounded.

  11. Financial history and financial economics

    OpenAIRE

    Turner, John D.

    2014-01-01

    This essay looks at the bidirectional relationship between financial history and financial economics. It begins by giving a brief history of financial economics by outlining the main topics of interest to financial economists. It then documents and explains the increasing influence of financial economics upon financial history, and warns of the dangers of applying financial economics unthinkingly to the study of financial history. The essay proceeds to highlight the many insights that financi...

  12. The impact of the 2008/2009 financial crisis on specialist physician activity in Canada.

    Science.gov (United States)

    Lavergne, M Ruth; Hedden, Lindsay; Law, Michael R; McGrail, Kim; Ahuja, Megan; Barer, Morris

    2018-06-19

    Fee-for-service physicians are responsible for planning for their retirements, and there is no mandated retirement age. Changes in financial markets may influence how long they remain in practice and how much they choose to work. The 2008 crisis provides a natural experiment to analyze elasticity in physician service supply in response to dramatic financial market changes. We examined quarterly fee-for-service data for specialist physicians over the period from 1999/2000 to 2013/2014 in Canada. We used segmented regression to estimate changes in the number of physicians receiving payments, per-physician service counts, and per-physician payments following the 2008 financial crisis and explored whether patterns differed by physician age. The number of specialist physicians increased more rapidly in the period since 2008 than in earlier years, but increases were largest within the youngest age group, and we observed no evidence of delayed retirement among older physicians. Where changes in service volume and payments were observed, they occurred across all ages and not immediately following the 2008 financial crisis. We conclude that any response to the financial crisis was small compared with demographic shifts in the physician population and changes in payments per service over the same time period. Copyright © 2018 John Wiley & Sons, Ltd.

  13. Active coatings technologies for tailorable military coating systems

    Science.gov (United States)

    Zunino, J. L., III

    2007-04-01

    The main objective of the U.S. Army's Active Coatings Technologies Program is to develop technologies that can be used in combination to tailor coatings for utilization on Army Materiel. The Active Coatings Technologies Program, ACT, is divided into several thrusts, including the Smart Coatings Materiel Program, Munitions Coatings Technologies, Active Sensor packages, Systems Health Monitoring, Novel Technology Development, as well as other advanced technologies. The goal of the ACT Program is to conduct research leading to the development of multiple coatings systems for use on various military platforms, incorporating unique properties such as self repair, selective removal, corrosion resistance, sensing, ability to modify coatings' physical properties, colorizing, and alerting logistics staff when tanks or weaponry require more extensive repair. A partnership between the U.S. Army Corrosion Office at Picatinny Arsenal, NJ along with researchers at the New Jersey Institute of Technology, NJ, Clemson University, SC, University of New Hampshire, NH, and University of Massachusetts (Lowell), MA, are developing the next generation of Smart Coatings Materiel via novel technologies such as nanotechnology, Micro-electromechanical Systems (MEMS), meta-materials, flexible electronics, electrochromics, electroluminescence, etc. This paper will provide the reader with an overview of the Active Coatings Technologies Program, including an update of the on-going Smart Coatings Materiel Program, its progress thus far, description of the prototype Smart Coatings Systems and research tasks as well as future nanotechnology concepts, and applications for the Department of Defense.

  14. Nonlinear Effect of Financial Efficiency and Financial Competition on Heterogeneous Firm R&D: A Study on the Combined Perspective of Financial Quantity Expansion and Quality Development

    Directory of Open Access Journals (Sweden)

    Yang Gao

    2018-05-01

    Full Text Available Manufacturing firm data and district financial quantity and quality indicators for 2005–2007 combined with heterogeneous firm characteristics were used with a threshold panel to study the effect of financial inefficiency on firm R&D and the financial boundaries of efficiency improvement. The results show that: (1 extensive financial quantity expansion cannot support high innovation efficiency R&D (Research and Development activities in private enterprises, low- and medium-technology enterprises, and underdeveloped area enterprises, as it causes financial inefficiency problems and a shortage of R&D inputs; and (2 financial efficiency and financial competition have nonlinear effects on firm R&D. Financial inefficiency and either low or excessive financial competition result in a lack of highly efficient firm R&D. Only improvements in financial efficiency and moderate competition can significantly promote firm R&D. The results of this study reveal an important way to improve the influence of financial inefficiency on firm R&D by moving away from simply expanding financial quantity to promoting quality instead.

  15. Business, Economics, Financial Sciences, and Management

    CERN Document Server

    2011 International Conference on Business, Economics, and Financial Sciences, Management (BEFM 2011)

    2012-01-01

    A series of papers on business, economics, and financial sciences, management selected from International Conference on Business, Economics, and Financial Sciences, Management are included in this volume.   Management in all business and organizational activities is the act of getting people together to accomplish desired goals and objectives using available resources efficiently and effectively. Management comprises planning, organizing, staffing, leading or directing, and controlling an organization (a group of one or more people or entities) or effort for the purpose of accomplishing a goal. Resourcing encompasses the deployment and manipulation of human resources, financial resources, technological resources and natural resources.   The proceedings of BEFM2011 focuses on the various aspects of advances in Business, Economics, and Financial Sciences, Management and provides a chance for academic and industry professionals to discuss recent progress in the area of Business, Economics, and Financial Scienc...

  16. The impact of green logistic based on financial economic, social and environment activities on sustainable monetary expansion indicators of Oman

    Directory of Open Access Journals (Sweden)

    Faris Alshubiri

    2017-05-01

    Full Text Available Purpose: The purpose of this study is to examine green logistic activities by three axes (financial economic, social and environment activities and how these activities affect on sustainable monetary expansion indicators as an evidence of Sultanate of Oman. Design/methodology/approach: This study began by definition elements of logistic green and how evolution of this concept in recent years. This concept analyzed after survey of previous studies on green logistic. The independent variables of green logistic  are includes of three components of financial economic , social and environment and applies these components to clarify the impact on expansionary monetary policy indicators ( broad , narrow and reserve money as a important signals  in determining a country's economy. This study used data published in statistical annual report of central bank of Oman as representative of country economic of sultanate of Oman from the period 2008 to 2015.  Findings: The results found two variables of government support to electricity sector (GSE and subsidy on soft loans to private sector and housing (SSLPH based on environment activities are statistical significant 1% and 5%. Only one variable of transport and communication (TC in financial economic activates is statistical significant at 1% and 5% , but all variables community, social and personal (CSP , cultural and religious affairs (CRA and social security and welfare (SSW in social activities are statistical significant at 1% 5% and 10% , finally , also the multiple regression test run of all variables of green logistics activities and each monetary expansion indicators and found there are a statistical significant at 1% and 5%, .The study recommends that should be attention with financial economic activities as a quantitative standard contributes to build the green logistic by diagnosed the priorities and existing economic and financial system that contributes of  sustainable development system in

  17. Activating Technology for Connected Health in Cancer

    DEFF Research Database (Denmark)

    Mountford, Nicola; Dorronzoro Zubiete, Enrique; Kessie, Threase

    2018-01-01

    a sustainable approach to cancer survivor reintegration using technology. METHODS: The program, funded under the European Union's Horizon 2020 research and innovation program under the Marie Sklodowska-Curie grant agreement No 722012, includes deep disciplinary PhD projects, intersectoral and international......-technical, social, and economic sciences-required to produce researchers and project outcomes that are capable of meeting existing and future needs in cancer rehabilitation.......BACKGROUND: As cancer survival rates increase, the challenge of ensuring that cancer survivors reclaim their quality of life (QoL) becomes more important. This paper outlines the research element of a research and training program that is designed to do just that. OBJECTIVE: Bridging sectors...

  18. CMOS Active Pixel Sensor Technology and Reliability Characterization Methodology

    Science.gov (United States)

    Chen, Yuan; Guertin, Steven M.; Pain, Bedabrata; Kayaii, Sammy

    2006-01-01

    This paper describes the technology, design features and reliability characterization methodology of a CMOS Active Pixel Sensor. Both overall chip reliability and pixel reliability are projected for the imagers.

  19. 77 FR 59249 - Agency Information Collection (Access to Financial Records) Activities Under OMB Review

    Science.gov (United States)

    2012-09-26

    ... DEPARTMENT OF VETERANS AFFAIRS [OMB Control No. 2900-0739] Agency Information Collection (Access...) of 1995 (44 U.S.C. 3501-3521), this notice announces that the Veterans Benefits Administration (VBA... . Please refer to ``OMB Control No. 2900-0739.'' SUPPLEMENTARY INFORMATION: Title: Access to Financial...

  20. 12 CFR 225.86 - What activities are permissible for any financial holding company?

    Science.gov (United States)

    2010-01-01

    ... authority for digital signatures and authenticating the identity of persons conducting financial and... such products or services; or (2) A government or government agency that provides information concerning the services or benefits made available by the government or government agency, assists persons in...

  1. 76 FR 4992 - Agency Information Collection: Activity Under OMB Review: Report of Financial and Operating...

    Science.gov (United States)

    2011-01-27

    ... Administration (RITA), Bureau of Transportation Statistics (BTS), DOT. ACTION: Notice. SUMMARY: In compliance... and usefulness of BTS collecting financial data from large certificated air carriers. Large..., RTS-42, Room E36-303, RITA, BTS, 1200 New Jersey Avenue, SE., Washington, DC 20590-0001, Telephone...

  2. 76 FR 4993 - Agency Information Collection; Activity Under OMB Review; Report of Financial and Operating...

    Science.gov (United States)

    2011-01-27

    ... for Small Aircraft Operators AGENCY: Bureau of Transportation Statistics (BTS), DOT. ACTION: Notice... continuing need for and usefulness of BTS collecting financial, traffic and operating statistics from small... address whether BTS accurately estimated the reporting burden and if there are other ways to enhance the...

  3. Revaluation and the the internal audit limits that influence the financial-accounting activity

    OpenAIRE

    Dragos Laurentiu Zaharia; Luminita Dragne; Doina Maria Tilea

    2014-01-01

    Regarding the financial-accounting system, the internal audit aims at understanding the accounting and control systems finding and correcting the errors. The auditor must inform the general management about the obvious errors within the entity. The board must know evrything concerning these errors.

  4. A paperless course on structural engineering programming: investing in educational technology in the times of the Greek financial recession

    Science.gov (United States)

    Sextos, Anastasios G.

    2014-01-01

    This paper presents the structure of an undergraduate course entitled 'programming techniques and the use of specialised software in structural engineering' which is offered to the fifth (final) year students of the Civil Engineering Department of Aristotle University Thessaloniki in Greece. The aim of this course is to demonstrate the use of new information technologies in the field of structural engineering and to teach modern programming and finite element simulation techniques that the students can in turn apply in both research and everyday design of structures. The course also focuses on the physical interpretation of structural engineering problems, in a way that the students become familiar with the concept of computational tools without losing perspective from the engineering problem studied. For this purpose, a wide variety of structural engineering problems are studied in class, involving structural statics, dynamics, earthquake engineering, design of reinforced concrete and steel structures as well as data and information management. The main novelty of the course is that it is taught and examined solely in the computer laboratory ensuring that each student can accomplish the prescribed 'hands-on' training on a dedicated computer, strictly on a 1:1 student over hardware ratio. Significant effort has also been put so that modern educational techniques and tools are utilised to offer the course in an essentially paperless mode. This involves electronic educational material, video tutorials, student information in real time and exams given and assessed electronically through an ad hoc developed, personalised, electronic system. The positive feedback received from the students reveals that the concept of a paperless course is not only applicable in real academic conditions but is also a promising approach that significantly increases student productivity and engagement. The question, however, is whether such an investment in educational technology is indeed

  5. INVESTING AND PRODUCTION-FINANCIAL ACTIVITIES OF TNCS’ IN THE CONDITIONS OF GLOBALIZATION

    Directory of Open Access Journals (Sweden)

    Kateryna Zhylenko

    2017-09-01

    Full Text Available The purpose of the work is an exposure of modern tendencies of investment policy of TNC. Research of degree of a particular branch engaged in globalization processes. Mathematical, analytical and abstract-logical methods allowed analysing a dynamics, tendencies, and priorities of the direct foreign investment, carried out by TNCs. Methodology. The methodological base of the research is Ukrainian scientific works and foreign scientists and leading specialists, statistical and analytical materials of international organizations. Research results testify that there is no any direct dependence between of a particular branch interests in bringing in of DFI and real tendencies of their bringing in. It is analysed, in what industries of the economy of Ukraine direct foreign investments bring the most considerable contribution in the process of investing in the fixed assets. For estimation, the indexes of correlation of DFI in industry and investments in the fixed assets (FDI/FСI are used. Practical implication. It is possible to draw a conclusion that without bringing foreign capital into the Ukrainian economy it is sufficiently difficult to attain high values of the economy growing and development. Taking into account a difficult economic and promissory situation, the best for a country are private direct foreign investments, the main source of which are multinational corporations. The possibility of activation of the attraction of foreign direct investments to Ukraine is fully real, given the fact that as a result of economic and political changes, here is created a more favourable situation, than before reforms for the introduction in its economy of great foreign economic entities. At the same time, own large economic structures were formed in Ukraine: business concerns, consortia, associations, integrated associations, financial-industrial groups (FIG. Value/originality. It is impossible not to mark that Ukraine lags behind in carrying out market

  6. Financial markets and interest rate

    Directory of Open Access Journals (Sweden)

    Dudić Zdenka

    2012-01-01

    Full Text Available The paper 'Financial Markets and Interest Rate' originated from the thesis paper. This topic is very interesting and more and more present in the recent few years. Various changes in the market, increased competition, the development of information technologies, application of innovations, all these contribute to the rapid expansion of scope and use of financial derivatives. Therefore, under these influences, oscillations in various markets are present on a daily basis, so that the vast expansion of financial contracts is present, which is mainly related to interest rates. What are the world's best-known stock markets? What are the instruments most actively traded on stock exchanges? The words LIBOR and BBA LIBOR are frequently heard in today's media. What is LIBOR? What is BBA LIBOR? How and when is it determined? Where is LIBOR used?.

  7. The World Financial Crisis

    OpenAIRE

    F. Gerard Adams

    2009-01-01

    The world financial crisis of 2008 is a consequence of new financial technologies, new accounting methods and new international linkages. These developments have come at a time when governments have returned to an old-fashioned freemarket philosophy. This paper links the systemic financial/economic crisis of 2008 to the new economy developments, globalisation and policy philosophy perspectives of recent decades. It raises the question of how to re-establish confidence once traditional thinkin...

  8. First half 2006 financial results

    International Nuclear Information System (INIS)

    2006-09-01

    Areva provides technological solutions for highly reliable nuclear power generation and electricity transmission and distribution. The group is the world leader in nuclear power and the only company to cover all industrial activities in this field. This Press release presents the first half 2006 financial results: the overall performance and the performance by division (front end, reactors and services, back end, transmission and distribution). (A.L.B.)

  9. INNOVATIONS IN FINANCIAL ANALYTICS

    Directory of Open Access Journals (Sweden)

    T. V. Teplova

    2012-01-01

    Full Text Available In this paper as the main feature of innovation in the financial health of a company analyst view the shift to two circuits of key interests of owners of capital (financial stakeholders. Justifi ed by differences key financial systems within the contour ownership interest and the lender three projections: liquidity, the current economic efficiency and growth. In the paper as the main feature of the innovation in the analysis of the financial health of a company is considered a transition to the two circuits of the interests of the key owners of financial capital (financial stakeholders. Justifi ed differences of key financial indicator systems in the framework of the outline of the interests of the owner and the lender by three projections: liquidity, efficiency and the quality of growth. The examples of Russian companies have different interpretations of financial targets and indicators with a choice of activities.

  10. The impact of an m-Health financial incentives program on the physical activity and diet of Australian truck drivers

    OpenAIRE

    Gilson, Nicholas D.; Pavey, Toby G; Wright, Olivia RL; Vandelanotte, Corneel; Duncan, Mitch J; Gomersall, Sjaan; Trost, Stewart G.; Brown, Wendy J.

    2017-01-01

    Abstract Background Chronic diseases are high in truck drivers and have been linked to work routines that promote inactivity and poor diets. This feasibility study examined the extent to which an m-Health financial incentives program facilitated physical activity and healthy dietary choices in Australian truck drivers. Methods Nineteen men (mean [SD] age = 47.5 [9.8] years; BMI = 31.2 [4.6] kg/m2) completed the 20-week program, and used an activity tracker and smartphone application (Jawbone ...

  11. Positive Technology for Healthy Living and Active Ageing.

    Science.gov (United States)

    Riva, Giuseppe; Gaggioli, Andrea; Villani, Daniela; Cipresso, Pietro; Repetto, Claudia; Serino, Silvia; Triberti, Stefano; Brivio, Eleonora; Galimberti, Carlo; Graffigna, Guendalina

    2014-01-01

    Information and communication technologies are widely and rapidly spreading in people's daily lives. But what is the possible role of the mass proliferation of digital devices in supporting healthy living and active ageing? Are they useful in fostering personal growth and individual integration of the elderly, by promoting satisfaction, opportunities for action, and self-expression? Rather, do they enhance automation, impose constraints on personal initiative, and result in compulsive consumption of information? In this chapter, we suggest that possible answers to these questions will be offered by the "Positive Technology" approach, i.e., the scientific and applied approach to using technology so that it improves the quality of our personal experiences through its structuring, augmentation, and/or replacement. First, we suggest that it is possible to use technology to manipulate the quality of experience with the goal of increasing wellness and generating strengths and resilience in individuals, organizations, and society. Then, we classify positive technologies according to their effects on these three features of personal experience - Hedonic: technologies used to induce positive and pleasant experiences; Eudaimonic: technologies used to support individuals in reaching engaging and self-actualizing experiences; Social/Interpersonal: technologies used to support and improve the connectedness between individuals, groups, and organizations. Finally, we discuss the possible role of positive technologies for healthy living and active ageing by presenting different practical applications of this approach.

  12. Financial and Economic Support for the Activity and Publication Openness of Workers in the Scientific Sphere: Management Doctrine

    Directory of Open Access Journals (Sweden)

    Karpinsky Borys A.

    2017-12-01

    Full Text Available The aim of the article is both in the system identification of the financial and economic features of supporting the scientific sphere and in the development of a management doctrine to increase the efficiency of activity of scientific workers in the global scientific space by combining publication openness, motivational levers, business and consumer interests based on foreign experience and strategiology of development in the realities of Ukraine. It is determined that the publication openness of a particular scientist depends on the scientific openness of publications in national print media, which are not always transparent for the global scientific space. The advantages and disadvantages of using scientometric databases as to editions that ensure the openness of scientific research results in terms of financial possibilities are considered. There singled out the managerial preference of the Information and analytical system “Bibliometrics of the Ukrainian Science”, which allows creating a bibliometric profile of a particular scientist through the environment of Google Scholar and improve the “visibility” ensuring both the improvement of his/her competitiveness and increase in the financial and economic support. There considered administrative advantages of associative complexes, similar to the Ivy League universities in America, and for the first time from the perspective of the strategiology of development there synthesized an approach regarding the creation of the given organizational structure, where the most famous classical universities would be concentrated, in Ukraine. The advantage and perspectivity of the proposed measures is the system formation of the management doctrine of financial and economic support for the scientific sphere, the optimization of using the scientific potential of the territory and ensuring its correspondence to the needs of consumers and business, the activization of publication openness and efficiency

  13. The negative effect of financial constraints on planning prevention activities: some evidence from the Italian experience.

    Science.gov (United States)

    Rosso, Annalisa; De Vito, Corrado; Marzuillo, Carolina; Massimi, Azzurra; D'Andrea, Elvira; Villari, Paolo

    2015-12-01

    This study was aimed to assess the association between regional financial deficits and Recovery Plans and the quality of the 702 projects developed by the Italian Regions within the National Prevention Plan 2010-13. Multivariate analyses showed significant associations between Recovery Plans and low quality of projects, possibly due to weak regional public health capacities. Regions with Recovery Plans are likely to focus mainly on short-term issues with a high impact on health care costs, leaving few resources available for prevention. A different approach to financial deficit focused on long-term strategies, including those for health promotion and disease prevention, is needed. © The Author 2015. Published by Oxford University Press on behalf of the European Public Health Association. All rights reserved.

  14. THE ECONOMIC SUBSTANCE OF ACCOUNTING FOR FINANCIAL INVESTMENT AND THE PROSPECT OF USING “BLOCKCHAIN” TO CONTROL INVESTMENT ACTIVITY IN UKRAINE

    Directory of Open Access Journals (Sweden)

    Alina Lytvynenko

    2018-03-01

    Full Text Available The subject matter of the research is the financial investment and the application of innovative technologies to improve accounting in the context of investment management as one of the most important components of economic development. The goal is to study the methodology of reflecting financial investments of domestic enterprises. The objectives are to improve accounting of financial investments in the enterprise, to research the development prospects of accounting by introducing innovative technologies through the disclosure of theoretical aspects of research and the estimation of practical aspects of the study, the possibility of using the technology of blockchain in Ukraine to improve the financial reporting taking into account the experience of international partners (foreign countries. The methods used are system analysis and structural analysis. The following results are obtained. The state of investment accounting was analyzed and the prospects of using blockchain technology for improving auditing efficiency, increasing the transparency of financial investments and for counteracting corruption were found. Conclusions. During the analysis of the cause and effect relations of using innovative technologies in accounting, the immaturity of the existing accounting methodology was shown; this immaturity specifies incompleteness, the decline in the adequacy of accounting data in accordance with the realities of investment processes and the development of the industry as a whole. The use of blockchain technology enables restructuring the processes of accounting and their automation and increases the level of transparency of information disclosure by enterprises. Using blockchain for auditing becomes a unique solution as auditing affects all industries and is the foundation that helps global financial markets gain investor confidence. Taking into account the economic problems of Ukraine, the use of blockchain technology will help solve the

  15. Costs of success: Financial implications of implementation of active learning in introductory physics courses for students and administrators

    Science.gov (United States)

    Brewe, Eric; Dou, Remy; Shand, Robert

    2018-02-01

    Although active learning is supported by strong evidence of efficacy in undergraduate science instruction, institutions of higher education have yet to embrace comprehensive change. Costs of transforming instruction are regularly cited as a key factor in not adopting active-learning instructional practices. Some cite that alternative methods to stadium-style, lecture-based education are not financially viable to an academic department. This paper examines that argument by presenting an ingredients approach to estimating costs of two instructional methods used in introductory university physics courses at a large public U.S. university. We use a metric common in educational economics, cost effectiveness (CE), which is the total cost per student passing the class. We then compare the CE of traditional, passive-learning lecture courses to those of a well-studied, active-learning curriculum (Modeling Instruction) as a way of evaluating the claim that active learning is cost prohibitive. Our findings are that the Modeling Instruction approach has a higher cost per passing student (MI = 1 ,030 /passing student vs Trad = 790 /passing student). These results are discussed from perspectives of university administrators, students, and taxpayers. We consider how MI would need to adapt in order to make the benefits of active learning (particularly higher pass rates and gains on multiple measured student outcomes) available in a cost-neutral setting. This approach aims to provide a methodology to better inform decision makers balancing financial, personnel, and curricular considerations.

  16. Costs of success: Financial implications of implementation of active learning in introductory physics courses for students and administrators

    Directory of Open Access Journals (Sweden)

    Eric Brewe

    2018-02-01

    Full Text Available Although active learning is supported by strong evidence of efficacy in undergraduate science instruction, institutions of higher education have yet to embrace comprehensive change. Costs of transforming instruction are regularly cited as a key factor in not adopting active-learning instructional practices. Some cite that alternative methods to stadium-style, lecture-based education are not financially viable to an academic department. This paper examines that argument by presenting an ingredients approach to estimating costs of two instructional methods used in introductory university physics courses at a large public U.S. university. We use a metric common in educational economics, cost effectiveness (CE, which is the total cost per student passing the class. We then compare the CE of traditional, passive-learning lecture courses to those of a well-studied, active-learning curriculum (Modeling Instruction as a way of evaluating the claim that active learning is cost prohibitive. Our findings are that the Modeling Instruction approach has a higher cost per passing student (MI=$1,030/passing student vs Trad=$790/passing student. These results are discussed from perspectives of university administrators, students, and taxpayers. We consider how MI would need to adapt in order to make the benefits of active learning (particularly higher pass rates and gains on multiple measured student outcomes available in a cost-neutral setting. This approach aims to provide a methodology to better inform decision makers balancing financial, personnel, and curricular considerations.

