Blended Learning vs. Traditional Instruction as a Predictor of Student Achievement in New York City Public Schools

Science.gov (United States)

Murray, Anthony

2017-01-01

This study explored the differences in student achievement on New York State standardized tests between blended learning and traditional instructional methodologies. Specifically, the study compared student achievement in iLearnNYC schools, to their peer schools that deliver instruction in a traditional manner. iLearnNYC is a blended learning…

Applying Banks' Typology of Ethnic Identity Development and Curriculum Goals to Story Content, Classroom Discussion, and the Ecology of Classroom and Community: Phase One. Instructional Resource No. 24.

Science.gov (United States)

Tomlinson, Louise M.

This instructional resource describes ways in which J. A. Banks' typology of the stages of ethnic identity development and related curriculum goals can be applied to literacy instruction. Banks' definitions of the stages of development and the curriculum goals for each stage are provided. Strategies for analyzing materials and developing relevant…

Is shadow banking really banking?

OpenAIRE

Bryan J. Noeth; Rajdeep Sengupta

2011-01-01

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

FinTech in Norway : the effect of FinTech on the traditional Norwegian banking sector

OpenAIRE

Omreng, Stian; Gjendem, Ida

2017-01-01

The purpose of this thesis is to investigate the effect of FinTech on the Norwegian banking industry. We investigate the drivers of FinTech, the current and potential Norwegian FinTech market, and the international competitiveness of the Norwegian FinTech movement. We identify nine segments of FinTech within the traditional banking functions Financing, Asset management, Payments and Authentication, and we find the key drivers behind the rapid growth of the FinTech market as cha...

An Investigation of Learner-Control Variables in Vocabulary Learning Using Traditional Instruction and Two Forms of Computer-Based Instruction.

Science.gov (United States)

Balajthy, Ernest

1988-01-01

Investigates college students' ability to monitor learner-controlled vocabulary instruction when performed in traditional workbook-like tasks and in two different computer-based formats: video game and text game exercises. Suggests that developmental reading students are unable to monitor their own vocabulary development accurately. (MM)

A Comparison of Student Academic Performance with Traditional, Online, And Flipped Instructional Approaches in a C# Programming Course

Directory of Open Access Journals (Sweden)

Jason H. Sharp

2017-08-01

Full Text Available Aim/Purpose: Compared student academic performance on specific course requirements in a C# programming course across three instructional approaches: traditional, online, and flipped. Background: Addressed the following research question: When compared to the online and traditional instructional approaches, does the flipped instructional approach have a greater impact on student academic performance with specific course requirements in a C# programming course? Methodology: Quantitative research design conducted over eight 16-week semesters among a total of 271 participants who were undergraduate students en-rolled in a C# programming course. Data collected were grades earned from specific course requirements and were analyzed with the nonparametric Kruskal Wallis H-Test using IBM SPSS Statistics, Version 23. Contribution: Provides empirical findings related to the impact that different instructional approaches have on student academic performance in a C# programming course. Also describes implications and recommendations for instructors of programming courses regarding instructional approaches that facilitate active learning, student engagement, and self-regulation. Findings: Resulted in four statistically significant findings, indicating that the online and flipped instructional approaches had a greater impact on student academic performance than the traditional approach. Recommendations for Practitioners: Implement instructional approaches such as online, flipped, or blended which foster active learning, student engagement, and self-regulation to increase student academic performance. Recommendation for Researchers: Build upon this study and others similar to it to include factors such as gender, age, ethnicity, and previous academic history. Impact on Society: Acknowledge the growing influence of technology on society as a whole. Higher education coursework and programs are evolving to encompass more digitally-based learning contexts, thus

Effect of X-Word Grammar and Traditional Grammar Instruction on Grammatical Accuracy

Science.gov (United States)

Livingston, Sue; Toce, Andi; Casey, Toce; Montoya, Fernando; Hart, Bonny R.; O'Flaherty, Carmela

2018-01-01

This study first briefly describes an instructional approach to teaching grammar known as X-Word Grammar and then compares its effectiveness in assisting students in achieving grammatical accuracy with traditionally taught grammar. Two groups of L2 pre-college students were taught using curricula and practice procedures in two different grammar…

RELATION BETWEEN ISLAMIC BANK AND CENTRAL BANK

OpenAIRE

PAKSOY, H. Mustafa; ABAROSS, Nour

2015-01-01

This study deals with the nature of Islamic banks and their features, and requirements of these features in terms of control tools and methods appropriate with the particularity of their business and their relation with the traditional central bank. At the same time aims to view the relationship between Islamic bank and central bank. To explain this relation the researcher started to explain what is the central bank, objectives of central bank, and characteristics, what is Islamic bank and ob...

The transition from traditional banking to mobile internet finance: an organizational innovation perspective - a comparative study of Citibank and ICBC

OpenAIRE

Chen, Zhuming; Li, Yushan; Wu, Yawen; Luo, Junjun

2017-01-01

The development of Financial Technology (FinTech) in areas such as mobile Internet, cloud computing, big data, search engines, and blockchain technology have significantly changed the financial industry. FinTech is expected to overturn the traditional banking business model, forcing banks to upgrade and transform. This study adopts a comparative case study method to contrast and analyze the Industrial and Commercial Bank of China (ICBC) and Citibank. It analyzes the strategies, organizations,...

CUSTOMER SATISFACTION WITH INTERNET BANKING IN PUBLIC AND PRIVATE BANK

OpenAIRE

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

2017-01-01

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

PRIVATE BANKING AND WEALTH MANAGEMENT SERVICES OFFERED BY BANKS

OpenAIRE

IMOLA DRIGĂ; DORINA NIŢĂ; IOAN CUCU

2009-01-01

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

Blending Online Components into Traditional Instruction in Pre-Service Teacher Education: The Good, the Bad, and the Ugly

Science.gov (United States)

Lin, Hong

2008-01-01

This study investigated the effectiveness of using online instruction as a supplement to a face-to-face introductory technology education course. Survey data were collected from 46 pre-service teachers. Findings indicated that when traditional face-to-face instruction was combined with online components, learning was enhanced over a single…

Testing the Efficacy of MyPsychlab to Replace Traditional Instruction in a Hybrid Course

Science.gov (United States)

Powers, Kasey L.; Brooks, Patricia J.; Galazyn, Magdalena; Donnelly, Seamus

2016-01-01

Online course-packs are marketed as improving grades in introductory-level coursework, yet it is unknown whether these course-packs can effectively replace, as opposed to supplement, in-class instruction. This study compared learning outcomes for Introductory Psychology students in hybrid and traditional sections, with hybrid sections replacing…

Banking in Africa

NARCIS (Netherlands)

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

2014-01-01

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

What is shadow banking?

NARCIS (Netherlands)

Claessens, S.; Ratnovski, L.

2014-01-01

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

Usable Security and E-Banking

DEFF Research Database (Denmark)

Hertzum, Morten; Juul, Niels Christian; Jørgensen, Niels Henrik

2004-01-01

Electronic banking must be secure and easy to use. An evaluation of six Danish web-based electronic banking systems indicates that the systems have serious weaknesses with respect to ease of use. Analysis of the weaknesses suggests that security requirements are among their causes...... that transcend preconceived instructions. We discuss the pros and cons of automation and understanding as alternative approaches to the design of web-based e-banking systems....

Usable security and e-banking

DEFF Research Database (Denmark)

Hertzum, Morten; Jørgensen, Niels; Nørgaard, Mie

2004-01-01

Electronic banking must be secure and easy to use. An evaluation of six Danish web-based electronic banking systems indicates that the systems have serious weaknesses with respect to ease of use. Our analysis of the weaknesses suggests that security requirements are among their causes...... that transcend preconceived instructions. We discuss the pros and cons of automation and understanding as alternative approaches to the design of web-based e-banking systems....

Evaluation of cognitive loads imposed by traditional paper-based and innovative computer-based instructional strategies.

Science.gov (United States)

Khalil, Mohammed K; Mansour, Mahmoud M; Wilhite, Dewey R

2010-01-01

Strategies of presenting instructional information affect the type of cognitive load imposed on the learner's working memory. Effective instruction reduces extraneous (ineffective) cognitive load and promotes germane (effective) cognitive load. Eighty first-year students from two veterinary schools completed a two-section questionnaire that evaluated their perspectives on the educational value of a computer-based instructional program. They compared the difference between cognitive loads imposed by paper-based and computer-based instructional strategies used to teach the anatomy of the canine skeleton. Section I included 17 closed-ended items, rated on a five-point Likert scale, that assessed the use of graphics, content, and the learning process. Section II included a nine-point mental effort rating scale to measure the level of difficulty of instruction; students were asked to indicate the amount of mental effort invested in the learning task using both paper-based and computer-based presentation formats. The closed-ended data were expressed as means and standard deviations. A paired t test with an alpha level of 0.05 was used to determine the overall mean difference between the two presentation formats. Students positively evaluated their experience with the computer-based instructional program with a mean score of 4.69 (SD=0.53) for use of graphics, 4.70 (SD=0.56) for instructional content, and 4.45 (SD=0.67) for the learning process. The mean difference of mental effort (1.50) between the two presentation formats was significant, t=8.26, p≤.0001, df=76, for two-tailed distribution. Consistent with cognitive load theory, innovative computer-based instructional strategies decrease extraneous cognitive load compared with traditional paper-based instructional strategies.

Long- and short-term retention of traditional instruction vs. previously tested tactual vs. innovative tactual resources on the achievement and attitudes of second-grade students in science

Science.gov (United States)

Mitchell, Sherese A.

This researcher investigated the long- and short-term retention of information using traditional instruction versus previously tested tactual resources versus innovative tactual resources on the achievement and attitudes of second-grade students in science. The processing of new and difficult knowledge has challenged many young children who tend to be kinesthetic or tactual learners. In compliance with the National Science Education Standards, students should be actively engaged in their own learning. Therefore, to boost student achievement in science, the use of tactual materials was implemented. The sample included 67 second-grade students drawn from three heterogeneously grouped classes in a low socio-economic neighborhood. It consisted of 30 females and 37 males of which 97 percent were African American, 2 percent were Hispanic, and 1 percent Other. Students were unaware of their diagnosed learning-style preference(s) during the instruction and assessment phases of the study. Therefore, students' knowledge of their learning-style preferences could not have had any impact on their achievement or attitudes. A counterbalanced research design was employed. During the first session, Group 1 was taught with previously tested tactual resources (Electroboards, Flip Chutes, Fact Wheels, and Fact Fans), and Group 3 was taught traditionally. During the second session of instruction, Group 1 received instruction with innovative tactual resources, Group 2 received traditional instruction, Group 3 received instruction with previously tested tactual resources. During the final session of instruction, Group 1 received traditional instruction, Group 2 received instruction with previously tested tactual resources, and Group 3 received instruction with innovative tactual resources. The results indicated that the use of tactual materials, regardless of whether they were previously tested or innovative, produced higher achievement gains and more positive attitudes than traditional

12 CFR 621.12 - Applicability and general instructions.

Science.gov (United States)

2010-01-01

... require. The reports shall be prepared on the accrual basis of accounting and shall fairly represent the... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Applicability and general instructions. 621.12 Section 621.12 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ACCOUNTING AND REPORTING...

Banking Services, Business Education: 7713.15.

Science.gov (United States)

Griffee, Alice

This course in banking intends to give students an insight into the personal and business services that banks provide. It includes instruction on savings and checking accounts, loans, trusts, and safety deposit facilities. Also included are the performance objectives, five pages of an outline on course content, suggested teaching and learning…

Motivational Measure of the Instruction Compared: Instruction Based on the ARCS Motivation Theory vs Traditional Instruction in Blended Courses

Science.gov (United States)

Colakoglu, Ozgur M.; Akdemir, Omur

2012-01-01

The ARCS Motivation Theory was proposed to guide instructional designers and teachers who develop their own instruction to integrate motivational design strategies into the instruction. There is a lack of literature supporting the idea that instruction for blended courses if designed based on the ARCS Motivation Theory provides different…

Flipped Classroom versus Traditional Textbook Instruction: Assessing Accuracy and Mental Effort at Different Levels of Mathematical Complexity

Science.gov (United States)

Mattis, Kristina V.

2015-01-01

Flipped classrooms are an instructional technology trend mostly incorporated in higher education settings, with growing prominence in high school and middle school (Tucker in Leveraging the power of technology to create student-centered classrooms. Corwin, Thousand Oaks, 2012). Flipped classrooms are meant to effectively combine traditional and…

30 CFR 48.28 - Annual refresher training of miners; minimum courses of instruction; hours of instruction.

Science.gov (United States)

2010-07-01

... in accident prevention in the work environment. (8) Health. The course shall include instruction on... night work. The course shall include, where applicable, a review and instruction on the highwall and... hazards, pits, and spoil banks; the illumination of work areas; and safe work procedures during hours of...

Benefits of Case-Based versus Traditional Lecture-Based Instruction in a Preclinical Removable Prosthodontics Course.

Science.gov (United States)

Samuelson, David B; Divaris, Kimon; De Kok, Ingeborg J

2017-04-01

This study compared the acceptability and relative effectiveness of case-based learning (CBL) versus traditional lecture-based (LB) instruction in a preclinical removable prosthodontics course in the University of North Carolina at Chapel Hill School of Dentistry DDS curriculum. The entire second-year class (N=82) comprised this crossover study's sample. Assessments of baseline comprehension and confidence in removable partial denture (RPD) treatment planning were conducted at the beginning of the course. Near the end of the course, half of the class received CBL and LB instruction in an RPD module in alternating sequence, with students serving as their own control group. Assessments of perceived RPD treatment planning efficacy, comprehension, and instruction method preference were administered directly after students completed the RPD module and six months later. Analyses of variance accounting for period, carryover, and sequence effects were used to determine the relative effects of each approach using a peffects, CBL was also associated with higher gains in RPD treatment planning comprehension (p=0.04) and perceived efficacy (p=0.01) compared to LB instruction. These gains diminished six months after the course-a finding based on a 49% follow-up response rate. Overall, the students overwhelmingly preferred CBL to LB instruction, and the findings suggest small albeit measurable educational benefits associated with CBL. This study's findings support the introduction and further testing of CBL in the preclinical dental curriculum, in anticipation of possible future benefits evident during clinical training.

A STUDY OF BANK CUSTOMERS’ PERCEIVED USEFULNESS OF ADOPTING ONLINE BANKING

OpenAIRE

Hsueh-Ying Wu; Chun-Chun Lin; Cheng-Lung Li; Hsing-Hui Lin

2010-01-01

As information technology rapidly changes the fabrics of industries in recent years, the trade of online banking has become more diversified. Specializing in unlimited, speedy and convenient services, online banking has transformed traditional banking in many countries. The managements’ ability to anticipate and respond to such changes in the financial marketplace, thus, has a decisive influence on the success or failure of many retail banks. The present study, exploratory in nature, was in...

ELECTRONIC BANKING SERVICES IN ECONOMY BASED ON KNOWLEDGE

Directory of Open Access Journals (Sweden)

Răbonţu Cecilia Irina

2009-05-01

Full Text Available The term "electronic banking" or "ebanking" covers both computer and telephone banking. Using computer banking, a charity’s computer either dials directly into its bank's computer or gains access to the bank’s computer over the internet. Using telephone banking, the charity controls its bank accounts by giving the bank instructions over the telephone. Both computer and telephone banking involve the use of passwords which give access to the charity’s accounts. Technological innovation and competition among existing banking organizations have allowed a wider array of banking products and services to become accessible and delivered through the Internet. The rapid development of e-banking capabilities carries risks as well as benefits. The bankers are to recognize, address and manage banking institutions in a prudent manner according to the fundamental characteristics and challenges of e-banking services

Growth of Non-bank Trade Finance

OpenAIRE

Satinder Bhatia

2017-01-01

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

BANKING BUSINESS MODELS IN UKRAINIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

Yuliya Onyshchenko

2015-11-01

Full Text Available The purpose of the paper is to work out and characterize bank business models that are formed in Ukraine. Methodology. Our research we will spend among banks that are functioning on the Ukrainian financial market and are not on the stage of liquidation, so the sample under study in our work is comprised of 131 banks which are different in their ownership structure and size. The core of the methodology is a statistical clustering algorithm that allows identifying the groups of banks (clusters with similar business models as banks with similar business model strategies have made similar choices regarding the composition of their assets and liabilities. The cluster analyses were taken on the base of seven chosen indicators: bank loans, bank liabilities, enterprise loans, enterprise liabilities, household loans, household liabilities and trading assets. Results. The traditional business model of bank is worked out. The bank business models that are functioning in Ukraine are identified on the base of cluster analyses using balance sheet characteristics of 131 Ukrainian banks. We find that in Ukraine were formed three types of bank business models: “Focused retail”, “Diversified retail” and “Corporative retail”. The description of each model is given. Practical implications. More detailed research of distinguished models allows not only to find out the main advantages and disadvantages of each bank model, but also the main problems that follow the development of Ukrainian banking sector. Identifying of bank models and their studying simplifies searching and elaboration of regulatory instruments as there is a two-way causation between regulation and bank business models. This implies a symbiotic relationship between regulation and bank business models: business models respond to regulation which in turn responds to the evolution of new business models. Value/originality. Such survey is conducted at the first time among Ukrainian banks. The

RUSSIAN BANK ACTIVITY STRATEGIC MANAGEMENT PROBLEMS

Directory of Open Access Journals (Sweden)

V. B. Pogosyan

2011-01-01

Full Text Available Main strategic management problems characteristic for the majority of Russian bank are: absence of systems making it possible to adapt bank activity elements to changing outer and inner business conditions; obsolete client service system; traditional liquidity and risk managementmechanisms; absence of systems of coordinating bank strategic management process participants’ interests with the banks aims. Ways of overcoming basic difficulties in bank activity strategic management are defined.

The effectiveness of computer-managed instruction versus traditional classroom lecture on achievement outcomes.

Science.gov (United States)

Schmidt, S M; Arndt, M J; Gaston, S; Miller, B J

1991-01-01

This controlled experimental study examines the effect of two teaching methods on achievement outcomes from a 15-week, 2 credit hour semester course taught at two midwestern universities. Students were randomly assigned to either computer-managed instruction in which faculty function as tutors or the traditional classroom course of study. In addition, the effects of age, grade point average, attitudes toward computers, and satisfaction with the course on teaching method were analyzed using analysis of covariance. Younger students achieved better scores than did older students. Regardless of teaching method, however, neither method appeared to be better than the other for teaching course content. Students did not prefer one method over the other as indicated by their satisfaction scores. With demands upon university faculty to conduct research and publish, alternative methods of teaching that free faculty from the classroom should be considered. This study suggests that educators can select such an alternative teaching method to traditional classroom teaching without sacrificing quality education for certain courses.

Comparisons of the Educational Outcomes from Distance Delivered versus Traditional Classroom Instruction in Principles of Microeconomics

OpenAIRE

Crouse, Tricia Lynn

2002-01-01

Recent advancements in the speed and availability of the Internet have catapulted distance education into the forefront of possible economic education alternatives. Distance learning courses are taught exclusively over the Internet. Economics distance courses provide alternatives for economics students to traditional classroom instruction, and also invite new students to the discipline who may not have otherwise enrolled. An increase in the number of distance courses in the economics field ha...

Corporate governance : What’s special about banks?

NARCIS (Netherlands)

Laeven, L.

2013-01-01

This review surveys the literature on the corporate governance of banks. Traditional corporate governance mechanisms, such as concentrated ownership and takeover threats, in principle, also apply to banks. However, banks have special traits and are heavily regulated, preventing natural forms of

Conceptual understanding of electrical circuits in secondary vocational engineering education: combining traditional instruction with inquiry learning in a virtual lab

NARCIS (Netherlands)

Kolloffel, Bas Jan; de Jong, Anthonius J.M.

2013-01-01

Background: Traditionally, engineering curricula about electrical circuits use textbook instruction and hands-on lessons, which are effective approaches for teaching terms and definitions, the procedural use of formulas, and how to build circuits. Nonetheless, students often lack conceptual

Effects of traditional teaching vs a multisensory instructional package on the science achievement and attitudes of English language learners middle-school students and English-speaking middle-school students

Science.gov (United States)

Crosley, Haver

This research was designed to determine the relative effectiveness of a Multi-sensory Instructional Package (MIP) (Dunn & Dunn, 1992) versus Traditional Teaching (TT) on the science achievement- and attitude-test scores of middle-school English Language Learner (ELL) and English-speaking sixth-, seventh-, and eighth-grade middle-school students. The dependent variables were students' science- and attitude-test scores. The independent variables were the two instructional strategies, ELL and English-speaking (Non-ELL) status, and three grade levels. The sample consisted of 282 sixth-, seventh-, and eighth-grade ELL and Non-ELL middle-school students. Learning Styles: The Clue to You! (LS: CY) (Burke & Dunn, 1998) was administered to determine learning-style preferences. The control groups were taught sixth-, seventh-, and eighth-grade science lessons traditionally and the experimental groups were instructed on the same units using MIPs. The Semantic Differential Scale (SDS) (Pizzo, 1981) was administered to reveal attitudinal differences. All three groups experienced both traditional and multi-sensory instruction in all three sub-units. The data subjected to statistical analyses supported the use of an MIP rather than a traditional approach for teaching science content to both ELLs and English-speaking middle-school students. Analysis of variance (ANOVA) revealed a positive and significant impact on achievement scores. Furthermore, the students indicated significantly more positive attitudes when instructed with an MIP approach.

A Behavioural Model of E-Banking Usage in Italy

Directory of Open Access Journals (Sweden)

Guendalina Capece

2013-06-01

Full Text Available E‐banking is defined as the automated delivery of new and traditional banking products and services directly to customers through electronic, interactive communication channels. “Pure online” banks are characterized by the absence of physical windows and front‐office personnel. Traditional banks are still integrating traditional distribution channels with online ones; the scenario is therefore still evolving over time. Despite the intrinsic potentialities, Italy is far from being a leader in the usage of innovative online instruments in the banking system and will struggle with new innovation waves. In this paper, we measure the potential effective ebanking usage. Furthermore, we investigate the behaviour of users and adopters, identifying the major causes influencing satisfaction and usage and the impact of these different causes on the intensity of utilization. The analysis is based on a panel of 495 real users, thus allowing the profiling of the Italian adopter to discover the causes of usage and outline strategies for the growth of e‐banking services in Italy.

Usable Security and E-Banking: ease of use vis-a-vis security

Directory of Open Access Journals (Sweden)

Morten Hertzum

2004-05-01

Full Text Available Electronic banking must be secure and easy to use. An evaluation of six Danish web-based electronic banking systems indicates that the systems have serious weaknesses with respect to ease of use. Our analysis of the weaknesses suggests that security requirements are among their causes and that the weaknesses may in turn cause decreased security. We view the conflict between ease of use and security in the context of usable security, a concept that is intended to match security principles and demands against user knowledge and motivation. Automation, instruction, and understanding can be identified as different approaches to usable security. Instruction is the main approach of the systems evaluated; automation relieves the user from involvement in security, as far as possible; and understanding goes beyond step-by-step instructions, to enable users to act competently and safely in situations that transcend preconceived instructions. We discuss the pros and cons of automation and understanding as alternative approaches to the design of web-based e-banking systems.

A Randomized Controlled Trial of Simulation-Based Teaching versus Traditional Instruction in Medicine: A Pilot Study among Clinical Medical Students

Science.gov (United States)

Gordon, James A.; Shaffer, David W.; Raemer, Daniel B.; Pawlowski, John; Hurford, William E.; Cooper, Jeffrey B.

2006-01-01

Objective: To compare simulator-based teaching with traditional instruction among clinical medical students. Methods: Randomized controlled trial with written pre-post testing. Third-year medical students (n = 38) received either a myocardial infarction (MI) simulation followed by a reactive airways disease (RAD) lecture, or a RAD simulation…

Motivational elements in user instructions

NARCIS (Netherlands)

Loorbach, N.R.

2013-01-01

Concerning the design of user instructions, two view can be distinguished. The traditional view considers instructions as purely instrumental documents. The more and more emerging affective view still assumes that above all, instructions should enable readers to perform tasks. But in order to

ONLINE BANKING SECURITY INDUSTRY IN EMERGING CHINA MARKET

OpenAIRE

Liu, Rui

2009-01-01

In China, although traditional banks are still taking a wait-and-see approach in terms of offering their customers authentication tokens, online security technology is gaining momentum among Internet banks. During the last 15 years, technology for online banking security has undergone remarkable progress. The number of online banking users and the volume of transactions are increasing daily. Moreover, Chinese customers are paying more attention to online banking security issues, and are gradu...

12 CFR 7.1002 - National bank acting as finder.

Science.gov (United States)

2010-01-01

..., instructing and assisting individuals in the completion of documents, scheduling sales calls on behalf of... fee. Unless otherwise prohibited by Federal law, a national bank may advertise the availability of...

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

Directory of Open Access Journals (Sweden)

Buddi Wibowo

2017-02-01

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

Cash efficiency for bank branches.

Science.gov (United States)

Cabello, Julia García

2013-01-01

Bank liquidity management has become a major issue during the financial crisis as liquidity shortages have intensified and have put pressure on banks to diversity and improve their liquidity sources. While a significant strand of the literature concentrates on wholesale liquidity generation and on the alternative to deposit funding, the management of an inventory of cash holdings within the banks' branches is also a relevant issue as any significant improvement in cash management at the bank distribution channels may have a positive effect in reducing liquidity tensions. In this paper, we propose a simple programme of cash efficiency for the banks' branches, very easy to implement, which conform to a set of instructions to be imposed from the bank to their branches. This model proves to significantly reduce cash holdings at branches thereby providing efficiency improvements in liquidity management. The methodology we propose is based on the definition of some stochastic processes combined with renewal processes, which capture the random elements of the cash flow, before applying suitable optimization programmes to all the costs involved in cash movements. The classical issue of the Transaction Demand for the Cash and some aspects of Inventory Theory are also present. Mathematics Subject Classification (2000) C02, C60, E50.

What Bulgarian Banks offer via Internet: an Overview

OpenAIRE

Bojidar Bojinov

2003-01-01

The new information technologies adoption and e-commerce emergence change the role of financial intermediaries in new E-conomy. During the last years, the bank started an expansion to the web – they offer broad range of traditional bank products and services via Internet. The remote banking become one of the main channels for bank services distribution. The Internet expansion of the Bulgarian banks is at its beginning. The showed results are based on the Internet research, which has aimed to ...

Video-Based Learning vs Traditional Lecture for Instructing Emergency Medicine Residents in Disaster Medicine Principles of Mass Triage, Decontamination, and Personal Protective Equipment.

Science.gov (United States)

Curtis, Henry A; Trang, Karen; Chason, Kevin W; Biddinger, Paul D

2018-02-01

Introduction Great demands have been placed on disaster medicine educators. There is a need to develop innovative methods to educate Emergency Physicians in the ever-expanding body of disaster medicine knowledge. The authors sought to demonstrate that video-based learning (VBL) could be a promising alternative to traditional learning methods for teaching disaster medicine core competencies. Hypothesis/Problem The objective was to compare VBL to traditional lecture (TL) for instructing Emergency Medicine residents in the American College of Emergency Physicians (ACEP; Irving, Texas USA) disaster medicine core competencies of patient triage and decontamination. A randomized, controlled pilot study compared two methods of instruction for mass triage, decontamination, and personal protective equipment (PPE). Emergency Medicine resident learning was measured with a knowledge quiz, a Likert scale measuring comfort, and a practical exercise. An independent samples t-test compared the scoring of the VBL with the TL group. Twenty-six residents were randomized to VBL (n=13) or TL (n=13). Knowledge score improvement following video (14.9%) versus lecture (14.1%) did not differ significantly between the groups (P=.74). Comfort score improvement also did not differ (P=.64) between video (18.3%) and lecture groups (15.8%). In the practical skills assessment, the VBL group outperformed the TL group overall (70.4% vs 55.5%; Plearning vs traditional lecture for instructing emergency medicine residents in disaster medicine principles of mass triage, decontamination, and personal protective equipment. Prehosp Disaster Med. 2018;33(1):7-12.

Effectiveness of teaching automated external defibrillators use using a traditional classroom instruction versus self-instruction video in non-critical care nurses

Directory of Open Access Journals (Sweden)

Ismail M. Saiboon

2016-04-01

Full Text Available Objectives: To evaluate the effectiveness and retention of learning automated external defibrillator (AED usage taught through a traditional classroom instruction (TCI method versus a novel self instructed video (SIV technique in non-critical care nurses (NCCN. Methods: A prospective single-blind randomized study was conducted over 7 months (April-October 2014 at the Universiti Kebangsaan Malaysia Medical Center, Kuala Lampur, Malaysia. Eighty nurses were randomized into either TCI or SIV instructional techniques. We assessed knowledge, skill and confidence level at baseline, immediate and 6-months post-intervention. Knowledge and confidence were assessed via questionnaire; skill was assessed by a calibrated and blinded independent assessor using an objective structured clinical examination (OSCE method. Results: Pre-test mean scores for knowledge in the TCI group was 10.87 ± 2.34, and for the SIV group was 10.37 ± 1.85 (maximum achievable score 20.00; 4.05 ± 2.87 in the TCI and 3.71 ± 2.66 in the SIV (maximum score 11.00 in the OSCE evaluation and 9.54 ± 3.65 in the TCI and 8.56 ± 3.47 in the SIV (maximum score 25.00 in the individual’s personal confidence level. Both methods increased the mean scores significantly during immediate post-intervention (0-month. At 6-months, the TCI group scored lower than the SIV group in all aspects 11.13 ± 2.70 versus 12.95 ± 2.26 (p=0.03 in knowledge, 7.27 ± 1.62 versus 7.68 ± 1.73 (p=0.47 in the OSCE, and 16.40 ± 2.72 versus 18.82 ± 3.40 (p=0.03 in confidence level. Conclusion: In NCCN’s, SIV is as good as TCI in providing the knowledge, competency, and confidence in performing AED defibrillation.

The Measurement of Instructional Accomplishments.

Science.gov (United States)

Fraley, Lawrence E.; Vargas, Ernest A.

Instructional System Technology in recent years has been characterized by an increase in individualized instruction and the modularization of the curriculum. In traditional systems the learners are forced to take blocks of instruction the size of entire courses and these are much too large. The courses can now be broken down into conceptual…

12 CFR Appendix B to Part 203 - Form and Instructions for Data Collection on Ethnicity, Race, and Sex

Science.gov (United States)

2010-01-01

... Ethnicity, Race, and Sex B Appendix B to Part 203 Banks and Banking FEDERAL RESERVE SYSTEM BOARD OF... to Part 203—Form and Instructions for Data Collection on Ethnicity, Race, and Sex I. Instructions on Collection of Data on Ethnicity, Race, and Sex You may list questions regarding the ethnicity, race, and sex...

Bank Units. Assessment and Development Tendencies

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Adam Szafarczyk

2008-01-01

Full Text Available There are new trends in development banking sector especially concerning branches. The e-banking has diminished impact the old fashion branches as main tool finance activity. Now we have units (departments localised at supermarkets and in other strange places. Due to some researches mortgages and insurance polices ought to be sold in traditional branches according to clients preferences. Lafferty Agency researched quality of banking service condition in the UK. Base on this methodology similar case studies were done in Poland.

ELECTRONIC BANKING ADVANTAGES FOR FINANCIAL SERVICES DELIVERY

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Paun Dragos

2010-12-01

Full Text Available E-banking is a fully automatic service for traditionally banking customers products based on information technology platforms. E-banking services provide customer access to accounts, the ability to move their money between different accounts or making payments via e-channels. The advantages generated by this services have determined an accelerate developing of this industry over the entire world. This paper examines some of the advantages of electronic banking products together with the characteristic management issues generated by the implementation of this new channel for financial services delivery.

Basel III Liquidity Risk Measures and Bank Failure

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L. N. P. Hlatshwayo

2013-01-01

Full Text Available Basel III banking regulation emphasizes the use of liquidity coverage and nett stable funding ratios as measures of liquidity risk. In this paper, we approximate these measures by using global liquidity data for 391 hand-selected, LIBOR-based, Basel II compliant banks in 36 countries for the period 2002 to 2012. In particular, we compare the risk sensitivity of the aforementioned Basel III liquidity risk measures to those of traditional measures such as the nonperforming assets ratio, return-on-assets, LIBOR-OISS, Basel II Tier 1 capital ratio, government securities ratio, and brokered deposits ratio. Furthermore, we use a discrete-time hazard model to study bank failure. In this regard, we find that Basel III risk measures have limited ability to predict bank failure when compared with their traditional counterparts. An important result is that a higher liquidity coverage ratio is associated with a higher bank failure rate. We also find that market-wide liquidity risk (proxied by LIBOR-OISS was the major predictor of bank failures in 2009 and 2010 while idiosyncratic liquidity risk (proxied by other liquidity risk measures was less. In particular, our contribution is the first to achieve these results on a global scale over a relatively long period for a variety of banks.

Comparison of basic life support (BLS video self-instructional system and traditional BLS training in first year nursing students

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R Nikandish

2009-03-01

Full Text Available Background: For several years, educators have criticized the lecture-based  approach  to teaching and learning. Experts have rightly stressed on acquisition  of a number of critical  skills rather than focusing on lectures. Purpose. To compare students'  pe1jormance after self-education  with VCD and manikin,  with thei performance after standard BLS training.Methods: In this randomized controlled study, twenty first-year nursing students were divided into two groups randomly, and were provided with basic life support (BLS instruction either in the traditional format of lecturing or with VCD and manikin without tutor. The students’ Performance was evaluated on a manikin with a checklist including all steps in BLS.Results: With traditional  instruction,  students'  mean score was 42.2±3.91, while it was 46.3±3.86 with self-education,  showing no significant  difference.Conclusion: In nursing students with no previous BLS training, access to VCD and manikin facilitates immediate achievement of educational objectives similar to those  of a standard  BLS course.  Self­ learning BLS with VCD should be enhanced with a short period of hands-on practice.Keywords: cardiopulmonary resuscitation (CPR, nursing students, cpr skills, education

E-BANKING SERVICES – FEATURES, CHALLENGES AND BENEFITS

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IMOLA DRIGĂ

2014-10-01

Full Text Available Today traditional banking services, based on lending and deposittaking operations, are only part of banking activities. Due to the emergence of a knowledgebased economy and society as information and communication technology advanced, banking services have undergone profound changes during the past decades. In order to improve the quality of customer service delivery and reduce transaction cost, banks have invested to a great extent in ICT and have adopted ICT networks for delivering a wide range of banking products and services. Banks all over the world have embraced innovative banking technologies and e-banking services in recent years. In this context, the paper aims to provide an overview of the electronic banking service highlighting various aspects of e-banking. Although e-banking offers many advantages both to corporate and individual clients, electronic banking is not without certain challenges and issues in terms of security and interest of customers.

Comparative Prospects of the New Development Bank and Asian Infrastructure Investment Bank

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Andrei Shelepov

2016-11-01

Full Text Available In this article the author focuses on the recently established New Development Bank (NDB and Asian Infrastructure Investment Bank (AIIB. It identifies two factors of demand for this new model of multilateral development banks (MDBs, namely a lack of infrastructure financing and the aspirations of developing countries for a greater role in the global financial system. The author also compares the NDB and AIIB according to membership, management structure, distribution of capital and votes, and options for attracting capital in the financial market. Based on this comparison, he forecasts the banks’ credit portfolios growth until 2025. The author concludes that both institutions should accumulate and use the best practices of existing MDBs, improve their image to attract investors and actively engage in sharing expertise and co-financing projects with development institutions as well as commercial banks. By doing so, the volume of their operations could reach $40 billion per year in 10 years, which is close to the volume of infrastructure financing provided by major traditional banks, and could contribute substantially to addressing the financing needs of developing countries.

Traditional microscopy instruction versus process-oriented virtual microscopy instruction: a naturalistic experiment with control group.

Science.gov (United States)

Helle, Laura; Nivala, Markus; Kronqvist, Pauliina; Gegenfurtner, Andreas; Björk, Pasi; Säljö, Roger

2011-03-30

Virtual microscopy is being introduced in medical education as an approach for learning how to interpret information in microscopic specimens. It is, however, far from evident how to incorporate its use into existing teaching practice. The aim of the study was to explore the consequences of introducing virtual microscopy tasks into an undergraduate pathology course in an attempt to render the instruction more process-oriented. The research questions were: 1) How is virtual microscopy perceived by students? 2) Does work on virtual microscopy tasks contribute to improvement in performance in microscopic pathology in comparison with attending assistant-led demonstrations only? During a one-week period, an experimental group completed three sets of virtual microscopy homework assignments in addition to attending demonstrations. A control group attended the demonstrations only. Performance in microscopic pathology was measured by a pre-test and a post-test. Student perceptions of regular instruction and virtual microscopy were collected one month later by administering the Inventory of Intrinsic Motivation and open-ended questions. The students voiced an appreciation for virtual microscopy for the purposes of the course and for self-study. As for learning gains, the results indicated that learning was speeded up in a subgroup of students consisting of conscientious high achievers. The enriched instruction model may be suited as such for elective courses following the basic course. However, the instructional model needs further development to be suited for basic courses.

Ethnopharmacological survey of medicinal plants practiced by traditional healers and herbalists for treatment of some urological diseases in the West Bank/Palestine.

Science.gov (United States)

Jaradat, Nidal Amin; Zaid, Abdel Naser; Al-Ramahi, Rowa; Alqub, Malik A; Hussein, Fatima; Hamdan, Zakaria; Mustafa, Mahmoud; Qneibi, Mohammad; Ali, Iyad

2017-05-08

Throughout history, every civilization in the world used plants or their derivatives for treatment or prevention of diseases. In Palestine as in many other countries, herbal medicines are broadly used in the treatment of wide range of diseases including urological diseases. The main objective of this research is to study the use of herbal remedies by herbalists and traditional healers for treatment of various urological diseases in the West Bank regions of Palestine and to assess their efficacy and safety through the literature review of the most cited plants. The study included a survey part, plant identification and a review study. The first part was a cross-sectional descriptive study. Face to face questionnaires were distributed to 150 traditional healers and herbalist in all regions of the West Bank of Palestine. The literature review part was to assess the most cited plants for their efficacy and toxicity. One hundred forty four herbalists and traditional healers accepted to participate in this study which was conducted between March and April, 2016. The results showed that 57 plant species belonging to 30 families were used by herbalists and traditional healers for treatment of various urinary tract diseases in Palestine. Of these, Apiaceae family was the most prevalent. Paronychia argentea, Plantago ovata, Punica granatum, Taraxacum syriacum, Morus alba and Foeniculum vulgare were the most commonly used plant species in the treatment of kidney stones, while Capsella bursa-pastoris, Ammi visnaga and Ammi majus were the most recommended species for treatment of urinary tract infections and Portulaca oleracea used for renal failure. In addition Curcuma longa and Crocus sativus were used for enuresis while Juglans regia, Quercus infectoria, Sambucus ebulus and Zea mays were used for treatment symptoms of benign prostate hyperplasia. Fruits were the most common parts used, and a decoction was the most commonly used method of preparation. Through literature

Disruption in Banking in Emerging Market Economy: An Empirical Study of India

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Reena Agrawal

2017-12-01

Full Text Available The present study was taken up to capture the ongoing disruptions in banking in the Indian economy. The objective of this research was to: (1 study the initiatives taken by Reserve Bank of India to stimulate the payment market, (2 explore the disruptions in the Indian payment space, (3 examine the digitization at banks in India and (4 identify the challenges faced by traditional Indian banks and (5 propose measures to cope with threats posed by non-bank players. The study found that as technology companies and other non-bank players have successfully penetrated into large customer segments by offering basic banking services, to the customers at their doorsteps and at their convenience; it is obligatory for the traditional banks to expand market outreach and enrich service quality via digital podia, strategic alliances and disruptive innovations, in case they wish to avoid the risk of being relegated to back-office utilities.

Comparing Two Modes of Instruction in English Passive Structures (Processing and Meaning-Based Output Instruction

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Asma Dabiri

2018-04-01

Full Text Available This research compared the effects of two types of instruction: Processing Instruction (PI and Meaning-based Output Instruction (MOI on the interpretation and production of English passive structures.  Ninety EFL intermediate tertiary level female students (PI group= 30, MOI group= 30 and control group = 30 participated in this study. The instruments were a proficiency test, a test to assess English passive structures and two instructional materials (PI and MOI. The data were analyzed by running one-way analysis of variance (ANOVA and mixed between-within ANOVA. The study indicated the effectiveness of PI and MOI on English passive structures. PI had considerable enhancement on interpretation tasks all the time. It supported the use of PI rather than the use of traditional instructions in which mechanical components were emphasized. Also, the PI and MOI had long term effects on the interpretation and production of English passive sentences.  This study supported the use of PI and MOI rather than the use of traditional instruction (TI in EFL settings. The implication for particularly classroom teaching is that successful grammar instruction has to related to ultimate learning outcomes. Also, creating communicative tasks to offer opportunities for teaching grammar can lead to long-lasting learning effects.

CUSTOMER EXPERIENCE AND RETAIL BANKING TRENDS

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PAUL OVIDIU HANDRO

2017-11-01

Full Text Available The concept of customer experience refers to the impact of all the interactions that the customer may have with a bank, taking into account the multitude of touchpoints by which he activates. Customer experience includes every element related to the promises made through branding, advertising, offers, products and services, but the most important is how they are delivered: easiness in using the services or products, promptness and efficiency in dealing with customers before and after purchase. [1] - [11] In the context of an environment influenced to a great extent by the evolution of technologies, but also by the accelerated dynamics regarding legislation (Payment Directive II, Directive 2014/92/EU and competition, a traditional commercial bank must be extremely careful and competent to build and plan the present and future experiences offered to customers. Given the complexity of the structure of a traditional bank, an essential point in the performance strategy must be the improvement of the Customer experienced experience in dealing with the bank. The positive experience becomes defining both for customer loyality and to attract new customers. The segregation of responsibilities and at the same time harmonization of flows between the various structures of traditional banks (front-office- FO; middle-office-MO; back-office-BO becomes the main challenge of the moment in order to provide the customer with the much desired positive experience. Affected at the global and European level by the dynamics of legislative changes, as well as by the business models that rely on the outsourcing of some positions, the back-office and middle office do not enjoy the same rhythm of evolution and support found in the front office, resulting in incoherent customer experiences and, at the same time, preventing the industry's capacity to attract, retain and delight the customers. In order to improve the level of customer experience, the banks must focus more on

An Oversampled Filter Bank Multicarrier System for cognitive Radio

NARCIS (Netherlands)

Kokkeler, Andre B.J.; Smit, Gerardus Johannes Maria; Zhang, Q; Zhang, Q.

2008-01-01

Due to small sideband power leakage, filter bank multicarrier techniques are considered as interesting alternatives to traditional OFDMs for spectrum pooling Cognitive Radio. In this paper, we propose an oversampled filter bank multicarrier system for Cognitive Radio. The increased spacing between

Electronics. Criterion-Referenced Test (CRT) Item Bank.

Science.gov (United States)

Davis, Diane, Ed.

This document contains 519 criterion-referenced multiple choice and true or false test items for a course in electronics. The test item bank is designed to work with both the Vocational Instructional Management System (VIMS) and the Vocational Administrative Management System (VAMS) in Missouri. The items are grouped into 15 units covering the…

What Bulgarian Banks offer via Internet: an Overview (v2)

OpenAIRE

Bojidar Bojinov

2003-01-01

The new information technologies adoption and e-commerce emergence change the role of financial intermediaries in new E-conomy. During the last years, the bank started an expansion to the web – they offer broad range of traditional bank products and services via Internet. The remote banking become one of the main channels for bank services distribution. The Internet expansion of the Bulgarian banks is at its beginning. The showed results are based on the Internet research, which has aimed to ...

CORPORATE SOCIAL RESPONSIBILITY IN JAPANESE BANKING SECTOR

OpenAIRE

Murawski, Tomasz

2017-01-01

The concept of CSR is developed in the theory of economics and management from the 50s of the last century. In practice, the banking industry uses it for many years. The evolution of the banking sector caused the emergence of new services and products that are integrated with the philosophy of CSR. In Japan, each of the bank you can see the relationship between business, society and the environment. This activity follows the tradition and adopted a philosophy that is both fostered and develop...