  17. Active, Non-Intrusive Inspection Technologies for Homeland Defense

    International Nuclear Information System (INIS)

    James L. Jones

    2003-01-01

    Active, non-intrusive inspection or interrogation technologies have been used for 100 years - with the primary focus being radiographic imaging. During the last 50 years, various active interrogation systems have been investigated and most have revealed many unique and interesting capabilities and advantages that have already benefited the general public. Unfortunately, except for medical and specific industrial applications, these unique capabilities have not been widely adopted, largely due to the complexity of the technology, the overconfident reliance on passive detection systems to handle most challenges, and the unrealistic public concerns regarding radiation safety issues for a given active inspection deployment. The unique homeland security challenges facing the United States today are inviting more ''out-of-the-box'' solutions and are demanding the effective technological solutions that only active interrogation systems can provide. While revolutionary new solutions are always desired, these technology advancements are rare, and when found, usually take a long time to fully understand and implement for a given application. What's becoming more evident is that focusing on under-developed, but well-understood, active inspection technologies can provide many of the needed ''out-of-the-box'' solutions. This paper presents a brief historical overview of active interrogation. It identifies some of the major homeland defense challenges being confronted and the commercial and research technologies presently available and being pursued. Finally, the paper addresses the role of the Idaho National Engineering and Environmental Laboratory and its partner, the Idaho Accelerator Center at Idaho State University, in promoting and developing active inspection technologies for homeland defense

  18. Determinants of Foreign Technological Activity in German Regions

    DEFF Research Database (Denmark)

    Dettmann, Eva; Lacasa, Iciar Dominguez; Günther, Jutta

    This paper analyses the determinants of spatial distribution of foreign technological activity across 96 German regions (1996-2009). We identify foreign inventive activity by applying the ‘cross-border-ownership concept’ to transnational patent applications. The descriptive analysis shows...

  19. IAEA activities in technology development for advanced water-cooled nuclear power plants

    International Nuclear Information System (INIS)

    Juhn, Poong Eil; Kupitz, Juergen; Cleveland, John; Lyon, Robert; Park, Je Won

    2003-01-01

    As part of its Nuclear Power Programme, the IAEA conducts activities that support international information exchange, co-operative research and technology assessments and advancements with the goal of improving the reliability, safety and economics of advanced water-cooled nuclear power plants. These activities are conducted based on the advice, and with the support, of the IAEA Department of Nuclear Energy's Technical Working Groups on Advanced Technologies for Light Water Reactors (LWRs) and Heavy Water Reactors (HWRs). Assessments of projected electricity generation costs for new nuclear plants have shown that design organizations are challenged to develop advanced designs with lower capital costs and short construction times, and sizes, including not only large evolutionary plants but also small and medium size plants, appropriate to grid capacity and owner financial investment capability. To achieve competitive costs, both proven means and new approaches should be implemented. The IAEA conducts activities in technology development that support achievement of improved economics of water-cooled nuclear power plants (NPPs). These include fostering information sharing and cooperative research in thermo-hydraulics code validation; examination of natural circulation phenomena, modelling and the reliability of passive systems that utilize natural circulation; establishment of a thermo-physical properties data base; improved inspection and diagnostic techniques for pressure tubes of HWRs; and collection and balanced reporting from recent construction and commissioning experiences with evolutionary water-cooled NPPs. The IAEA also periodically publishes Status Reports on global development of advanced designs. (author)

  20. The Influence of Problem Based Learning Model toward Students’ Activities and Learning Outcomes on Financial Management Subject

    Directory of Open Access Journals (Sweden)

    Han Tantri Hardini

    2016-12-01

    Full Text Available This research aims to know the influence of problem based learning model toward students’ activities and achievement on Financial Management subject for undergraduate program students of Accounting Education. It was a quantitative research that used true experimental design. Samples of this study were undergraduate program students of Accounting Education in the year of 2014. Class A were control class and class B were experimental class. Data were analyzed by using t-test in order to determine the differences of learning outcomes between control class and experimental class. Then, questionnaires were distributed to gather students’ activities information in their students’ learning model. Findings show that there is an influence of Problem Based Learning model toward students’ activities and learning outcomes on Financial Management subject for undergraduate program students of Accounting Education since t-count ≥ t-table. It is 6.120 ≥ 1.9904. Students’ learning activities with Problem Based Learning model are better than students who are taught by conventional learning model.

  1. Active methodologies in Financial Management classes: an alternative to the traditional teaching method for awakening intrinsic motivation and developing autonomy

    Directory of Open Access Journals (Sweden)

    Guilherme Muniz Pereira Chaves Urias

    2017-01-01

    Full Text Available This article presents a pedagogical experience in Financial Management classes. The objective of this study was to investigate whether the educational activity based on active methodologies, applied in the Financial Management classes in an undergraduate course in Business Administration, can offer formative spaces that enhance the development of the students’ intrinsic motivation to the point of being relevant to the development of their autonomy and thus to be characterized as a viable manner of putting the Freirean pedagogy into practice. In order to do so, the adopted teaching strategy aimed at creating opportunities for interpretating problems that simulated real situations. A questionnaire was applied and the Bardinian content analysis was used to verify the students' impressions about the activity itself and its respective contribution to their professional and personal training. The analysis points to the fact that active methodologies are viable alternatives to the traditional method of teaching regarding the awakening of interest, motivation and the development of learning. It also points to their consonance with the Freirian pedagogy.

  2. Technology and industrialization in Spanish economy from 1950 to 1960: the patents as technological activity indicators

    International Nuclear Information System (INIS)

    Hidalgo Nuchera, A.; Molero Zayas, J.; Granda Gayo, I.

    2007-01-01

    The goal of this research is to study the innovative activity developed in the fifties by the Spanish industry focussing on the foreign technology incorporated in the activity of several industrial sectors. The structure of innovation in each sector has been characterized by using patents as technological activity indicators. The data of patents registered in Spain belonging to the 1950-1960 period have been obtained taking into account the research developed by the Department of Business Administration of the Universidad Politecnica de Madrid through a subsidy granted by the Spanish Patent Office. (Author)

  3. Ruin Analysis of a Discrete-Time Dependent Sparre Andersen Model with External Financial Activities and Randomized Dividends

    Directory of Open Access Journals (Sweden)

    Sung Soo Kim

    2016-02-01

    Full Text Available We consider a discrete-time dependent Sparre Andersen risk model which incorporates multiple threshold levels characterizing an insurer’s minimal capital requirement, dividend paying situations, and external financial activities. We focus on the development of a recursive computational procedure to calculate the finite-time ruin probabilities and expected total discounted dividends paid prior to ruin associated with this model. We investigate several numerical examples and make some observations concerning the impact our threshold levels have on the finite-time ruin probabilities and expected total discounted dividends paid prior to ruin.

  4. Interactions between financial stress and economic activity for the U.S.: A time- and frequency-varying analysis using wavelets

    Science.gov (United States)

    Ferrer, Román; Jammazi, Rania; Bolós, Vicente J.; Benítez, Rafael

    2018-02-01

    This paper examines the interactions between the main U.S. financial stress indices and several measures of economic activity in the time-frequency domain using a number of continuous cross-wavelet tools, including the usual wavelet squared coherence and phase difference as well as two new summary wavelet-based measures. The empirical results show that the relationship between financial stress and the U.S. real economy varies considerably over time and depending on the time horizon considered. A significant adverse effect of financial stress on U.S. economic activity is observed since the onset of the subprime mortgage crisis in the summer of 2007, indicating that the impact of financial market stress on the real economy is particularly severe during periods of major financial turmoil. Furthermore, the significant linkage between financial stress and the economic environment is mostly concentrated at time horizons from one to four years, demonstrating that the effect of financial stress on economic activity is especially visible in the long-run.

  5. Automated entry technologies for confined space work activities: A survey.

    Science.gov (United States)

    Botti, Lucia; Ferrari, Emilio; Mora, Cristina

    2017-04-01

    Work in confined spaces poses a significant risk to workers and rescuers involved in the emergency response when an accident occurs. Despite several standards and regulations define the safety requirements for such activities, injuries, and fatalities still occur. Furthermore, the on-site inspections after accidents often reveal that both employers and employees fail to implement safe entry procedures. Removing the risk is possible by avoiding the worker entry, but many activities require the presence of the operator inside the confined space to perform manual tasks. The following study investigates the available technologies for hazardous confined space work activities, e.g., cleaning, inspecting, and maintenance tasks. The aim is to provide a systematic review of the automated solutions for high-risk activities in confined spaces, considering the non-man entry as the most effective confined space safety strategy. Second, this survey aims to provide suggestions for future research addressing the design of new technologies. The survey consists of about 60 papers concerning innovative technologies for confined space work activities. The document review shows that several solutions have been developed and automation can replace the workers for a limited number of hazardous tasks. Several activities still require the manual intervention due to the complex characteristics of confined spaces, e.g., to remove the remains of the automatic cleaning process from the bottom of a tank. The results show that available technologies require more flexibility to adapt to such occupational environments and further research is needed.

  6. Evaluation of selected financial aspects in the Czech Republic: a research study about the international activities of Czech business

    Directory of Open Access Journals (Sweden)

    Meixnerová Lucie

    2017-01-01

    Full Text Available The paper deals with the evaluation of selected financial aspects of micro, small and medium-sized enterprises in the Czech conditions in the context of the international activities. The aim of this paper is to identify and evaluate whether there are dependencies between these indicators in the context of domestic and international environment by using selected methods. In the article are evaluated the results of our own survey of the development of micro, small and medium enterprises in the years 2009–2016, with a total of 650 respondents (SMEs. The author calculates and describes traditional financial indicators and international activities represented by ROA, ROE and ROC. Research findings confirm that the companies operating in the Czech environment show higher growth at those micro-enterprises without international activities. Companies operating in an international environment shown stronger growth among medium-sized businesses. This is due to the benefits of international cooperation, the size and development of the company, and the growing influence of the international environment on business entities.

  7. Presenting practice financial information.

    Science.gov (United States)

    Webster, Lee Ann H

    2007-01-01

    Medical practice leadership teams, often consisting primarily of physicians with limited financial backgrounds, must make important business decisions and continuously monitor practice operations. In order to competently perform this duty, they need financial reports that are relevant and easy to understand. This article explores financial reporting and decision-making in a physician practice. It discusses reports and tools, such as ratios, graphs, and comparisons, that practices typically include in their reports. Because profitability and cash flow are often the most important financial considerations for physician practices, reports should generally focus on the impact of various activities and potential decisions upon these concerns. This article also provides communication tips for both those presenting practice financial information and those making the decisions. By communicating effectively, these leaders can best use financial information to improve decision-making and maximize financial performance.

  8. Mobile technology and the value chain: Participants, activities and value creation

    Directory of Open Access Journals (Sweden)

    Coursaris, C.

    2008-01-01

    Full Text Available Technology has evolved significantly and it is increasingly being used by businesses and consumers alike. Technologies such as those supporting electronic business (e-Business and mobile business (m-Business are being used across organizations extensively in an attempt to improve operations and subsequently translate in either financial gains or strategic advantages. Opportunities for realizing either of the two types of benefits can be identified through an examination of a business’ value chain. This conceptual study begins by proposing a business-centric interaction model that helps explain the interactions among all participants involved in an organization’s possible activities. The paper then explores the potential fit of wireless and mobile technologies across a company’s value chain through the citation of potential mobile and wireless business applications currently available. Finally, a discussion on the expected benefits and relevant concerns of mobile technology, as well as considerations for future research are provided.

  9. Financial analysis as a financial management instrument

    Directory of Open Access Journals (Sweden)

    Stehlíková Beáta

    2001-12-01

    Full Text Available The financial market is one of the elements of the market-oriented economy. The financial analysis is a fundamental element of the financial controlling business. The purpose of this article is to inform briefly about horizontal and vertical financial statements analysis as the source of competitive advantage of the firm. The article is divided into two parts. First describes financial analysis and financial statements generally. Second, it presents a practical contribution of the horizontal and vertical financial statements analysis at the controlled businesses as financial management tools, which identify the financial position, market behaviour, correlations between the net profit and the prohibitively cost and operating profit, the financial activities profit, the income tax etc.Business, which the analysed firm operates in asks a provable claim on the high value of fixed assets. The capital composition of the firm is call to typify for the state-owned enterprise that was transformed to private joint-stock companies. Analysis is specially pleading for the needs considering the price of the borrowed capital in the capital structure rating. Fault factor ø value talks about needs for the cost regulation. Stair-step conception used for counting of the net profit in the accountant period indicates the financial profit, alternatively loss, as the distinguished pre-tax profit element. Picture about firm’s financial results can be completed with the information about the income tax value. Form of financial analyses presented in the article entablature the accents on the necessity to compare several accounting period and on the necessity of complex understanding of statements accounting slide “en bloc”.Financial analyse makes the decision makers possible to screen potential partners before the cooperation starts. On the other side, it makes a possibility to influence the production process, sales and financial management during the accounting

  10. Erecting a Sturdy Financial Structure.

    Science.gov (United States)

    West, Jeffrey J.

    1998-01-01

    Explanation of the technological setting in which college and university financial systems have developed is provided for financial officers, to aid in devising a plan for the chart of accounts and erecting an efficient, logical, flexible financial structure. Topics include software/hardware advances, understanding the demand for financial…

  11. A study of the financial history of the U.S. scheduled airlines and the improvement of airline profitability through technology

    Science.gov (United States)

    Wilcox, D. E.

    1975-01-01

    The financial history of the U.S. scheduled airline industry was investigated to determine the causes of the erratic profit performance of the industry and to evaluate potential economic gains from technology advances of recent years. Operational and economic factors affecting past and future profitability of the industry are discussed, although no attempt was made to examine the profitability of individual carriers. The results of the study indicate that the profit erosion of the late 1960's and early 1970's was due more to excess capacity than to inadequate fare levels, but airline problems were severely compounded by the rapid fuel price escalation in 1974 and 1975. Near-term solutions to the airline financial problems depend upon the course of action by the industry and the CAB and the general economic health of the nation. For the longer term, the only acceptable alternative to continued fare increases is a reduction in unit operating costs through technological advance. The next generation of transports is expected to incorporate technologies developed under Government sponsorship in the 1960's and 1970's with significant improvements in fuel consumption and operating costs.

  12. INSTABILITY MODELING OF FINANCIAL PYRAMIDS

    OpenAIRE

    Girdzijauskas, Stasys; Moskaliova, Vera

    2005-01-01

    The financial structures that make use of money flow for “easy money” or cheating purpose are called financial pyramids. Recently financial pyramids intensively penetrates IT area. It is rather suitable way of the fraud. Money flow modeling and activity analysis of such financial systems allows identifying financial pyramids and taking necessary means of precautions. In the other hand even investing companies that function normally when market conditions changes (e.g. interest rates) eventual...

  13. Morocco; Financial System Stability Assessment

    OpenAIRE

    International Monetary Fund

    2003-01-01

    The Financial System Stability Assessment of Morocco reviews the reform program that is aimed at establishing a modern, market-oriented financial system that optimizes the mobilization of savings and the allocation of financial resources. It reviews the modernization of the banking sector and the development of competition within the sector, development of financial markets, and removal of constraints on financial system activity. It also provides reports on the Observance of Standards and Co...

  14. Coordinating technology introduction and entrepreneurial activities in rural areas

    NARCIS (Netherlands)

    Fokkema, J.E.; Pennink, B.J.W.; Simatupang, T.M.

    2017-01-01

    © Copyright 2017 Inderscience Enterprises Ltd. The main purpose of this research is to investigate how technology introduction projects in rural areas should be coordinated in order to achieve local economic development and the role of social capital and entrepreneurial activities. Characteristics

  15. IAEA activities in gas-cooled reactor technology development

    International Nuclear Information System (INIS)

    Cleveland, J.; Kupitz, J.

    1992-01-01

    The International Atomic Energy Agency (IAEA) has the charter to ''foster the exchange of scientific and technical information'', and ''encourage and assist research on, and development and practical application of, atomic energy for peaceful uses throughout the world''. This paper describes the Agency's activities in Gas-cooled Reactor (GCR) technology development

  16. Applying big data technologies in the financial sector – using sentiment analysis to identify correlations in the stock market

    Directory of Open Access Journals (Sweden)

    Eszter Katalin Bognár

    2016-06-01

    Full Text Available The aim of this article is to introduce a system that is capable of collecting and analyzing different types of financial data to support traders in their decision - making. Oracle’s Big Data platform Oracle Advanced Analytics was utilized, which extends the Oracle Database with Oracle R, thus providing the opportunity to run embedded R scripts on the database server to speed up data processing. The extract, transform and load (ETL process was combined with a dictionary - based sentiment analysis module to examine cross - correlation and causality between numerical and textual financial data for a 10 week period. A notable correlation (0.42 was found between daily news sentiment scores and daily stock returns. By applying cross - correlation analysis and Granger causality testing, the results show that the news’ impact is incorporated into stock prices rapidly, having the highest correlation on the first day, while the returns’ impact on market sentiment is seen only after a few days.

  17. Financial Integration and Asset Returns

    OpenAIRE

    P Martin; H Rey

    2000-01-01

    The paper investigates the impact of financial integration on asset return, risk diversification and breadth of financial markets. We analyse a three-country macroeconomic model in which (i) the number of financial assets is endogenous; (ii) assets are imperfect substitutes; (iii) cross-border asset trade entails some transaction costs; (iv) the investment technology is indivisible. In such an environment, lower transaction costs between two financial markets translate to higher demand for as...

  18. Blockchain based financial case analysis and its implications

    Directory of Open Access Journals (Sweden)

    Soonduck Yoo

    2017-12-01

    Full Text Available Purpose - In Korea and abroad, this paper investigates the use of blockchains in the financial sector. This study aims to examine how blockchains are applied to the financial sector and how to respond to the Korean conditions. Design/methodology/approach - This paper investigates the movements of the financial sector and related services using the blockchain in the current market. Findings - First, as a result of examining domestic and foreign cases, it can be seen that the areas where blockchains are most actively applied in the financial sector are expanding into settlement, remittance, securities and smart contracts. Also, in Korea, many of the authentication procedures based on the equipment possessed by the consumers are used so that introduction of the blockchain in the authentication part is prominent. Second, the move to introduce a closed (private distributed ledger that does not go through the central bank is accelerating in payments between banks. Third, domestic financial institutions also need joint action by financial institutions through a blockchain consortium to apply blockchain technology to the financial sector. Fourth, consumer needs and technological developments are changing. At the same time, as the opportunity to infringe on the information held by individuals has expanded, the need for blockchain technology is strongly emerging because of the efforts of the organizations to defend it. Originality/value - This paper contributes to understanding the changes in the financial sector using the blockchain.

  19. Active fiber optic technologies used as tamper-indicating devices

    International Nuclear Information System (INIS)

    Horton, P.R.V.; Waddoups, I.G.

    1995-11-01

    The Sandia National Laboratories (SNL) Safeguards and Seals Evaluation Program is evaluating new fiber optic active seal technologies for use at Department of Energy (DOE) facilities. The goal of the program is to investigate active seal technologies that can monitor secured containers storing special nuclear materials (SNM) within DOE vaults. Specifically investigated were active seal technologies that can be used as tamper-indicating devices to monitor secured containers within vaults while personnel remain outside the vault area. Such a system would allow minimal access into vaults while ensuring container content accountability. The purpose of this report is to discuss tamper-indicating devices that were evaluated for possible DOE use. While previous seal evaluations (Phase I and II) considered overall facility applications, this discussion focuses specifically on their use in vault storage situations. The report will highlight general background information, specifications and requirements, and test procedures. Also discussed are the systems available from four manufacturers: Interactive Technologies, Inc., Fiber SenSys, Inc., Inovonics, Inc., and Valve Security Systems

  20. Financial Innovation: Alternatif 'Menjanjikan' Dalam Dunia Keuangan

    OpenAIRE

    Bertha

    2008-01-01

    Financial innovation has more influences for company and investor who want to borrow or lending. Financial economics, law and regulator, technology change, etc. exactly will be influences successful of financial innovation. Stimulated financial innovation was importance so that could achieve maximum success. Financial market especially capital market also being more efficient and effective. But it had been supported improvement society knowledge about how financial innovation arising, why som...

  1. 17 CFR 210.4-10 - Financial accounting and reporting for oil and gas producing activities pursuant to the Federal...

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Financial accounting and... of General Application § 210.4-10 Financial accounting and reporting for oil and gas producing... section prescribes financial accounting and reporting standards for registrants with the Commission...

  2. 75 FR 21648 - MMS Information Collection Activity: 1010-0106, Oil Spill Financial Responsibility for Offshore...

    Science.gov (United States)

    2010-04-26

    ... comment and provide your total capital and startup cost components or annual operation, maintenance, and..., including system and technology acquisition, expected useful life of capital equipment, discount rate(s), and the period over which you incur costs. Capital and startup costs include, among other items...

  3. The activities of HPPA technology related to ADS in China

    CERN Document Server

    Guan Xia Ling; Ding Da Zhao; Fang Jia Xun; Fang Shou Xian; Fu Shin Ian; Guo, Z Y; Jiang Wei; Li Jie Quan; Luo Zi Hua; Ouyang Hua Fu; Peng Chao Hua; Xu Tao Guang; Xu Wen Wu; Yu Qi; Zhang Zong Hua; Zhao Sheng Chu

    2001-01-01

    High Power Proton Accelerator (HPPA) is being studied all over world for numerous applications, which includes the waste transmutation, spallation neutron source and material irradiation facilities. In China, a multi-purpose verification system as a first phase of Chinese ADS program consists of a low energy accelerator (150 MeV/3 mA proton linac) and a swimming pool light water sub-critical reactor. The activities of HPPA technology related to ADS in China, which includes the intense proton ECR source, the RFQ accelerator and some other technology of HPPA, are described

  4. The activities of HPPA technology related to ADS in China

    International Nuclear Information System (INIS)

    Guan Xialing; Jiang Weisheng; Cui Baoqun; Peng Chaohua; Ding Dazhao; Fu Shinian; Yu Qingchang; Luo Zihua; Xu Wenwu; Ouyang Huafu; Xu Taoguang; Zhao Shengchu; Zhang Zonghua; Li Jian; Fang Shouxian

    2002-01-01

    High Power Proton Accelerator (HPPA) is being studied all over world for numerous applications, which includes the waste transmutation, spallation neutron source and material irradiation facilities. In China, a multi-purpose verification system as a first phase of Chinese ADS program consists of a low energy accelerator (150 MeV/3 mA proton linac) and a swimming pool light water sub-critical reactor. The activities of HPPA technology related to ADS in China, which includes the intense proton ECR source, the RFQ accelerator and some other technology of HPPA, are described

  5. Toshiba's activity concerning technology succession and human resource development

    International Nuclear Information System (INIS)

    Ogura, Kenji; Hoshide, Akehiko

    2008-01-01

    Recently, from the viewpoint of the reduction of carbon-dioxide emission that cause global warming and the energy security, the importance of nuclear power generation is recognized again as an effective approach for solving the problems, and many nuclear power plants are planed to be constructed worldwide. On the other hand, the experienced engineers will face the time of the retirement in the near future and technology succession and human resource development has become important problems. In this paper, Toshiba's Nuclear Energy Systems and Services Division's activity concerning technology succession and human resource development will be introduced. (author)

  6. Financial Statements

    International Development Research Centre (IDRC) Digital Library (Canada)

    Financial Statements and accompanying notes provided on .... to good governance principles. there is the risk that ...... responsibilities of the centre's internal auditor includes reviewing internal controls, including accounting and financial.

  7. IN SITU REMEDIATION OF CONTAMINATED SEDIMENTS - ACTIVE CAPPING TECHNOLOGY

    Energy Technology Data Exchange (ETDEWEB)

    Knox, A.; Roberts, J.; Paller, M.; Reible, D.

    2010-09-02

    Active capping is a relatively new approach for treating contaminated sediments. It involves applying chemically reactive amendments to the sediment surface. The main role of active caps is to stabilize contaminants in contaminated sediments, lower the bioavailable pool of contaminants, and reduce the release of contaminants to the water column. Metals are common contaminants in many marine and fresh water environments as a result of industrial and military activities. The mobile, soluble forms of metals are generally considered toxic. Induced chemical precipitation of these metals can shift toxic metals from the aqueous phase to a solid, precipitated phase which is often less bioavailable. This approach can be achieved through application of sequestering agents such as rock phosphates, organoclays, zeolites, clay minerals, and biopolymers (e.g., chitosan) in active capping technology. Active capping holds great potential for a more permanent solution that avoids residual risks resulting from contaminant migration through the cap or breaching of the cap. In addition to identifying superior active capping agents, research is needed to optimize application techniques, application rates, and amendment combinations that maximize sequestration of contaminants. A selected set of active capping treatment technologies has been demonstrated at a few sites, including a field demonstration at the Savannah River Site, Aiken, SC. This demonstration has provided useful information on the effects of sequestering agents on metal immobilization, bioavailability, toxicity, and resistance to mechanical disturbance.