Securities and banking: bridges and walls

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Tommaso Padoa-Schioppa

2002-09-01

Full Text Available The paper examines the relationship between banking and securities activities in the light of financial market developments (securitisation, institutionalization of investment, emergence of complex financial instruments, conglomeration and consolidation, with particular reference to Europe. The enhanced links between banking and securitiesbusinesses have generated increased and new risks to financial institutions. However, banks' stability remains crucial for the stability of the financial system as a whole, because of their unique role as provider of liquidity. The paper also addresses the implications of the banking-securities combination for regulatory and supervisory arrangements. The exporting of prudential requirements traditional in banking (such as capital ratios into the securities field, and the importing of securities regulation (such as transparency requirements into the banking sector, can be deemed mutually beneficial. As regards supervision, there is a need to monitor the continued effectiveness of the current framework. This entails strengthening co-operation both at the national level and on a cross-border basis among sectoral supervisors in the micro-prudential field, and between them and central banks in the macro-prudential field.

"Some Things in My House Have a Pulse and a Downbeat": The Role of Folk and Traditional Arts Instruction in Supporting Student Learning

Science.gov (United States)

Palmer Wolf, Dennie; Holochwost, Steven J.; Bar-Zemer, Tal; Dargan, Amanda; Selhorst, Anika

2014-01-01

The authors investigated the association between participation in Nations in Neighborhoods (NiN), a program of folk and traditional arts instruction, and achievement in English language arts in a sample of low-income elementary school students, many of whom were recent immigrants and English language learners. The program drew on the core…

Developing Islamic Banking Performance Measures Based on Maqasid Al-Shari’ah Framework: Cases of 24 Selected Banks

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Mustafa Omar Mohammed

2015-08-01

Full Text Available Islamic banking has achieved remarkable growth that has surpassed the growth of the conventional banking system. Yet, studies show that the performances of Islamic banks (IBs seem to be trailing behind the conventional banks (CBs. Is the poor performance of IBs the result of mismatch between their objectives and their performance measurement criteria or it is a reflection of their true performances? The objectives of Islamic banking had not been formally addressed. Mustafa and Taib (2009 derived the objectives of Islamic banking from Abu Zahara’s theory of the objectives of Shari’ah (Maqasid al-Shari’ah and, based on these Shari’ah objectives, developed a model of Islamic banking performance measures. They named it as Performance Measures based on Maqasid al-Shari’ah framework or the PMMS model. This paper has tested the PMMS model on a sample 24 banks (12 IBs and 12 CBs. The twenty four banks were also evaluated using the traditional conventional financial measures. Mann-Whitney U-Test results show IBs faring well in their performances when measured using the PMMS model than when they are measured using the conventional banking performance yardstick. Policy prescriptions and recommendations for further studies are provided at the concluding section of the paper.

Data Analysis Trumps Specialist Advice: How Direct Banks Function

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Skiera Bernd

2016-11-01

Full Text Available Low interest rates and sluggish economic growth are not exactly ideal conditions for the financial services industry. Almost daily we are confronted with reports of inadequate capital bases, declining earnings, and layoffs at banks. But while many traditional retail banks are struggling with a business downturn, the direct bank market is enjoying steady and respectable growth despite a challenging environment. Dr. Schmidberger, Fully Authorized Representative at ING-DiBa Germany, offers us a glimpse behind the curtains of this direct bank. We will learn how data technology is used so that bank customers are (more satisfied.

Building trust in e-banking and its effect on positive word-of-mouth advertising

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Ali Shaemi

2014-05-01

Full Text Available Nowadays, new technologies have changed the way of serving customers in many service organizations including banking industry. The importance of websites and their exclusive characteristics in presenting various kinds of services to the bank customers has increased. This paper presents a compound model to investigate the effect of traditional and online elements on customers' trust in electronic banking and word of mouth advertisement. For this purpose, a standard questionnaire based on Likert segmentation has been used and 384 customers of Shiraz Mellat bank branches have been tested, randomly. Using structural equation modeling, the study shows that both traditional characteristics of bank and website characteristics rather have positive effects on customers’ trust in electronic banking, which increase word of mouth advertising, positively.

Science-Technology-Society literacy in college non-majors biology: Comparing problem/case studies based learning and traditional expository methods of instruction

Science.gov (United States)

Peters, John S.

This study used a multiple response model (MRM) on selected items from the Views on Science-Technology-Society (VOSTS) survey to examine science-technology-society (STS) literacy among college non-science majors' taught using Problem/Case Studies Based Learning (PBL/CSBL) and traditional expository methods of instruction. An initial pilot investigation of 15 VOSTS items produced a valid and reliable scoring model which can be used to quantitatively assess student literacy on a variety of STS topics deemed important for informed civic engagement in science related social and environmental issues. The new scoring model allows for the use of parametric inferential statistics to test hypotheses about factors influencing STS literacy. The follow-up cross-institutional study comparing teaching methods employed Hierarchical Linear Modeling (HLM) to model the efficiency and equitability of instructional methods on STS literacy. A cluster analysis was also used to compare pre and post course patterns of student views on the set of positions expressed within VOSTS items. HLM analysis revealed significantly higher instructional efficiency in the PBL/CSBL study group for 4 of the 35 STS attitude indices (characterization of media vs. school science; tentativeness of scientific models; cultural influences on scientific research), and more equitable effects of traditional instruction on one attitude index (interdependence of science and technology). Cluster analysis revealed generally stable patterns of pre to post course views across study groups, but also revealed possible teaching method effects on the relationship between the views expressed within VOSTS items with respect to (1) interdependency of science and technology; (2) anti-technology; (3) socioscientific decision-making; (4) scientific/technological solutions to environmental problems; (5) usefulness of school vs. media characterizations of science; (6) social constructivist vs. objectivist views of theories; (7

Computer-Assisted Instruction: A Case Study of Two Charter Schools

Science.gov (United States)

Keengwe, Jared; Hussein, Farhan

2013-01-01

The purpose of this study was to examine the relationship in achievement gap between English language learners (ELLs) utilizing computer-assisted instruction (CAI) in the classroom, and ELLs relying solely on traditional classroom instruction. The study findings showed that students using CAI to supplement traditional lectures performed better…

How bank business models drive interest margins : Evidence from U.S. bank-level data

NARCIS (Netherlands)

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

2014-01-01

The two decades prior to the credit crisis witnessed a strategic shift from a traditional, relationships-oriented model (ROM) to a transactions-oriented model (TOM) of financial intermediation in developed countries. A concurrent trend has been a persistent decline in average bank interest margins.

Resource Letter ALIP-1: Active-Learning Instruction in Physics

Science.gov (United States)

Meltzer, David E.; Thornton, Ronald K.

2012-06-01

This Resource Letter provides a guide to the literature on research-based active-learning instruction in physics. These are instructional methods that are based on, assessed by, and validated through research on the teaching and learning of physics. They involve students in their own learning more deeply and more intensely than does traditional instruction, particularly during class time. The instructional methods and supporting body of research reviewed here offer potential for significantly improved learning in comparison to traditional lecture-based methods of college and university physics instruction. We begin with an introduction to the history of active learning in physics in the United States, and then discuss some methods for and outcomes of assessing pedagogical effectiveness. We enumerate and describe common characteristics of successful active-learning instructional strategies in physics. We then discuss a range of methods for introducing active-learning instruction in physics and provide references to those methods for which there is published documentation of student learning gains.

Enhancing the use of internet banking in an emerging market

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Jacques Nel

2014-11-01

Full Text Available Electronic banking services such as internet banking offer bank clients substantial benefits over traditional banking channels. Although internet banking has been around for many years, increasing the use of the service by bank clients remains a priority for many managers of internet banking services. To address this managerial concern, the study investigates the factors that contribute to the enhanced use of internet banking by bank clients. Based on a literature review, internet-banking factors that could influence bank clients’ actual use of internet banking were identified. Data were collected from 1 156 users of internet banking. The results of the study showed that two factors influence internet banking usage, namely internet banking facilitating conditions and internet banking risk beliefs. The more favourable internet banking facilitating conditions are perceived to be, the more likely bank clients are to increase their use of internet banking. On the other hand, the greater the perceived risks associated with internet banking, the less the chances are that clients will do their banking through the internet. On the basis of these results, recommendations are provided to enhance the use of internet banking.

International and Russian practice of banking risk-management. Mortgage risks

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A. V. Nikolaeva

2016-01-01

Full Text Available The goal of the work is to compare Russian norms and standards of risk management of mortgage lending with international standards of risk management based on the documents of the Basel Committee. The article also aims to analyze new banking tools of risk management of mortgage lending, that arise in connection with the application of international norms and standards of risk management.Materials and Methods: The main documents considered in the article are the agreements on capital, issued by the Basel Committee on Banking Supervision: Basel-I (1988, Basel-II (2004 and Basel-III (2010, as well as instructions and standing orders issued by the Central Bank of Russia, including: Instruction № 139-I "Ob obiazatel'nykh normativakh bankov", instruction № 1 "O poriadke regulirovaniia deiatel'nosti kommercheskikh bankov", the standing order number 215-P "O metodike opredeleniia sobstvennykh sredstv (kapitala kreditnykh organizatsii", the standing order № 395-P "O metodike opredeleniia velichiny sobstvennykh sredstv (kapitala kreditnykh organizatsii («BAZEL III»" and others. On the basis of these documents the work examines and summarizes the main methods of risk management of mortgage lending, such as: comparison and analysis of risk management techniques, study of the basic documents regulating risk management in banks and generalization of risk management methods in the segment of mortgage lending.Results: The article analyzes the legal and methodological basis of risk management and provides practical methods that can be used in practice for managerial decisions in a constantly changing external economic environment. It also analyses international and native risk management. Russian standards of risk-management are compared with international. The work conducts a critical review of the effects of introduction of international standards in Russia. Special attention is paid to the practice of mortgage risk

LIMITS AND VULNERABILITIES OF BANKING PROFITABILITY INDICATORS DURING THE FINANCIAL CRISIS

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TEODORA CRISTINA BARBU

2012-05-01

Full Text Available Bank performance measurement, as an expression of banks’ ability to generate sustainable profits, is a topic of major interest, located in the core of all categories of participants involved in the banking business: banking supervisory authorities, rating agencies, shareholders, investors and analysts of banking activity. Recent developments in bank profitability during the global financial crisis have highlighted a number of limitations of traditional banking performance measurement indicators, in respect of their capacity to provide relevant, credible and genuine information related to credit institutions’ activity. In this article we intend to argue, by investigations at conceptual and quantitative level, the extent to which traditional indicators of bank profitability provide a comprehensive and real insight into the credit institutions’ financial performance. The empirical study applies the stress test methodology, through which is assessed the extent to which Romanian banking system‘s performance, represented by ROE, changes in the context of defining adverse, but plausible scenarios. Hence, it had been simulated ROE’s degree of response for three types of scenarios. We have applied both univariate stress tests (sensitivity analysis in order to isolate the potential impact of each risk factor on bank profitability, and multivariate stress tests, which allow the simultaneous application of multiple shocks on risk factors. The results show the most important risk factors that adversely affect banking system’s profitability and the concrete value by which profitability is expected to decrease for each scenario analyzed.

IT Security Management Implementation Model in Iranian Bank Industry

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Mona Vanaki

2017-06-01

Full Text Available According to the complexity and differences between Iranian banks and other developed countries the appropriate actions to implement effective security management of information technology have not been taken. The aim of this study was to create a powerful model by selecting the appropriate security controls to protect information assets in the bank. In this model, at first the principle set fort in ISO standard 27001, was extracted and then by further studies derived from best practices carried out in the world on the related subject from 2008 to 2016 using a qualitative descriptive method, points comply with information security management in the banking industry were added to it. With the study of Iranian banks in dealing with IT security management system and with help of action research tools, provisions which prevent the actual implementation of this standard was removed and finally a conceptual model with operating instructions and considering all the principles of information security management standard, as well as banking institutions focusing on the characteristics of Iran was proposed.

A Production Approach to Performance of Banks with Microfinance Operations

OpenAIRE

Emilyn Cabanda; Eleanor C. Domingo

2014-01-01

Banking institutions, nowadays, serve as intermediaries of funds to a variety of clients, including the micro enterprisers. This study analyzes and measures the performance of rural and thrift banks with microfinance operations in the Philippines, using combined measures of data envelopment analysis and traditional financial performance indicators. Data envelopment analysis (DEA) method is employed to measure the productive efficiency of these banks under the production approach. The variable...

12 CFR Appendix A to Part 225 - Capital Adequacy Guidelines for Bank Holding Companies: Risk-Based Measure

Science.gov (United States)

2010-01-01

... adjusted for capital purposes in accordance with the instructions to the Consolidated Financial Statements... guidelines apply on a consolidated basis to any bank holding company with consolidated assets of $500 million or more. The risk-based guidelines also apply on a consolidated basis to any bank holding company...

Regulation of Communication Policy of Modern Banks

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Ketova Natalia, P.

2016-03-01

Full Text Available The paper shows the need for effective communication commercial banks, revealed the possibility of interaction with customers through advertising, sponsorship, philanthropy, sales promotion, lobbying of interests of banking institutions. The principles for the regulation of communications to ensure consistency of communication complex, which cause a complex effect on the external environment, the creation of adaptive system of marketing communications. It is proved that the possibilities of implementing an active communication policy of modern banks in recent years is constantly increasing. This contributes to the extension of Internet technologies, the creation of remote service channels, the emergence of new tools and technologies to attract and retain customers. On the example of JSC "Sberbank of Russia" presented the technology of using the traditional tools of ATL and BTL communications, the formation of the system CSR – corporate social responsibility, building contact with customers, enhancing their loyalty to the Bank. Reveals the areas of regulation of the savings Bank of its activities on the creation of the daily value of services based on the principles of involvement and co-operation of the system "Client - Bank", "Bank - Company", "Bank – Employees".

Instructional Technology in the Armed Forces.

Science.gov (United States)

Hitchens, Howard B., Jr.

Broad areas of communications media used in technical training in specific occupational skills within the armed forces are examined in the first part of this report. These areas include: traditional audiovisual media, television, the techniques of programed instruction and instructional systems development, and the use of computers. In the second…

Enhancing Quality in Educational Practice and Instructional Delivery ...

African Journals Online (AJOL)

FIRST LADY

instructions to students in technical and vocational education (TVE) programs. ... in Nigeria perceive their traditional methods of instruction as obsolete with ..... Even so, skills necessary to adapt to the modern technology should be taught.

Speech at the Meeting Commemorating the 50th Anniversary of Chairman MAO Ze-dong's Important Instruction on Western Medicine Doctors Learning Traditional Chinese Medicine

Institute of Scientific and Technical Information of China (English)

CHEN Zhu

2009-01-01

@@ Respected leaders, distinguished guests, venerable seniors and comrades, Today, the Meeting Commemorating the 50th Anniversary of Chairman MAO Ze-dong's Important Instructions on Western Medicine Doctors Learning Traditional Chinese Medicine was inaugurated by the Chinese Association of Integrative Medicine, and it is also an important occasion to review the past and look forward to the future.

Market Discipline and Bank Risk Taking: Evidence from the East Asian Banking Sector

Directory of Open Access Journals (Sweden)

Fazelina Sahul Hamid

2017-03-01

Full Text Available The third pillar of the Basel II highlights the role of market discipline in easing the existing pressure on traditional monitoring measures like capital requirement and government supervision. This study test the effectiveness of market discipline in inducing prudential risk management practices among the East Asian banks over the 1995 to 2005 period. Market discipline is measured using information disclosure and interbank deposit holdings. We find that only the latter is an effective market discipline tool. However, the former becomes effective when market concentration is higher. We find that government owned, foreign owned and recapilatised banks are subject to market disciplining when disclosure in taken account but the opposite is true when interbank deposits is taken into account. Finally, we find that banks that disclose more risk related information hold more capital against their non-performing loan. The implications of the findings are discussed.

E-banking: Online Transactions and Security Measures

OpenAIRE

Hameed Ullah Khan

2014-01-01

This study presents the technology involved in the more important payment systems currently available to internet users. As the field is undergoing a major upheaval by changing the traditional banking services, e-commerce is facilitating change in recent years. These programs in-returns have shown lucrative growth in internet businesses and capital generation. Transactions on an international scale are the mark of highly demanding businesses with a global consumer base. Banks around the world...

Instructions for preparation of data entry sheets for Licensee Event Report (LER) file. Revision 1. Instruction manual

International Nuclear Information System (INIS)

1977-07-01

The manual provides instructions for the preparation of data entry sheets for the licensee event report (LER) file. It is a revision to an interim manual published in October 1974 in 00E-SS-001. The LER file is a computer-based data bank of information using the data entry sheets as input. These data entry sheets contain pertinent information in regard to those occurrences required to be reported to the NRC. The computer-based data bank provides a centralized source of data that may be used for qualitative assessment of the nature and extent of off-normal events in the nuclear industry and as an index of source information to which users may refer for more detail

Determinants of user acceptance of internet banking: An empirical study

Directory of Open Access Journals (Sweden)

Hessam Zandhessami

2014-07-01

Full Text Available The boom of Internet usage and the significant funding dynamism in electronic banking have attracted the attention of researchers towards Internet banking. In the past, the traditional focus of Internet banking research has been on technological development, but it is now switching to user-focused research. This paper presents an empirical investigation to determine determinants of user acceptance of internet banking. The proposed study uses Decision-Making Trial and Evaluation Laboratory (DEMATEL technique to measure the relationships between different factors in a case study of Iranian firm. The results indicate that trust is the most important factor for development of internet banking.

The importance of business intelligence in the bank strategic marketing

Directory of Open Access Journals (Sweden)

Đorđević Bojan

2006-01-01

Full Text Available Marketing philosophy today is inevitable for many financial institutions which are dealing with big competition in the market. Banking institutions while transforming from traditional to modern banks, must put in a first place acceptance of marketing principals, i.e. they must focus on consumers (users of bank's products & services. Implementing new technologies in business, banking market competitors are facing many innovations in products/services and processes, and a wide range of offers in banking and non-banking financial organizations. That invokes the need for modern technological solutions in gathering and processing a lot of market information and individual tracking of every client's activities (one-to-one. In those circumstances, there's great necessity to implement business intelligence system in banks, that can significantly help in finding and realization of adequate marketing strategies in banking business.

Auto-Tutorial Instruction in Entomology: Principles of Entomology (Orders).

Science.gov (United States)

Minnick, D. R.; Steele, K. L.

Auto-tutorial instruction was compared to traditional lecture instruction in a university entomology course. In seven consecutive terms, undergraduate students enrolled in an introductory entomology course were divided into two groups: Group I received only lecture instruction on insect orders, while Group II was dismissed for three consecutive…

Training in Japan: The Use of Instructional Systems Design.

Science.gov (United States)

Taguchi, Mina; Keller, John M.

This study investigated the kinds of training conducted in Japanese companies and the degree to which instructional systems design (ISD) is implemented. A random sample of 12 Japanese companies in the banking, automobile manufacturing, electrical machinery, wholesale stores, insurance and securities, and transportation industries were surveyed; a…

Interteaching: An Evidence-Based Approach to Instruction

Science.gov (United States)

Brown, Thomas Wade; Killingsworth, Kenneth; Alavosius, Mark P.

2014-01-01

This paper describes "interteaching" as an evidence-based method of instruction. Instructors often rely on more traditional approaches, such as lectures, as means to deliver instruction. Despite high usage, these methods are ineffective at achieving desirable academic outcomes. We discuss an innovative approach to delivering instruction…

Effective Multicultural Instruction

Directory of Open Access Journals (Sweden)

Franklin T. Thompson

2014-02-01

Full Text Available The reason why the Trayvon Martin murder trial and similar court cases create a philosophical rift in our nation is due in part to flaws in the delivery of multicultural education. Traditional multicultural instruction does not prepare citizens for the subtleties and complexities of race relations. This study investigates critical strategies and practices that address multicultural missing gaps. I also seek to fill a void in the literature created by a lack of student input regarding teaching strategies that encourage lifelong learning. Students (N = 337 enrolled at a Midwestern university were asked to rate the efficacy of selected instructional strategies. Utilizing a 9-point Likert-type scale, students gave themselves a personal growth rating of 7.15 (SD = 1.47. Variables important to predicting that growth (R2 = .56, p < .0005 were a six-factor variable known as a non-color-blind instructional approach (t = 10.509, p ≤ .0005, allowing students an opportunity to form their own opinions apart from the instructor (t = 4.797, p ≤ .0005, and a state law that mandated multicultural training (t = 3.234, p = .001. Results demonstrated that utilizing a 35% traditional and 65% critical pedagogy mixture when teaching multicultural education helped promote win/win scenarios for education candidates hoping to become difference makers.

BrainNet Europe's Code of Conduct for brain banking.

Science.gov (United States)

Klioueva, Natasja M; Rademaker, Marleen C; Dexter, David T; Al-Sarraj, Safa; Seilhean, Danielle; Streichenberger, Nathalie; Schmitz, Peer; Bell, Jeanne E; Ironside, James W; Arzberger, Thomas; Huitinga, Inge

2015-07-01

Research utilizing human tissue and its removal at post-mortem has given rise to many controversies in the media and posed many dilemmas in the fields of law and ethics. The law often lacks clear instructions and unambiguous guidelines. The absence of a harmonized international legislation with regard to post-mortem medical procedures and donation of tissue and organs contributes to the complexity of the issue. Therefore, within the BrainNet Europe (BNE) consortium, a consortium of 19 European brain banks, we drafted an ethical Code of Conduct for brain banking that covers basic legal rules and bioethical principles involved in brain banking. Sources include laws, regulations and guidelines (Declarations, Conventions, Recommendations, Guidelines and Directives) issued by international key organizations, such as the Council of Europe, European Commission, World Medical Association and World Health Organization. The Code of Conduct addresses fundamental topics as the rights of the persons donating their tissue, the obligations of the brain bank with regard to respect and observance of such rights, informed consent, confidentiality, protection of personal data, collections of human biological material and their management, and transparency and accountability within the organization of a brain bank. The Code of Conduct for brain banking is being adopted by the BNE network prior to being enshrined in official legislation for brain banking in Europe and beyond.