  8. In Situ Remediation Of Contaminated Sediments - Active Capping Technology

    International Nuclear Information System (INIS)

    Knox, A.; Roberts, J.; Paller, M.; Reible, D.

    2010-01-01

    Active capping is a relatively new approach for treating contaminated sediments. It involves applying chemically reactive amendments to the sediment surface. The main role of active caps is to stabilize contaminants in contaminated sediments, lower the bioavailable pool of contaminants, and reduce the release of contaminants to the water column. Metals are common contaminants in many marine and fresh water environments as a result of industrial and military activities. The mobile, soluble forms of metals are generally considered toxic. Induced chemical precipitation of these metals can shift toxic metals from the aqueous phase to a solid, precipitated phase which is often less bioavailable. This approach can be achieved through application of sequestering agents such as rock phosphates, organoclays, zeolites, clay minerals, and biopolymers (e.g., chitosan) in active capping technology. Active capping holds great potential for a more permanent solution that avoids residual risks resulting from contaminant migration through the cap or breaching of the cap. In addition to identifying superior active capping agents, research is needed to optimize application techniques, application rates, and amendment combinations that maximize sequestration of contaminants. A selected set of active capping treatment technologies has been demonstrated at a few sites, including a field demonstration at the Savannah River Site, Aiken, SC. This demonstration has provided useful information on the effects of sequestering agents on metal immobilization, bioavailability, toxicity, and resistance to mechanical disturbance.

  9. Implementation of a workplace intervention using financial rewards to promote adherence to physical activity guidelines: a feasibility study.

    Science.gov (United States)

    Losina, Elena; Smith, Savannah R; Usiskin, Ilana M; Klara, Kristina M; Michl, Griffin L; Deshpande, Bhushan R; Yang, Heidi Y; Smith, Karen C; Collins, Jamie E; Katz, Jeffrey N

    2017-12-01

    We designed and implemented the Brigham and Women's Wellness Initiative (B-Well), a single-arm study to examine the feasibility of a workplace program that used individual and team-based financial incentives to increase physical activity among sedentary hospital employees. We enrolled sedentary, non-clinician employees of a tertiary medical center who self-reported low physical activity. Eligible participants formed or joined teams of three members and wore Fitbit Flex activity monitors for two pre-intervention weeks followed by 24 weeks during which they could earn monetary rewards. Participants were rewarded for increasing their moderate-to-vigorous physical activity (MVPA) by 10% from the previous week or for meeting the Centers for Disease Control and Prevention (CDC) physical activity guidelines (150 min of MVPA per week). Our primary outcome was the proportion of participants meeting weekly MVPA goals and CDC physical activity guidelines. Secondary outcomes included Fitbit-wear adherence and factors associated with meeting CDC guidelines more consistently. B-Well included 292 hospital employees. Participants had a mean age of 38 years (SD 11), 83% were female, 38% were obese, and 62% were non-Hispanic White. Sixty-three percent of participants wore the Fitbit ≥4 days per week for ≥20 weeks. Two-thirds were satisfied with the B-Well program, with 79% indicating that they would participate again. Eighty-six percent met either their personal weekly goal or CDC physical activity guidelines for at least 6 out of 24 weeks, and 52% met their goals or CDC physical activity guidelines for at least 12 weeks. African Americans, non-obese subjects, and those with lower impulsivity scores reached CDC guidelines more consistently. Our data suggest that a financial incentives-based workplace wellness program can increase MVPA among sedentary employees. These results should be reproduced in a randomized controlled trial. Clinicaltrials.gov, NCT02850094

  10. INVESTMENT ACTIVITY OF AGRIBUSINESS IN THE AGROINDUSTRIAL COMPLEX REGION, AS ONE OF THE ELEMENTS OF THE FINANCIAL SECURITY OF THE AGRO-INDUSTRIAL COMPLEX OF THE STATE

    Directory of Open Access Journals (Sweden)

    Olga Nikolaevna Uglitskikh

    2015-09-01

    Full Text Available The developed economic-political situation around of Russia, specifies an indispensability of support of agricultural commodity producers as from their financial well-being, investment activity the financial security of agrarian and industrial complex of the state depends. Limitation of own financial resources at agrarians does not allow them to realize independently conceived projects. Studying of questions of formation and functioning of investment activity in agriculture of Stavropol Territory and an assessment of investment projects offered to reali-zation, have allowed to analyse investment activity of agrarian and industrial complex of region up to the introduction of Russia into WTO and in conditions of its membership. By results of the lead assessment the administrative areas of region showing the greatest investment activity, threats of a financial security of agrarian and industrial complex of region not putting by the activity have been revealed. It is drawn a conclusion on influence West-American sanctions on financial without-danger agra-rian and industrial complex of the state and the responsibility сельхозтоваропроизводителей about delivery of agricultural production in necessary volume and import substitution.

  11. Financial Derivatives

    OpenAIRE

    Janečková, Alena

    2011-01-01

    1 Abstract/ Financial derivatives The purpose of this thesis is to provide an introduction to financial derivatives which has been, from the legal perspective, described in a not satisfactory manner as quite little literature that can be found about this topic. The main objectives of this thesis are to define the term "financial derivatives" and its particular types and to analyse legal nature of these financial instruments. The last objective is to try to draft future law regulation of finan...

  12. Household financial behavior

    NARCIS (Netherlands)

    Brounen, Dirk; Koedijk, Kees; Pownall, Rachel

    2016-01-01

    Greater personal responsibility toward financial decision-making is being advocated on a global basis. Individuals and households are encouraged to take a more active approach to personal finance. In this paper, we examine behavioral factors, which lead households toward savings and financial

  13. The convergence between self-reports and observer ratings of financial skills and direct assessment of financial capabilities in patients with schizophrenia: more detail is not always better.

    Science.gov (United States)

    Harvey, Philip D; Stone, Laura; Lowenstein, David; Czaja, Sara J; Heaton, Robert K; Twamley, Elizabeth W; Patterson, Thomas L

    2013-06-01

    Despite multiple lines of evidence suggesting that people with schizophrenia tend to overestimate their ability to perform everyday tasks such as money management, self-report methods are still widely used to assess functioning. In today's technology driven financial world patients are faced with increasingly complex financial management tasks. To meet these challenges adequate financial skills are required. Thus, accurate assessments of these abilities are critical to decisions regarding a patient's need for support such as a financial trustee. As part of the larger VALERO study, 195 patients with schizophrenia were asked to self-report their everyday financial skills (five common financial tasks) with the Independent Living Skills Survey (ILSS). They were also assessed with performance-based measures of neuro-cognition and functional capacity with a focus on financial skills. In addition, a friend, relative, or clinician informant was interviewed with the ILSS and a best estimate rating of functioning was generated. Scores on the performance-based measures of financial skills and neuropsychological tests were uncorrelated with self-reported financial activities. Interviewer and all informant judgments of financial abilities were also minimally correlated with performance on functional skill tests. Discrete financial skills appear to be challenging for clinicians to rate with accuracy without the use of direct assessments. Direct assessment of financial skills seems prudent when making determinations about the need for guardianship or other financial supervision. Copyright © 2013 Elsevier B.V. All rights reserved.

  14. Extravehicular Activity (EVA) Technology Development Status and Forecast

    Science.gov (United States)

    Chullen, Cinda; Westheimer, David T.

    2010-01-01

    Beginning in Fiscal Year (FY) 2011, Extravehicular activity (EVA) technology development became a technology foundational domain under a new program Enabling Technology Development and Demonstration. The goal of the EVA technology effort is to further develop technologies that will be used to demonstrate a robust EVA system that has application for a variety of future missions including microgravity and surface EVA. Overall the objectives will be reduce system mass, reduce consumables and maintenance, increase EVA hardware robustness and life, increase crew member efficiency and autonomy, and enable rapid vehicle egress and ingress. Over the past several years, NASA realized a tremendous increase in EVA system development as part of the Exploration Technology Development Program and the Constellation Program. The evident demand for efficient and reliable EVA technologies, particularly regenerable technologies was apparent under these former programs and will continue to be needed as future mission opportunities arise. The technological need for EVA in space has been realized over the last several decades by the Gemini, Apollo, Skylab, Space Shuttle, and the International Space Station (ISS) programs. EVAs were critical to the success of these programs. Now with the ISS extension to 2028 in conjunction with a current forecasted need of at least eight EVAs per year, the EVA technology life and limited availability of the EMUs will become a critical issue eventually. The current Extravehicular Mobility Unit (EMU) has vastly served EVA demands by performing critical operations to assemble the ISS and provide repairs of satellites such as the Hubble Space Telescope. However, as the life of ISS and the vision for future mission opportunities are realized, a new EVA systems capability could be an option for the future mission applications building off of the technology development over the last several years. Besides ISS, potential mission applications include EVAs for

  15. ECONOMIC AND FINANCIAL ASPECTS OF ACTIVITY IN SC INAGRO L.L.C. - CRAIOVA, DOLJ

    Directory of Open Access Journals (Sweden)

    Dragoş Mihai MEDELETE

    2013-10-01

    Full Text Available The unit was established in 2003, with the object of "growing plants of the field" - CAEN code 0111. When setting up the unit has had a share capital of 2,000,000 ROL, based in Craiova and Predesti branch in town. It operates 180 ha, which is grown mainly wheat and sunflower crops of maize, barley and oats are grown on small surfaces. The Unit has a number of 5 permanent employees, and during campaigns calling about 10 laborers. Heritage includes an administrative office, huts, warehouses, sector of mechanization, etc.. Based on the three categories of income (operating, financial and extraordinary are formed farm's total revenue, which is as follows: 176 777 lei in 2009, 193,356 lei in the year 2010 to 109.4% in dynamics, 371 766 lei for 2011 (outrunning 2.10 times the reporting base 247,299.7 lei period average (39.9% compared to 2009 - term of reference. Total operating expenses based on total material costs, personnel costs, adjustments and other operating expenses. Based on parameter values, remember earlierhas been reached sequential levels of: 163 478 lei in 2009, 173,779 lei in 2010 (+6.3% dynamic 210 371 lei in 2011 (+28.7% compared to the period reference 210 371 lei for period average (11.7% in the dynamics. Gross profit is equal to current income as farm profit or extraordinary loss has not registered. The gross profit rate is equal to the current rate of profit as the company has not registered extraordinary profit or loss.

  16. 22 CFR 1203.735-206 - Economic and financial activities of employees abroad.

    Science.gov (United States)

    2010-04-01

    ... one's official title in any private business transactions or in advertisements for business purposes. (b)-(c) [Reserved] (d) Business activities of non-U.S. citizen employees. A non-U.S citizen employee abroad may engage in outside business activities with the prior approval of the head of the overseas...

  17. Technology Alliance Portfolios and Financial Performance : Value-Enhancing and Cost-Increasing Effects of Open Innovation

    NARCIS (Netherlands)

    Faems, Dries; de Visser, Matthias; Andries, Petra; Van Looy, Bart

    Firms increasingly adopt an open innovation model in which they rely on technology alliances to complement and supplement their internal innovation efforts. Although previous studies provide in-depth insight into the impact of technology alliances on the innovation performance, they remain

  18. Technology alliance portfolios and financial performance: Value-enhancing and cost-increasing effects of open innovation.

    NARCIS (Netherlands)

    Faems, D.L.M.; de Visser, Matthias; Andries, Petra; van Looy, Bart; van Looy, Bart

    2010-01-01

    Firms increasingly adopt an open innovation model in which they rely on technology alliances to complement and supplement their internal innovation efforts. Although previous studies provide in-depth insight into the impact of technology alliances on the innovation performance, they remain

  19. Technology Alliance Portfolios and Financial Performance : Value-Enhancing and Cost-Increasing Effects of Open Innovation

    NARCIS (Netherlands)

    Faems, Dries; de Visser, Matthias; Andries, Petra; Van Looy, Bart

    2010-01-01

    Firms increasingly adopt an open innovation model in which they rely on technology alliances to complement and supplement their internal innovation efforts. Although previous studies provide in-depth insight into the impact of technology alliances on the innovation performance, they remain

  20. Strategic activity and financial performance of U.S. rural hospitals: a national study, 1983 to 1988.

    Science.gov (United States)

    Mick, S S; Morlock, L L; Salkever, D; de Lissovoy, G; Malitz, F; Wise, C G; Jones, A

    1994-01-01

    This study examines the effect of 13 strategic management activities on the financial performance of a national sample of 797 U.S. rural hospitals during the period of 1983-1988. Controlled for environment-market, geographic-region, and hospital-related variables, the results show almost no measurable effect of strategic adoption on rural hospital profitability and liquidity. Where statistically significant relationships existed, they were more often negative than positive. These findings were not expected; it was hypothesized that positive effects across a broad range of strategies would emerge, other things being equal. Discussed are possible explanations for these findings as well as their implication for a rural health policy relying on individual rural hospital strategic adaptation to environmental change.

  1. Physical Activity in an Underserved Population: Identifying Technology Preferences.

    Science.gov (United States)

    Medairos, Robert; Kang, Vicky; Aboubakare, Carissa; Kramer, Matthew; Dugan, Sheila Ann

    2017-01-01

    This study aims to identify patterns of use and preferences related to technology platforms that could support physical activity (PA) programs in an underserved population. A 29-item questionnaire was administered at 5 health and wellness sites targeting low income communities in Chicago. Frequency tables were generated for Internet, cell phone, and social media use and preferences. Chi-squared analysis was used to evaluate differences across age and income groups. A total of 291 individuals participated and were predominantly female (69.0%). Majority reported incomes less than $30,000 (72.9%) and identified as African American/Black/Caribbean (49.3%) or Mexican/Mexican American (34.3%). Most participants regularly used smartphones (63.2%) and the Internet (75.9%). Respondents frequently used Facebook (84.8%), and less commonly used Instagram (43.6%), and Twitter (20.0%). Free Internet-based exercise programs were the most preferred method to increase PA levels (31.6%), while some respondents (21.0%) thought none of the surveyed technology applications would help. Cell phone, Internet, and social media use is common among the surveyed underserved population. Technology preferences to increase PA levels varied, with a considerable number of respondents not preferring the surveyed technology platforms. Creating educational opportunities to increase awareness may maximize the effectiveness of technology-based PA interventions.

  2. Air Force Supply Management Analysis of Activity Groups Financial Reports, Prices, and Cash Management

    National Research Council Canada - National Science Library

    1998-01-01

    The Air Force supply management activity group provides about two million types of inventory items, including weapon system spare parts, fuels, and medical-dental supplies, to customers which consist...

  3. Financial Performance, Costs, and Active Management of U.S. Socially Responsible Investment Funds

    NARCIS (Netherlands)

    Chen, Jimmy; Scholtens, Bert

    2016-01-01

    Responsible investors, like regular investors, need to investigate whether to actively or passively manage their investments. This especial is of interest for responsible investing as it requires additional information generation and processing compared to more conventional investing. This study

  4. Progress report on scientific and technological activities: 1996

    International Nuclear Information System (INIS)

    1997-01-01

    An overview of research and development activities of the Constituyentes Atomic Center, National Atomic Energy Commission (Argentine), during the period January-December 1996 is presented. The research and development activities are reported under the following headings: Fuel Elements; Non Destructive and Structural Test; Physics; Materials; Chemistry; Radiobiology Nuclear Reactors; Institute of Technology; Quality Management; Technical Assistance to Industry (SATI); Computer and Communication Services Center; Nuclear Power Stations Support Group. List of publications by the scientific staff of the Atomic Center is provided. The list includes paper published in journals, papers presented in conferences, symposia, etc., and technical reports

  5. Progress report on scientific and technological activities: 1995

    International Nuclear Information System (INIS)

    1996-01-01

    An overview of research and development activities of the Constituyentes Atomic Center, National Atomic Energy Commission (Argentine), during the period January-December 1995 is presented. The research and development activities are reported under the following headings: Fuel Elements; Non Destructive and Structural Test; Physics; Materials; Chemistry; Radiobiology Nuclear Reactors; Institute of Technology; Quality Management; Technical Assistance to Industry (SATI); Computer and Communication Services Center; Nuclear Power Stations Support Group. List of publications by the scientific staff of the Atomic Center is provided. The list includes paper published in journals, papers presented in conferences, symposia, etc., and technical reports

  6. Financial Literacy and Financial Behaviour

    NARCIS (Netherlands)

    Sayinzoga, Aussi; Bulte, Erwin H.; Lensink, Robert

    2016-01-01

    We organise a field experiment with smallholder farmers in Rwanda to measure the impact of financial literacy training on financial knowledge and behaviour. The training increased financial literacy of participants, changed their savings and borrowing behaviour and had a positive effect on the

  7. Storytelling: a care technology in continuing education for active ageing.

    Science.gov (United States)

    Costa, Nadia Pinheiro da; Polaro, Sandra Helena Isse; Vahl, Eloá Aparecida Caliari; Gonçalves, Lucia Hisako Takase

    2016-01-01

    assessing relevance and effectiveness of care/educational technology in the form of "storytelling" as a strategy in the cultivation of active ageing (AA) for elderly users of a Basic Health Unit (BHU), from the Amazon region. convergent care research (CCR) held in a BHU in Belém, state of Pará, with eight elderly ladies for testing this technology. An active ageing assessment questionnaire and WHOQOL-BREF - quality of life assessment were applied. After training with a view to continuing education, elderly ladies told stories for an audience that addressed the question: "What did you learn from it for your life?" tThe popular stories elicited reactions from which the following categories emerged: solidarity; respect for the other; imagination, dreams, hopes and culture of the Amazonian. This practice had a positive result, producing changes in the quality of life of the elderly, particularly in the psychological domain. "storytelling" proved to be an innovative technology, a relevant and effective resource in health education, especially for active ageing.

  8. Activation analysis in the environment: Science and technology

    International Nuclear Information System (INIS)

    Lenihan, J.

    1989-01-01

    Science is disciplined curiosity. Activation analysis was created more than 50 yr ago by Hevesy's curiosity and Levi's experimental skill. Technology is the exploitation of machines and materials for the fulfillment of human needs or wants. The early history of neutron activation analysis (NAA) was greatly influenced by military requirements. Since then the technique has found applications in many disciplines, including materials science, medicine, archaeology, geochemistry, agriculture, and forensic science. More recently, neutron activation analysts, responding to increasing public interest and concern, have made distinctive contributions to the study of environmental problems. Activation analysis, though it uses some procedures derived from physics, is essentially a chemical technique. The chemical study of the environment may be reviewed under many headings; three are discussed here: 1. occupational medicine 2. health of the general public 3. environmental pollution

  9. Tracking Activities in Complex Settings Using Smart Environment Technologies.

    Science.gov (United States)

    Singla, Geetika; Cook, Diane J; Schmitter-Edgecombe, Maureen

    2009-01-01

    The pervasive sensing technologies found in smart homes offer unprecedented opportunities for providing health monitoring and assistance to individuals experiencing difficulties living independently at home. A primary challenge that needs to be tackled to meet this need is the ability to recognize and track functional activities that people perform in their own homes and everyday settings. In this paper we look at approaches to perform real-time recognition of Activities of Daily Living. We enhance other related research efforts to develop approaches that are effective when activities are interrupted and interleaved. To evaluate the accuracy of our recognition algorithms we assess them using real data collected from participants performing activities in our on-campus smart apartment testbed.

  10. Radiology applications of financial accounting.

    Science.gov (United States)

    Leibenhaut, Mark H

    2005-03-01

    A basic knowledge of financial accounting can help radiologists analyze business opportunities and examine the potential impacts of new technology or predict the adverse consequences of new competitors entering their service area. The income statement, balance sheet, and cash flow statement are the three basic financial statements that document the current financial position of the radiology practice and allow managers to monitor the ongoing financial operations of the enterprise. Pro forma, or hypothetical, financial statements can be generated to predict the financial impact of specific business decisions or investments on the profitability of the practice. Sensitivity analysis, or what-if scenarios, can be performed to determine the potential impact of changing key revenue, investment, operating cost or financial assumptions. By viewing radiology as both a profession and a business, radiologists can optimize their use of scarce economic resources and maximize the return on their financial investments.

  11. The Importance of Financial Services in the International Context: Challenges for Stability*

    OpenAIRE

    Kaspar Villiger

    2001-01-01

    The financial services industry is one that is being transformed by technological advances and structural change. The consolidation of financial services – so-called ‘Allinance’ or ‘Bancassurance’ activities – is one example of these trends. The financial services industry is of crucial importance for the Swiss economy, representing more than 10 per cent of GDP. It thus contributes substantially to prosperity in our country. And it helps create good operating conditions for industry: I am thi...

  12. Relating group size and posting activity of an online community of financial investors: Regularities and seasonal patterns

    Science.gov (United States)

    Racca, P.; Casarin, R.; Dondio, P.; Squazzoni, F.

    2018-03-01

    Group size can potentially affect collective activity and individual propensity to contribute to collective goods. Mancur Olson, in his Logic of Collective Action, argued that individual contribution to a collective good tends to be lower in groups of large size. Today, online communication platforms represent an interesting ground to study such collaborative dynamics under possibly different conditions (e.g., lower costs related to gather and share information). This paper examines the relationship between group size and activity in an online financial forum, where users invest time in sharing news, analysis and comments with other investors. We looked at about 24 million messages shared in more than ten years in the finanzaonline.com online forum. We found that the relationship between the number of active users and the number of posts shared by those users is of the power type (with exponent α > 1) and is subject to periodic fluctuations, mostly driven by hour-of-the-day and day-of-the-week effects. The daily patterns of the exponent showed a divergence between working week and weekend days. In general, the exponent was lower before noon, where investors are typically interested in market news, higher in the late afternoon, where markets are closing and investors need better understanding of the situation. Further research is needed, especially at the micro level, to dissect the mechanisms behind these regularities.

  13. 75 FR 75593 - Financial Crimes Enforcement Network; Confidentiality of Suspicious Activity Reports

    Science.gov (United States)

    2010-12-03

    ... continuing effort to increase the efficiency and effectiveness of its anti-money laundering and counter... law or regulation, or a suspicious activity related to money laundering, terrorist financing, or other...). \\3\\ The Annunzio-Wylie Anti-Money Laundering Act of 1992 (the Annunzio-Wylie Act), amended the BSA...

  14. Financial Economy and Financial System: Basis of Structural Interconnection

    Directory of Open Access Journals (Sweden)

    Khorosheva Olena I.

    2014-02-01

    Full Text Available The goal of the article lies in identification of grounds of interconnection of the financial economy and financial system. The study was conducted with consideration of main provisions of the theory of finance and concept of financial economy, which is a set of means used in the process of reproduction of finance by their owner for formation and / or maintenance of the own system of values in the viable state. For the first time ever the structure of the financial system is identified as an aggregate of financial economies and financial market. The article justifies a necessity of expansion of boundaries of perception of the state financial economy, which is offered to include public financial economy of the state level and the set of financial economies of the state as a subject of economic activity. Such an approach forms a base for justification of the synthesis of participation of the state in financial relations as the owner and as the basic macro-economic regulator. Prospects of further study in this direction are: development of classification of financial economies; revelation of specific features of impact of shadow finance on development of the national financial economy; and assessment of possibilities of inclusion of structured financial products into the system of values of financial economies in Ukraine.

  15. Enhancing Financial Security in Agricultural Business: Financial and Property Aspects

    OpenAIRE

    Yuliya Bezdushna

    2014-01-01

    The article provides the analysis of information support for the developing agrarian businesses financial security activities. The impact of financial statements on financial security has been proved through generalization procedure of such calculating indicators as operating margin, return on assets, total liquidity ratio and financial autonomy ratio. A causal effect between mass underestimation of operating fixed assets in accounting and inflated profitability rates in agribusinesses operat...