Effects of different forms of physiology instruction on the development of students' conceptions of and approaches to science learning.

Science.gov (United States)

Lin, Yi-Hui; Liang, Jyh-Chong; Tsai, Chin-Chung

2012-03-01

The purpose of this study was to investigate students' conceptions of and approaches to learning science in two different forms: internet-assisted instruction and traditional (face-to-face only) instruction. The participants who took part in the study were 79 college students enrolled in a physiology class in north Taiwan. In all, 46 of the participants were from one class and 33 were from another class. Using a quasi-experimental research approach, the class of 46 students was assigned to be the "internet-assisted instruction group," whereas the class of 33 students was assigned to be the "traditional instruction group." The treatment consisted of a series of online inquiry activities. To explore the effects of different forms of instruction on students' conceptions of and approaches to learning science, two questionnaires were administered before and after the instruction: the Conceptions of Learning Science Questionnaire and the Approaches to Learning Science Questionnaire. Analysis of covariance results revealed that the students in the internet-assisted instruction group showed less agreement than the traditional instruction group in the less advanced conceptions of learning science (such as learning as memorizing and testing). In addition, the internet-assisted instruction group displayed significantly more agreement than the traditional instruction group in more sophisticated conceptions (such as learning as seeing in a new way). Moreover, the internet-assisted instruction group expressed more orientation toward the approaches of deep motive and deep strategy than the traditional instruction group. However, the students in the internet-assisted instruction group also showed more surface motive than the traditional instruction group did.

The Politics of Central Bank Independence

NARCIS (Netherlands)

de Haan, J.; Eijffinger, Sylvester

2016-01-01

This paper reviews recent research on the political economy of monetary policy-making, both by economists and political scientists. The traditional argument for central bank independence (CBI) is based on the desire to counter inflationary biases. However, studies in political science on the

Storytelling as an Instructional Method: Research Perspectives (Modeling and Simulations for Learning and Instruction)

Science.gov (United States)

2010-01-01

told. In fact, storytelling does not stop in the classroom or in a formal training setting. Much of the culture and tradition of the military is passed...2010 2. REPORT TYPE Book 3. DATES COVERED 08-11-2006 to 31-12-2009 4. TITLE AND SUBTITLE Storytelling as an Instructional Method Research...better instructional storytelling because military instructors have historically relied heavily on that technique. One of the workshops major goals was

Identifying web usage behavior of bank customers

Science.gov (United States)

Araya, Sandro; Silva, Mariano; Weber, Richard

2002-03-01

The bank Banco Credito e Inversiones (BCI) started its virtual bank in 1996 and its registered customers perform currently more than 10,000 Internet transactions daily, which typically cause les than 10% of traditional transaction costs. Since most of the customers are still not registered for online banking, one of the goals of the virtual bank is to increase then umber of registered customers. Objective of the presented work was to identify customers who are likely to perform online banking but still do not use this medium for their transactions. This objective has been reached by determining profiles of registered customers who perform many transactions online. Based on these profiles the bank's Data Warehouse is explored for twins of these heavy users that are still not registered for online banking. We applied clustering in order to group the registered customers into five classes. One of these classes contained almost 30% of all registered customers and could clearly be identified as class of heavy users. Next a neural network assigned online customers to the previously found five classes. Applying the network trained on online customers to all the bank customers identified twins of heavy users that, however had not performed online transactions so far. A mailing to these candidates informing about the advantages of online banking doubled the number of registrations compared to previous campaigns.

How to Use the Marine Realms Information Bank (MRIB) Digital Libraries

Science.gov (United States)

Lightsom, Frances L.; Allwardt, Alan O.

2009-01-01

Marine Realms Information Bank (MRIB) digital libraries provide access to free online scientific resources about oceans, coasts, and coastal watersheds. MRIB allows category, geographic, and keyword searching, alone or in combination. Instructions for searching the three MRIB libraries and for refining the searches are explained in detail.

Traditional Arabic Palestinian ethnoveterinary practices in animal health care: A field survey in the West Bank (Palestine).

Science.gov (United States)

Ali-Shtayeh, Mohammed S; Jamous, Rana M; Jamous, Rania M

2016-04-22

In Palestine, medicinal plants have continued to play a vital role in fulfilling animal healthcare needs of rural communities. However, these valuable resources are being depleted mainly due to over-harvesting, inappropriate agricultural practices (e.g., over use of herbicides), agricultural expansion, and over-grazing. Therefore, immediate action is required to conserve these resources and document the associated knowledge. The purpose of this study was, thus, to document and analyze information associated with medicinal plants that are used in managing animal health problems in the West Bank, Palestine. Ethnobotanical data were collected from Apr 2012 to Feb 2014 mainly using semi-structured interviews with informants sampled using purposive sampling technique and through field observations. The study revealed the use of 138 medicinal plant species in the West Bank for the treatment of several livestock diseases, of these 75 species representing 70 genera and 33 families were reported by 3 independent informants or above. Classification of the ethnoveterinary plant species cited by three informants or above used in a rank-order priority (ROP) based on their claimed relative healing potential has demonstrated that the following are the plants with the highest efficacy: Camellia sinenses, Teucrium capitatum, and Salvia fruticosa with ROPs of 97.1, 93.2, and 91.4, respectively, are used primarily to relieve gastric disorders. Gastrointestinal disorders is the disease group in the study area that scored the highest Informant consensus factor (ICF) value (0.90), followed by urinary, and reproductive disorders (0.89). Our study provided evidence that medicinal plants are still playing important role in the management of livestock diseases, and showed that ethnoveterinary plants used in animal health care in Palestine have been also recorded in human Traditional Arabic Palestinian Herbal Medicine (TAPHM), and demonstrated a strong link between human and veterinary

Banking Integration in European Context

Directory of Open Access Journals (Sweden)

Roxana Bădîrcea

2016-05-01

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

Modeling the Relationships among Reading Instruction, Motivation, Engagement, and Achievement for Adolescents

Science.gov (United States)

Guthrie, John T.; Klauda, Susan Lutz; Ho, Amy N.

2013-01-01

This study modeled the interrelationships of reading instruction, motivation, engagement, and achievement in two contexts, employing data from 1,159 seventh graders. In the traditional reading/language arts (R/LA) context, all students participated in traditional R/LA instruction. In the intervention R/LA context, 854 students from the full sample…

Banking Crisis Early Warning Model based on a Bayesian Model Averaging Approach

Directory of Open Access Journals (Sweden)

Taha Zaghdoudi

2016-08-01

Full Text Available The succession of banking crises in which most have resulted in huge economic and financial losses, prompted several authors to study their determinants. These authors constructed early warning models to prevent their occurring. It is in this same vein as our study takes its inspiration. In particular, we have developed a warning model of banking crises based on a Bayesian approach. The results of this approach have allowed us to identify the involvement of the decline in bank profitability, deterioration of the competitiveness of the traditional intermediation, banking concentration and higher real interest rates in triggering bank crisis.

Internet-based instruction in college teaching

Science.gov (United States)

Flickinger, Kathleen Anne

Distance education and Internet instruction are increasingly being used in college science teaching. In an effort to reach more students, Iowa State University's Human Anatomy and Physiology course was offered via Internet as well as via traditional lecture format. To assess the educational ramifications of this offering, three studies were conducted. In the first study, a collective case study approach was utilized to describe the learning environment created by an Internet-based college science course. In this study, three students were followed as they worked their way through the course. Collective case study methodologies were used to provide a rich description of the learning environment experienced by these students. Motivation, computer savvy, and academic and personal self-confidence appeared to impact the satisfaction level of the students enrolled in the class. To evaluate the effectiveness of the learning environment offered through the Internet-based science course, a quantitative comparison study was undertaken. In this study a comparison of achievement scores and study habits between students enrolled in the Internet-based class and those enrolled in the traditional section was made. Results from this study indicated that content understanding and retention did not appear to be effected by the type of instruction. Desirable study habits were reportedly used more frequently in the Internet section of the class than in the traditional class. To complete the description of the Internet course experience, a qualitative examination of Internet instructors' time commitment and level of teaching satisfaction was conducted. Data for this study consisted of interviews and researcher observations. Instructor time-on-task was initially quite high, and remained above the average spent on average face-to-face instruction in subsequent semesters. Additionally the role of the faculty member changed dramatically, causing some lessening of job satisfaction. Taken as

Use of Research-Based Instructional Strategies in Core Chemical Engineering Courses

Science.gov (United States)

Prince, Michael; Borrego, Maura; Henderson, Charles; Cutler, Stephanie; Froyd, Jeff

2013-01-01

Traditional lecturing remains the most prevalent mode of instruction despite overwhelming research showing the increased effectiveness of many alternate instructional strategies. This study examines chemical engineering instructors' awareness and use of 12 such instructional strategies. The study also examines how chemical engineering…

Instructional Technologies in the Workforce: Case Studies from the Nuclear Industry.

Science.gov (United States)

Widen, William C.; Roth, Gene L.

1992-01-01

Describes six types of instructional technology used in the nuclear industry: Study Pacs, computerized test banks, computer-based training, interactive videodisc, artificial intelligence, and full-scope simulation. Each description presents the need, training device, outcomes, and limitations or constraints on use. (SK)

The Relationship between Competition and Risk Taking Behavior of Indian Banks

OpenAIRE

Sarkar, Sanjukta; Sensarma, Rudra

2016-01-01

Under the traditional franchise value paradigm, competition in banking markets is considered to be risk enhancing because of its tendency to raise interest rates on deposits. Taking a contrarian view, Boyd and De Nicolo (2005) have argued that competition in the loan market can lead to lower interest rates and hence, reduce bank risk taking. Following these theoretical results, the empirical evidence on the relationship between risk and competition in banking has also been mixed. This paper a...

Implementation of Monetary Policy: How Do Central Banks Set Interest Rates?

OpenAIRE

Benjamin M. Friedman; Kenneth N. Kuttner

2010-01-01

Central banks no longer set the short-term interest rates that they use for monetary policy purposes by manipulating the supply of banking system reserves, as in conventional economics textbooks; today this process involves little or no variation in the supply of central bank liabilities. In effect, the announcement effect has displaced the liquidity effect as the fulcrum of monetary policy implementation. The chapter begins with an exposition of the traditional view of the implementation of ...

Research on listed bank profit model under the interest rate liberalization

Directory of Open Access Journals (Sweden)

Geyao Zhu

2017-03-01

Full Text Available With constantly deepening the interest rate liberalization, shrinking the net interest margin and the ever-rising non-performing loan ratio, the traditional commercial banks with the main profit model of credit suffers from a severe challenge. The research significance of this paper lies in helping China’s commercial bank convert management philosophy, developing a new financial business and improving the profit model. Through the empirical research of 80 samples of China’s listed commercial banks: under the condition of interest rate liberalization, the net interest margin is still the current major profit model of the commercial bank, but the intermediate business is the future development model of the commercial banks.

Processing Instruction and Russian: Further Evidence Is IN

Science.gov (United States)

Comer, William J.; deBenedette, Lynne

2011-01-01

In response to Leaver, Rifkin, and Shekhtman (2004), Wong and VanPatten (2004) challenged instructors of Russian to present evidence for the claim that mechanical drills (Traditional Instruction) were necessary for second language learning, and to demonstrate empirically the claim that Processing Instruction would not be an effective intervention…

Bank branch operating efficiency: evaluation with data envelopment analysis

Directory of Open Access Journals (Sweden)

Roozbeh Talebi Zarinkamar

2014-10-01

Full Text Available Measuring the relative efficiency of similar units has been a popular research especially when the units were mostly non-financial. Even, similar financial units may not be necessarily evaluated based on traditional financial figures such as return of equities, return of assets, etc. In this paper, we present an empirical investigation to measure the relative efficiency of 30 branches of an Iranian bank named Bank Mellat. The study considers four inputs including operating expenses, interest paid, capital expenditures and fixed assets. In addition, we use customers’ bank deposit, commissions and loans paid as output parameters. Using three different data envelopment analyses, the study measures the relative efficiencies of all units. The preliminary results indicate that most banks were working under desirable level of efficiency.

Isotopic safeguards data bank (ISTLIB) and control program (MISTY)

International Nuclear Information System (INIS)

Timmerman, C.L.

1978-09-01

As part of the U.S. program to provide technical assistance to the International Atomic Energy Agency (IAEA), the Pacific Northwest Laboratory (PNL) has developed a computer code and data bank to aid in the safeguards verification of spent fuel content at the head end of a reprocessing facility. A description and user instructions that uses isotopic safeguards techniques are presented for MISTY, a computer program for analyzing an isotopic data base (ISTLIB). The input, operating procedures, and output from MISTY are explained in detail. An output listing of an example computer run is provided to illustrate the program's operation. The contents of the data bank are summarized, and show the isotopic data sets that are available

A comparison of the effects of computer-enhanced with traditional instruction on the learning outcomes of high-school students in anatomy classes

Science.gov (United States)

Kim, Norma B.

The primary purpose of this study was to assess the effects of computer-enhanced instruction (CEI), using A.D.A.M.sp°ler The Inside Story (1997a) anatomy software, compared with traditional instruction (TI) on student learning outcomes in high school anatomy classes. Learning outcomes are comprised of student achievement. The secondary purpose of this study was to determine whether there were relationships between learning style theories and student learning outcomes. The study was conducted in two human anatomy classes at a suburban high school near Pittsburgh. One class was chosen randomly to receive CEI. The other class received identical instruction but with no software enhancement. The same instructor taught both classes. Before the study began, the Thurstone and Jeffrey Closure Flexibility Test was administered to measure students' visual perception levels and classify them as either visually perceptive or nonvisually perceptive. The Dunn Dunn and Price Learning Style Inventory was administered to the students to identify their learning styles. CEI students worked in groups at computers using A.D.A.M.sp°ler software. Students in the TI class worked in groups on word processors for written assignments. Students in both classes received the same lectures, assignments, and study guides. After the three-week instruction period, a posttest was administered to each student in both classes to compare their achievement in the endocrine unit. Two way ANOVA revealed that there was no significant difference between the mean posttest scores of students who received CEI and TI. However, a significant difference in mean posttest scores was found between visually perceptive students and nonvisually perceptive students (p < .01). There was no interaction between the instruction methods and students' visual perception levels. Regardless of the type of instruction received, visually perceptive students scored higher than nonvisually perceptive students on the posttest

The use of active learning strategies in the instruction of Reactor Physics concepts

International Nuclear Information System (INIS)

Robinson, Michael A.

2000-01-01

Each of the Active Learning strategies employed to teach Reactor Physics material has been or promises to be instructionally successful. The Cooperative Group strategy has demonstrated a statistically significant increase in student performance on the unit exam in teaching conceptually difficult, transport and diffusion theory material. However, this result was achieved at the expense of a modest increase in class time. The Tutorial CBI programs have enabled learning equally as well as classroom lectures without the direct intervention of an instructor. Thus, the Tutorials have been successful as homework assignments, releasing classroom time for other instruction. However, the time required for development of these tools was large, on the order of two hundred hours per hour of instruction. The initial introduction of the Case-Based strategy was roughly as effective as the traditional classroom instruction. Case-Based learning could well, after important modifications, perform better than traditional instruction. A larger percentage of the students prefer active learning strategies than prefer traditional lecture presentations. Student preferences for the active strategies were particularly strong when they believed that the strategies helped them learn the material better than they would have by using a lecture format. In some cases, students also preferred the active strategies because they were different from traditional instruction, a change of pace. Some students preferred lectures to CBI instruction, primarily because the CBI did not afford them the opportunity to question the instructor during the presentation

The use of active learning strategies in the instruction of Reactor Physics concepts

Energy Technology Data Exchange (ETDEWEB)

Robinson, Michael A.

2000-01-01

Each of the Active Learning strategies employed to teach Reactor Physics material has been or promises to be instructionally successful. The Cooperative Group strategy has demonstrated a statistically significant increase in student performance on the unit exam in teaching conceptually difficult, transport and diffusion theory material. However, this result was achieved at the expense of a modest increase in class time. The Tutorial CBI programs have enabled learning equally as well as classroom lectures without the direct intervention of an instructor. Thus, the Tutorials have been successful as homework assignments, releasing classroom time for other instruction. However, the time required for development of these tools was large, on the order of two hundred hours per hour of instruction. The initial introduction of the Case-Based strategy was roughly as effective as the traditional classroom instruction. Case-Based learning could well, after important modifications, perform better than traditional instruction. A larger percentage of the students prefer active learning strategies than prefer traditional lecture presentations. Student preferences for the active strategies were particularly strong when they believed that the strategies helped them learn the material better than they would have by using a lecture format. In some cases, students also preferred the active strategies because they were different from traditional instruction, a change of pace. Some students preferred lectures to CBI instruction, primarily because the CBI did not afford them the opportunity to question the instructor during the presentation.

Experience and Explanation: Using Videogames to Prepare Students for Formal Instruction in Statistics

Science.gov (United States)

Arena, Dylan A.; Schwartz, Daniel L.

2014-01-01

Well-designed digital games can deliver powerful experiences that are difficult to provide through traditional instruction, while traditional instruction can deliver formal explanations that are not a natural fit for gameplay. Combined, they can accomplish more than either can alone. An experiment tested this claim using the topic of statistics,…

The Role and Efficiency of Internet Banking in Romania

Directory of Open Access Journals (Sweden)

Florin Marian BUHOCIU

2009-01-01

Full Text Available The electronic revolution in commerce is strongly affecting the performanceof the economies. Banking over the internet has attracted increasing attention over thepast several years from bankers and other financial services industry participants andthis is due to the rapid and significant growth in electronic commerce. The changes inbanking system become ever more tangible in the client-bank interface which issituated outside the traditional headquarters represented mainly by automatic tellermachines - ATMs.

Transforming pathophysiology instruction through narrative pedagogy and Socratic questioning.

Science.gov (United States)

Rogge, M M

2001-01-01

Pathophysiology, heavily content driven, has typically been taught through the use of traditional behavioral pedagogy and a reliance on the formal lecture. The author describes the limitations of this approach to teaching pathophysiology and describes the use of narrative pedagogy and Socratic questioning as alternative methods of instruction to augment lecture methods. Specific strategies for transforming traditional classroom teaching by using Socratic questions in a pathophysiology course for nurse practitioners are described. Student and faculty reactions to the initial efforts to transform pathophysiology instruction are also described.

Adoption of agricultural innovations through non-traditional financial ...

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

Adoption of agricultural innovations through non-traditional financial services ... donors, banks, and financial institutions to explore new kinds of financial services to ... enterprises, and others in the production process to connect with markets.

An Instructional Strategy Framework for Online Learning Environments.

Science.gov (United States)

Johnson, Scott D.; Aragon, Steven R.

The rapid growth of Web-based instruction has raised many questions about the quality of online courses. It appears that many online courses are simply modeled after traditional forms of instruction instead of incorporating a design that takes advantage of the unique capabilities of Web-based learning environments. This paper describes a research…

The Provision of Services, Interest Margins and Loan Pricing in European Banking

OpenAIRE

Lepetit , Laetitia; Nys , Emmanuelle; Rous , Philippe; Tarazi , Amine

2006-01-01

This paper assesses the implications on bank interest margins of the expansion into non- traditional fee-based activities in European banking. We use a sample of 602 European commercial and cooperative banks from 1996 to 2002 and consider the total income shares of trading income and commission and fee income as measures of product diversification to explore loan pricing. Our results show that a higher income share from commission and fee activities is associated with lower margins and lower ...

Managing Customer Loyalty in the Digital Era of the Banking Industry

OpenAIRE

Ibegbulem, Anna; Andersson, Gabriella

2017-01-01

The Swedish banking industry is in the midst of digital disruption and face new EU directives, which may alter the financial market. It is believed that FinTech companies will play a significant role in shaping the future financial landscape and challenge traditional banking. The primary purpose of this thesis is to develop an understanding of how banks intend to manage customer loyalty given perceived market changes. The thesis seeks to answer the research question: What challenges related t...

The effects of modeling instruction on high school physics academic achievement

Science.gov (United States)

Wright, Tiffanie L.

The purpose of this study was to explore whether Modeling Instruction, compared to traditional lecturing, is an effective instructional method to promote academic achievement in selected high school physics classes at a rural middle Tennessee high school. This study used an ex post facto , quasi-experimental research methodology. The independent variables in this study were the instructional methods of teaching. The treatment variable was Modeling Instruction and the control variable was traditional lecture instruction. The Treatment Group consisted of participants in Physical World Concepts who received Modeling Instruction. The Control Group consisted of participants in Physical Science who received traditional lecture instruction. The dependent variable was gains scores on the Force Concepts Inventory (FCI). The participants for this study were 133 students each in both the Treatment and Control Groups (n = 266), who attended a public, high school in rural middle Tennessee. The participants were administered the Force Concepts Inventory (FCI) prior to being taught the mechanics of physics. The FCI data were entered into the computer-based Statistical Package for the Social Science (SPSS). Two independent samples t-tests were conducted to answer the research questions. There was a statistically significant difference between the treatment and control groups concerning the instructional method. Modeling Instructional methods were found to be effective in increasing the academic achievement of students in high school physics. There was no statistically significant difference between FCI gains scores for gender. Gender was found to have no effect on the academic achievement of students in high school physics classes. However, even though there was not a statistically significant difference, female students' gains scores were higher than male students' gains scores when Modeling Instructional methods of teaching were used. Based on these findings, it is recommended

MVP and Instructional Systems Design in Online Courses

Science.gov (United States)

Franklin, Jennifer L.

2017-01-01

This chapter is based on three premises. The first premise is that the use of instructional systems design (ISD) methods is important in online as well as traditional classroom settings. A second premise is that improving the motivational design of instruction brings benefits to teachers and learners alike. The third premise, specific to this…

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

Directory of Open Access Journals (Sweden)

Miranda Petronella VLAD

2012-11-01

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

Individualizing in Traditional Classroom Settings.

Science.gov (United States)

Thornell, John G.