  16. The State of Students’ Financial Literacy in Selected Slovak universities and its Relationship with Active Pension Savings

    Directory of Open Access Journals (Sweden)

    Beata Gavurova

    2017-10-01

    Full Text Available The interest in retirement planning is increasingly brought to common people’s attention due to demographic aging of population and better financial literacy level these days. In this study we analyze the level of financial literacy among Slovak university students in relation to further pension decisions and financial behavior overall. The primary aim of this research was to compare the level of financial literacy among the selected faculties of economics in Slovakia. The analytical part was oriented on evaluation of financial behavior of the respondents and their skills in terms of financial literacy concept along with the analysis of the correlative data dependence of the selected variables and their intensity by using the Logit model. At first, the results have shown a statistically significant dependency of financial literacy on the respondents’ gender. Female respondents reached higher financial literacy than male ones. Older students did not achieve higher level of financial literacy as compared to younger students. Students do not look ahead and most of them do not calculate how much they need to save for their retirement. The results of the presented research provide important information for policy makers who should reflect on the present status of this issue in Slovakia.

  17. Designing Technology for Active Spectator Experiences at Sporting Events

    DEFF Research Database (Denmark)

    Veerasawmy, Rune; Ludvigsen, Martin

    2010-01-01

    This paper explores the active spectator experience at sporting events, by presenting and reflecting upon a design experiment carried out at a number of football1 events. The initial hypothesis of the design process, leading to the design experiment has been that the spectator experience is not m......This paper explores the active spectator experience at sporting events, by presenting and reflecting upon a design experiment carried out at a number of football1 events. The initial hypothesis of the design process, leading to the design experiment has been that the spectator experience...... is not merely an experience of receiving and consuming entertainment. It is also heavily reliant on the active participation of the spectator in creating the atmosphere of the entire event. The BannerBattle experiment provides interactive technology in sport arenas with a form of interaction based on existing...

  18. A FEW CONSIDERATIONS REGARDING THE SPHERE OF FINANCIAL RELATIONS

    OpenAIRE

    Bota Anton Florin

    2009-01-01

    The author discusses his financial affairs sphere, looking at this issue under a double aspect: analysis of the financial relations sphere and analyzing the financial activity sphere. Analysis of the financial relations sphere is made on the basis of fou

  19. QUALITY CONTROL IN LOGISTICS ACTIVITIES THROUGH INTERNET OF THINGS TECHNOLOGY

    Directory of Open Access Journals (Sweden)

    ANDREI BAUTU

    2016-06-01

    Full Text Available Modern companies depend on their logistics in order to maintain their purchases-inventory-sales chain to the desired level of performance (i.e. profitability. Many past situations demonstrate that errors, inefficiencies and disruptions in this chain can cause companies to miss opportunities, loose profitability, and even go bankrupt. An important factor to high quality logistics is the quality and availability of information about key processes. Internet of Things (IoT technology allows companies to gather real-time information on processes, people and equipment, and to integrate it in their own informational systems. This paper discusses the use of IoT technology to monitor logistics activities in order to provide support data for performance assessments.

  20. Financial mathematics

    CERN Document Server

    Jothi, A Lenin

    2009-01-01

    Financial services, particularly banking and insurance services is the prominent sector for the development of a nation. After the liberalisation of financial sector in India, the scope of getting career opportunities has been widened. It is heartening to note that various universities in India have introduced professional courses on banking and insurance. A new field of applied mathematics has come into prominence under the name of Financial Mathematics. Financial mathematics has attained much importance in the recent years because of the role played by mathematical concepts in decision - m

  1. Overview of DOE's field screening technology development activities

    International Nuclear Information System (INIS)

    Frank, C.W.; Anderson, T.D.; Cooley, C.R.; Hain, K.E.; Lien, S.C.T.; Erickson, M.D.

    1991-01-01

    The Department of Energy (DOE) has recently created the Office of Environmental Restoration and Waste Management, into which it consolidated those activities. Within this new organization, the Office of Technology Development (OTD) is responsible for research, development, demonstration, testing, and evaluation (RDDT ampersand E) activities aimed at meeting DOE cleanup goals, while minimizing cost and risk. Site characterization using traditional drilling, sampling, and analytical methods comprises a significant part of the environmental restoration efforts in terms of both cost and time to accomplish. It can also be invasive and create additional pathways for spread of contaminants. Consequently, DOE is focusing on site characterization as one of the areas in which significant technological advances are possible which will decrease cost, reduce risk, and shorten schedules for achieving restoration goals. DOE is investing considerably in R ampersand D and demonstration activities which will improve the abilities to screen chemical, radiological, and physical parameters in the field. This paper presents an overview of the program objectives and status and reviews some of the projects which are currently underway in the area. 1 ref

  2. Activities of Japan Nuclear Technology Institute Japanese TSO of Industry

    International Nuclear Information System (INIS)

    Nagata, T.

    2010-01-01

    Nuclear energy is a superior form of energy in that it delivers stable power supplies and counters global warming, and it is important to promote nuclear power generation as the core power sources for a nation. However, the Japanese environment surrounding nuclear energy is changing drastically, following the liberalization of market and recent series of troubles or falsifications shaking public confidence in nuclear energy. In the above mentioned situation, nuclear industries and organizations must fulfill their individual roles, and amass its strength to work toward enhancing industry initiatives for safety activities, securing safe / stable plant operations, restoring public confidence and initiate revitalization of nuclear energy operations. The Japan Nuclear Technology Institute (JANTI) has been established as a new entity for supporting and leading the industry's further progress in March 2005. Members of JANTI are not only utilities but also component manufacturers and constructors. JANTI enhance the technological foundation of nuclear energy based on scientific and rational data, coordinates its use among a wide range of relevant organizations, and helps members enhance their voluntary safety activities. At the same time, it is independent of utilities, and exercises a function of checking industry at the objective, third-party standpoint. As for the activities of JANTI itself, information disclosure and the establishment of a council comprising external members will enhance administration transparency. (author)

  3. Trusts and Financialization

    DEFF Research Database (Denmark)

    Harrington, Brooke

    2017-01-01

    the global spread of financialization: by privileging the rentier–investor within the 15 world economy; by perpetuating a distinctively Anglo-American approach to finance internationally; and by increasing the autonomy of finance vis-a-vis the nation-state. This study shares the primarily descriptive......This article identifies trusts as a legal structure associated with the global spread of financialization. Although trusts originated in Medieval England, they have acquired a new significance in contemporary finance by virtue of their advantages in terms of 10 profit maximization and capital...... and conceptual intent of Krippner’s work on financialization, but extends it in two ways: by comparing trusts to the better- known corporate form of organizing financial activity, and by showing how private 20 capital is implicated in the financialized economy alongside corporate wealth....

  4. 2010 Mississippi Curriculum Framework: Postsecondary Banking and Finance Technology. (Program CIP: 52.0803 - Banking and Financial Support Services)

    Science.gov (United States)

    Gullett, Janet; Dinkins, Shivochie

    2010-01-01

    As the world economy continues to evolve, businesses and industries must adopt new practices and processes in order to survive. Quality and cost control, work teams and participatory management, and an infusion of technology are transforming the way people work and do business. Employees are now expected to read, write, and communicate…

  5. 2005 Mississippi Curriculum Framework: Postsecondary Banking and Finance Technology. (Program CIP: 52.0803 - Banking and Financial Support Services)

    Science.gov (United States)

    Gullett, Janet; Thigpen, Herbert

    2005-01-01

    As the world economy continues to evolve, businesses and industries must adopt new practices and processes in order to survive. Quality and cost control, work teams and participatory management, and an infusion of technology are transforming the way people work and do business. Employees are now expected to read, write, and communicate…

  6. Redesigning Schools to Reach Every Student with Excellent Teachers: Financial Planning for Time-Technology Swap--Rotation Model

    Science.gov (United States)

    Public Impact, 2012

    2012-01-01

    This brief shows how teachers in a Time-Technology swap school model may earn more, sustainably. In this model, schools use age-appropriate portions of digital learning (as little as about an hour daily per student) to free the time of excellent teachers to teach more students and potentially to collaborate with peers. By teaching more students,…

  7. Mississippi Curriculum Framework for Banking & Finance Technology (Program CIP: 52.0803--Banking and Related Financial Programs, Other). Postsecondary Programs.

    Science.gov (United States)

    Mississippi Research and Curriculum Unit for Vocational and Technical Education, State College.

    This document, which is intended for use by community and junior colleges throughout Mississippi, contains curriculum frameworks for the course sequences in the banking and finance technology program. Presented in the introduction are a program description and suggested course sequence. Section I is a curriculum guide consisting of outlines for…

  8. Assessing the Biophysical Impact and Financial Viability of Soil Management Technologies Under Variable Climate in Cabo Verde Drylands

    NARCIS (Netherlands)

    Baptista, Isaurinda; Irvine, Brian; Fleskens, Luuk; Geissen, Violette; Ritsema, Coen

    2016-01-01

    Field trials have demonstrated the potential of soil conservation technologies but have also shown significant spatial-temporal yield variability. This study considers the Pan-European Soil Erosion Risk Assessment - Desertification Mitigation Cost-Effectiveness modelling approach to capture a

  9. Computer networks for financial activity management, control and statistics of databases of economic administration at the Joint Institute for Nuclear Research

    International Nuclear Information System (INIS)

    Tyupikova, T.V.; Samoilov, V.N.

    2003-01-01

    Modern information technologies urge natural sciences to further development. But it comes together with evaluation of infrastructures, to spotlight favorable conditions for the development of science and financial base in order to prove and protect legally new research. Any scientific development entails accounting and legal protection. In the report, we consider a new direction in software, organization and control of common databases on the example of the electronic document handling, which functions in some departments of the Joint Institute for Nuclear Research

  10. ECONOMIC AND FINANCIAL ASPECTS OF ACTIVITY IN SC ARBOFLORA L.L.C. - OVIDIU, CONSTANTA

    Directory of Open Access Journals (Sweden)

    Radu Lucian PÂNZARU

    2012-01-01

    Full Text Available S.C. ARBOFLORA Company with headquarters in Ovidiu, and workstation Street Port 1, registered at the Trade Registry under number J13/1195/2006, was established in April 2006. The company's individual shareholders, with a subscribed and paid 35,200 lei, the object of the company is in landscape maintenance activities, NACE Code 8130.Society benefits from a rented plot of land comprising a total surface of 9034 square meters and all construction related. In October 2006, the company purchased a greenhouse with an area of 150 square meters to produce dendrological and floricultural material plus two existing tunnels, with an area of 300 sqm. The company has machinery provided for activities. Company employees ranged from 21 (2006 to 29 (2008, of which 80% directly productive employees, and 20% employees in administrative structure. Customers are companies or third persons (Hotel Central Mamaia, Regional Meteorological Centre Dobrogea, Constanta RAJA, The Museum of Natural Sciences, Ovidiu Hall, Hall Cross, etc.. Company has as dendrological and floricultural material providers: GMB Viva Targoviste, Floriculture Galati, Kerslake, Romstal Bucharest. Also included are the utility providers and the local (Metro, Selgros, Praktiker, Petrom, etc..The unit recorded assets of 574,887 lei (9593 lei intangible and 565,294 lei tangible assets, bank loans of 93,941 lei in 2008 and 72,000 lei in 2009, home worth 535 and 7414 lei in 2008 and 2009, current accounts 33,696 and 124,208 lei for two years (remember above, 722,437 and 809,173 lei debt for the years 2008 and 2009.

  11. 76 FR 6839 - ActiveCore Technologies, Inc., Battery Technologies, Inc., China Media1 Corp., Dura Products...

    Science.gov (United States)

    2011-02-08

    ... SECURITIES AND EXCHANGE COMMISSION [File No. 500-1] ActiveCore Technologies, Inc., Battery Technologies, Inc., China Media1 Corp., Dura Products International, Inc. (n/k/a Dexx Corp.), Global Mainframe Corp., GrandeTel Technologies, Inc., Magna Entertainment Corp. (n/k/a Reorganized Magna Entertainment...

  12. Systematic review on the financial return of worksite health promotion programmes aimed at improving nutrition and/or increasing physical activity

    NARCIS (Netherlands)

    Dongen, J.M. van; Proper, K.I.; Wier, M.F. van; Beek, A.J. van der; Bongers, P.M.; Mechelen, W. van; Tulder, M.W. van

    2011-01-01

    Summary: This systematic review summarizes the current evidence on the financial return of worksite health promotion programmes aimed at improving nutrition and/or increasing physical activity. Data on study characteristics and results were extracted from 18 studies published up to 14 January 2011.

  13. APPLICATION OF FINANCIAL ETHICS IN ANNUAL FINANCIAL REPORTING OF BANKS

    Directory of Open Access Journals (Sweden)

    Ayuba A. Aminu

    2016-03-01

    Full Text Available The importance of financial ethics and its application in financial reporting of banks cannot be ignored as it assists in building public confidence and fostering professionalism. However, the non-compliance and conformity with Nigerian Financial Regulatory Authorities prudential guidelines in the preparation of financial statements lead to incomplete or false information. The objective of the study is to examine the application of financial ethics in annual financial reporting of banks. The study employed primary and secondary data and stratified and purposive sampling techniques were used in which 20 questionnaires were administered to respondents. ANOVA and chi-square were in analysis and the findings revealed that there are significant unethical practices in the preparation of financial reports of banks in Nigeria. The study recommends that more emphasis and attention should be given to ethical standards in all banks and banks should give out clear reports of their financial activities to the regulatory authorities.

  14. Financial Liberalization and Financial Fragility

    OpenAIRE

    Enrica Detragiache; Asli Demirgüç-Kunt

    1998-01-01

    The authors study the empirical relationship between banking crises and financial liberalization using a panel of data for 53 countries for 1980-95. They find that banking crises are more likely to occur in liberalized financial systems. But financial liberalization's impact on a fragile banking sector is weaker where the institutional environment is strong--especially where there is respect for the rule of law, a low level of corruption, and good contract enforcement. They examine evidence o...

  15. Present status of some technological activities supporting the MOLCARE project

    Energy Technology Data Exchange (ETDEWEB)

    Torazza, A. [Ansaldo Ricerche S.r.l., Genova (Italy); Rocchini, G. [ENEL, Milano (Italy); Scagliotti, M. [CISE, Milano (Italy)

    1996-12-31

    The development of MCFC stack technology is carried out at Ansaldo Ricerche in the framework of the MOLCARE project, a cooperation with Spanish companies under a partial UE funding, while a specific research program concerning the physico-chemical characterization of materials is performed jointly by CISE and ENEL. The project includes the development, the construction and the testing of a full scale 100 kW prototype, the assessment of stack technology on subscale stacks, the mathematical modelling of the MCFC based plants and the basic researches. The aim of the basic researches, carried out on single cells, is to improve the effectiveness and durability of both the active and the hardware materials. The Ansaldo stack technology is based on external manifolding. The full scale 100 kW prototype will be integrated with the sensible heat reformer and other ancillary equipments according to the {open_quote}Compact Unit (CU){close_quotes} concept. These technical choices stress requirements for manifold gasket configuration. electrolyte migration control, {Delta}p management and porous component compaction.

  16. Financial Statements

    International Development Research Centre (IDRC) Digital Library (Canada)

    users make on the basis of the financial information. .... IDRC's brand and reputation could impact partner- .... building and to provide internal services in support of the ...... maintains books of accounts, information systems, and financial and management controls that .... The significant accounting policies of the Centre are: a.

  17. ARTIFICIAL INTELLIGENCE APPLICATIONS IN THE FINANCIAL SECTOR

    OpenAIRE

    Adrian Cozgarea; Gabriel Cozgarea; Andrei Stanciu

    2008-01-01

    The present paper exposes some of artificial intelligence specific technologies regarding financial sector. Through non-deterministic solutions and simple algorithms, artificial intelligence could become a base alternative for solving financial problems which require complex mathematic calculations or complex optimization.

  18. The development of enabling technologies for producing active interrogation beams.

    Science.gov (United States)

    Kwan, Thomas J T; Morgado, Richard E; Wang, Tai-Sen F; Vodolaga, B; Terekhin, V; Onischenko, L M; Vorozhtsov, S B; Samsonov, E V; Vorozhtsov, A S; Alenitsky, Yu G; Perpelkin, E E; Glazov, A A; Novikov, D L; Parkhomchuk, V; Reva, V; Vostrikov, V; Mashinin, V A; Fedotov, S N; Minayev, S A

    2010-10-01

    A U.S./Russian collaboration of accelerator scientists was directed to the development of high averaged-current (∼1 mA) and high-quality (emittance ∼15 πmm mrad; energy spread ∼0.1%) 1.75 MeV proton beams to produce active interrogation beams that could be applied to counterterrorism. Several accelerator technologies were investigated. These included an electrostatic tandem accelerator of novel design, a compact cyclotron, and a storage ring with energy compensation and electron cooling. Production targets capable of withstanding the beam power levels were designed, fabricated, and tested. The cyclotron/storage-ring system was theoretically studied and computationally designed, and the electrostatic vacuum tandem accelerator at BINP was demonstrated for its potential in active interrogation of explosives and special nuclear materials.

  19. Development of HANARO Activation Analysis System and Utilization Technology

    Energy Technology Data Exchange (ETDEWEB)

    Chung, Y. S.; Moon, J. H.; Cho, H. J. (and others)

    2007-06-15

    1. Establishment of evaluation system using a data for a neutron activation analysis : Improvement of NAA measurement system and its identification, Development of combined data evaluation code of NAA/PGAA, International technical cooperation project 2. Development of technique for a industrial application of high precision gamma nuclide spectroscopic analysis : Analytical quality control, Development of industrial application techniques and its identification 3. Industrial application research for a prompt gamma-ray activation analysis : Improvement of Compton suppression counting system (PGAA), Development of applied technology using a PGAA system 4. Establishment of NAA user supporting system and KOLAS management : Development and validation of KOLAS/ISO accreditation testing and identification method, Cooperation researches for a industrial application, Establishment of integrated user analytical supporting system, Accomplishment of sample irradiation facility.

  20. Development of HANARO Activation Analysis System and Utilization Technology

    International Nuclear Information System (INIS)

    Chung, Y. S.; Moon, J. H.; Cho, H. J.

    2007-06-01

    1. Establishment of evaluation system using a data for a neutron activation analysis : Improvement of NAA measurement system and its identification, Development of combined data evaluation code of NAA/PGAA, International technical cooperation project 2. Development of technique for a industrial application of high precision gamma nuclide spectroscopic analysis : Analytical quality control, Development of industrial application techniques and its identification 3. Industrial application research for a prompt gamma-ray activation analysis : Improvement of Compton suppression counting system (PGAA), Development of applied technology using a PGAA system 4. Establishment of NAA user supporting system and KOLAS management : Development and validation of KOLAS/ISO accreditation testing and identification method, Cooperation researches for a industrial application, Establishment of integrated user analytical supporting system, Accomplishment of sample irradiation facility

  1. ANDRA - National Radioactive Waste Management Agency. Activity report 2007. Management report - Financial statements at December 31, 2007

    International Nuclear Information System (INIS)

    2008-09-01

    Created in 1979 within the CEA, the National Radioactive Waste Management Agency (ANDRA) was established by the December 1991 Waste Act as a public body in charge of the long-term management of all radioactive waste, under the supervision of the Ministry of Ecology, Energy, Sustainable Development and the Sea (formerly the Ministry of Industry and the Ministry of Environment), and the Ministry of Research. Its 3 basic missions were extended and their funding secured through the 2006 Planning Act: - a R and D mission to propose safe long-term solution for radioactive waste without current disposal system; this mission includes long-term storage, since the 2006 Planning Act, in order to propose interim solutions while final ones are being studied; - an industrial mission concerning, on one hand, waste acceptance criteria and control and, on the other hand, siting, construction, operation, closure and monitoring of repositories. This mission includes as well a public service mission in terms of i) collection of waste of the 'small-scale nuclear activities' producers or owners (including the so-called 'household' radioactive waste, i.e. waste owned by private individuals) and ii) clean-up and rehabilitation of orphan polluted sites; - an information mission, notably through the regular publication of the National Inventory of radioactive materials and waste. This mission includes as well an active policy of dialogue with stakeholders both at national and local level. This document is the activity report with the management and financial statements report of the Andra for the year 2007

  2. ANDRA - National Radioactive Waste Management Agency. Annual sustainable development and activity report 2012. Management report and financial statements 2012

    International Nuclear Information System (INIS)

    2013-01-01

    Created in 1979 within the CEA, the National Radioactive Waste Management Agency (ANDRA) was established by the December 1991 Waste Act as a public body in charge of the long-term management of all radioactive waste, under the supervision of the Ministry of Ecology, Energy, Sustainable Development and the Sea (formerly the Ministry of Industry and the Ministry of Environment), and the Ministry of Research. Its 3 basic missions were extended and their funding secured through the 2006 Planning Act: - a R and D mission to propose safe long-term solution for radioactive waste without current disposal system; this mission includes long-term storage, since the 2006 Planning Act, in order to propose interim solutions while final ones are being studied; - an industrial mission concerning, on one hand, waste acceptance criteria and control and, on the other hand, siting, construction, operation, closure and monitoring of repositories. This mission includes as well a public service mission in terms of i) collection of waste of the 'small-scale nuclear activities' producers or owners (including the so-called 'household' radioactive waste, i.e. waste owned by private individuals) and ii) clean-up and rehabilitation of orphan polluted sites; - an information mission, notably through the regular publication of the National Inventory of radioactive materials and waste. This mission includes as well an active policy of dialogue with stakeholders both at national and local level. This document is the activity and Sustainable Development Report, with the management and financial statements report, of the Andra for the year 2012

  3. ANDRA - National Radioactive Waste Management Agency. Annual sustainable development and activity report 2011. Management report and financial statements 2011

    International Nuclear Information System (INIS)

    2012-01-01

    Created in 1979 within the CEA, the National Radioactive Waste Management Agency (ANDRA) was established by the December 1991 Waste Act as a public body in charge of the long-term management of all radioactive waste, under the supervision of the Ministry of Ecology, Energy, Sustainable Development and the Sea (formerly the Ministry of Industry and the Ministry of Environment), and the Ministry of Research. Its 3 basic missions were extended and their funding secured through the 2006 Planning Act: - a R and D mission to propose safe long-term solution for radioactive waste without current disposal system; this mission includes long-term storage, since the 2006 Planning Act, in order to propose interim solutions while final ones are being studied; - an industrial mission concerning, on one hand, waste acceptance criteria and control and, on the other hand, siting, construction, operation, closure and monitoring of repositories. This mission includes as well a public service mission in terms of i) collection of waste of the 'small-scale nuclear activities' producers or owners (including the so-called 'household' radioactive waste, i.e. waste owned by private individuals) and ii) clean-up and rehabilitation of orphan polluted sites; - an information mission, notably through the regular publication of the National Inventory of radioactive materials and waste. This mission includes as well an active policy of dialogue with stakeholders both at national and local level. This document is the activity and Sustainable Development Report, with the management and financial statements report, of the Andra for the year 2011

  4. RTE - 2013 Activity Report, 2013 Activity and Sustainable Development Report, financial results for 2013, Report of the Chairman of the Supervisory Board

    International Nuclear Information System (INIS)

    2014-01-01

    RTE is the operator of the high and extra high-voltage transmission system in France. RTE operates, develops and maintains it. This role places RTE at the heart of smart power, supplying its customers: generators, distribution system operators, industrial customers and traders. RTE deploys its expertise to achieve smart power, with three objectives: - To optimise the power system so that everything operates at the lowest cost, every second, whatever the weather brings, whatever the level of supply and demand. - To guarantee a secure power supply, by offering tools and mechanisms that can be used to adjust generation and power consumption. - To adapt the grid to energy transition through constant innovation. RTE counts 8,400 employees. This document gathers both French and English versions of the 2013 Activity and Sustainable Development Report and the English version of the 2013 financial results and of the Report of the Chairman of the Supervisory Board

  5. Financial Literacy, Financial Education, and Economic Outcomes

    Science.gov (United States)

    Hastings, Justine S.; Madrian, Brigitte C.; Skimmyhorn, William L.