1980-01-01

Effective individualized instruction depends primarily on the teacher possessing the skills to implement it. Individualization is therefore quite compatible with the traditional self-contained elementary classroom model, but not with its alternative, departmentalization, which allows teachers neither the time flexibility nor the familiarity with…

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

OpenAIRE

IMOLA DRIGĂ

2014-01-01

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

12 CFR 619.9140 - Farm Credit bank(s).

Science.gov (United States)

2010-01-01

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

ONLINE BANKING IN THE ROMANIAN BANKING SYSTEM

Directory of Open Access Journals (Sweden)

IMOLA DRIGĂ

2014-12-01

Full Text Available In the world of banking, the development of IT has a huge effect on development of more flexible payments methods and more user-friendly banking services. Recently, modern electronic banking services, internet and mobile banking, have rejuvenated banking transactions. Electronic banking over the Internet is one of the newest e-banking services with several benefits both for banks and for customers. The paper aims to provide an overview of online banking services highlighting various aspects globally as well as in the Romanian banking system. Even if there already are several studies on web banking, this topic still remains a resourceful area for academic research in the next decade.

Experimental Comparison of Inquiry and Direct Instruction in Science

Science.gov (United States)

Cobern, William W.; Schuster, David; Adams, Betty; Applegate, Brooks; Skjold, Brandy; Undreiu, Adriana; Loving, Cathleen C.; Gobert, Janice D.

2010-01-01

There are continuing educational and political debates about "inquiry" versus "direct" teaching of science. Traditional science instruction has been largely direct but in the US, recent national and state science education standards advocate inquiry throughout K-12 education. While inquiry-based instruction has the advantage of modelling aspects…

Banking system trust, bank trust, and bank loyalty

NARCIS (Netherlands)

van Esterik-Plasmeijer, P.; van Raaij, W.F.

2017-01-01

Purpose The purpose of this paper is to test a model of banking system trust as an antecedent of bank trust and bank loyalty. Six determinants of trust and loyalty are included: competence, stability, integrity, customer orientation, transparency, and value congruence. The study provides insights

Market Discipline and Bank Risk Taking: Evidence from the East Asian Banking Sector

OpenAIRE

Fazelina Sahul Hamid; Norhanishah Mohd Yunus

2017-01-01

The third pillar of the Basel II highlights the role of market discipline in easing the existing pressure on traditional monitoring measures like capital requirement and government supervision. This study test the effectiveness of market discipline in inducing prudential risk management practices among the East Asian banks over the 1995 to 2005 period. Market discipline is measured using information disclosure and interbank deposit holdings. We find that only the latter is an effective market...

Relationship Banking in Labor Bank

OpenAIRE

三村, 聡

2012-01-01

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

Competency-Based Instruction for Marketing Students.

Science.gov (United States)

Heath, Betty; Williams, Terry M.

1982-01-01

Which method of instruction is more effective for postsecondary students: competency-based or traditional? This study reveals that the effectiveness of one method over the other depends on work experience of the student. (Author)

THE MODEL OF UNIVERSAL BANKING SUPERMARKET IN UKRAINE

Directory of Open Access Journals (Sweden)

Tatiana Manolievna GORDITSA

2017-06-01

Full Text Available The article deals with the author's conceptual approach to the multiple scientific concepts of both traditional and universal banking service moreover it shows the level of transformation of the latter to the model of the finance supermarket – the top of the modern retail banking, a structure that was formed due to globalization of the finance-credit industry. The article analyses the category of “finance supermarket” and brings out a common idea considering the main features of the mentioned organization model of banking service. The main features include: 1. Complex banking service satisfying the customers` needs; 2. The Bundling of banking and financial products (services; 3. Product line extension, standardization and large scale character of sale; 4. Remote banking. Bundling of the products (services introduced in this model allows the maximal integration of the finance services, operations and products including banking, consulting, insurance, investment services at the same office. Analysis of the scientific literature shows that the organization structure of the servicing in a Ukrainian universal bank mostly associates the model of a finance supermarket. However, current restrictions of the Ukrainian legal system and the existence of the certain transition level, caused by gradual application of the innovations of both financial and technological origin (evolutionary-innovative development are not taken into account. Looking from this angle, the author describes a transition model – from a universal bank to a financial supermarket, a universal banking supermarket. The model`s distinctive feature is the application of the improved technological service, that induced the transformation of modern banking operations, services and products in Ukraine from simplest to complex.

Upgradation and modernization of eye banking services: Integrating tradition with innovative policies and current best practices.

Science.gov (United States)

Tandon, Radhika; Singh, Archita; Gupta, Noopur; Vanathi, M; Gupta, Vivek

2017-02-01

The purpose of this study is to review the history and evolution of the National Eye Bank (NEB) and analyze the impact over the years and report the outcome of the invested resources. Review of archival material, records, project reports, policy and procedures' manuals, and publications was done. Descriptive and analytical processing of data obtained was undertaken. Parameters evaluated included total collection, transplantation, utilization rates of donor cornea, changing trends over time in terms of numbers and duration of recipients waiting, impactful research translated into changes in standard operating protocols, new facilities, and subsequent effects on numbers or quality assurance measures and overview of major achievements. Periodic situational analysis with contextual relevance and interpretation of outcomes was done pertaining to national goals and international standards. The NEB and cornea services have played a key leadership role in furthering the development of eye banking and corneal transplantation services. The contribution extends beyond routine patient care to education, training, generation of resources, advocacy, and policymaking. In quantifiable terms, the overall performance has steadily increased over the years. Major contributions include training of doctors, eye bank staff and corneal surgeons, introduction of innovative techniques for corneal transplantation, setting of national standards for eye banking and provision of preservation media, customized corneal, and ocular surface cell replacement therapy in collaboration with other departments and institutes. The eye banking and corneal transplantation facilities have evolved with time providing quality services, modernized as appropriate with updated knowledge and incorporating technological advances supported by the systematic evidence-based approach.

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

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Tetiana Vasilyeva

2016-10-01

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

Banking on women's spirit.

Science.gov (United States)

Yunus, M

1993-11-01

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

The Response of Performance to Merger Strategy in Indonesian Banking Industry: Analyses on Bank Mandiri, Bank Danamon, and Bank Permata

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Murti Lestari

2010-05-01

Full Text Available This study analyzes the responses of performances of BankMandiri, Bank Danamon, and Bank Permata to merger strategy.This paper harnesses the quantitative approach with structuralbreak analysis method and impulse response function. Theplausible findings indicate that the merger of Bank Permataproduces a better performance response in comparison to theconsolidation of Bank Mandiri and the merger of Bank Danamon.The merger of Bank Permata does not result in performanceshocks, and the structural break does not prevail either. On theother hand, the consolidation of Bank Mandiri and the mergerof Bank Danamon result in structural breaks, particularly in thespread performance. In order to return to the stable position, themergers of Bank Mandiri and Bank Danamon require a longertime than does the merger of Bank Permata. This researchindicates that for large banks, the mergers and acquisitions(retaining one existing bank will deliver a better performanceresponse than will the consolidations (no existing bank. Keywords: impulse response function; merger; structural break

A Comparison of Computer-Assisted Instruction and Tutorials in Hematology and Oncology.

Science.gov (United States)

Garrett, T. J.; And Others

1987-01-01

A study comparing the effectiveness of computer-assisted instruction (CAI) and small group instruction found no significant difference in medical student achievement in oncology but higher achievement through small-group instruction in hematology. Students did not view CAI as more effective, but saw it as a supplement to traditional methods. (MSE)

Instructional Uses of Web-Based Survey Software

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Concetta A. DePaolo, Ph.D.

2006-07-01

Full Text Available Recent technological advances have led to changes in how instruction is delivered. Such technology can create opportunities to enhance instruction and make instructors more efficient in performing instructional tasks, especially if the technology is easy to use and requires no training. One such technology, web-based survey software, is extremely accessible for anyone with basic computer skills. Web-based survey software can be used for a variety of instructional purposes to streamline instructor tasks, as well as enhance instruction and communication with students. Following a brief overview of the technology, we discuss how Web Forms from nTreePoint can be used to conduct instructional surveys, collect course feedback, conduct peer evaluations of group work, collect completed assignments, schedule meeting times among multiple people, and aid in pedagogical research. We also discuss our experiences with these tasks within traditional on-campus courses and how they were enhanced or expedited by the use of web-based survey software.

Teaching College Microeconomics: Online vs. Traditional Classroom Instruction

Science.gov (United States)

McCarty, Cynthia; Bennett, Doris; Carter, Shawn

2013-01-01

The use of online course offerings in college has grown sharply in recent years. Previous research, while limited, is inconclusive in determining expected student performance in online versus a traditional lecture format. This paper focuses specifically on student performance in introductory microeconomics classes, analyzing learning differences…

Characteristics of Instructional Videos

Science.gov (United States)

Beheshti, Mobina; Taspolat, Ata; Kaya, Omer Sami; Sapanca, Hamza Fatih

2018-01-01

Nowadays, video plays a significant role in education in terms of its integration into traditional classes, the principal delivery system of information in classes particularly in online courses as well as serving as a foundation of many blended classes. Hence, education is adopting a modern approach of instruction with the target of moving away…

Bank Credit and Aggregate Import Demand in Nigeria: A Cointegration Analysis

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Philip Chimobi Omoke

2012-06-01

Full Text Available This study reformulated the aggregate import demand for Nigeria by including a financial variable (bank credit into the traditional import demand function for the period 1970-2009. The Johansen Multivariate cointegration analysis was used to estimate the function. The result obtained from the study shows no evidence of the existence of cointegrating relations between bank credit and import demand. This shows that bank credit is found to be insufficient as a policy instrument for long term import demand in Nigeria. Thus, the financial variable should not be included in modelling the aggregate import demand for Nigeria.

The First Women Bank -- why and for whom?

Science.gov (United States)

Bilquees, F

1991-01-01

The First Women Bank with 10 branches in Pakistani cities was to have been modeled after the Grameen Bank of Bangladesh and serve the needs of very poor women. In fact, all but two branches are located in settings which are not available to the low income population and appear to cater to the needs of the wealthy. These contradictions between purpose and practice are examined in terms of the criteria for establishment of the bank and the operational strategy for bank clientele, deposit taking and credit services. Recommendations are provided. The original idea for the bank was proposed by the Finance Minister in a speech or a new Finance Minister established the women;s bank to be run by women in order to improve the socioeconomic status of women in Pakistan by offering traditional and nontraditional services. The gesture was political and not well though out. The clientele of the bank are not exclusively women. Operations are different than those which are available at other banks. The State Bank oversees operations and can always justify decisions. The bank is supposed to provide easy access to source of credit, a simplified procedure and equity requirements. Consulting and market analytical services are provided as are training facilities for women entrepreneurs. Artistic work and products from women's operations are exhibited and promoted through national and international and industrial exhibitions. In practice, the locations deter low income women from participation. Only 40% of the borrowers were identified as low income. Investment by poor women was primarily in small retail outlets. 40% were middle income and 20% were high income borrowers. The nontraditional services mandated were ignored. What actually exists is a commercial bank in the name of women.

Using WebQuests to Teach Content: Comparing Instructional Strategies

Science.gov (United States)

Strickland, Janet

2005-01-01

The purpose of this study was to compare the use of WebQuests with traditional instruction. Specifically, the study examined the end-of-unit exam scores for students who completed a WebQuest on the Texas Revolution and those students completing a poster activity. Both of the instructional activities were implemented as additional enhancement to…

Corporate governance and earnings quality : evidence from the Malaysian banking sector

OpenAIRE

Siniah, Thangamany

2017-01-01

This thesis investigates whether corporate governance conformance by Malaysian banks improves their financial reporting quality. It is motivated by the controversies surrounding corporate governance reforms and the calls for systematic research on its efficacy in the post-reform period. Malaysian banks have been subject to international standards of corporate governance since before and after the 1997–1998 Asian Financial Crisis. Malaysia’s common-law tradition, greater level of financial and...

The emergence of the marketing mix in the banking sector

OpenAIRE

Melnic Elena- Lidia

2018-01-01

This article explains the emergence of the marketing mix in the banking sector and the specificity of this field. Research has shown that the evolution of the marketing mix in banking is closely related to the evolution of the marketing mix for services. The modern approach of the marketing mix for services comes from Booms and Bitner, from 1981. They filled the traditional 4Ps of the marketing mix (coming from products): price, product, placement (distribu...

The importance of implementing CRM concept in the banking sector

Directory of Open Access Journals (Sweden)

Marinković Vladimir

2015-01-01

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

The use of traditional ecological knowledge in sustainable use and ...

African Journals Online (AJOL)

management of plant resource through a community-based and participatory ... traditional ecological knowledge (TEK) and scientific knowledge, with the aim of defining criteria for sustainable ...... resources. World Bank Technical Paper.

Ethnopharmacological survey about medicinal plants utilized by herbalists and traditional practitioner healers for treatments of diarrhea in the West Bank/Palestine.

Science.gov (United States)

Jaradat, Nidal Amin; Ayesh, Ola Ibrahim; Anderson, Cynthia

2016-04-22

Folk herbal medicine knowledge and its utilization by aboriginal cultures are not only useful for conservation of cultural traditions and biodiversity, but also useful for community healthcare and drug discovery in the present and in the future. Using a semi-structured questionnaire, an ethnopharmacological survey of medicinal plants used for treatment of diarrhea in the West Bank/Palestine was investigated. Information about fifty medicinal plants used for treatment of diarrhea, including the names of plants, parts used, mode and methods of preparation was obtained from 100 traditional healers and herbalists. This research is the first scientific work in the Middle East to collect data about plants used by traditional healers for treatments of diarrhea and their evidence based effects against this disease. The fidelity levels were 97% for Salvia fruticosa, Teucrium polium and Musa paradisiaca, 95% for Camellia sinensis and Aegle marmelos, 79% for Oryza sativa and Solanum tuberosum, 77% for Quercus boissieri, 66% for Psidium guajava, 56% for Anthemis palestina, 54% for Solanum nigrum and 52% for Juglans regia while the highest use and choice values were for S. fruticosa, T. polium and M. paradisiaca as well as the factor of informant's consensus for medicinal plants used for treatment of diarrhea was 0.505.The leaves were the most commonly used parts, followed by fruits, roots and rhizomes, while decoctions and infusions are the preferred methods of preparation. The Palestinian traditional medicine is rich with herbal remedies for treatment of diarrhea in comparison with other countries, but most of these herbal remedies lack standard in-vitro and in-vivo evaluations to establish their antidiarrheal effects. Therefore, the information obtained can serve as a basis for further phytochemical and pharmacological studies to determine their efficacy and safety which might contribute to a better integration of Palestinian traditional medicine into the national health

The development, assessment and validation of virtual reality for human anatomy instruction

Science.gov (United States)

Marshall, Karen Benn

1996-01-01

This research project seeks to meet the objective of science training by developing, assessing, validating and utilizing VR as a human anatomy training medium. Current anatomy instruction is primarily in the form of lectures and usage of textbooks. In ideal situations, anatomic models, computer-based instruction, and cadaver dissection are utilized to augment traditional methods of instruction. At many institutions, lack of financial resources limits anatomy instruction to textbooks and lectures. However, human anatomy is three-dimensional, unlike the one-dimensional depiction found in textbooks and the two-dimensional depiction found on the computer. Virtual reality allows one to step through the computer screen into a 3-D artificial world. The primary objective of this project is to produce a virtual reality application of the abdominopelvic region of a human cadaver that can be taken back to the classroom. The hypothesis is that an immersive learning environment affords quicker anatomic recognition and orientation and a greater level of retention in human anatomy instruction. The goal is to augment not replace traditional modes of instruction.

Web-Based Instruction on Preservice Teachers' Knowledge of Fraction Operations

Science.gov (United States)

Lin, Cheng-Yao

2010-01-01

This study determines whether web-based instruction (WBI) represents an improved method for helping preservice teachers learn procedural and conceptual knowledge of fractions.. The purpose was to compare the effectiveness of web-based instruction (WBI) with the traditional lecture in mathematics content and methods for the elementary school…

Examination of the PROMIS upper extremity item bank.

Science.gov (United States)

Hung, Man; Voss, Maren W; Bounsanga, Jerry; Crum, Anthony B; Tyser, Andrew R

Clinical measurement. The psychometric properties of the PROMIS v1.2 UE item bank were tested on various samples prior to its release, but have not been fully evaluated among the orthopaedic population. This study assesses the performance of the UE item bank within the UE orthopaedic patient population. The UE item bank was administered to 1197 adult patients presenting to a tertiary orthopaedic clinic specializing in hand and UE conditions and was examined using traditional statistics and Rasch analysis. The UE item bank fits a unidimensional model (outfit MNSQ range from 0.64 to 1.70) and has adequate reliabilities (person = 0.84; item = 0.82) and local independence (item residual correlations range from -0.37 to 0.34). Only one item exhibits gender differential item functioning. Most items target low levels of function. The UE item bank is a useful clinical assessment tool. Additional items covering higher functions are needed to enhance validity. Supplemental testing is recommended for patients at higher levels of function until more high function UE items are developed. 2c. Copyright © 2016 Hanley & Belfus. Published by Elsevier Inc. All rights reserved.

Comparing the Effects of Four Instructional Treatments on EFL Students' Achievement in Writing Classified Ads

Science.gov (United States)

Khodabandeh, Farzaneh

2016-01-01

The current study set out to compare the effect of traditional and non-traditional instructional treatments; i.e. explicit, implicit, task-based and no-instruction approaches on students' abilities to learn how to write classified ads. 72 junior students who have all taken a course in Reading Journalistic Texts at the Payame-Noor University…

Monetary policy and banking supervision: still at arm's length? A comparative analysis

Directory of Open Access Journals (Sweden)

Donato Masciandaro

2012-12-01

Full Text Available By the early 2000s an increasing number of countries had adopted a well-defined central bank framework, characterized by two intertwined features: stronger specialization for the banking authority in achieving monetary policy goals, and a lessening of its traditional responsibilities for the safeguard of financial stability within its institutional perimeter. The fundamental effect was that Central Bank Involvement in Supervision (CBIS generally decreased. But then, after the Financial Crisis erupted in 2008, reforms have been undertaken and projects are being discussed to reconsider the role of the central bank in the field of supervisory tasks. The main research question is then: how is CBIS moving? This article offers two contributions. Firstly, the economics of the relationship between central banking, monetary policy and banking supervision is reviewed. Secondly, the current situation of CBIS in 88 countries around the world is analyzed.

Effects of multiple intelligences instruction strategy on students achievement levels and attitudes towards English Lesson

Directory of Open Access Journals (Sweden)

Gokhan Bas

2010-09-01

Full Text Available The aim of the research was to investigate the effects of multiple intelligences instruction strategy and traditional instructionalenvironment on students’ achievement and their attitude towards English lesson. The research was carried out in 2009 – 2010education-instruction year in Karatli Sehit Sahin Yilmaz Elementary School, Nigde, Turkey. Totally 60 students in two differentclasses in the 4th grade of this school participated in the study. In this study, an experimental method with a control group hasbeen used in order to find out the difference between the students who were taught by multiple intelligences instructionstrategy in the experiment group and the students who were taught by traditional instructional methods in the control group.The results of the research showed a significant difference between the attitude scores of the experiment group and thecontrol group. It was also found out that the multiple intelligences instruction strategy activities were more effective in thepositive development of the students’ attitudes. At the end of the research, it is revealed that the students who are educatedby multiple intelligences instruction strategy are more successful and have a higher motivation level than the students who areeducated by the traditional instructional methods.

Fluency First: Reversing the Traditional ESL Sequence.

Science.gov (United States)

MacGowan-Gilhooly, Adele

1991-01-01

Describes an ESL department's whole language approach to writing and reading, replacing its traditional grammar-based ESL instructional sequence. Reports the positive quantitative and qualitative results of the first three years of using the new approach. (KEH)

The Basics of Blended Instruction

Science.gov (United States)

Tucker, Catlin R.

2013-01-01

Even though many of teachers do not have technology-rich classrooms, the rapidly evolving education landscape increasingly requires them to incorporate technology to customize student learning. Blended learning, with its mix of technology and traditional face-to-face instruction, is a great approach. Blended learning combines classroom learning…

BANK RUN AND STABILITY OF ISLAMIC BANKING IN INDONESIA

Directory of Open Access Journals (Sweden)

Rahmatina A. Kasri

2017-08-01

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

Simulating Retail Banking for Banking Students

Science.gov (United States)

Supramaniam, Mahadevan; Shanmugam, Bala

2009-01-01

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

Predictions of On-Line Banks' Fraudulent: A Study on Discriminant Analysis.

OpenAIRE

Gabriel Joseph Mukungu; Gwangyong Gim

2014-01-01

The information and communication technology (ICT) is growing fast in the community along with some risks. The on-line banks' fraudulent are increasing dramatically resulting in the loss of money and retardate the growth on economic development. Some law enforcers like Tanzanian police yet use the traditional prevention technologies to investigate these on-line banks' fraudulent cases mainly known as cyber crimes. For the purpose of this study, 150 data were collected as cyber...

Illiquidity, insolvency, and banking regulation

OpenAIRE

Cao, Jin

2010-01-01

This paper provides a compact framework for banking regulation analysis in the presence of uncertainty between systemic liquidity and solvency shocks. Extending the work by Cao & Illing (2009a, b), it is shown that systemic liquidity shortage arises endogenously as part of the inferior mixed strategy equilibrium. The paper compares dierent traditional regulatory policies which intend to fix the ineciencies, and argues that the co-existence of illiquidity and insolvency problems adds extra ...

Operational auditing versus traditional method: A comparative investigation

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Reza Tehrani

2013-06-01

Full Text Available Operational auditing is one of the management consultancy services whose significance is on the rise day by day. This approach is, clearly, a systematic and methodical process used to evaluate economic savings of financial processes in organizations and the results of the evaluations are reported to interested people along with some comments to improve operational processes. Accordingly, it appears that the proper employment of the existing rationale in operational auditing can be a significant step towards the improvement of financial efficiency in Iranian public and private banking sector. This paper studies the effects of operational auditing on the improvement of economic saving of financial processes in Iranian private banks compared with traditional approaches where the operations are based on financial statements. The population of this survey includes 15 private and public Iranian banks and the proposed study selects 78 branches, randomly. The Cronbach alpha was used to test the reliability a questionnaire employed to collect the needed data in this study. The results obtained by SPSS Software indicated that the reliability of the instrumentsanged between 0.752 and 0.867, suggesting an acceptable level of the reliability for the questionnaire. Besides, content validity was used to confirm the validity of the instrument. The results of the study indicated that the operational auditing as a useful approach influencing the financial efficiency of public and private banks has significantly transformed the traditional thinking in the field of management auditing. The operational auditing has a number of significant advantages including a better method of controlling financial operations within Iranian banks, efficient planning in the future, facilitating efficient, appropriate, and accurate management decision making, and sound evaluation of managers’ financial operations.