    2013-01-01

    In this article, we review the literature on financial literacy, financial education, and consumer financial outcomes. We consider how financial literacy is measured in the current literature and examine how well the existing literature addresses whether financial education improves financial literacy or personal financial outcomes. We discuss the…

  6. How different are hospitals' responses to a financial reform? The impact on efficiency of activity-based financing.

    Science.gov (United States)

    Biørn, Erik; Hagen, Terje P; Iversen, Tor; Magnussen, Jon

    2010-03-01

    For policy-makers the heterogeneity of hospital response to reforms is of crucial concern. Even though a reform may entail a positive effect on average efficiency, policy-makers will consider the reform as less attractive if the variation in hospital efficiency increases. The reason is that increased variance of efficiency across hospitals is likely to increase the impact of geography on access to hospital services. This paper examines the heterogeneity with respect to the impact of a financial reform-Activity Based Financing (ABF)-on hospital efficiency in Norway. From a theoretical model we find an ambiguous effect of hospital heterogeneity on the effect of ABF on efficiency. The data set is from a contiguous 10-year panel of 47 hospitals covering both pre-ABF years and years after its imposition. Substantial heterogeneity in the responses, as measured by both estimated and predicted coefficients, is found. We did not find any significant correlation between pre-ABF measures of efficiency and the effect of ABF on efficiency. We did however find a strongly significant correlation between the effect of ABF and post-ABF efficiency. Thus, the analysis confirms the impression that, whereas pre-ABF efficiency did not play any role in how hospitals responded to ABF, those responding generally ended up as better-performing hospitals. Hence, for the type of reform studied in this article we find that policy-makers do not need to worry about the impact of location on patients' access to hospital services.

  7. The Future of Bricks and Mortar - A Financial Approach to investigating how technology will change the demand for real estate.

    OpenAIRE

    Lim, Pau Ling Alvin

    2008-01-01

    Technology has changed the way we live and work. It also change the way companies create markets, deliver products and serve customers. The internet is said to threaten the role of real estate, which is to provide spaces for people and for business to conduct their business. Proponents for real estate say that people and businesses will always need real estate while its distracters are calling for its demise. Some are predicting a merger of bricks and internet, also known as “Clicks and Morta...

  8. Financial Resources of NGOs

    Directory of Open Access Journals (Sweden)

    Nicoleta Ciucescu

    2012-12-01

    Full Text Available Due to the low funding levels registered in recent years in the NGO sector in Romania, many NGOs have faced a number of difficulties, some of them have ceased to carry on business. Financial position of the governmental sector is poor, especially for large organizations that are strictly dependent on foreign funds. For the good functioning of NGOs activity, it is requiring a constant concern for finacial fundraising. The article aims to present the diversity of financial resources of NGOs.

  9. Bulgaria : Country Financial Accountability Assessment

    OpenAIRE

    World Bank

    2003-01-01

    Bulgaria's ambitious program of reforms in several areas, including public financial management (PFM), focuses greatly on its entry into the European Union (EU). Thus, the country has a well developed system, and structure of financial management, that relies heavily on information technology (such as in the area of cash management), and has independent external audits, and parliamentary o...

  10. A NEW DIMENSION IN ACTIVITY REPORTING AND THE PERFORMANCE OF THE ENTERPRISE – NON-FINANCIAL REPORTING

    Directory of Open Access Journals (Sweden)

    Liana Gadau

    2016-07-01

    Full Text Available Currently the focus is on the fact that non-financial reporting is essential for the transition to a sustainable economy which combines long-term profitability with social inclusion and protection of natural resources. Therefore, the present requirements of the European Union institutions on reporting non-financial enterprises and large groups of enterprises require that they report to both environmental and social as well as issues regarding compliance with human rights issues on combating corruption and bribery.It aims to increase the transparency and comparability among large companies. The merit and importance of non-financial reporting is that business goes beyond performance reporting financial size classical concept of performance thus completing two new dimensions, environmental and social.

  11. Performance of active vibration control technology: the ACTEX flight experiments

    Science.gov (United States)

    Nye, T. W.; Manning, R. A.; Qassim, K.

    1999-12-01

    This paper discusses the development and results of two intelligent structures space-flight experiments, each of which could affect architecture designs of future spacecraft. The first, the advanced controls technology experiment I (ACTEX I), is a variable stiffness tripod structure riding as a secondary payload on a classified spacecraft. It has been operating well past its expected life since becoming operational in 1996. Over 60 on-orbit experiments have been run on the ACTEX I flight experiment. These experiments form the basis for in-space controller design problems and for concluding lifetime/reliability data on the active control components. Transfer functions taken during the life of ACTEX I have shown consistent predictability and stability in structural behavior, including consistency with those measurements taken on the ground prior to a three year storage period and the launch event. ACTEX I can change its modal characteristics by employing its dynamic change mechanism that varies preloads in portions of its structure. Active control experiments have demonstrated maximum vibration reductions of 29 dB and 16 dB in the first two variable modes of the system, while operating over a remarkable on-orbit temperature range of -80 °C to 129 °C. The second experiment, ACTEX II, was successfully designed, ground-tested, and integrated on an experimental Department of Defense satellite prior to its loss during a launch vehicle failure in 1995. ACTEX II also had variable modal behavior by virtue of a two-axis gimbal and added challenges of structural flexibility by being a large deployable appendage. Although the loss of ACTEX II did not provide space environment experience, ground testing resulted in space qualifying the hardware and demonstrated 21 dB, 14 dB, and 8 dB reductions in amplitude of the first three primary structural modes. ACTEX II could use either active and/or passive techniques to affect vibration suppression. Both experiments trailblazed

  12. European technology activities to prepare for ITER component procurement

    International Nuclear Information System (INIS)

    Gasparotto, M.

    2006-01-01

    Over the past few years the technology activities of the European fusion programme have principally been devoted to: a) the completion of design and R (and) D studies in preparation for the procurement of ITER systems and components in close collaboration with the ITER team and according to the ITER design and schedule; b) provision of support to European industry and associations in key areas of fusion R (and) D to ensure a competitive and timely approach to the planned procurement. The EU contribution to ITER design and R (and) D activities has been maintained at a significant level with the objectives of: · continuing, and in some areas expanding, the effort in areas where design and R (and)D are still required: in particular in Machine Assembly, Remote Handling, ITER Test Blanket Modules, Diagnostics, Heating and Current Drive Systems. · continuing and completing manufacturing R (and)D to determine the most technically and cost affective manufacturing methods for ITER components to be built in Europe. · preparing new test facilities needed during ITER construction (DIPOLE, HELOKA, DTP-2, ECRH Test Facility, Fatigue Testing Facility). · supporting the European site preparation process and the preparation of safety and licensing documentation for ITER in Cadarache. · maintaining support to EU industries in R (and) D activities of relevance to fusion. To support the ITER Design activities and to prepare for the provision of timely answers to key issues, which may be raised during the ITER design review, support from specialized companies has been set-up in the fields of Civil and General Plant Engineering, Mechanical Engineering / Components, Mechanical Engineering / Systems (and) Plants, Remote Handling (and) Assembly, Electrical Engineering, Nuclear Safety Engineering. In recent years major efforts have been directed towards the technology development of the ITER components for which procurement can be launched during the first years of the construction

  13. DOD Financial Management: Actions Are Needed on Audit Issues Related to the Marine Corps 2012 Schedule of Budgetary Activity

    Science.gov (United States)

    2015-07-01

    detect material misstatements at the relevant assertion level. As part of these procedures, the auditors must perform procedures to assess the risk ... risk of material misstatement at the financial statement and relevant assertion levels, and design and perform audit procedures to reduce the risk of...financial statement line items and accounts; assesses the risk of material misstatement ; and develops an audit strategy.44 Planning continues throughout the

  14. Can Financial Aid Help to Address the Growing Need for STEM Education? The Effects of Need-Based Grants on the Completion of Science, Technology, Engineering, and Math Courses and Degrees

    Science.gov (United States)

    Castleman, Benjamin L.; Long, Bridget Terry; Mabel, Zachary

    2018-01-01

    Although workers in science, technology, engineering, and math (STEM) fields earn above-average wages, the number of college graduates prepared for STEM jobs lags behind employer demand. A key question is how to recruit and retain college students in STEM majors. We offer new evidence on the role of financial aid in supporting STEM attainment.…

  15. Passive and Active Sensing Technologies for Structural Health Monitoring

    Science.gov (United States)

    Do, Richard

    A combination of passive and active sensing technologies is proposed as a structural health monitoring solution for several applications. Passive sensing is differentiated from active sensing in that with the former, no energy is intentionally imparted into the structure under test; sensors are deployed in a pure detection mode for collecting data mined for structural health monitoring purposes. In this thesis, passive sensing using embedded fiber Bragg grating optical strain gages was used to detect varying degrees of impact damage using two different classes of features drawn from traditional spectral analysis and auto-regressive time series modeling. The two feature classes were compared in detail through receiver operating curve performance analysis. The passive detection problem was then augmented with an active sensing system using ultrasonic guided waves (UGWs). This thesis considered two main challenges associated with UGW SHM including in-situ wave propagation property determination and thermal corruption of data. Regarding determination of wave propagation properties, of which dispersion characteristics are the most important, a new dispersion curve extraction method called sparse wavenumber analysis (SWA) was experimentally validated. Also, because UGWs are extremely sensitive to ambient temperature changes on the structure, it significantly affects the wave propagation properties by causing large errors in the residual error in the processing of the UGWs from an array. This thesis presented a novel method that compensates for uniform temperature change by considering the magnitude and phase of the signal separately and applying a scalable transformation.

  16. Systematic review on the financial return of worksite health promotion programmes aimed at improving nutrition and/or increasing physical activity.

    Science.gov (United States)

    van Dongen, J M; Proper, K I; van Wier, M F; van der Beek, A J; Bongers, P M; van Mechelen, W; van Tulder, M W

    2011-12-01

    This systematic review summarizes the current evidence on the financial return of worksite health promotion programmes aimed at improving nutrition and/or increasing physical activity. Data on study characteristics and results were extracted from 18 studies published up to 14 January 2011. Two reviewers independently assessed the risk of bias of included studies. Three metrics were (re-)calculated per study: the net benefits, benefit cost ratio (BCR) and return on investment (ROI). Metrics were averaged, and a post hoc subgroup analysis was performed to compare financial return estimates between study designs. Four randomized controlled trials (RCTs), 13 non-randomized studies (NRSs) and one modelling study were included. Average financial return estimates in terms of absenteeism benefits (NRS: ROI 325%, BCR 4.25; RCT: ROI -49%, BCR 0.51), medical benefits (NRS: ROI 95%, BCR 1.95; RCT: ROI -112%, BCR -0.12) or both (NRS: ROI 387%, BCR 4.87; RCT: ROI -92%, BCR 0.08) were positive in NRSs, but negative in RCTs. Worksite health promotion programmes aimed at improving nutrition and/or increasing physical activity generate financial savings in terms of reduced absenteeism costs, medical costs or both according to NRSs, whereas they do not according to RCTs. Since these programmes are associated with additional types of benefits, conclusions about their overall profitability cannot be made. © 2011 The Authors. obesity reviews © 2011 International Association for the Study of Obesity.

  17. Monolithic active pixel sensors (MAPS) in a VLSI CMOS technology

    CERN Document Server

    Turchetta, R; Manolopoulos, S; Tyndel, M; Allport, P P; Bates, R; O'Shea, V; Hall, G; Raymond, M

    2003-01-01

    Monolithic Active Pixel Sensors (MAPS) designed in a standard VLSI CMOS technology have recently been proposed as a compact pixel detector for the detection of high-energy charged particle in vertex/tracking applications. MAPS, also named CMOS sensors, are already extensively used in visible light applications. With respect to other competing imaging technologies, CMOS sensors have several potential advantages in terms of low cost, low power, lower noise at higher speed, random access of pixels which allows windowing of region of interest, ability to integrate several functions on the same chip. This brings altogether to the concept of 'camera-on-a-chip'. In this paper, we review the use of CMOS sensors for particle physics and we analyse their performances in term of the efficiency (fill factor), signal generation, noise, readout speed and sensor area. In most of high-energy physics applications, data reduction is needed in the sensor at an early stage of the data processing before transfer of the data to ta...

  18. Technology Combination Analysis Tool (TCAT) for Active Debris Removal

    Science.gov (United States)

    Chamot, B.; Richard, M.; Salmon, T.; Pisseloup, A.; Cougnet, C.; Axthelm, R.; Saunder, C.; Dupont, C.; Lequette, L.

    2013-08-01

    This paper present the work of the Swiss Space Center EPFL within the CNES-funded OTV-2 study. In order to find the most performant Active Debris Removal (ADR) mission architectures and technologies, a tool was developed in order to design and compare ADR spacecraft, and to plan ADR campaigns to remove large debris. Two types of architectures are considered to be efficient: the Chaser (single-debris spacecraft), the Mothership/ Kits (multiple-debris spacecraft). Both are able to perform controlled re-entry. The tool includes modules to optimise the launch dates and the order of capture, to design missions and spacecraft, and to select launch vehicles. The propulsion, power and structure subsystems are sized by the tool thanks to high-level parametric models whilst the other ones are defined by their mass and power consumption. Final results are still under investigation by the consortium but two concrete examples of the tool's outputs are presented in the paper.

  19. Financial assurances

    International Nuclear Information System (INIS)

    Paton, R.F.

    1990-01-01

    US Ecology is a full service waste management company. The company operates two of the nation's three existing low-level radioactive waste (LLRW) disposal facilities and has prepared and submitted license applications for two new LLRW disposal facilities in California and Nebraska. The issue of financial assurances is an important aspect of site development and operation. Proper financial assurances help to insure that uninterrupted operation, closure and monitoring of a facility will be maintained throughout the project's life. Unfortunately, this aspect of licensing is not like others where you can gauge acceptance by examining approved computer codes, site performance standards or applying specific technical formulas. There is not a standard financial assurance plan. Each site should develop its requirements based upon the conditions of the site, type of design, existing state or federal controls, and realistic assessments of future financial needs. Financial assurances at U.S. Ecology's existing sites in Richland, Washington, and Beatty, Nevada, have been in place for several years and are accomplished in a variety of ways by the use of corporate guarantees, corporate capital funds, third party liability insurance, and post closure/long-term care funds. In addressing financial assurances, one can divide the issue into three areas: Site development/operations, third party damages, and long-term care/cleanup

  20. Financial evaluation of the integration of satellite technology for snow cover measurements at a hydroelectric plant. (Utilization of Radarsat I in the La Grande river basin, Quebec)

    International Nuclear Information System (INIS)

    Martin, D.; Bernier, M.; Sasseville, J.L.; Charbonneau, R.

    1999-01-01

    The emergence, on the markets, of new technologies evokes, for the potential users, a lot of questions concerning the implementation and operation costs associated with these technologies. Nevertheless, for a lot of users, costs should be considered with the benefits these technologies are able to generate. The benefit-cost analysis is a useful tool for a financial evaluation of the transferability of the technology. This method has been selected to evaluate the eventual implementation of remote sensing technologies for snow cover measurements in the La Grande river basin (Quebec, Canada). Indeed, a better assessment of the snow water equivalent leads to a better forecasting of the water inputs due to the snowmelt. Thus, the improvement of the snow cover monitoring has direct impact on hydroelectric reservoir management. The benefit-cost analysis was used to compare three acquisition modes of the satellite Radarsat 1 (ScanSAR, Wide and Standard). The costs considered for this project are: R and D costs and operations costs (the purchase of images and costs of ground truth measurements). We evaluated the raw benefits on the basis of reducing the standard deviation of predicted inflows. The results show that the ScanSAR mode is the primary remote sensing tool for the monitoring of the snow cover, on an operational basis. With this acquisition mode, the benefit-cost ratios range between 2.3:1 and 3.9:1, using a conservative 4% reduction of the standard deviation. Even if the reduction is only 3%, ScanSAR remains profitable. Due to the large number of images needed to cover all the territory, the Standard and Wide modes are penalized by the purchase and the processing costs of the data and with delays associated to the processing. Nevertheless, with these two modes, it could be possible to work with a partial coverage of the watershed, 75% being covered in 4 days in Wide mod. The estimated B/C ratios (1.5:1 and 2:1) confirm the advantages of this alternative

  1. Strengthening technological capabilities: A challenge for the nineties. A review of ILO activities on technology. 3. ed.

    International Nuclear Information System (INIS)

    1992-01-01

    This report was inspired by the 11th Session (1991) of the Intergovernmental Committee on Science and Technology for Development (IGC) where ILO activities figured prominently in the documentation and discussions that took place on the trends in the programmes and activities of the UN system in science and technology for development. The report deals with ILO activities in the areas of endogenous capacity building, technology policy assessment, anticipation of employment effects of new technologies, assessment of the effects of new technologies on working conditions and working environment, training needs for the effective utilisation of new technologies, technological change and industrial relations and the dissemination of technological information. It also reports on the new ILO work launched on environment and employment, including the role of environmentally sound technologies. The concluding chapter of the report deals with interagency collaboration to which the ILO has always attached importance. ILO work evolving policies for occupational safety and health is described in the following distinct areas of new technologies: (i) man-made mineral fibres; (ii) biotechnology, (iii) robotisation; (iv) chemicals; and (v) dismantling of nuclear power plants

  2. Rapid Prototyping Technologies for Manufacturing and Maintenance Activities

    Science.gov (United States)

    Pfeifer, Marcel Rolf

    2017-12-01

    The paper deals with the direct application of Rapid Prototyping technologies for parts and spare parts production in production companies and the economic effect by making use of this technology. Traditional production technologies are technologies such as forging, cutting, machining, etc. These technologies are widely accepted and the teething troubles are solved. Rapid Prototyping technologies such as 3D printing on the other hand came into the focus in the recent years when the technologies and the produced quality gradually advanced. Providing flexibility and time efficiency the technology should also have a practical application in production. This paper has the aim to provide a case-study based on existing cost figures to show that these technologies are not limited to prototype developments.

  3. 我國私立技術校院財務運作之研究 Financial Management of Taiwan’s Private Institutes of Technology

    Directory of Open Access Journals (Sweden)

    林宜樺 Yi-Hua Lin

    2013-03-01

    Full Text Available 對於國立大專校院及一般私立大學,我國私立科技大學及技術學院在學校規模或政府資源分配都明顯處於劣勢,尤其近年受少子女化影響,生源逐年減少,對於高度依賴學生繳交學雜費以維持正常運作的私立技術校院而言,財務收入更顯嚴峻,招生不佳的學校甚至可能面臨退場困境;因此,如何維持最佳財務狀況以提供豐裕的教育資源,提升辦學品質,吸引學生就讀,遂成為這群爭取高教經 費最弱勢且擔負照顧最多弱勢學生的私立技術校院最重要的工作。本文目的即在了解2006至2008這三年期間我國私立技術校院財務運作狀況,並以招生良窳學校進行彼此與整體相互比較,期望該分析結果可以有效改善我國私立技術校院的財務運作策略,提升對弱勢學生的就學照顧。本文發現學雜費確實為私立技術校院最主要之收入來源,占其總收入的七成,但在面對少子女化的挑戰,其財務開源與節流策略仍明顯不足;招生情況良好的學校因為其他收入來源相對豐厚,對學雜費收入依賴程度較低,但仍致力於辦學品質的提升與學生就學條件的改善;招生情況較差的學校卻未用心於改善財務運作及辦學條件。根據上述發現,本文分別對私立技術校院、招生情況前段與後段學校提供建議。 Compared with public higher education institutions and private universities, private institutes of technology in Taiwan encounter more disadvantages. Due to the low birthrate in recent years, private institutes of technology, highly dependent on tuition, have experienced financial difficulties, and some institutions lacking sufficient enrollments have been forced to shut down. The purpose of this paper was to describe the financial structure of private institutes of technology from 2006 to 2008 and then it compares the institutes with good

  4. Information Technology and Aesthetics: Passive and Active Dimensions

    Directory of Open Access Journals (Sweden)

    John D Haynes

    2007-09-01

    Full Text Available This paper is concerned with examining and recognizing aesthetics in an Information System (an organization incorporating both humans and information technology. Aesthetics emerge from the wholeness of things, not from specific parts or components. As such, aesthetics may naturally be considered in “systems”, and we propose that an effective manner of thinking of aesthetics is to think in terms of “themes”. Humans have an extraordinary capacity to capture events thematically. In other words, human beings have a natural sense of aesthetics. To examine aesthetics in an information systems context, we argue that one must consider not only aesthetics that may be perceived by the senses (a passive dimension, but also aesthetics that may be conceived in the mind (an active dimension. This paper draws the conclusion that the benefits of aesthetics in relation to the study of Information Systems, has characteristics similar to the nature and importance of ethics in IS. Also, the study of aesthetics in IS has greater implications than simply recognizing and appreciating beauty and art. The very human capacity for recognizing and appreciating beauty and art is also the same capacity for effective creativity and happiness: the active aesthetic dimension. It follows that if an information system encouraged and provided the enabling circumstances for the human capacity of thematic recognition (as found in the human appreciation of art and beauty it thereby also provides the ground and the necessary thematically recognizable stimulus for effective creative and visionary organizational management.

  5. CEA - 2011 annual report, 2011 financial statement

    International Nuclear Information System (INIS)

    2012-06-01

    The first report, available both in French and English, presents the different current programs: low carbon energies and associated fundamental researches, global defence and safety and associated researches, information technologies and associated researches, technologies for health and associated fundamental researches, very large research infrastructures and associated fundamental researches. It then addresses the CEA openness: assessment, teaching and training, research valorisation, awards, and the support to various programs: steering activity by the CEA, human resources, international relationships, communication, risk management, information systems. The last part describes the CEA organisation. The second report presents the different financial and accounting data and tables

  6. How Technology and Collaboration Promote Formative Feedback: A Role for CSCL Research in Active Learning Interventions

    Science.gov (United States)

    Wu, Sally P. W.; Rau, Martina A.

    2017-01-01

    Recent evidence for the effectiveness of active learning interventions has led educators to advocate for widespread adoption of active learning in undergraduate science, technology, engineering, and mathematics courses. Active learning interventions implement technology and collaboration to engage students actively with the content. Yet, it is…

  7. Financial Anxiety, Physiological Arousal, and Planning Intention

    Directory of Open Access Journals (Sweden)

    John Grable

    2014-12-01

    Full Text Available Results from this exploratory clinical study indicate that financial anxiety—holding an unhealthy attitude about one’s financial situation—and physiological arousal—the physical precursor to behavior—play important roles in shaping consumer intention to engage in future financial planning activity. Findings suggest that those who are most likely to engage the services of a financial adviser exhibit low levels of financial anxiety and moderate to high levels of physiological arousal. The least likely to seek the help of a financial adviser are those who exhibit high financial anxiety and low physiological arousal. Results support findings documented in the literature that high anxiety levels often lead to a form of self-imposed helplessness. In order to move those experiencing financial anxiety towards financial solutions, financial advisers ought to take steps to simultaneously reduce financial stressors and stimulate arousal as a way to promote behavioral change and help seeking.

  8. Agricultural Science and Technology Teachers' Perceptions of iPod and Mp3 Technology Integration into Curricular and Cocurricular Activities

    Science.gov (United States)

    Murphrey, Theresa Pesl; Miller, Kimberly A.; Roberts, T. Grady

    2009-01-01

    The purpose of this study was to describe agricultural science and technology teachers' reaction to iPod and mp3 technology use and potential use in both curricular and cocurricular activities. A total of 112 unique respondents provided written responses to open-ended questions. Study findings reveal that agricultural science and technology…

  9. Annual and activity report 2005 - INB - Brazilian Nuclear Industries. Nuclear fuel: technology for the essential

    International Nuclear Information System (INIS)

    2005-01-01

    This document reports the activities of Brazilian Nuclear Industry company during 2005 as follows: uranium isotope enrichment; production of nuclear fuel; mineral resources; finance and administration; planning and sales; quality, safety and environment, communication and social action; economic and financial management

  10. Science and technology as strategic way for nuclear activities

    International Nuclear Information System (INIS)

    Paiano, Silvestre

    2000-01-01

    The article brings few instructive examples on the interaction between nuclear energy and other areas of science and technology, Microelectronics, computer technology, and new materials are among the many technologies which are crucial for developing nuclear energy technology. On the other way round, nuclear energy presents also a wide range of new demands and opportunities for several areas of science and technology. The problem is that such a relationship is not well understood by the society, and to a large extent it brings about the very process of legitimating the use of nuclear energy (author)

  11. Engineering and Technology Challenges for Active Debris Removal

    Science.gov (United States)

    Liou, Jer-Chyi

    2011-01-01

    After more than fifty years of space activities, the near-Earth environment is polluted with man-made orbital debris. The collision between Cosmos 2251 and the operational Iridium 33 in 2009 signaled a potential collision cascade effect, also known as the "Kessler Syndrome", in the environment. Various modelling studies have suggested that the commonly-adopted mitigation measures will not be sufficient to stabilize the future debris population. Active debris removal must be considered to remediate the environment. This paper summarizes the key issues associated with debris removal and describes the technology and engineering challenges to move forward. Fifty-four years after the launch of Sputnik 1, satellites have become an integral part of human society. Unfortunately, the ongoing space activities have left behind an undesirable byproduct orbital debris. This environment problem is threatening the current and future space activities. On average, two Shuttle window panels are replaced after every mission due to damage by micrometeoroid or orbital debris impacts. More than 100 collision avoidance maneuvers were conducted by satellite operators in 2010 to reduce the impact risks of their satellites with respect to objects in the U.S. Space Surveillance Network (SSN) catalog. Of the four known accident collisions between objects in the SSN catalog, the last one, collision between Cosmos 2251 and the operational Iridium 33 in 2009, was the most significant. It was the first ever accidental catastrophic destruction of an operational satellite by another satellite. It also signaled the potential collision cascade effect in the environment, commonly known as the "Kessler Syndrome," predicted by Kessler and Cour-Palais in 1978 [1]. Figure 1 shows the historical increase of objects in the SSN catalog. The majority of the catalog objects are 10 cm and larger. As of April 2011, the total objects tracked by the SSN sensors were more than 22,000. However, approximately 6000 of

  12. DOE financial assurance presentation

    International Nuclear Information System (INIS)

    Huck, R.