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

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Anthony Lukmawijaya

2015-05-01

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

Denying Foreign Bank Entry: Implications For Bank Interest Margins

OpenAIRE

Ross Levine

2003-01-01

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

E-BANKING- MODERN BANKING SERVICES

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MIRANDA PETRONELLA VLAD

2009-05-01

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

Governance of the impact of price satisfaction dimensions on mobile banking adoption

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Pinigas Mbengo

2017-12-01

Full Text Available The Reserve Bank of Zimbabwe has encouraged the use of mobile banking services in a bid to promote financial inclusion and as an additive banking channel to compliment traditional banking model. The mobile phones have phenomenally changed the way the Zimbabwean banking industry is conducting business. The major purpose of this study is to critically examine the impact of influence of price satisfaction dimensions on behavioural intention to adopt mobile banking. The study used a descriptor-explanatory design whereby descriptive design was a precursor to explanation. Data was collected using a questionnaire and analysed using the Statistical Package for Social Sciences (SPSS. Findings show that relative prices had the strongest positive influence on behavioural intention to adopt mobile banking. However, price confidence did not indicate any significant relationship with dependent behavioural intention and the hypothesis so associated was therefore not supported. Price fairness and price transparency had negative significant relationships with the dependent variable behavioural intention to adopt mobile banking. Given these findings, the researchers made recommendations to various stakeholders in the banking industry. This study is important because it highlights the dimensions that are powerful predictors in attracting new customers in the mobile baking industry.

The tissue bank at the Instituto Nacional de Investigaciones Nucleares: ISO 9001:2000 certification of its quality management system.

Science.gov (United States)

Martínez-Pardo, María Esther; Mariano-Magaña, David

2007-01-01

Tissue banking is a complex operation concerned with the organisation and coordination of all the steps, that is, from donor selection up to storage and distribution of the final products for therapeutic, diagnostic, instruction and research purposes. An appropriate quality framework should be established in order to cover all the specific methodology as well as the general aspects of quality management, such as research and development, design, instruction and training, specific documentation, traceability, corrective action, client satisfaction, and the like. Such a framework can be obtained by developing a quality management system (QMS) in accordance with a suitable international standard: ISO 9001:2000. This paper presents the implementation process of the tissue bank QMS at the Instituto Nacional de Investigaciones Nucleares in Mexico. The objective of the paper is to share the experience gained by the tissue bank personnel [radiosterilised tissue bank (BTR)] at the Instituto Nacional de Investigaciones Nucleares (ININ, National Institute of Nuclear Research), during implementation of the ISO 9001:2000 certification process. At present, the quality management system (QMS) of ININ also complies with the Mexican standard NMX-CC-9001:2000. The scope of this QMS is Research, Development and Processing of Biological Tissues Sterilised by Gamma Radiation, among others.

Internet Banking integration within the banking system

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Constantin Marian MATEI

2008-01-01

Full Text Available Internet Banking developed due to increasing demand of online banking transactions. The biggest advantages of Internet Banking consist of complex banking solutions, 24 hours availability, quick and secure access to the back-end application through Internet. These advantages are due to the use of SOA (service-oriented architecture. SOA appeared as a necessity of companies to integrate big and independent portions of applications, in order to obtain an homogeneous functionality of the system. For the Internet Banking applications, SOA proved to be the optimal architectural solution, for a smoth integration between banking services from the front-end to the back-end.This paper intend to offer an insite analyse of the Internet Banking applications architecture integrated with other banking systems. A SOA oriented analyse will establish the scope of the integration architecture.

Interest Free Banking in Nigeria - Welcome Islamic Banking ...

African Journals Online (AJOL)

Interest Free Banking in Nigeria - Welcome Islamic Banking; Welcome Christian Banking. ... banks pay interest on deposits, and charge interest on loans and advances, ... However, the literature on interest rates, in relation to Commercial Bank ...

E-Banking and its features - Albania as a special case

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Ermela Bashuri

2016-03-01

Full Text Available The e-banking system is a system which enables customers of financial institutions to perform financial transactions such as: balance inquiries, account transfers, bill payments and some of them offer even the possibility to make loan or credit card applications on a website operated by the institution via internet at any place or time. The e-banking is referred to as online banking or internet banking. The banks have chosen to be part of the wide world of Web in order to stay competitive in the fast changing world of business and also to take further advantages. This innovation (accompanied by globalization and technology development has”obliged” the business entities to redefine and remodel their operations. Electronic banking is the wave of the future. It provides enormous benefits to consumers in terms of the ease and cost of transactions. But it also poses new challenges for country authorities in regulating and supervising the financial system and in designing and implementing macroeconomic policy. In the first section there is an overview of E-banking products and services offered world wide and in Albania as a special case. In the second section there is a general overview of the e-banking advantages and disadvantages. In the third part there is a discussion above the features, challenges, advantages and disadvantages of E-Banking vs traditional banking. In the last part there are given some general recommendations to be taken in consideration in order to maintain effective and to further develop the operating environment for the existing and potential e-banks.

The main business of the four state-owned commercial banks of China

Institute of Scientific and Technical Information of China (English)

杨恺平

2012-01-01

　　The state-owned banks have been increasingly dependent on traditional business in the last decade, due to the high Net Interest Spread (NIS) and the growing scale of loan business. This dependency is a potential bomb for the profitability of the banks and has also limited the development of intermediate business, which poses huge threat to the international competitiveness of the state-owned banks. The lagging development of intermediate busines is caused by not only the government regulation, but also the lack of creativity, domestic demand, advanced technology and highly-educated staf . Immediate measures must be taken to improve the situation.

The World Bank's innovation market.

Science.gov (United States)

Wood, Robert Chapman; Hamel, Gary

2002-11-01

Large, tradition-bound organizations can make space for radical, low-cost (and therefore low-risk) innovations. Just ask executives at the World Bank. The story of this best practice begins in 1998, when a young new-products group at the international funding agency proposed holding an Innovation Marketplace to capture novel ideas within the Bank for alleviating poverty. The forum, which eventually was opened to external participants, let people informally present their antipoverty ideas to potential funding sources. Funders could move among hundreds of booths and evaluate proposals for, say, a program that would provide postdisaster reconstruction insurance in developing countries or a vaccination development initiative. The marketplace truncated the Bank's standard project-review processes, which often stretched to a year or more, and gave funders permission to make commitments in the tens of thousands of dollars, rather than in the tens of millions more typical of Bank-financed projects. The marketplace concept met with some skepticism at the beginning. Some senior executives at the Bank felt no group had the right to spend the agency's money without following its well-established resource allocations process. But the marketplace team believed an open process for allocating grants would produce more breakthrough ideas in the long run than a centralized one. In this article, the authors describe how the new-products team brainstormed to create a market for ideas, how it got senior management's support, and how it has expanded on the original concept for these innovation marketplaces. The program's success, they contend, offers hope both for the world's poor and for business leaders looking to find new ideas under the hard crust of corporate dogma, conformance, and bureaucracy.

RECEPTIVENESS OF INTERNET BANKING BY MALAYSIAN CONSUMERS: THE CASE OF PENANG

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T. Ramayah

2003-01-01

Full Text Available This is a study about Internet banking acceptance in Malaysia. Due to the impending liberalization, Malaysian banks are desperately embracing this new distribution channel to prepare themselves for the competition which is looming in the near future. Although the awareness level is high, this has not translated into actual use as only 23% have had some Internet banking experience. Security, availability of infrastructure and complexity of technology were main concerns reported by the respondents which is hindering the migration from traditional banking to Internet banking. In terms of external variables only prior experience and external pressure has been found to influence the intention to use. Perceived ease of use and perceived usefulness has been found to be significantly related to intention and perceived usefulness has been found to be a better predictor of intention to use compared to ease of use. In short it can be concluded that perceived usefulness is the driver of the intention to use Internet banking. The implications of this research is further explored.

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

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Aditya Wardhana

2015-09-01

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

Institutional Renewal: Instructional Development in Context.

Science.gov (United States)

DeBloois, Michael L.

Traditionally, instructional developers have confronted the following dilemmas: (1) motivation through coercion versus motivation through reward; (2) systems approaches versus intuition; and (3) incremental change versus fundamental change. A more pragmatic approach to institutional change should attempt to: (1) be user centered; (2) provide…

Hobbies and Hobby-Related Reading: Exploring Preferences, Practices, and Instructional Possibilities.

Science.gov (United States)

Hoffman, Amy R.; Boraks, Nancy E.; Bauer, David

2000-01-01

Considers the relationship between hobbies and hobby-related reading to evaluate a common instructional assumption about using hobbies as a basis for recommending reading. Supports: (1) the potential for recommending authentic, non-traditional hobby-related reading materials in home and instructional settings; and (2) the potential for tapping the…

Weighing the Benefits of Anchored Math Instruction for Students with Disabilities in General Education Classes.

Science.gov (United States)

Bottge, Brian A.; Heinrichs, Mary; Mehta, Zara Dee; Hung, Ya-Hui

2002-01-01

A study examined the effectiveness of enhanced anchor instruction and traditional problem instruction in improving the problem-solving performance of 42 seventh-graders with and without disabilities in inclusive classrooms. Students without disabilities profited from contextualized instruction, but benefits for the students with disabilities were…

Role of Foreign Banks in Integration of Banking Industry

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Roman Šubić

2009-12-01

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

Analisis Perbandingan Bank Umum Konvensional Dan Bank Umum Syariah

OpenAIRE

Nuryati; Gendis Gumilar, Amethysa

2011-01-01

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

Brief, cooperative peer-instruction sessions during lectures enhance student recall and comprehension*

Science.gov (United States)

Zhang, Niu; Henderson, Charles N.R.

2016-01-01

Objective: The objective of this study was to evaluate the academic impact of cooperative peer instruction during lecture pauses in an immunology/endocrinology course. Methods: Third-quarter students participated across iterations of the course. Each class offered 20 lectures of 50 minutes each. Classes were divided into a peer-instruction group incorporating cooperative peer instruction and a control group receiving traditional lectures. Peer-instruction group lectures were divided into 2–3 short presentations followed by a multiple-choice question (MCQ). Students recorded an initial answer and then had 1 minute to discuss answers with group peers. Following this, students could submit a revised answer. The control group received the same lecture material, but without MCQs or peer discussions. Final-exam scores were compared across study groups. A mixed-design analysis of covariance was used to analyze the data. Results: There was a statistically significant main effect for the peer-instruction activity (F(1, 93) = 6.573, p = .012, r = .257), with recall scores higher for MCQs asked after peer-instruction activities than for those asked before peer instruction. Final-exam scores at the end of term were greater in the peer-instruction group than the control group (F(1, 193) = 9.264, p = .003, r = .214; question type, F(1, 193) = 26.671, p = .000, r = .348). Conclusion: Lectures with peer-instruction pauses increase student recall and comprehension compared with traditional lectures. PMID:26967766

Traditional knowledge of wild edible plants used in Palestine (Northern West Bank: A comparative study

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Khlaif Rasha B

2008-05-01

Full Text Available Abstract Background A comparative food ethnobotanical study was carried out in fifteen local communities distributed in five districts in the Palestinian Authority, PA (northern West Bank, six of which were located in Nablus, two in Jenin, two in Salfit, three in Qalqilia, and two in Tulkarm. These are among the areas in the PA whose rural inhabitants primarily subsisted on agriculture and therefore still preserve the traditional knowledge on wild edible plants. Methods Data on the use of wild edible plants were collected for one-year period, through informed consent semi-structured interviews with 190 local informants. A semi-quantitative approach was used to document use diversity, and relative importance of each species. Results and discussion The study recorded 100 wild edible plant species, seventy six of which were mentioned by three informants and above and were distributed across 70 genera and 26 families. The most significant species include Majorana syriaca, Foeniculum vulgare, Malvasylvestris, Salvia fruticosa, Cyclamen persicum, Micromeria fruticosa, Arum palaestinum, Trigonella foenum-graecum, Gundelia tournefortii, and Matricaria aurea. All the ten species with the highest mean cultural importance values (mCI, were cited in all five areas. Moreover, most were important in every region. A common cultural background may explain these similarities. One taxon (Majoranasyriaca in particular was found to be among the most quoted species in almost all areas surveyed. CI values, as a measure of traditional botanical knowledge, for edible species in relatively remote and isolated areas (Qalqilia, and Salfit were generally higher than for the same species in other areas. This can be attributed to the fact that local knowledge of wild edible plants and plant gathering are more spread in remote or isolated areas. Conclusion Gathering, processing and consuming wild edible plants are still practiced in all the studied Palestinian areas. About 26

Assessing the Growth of Ethical Banking: Some Evidence from Spanish Customers

Science.gov (United States)

Callejas-Albiñana, Fernando E.; Martínez-Rodríguez, Isabel; Callejas-Albiñana, Ana I.; de Vidales-Carrasco, Irene M.

2017-01-01

Aristotle, who, having predated Adam Smith by 2000 years, deserves to be recognized as the world’s first economist (Solomon, 1995), distinguished between two different senses of what we call economics: oikonomikos, or household trading, which he approved of and considered essential to the working of any even slightly complex society, and chrematisike, or trade for profit, which he considered selfish and utterly devoid of virtue, calling those who engaged in such practices “parasites”. Of course, consumers do not purchase and invest for solely economic reasons (Polanyi, 1944). Interest in ethics in economics has been the subject of continuous study. In this regard, the recent financial crisis has had not only economic, but also social, psychological, political, and ethical consequences, which have impacted the financial and banking system. Consumers are no longer drawn only by the economic return but also by ethical factors. Ethical banking is on the rise. This paper aims to explain the reasons for the growth in ethical banking and to answer the following questions: can banking consumers-investors change the characterization of the banking system? Can ethical banking gain ground on traditional banking? And is ethical banking really effective? To this end, it will examine the Spanish case, using econometric causal regression models to identify the reasons why consumers decide to invest in ethical banking and determine its role in the Spanish economy. PMID:28596742

Assessing the Growth of Ethical Banking: Some Evidence from Spanish Customers

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Fernando E. Callejas-Albiñana

2017-05-01

Full Text Available Aristotle, who, having predated Adam Smith by 2000 years, deserves to be recognized as the world’s first economist (Solomon, 1995, distinguished between two different senses of what we call economics: oikonomikos, or household trading, which he approved of and considered essential to the working of any even slightly complex society, and chrematisike, or trade for profit, which he considered selfish and utterly devoid of virtue, calling those who engaged in such practices “parasites”. Of course, consumers do not purchase and invest for solely economic reasons (Polanyi, 1944. Interest in ethics in economics has been the subject of continuous study. In this regard, the recent financial crisis has had not only economic, but also social, psychological, political, and ethical consequences, which have impacted the financial and banking system. Consumers are no longer drawn only by the economic return but also by ethical factors. Ethical banking is on the rise. This paper aims to explain the reasons for the growth in ethical banking and to answer the following questions: can banking consumers-investors change the characterization of the banking system? Can ethical banking gain ground on traditional banking? And is ethical banking really effective? To this end, it will examine the Spanish case, using econometric causal regression models to identify the reasons why consumers decide to invest in ethical banking and determine its role in the Spanish economy.

Assessing the Growth of Ethical Banking: Some Evidence from Spanish Customers.

Science.gov (United States)

Callejas-Albiñana, Fernando E; Martínez-Rodríguez, Isabel; Callejas-Albiñana, Ana I; de Vidales-Carrasco, Irene M

2017-01-01

Aristotle, who, having predated Adam Smith by 2000 years, deserves to be recognized as the world's first economist (Solomon, 1995), distinguished between two different senses of what we call economics : oikonomikos , or household trading, which he approved of and considered essential to the working of any even slightly complex society, and chrematisike , or trade for profit, which he considered selfish and utterly devoid of virtue, calling those who engaged in such practices "parasites". Of course, consumers do not purchase and invest for solely economic reasons (Polanyi, 1944). Interest in ethics in economics has been the subject of continuous study. In this regard, the recent financial crisis has had not only economic, but also social, psychological, political, and ethical consequences, which have impacted the financial and banking system. Consumers are no longer drawn only by the economic return but also by ethical factors. Ethical banking is on the rise. This paper aims to explain the reasons for the growth in ethical banking and to answer the following questions: can banking consumers-investors change the characterization of the banking system? Can ethical banking gain ground on traditional banking? And is ethical banking really effective? To this end, it will examine the Spanish case, using econometric causal regression models to identify the reasons why consumers decide to invest in ethical banking and determine its role in the Spanish economy.

Is banking supervision central to central banking?

OpenAIRE

Joe Peek; Eric S. Rosengren; Geoffrey M. B. Tootell

1997-01-01

Whether central banks should play an active role in bank supervision and regulation is being debated both in the United States and abroad. While the Bank of England has recently been stripped of its supervisory responsibilities and several proposals in the United States have advocated removing bank supervision from the Federal Reserve System, other countries are considering enhancing central bank involvement in this area. Many of the arguments for and against these proposals hinge on the effe...

Canada; Financial Sector Assessment Program-Intensity and Effectiveness of Federal Bank Supervision in Canada-Technical Note

OpenAIRE

International Monetary Fund

2014-01-01

This paper evaluates Financial Sector Assessment Program (FSAP) intensity and effectiveness of Federal Bank supervision in Canada. The IMF report highlights that a key element of effective supervision is a willingness to increase supervisory pressure promptly when a supervisor identifies weaknesses in an institution. The IMF funding for Canadian banks is primarily through deposits and lending focuses on traditional bank products in Canada in the personal and commercial sectors. It also highli...

Changing the Face of Traditional Education: A Framework for Adapting a Large, Residential Course to the Web

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Maureen Ellis

2007-07-01

Full Text Available At large, research universities, a common approach for teaching hundreds of undergraduate students at one time is the traditional, large, lecture-based course. Trends indicate that over the next decade there will be an increase in the number of large, campus courses being offered as well as larger enrollments in courses currently offered. As universities investigate alternative means to accommodate more students and their learning needs, Web-based instruction provides an attractive delivery mode for teaching large, on-campus courses. This article explores a theoretical approach regarding how Web-based instruction can be designed and developed to provide quality education for traditional, on-campus, undergraduate students. The academic debate over the merit of Web-based instruction for traditional, on-campus students has not been resolved. This study identifies and discusses instructional design theory for adapting a large, lecture-based course to the Web.

Formal education of curriculum and instructional designers

NARCIS (Netherlands)

McKenney, Susan; Visscher-Voerman, Irene

2013-01-01

In practice, few researchers and designers have strong conceptual understanding of the marriage between the design discipline and scientific research traditions. Rather, most have strong exposure to either research methodologies or instructional design methods, theories and/or practices. Within the

Inclusive differentiated instruction

Directory of Open Access Journals (Sweden)

Jerković Ljiljana S.

2017-01-01

expressive reading and information reception and comprehension; and C critical and creative reading and creative information processing. The students assigned to the experimental group learnt about and acquired literary theory concepts and special characteristics of literary genres within their 'zones of proximal development,' while the lessons taught to the control group were structured to suit an average or imaginary student. The same requirements were set on all students in the control group, regardless of their individual level of familiarity with literary theory notions and concepts and the degree to which they were capable of comprehending and experiencing a literary text. The results of the experiment carried out with such parallel groups show that the achievement of the students included in the experimental group, who were taught according to individualized instruction plans, was better in a way that was statistically significant, in comparison with both their knowledge of the subject matter before the experiment and the control group, whose members attended classes organized in a predominantly traditional, non-individualistic way.

Using the iPad as a Tool to Support Literacy Instruction

Science.gov (United States)

Hutchison, Amy; Beschorner, Beth

2015-01-01

The purpose of this case study was to examine how iPads could be integrated into literacy instruction in a fourth-grade classroom in ways consistent with new conceptions of literacy and in ways that transform traditional literacy instruction by supporting readers in creating multimodal responses to reading. Results indicate that several features…

Technology-based vs. traditional instruction. A comparison of two methods for teaching the skill of performing a 12-lead ECG.

Science.gov (United States)

Jeffries, Pamela R; Woolf, Shirley; Linde, Beverly

2003-01-01

The purpose of this study was to compare the effectiveness of an interactive, multimedia CD-ROM with traditional methods of teaching the skill of performing a 12-lead ECG. A randomized pre/posttest experimental design was used. Seventy-seven baccalaureate nursing students in a required, senior-level critical-care course at a large midwestern university were recruited for the study. Two teaching methods were compared. The traditional method included a self-study module, a brief lecture and demonstration by an instructor, and hands-on experience using a plastic manikin and a real 12-lead ECG machine in the learning laboratory. The second method covered the same content using an interactive, multimedia CD-ROM embedded with virtual reality and supplemented with a self-study module. There were no significant (p method, or perception of self-efficacy in performing the skill. Overall results indicated that both groups were satisfied with their instructional method and were similar in their ability to demonstrate the skill correctly on a live, simulated patient. This evaluation study is a beginning step to assess new and potentially more cost-effective teaching methods and their effects on student learning outcomes and behaviors, including the transfer of skill acquisition via a computer simulation to a real patient.

Regional Banks in the Russian Banking System

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Mikhail Vitalyevich Leonov

2015-06-01

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

Mobile banking: New trend in the contemporary banking sector

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Sanader Dušica

2014-01-01

Full Text Available In the late 1990s and early 2000s, banking has undergone and is still undergoing some considerable changes, adjusting itself to the new circumstances and challenges in its environment. Modern information technologies have granted an opportunity to banks to expand their operations and adjust their offer of products and services, placing them through the new communication channels. The increasing reliance on mobile devices, especially the so-called smart phones, has facilitated the development of a new form of banking, known as mobile banking. Mobile banking is a specific channel of electronic banking, enabling clients to communicate with the bank via mobile devices. The bank's products and services are, thus, available to the clients at any time and at any place, and the banking sector is expected to perfectly understand the needs of today's clients, before implementing mobile banking. The research in this paper focuses on mobile banking, as a segment of electronic banking, which has developed under the influence of modern information technologies. The paper elaborates on the main characteristics of mobile banking, its advantages, but also its drawbacks that the banks and their clients are facing in the process of its utilization (or its implementation in practice. Moreover, the paper presents the trends of using mobile banking in the world and in Serbia, along with the tendencies for developing new services.