    1990-01-01

    The presentation topic is California's approach to license application review in meeting financial assurances for the proposed Ward Valley site. The purpose of the presentation is to provide information on specific financial assurance provisions contained in 10 CFR Part 61 and how California intends to satisfy those requirements. Also, as rate setter, California intends to demonstrate how it will assure allowable costs to the rate base though a financial prudency review. The key provisions of financial assurance are: 10 CFR Section 61.61 - This provision requires an applicant to demonstrate its ability to finance licensed activities; 10 CFR Section 61.62 - This provision requires an applicant to provide assurance that sufficient funds will be available for site closure and stabilization; and 10 CFR Section 61.63 - This provision requires an applicant to provide 'a copy of a binding arrangement, such as a lease, between the applicant and the disposal site owner, so that sufficient funds will be available to cover the costs of the institutional control period.' To assist California in its determination of financial assurance compliance to be demonstrated by the applicant for Part 61 requirements, is NUREG guidance document 1199 'Standard Format and Content of a License Application for a Low-Level Radioactive Waste (LLRW) Disposal Facility.' The detailed financial assurance provisions of NUREG 1199 are then embodied in NUREG 1200, 'Standard Review Plant for the Review of a License Application for a LLRW Disposal Facility.'

  13. Theory and Practice of Financial Analysis

    OpenAIRE

    Jakova, Ivana

    2009-01-01

    Analysts, managers or other business executives and students have at their disposal wide variety analytical techniques when they want to evaluate company's financial position or when they wish to better understand the financial implication of business operational activities or investment. This thesis examines the uses of financial analysis as one of the main financial assessment techniques. After describing theoretically the main tools of financial analysis, this thesis determines the practic...

  14. DOD Financial Management: Additional Efforts Needed to Improve Audit Readiness of Navy Military Pay and Other Related Activities

    Science.gov (United States)

    2015-09-01

    of Major Systems Involved in Processing and Reporting Navy Military Payroll 8 Figure 3: Management Representation Letter Timeline for the April 2013...Figure 3: Management Representation Letter Timeline for the April 2013 Military Payroll Examination Without a policy that addresses...DOD FINANCIAL MANAGEMENT Additional Efforts Needed to Improve Audit Readiness of Navy Military Pay and Other Related

  15. Annual Report on State Financial Aid Programs: 2007-08 Accounting, 2008-09 Estimates, and Notable Events and Activities

    Science.gov (United States)

    Washington Higher Education Coordinating Board, 2009

    2009-01-01

    The state of Washington has a long-standing commitment to postsecondary education opportunities for all students, regardless of income. The purpose of this report is to provide the members of the Higher Education Coordinating Board with: (1) An overview of state, federal, and institutional financial aid in Washington; (2) A description of notable…

  16. How to change GEBCO outreach activities with Information technologies?

    Science.gov (United States)

    Chang, E.; Park, K.

    2014-12-01

    Since 1995, when National Geographic Information Project began, we have great advance in mapping itself and information service on the earth surface in Korea whether paper maps or online service map. By reviewing geological and mine-related information service in current and comparisons of demands, GEBCO outreach master plan has been prepared. Information service cannot be separated from data production and on dissemination policies. We suggest the potential impact of the changes in information technologies such as mobile service and data fusion, and big data on GEBCO maps based. Less cost and high performance in data service will stimulate more information service; therefore it is necessary to have more customer-oriented manipulation on the data. By inquiring questionnaire, we can draw the potential needs on GEBCO products in various aspects: such as education, accessibility. The gap between experts and non-experts will decrease by digital service from the private and public organizations such as international academic societies since research funds and policies tend to pursue "openness" and "interoperability" among the domains. Some background why and how to prepare outreach activities in GEBCO will be shown.

  17. The Architecture of Financial Risk Management Systems

    Directory of Open Access Journals (Sweden)

    Iosif ZIMAN

    2013-01-01

    Full Text Available The architecture of systems dedicated to risk management is probably one of the more complex tasks to tackle in the world of finance. Financial risk has been at the center of attention since the explosive growth of financial markets and even more so after the 2008 financial crisis. At multiple levels, financial companies, financial regulatory bodies, governments and cross-national regulatory bodies, all have put the subject of financial risk in particular and the way it is calculated, managed, reported and monitored under intense scrutiny. As a result the technology underpinnings which support the implementation of financial risk systems has evolved considerably and has become one of the most complex areas involving systems and technology in the context of the financial industry. We present the main paradigms, require-ments and design considerations when undertaking the implementation of risk system and give examples of user requirements, sample product coverage and performance parameters.

  18. Educational Technology as a Subversive Activity: Questioning Assumptions Related to Teaching and Leading with Technology

    Science.gov (United States)

    Kruger-Ross, Matthew J.; Holcomb, Lori B.

    2012-01-01

    The use of educational technologies is grounded in the assumptions of teachers, learners, and administrators. Assumptions are choices that structure our understandings and help us make meaning. Current advances in Web 2.0 and social media technologies challenge our assumptions about teaching and learning. The intersection of technology and…

  19. Canada and international financial institutions

    OpenAIRE

    Robert Lafrance; James Powell

    1996-01-01

    International financial institutions, such as the International Monetary Fund, the World Bank and the Bank for International Settlements, are important players in the global financial system. This article provides an overview of the major international financial institutions to which Canada belongs. The paper highlights their activities and the nature of Canada's involvement, including that of the Bank of Canada. Recent initiatives coming out of the Halifax and Lyon Summits to improve the eff...

  20. Is the RFID technology ready to integrate supplychain activities?

    OpenAIRE

    Chan, Hing Kai; Chan, Felix T.S.

    2008-01-01

    Radio Frequency Identification (RFID) is not a new technology andhas been introduced for military applications for a long time. Nevertheless, ithas been recognised as a device that may soon change the mode of operationsthroughout the supply chain. There is no question that the technology willreduce labour and improve accuracy in inventory management by improvinginventory visibility. However, a review of recent research and the developmentof RFID technology in supply chain related applications...

  1. Integrated Microelectronics and Photonics Active Cooling Technology (IMPACT)

    National Research Council Canada - National Science Library

    Bowers, John

    2003-01-01

    ...) coolers and their integration with microelectronics and photonics. The majority of our research involves the development of this new technology through nanostructured materials design and growth...

  2. A marketing perspective on the impact of financial and non-financial measures on shareholder value

    OpenAIRE

    Terblanche, Nic S; Gerber, Charlene; Erasmus, Pierre; Schmidt, Delia

    2013-01-01

    The pressure for financial accountability contributed to widespread concern about the function of marketing within the company. Consequently, marketers have become preoccupied with measuring the performance of marketing activity. Diverse financial and non-financial methods have been developed to provide evidence of how marketing activity impacts on the bottom line. This article proposes an approach whereby financial and non-financial performance measures are combined to measure the contributi...

  3. PROFITABILITY AND FINANCIAL STABILITY

    Directory of Open Access Journals (Sweden)

    CĂRUNTU CONSTANTIN

    2011-09-01

    Full Text Available The business activity allows identifying two categories of flows: flows of results and cash flows. Flows affect the income and expenses, participating in training result, the company's profitability. Financial flows involved in their formation both monetary items (which drive the monetary input or output and thus implies a cash flow, and non-cash items (affecting the result, without leading to a cash flow. Are equally identifiable cash flows that do not involve an immediate effect on the outcome or effect on the result equivalent to that spread on the treasury. Financial equilibrium in a general manner evokes the idea of harmony between different elements of a system, which in finance is harmonization of resources with the needs. Financial equilibrium can be defined by the company's ability to secure payment of its proceeds without interruption to current liabilities incurred in implementing its object of activity or tax laws, so it can avoid the risk of bankruptcy. Maintaining financial stability is the essential condition of survival of the enterprise, financial and balanced assessment must take into account the concrete conditions of the occurrence of default.

  4. Application of nuclear technology for sustainable development, and IAEA activities

    International Nuclear Information System (INIS)

    Machi, Sueo

    1998-01-01

    The role of radiation and isotopes for sustainable development in improving agriculture, industry and environmental conservation is presented. The radiation and isotope technology can increase productivity in a sustainable way. The IAEA programmes encompass mutation breeding, soil fertility and crop production, animal production, food irradiation, agrochemicals and insect pest control using nuclear technology

  5. Idaho Nuclear Technology and Engineering Center Low-Activity Waste Process Technology Program FY-98 Status Report

    International Nuclear Information System (INIS)

    Herbst, A.K.; McCray, J.A.; Rogers, A.Z.; Simmons, R.F.; Palethrope, S.J.

    1999-01-01

    The Low-Activity Waste Process Technology Program at the Idaho Nuclear Technology and Engineering Center (INTEC) anticipates that large volumes of low-level/low-activity wastes will need to be grouted prior to near-surface disposal. During fiscal year 1998, three grout formulations were studied for low-activity wastes derived from INTEC liquid sodium-bearing waste. Compressive strength and leach results are presented for phosphate bonding cement, acidic grout, and alkaline grout formulations. In an additional study, grout formulations are recommended for stabilization of the INTEC underground storage tank residual heels

  6. Science and technology of plasma activated direct wafer bonding

    Science.gov (United States)

    Roberds, Brian Edward

    This dissertation studied the kinetics of silicon direct wafer bonding with emphasis on low temperature bonding mechanisms. The project goals were to understand the topological requirements for initial bonding, develop a tensile test to measure the bond strength as a function of time and temperature and, using the kinetic information obtained, develop lower temperature methods of bonding. A reproducible surface metrology metric for bonding was best described by power spectral density derived from atomic force microscopy measurements. From the tensile strength kinetics study it was found that low annealing temperatures could be used to obtain strong bonds, but at the expense of longer annealing times. Three models were developed to describe the kinetics. A diffusion controlled model and a reaction rate controlled model were developed for the higher temperature regimes (T > 600sp°C), and an electric field assisted oxidation model was proposed for the low temperature range. An in situ oxygen plasma treatment was used to further enhance the field-controlled mechanism which resulted in dramatic increases in the low temperature bonding kinetics. Multiple internal transmission Fourier transform infrared spectroscopy (MIT-FTIR) was used to monitor species evolution at the bonded interface and a capacitance-voltage (CV) study was undertaken to investigate charge distribution and surface states resulting from plasma activation. A short, less than a minute, plasma exposure prior to contacting the wafers was found to obtain very strong bonds for hydrophobic silicon wafers at very low temperatures (100sp°C). This novel bonding method may enable new technologies involving heterogeneous material systems or bonding partially fabricated devices to become realities.

  7. Technology of remote monitoring for nuclear activity monitoring

    Energy Technology Data Exchange (ETDEWEB)

    Kwack, Ehn Ho; Kim, Jong Soo; Yoon, Wan Ki; Park, Sung Sik; Na, Won Woo; An, Jin Soo; Cha, Hong Ryul; Kim, Jung Soo

    2000-05-01

    In a view of safeguards monitoring at nuclear facilities, the monitoring is changing to remote method so that this report is described to remote monitoring(RM) applying on commercial NPP in Korea. To enhance IAEA safeguards efficiency and effectiveness, IAEA is taking into account of remote monitoring system(RMS) and testing as a field trial. IRMP(International Remote Monitoring Project) in participating many nations for development of RMS is proceeding their project such as technical exchange and research etc. In case of our country are carrying out the research relevant RM since acceptance RMS at 7th ROK-IAEA safeguards implementation review meeting. With a view to enhancement the RMS, installation location and element technology of the RM equipment are evaluated in a view of safeguards in Korea LWRs, and proposed a procedure for national inspection application through remote data evaluation from Younggwang-3 NPP. These results are large valuable to use of national inspection at time point extending installation to all Korea PWR NPP. In case of CANDU, neutron, gamma measurement and basic concept of network using optical fiber scintillating detector as remote verification method for dry storage canister are described. Also RM basic design of spent fuel transfer campaign is described that unattended RM without inspector instead of performing in participating together with IAEA and national inspector. The transfer campaign means the spent fuel storage pond to dry storage canister for about two months every year. Therefore, positively participation of IAEA strength safeguards project will be increased transparency for our nuclear activity as well as contributed to national relevant industry.

  8. Technology of remote monitoring for nuclear activity monitoring

    International Nuclear Information System (INIS)

    Kwack, Ehn Ho; Kim, Jong Soo; Yoon, Wan Ki; Park, Sung Sik; Na, Won Woo; An, Jin Soo; Cha, Hong Ryul; Kim, Jung Soo

    2000-05-01

    In a view of safeguards monitoring at nuclear facilities, the monitoring is changing to remote method so that this report is described to remote monitoring(RM) applying on commercial NPP in Korea. To enhance IAEA safeguards efficiency and effectiveness, IAEA is taking into account of remote monitoring system(RMS) and testing as a field trial. IRMP(International Remote Monitoring Project) in participating many nations for development of RMS is proceeding their project such as technical exchange and research etc. In case of our country are carrying out the research relevant RM since acceptance RMS at 7th ROK-IAEA safeguards implementation review meeting. With a view to enhancement the RMS, installation location and element technology of the RM equipment are evaluated in a view of safeguards in Korea LWRs, and proposed a procedure for national inspection application through remote data evaluation from Younggwang-3 NPP. These results are large valuable to use of national inspection at time point extending installation to all Korea PWR NPP. In case of CANDU, neutron, gamma measurement and basic concept of network using optical fiber scintillating detector as remote verification method for dry storage canister are described. Also RM basic design of spent fuel transfer campaign is described that unattended RM without inspector instead of performing in participating together with IAEA and national inspector. The transfer campaign means the spent fuel storage pond to dry storage canister for about two months every year. Therefore, positively participation of IAEA strength safeguards project will be increased transparency for our nuclear activity as well as contributed to national relevant industry

  9. Offshoring and financial markets

    OpenAIRE

    Battisti, Gianfranco

    2014-01-01

    During the 20th century all economic structures underwent the impact of two epochal phenomena, the communications revolution and the financialization of economy. As a consequence of the never ending technological progress, the first has repeatedly reduced the friction of distance, provoking a radical change in the map of locational advantages. The result was a new model of international distribution of production that projected its effects to the core of business management, triggering a disi...

  10. INTEGRATED REPORTING - THE FUTURE OF FINANCIAL REPORTING

    OpenAIRE

    Diana Sabina COZMA IGHIAN

    2015-01-01

    From investors’ point of view, financial results are not sufficient to offer an overview of a given business. To provide an overview on the activity of an entity, reports will need to include both the traditional financial and non-financial part to provide information on sustainable development, the impact of the activity on the environment, and social responsibility.\\r\

  11. Financial Policies and the Prevention of Financial Crises in Emerging Market Economies

    OpenAIRE

    Mishkin, Frederic S.

    2001-01-01

    The author defines a financial crisis as a disruption in financial markets in which adverse selection and moral hazard problems become much worse, so that financial markets are unable to efficiently channel funds to those who have the most productive investment opportunities. As financial markets become unable to function efficiently, economic activity sharply contracts. Factors that promote ...

  12. Financial crimes and financial misdemeanours

    OpenAIRE

    Bamford, Colin

    2007-01-01

    The author argues that undesirable behaviour in the financial markets has not been countered by appropriate controls. Article by Colin Bamford (Barrister, 3-4 South Square) published in Amicus Curiae - Journal of the Society for Advanced Legal Studies. The Journal is produced by the Society for Advanced Legal Studies at the Institute of Advanced Legal Studies, University of London.

  13. Effect of Electronic Interactive Technologies Usage on Services Marketing Activities Empirical Study on Banking Sector in Jordan

    OpenAIRE

    Zakaria A. Azzam; Nidal M. Alramahi

    2010-01-01

    The importance of new technology in marketing of financial services can't be ignored. Interactive technology helpsmarketers to inexpensively engage consumers in one- to- one relationships fueled by two way conversation via mouse click oncomputer. Several organizations especially in services businesses are increasingly strengthening their marketing function byeffectively interacting with their customers with the help of sophisticated interactive technologies in an integrated manner.Enough rese...

  14. Consumer financial vulnerability: identifying transmission linkages ...

    African Journals Online (AJOL)

    activates the postulated consumer financial vulnerability index (CFVI) .... words, the relationship between income, consumption, debt and saving as well as .... separation/divorce and bad financial management, as well as exogenous factors.

  15. Niger institute focuses on financial accountability | IDRC ...

    International Development Research Centre (IDRC) Digital Library (Canada)

    2016-04-28

    Apr 28, 2016 ... Niger institute focuses on financial accountability ... on renewing outdated financial management systems that impeded effective management and reporting on its activities. ... Canada-Africa grants spur novel ideas, networks.

  16. 76 FR 18445 - Financial Market Utilities

    Science.gov (United States)

    2011-04-04

    ..., the risk of significant liquidity or credit problems spreading among financial institutions or markets..., and settlement activities of certain financial market utilities (``FMUs'') that are designated as.... SUPPLEMENTARY INFORMATION: [[Page 18446

  17. Macroprudential policy and financial stability

    Directory of Open Access Journals (Sweden)

    Bogdan CHIRIACESCU

    2013-02-01

    Full Text Available This paper tries a conceptual framing of the issue of financial stability in economic theory and also to identify solutions to address episodes of financial instability. An essential reference is Minsky's financial instability hypothesis, which argues that a fundamental feature of the financial system is that it swings between robustness and fragility and these pendulum swings are an integral part of the process that generates the business cycle. Studies show that the effects of banking crises on economic activity are important both in magnitude and duration. Recently, macroprudential policy stood out as a central pillar in promoting financial stability in a broad sense. Regarding specific objectives of macroprudential policy, the prevalent vision refers to limiting systemic risk and macroeconomic costs of financial crises, but there are also important nuances.

  18. International financial institutes and multipolarity challenges

    Directory of Open Access Journals (Sweden)

    Aleksei Vladimirovich Kuznetsov

    2017-12-01

    Full Text Available The world is changing, moving towards multi-polarity. However, despite the explicit shifting of the center of economic gravity from the West to the East, the dominance of the West in establishing the rules of conduct in the global economy and global finance remain virtually immutable. The author argues that the widely-discussed reform of the IMF quota and governance has not led to a significant strengthening of the role of the most dynamically developing emerging economies in the Fund’s decision-making. Regional economic players (such as the BRICS have been actively involved in the international division of labor. However, the existence of institutional financial monopolies hinders the redistribution of global value added. Armed with the advanced information technologies and financial innovations, the leaders of financial globalization are redirecting scarce global resources in favor of the world-systemic core. The study is based on comparative methods and system analysis and aims to provide a comprehensive view on the way of involvement of global financial institutions in the control of the processes of financial globalization. US dominance in international financial institutions contribute to the further advancement of the global role of dollar as reserve currency of central banks, the currency of international settlements, deposits, loans and investments. It’s shown that the implementation of financial globalization is strongly correlated with the concept of the «center-periphery» model, on which the functioning of the global capital market is dependent. The features of the modern structure of the global currency market are summarized. The article reveals some legal aspects of global governance, in particular the role of the Anglo-American law in the global economy and global finance. It is concluded that for full participation of emerging markets, particularly the BRICS countries, in the processes of globalization, it is necessary to

  19. FINANCIAL INTERMEDIATION, ENTREPRENEURSHIP AND ECONOMIC GROWTH

    OpenAIRE

    Wenli Cheng

    2007-01-01

    This paper presents a simple general equilibrium model of financial intermediation, entrepreneurship and economic growth. In this model, the role of financial intermediation is to pool savings and to lend the pooled funds to an entrepreneur, who in turn invests the funds in a new production technology. The adoption of the new production technology improves individual real income. Thus financial intermediation promotes economic growth through affecting individuals’ saving behaviour and enabl...

  20. The Importance of Financial Literacy

    Science.gov (United States)

    Kezar, Adrianna; Yang, Hannah

    2010-01-01

    In this article, the authors argue that campus communities must play a more active role in developing financial literacy than they currently do--and not just by providing counseling in moments of emergency. They argue that financial literacy, as a life skill, as a requisite to citizenship, and as a critical intellectual competency, is an essential…

  1. Active and Passive Technology Integration: A Novel Approach for Managing Technology's Influence on Learning Experiences in Context-Aware Learning Spaces

    Science.gov (United States)

    Laine, Teemu H.; Nygren, Eeva

    2016-01-01

    Technology integration is the process of overcoming different barriers that hinder efficient utilisation of learning technologies. The authors divide technology integration into two components based on technology's role in the integration process. In active integration, the technology integrates learning resources into a learning space, making it…

  2. Financial Distress in Small and Medium Enterprises (SMES of Bangladesh: Determinants and Remedial Measures

    Directory of Open Access Journals (Sweden)

    Mohammad Saleh JAHUR

    2012-06-01

    Full Text Available Financial distress in SMEs is a common phenomenon across the world, which has been a subject matter of academicians, professionals and government. Although SMEs are contributing to the economy in the form of employment, supply of products and services by using indigenous technologies, social entrepreneurship, income generating activities etc. SMEs are found most vulnerable to the macro-economic as well as internal management crises. Consequently, they fall into financial distress. In view of this, the present study has been undertaken aiming at identifying the causes of financial distress in SMEs of Bangladesh. The study has employed both financial and statistical techniques for analyzing the data collected for the study. The study has identified some potential problem areas related to financial distress such as rate adequacy, sales trends, indebtedness, management capability, financial planning, etc. The study has also identified some most important causes of financial distress such as fund management & resource crunch, poor accounting system, poor financial control, poor productivity and profitability and management succession. The study has finally come out some strategic and policy related measures for both viable and financially distressed SMEs for preventing them from the exposition to financial and operating risk.

  3. A Review of Technology Education in Ireland; a Changing Technological Environment Promoting Design Activity

    Science.gov (United States)

    Leahy, Keelin; Phelan, Pat

    2014-01-01

    In Ireland, Technology Education's structure and organisation across the levels of education is not delivered or governed in a coherent manner. Technology Education in primary level education, for students between 5 and 12 years of age, does not explicitly exist as a separate subject. In primary level education, Social, Environmental and…

  4. Introducing information technologies into medical education: activities of the AAMC.

    Science.gov (United States)

    Salas, A A; Anderson, M B

    1997-03-01

    Previous articles in this column have discussed how new information technologies are revolutionizing medical education. In this article, two staff members from the Association of American Medical College's Division of Medical Education discuss how the Association (the AAMC) is working both to support the introduction of new technologies into medical education and to facilitate dialogue on information technology and curriculum issues among AAMC constituents and staff. The authors describe six AAMC initiatives related to computing in medical education: the Medical School Objectives Project, the National Curriculum Database Project, the Information Technology and Medical Education Project, a professional development program for chief information officers, the AAMC ACCESS Data Collection and Dissemination System, and the internal Staff Interest Group on Medical Informatics and Medical Education.

  5. Solar thermal collectors at design and technology activity days

    OpenAIRE

    Petrina, Darinka

    2016-01-01

    Thesis encompases usage of renewable resources of energy, especially solar energy, which is essential for our future. On one hand, certain ways of exploiting solar energy (with solar cells) have been well established and is included in the Design and technology curriculum, on the other hand however, solar thermal collectors have not been recognized enough in spite of their distribution, applicability and environmentally friendly technology. Consequently thesis emphasizes the usage of solar en...

  6. TECHNOLOGIES OF INITIATING STUDENTS INTO INDEPENDENT (SELF-GUIDED ACTIVITY IN SUPPLEMENTARY DISTANCE LEARNING

    Directory of Open Access Journals (Sweden)

    Irina V. Abakumova

    2016-12-01

    Full Text Available The research in question investigates the technologies of initiating independent activity within the framework of distance learning and their psychological aspects. The authors’ classification of educational technologies of initiating students into independent cognitive activity is presented. Such technologies utilize various psychological mechanisms of exciting students’ cognitive interest, intensifying cognitive processes, developing independent activity skills, and, as a result, increase motivation for independent activity and learning on the whole. These include such types of technologies as developmental technologies, interactive technologies, technologies of information transfer, technologies of meaning-making initiation. The research of the attitude of distance learning educators to independent activity of students and the content of the academic courses were done at Moodle-based education programs. The findings show the differences in retention rate among distance learning educators whose competence in terms of initiating students into independent (self-guided activity varies. It’s emphasized that interactive lectures, videoconferences, audio-visual aids, interactive seminars, glossaries, interactive tests are considered the most efficient technologies in initiating students into independent (self-guided activity. The obtained results have made it possible to stress the developmental effect of distance learning technologies and the technologies of initiating students into independent (self-guided activity in various psychic spheres of students: cognitive, individual, emotional. We mention the changes in motivational sphere of students and their meaning-making activity. In the course of correct development of distance learning we notice the development of voluntary and nonvoluntary cognitive activity. A student starts actively participating in educational process, he becomes the creator of his own world.

  7. Remote monitoring technologies for the prevention of metabolic syndrome: the Diabetes and Technology for Increased Activity (DaTA) study.

    Science.gov (United States)

    Stuckey, Melanie; Fulkerson, Robyn; Read, Emily; Russell-Minda, Elizabeth; Munoz, Claudio; Kleinstiver, Peter; Petrella, Robert

    2011-07-01

    Remote monitoring technologies are ideally suited for rural communities with limited access to health care. In an 8-week pilot study, we examined the feasibility of implementing and conducting a technology-intensive intervention in an underserviced rural setting. Our goal was to test the utility of self-monitoring technologies, physical activity, and education as tools to manage health indicators for the development of the cardiovascular complications (CVCs) of type 2 diabetes. The Diabetes and Technology for Increased Activity study was an open single-center study conducted in a community-based research setting. All 24 participants were provided with a Blackberry™ Smartphone, blood pressure monitor, glucometer, and pedometer. Smartphones transmitted measurements and survey results to the database, interfaced participants with the clinical team, and allowed for self-monitoring. Outcomes were improved body composition, improved markers of CVC risk factors, increased daily exercise, and interest in or awareness of lifestyle changes that impact health outcomes. Participants had excellent compliance for measurements, as self-monitoring provided a sense of security that improved from week 4 to week 8. Our team gained substantial insight into the operational requirements of technology-facilitated health care, including redefined hours of service; data reporting, management, and access protocols; and the utility of real-time clinical measures by remote monitoring. We developed an understanding of knowledge translation strategies as well as successful motivational and educational tools. Importantly, remote monitoring technology was found to be feasible and accepted in a rural setting. © 2011 Diabetes Technology Society.

  8. Scientific and Technological Information Activity in China (White Paper on Science and Technology : No.1, 1986.5)

    Science.gov (United States)

    Translated By Joho Kanri Editorial Committee

    This is a translation of Chapter 4 : Information Systems of Volume 5 : Environment and Resources in the first number of White Paper on Science and Technology edited in May 1986 by State Scientific and Technological Commission (SSTC). Scientific and technological information activity in China has progressed by keeping close cooperation among the Institute for Scientific and Technological Information in China (ISTIC) as a core organization, 33 information institutes under the control of each ministrial commission of The State Council and 35 information institutes of the local governments and cities. As a result of having promoted the information activities along with the guiding principle decided by the 5th National Conference on Scientific and Technological Information in July 1980, information business could be made a great contribution to political decision, national projects and economy stressing plan, technology introduction, etc. The Scientific and Technological Information Bureau of SSTC as a coordinating body proposed the following subjects as an important item for promoting future information business in China: standardization of abstract journals, bringing up of investigators and researchers, production of data bases and consolidation of international online retrieval services, step by step introduction of a charging system for information service, etc.

  9. Guidelines on Active Content and Mobile Code: Recommendations of the National Institute of Standards and Technology

    National Research Council Canada - National Science Library

    Jansen, Wayne

    2001-01-01

    .... One such category of technologies is active content. Broadly speaking, active content refers to electronic documents that, unlike past character documents based on the American Standard Code for Information Interchange (ASCII...

  10. FENTON-DRIVEN REGENERATION OF GRANULAR ACTIVATED CARBON: A TECHNOLOGY OVERVIEW

    Science.gov (United States)

    A Fenton-driven mechanism for regenerating spent granular activated carbon (GAC) involves the combined, synergistic use of two reliable and well established treatment technologies - adsorption onto activated carbon and Fenton oxidation. During carbon adsorption treatment, enviro...

  11. Study on Science and Technology of Modern Corporate Finance and Traditional Financial Theory%现代财务学的科技特质与传统理财思想研究

    Institute of Scientific and Technical Information of China (English)

    常华兵

    2015-01-01

    The evident deviation has arisen between science and technology of modern corporate finance and traditional fi-nancial theory,which is indifferent principle of righteousness,running wild tool reason,fictitious wealth formation.At the same time of improving precision to make policy,people foremost finance is far away and the requirements of the era of sus-tainable development is going against.We must draw nutrition from soil of traditional financial theory to correct science and technology financial theory,including to reshape the financial ethics,bring ecology and environment into finance accounting system,set up new profit distribution model,the focus of financial theory research and service should be shifted to the real economy.%现代财务学的科技特质与传统理财思想之间已出现了明显分野,表现为“义”原则的淡漠、工具理性的横决、财富形态趋向虚拟化等,在提高了决策精度的同时也让人本财务远离而去,违背了可持续发展的时代要求。修正现代财务学框架,必须从传统理财思想的土壤中汲取营养,包括重塑财务学伦理规范,将生态环境耗费纳入财务核算系统,建立利益分配新模式,财务理论研究和服务的重点应转向实体经济等。

  12. CEA - 2012 Annual Report, 2012 Financial Statements

    International Nuclear Information System (INIS)

    2013-01-01

    In its first part, this report proposes an overview of activities within the CEA. They concern the CEA's programs on low on carbon energies and associated fundamental researches, on defence and global security and associated fundamental researches, on information technologies and associated fundamental researches, on health technologies and associated fundamental researches, and on very large research infrastructures and associated fundamental researches. The second part addresses the scientific assessment, activities related to teaching and training, to innovation towards enterprises, and to support to valorization. It also indicates prices awarded to the CEA. The third part addresses CEA management and institutional relationships, human resources, international relationships, activities related to communication and information diffusion, and risk management. The fourth part describes the CEA organization, its governance and its various bodies. The second volume contains the financial statements for 2012

  13. The Framing of Climate-Change Discourse by Shell and the Framing of Shell’s Climate Change-Related Activities by The Economist and The Financial Times

    Directory of Open Access Journals (Sweden)

    Oleksandr Kapranov

    2017-09-01

    Full Text Available This article presents a qualitative study of the Royal Dutch/Shell Group’s (further - Shell corporate image building in relation to climate change and how this image is represented in the British financial press. The material of the study involves the official 2014 Shell’s annual report (further - AR and online coverages of Shell’s climate change-related activities by the leading British financial newspapers, The Economist and The Financial Times (further – The FT. Shell’s image of climate change is investigated by means of identification of conceptual metaphors viewed through the lenses of the methodological apparatus of cognitive linguistics. Conceptual metaphors identified in the 2014 AR are subsequently juxtaposed with conceptual metaphors associated with Shell’s climate-change activities in The Economist and in The FT. The results reveal that Shell’s 2014 AR involves the following conceptual metaphors associated with climate change: ‘Climate Change as a Journey’, ‘Climate Change as a Battle’, ‘Shell as a Responsible Citizen’, ‘Shell as a Caring Corporation’, ‘Climate Change as Growth’, and ‘Climate Change as Money’. In contrast with these conceptual metaphors, The Economist represents Shell’s climate change activities in 2014 via ‘Shell as an Immoral Corporation’ and ‘Shell as a Sinner’. The FT frames Shell’s climate change agenda in 2014 by means of conceptual metaphors ‘Climate Change as Growth’, ‘Climate Change as a Journey’, and ‘Climate Change as Money’ respectively. The discrepancies between Shell’s self-image of climate change and its representations by The Economist and The FT are further presented and discussed in the article.

  14. Education Technologies in Addressing the Problem of Forming the Socially Active Individual

    Science.gov (United States)

    Popova, Irina N.

    2016-01-01

    The article is devoted to the analysis of technological support of the educational process in solving the problem of forming the socially active individual. The authors studied the value of the category "social activity" and analyzed educational technologies that have an impact on its formation. The obtained results gave the possibility…

  15. Complementarities between organizational changes, R&D activity and technological cooperation for the French manufacturing firms

    OpenAIRE

    Hajjem, Olfa; Ayadi, Mohamed; Garrouste, Pierre

    2011-01-01

    This article analyzes the determinants of the French companies’ innovation activity while highlighting the importance and the complementarities of the organizational and technological practices’impact. Our results suggest on one hand, that the product or process innovation is determined by the internal and external attributes of the company (size, demand pull and technological class). On the other hand, the complementarities tests between the technological (R&D activity and ...

  16. Proposal of Instruction Process for Improvement of Language Activities in Technology Education Course

    OpenAIRE

    山本, 智広; 山本, 利一

    2012-01-01

    This study is a proposal of instruction process for improvement of language activities in the technology education course in the junior high school in Japan. In this study, two efforts were carried out for the technology concerning material and processing. The first effort was the extraction of the learning situations that develop abilities of thinking, judgment and expression through language activities peculiar to the technology education course. The second effort was the verification o...

  17. Experimental research of technology activating catalysts for SCR DeNOx in boiler

    Science.gov (United States)

    Zeng, Xi; Yang, Zhengde; Li, Yan; Chen, Donglin

    2018-01-01

    In order to improve activity of the catalysts used in SCR DeNOx system of flue gas, a series of catalysts activated by different activating liquids under varied conditions in boiler directly were conducted. Then these catalysts were characterized by SEM, FT-IR and BET technology. And NO conversions of the activated catalysts were studied and compared with that of inactivated catalyst. The above experiment shows that NO conversion of the activated catalyst can be up to 99%, which 30% higher than that of inactivated catalyst, so activity of catalysts were improved greatly. Furthermore, optimal activating liquid labeled L2 and effective technology parameters were gained in the experiment.

  18. Oil atlas: National Petroleum Technology Office activities across the United States

    Energy Technology Data Exchange (ETDEWEB)

    Tiedemann, H.A.

    1998-03-01

    Petroleum imports account for the largest share of the US trade deficit. Over one-third of the 1996 merchandise trade deficit is attributed to imported oil. The good news is that substantial domestic oil resources, both existing and yet-to-be-discovered, can be recovered using advanced petroleum technologies. The Energy Information Agency estimates that advanced technologies can yield 10 billion additional barrels, equal to $240 billion in import offsets. The US Department of Energy`s National Petroleum Technology Office works with industry to develop advanced petroleum technologies and to transfer successful technologies to domestic oil producers. This publication shows the locations of these important technology development efforts and lists DOE`s partners in this critical venture. The National Petroleum Technology Office has 369 active technology development projects grouped into six product lines: Advanced Diagnostics and Imaging Systems; Advanced Drilling, Completion, and Stimulation; Reservoir Life Extension and Management; Emerging Processing Technology Applications; Effective Environmental Protection; and Crosscutting Program Areas.

  19. Teaching retirement financial literacy in an undergraduate gerontology classroom: broadening the concept of the tripod or three-legged stool of retirement income utilizing active learning.

    Science.gov (United States)

    Baker, Hallie E; Brown, Pamela Pitman

    2015-01-01

    The three-legged stool concept is widely used in gerontological and geriatric education as an explanation on how one should fiscally approach his or her retirement. Financial managers, planners, retirees, business owners, even the Social Security Administration uses this metaphor of fiscal soundness in retirement planning. Gerontologists are moving away from the "tripod of retirement income" and "three-legged stool" term, as more often market work is needed for financial security. This activity focuses on the tripod or three-legged stool concepts of retirement planning using active learning, allowing the students to work collaboratively in a group, reflect upon the activity, and most importantly have fun. The game also allows for an expansion of the tripod concepts into the four pillars of economic security, broaching the use of personal assets and the possible need for longer employment. Game scenarios also emphasize macro- and microlevel forces, such as race, gender, health status, education, or marital status, which can influence timing of retirement or the level of retirement income available. The authors include instructions on how to set up the learning experience including worksheets, as well as reflection questions posed throughout the process.

  20. FDA's Activities Supporting Regulatory Application of "Next Gen" Sequencing Technologies.

    Science.gov (United States)

    Wilson, Carolyn A; Simonyan, Vahan

    2014-01-01

    Applications of next-generation sequencing (NGS) technologies require availability and access to an information technology (IT) infrastructure and bioinformatics tools for large amounts of data storage and analyses. The U.S. Food and Drug Administration (FDA) anticipates that the use of NGS data to support regulatory submissions will continue to increase as the scientific and clinical communities become more familiar with the technologies and identify more ways to apply these advanced methods to support development and evaluation of new biomedical products. FDA laboratories are conducting research on different NGS platforms and developing the IT infrastructure and bioinformatics tools needed to enable regulatory evaluation of the technologies and the data sponsors will submit. A High-performance Integrated Virtual Environment, or HIVE, has been launched, and development and refinement continues as a collaborative effort between the FDA and George Washington University to provide the tools to support these needs. The use of a highly parallelized environment facilitated by use of distributed cloud storage and computation has resulted in a platform that is both rapid and responsive to changing scientific needs. The FDA plans to further develop in-house capacity in this area, while also supporting engagement by the external community, by sponsoring an open, public workshop to discuss NGS technologies and data formats standardization, and to promote the adoption of interoperability protocols in September 2014. Next-generation sequencing (NGS) technologies are enabling breakthroughs in how the biomedical community is developing and evaluating medical products. One example is the potential application of this method to the detection and identification of microbial contaminants in biologic products. In order for the U.S. Food and Drug Administration (FDA) to be able to evaluate the utility of this technology, we need to have the information technology infrastructure and

  1. Financial Statements Analysis

    OpenAIRE

    Tănase Alin-Eliodor

    2014-01-01

    This article focuses on analyzing of a consolidated financial statements of a hypothetically SME. The interpretation of the financial position and performances is based on the more than 40 financial key ratios computed by using financial data from consolidated income statement, consolidated financial position and cash flow. However additional data from notes to financial statements are provided.

  2. An overview of NASA's activities in micro-nano technologies

    Science.gov (United States)

    Stocky, J. F.

    2000-01-01

    An examination of how mass is used in spacecraft design indicates that technology efforts directed only to reduce the mass of electronics, both digital and analog will not significantly reduce the mass of a spacecraft, regardless of how much success those efforts achieve.

  3. Active Learning Methods and Technology: Strategies for Design Education

    Science.gov (United States)

    Coorey, Jillian

    2016-01-01

    The demands in higher education are on the rise. Charged with teaching more content, increased class sizes and engaging students, educators face numerous challenges. In design education, educators are often torn between the teaching of technology and the teaching of theory. Learning the formal concepts of hierarchy, contrast and space provide the…

  4. Integrated imaging sensor systems with CMOS active pixel sensor technology

    Science.gov (United States)

    Yang, G.; Cunningham, T.; Ortiz, M.; Heynssens, J.; Sun, C.; Hancock, B.; Seshadri, S.; Wrigley, C.; McCarty, K.; Pain, B.

    2002-01-01

    This paper discusses common approaches to CMOS APS technology, as well as specific results on the five-wire programmable digital camera-on-a-chip developed at JPL. The paper also reports recent research in the design, operation, and performance of APS imagers for several imager applications.

  5. EPA activities related to emerging air sensor technology

    Science.gov (United States)

    This slide set was developed through contributions of NERL and NRMRL research groups and organized to explain the diversity of ongoing research related to emerging air sensor technology for an international audience. Gayle will be walking OAQPS through the slide set in advance o...

  6. Continuous manufacturing of active pharmaceutical ingredients via flow technology

    NARCIS (Netherlands)

    Borukhova, S.; Hessel, V.; Kleinbudde, P.; Khinast, J.; Rantanen, J.

    2017-01-01

    The main drivers to implement continuous manufacturing are aspects related to logistics, quality of the final product, chemistry to be implemented, process and safety concerns. Flow technology offers a platform to realize those drivers. This chapter introduces the reader to a relatively new

  7. Understanding Financial Statements. Financial Matters. Board Basics.

    Science.gov (United States)

    McCarthy, John H.; Turner, Robert M.

    1998-01-01

    This booklet for trustees of higher education institutions offers guidelines to help trustees understand the institution's financial statements. Individual sections describe the three major financial statements and cover topics such as: (1) standards of the Financial Accounting Standards Board; (2) the "statement of financial position,"…

  8. Networking activities in technology-based entrepreneurial teams

    DEFF Research Database (Denmark)

    Neergaard, Helle

    2005-01-01

    Based on social network theoy, this article investigates the distribution of networking roles and responsibilities in entrepreneurial founding teams. Its focus is on the team as a collection of individuals, thus allowing the research to address differences in networking patterns. It identifies six...... central networking activities and shows that not all founding team members are equally active 'networkers'. The analyses show that team members prioritize different networking activities and that one member in particular has extensive networking activities whereas other memebrs of the team are more...

  9. Cognitive Value of Financial Indicators

    Directory of Open Access Journals (Sweden)

    Gabriela Cristina FLOREA

    2012-11-01

    Full Text Available Economic and Financial indicators are very important tools in the assessment of the economic entity's well-being. They Provide permanent monitoring of the significance of the issues related to the economic activity's deployment. The main Objectives tracked by the process of managing the company with the help of Economic and Financial indicators is the activity's continuity, ensuring liquidity and Achieving positive results.

  10. FINANCIAL SYSTEM OF JAPAN: THE LEGAL REGULATION OF DISPUTES BETWEEN FINANCIAL SERVICES PROVIDERS AND CONSUMERS

    Directory of Open Access Journals (Sweden)

    E. E. Frolova

    2018-01-01

    Full Text Available Purpose: the article examines the main problems associated the regulatory acts of Japan – The Financial Instruments and Exchange Act, The Banking Act, The  Insurance Business Act, lists the types of financial disputes subject to alternative settlement, identified the parties to the financial dispute. To achieve this goal, the article must solve the following tasks: to determine whether there are institutions in Japan that provide services for resolving financial disputes; to investigate the main problems associated with the definition of the concept and types of financial dispute, the conditions for the transfer of a financial dispute to the competent authority.Methods: this article is based on an interdisciplinary concept of research, which allowed to distinguish the distinctive features of the legal regulation of the settlement of financial disputes in Malaysia.Results: acts of Japan – The Financial Instruments and Exchange Act, The Banking Act, The Insurance Business Act, – refer to financial disputes – disputes resolved by "Designated Dispute Resolution Organizations", the so-called "financial DDRO". Financial disputes are disputes between suppliers and consumers of financial services. The Financial Instruments and Exchange Act details the persons, whose activities fall within the definition of financial provider services. A brief list of financial service providers is available on the website of Japan's main financial regulator, the Financial Services Agency. The list include: Japanese banking institutions, branches and representative offices of foreign banks, business operators of financial instruments, insurance companies, trust companies, financial markets, foreign audit firms. However, unlike other countries of the Asia-Pacific region, consumers of financial services can be both physical and legal entities.Conclusions and Relevance: the materials presented in the article show the special role of "Designated Dispute Resolution

  11. 12 CFR 5.39 - Financial subsidiaries.

    Science.gov (United States)

    2010-01-01

    ... pursuant to § 5.34. (f) Impermissible activities. A financial subsidiary may not engage as principal in the... accounting principles, separately present financial information for the bank in the manner provided in... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Financial subsidiaries. 5.39 Section 5.39 Banks...

  12. 50 CFR 600.235 - Financial disclosure.

    Science.gov (United States)

    2010-10-01

    .... Financial interest in harvesting, processing, or marketing (1) includes: (i) Stock, equity, or other... interest in harvesting, processing, or marketing activity, and of any such financial interest of the... substantially disproportionate benefit to the financial interest in harvesting, processing, or marketing of any...

  13. Recent activities on water detritiation technology in JAEA

    Energy Technology Data Exchange (ETDEWEB)

    Iwai, Yasunori, E-mail: iwai.yasunori@jaea.go.jp [Japan Atomic Energy Agency, Tokai, Naka, Ibaraki 319-1195 (Japan); Kubo, Hitoshi; Ohshima, Yusuke; Noguchi, Hiroshi; Taniuchi, Junichi [Tanaka Kikinzoku Kogyo K.K., Wadai, Tsukuba, Ibaraki 300-4247 (Japan)

    2016-11-01

    Highlights: • Water detritiation technology has been developed for the Japanese fusion DEMO plant. • Durability of an ion exchange membrane was checked with concentrated tritiated water. • Hydrophobic catalyst of SiO{sub 2} substrate has been developed for water detritiation. - Abstract: Japan Atomic Energy Agency has developed the water detritiation technology for CECE process considering the escalation in quantity and tritium concentration of tritiated water to be processed toward realization of the Japanese fusion DEMO plant. A commercial ion exchange perfluoro-membrane for concentrated tritiated water electrolyzer is durable against irradiation up to 1500 kGy in view of mechanical strength and ion exchange capacity. Concerning hydrophobic catalyst for LPCE column, a new method of manufacturing catalysts involving hydrophobic processing with an inorganic substance base has been developed. The catalyst created with this method has achieved the highest exchange efficiency, equivalent to 1.3 times the previously most powerful efficiency.

  14. Interdependence between Logistics Activities and Information Communication Technologies (ICT

    Directory of Open Access Journals (Sweden)

    Evelin Vatovec Krmac

    2007-03-01

    Full Text Available With the growing trend toward the use of intema tiona/ supplychains and e-commerce, logistics service providers for productwarehousing, transportation and delivery are placinggreater emphasis on infomwtion communication technologies(ICT in order to remain competitive globally. In the last decades,innovative ICT have deeply affected the way business ispeJformed and the way that organizations compete. Innovationsin electronic commerce play a key role in managinginter-organizational networks of supply chain members. Theintemet represents a powerful technology for commerce andcommunication between supply chain participants as well as atechnique for the improvement of supply chain management.But there are still some barriers that prevent the use of ICT insupply chains and consequently the ability to utilize all potentialICT advantages.

  15. Global financial crisis

    Directory of Open Access Journals (Sweden)

    MSc. Jusuf Qarkaxhija

    2011-03-01

    Full Text Available The most recent developments in economy are a clear indicator of many changes, which are a result of this high rate pacing, which also demonstrates as such. Market economy processes occur as a result of intertwining of many potential technological and human factors, thereby creating a system of numerous diver-gences and turbulences. Economics, a social science, is characteri-sed with movements from a system to another system, and is har-monized with elements or components which have impacted the development and application of economic policies as a result. This example can be illustrated with the passing from a commanded system (centralized to a self-governing (decentrali-zed system, while the movement from a system to another is known as transi-tion. Such transition in its own nature bears a number of problems of almost any kind (political, economic, social, etc., and is charac-terised with differences from a country to another. Financial crisis is a phenomenon consisting of a perception of economic policies and creation of an economic and financial stabi-lity in regional and global structures. From this, one may assume that each system has its own changes in its nature, and as a result of these changes, we have the crisis of such a system. Even in the economic field, if we look closely, we have such a problem, where development trends both in human and technological fields have created a large gap between older times and today, thereby crea-ting dynamics with a high intensity of action. If we dwell on the problem, and enter into the financial world, we can see that the so-called industrialized countries have made giant leaps in deve-lopment, while countries in transition have stalled in many fields, as a result of a high rate of corruption and unemployment in these countries, and obviously these indicators are directly connected, thereby stroking the financial system in these countries. Corruption is an element, which directly and indirectly

  16. QUALITY CONTROL IN LOGISTICS ACTIVITIES THROUGH INTERNET OF THINGS TECHNOLOGY

    OpenAIRE

    ANDREI BAUTU; Elena B AUTU

    2016-01-01

    Modern companies depend on their logistics in order to maintain their purchases-inventory-sales chain to the desired level of performance (i.e. profitability). Many past situations demonstrate that errors, inefficiencies and disruptions in this chain can cause companies to miss opportunities, loose profitability, and even go bankrupt. An important factor to high quality logistics is the quality and availability of information about key processes. Internet of Things (IoT) technology allows com...