Prioritizing the effective factors for customers attraction: A case study of Sepah Bank

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Azim Zarei

2012-04-01

Full Text Available During the past few years, privatization has recently changed banking industry and there has been an increase competition in this industry. New banks try to present better services to absorb customers and traditional banks attempt to improve their services to retain their existing customers. In such environment and with limited amount of resources, there is a necessity to prioritize different influencing factors on the quality of the services. The proposed study of this paper presents a multi criteria decision making method along with Kano method to prioritize the most influencing factors of service quality. The proposed study of this paper is implemented for one of the oldest banks in Iran called Sepah. We have gathered different factors influencing customer satisfaction for all Sepah banks located in Semnan, Iran and using, analytical hierarchy process we provide a detailed ranking.

FRACTIONAL BANKING

OpenAIRE

Maria Klimikova

2010-01-01

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

Flipped Classroom Instruction for Inclusive Learning

Science.gov (United States)

Altemueller, Lisa; Lindquist, Cynthia

2017-01-01

The flipped classroom is a teaching methodology that has gained recognition in primary, secondary and higher education settings. The flipped classroom inverts traditional teaching methods, delivering lecture instruction outside class, and devoting class time to problem solving, with the teacher's role becoming that of a learning coach and…

Beyond Traditional Literacy Instruction: Toward an Account-Based Literacy Training Curriculum in Libraries

Science.gov (United States)

Cirella, David

2012-01-01

A diverse group, account-based services include a wide variety of sites commonly used by patrons, including online shopping sites, social networks, photo- and video-sharing sites, banking and financial sites, government services, and cloud-based storage. Whether or not a piece of information is obtainable online must be considered when creating…

Instruction, Feedback and Biometrics: The User Interface for Fingerprint Authentication Systems

Science.gov (United States)

Riley, Chris; Johnson, Graham; McCracken, Heather; Al-Saffar, Ahmed

Biometric authentication is the process of establishing an individual’s identity through measurable characteristics of their behaviour, anatomy or physiology. Biometric technologies, such as fingerprint systems, are increasingly being used in a diverse range of contexts from immigration control, to banking and personal computing. As is often the case with emerging technologies, the usability aspects of system design have received less attention than technical aspects. Fingerprint systems pose a number of challenges for users and past research has identified issues with correct finger placement, system feedback and instruction. This paper describes the development of an interface for fingerprint systems using an iterative, participative design approach. During this process, several different methods for the presentation of instruction and feedback were identified. The different types of instruction and feedback were tested in a study involving 82 participants. The results showed that feedback had a statistically significant effect on overall system performance, but instruction did not. The design recommendations emerging from this study, and the use of participatory design in this context, are discussed.

Investigating the Effects of Computer-Assisted Instruction on Achievement and Attitudes towards Mathematics among Seventh-Grade Students in Kuwait

Science.gov (United States)

Soliman, Mamdouh M.; Hilal, Ahmed J.

2016-01-01

This study evaluates the effectiveness of Computer-Assisted Instruction (CAI) compared with traditional classroom instruction of mathematics of seventh graders in Kuwait's public schools. We aimed to compare students learning outcomes between two groups: the control group, taught traditionally without the use of computers, and the experimental…

Business Client Segmentation in Banking Using Self-Organizing Maps

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Bach Mirjana Pejić

2014-11-01

Full Text Available Segmentation in banking for the business client market is traditionally based on size measured in terms of income and the number of employees, and on statistical clustering methods (e.g. hierarchical clustering, k-means. The goal of the paper is to demonstrate that self-organizing maps (SOM effectively extend the pool of possible criteria for segmentation of the business client market with more relevant criteria, including behavioral, demographic, personal, operational, situational, and cross-selling products. In order to attain the goal of the paper, the dataset on business clients of several banks in Croatia, which, besides size, incorporates a number of different criteria, is analyzed using the SOM-Ward clustering algorithm of Viscovery SOMine software. The SOM-Ward algorithm extracted three segments that differ with respect to the attributes of foreign trade operations (import/export, annual income, origin of capital, important bank selection criteria, views on the loan selection and the industry. The analyzed segments can be used by banks for deciding on the direction of further marketing activities.

The West Wind vs the East Wind: Instructional Leadership Model in China

Science.gov (United States)

Qian, Haiyan; Walker, Allan; Li, Xiaojun

2017-01-01

Purpose: The purpose of this paper is to develop a preliminary model of instructional leadership in the Chinese educational context and explore the ways in which Chinese school principals locate their instructional-leadership practices in response to traditional expectations and the requirements of recent reforms. Design/methodology/approach:…

Bringing the Family Tradition in Bluegrass Music to the Music Classroom

Science.gov (United States)

Mills, Susan W.

2009-01-01

National Standard 9, "understanding music in relation to history and culture," forms the basis for this article about family traditions found in bluegrass music. With historical information about the roots of bluegrass music in the Old Time tradition, the author provides helpful links and instructional strategies to help general music…

Instructional Interventions and Affective Beliefs as Predictors of Achievement and Retention of Learning

Directory of Open Access Journals (Sweden)

Ambrose Hans G. Aggabao

2015-11-01

Full Text Available Path and factor analyses were used in this study to investigate direct and indirect influences of instructional interventions on achievement and retention of learning among freshmen students in Mathematics as mediated by affective beliefs. The varying classroom contexts were hypothesized to influence affective beliefs through the application of varying instructional interventions – traditional teaching, radical constructivist, and social constructivist. The randomized equivalent groups pre-posttest experimental design was used to generate the needed data for analysis. Results showed that constructivist instructional approaches directly and indirectly influenced achievement measures with the indirect effects mediated by control orientation belief of students which was found to be the only one among four affective beliefs considered in this study to influence achievement measures. Social constructivist interventions did not show direct influence on retention of conceptual understanding and procedural fluency while traditional instructional intervention was not found to be a significant predictor of both affective beliefs and achievement measures.These results confirm for the most part the hypothesized relations among instructional interventions, affective beliefs, and achievement measures.

The emergence of the marketing mix in the banking sector

Directory of Open Access Journals (Sweden)

Melnic Elena- Lidia

2018-01-01

Full Text Available This article explains the emergence of the marketing mix in the banking sector and the specificity of this field. Research has shown that the evolution of the marketing mix in banking is closely related to the evolution of the marketing mix for services. The modern approach of the marketing mix for services comes from Booms and Bitner, from 1981. They filled the traditional 4Ps of the marketing mix (coming from products: price, product, placement (distribution and promotion with specific intangible services components: personnel, presence (physical evidence and process. For the banking sector, the development of those three components nowadays represents the main challenge because they represent the most important way to differentiate from the competition and to deliver superior services to the customers who are more sophisticated and demanding

Marketing channels of banking products and services in contemporary business environment

Directory of Open Access Journals (Sweden)

Rakita Aleksandra

2016-01-01

Full Text Available Marketing application in banking is dating back to the 50s of 20th century, and since then its role is constantly changing. His modern role of synthesis of analysis, planning and control of the bank in the financial markets, achieved by the use of instruments of marketing mix (product, price, distribution and promotion. The paper is an analysis of the distribution function, and is primarily an overview of the modern distribution channels of banking products and services in the US, as the most developed markets and global trends carrier. In the paper is drafted the comparison of traditional and alternative distribution channels, in order to compare their advantages and disadvantages with the aim to find the optimum balance between them with the purpose to, on the one hand, meet customer needs, and on the other increase the efficiency of banking operations and lowered costs.

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

OpenAIRE

Angel, Christania Graciella

2014-01-01

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

EVOLUTION OF CUSTOMERS’ SEGMENTATION TECHNIQUES IN RETAIL BANKING

Directory of Open Access Journals (Sweden)

PASCU ADRIAN IONUT

2017-11-01

Full Text Available In the context of a highly competitive market influenced by legislative changes, the technology evolution and the changes of customer’s behavior, traditional banks must be able to provide the services and products expected by customers. The most important method in retail banking by which a bank can interact with as many customers as possible to ensure satisfaction and loyalty is the notion of customers’ segmentation. The current situation from the perspective of customers’ expectations will be brought to your attention, as well as the future situation from the perspective of legislative changes and which are the main variables and techniques that allow us a relevant customers’ segmentation in this context. The challenges and opportunities of the Directive PDS2 (Payment Service Directive [7] will be analyzed, which together with the results of a study carried out by Ernst & Young "The relevance of the challenge: what retail banks must do to remain in the game" [5], make me say that now, more than ever, commercial banks must pay special attention to customer‘ segmentation. The objective of this paper is to present the evolution of the customers’ segmentation process starting from the 50’s – 60’s, when the first segmentation techniques appeared, until now, when because of the large quantities of data, there are used increasingly advanced techniques for extracting and interpreting data.

Electronic Banking And Bank Performance In Nigeria

African Journals Online (AJOL)

2013-03-01

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

Design Principles for Online Instruction: A New Kind of Classroom

Directory of Open Access Journals (Sweden)

Neil TOPORSKI

2004-01-01

Full Text Available In the 1900’s, distance education attempted to mimic the traditional classroom lecture via the transmission of live or “canned” broadcasts, regardless of the technologies used: satellite, television, film, or radio. These kinds of media predisposed DE to closely adhere to the lecture (sit and absorb model, where content was disseminated in about the same time constraints as a traditional class: taught at scheduled times throughout the week–almost anywhere but not always anytime. Moreover, the modes of presentation in classic DE seemed to hinder the kinds of human interactions normally experienced in the traditional classroom, fostering individualized and isolated learning experiences.Online learning is a hybrid between the traditional classroom and the DE experience. Like the traditional classroom, instruction is teacher-facilitated. The student is enrolled in a conventional course with topic (lecture presentations, reading and homework assignments, classroom discussions, and class projects. Unlike the traditional classroom, courses are web-based and distributed from a distance, using an assortment of synchronous and asynchronous computer technologies and offered anywhere and anytime. In this way, online learning is different from the classic DE model by encouraging decentralized and collaborative learning environments. So that in this presentation will be discuss design principles for online instruction as being a new kind of classroom.

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

Science.gov (United States)

2010-04-21

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

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

African Journals Online (AJOL)

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

Titoli e attività bancaria: ponti e mura (Securities and Banking: Bridges and Walls

Directory of Open Access Journals (Sweden)

Tommaso Padoa-Schioppa

2012-04-01

Full Text Available The paper examines the relationship between banking and securities activities in the light of financial market developments (securitisation, institutionalization of investment, emergence of complex financial instruments, conglomeration and consolidation, with particular reference to Europe. The enhanced links between banking and securities businesses have generated increased and new risks to financial institutions. However, banks' stability remains crucial for the stability of the financial system as a whole, because of their unique role as provider of liquidity. The paper also addresses the implications of the banking-securities combination for regulatory and supervisory arrangements. The exporting of prudential requirements traditional in banking (such as capital ratios into the securities field, and the importing of securities regulation (such as transparency requirements into the banking sector, can be deemed mutually beneficial. As regards supervision, there is a need to monitor the continued effectiveness of the current framework. This entails strengthening co-operation both at the national level and on a cross-border basis among sectoral supervisors in the micro-prudential field, and between them and central banks in the macro-prudential field.  JEL Codes: G21, G28, G10Keywords: Bank, Banking, Financial Institution, Financial Market, Securities

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

Science.gov (United States)

2010-01-01

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

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

Science.gov (United States)

2010-08-13

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

Banking contracts

OpenAIRE

Durčáková, Klára

2010-01-01

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

The Modified Delphi Method to Analyze the Application of Instructional Design Theory to Online Graduate Education

Science.gov (United States)

Zeedick, Danielle Marie

2010-01-01

During the past several decades, the field of instructional design theory has experienced changes in what is mostly applied to traditional, on-ground education. While instructional design theory has been (and still is being) discussed, constructed, and deconstructed, there has been no agreement among prominent instructional design theory…

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

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Buddi Wibowo

2016-08-01

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

Internet Banking integration within the banking system

OpenAIRE

Constantin Marian MATEI; Catalin Ionut SILVESTRU; Dragos Stefan SILVESTRU

2008-01-01

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

LANGUAGE LEARNING UNDER CLASSROOM CONDITIONS DURING THE TRANSITION TO HYBRID INSTRUCTION: A CASE-STUDY OF STUDENT PERFORMANCE DURING THE IMPLEMENTATION OF INSTRUCTIONAL TECHNOLOGY

OpenAIRE

Lisbeth O. Swain; Timothy D. Swain

2017-01-01

We examined the unmanipulated performance of students under real classroom conditions in order to assess the effect of a technology-enhanced hybrid learning approach to second language, (L2) instruction on beginning and advanced Spanish language learners. This research focused on the transition period of technology implementation when the entire section of Spanish of a modern language department of a liberal arts university transitioned from traditional face-to-face instruction, to a technolo...

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

Science.gov (United States)

2010-02-02

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

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

Science.gov (United States)

2010-01-25

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

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

Science.gov (United States)

2010-03-02

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

PAYMENT SYSTEMS AND THE ROLE OF THE CENTRAL BANK OF ROMANIA

Directory of Open Access Journals (Sweden)

MARIA VASILESCU

2014-05-01

Full Text Available The management of payment and settlement systems is one of the traditional functions of central banks that seeks to ensure financial stability. Similar to the case of other important function, that of lender of last resort, it is wise to ask ourselves whether the central bank is the best institution to manage payment systems. Also, considering the advances in the field, some questions arise: whether or not they contributed to the reduction of systemic risk?, do they bring extra liquidity and stability of the EMU scheme?.

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

OpenAIRE

Thomas F. Cargill

2006-01-01

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

Effectiveness of Case-Based Learning Instruction on Epistemological Beliefs and Attitudes Toward Chemistry

Science.gov (United States)

Çam, Aylin; Geban, Ömer

2011-02-01

The purpose of the study was to investigate the effectiveness of case-based learning instruction over traditionally designed chemistry instruction on eleventh grade students' epistemological beliefs and their attitudes toward chemistry as a school subject. The subjects of this study consisted of 63 eleventh grade students from two intact classes of an urban high school instructed with same teacher. Each teaching method was randomly assigned to one class. The experimental group received case-based learning and the control group received traditional instruction. At the experimental group, life cases were presented with small group format; at the control group, lecturing and discussion was carried out. The results showed that there was a significant difference between the experimental and control group with respect to their epistemological beliefs and attitudes toward chemistry as a school subject in favor of case-based learning method group. Thus, case base learning is helpful for development of students' epistemological beliefs and attitudes toward chemistry.

TISSUE BANKING – A NEW HOPE FOR RENERATIVE MEDICINE

Directory of Open Access Journals (Sweden)

Mihail George Man

2013-12-01

Full Text Available Cells, tissues and organs banks are specialised facilities in hospitals or medical institutions performing processing, preservation, banking and distribution activities of human morphological components. The authorisation criterias of such facilities are established according to the legislation regarding the human cells, tissues and organs transplantation (the law no. 48/2008 of the Romanian Parliament. Those „cells and tissues banks” are obliged to respect the instructions reguardind the donation, testing, processing, storage, distribution, encoding and trasability of the tissues and cells of human origin, used for therapeutical purposes, as well as the notification of the severe accidents and side effects during the transplantation process. The prelevation, embeding, labeling and transportation of human cells and tissues are performed according to the technical specifications in order to minimise the risk of biological contamination and only after obtaining the informed consent of the living donor and strictely respecting the legal aspects on the decesed donor.

Islamic banking

OpenAIRE

Pak, Viktoriya

2010-01-01

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

Titoli e attività bancaria: ponti e mura (Securities and Banking: Bridges and Walls

Directory of Open Access Journals (Sweden)

Tommaso Padoa-Schioppa

2002-12-01

Full Text Available The paper examines the relationship between banking and securities activities in the light of financial market developments (securitisation, institutionalization of investment, emergence of complex financial instruments, conglomeration and consolidation, with particular reference to Europe. The enhanced links between banking and securities businesses have generated increased and new risks to financial institutions. However, banks' stability remains crucial for the stability of the financial system as a whole, because of their unique role as provider of liquidity. The paper also addresses the implications of the banking-securities combination for regulatory and supervisory arrangements. The exporting of prudential requirements traditional in banking (such as capital ratios into the securities field, and the importing of securities regulation (such as transparency requirements into the banking sector, can be deemed mutually beneficial. As regards supervision, there is a need to monitor the continued effectiveness of the current framework. This entails strengthening co-operation both at the national level and on a cross-border basis among sectoral supervisors in the micro-prudential field, and between them and central banks in the macro-prudential field.

A New Comparison of Active Learning Strategies to Traditional Lectures for Teaching College Astronomy

Science.gov (United States)

LoPresto, Michael C.; Slater, Timothy F.

2016-01-01

Although traditional lectures are still the dominant form of undergraduate instruction, there have been relatively few studies comparing various learner-centered and active learning teaching strategies to one another in order to guide professors in making informed instructional decisions. To study the impact of different active learning…

Learning physics: A comparative analysis between instructional design methods

Science.gov (United States)

Mathew, Easow

The purpose of this research was to determine if there were differences in academic performance between students who participated in traditional versus collaborative problem-based learning (PBL) instructional design approaches to physics curricula. This study utilized a quantitative quasi-experimental design methodology to determine the significance of differences in pre- and posttest introductory physics exam performance between students who participated in traditional (i.e., control group) versus collaborative problem solving (PBL) instructional design (i.e., experimental group) approaches to physics curricula over a college semester in 2008. There were 42 student participants (N = 42) enrolled in an introductory physics course at the research site in the Spring 2008 semester who agreed to participate in this study after reading and signing informed consent documents. A total of 22 participants were assigned to the experimental group (n = 22) who participated in a PBL based teaching methodology along with traditional lecture methods. The other 20 students were assigned to the control group (n = 20) who participated in the traditional lecture teaching methodology. Both the courses were taught by experienced professors who have qualifications at the doctoral level. The results indicated statistically significant differences (p traditional (i.e., lower physics posttest scores and lower differences between pre- and posttest scores) versus collaborative (i.e., higher physics posttest scores, and higher differences between pre- and posttest scores) instructional design approaches to physics curricula. Despite some slight differences in control group and experimental group demographic characteristics (gender, ethnicity, and age) there were statistically significant (p = .04) differences between female average academic improvement which was much higher than male average academic improvement (˜63%) in the control group which may indicate that traditional teaching methods

Implementation of Case-Based Instruction on Electrochemistry at the 11th Grade Level

Science.gov (United States)

Tarkin, Aysegul; Uzuntiryaki-Kondakci, Esen

2017-01-01

This study aims to compare the effectiveness of case-based instruction over traditional instruction in improving 11th grade students' understanding of electrochemistry concepts, attitudes toward chemistry, chemistry self-efficacy beliefs, and motivation to learn chemistry. In total, 113 students (47 males and 66 females) from three high schools…

Effectiveness of Instruction Based on the Constructivist Approach on Understanding Chemical Equilibrium Concepts

Science.gov (United States)

Akkus, Huseyin; Kadayifci, Hakki; Atasoy, Basri; Geban, Omer

2003-01-01

The purpose of this study was to identify misconceptions concerning chemical equilibrium concepts and to investigate the effectiveness of instruction based on the constructivist approach over traditional instruction on 10th grade students' understanding of chemical equilibrium concepts. The subjects of this study consisted of 71 10th grade…

Making Room for the Transformation of Literacy Instruction in the Digital Classroom

Science.gov (United States)

Sofkova Hashemi, Sylvana; Cederlund, Katarina

2017-01-01

Education is in the process of transforming traditional print-based instruction into digital formats. This multi-case study sheds light on the challenge of coping with the old and new in literacy teaching in the context of technology-mediated instruction in the early years of schooling (7-8 years old children). By investigating the relation…

An Empirical Analysis of Impact of E-commerce on Banking Industry in China

OpenAIRE

Jiang, Bo

2010-01-01

In recent years, e-commerce grows rapidly in the whole world. In the United State and European countries, e-commerce has become a significant financial service channel and played an irreplaceable role comparing with traditional banking. In these ten years, the banking industry in China has begun to implement e-commerce in order to serve their customers better. The implementation of e-commerce has changed people’s understanding of financial issues. Meanwhile, e-commerce brings new profit point...

Online customer experience: Implications for digital banking

Directory of Open Access Journals (Sweden)

Štavljanin Velimir

2017-01-01

Full Text Available Banks will be facing great challenges in the coming period. Some of these challenges are a lack of differentiation, disloyal customers, new non-traditional competitors, increased interaction and expectations from digital channels. Many consulting firms, but also the academic community, propose a solution in the form of implementing the concept of customer experience management. As research shows that a large number of challenges come from the online environment, it is necessary for banks to ensure excellence in the online environment by applying the concept of online customer experience. In order to create this experience, it is up to the banks to meet all the necessary antecedents, which can involve the elements in terms of control, processes and content. This can be a very difficult job if one is unfamiliar with the basics, but it could also be a rewarding job which will reflect on the business performance. Although the focus of the paper is online customer experience, even in the developed countries 'digital' customers are rare. Most of them are multichannel oriented and an important aspect is the multichannel integration and the strategy focused on customer experience. This paper presents an overview of the literature in the field of online customer experience, with the aim of introducing the public with the concept as well as presenting the implications which this concept has for digital banking.

Analysis of bank failure: An application of CVAR methodology on liquidity.