  17. Guideline concerning financial aid by the state to '250 MW wind' wind power plants within the framework of the third programme 'Energy research and energy technologies'

    International Nuclear Information System (INIS)

    1994-01-01

    An industrial-scale wind power experiment will receive financial aid for several years. An installed power of 250 MW is to be reached within a 5-year period if possible. The BMFT will grant financial aid on a per kWh basis up to a maximum sum, or - if desired by certain applicants - in the form of an investment aid, both for a maximum period of 10 years from the start-up of the wind power plant. The BMFT will also finance a scientific programme for measurement and evaluation. (orig.) [de

  18. Activity theory as a potential framework for technology research in ...

    African Journals Online (AJOL)

    This article attempts to expand and elaborate Activity Theory as a theory for studying human computer interaction in South Africa. It first sketches ways in which. Russian activity theory arising out of the work of Vygotsky may expand understandings of learning before elaborating the theory in terms of Engestrom's

  19. Tracking Overhead ORTA Costs in Technology Transfer Activities

    National Research Council Canada - National Science Library

    Van

    1997-01-01

    ...) organizations and the activities performed within these organizations. It was hypothesized that the ORTA organizations, which are considered indirect labor by most costing methods, would expend considerable portions of their resources on activities identified as not being performed by direct labor. This hypothesis was proven true, as all but two of the identified steps consumed a significant portion of the ORTA resources.

  20. Technology and Teaching: Promoting Active Learning Using Individual Response Technology in Large Introductory Psychology Classes

    Science.gov (United States)

    Poirier, Christopher R.; Feldman, Robert S.

    2007-01-01

    Individual response technology (IRT), in which students use wireless handsets to communicate real-time responses, permits the recording and display of aggregated student responses during class. In comparison to a traditional class that did not employ IRT, students using IRT performed better on exams and held positive attitudes toward the…

  1. Genesis and Development of Consolidated Financial Statements

    OpenAIRE

    Kostyantyn Bezverkhiy

    2015-01-01

    In the context of economy globalization it is the mission of consolidated financial statements to meet demands of users for financial information about activities of a company group as one company. The article is devoted to study of genesis and development of consolidated financial statements of companies. Historical prerequisites of genesis of consolidated financial statements are shown as well as factors which conduced to their spreading. The approaches are elucidated to preparation of cons...

  2. Morocco; Financial System Stability Assessment: Update

    OpenAIRE

    International Monetary Fund

    2008-01-01

    This paper presents an update to the Financial System Stability Assessment on Morocco. Major reforms have been achieved since the 2002 Financial Sector Assessment Program (FSAP) within a policy of actively promoting economic and financial sector opening. The 2002 FSAP recommendations have been largely implemented. Although the financial system is stable and considerably more robust than in the past, the liberalization of capital flows and increased exchange rate flexibility present challenges...

  3. CURRENT FEATURES OF THE INTERNATIONAL FINANCIAL ORGANIZATIONS

    OpenAIRE

    ЯНІКІН, С.В.; ДВНЗ «КНЕУ імені Вадима Гетьмана», кафедра міжнародних фінансів

    2011-01-01

     This article describes a number of ways, which may facilitate the improvement of activities of international financial institutions at the present level of the global financial system development. Particular attention is paid to the problem of international public goods and their delivery by international financial institutions. Further, an approach of financial dedollarisation of IFIs is discussed as one of highly effective mechanisms. In addition, the article raised and examined in detail ...

  4. Technology station in electronics at the Tshwane University of Technology: strengthening technological innovation activities amongst SMEs and students

    CSIR Research Space (South Africa)

    Jacobs, SJ

    2009-01-01

    Full Text Available that technology and science are closely intertwined (Gibbons et a/., 1994). Thus in this mode of the production of knowledge, innovation is often a process of moving back and forth between invention and/or design, development and testing, redesign... through-hole components and Component identification hardware, surface-mount components, surface-mount IC chip components, Metal Electrode Faces (MELFs), Small Outline Transistors (SOTs) and Discrete Packaging (DPAK). Handling in electronics assembly...

  5. The Regeneration of Granular Activated Carbon Using Hydrothermal Technology

    National Research Council Canada - National Science Library

    Sufnarski, Michael

    1999-01-01

    The economic feasibility of using granular activated carbon (GAC) to remove organic contaminants from industrial and municipal wastewater is contingent upon its reuse during multiple adsorption-regeneration cycles (Van Vliet, 1991...

  6. Technology trends, energy prices affect worldwide rig activity

    International Nuclear Information System (INIS)

    Rappold, K.

    1995-01-01

    The major worldwide offshore rig markets have improved slightly this year, while the onshore markets generally lagged slightly. Offshore rig utilization rates have remained strong worldwide, with some areas reaching nearly 100%. Total worldwide offshore rig (jack ups, semisubmersible, drillships, submersibles, and barges) utilization was about 86%. Offshore drilling activity is driven primarily by oil and natural gas price expectations. Natural gas prices tend to drive North American offshore drilling activity, including the shallow waters in the Gulf of Mexico. International offshore drilling activity and deepwater projects in the Gulf of Mexico are more closely tied to oil prices. The paper discusses US rig count, directional drilling activity, jack up rig demand, semisubmersibles demand, rig replacement costs, and new construction

  7. Weathering the financial storm

    DEFF Research Database (Denmark)

    Ólafsson, Tjörvi; Pétursson, Thórarinn G.

    2011-01-01

    The recent global financial tsunami has had economic consequences that have not been witnessed since the Great Depression. But while some countries suffered a particularly large contraction in economic activity on top of a system-wide banking collapse, others came off relatively lightly. In this ......The recent global financial tsunami has had economic consequences that have not been witnessed since the Great Depression. But while some countries suffered a particularly large contraction in economic activity on top of a system-wide banking collapse, others came off relatively lightly...... pegs outside EMU were hit particularly hard, while inflation targeting seemed to mitigate the crisis. Finally, we find some evidence suggesting a role for international real linkages and institutional credibility. Our key results are robust to various alterations in the empirical setup and we are able...

  8. Spin-off technologies developed through nuclear activities

    International Nuclear Information System (INIS)

    1993-01-01

    Given the changing role of government research establishments and the interest in maximizing return on capital and intellectual investment, determining the best way to apply or ''spin-off'' technologies from the nuclear field into other industrial and commercial sectors is of increasing concern. This study by the OECD Nuclear Energy Agency draws on expertise from numerous countries to determine what the spin-offs are, where they come from, and how they can best be fostered. It looks both at the results and process of spin-offs, and helps decision-makers in government and project leaders and managers in industry to maximize their benefits. (author)

  9. Shaping old age: Innovation partnerships, senior centres and billiards tables as active ageing technologies

    DEFF Research Database (Denmark)

    Lassen, Aske Juul

    2017-01-01

    During the past decade active ageing has been positioned as a solution to the problem of global ageing. While the scientific, economic and even moral arguments for pursuing a more active old age has been many, the integration of active ageing in everyday practices face challenges. This chapter...... explores the ways that active ageing policies become part of everyday practices, by proposing the concept of active ageing technologies. Active ageing technologies are material and immaterial condensations of knowledge that form old age in specific ways. Through the cases of an innovation partnership, two...... activity centres and a billiards table, the author explores how active ageing policies are transformed in practice. The chapter draws on an ethnographic study of active ageing conducted at the two activity centres, as well as the author’s participation in the innovation partnership. The author uses...

  10. USE OF INFORMATION TECHNOLOGIES IN EDUCATIONAL EXTRACURRICULAR ACTIVITIES IN HIGHER TOURIST INSTITUTIONS

    Directory of Open Access Journals (Sweden)

    Yuliia O. Matviyiv-Lozynska

    2013-04-01

    Full Text Available The article deals with extracurricular educational activities in higher educational establishment of tourism profile with information technologies usage. It is known that extracurricular activities of higher educational establishment has an impact on the professional activities of future specialists in the tourism industry, as is in the process of extracurricular activities students can put into practice the obtained knowledge and skills. The task of teachers is to build a learning process, in particular activities outside classrooms as its component, so that the students were interested in it. In the modern world of tourism prosperity it is very difficult to do without the usage of multimedia technologies (internet, media, etc.

  11. PROFITABILITY AND FINANCIAL STABILITY

    OpenAIRE

    CĂRUNTU CONSTANTIN; LĂPĂDUŞI MIHAELA LOREDANA

    2011-01-01

    The business activity allows identifying two categories of flows: flows of results and cash flows. Flows affect the income and expenses, participating in training result, the company's profitability. Financial flows involved in their formation both monetary items (which drive the monetary input or output and thus implies a cash flow), and non-cash items (affecting the result, without leading to a cash flow). Are equally identifiable cash flows that do not involve an ...

  12. Out-of-School Activities Related to Science and Technology

    Directory of Open Access Journals (Sweden)

    Ángel Vázquez Alonso

    2007-05-01

    Full Text Available Artificial and natural environments constitute an extensive educational resource in whose framework the basic experiences that contribute to the development process of human beings occur. These experiences are the source of previous knowledge that students bring to school and that are key for building scientific school learning. This article reports the results of a study that addresses out-of-school experiences related to science and technology, through the application of an inventory list to a sample of students who were in their last year of compulsory education. The results show a relatively low overall frequency of experiences, characterized by some qualitative and quantitative differences according to a few grouping variables such as gender, the choice of an elective science subject, and different scientific topics and disciplines. In spite of its importance for learning, the school curriculum often ignores students’ previous experiences. Finally, we discuss the relevance of these results for developing a more equitable science and technology curriculum, from a perspective of a universal, humanistic science education.

  13. FINANCIAL DEPTH AND FINANCIAL ACCESS IN INDONESIA

    Directory of Open Access Journals (Sweden)

    Sigit Setiawan

    2015-05-01

    Full Text Available This study is intended to analyze the current levels of financial depth and financial access in Indonesia and to analyze the factors affecting them. The analysis method used was a combination of descriptive quantitative, benchmarking, and literature reviews. The conclusion is that the financial depth in Indonesia has not shown a satisfactory level since it was the lowest, or the second lowest ranked country among the sampled countries. Meanwhile, the financial access in Indonesia is relatively better than its financial depth, especially for financial markets, in which Indonesia ranks in the lower average group. From literature reviews, it can be inferred that the main factor driving the poor financial depth in Indonesia is non-competitiveness of the institutions; whereas the driving force of poor financial access in Indonesia are geographical constraints, poverty, a high income gap, and a less than effective national financial development policy.

  14. Beyond the Schoolyard: The Contributions of Parenting Logics, Financial Resources, and Social Institutions to the Social Class Gap in Structured Activity Participation

    Science.gov (United States)

    Bennett, Pamela R.; Lutz, Amy; Jayaram, Lakshmi

    2014-01-01

    We investigate cultural and structural sources of class differences in youth activity participation with interview, survey, and archival data. We find working- and middle-class parents overlap in parenting logics about participation, though differ in one respect: middle-class parents are concerned with customizing children’s involvement in activities, while working-class parents are concerned with achieving safety and social mobility for children through participation. Second, because of financial constraints, working-class families rely on social institutions for participation opportunities, but few are available. Schools act as an equalizing institution by offering low-cost activities, allowing working-class children to resemble middle-class youth in school activities, but they remain disadvantaged in out-of-school activities. School influences are complex, however, as they also contribute to class differences by offering different activities to working- and middle-class youth. Findings raise questions about the extent to which differences in participation reflect class culture rather than the objective realities parents face. PMID:25328250

  15. Beyond the Schoolyard: The Contributions of Parenting Logics, Financial Resources, and Social Institutions to the Social Class Gap in Structured Activity Participation.

    Science.gov (United States)

    Bennett, Pamela R; Lutz, Amy; Jayaram, Lakshmi

    2012-01-01

    We investigate cultural and structural sources of class differences in youth activity participation with interview, survey, and archival data. We find working- and middle-class parents overlap in parenting logics about participation, though differ in one respect: middle-class parents are concerned with customizing children's involvement in activities, while working-class parents are concerned with achieving safety and social mobility for children through participation. Second, because of financial constraints, working-class families rely on social institutions for participation opportunities, but few are available. Schools act as an equalizing institution by offering low-cost activities, allowing working-class children to resemble middle-class youth in school activities, but they remain disadvantaged in out-of-school activities. School influences are complex, however, as they also contribute to class differences by offering different activities to working- and middle-class youth. Findings raise questions about the extent to which differences in participation reflect class culture rather than the objective realities parents face.

  16. Recent progress in accelerator activities at Raja Ramanna Centre for Advanced Technology, Indore

    International Nuclear Information System (INIS)

    Gupta, P.D.

    2013-01-01

    Raja Ramanna Centre for Advanced Technology, Indore is a premier national institute engaged in R and D work in front-line areas of accelerator science, technology, and applications. The Centre has designed, developed, and commissioned two synchrotron radiation sources: Indus-1 and Indus-2, serving as national facilities. The Centre is pursuing various other accelerator activities viz. development of a high energy proton accelerator for a spallation neutron source, electron accelerators for food irradiation and industrial applications and free electron lasers (FEL) in THz and IR spectral region, study of innovative schemes of laser driven electron acceleration, and development of advanced technologies to support these activities such as superconducting RF (SCRF) technology, cryogenics, RF power, magnets, ultra high vacuum and control instrumentation. In this talk, an overview of the progress made in accelerator activities at Raja Ramanna Centre for Advanced Technology in recent years is be presented

  17. FINANCIAL MANAGEMENT OF THE COMPANY THROUGH THE CAPITALIZATION OF FINANCIAL-ACCOUNTING INFORMATION

    OpenAIRE

    Boby COSTI; Marius BOIŢĂ; Cosmina REMEŞ

    2014-01-01

    This article aims to highlight the role of financial-accounting information for the use in the financial management of the company, starting from the most recent writings in the field. Although it is hard to imagine that the financial management uses individualized financial- accounting information, attributed solely to a particular activity within the enterprise, still we tried to address the information according to the main activities that produce and use information, respectively: of inve...

  18. FINANCIAL CRISIS FROM THE MACROECONOMIC LEVEL TO THE MICROECONOMIC LEVEL

    OpenAIRE

    SANDA GHEORGHE GABRIEL; ENEA CONSTANTA

    2014-01-01

    The current economic and financial crisis, beyond the problems it generates both at micro and macro level, should determine an adaptation of the mechanisms, institutions and monetary / financial policies to the real economy we are facing. The issue of financial crises is extremely complex, including a series of quantitative and qualitative factors, financial, economic, social, ethical, technological and human, which can intervene and influence the financial operations in a...

  19. [MEDICAL SOCIAL MODELING TECHNOLOGIES FOR ACTIVE AGING IN KAZAKHSTAN].

    Science.gov (United States)

    Benberin, V V; Akhetov, A A; Tanbaeva, G Z

    2015-01-01

    The article discusses a new model for active ageing in Republic of Kazakhstan with participation the state, population and medical social services. Achieving active longevity will lead to positive trends in the development of human capital of the state, because it enables to use experience and knowledge of senior generation in enhancing the effectiveness of socio-economic transformation in health care. The study was carried out on the base of the Central clinical hospital of the President's affairs administration in Republic of Kazakhstan, with the participation of 147 admitted patients of elderly and senile age.

  20. Cellulose Electro-Active Paper: From Discovery to Technology Applications

    Directory of Open Access Journals (Sweden)

    Zafar eAbas

    2014-09-01

    Full Text Available Cellulose electro-active paper (EAPap is an attractive material of electro-active polymers (EAPs family due to its smart characteristics. EAPap is thin cellulose film coated with metal electrodes on both sides. Its large displacement output, low actuation voltage and low power consumption can be used for biomimetic sensors/actuators and electromechanical system. Because cellulose EAPap is ultra-lightweight, easy to manufacture, inexpensive, biocompatible, and biodegradable, it has been employed for many applications such as bending actuator, vibration sensor, artificial muscle, flexible speaker, and can be advantageous in areas such as micro-insect robots, micro-flying objects, microelectromechanical systems, biosensors, and flexible displays.

  1. Cellulose Electro-Active Paper: From Discovery to Technology Applications

    Science.gov (United States)

    Abas, Zafar; Kim, Heung Soo; Kim, Jaehwan; Kim, Joo-Hyung

    2014-09-01

    Cellulose electro-active paper (EAPap) is an attractive material of electro-active polymers (EAPs) family due to its smart characteristics. EAPap is thin cellulose film coated with metal electrodes on both sides. Its large displacement output, low actuation voltage and low power consumption can be used for biomimetic sensors/actuators and electromechanical system. Because cellulose EAPap is ultra-lightweight, easy to manufacture, inexpensive, biocompatible, and biodegradable, it has been employed for many applications such as bending actuator, vibration sensor, artificial muscle, flexible speaker, and can be advantageous in areas such as micro-insect robots, micro-flying objects, microelectromechanical systems, biosensors, and flexible displays.

  2. FINANCIAL INSTABILITY, FINANCIAL DEVELOPMENT AND POVERTY

    Directory of Open Access Journals (Sweden)

    Ionescu Cristian

    2012-12-01

    Full Text Available There is a positive relationship between financial development and economic growth in short-run and long-run. Financial development is beneficial to the reduction of poverty. But the financial instability which accompanies financial development is is costly for the poor and reduces the positive effect of financial development on the reduction of poverty. The paper aims to analyze in detail the relationship and the (direct and indirect effects between these variables, taking into account their economic and social importance. It is also highlighted the correlation between the financial economy and the real economy, emphasizing the impact on social welfare involved by the interaction of the above mentioned variables.

  3. Hanford Laboratories monthly activities report, November 1964

    Energy Technology Data Exchange (ETDEWEB)

    1964-12-15

    This is the monthly report for the Hanford Laboratories Operation, November 1964. Reactor fuels, chemistry, dosimetry, separation processes, reactor technology, financial activities, biology operation, and physics and instrumentation research.

  4. Hanford Laboratories monthly activities report, March 1963

    Energy Technology Data Exchange (ETDEWEB)

    1963-04-15

    This is the monthly report for the Hanford Laboratories Operation March 1963. Reactor fuels, chemistry, dosimetry, separation processes, reactor technology, financial activities, biology operation, physics and instrumentation research, operations research and synthesis, programming, and radiation protection operation are discussed.

  5. Hanford Laboratories monthly activities report, December 1963

    Energy Technology Data Exchange (ETDEWEB)

    1964-01-15

    The monthly report for the Hanford Laboratories Operation, December 1963. Reactor fuels, chemistry, dosimetry, separation processes, reactor technology, financial activities, biology operation, and physics and instrumentation research, and applied mathematics, and programming operations are discussed.

  6. Hanford Laboratories monthly activities report, October 1963

    Energy Technology Data Exchange (ETDEWEB)

    1963-11-15

    This is the monthly report for the Hanford Laboratories Operation, October 1963. Metallurgy, reactor fuels, chemistry, dosimetry, separation processes, reactor technology, financial activities, visits, biology operation, physics and instrumentation research, and employee relations are discussed.

  7. Hanford Laboratories monthly activities report, January 1964

    Energy Technology Data Exchange (ETDEWEB)

    1964-02-14

    This is the monthly report for the Hanford Laboratories Operation, January 1964. Reactor fuels, chemistry, dosimetry, separation processes, reactor technology, financial activities, biology operation, physics and instrumentation research, applied mathematics, programming operation, and radiation protection are discussed.

  8. Hanford Laboratories monthly activities report, August 1963

    Energy Technology Data Exchange (ETDEWEB)

    1963-09-16

    This is the monthly report for the Hanford Laboratories Operation, August 1963. Metallurgy, reactor fuels, chemistry, dosimetry, separation processes, reactor technology, financial activities, visits, biology operation, physics and instrumentation research, and employee relations are discussed.

  9. Hanford Laboratories monthly activities report, May 1964

    Energy Technology Data Exchange (ETDEWEB)

    1964-06-15

    This is the monthly report for the Hanford Laboratories Operation, May 1964. Reactor fuels, chemistry, dosimetry, separation processes, reactor technology, financial activities, biology operation, physics and instrumentation research, applied mathematics, programming operation, and radiation protection are discussed.

  10. Hanford Laboratories monthly activities report, January 1963

    Energy Technology Data Exchange (ETDEWEB)

    1963-02-15

    This is the monthly report for the Hanford Laboratories Operation January 1963. Reactor fuels, chemistry, dosimetry, separation processes, reactor technology, financial activities, biology operation, physics and instrumentation research, operations research and synthesis, programming, and radiation protection operation are discussed.

  11. Hanford Laboratories monthly activities report, September 1963

    Energy Technology Data Exchange (ETDEWEB)

    1963-10-15

    This is the monthly report for the Hanford Laboratories Operation, September 1963. Metallurgy, reactor fuels, chemistry, dosimetry, separation processes, reactor technology, financial activities, visits, biology operation, physics and instrumentation research, and employee relations are discussed.

  12. Hanford Laboratories monthly activities report, July 1963

    Energy Technology Data Exchange (ETDEWEB)

    1963-08-15

    This is the monthly report for the Hanford Laboratories Operation, July 1963. Metallurgy, reactor fuels, chemistry, dosimetry, separation processes, reactor technology, financial activities, visits, biology operation, physics and instrumentation research, and employee relations are discussed.

  13. Hanford Laboratories monthly activities report, May 1963

    Energy Technology Data Exchange (ETDEWEB)

    1963-06-14

    The monthly report for the Hanford Laboratories Operation, May 1963. Reactor fuels, chemistry, dosimetry, separation processes, reactor technology, financial activities, biology operation, and physics and instrumentation research, and applied mathematics, and programming operation are discussed.

  14. Hanford Laboratories monthly activities report, February 1964

    Energy Technology Data Exchange (ETDEWEB)

    1964-03-16

    This is the monthly report for the Hanford Laboratories Operation, February, 1964. Reactor fuels, chemistry, dosimetry, separation process, reactor technology financial activities, biology operation, physics and instrumentation research, employee relations, applied mathematics, programming, and radiation protection are discussed.

  15. Hanford Laboratories monthly activities report, June 1963

    Energy Technology Data Exchange (ETDEWEB)

    1963-07-15

    This is the monthly report for the Hanford Laboratories Operation, June 1963. Metallurgy, reactor fuels, chemistry, dosimetry, separation processes, reactor technology, financial activities, visits, biology operation, physics and instrumentation research, and employee relations are discussed.

  16. Hanford Laboratories monthly activities report, April 1964

    Energy Technology Data Exchange (ETDEWEB)

    1964-05-15

    This is the monthly report for the Hanford Laboratories Operation, April 1964. Reactor fuels, chemistry, dosimetry, separation processes, reactor technology, financial activities, biology operation, physics and instrumentation research, applied mathematics, programming operation, and radiation protection are discussed.

  17. Hanford Laboratories monthly activities report, July 1964

    Energy Technology Data Exchange (ETDEWEB)

    1964-08-14

    This is the monthly report for the Hanford Laboratories Operation, July 1964. Reactor fuels, chemistry, dosimetry, separation processes, reactor technology, financial activities, biology operation, physics and instrumentation research, applied mathematics, programming operation, and radiation protection are discussed.

  18. Hanford Laboratories monthly activities report, March 1964

    Energy Technology Data Exchange (ETDEWEB)

    1964-04-15

    The monthly report for the Hanford Laboratories Operation, March 1964. Reactor fuels, chemistry, dosimetry, separation processes, reactor technology, financial activities, biology operation, and physics and instrumentation research, and applied mathematics operation, and programming operations are discussed.

  19. Hanford Laboratories monthly activities report, April, 1963

    Energy Technology Data Exchange (ETDEWEB)

    1963-05-15

    This is the monthly report for the Hanford Laboratories Operation, April, 1963. Reactor fuels, chemistry, dosimetry, separation processes, reactor technology financial activities, biology operation, physics and instrumentation research, employee relations, applied mathematics operation, programming, and radiation protection operation discussed.

  20. Hanford Laboratories monthly activities report, August 1964

    Energy Technology Data Exchange (ETDEWEB)

    1964-09-15

    The monthly report for the Hanford Laboratories Operation, August 1964. Reactor fuels, chemistry, dosimetry, separation processes, reactor technology, financial activities, biology operation, and physics and instrumentation research, and applied mathematics, and programming operations are discussed.