Directory of Open Access Journals (Sweden)

Mubanga Mpundu

2017-03-01

Full Text Available In this paper, balance sheet liquidity data was analyzed comprising of 157 Class I and 234 Class II banks. Class I banks are categorized as those with tier 1 capital in excess of $4 billion and internationally active while Class II banks are the rest. A Cointegrated Vector Autoregressive (CVAR approach was used on balance sheet liquidity data to ascertain the behavior of variables in relation to bank failure. The study also demonstrated the nature of each of the variables containing estimated Basel III and Traditional liquidity measures for Class I and II banks. The estimated Basel III liquidity standards were made up of the Liquidity Coverage Ratio (LCR and the Net Stable Funding Ratio (NSFR while the liquidity measures involved Government Securities Ratio (GSR and Brokered Deposit Ratio (BDR. Results showed that a response of Net Stable Funding Ratio to a shock in Liquidity Coverage Ratio decreased in the first quarter and a steady continuous increase in the next quarters was observed. A shock on the Liquidity Coverage Ratio therefore would cause banks to increase their level of Net Stable Funding Ratio. This explains why the Liquidity Coverage Ratio is considered for a short term stress period of 30 calender days while the Net Stable Funding Ratio will be considered for a longer stress period of 1 year when fully implemented by banks.

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

Science.gov (United States)

2011-09-26

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

Measuring the Competitiveness of Islamic Banking in Indonesian Dual Banking System

Directory of Open Access Journals (Sweden)

Ir Ascarya

2008-08-01

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

ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL DI INDONESIA

Directory of Open Access Journals (Sweden)

Dwi Umardani

2017-05-01

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

Literacy Instruction for Young Children with Severe Speech and Physical Impairments: A Systematic Review

Science.gov (United States)

Stauter, Donna W.; Myers, Sarah R.; Classen, Audra I.

2017-01-01

Children with severe speech and physical impairment who use augmentative and alternative communication (AAC) present unique challenges in literacy development. Traditional reading instruction has not met these students' needs. Occupational therapy and speech therapy provide supports to mediate limitations to literacy instruction. A systematic…

The Effects of Apprenticeship of Observation on Teachers Attitudes towards Active Learning Instruction

OpenAIRE

Kuzhabekova Aliya; Zhaparova Raina

2016-01-01

Active learning instruction is promoted by the most recent version of the National Program for the Development of Education in Kazakhstan as it is believed to provide more meaningful learning and deeper understanding compared to traditional instruction. In order to achieve greater utilization of the instructional approach at schools, teachers must be aware of active learning techniques and know how to use them. This paper studies whether ‘apprenticeship of observation’ during a graduate cours...

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

Science.gov (United States)

2010-06-04

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

Effectiveness of Case-Based Learning Instruction on Epistemological Beliefs and Attitudes toward Chemistry

Science.gov (United States)

Cam, Aylin; Geban, Omer

2011-01-01

The purpose of the study was to investigate the effectiveness of case-based learning instruction over traditionally designed chemistry instruction on eleventh grade students' epistemological beliefs and their attitudes toward chemistry as a school subject. The subjects of this study consisted of 63 eleventh grade students from two intact classes…

GenBank

OpenAIRE

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

2002-01-01

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

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

Science.gov (United States)

2012-01-24

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

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

Science.gov (United States)

2010-01-01

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

The influence of bank employees on bank customer relationship management

Directory of Open Access Journals (Sweden)

C. Rootman

2007-12-01

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

BANKING SYSTEM STABILITY: COMMERCIAL AND CO-OPERATIVE BANKS

Directory of Open Access Journals (Sweden)

Dumitru-Cristian OANEA

2014-04-01

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

Effects of Self-Instructional Methods and Above Real Time Training (ARTT) for Maneuvering Tasks on a Flight Simulator

Science.gov (United States)

Ali, Syed Firasat; Khan, Javed Khan; Rossi, Marcia J.; Crane, Peter; Heath, Bruce E.; Knighten, Tremaine; Culpepper, Christi

2003-01-01

Personal computer based flight simulators are expanding opportunities for providing low-cost pilot training. One advantage of these devices is the opportunity to incorporate instructional features into training scenarios that might not be cost effective with earlier systems. Research was conducted to evaluate the utility of different instructional features using a coordinated level turn as an aircraft maneuvering task. In study I, a comparison was made between automated computer grades of performance with certified flight instructors grades. Every one of the six student volunteers conducted a flight with level turns at two different bank angles. The automated computer grades were based on prescribed tolerances on bank angle, airspeed and altitude. Two certified flight instructors independently examined the video tapes of heads up and instrument displays of the flights and graded them. The comparison of automated grades with the instructors grades was based on correlations between them. In study II, a 2x2 between subjects factorial design was used to devise and conduct an experiment. Comparison was made between real time training and above real time training and between feedback and no feedback in training. The performance measure to monitor progress in training was based on deviations in bank angle and altitude. The performance measure was developed after completion of the experiment including the training and test flights. It was not envisaged before the experiment. The experiment did not include self- instructions as it was originally planned, although feedback by experimenter to the trainee was included in the study.

Islamic women's organisations on the West Bank

OpenAIRE

Kjøstvedt, Hilde

2011-01-01

Islamic organisations’ role in improving women’s position in society is often dismissed. Instead, they are believed to be devoted to charitable work and entrench patriarchal structures in line with traditional religious norms rather than challenge them. This brief nuances this picture, and describes some of the goals and activities of Islamic women’s organisations on the West Bank. In addition, the brief highlights factors that challenge the allegations that Islamic women’s organisations are ...

About Banking.

Science.gov (United States)

Pieslak, Raymond F.

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

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Georg

2015-01-01

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

Latest developments in on- and off-line inspection of bank notes during production

Science.gov (United States)

Brown, Stephen C.

2004-06-01

The inspection of bank notes is a highly labour intensive process where traditionally every note on every sheet is inspected manually. However with the advent of more and more sophisticated security features, both visible and invisible, and the requirement of cost reduction in the printing process, it is clear that automation is required. Machines for the automatic inspection of bank notes have been on the market for the past 10 to 12 years, but recent developments in technology have enabled a new generation of detectors and machines to be developed. This paper focuses on the latest developments in both the off-line and on-line inspection of bank notes covering not only the visible spectrum but also a new range of detectors for inspection some of the more common invisible features used as covert features in today's bank notes.

Bank Insolvency Procedures and Market Discipline in European Banking

DEFF Research Database (Denmark)

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

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

Impact of Hybrid Instruction on Student Achievement in Post-Secondary Institutions: A Synthetic Review of the Literature

Science.gov (United States)

Lamport, Mark A.; Hill, Randy J.

2012-01-01

Hybrid online instruction is a cross between traditional face-to-face classroom format and online-only instruction. The premise behind hybrid instruction is that it provides the benefits of personal interaction with the convenience and flexibility of online assignments and discussions. While there has been significant research on how students…

RASIONALITAS KONVERSI BANK KONVENSIONAL KE BANK SYARI’AH

Directory of Open Access Journals (Sweden)

Aji Damanuri

2016-02-01

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

Islamic banks and profitability: an empirical analysis of Indonesian banking

OpenAIRE

Jordan, Sarah

2013-01-01

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

Short-Term Effects of Traditional and Alternative Community Interventions to Address Food Insecurity.

Directory of Open Access Journals (Sweden)

Federico Roncarolo

Full Text Available Despite the effects of food insecurity on health are well documented, clear governmental policies to face food insecurity do not exist in western countries. In Canada, interventions to face food insecurity are developed at the community level and can be categorized into two basic strategies: those providing an immediate response to the need for food, defined "traditional" and those targeting the improvement of participants' social cohesion, capabilities and management of their own nutrition, defined "alternative".The objective of this study was to evaluate the effects of food insecurity interventions on food security status and perceived health of participants.This was a longitudinal multilevel study implemented in Montreal, Quebec, Canada. Participants were recruited in a two-stage cluster sampling frame. Clustering units were community organizations working on food insecurity; units of analysis were participants in community food security interventions. A total of 450 participants were interviewed at the beginning and after 9 months of participation in traditional or alternative food security interventions. Food security and perceived health were investigated as dependent variables. Differences overtime were assessed through multilevel regression models.Participants in traditional interventions lowered their food insecurity at follow-up. Decreases among participants in alternative interventions were not statistically significant. Participants in traditional interventions also improved physical (B coefficient 3.00, CI 95% 0.42-5.59 and mental health (B coefficient 6.25, CI 95% 4.15-8.35.Our results challenge the widely held view suggesting the ineffectiveness of traditional interventions in the short term. Although effects may be intervention-dependent, food banks decreased food insecurity and, in so doing, positively affected perceived health. Although study findings demonstrate that food banks offer short term reprise from the effects of food

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

Science.gov (United States)

2013-06-21

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

Bank Resolution in the European Banking Union

DEFF Research Database (Denmark)

Gordon, Jeffrey N.; Ringe, Wolf-Georg

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

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

OpenAIRE

Masami Imai; Peter Hull

2012-01-01

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

The Impact of Collegial Instruction on Peers’ Pedagogical Knowledge (PK: An EFL Case Study

Directory of Open Access Journals (Sweden)

Farnaz Latif

2010-05-01

Full Text Available Shared responsibilities such as mentoring, instruction, learner monitoring and classroom management enable the peers to observe, review, reflect on and learn from the overall practical professional expertise of one another through collegial instruction experience. The present exploratory case study has The present exploratory case study has attempted to study collegial teaching as an innovative instruction model (as an alternative to solo-based instruction models in a General Business English course in SAPco (An automotive part supplier in Iran. To this end, the researcher has mainly tried to concentrate  on two expert business English teachers' perceptions concerning their experience of collegial teaching for business English courses, observing their reflections before and after the course, to focus on the possible impacts of this type of instruction on their pedagogical knowledge as language teacher. As a result, as it is indicated in overall reflections of the participant colleagues, collegial instruction is believed to lead toward a more efficient transferability and development of teachers' pedagogical knowledge than what can take place as a result of individually run traditional practices. Moreover, this type of instruction can be a rather cost-effective and timesaving alternative to traditional OJT (on the job training courses for teacher development authorities and curriculum developers who are concerned about and willing to promote professional development of their teachers.

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

Directory of Open Access Journals (Sweden)

Markova O.M.

2017-04-01

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

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

Science.gov (United States)

2013-01-03

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

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

Science.gov (United States)

2012-10-05

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

Comparing the Effectiveness of Peer Instruction to Individual Learning during a Chromatography Course

Science.gov (United States)

Morice, J.; Michinov, N.; Delaval, M.; Sideridou, A.; Ferrières, V.

2015-01-01

Peer instruction has been recognized as an instructional method having a positive impact on learning compared to traditional lectures in science. This method has been widely supported by the socio-constructivist approach to learning giving a positive role to interaction between peers in the construction of knowledge. As far as we know, no study…

Creation of Nepal's First Skin Bank: Challenges and Outcomes.

Science.gov (United States)

Cai, Lawrence; Long, Chao; Karki, Bishal; Nakarmi, Kiran; Iqbal, Adnan; Casertano, Michele; Anderson, Sara; Patell, James; Chang, James; Rai, Shankar Man

2017-11-01

In Nepal, burn trauma causes more than 55,000 injuries each year. Burn-related mortality is high in Nepal, in part due to lack of allograft, leading to high infection rates. To address this challenge, our collaboration between Kirtipur Hospital, America Nepal Medical Foundation, Stanford University, and ReSurge International established Nepal's first skin bank. We identified 3 major tasks to create a sustainable skin banking program: 1) identify and acquire the equipment and personnel needed to collect, process, store, and graft cadaveric skin for burn injuries; 2) develop safe donation protocols and documentation tools that remain feasible for low-resource settings; and 3) develop a long-term awareness program to educate the Nepali people on skin donation, a previously foreign concept. Kirtipur Hospital acquired the necessary equipment and materials for the skin bank through a combination of local and international fundraising efforts. Existing U.S. skin banking protocols were adapted for the Nepali setting and piloted on potential patients, donors, and physicians. For the first time in the hospital's history, patients with > 40% total body surface area burns were successfully treated with extensive allografts. It is feasible to create a skin bank in a country with no tradition of allograft skin use. Long-term sustainability now depends on spreading awareness and education in the Kathmandu Valley to overcome religious and cultural barriers that have hindered donor recruitment. Our low-cost and high-impact skin bank provides a model to expand this system to other hospitals both within Nepal and beyond.

Interactive video instruction - Establishing a positive alternative

International Nuclear Information System (INIS)

Schillinger, F.J.; McCulloch, B.P.

1991-01-01

This paper discusses The New York Power Authority's (NYPA's) efforts to establish and implement a viable interactive video instruction program to provide an alternative to traditional instructor-led classroom training. The NYPA training department was looking for alternative methods of providing adequate training for a new apprenticeship program being developed for its nonnuclear plant employees. They were also looking for another way to provide cost-effective basic computer training for an ever-increasing number of company computer users. Interactive video instruction was selected because it offered an interesting and fresh approach to self-paced learning. The paper describes problems associated with startup, implementation, and administration, benefits expected, and obtaining college accreditation

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

Science.gov (United States)

2012-08-22

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

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

Science.gov (United States)

2013-07-22

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

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

Science.gov (United States)

2013-06-28

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

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

Science.gov (United States)

2012-09-06

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

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

Science.gov (United States)

2013-06-12

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

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

Science.gov (United States)

2013-08-13

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

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

Science.gov (United States)

2012-11-15

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

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

Science.gov (United States)

2013-03-01

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

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

Science.gov (United States)

2012-09-19

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

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

Science.gov (United States)

2013-10-03

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

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

Science.gov (United States)

2012-01-27

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

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

Science.gov (United States)

2012-11-05

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

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

Science.gov (United States)

2013-07-12

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

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

Science.gov (United States)

2012-06-21

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

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

Science.gov (United States)

2013-08-21

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

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

Science.gov (United States)

2012-05-29

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

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

Science.gov (United States)

2012-02-16

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

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

Science.gov (United States)

2013-10-15

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

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

Science.gov (United States)

2013-04-29

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

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

Science.gov (United States)

2013-12-19

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

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

Science.gov (United States)

2012-10-04

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

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

Science.gov (United States)

2012-03-22

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

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

Science.gov (United States)

2013-08-29

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

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

Science.gov (United States)

2013-07-29

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

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

Science.gov (United States)

2012-12-07

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

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

Science.gov (United States)

2012-01-17

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

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

Science.gov (United States)

2012-10-23

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

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

Science.gov (United States)

2012-06-11

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

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

Science.gov (United States)

2012-09-20

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

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

Science.gov (United States)

2012-06-06

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

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

Science.gov (United States)

2012-07-26

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

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

Science.gov (United States)

2013-07-02

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

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

Science.gov (United States)

2013-04-26

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

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

Science.gov (United States)

2012-12-06

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

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

Science.gov (United States)

2013-01-02

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

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

Science.gov (United States)

2013-05-10

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

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

Science.gov (United States)

2012-10-16

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

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

Science.gov (United States)

2012-04-02

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

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

Science.gov (United States)

2013-12-17

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

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

Science.gov (United States)

2013-08-15

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

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

Science.gov (United States)

2013-01-16

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

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

Science.gov (United States)

2012-05-10

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

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

Science.gov (United States)

2012-07-02

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

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

Science.gov (United States)

2013-01-17

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

Is Instructional Technology All Worthwhile? I'm Retiring in the Next Decade.

Science.gov (United States)

Balajthy, Ernest

This paper surveys issues that draw together instructional technology (IT) with the goals of the traditional classroom curriculum. Ways that IT serves to further the traditional educational goals of developing lifelong learners who function with skills, knowledge, and wisdom are examined, as well as the potentials and challenges of IT. The first…

Cross-Border Banking

OpenAIRE

Jonathan Eaton

1994-01-01

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

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

Directory of Open Access Journals (Sweden)

Rudy Haryanto Rudy Haryanto

2012-07-01

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

A comparison of two methods of teaching. Computer managed instruction and keypad questions versus traditional classroom lecture.

Science.gov (United States)

Halloran, L

1995-01-01

Computers increasingly are being integrated into nursing education. One method of integration is through computer managed instruction (CMI). Recently, technology has become available that allows the integration of keypad questions into CMI. This brings a new type of interactivity between students and teachers into the classroom. The purpose of this study was to evaluate differences in achievement between a control group taught by traditional classroom lecture (TCL) and an experimental group taught using CMI and keypad questions. Both control and experimental groups consisted of convenience samples of junior nursing students in a baccalaureate program taking a medical/surgical nursing course. Achievement was measured by three instructor-developed multiple choice examinations. Findings demonstrated that although the experimental group demonstrated increasingly higher test scores as the semester progressed, no statistical difference was found in achievement between the two groups. One reason for this may be phenomenon of vampire video. Initially, the method of presentation overshadowed the content. As students became desensitized to the method, they were able to focus and absorb more content. This study suggests that CMI and keypads are a viable teaching option for nursing education. It is equal to TCL in student achievement and provides a new level of interaction in the classroom setting.

Technology Trust and E-Banking Adoption: The Mediating Effect of Customer Relationship Management Performance

Directory of Open Access Journals (Sweden)

Samsudin Wahab

2012-01-01

Full Text Available The electronic revolution in the Malaysian banking sector has started in the 1970's. The first visible form of electronic innovation in the Malaysian banking industry was the introduction of Automated Teller Machines in 1981. Finally, on June 1, 2000, the Malaysian Central Bank gave the green light for locally owned commercial banks to offer Internet banking services. Due to the drastic changes in the business environment, it leads financial institutions to revise their marketing strategies to stress long-lasting relationships with customers. Relationships is important criteria in the selection of private bank. In many conditions, customer satisfaction mediates the relationship between antecedent’s factors and marketing performance. Hence, CRM performance is about maintaining good relationship and repurchases behavior, word-of-mouth and customer retention. Trust has been studied in traditional physical commercial environments. In the marketing and management literatures, trust is strongly associated with attitudes toward products, services, and purchasing behaviors. So that, the main objective of this research paper is to investigate the role of CRM performance as the mediator in the relationship between trust and E-Banking adoption. Hence, this empirical paper confirmed the role of customer relationship management performance as the mediators in the relationship between trust and electronic banking adoption.Key words: Trust, Customer Relationship Management Performance, E-Banking Adoption

Outsourcing central banking

DEFF Research Database (Denmark)

Khoury, Sarkis Joseph; Wihlborg, Clas

2005-01-01

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

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

Science.gov (United States)

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

2007-01-01

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

College Students' Perceptions of the Traditional Lecture Method

Science.gov (United States)

Covill, Amy E.

2011-01-01

Fifty-one college students responded to survey questions regarding their perceptions of the traditional lecture method of instruction that they received in a 200-level psychology course. At a time when many professors are being encouraged to use active learning methods instead of lectures, it is important to consider the students' perspective. Do…

The Effect of the Math Emporium Instructional Method on Students' Performance in College Algebra

Science.gov (United States)

Cousins-Cooper, Kathy; Staley, Katrina N.; Kim, Seongtae; Luke, Nicholas S.

2017-01-01

This study aims to investigate the effectiveness of the Emporium instructional method in a course of college algebra and trigonometry by comparing to the traditional lecture method. The math emporium method is a nontraditional instructional method of learning math that has been implemented at several universities with much success and has been…

Contribution of Internet Banking toward Profitability of Banking in India

Directory of Open Access Journals (Sweden)

Majid Karimzadeh

2015-12-01

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

Asynchronous vs didactic education: it's too early to throw in the towel on tradition.

Science.gov (United States)

Jordan, Jaime; Jalali, Azadeh; Clarke, Samuel; Dyne, Pamela; Spector, Tahlia; Coates, Wendy

2013-08-08

Asynchronous, computer based instruction is cost effective, allows self-directed pacing and review, and addresses preferences of millennial learners. Current research suggests there is no significant difference in learning compared to traditional classroom instruction. Data are limited for novice learners in emergency medicine. The objective of this study was to compare asynchronous, computer-based instruction with traditional didactics for senior medical students during a week-long intensive course in acute care. We hypothesized both modalities would be equivalent. This was a prospective observational quasi-experimental study of 4th year medical students who were novice learners with minimal prior exposure to curricular elements. We assessed baseline knowledge with an objective pre-test. The curriculum was delivered in either traditional lecture format (shock, acute abdomen, dyspnea, field trauma) or via asynchronous, computer-based modules (chest pain, EKG interpretation, pain management, trauma). An interactive review covering all topics was followed by a post-test. Knowledge retention was measured after 10 weeks. Pre and post-test items were written by a panel of medical educators and validated with a reference group of learners. Mean scores were analyzed using dependent t-test and attitudes were assessed by a 5-point Likert scale. 44 of 48 students completed the protocol. Students initially acquired more knowledge from didactic education as demonstrated by mean gain scores (didactic: 28.39% ± 18.06; asynchronous 9.93% ± 23.22). Mean difference between didactic and asynchronous = 18.45% with 95% CI [10.40 to 26.50]; p = 0.0001. Retention testing demonstrated similar knowledge attrition: mean gain scores -14.94% (didactic); -17.61% (asynchronous), which was not significantly different: 2.68% ± 20.85, 95% CI [-3.66 to 9.02], p = 0.399. The attitudinal survey revealed that 60.4% of students believed the asynchronous modules were educational and 95

Bank Insolvency Procedures and Market Discipline in European Banking

OpenAIRE

Angkinand, Apanard; Wihlborg, Clas

2005-01-01

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

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

Directory of Open Access Journals (Sweden)

Mohammad Nazim Uddin

2018-01-01

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

Eliminating traditional reference services in an academic health sciences library: a case study

Science.gov (United States)

Schulte, Stephanie J

2011-01-01

Question: How were traditional librarian reference desk services successfully eliminated at one health sciences library? Setting: The analysis was done at an academic health sciences library at a major research university. Method: A gap analysis was performed, evaluating changes in the first eleven months through analysis of reference transaction and instructional session data. Main Results: Substantial increases were seen in the overall number of specialized reference transactions and those conducted by librarians lasting more than thirty minutes. The number of reference transactions overall increased after implementing the new model. Several new small-scale instructional initiatives began, though perhaps not directly related to the new model. Conclusion: Traditional reference desk services were eliminated at one academic health sciences library without negative impact on reference and instructional statistics. Eliminating ties to the confines of the physical library due to staffing reference desk hours removed one significant barrier to a more proactive liaison program. PMID:22022221

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

Directory of Open Access Journals (Sweden)

Florin Alexandru LUCA

2016-06-01

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

ANALISIS KOMPARASI KINERJA KEUANGAN; BANK DEVISA DAN BANK NON DEVISA

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Nani Hartati

2017-11-01

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

GenBank

OpenAIRE

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

2006-01-01

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

Strategic positioning in banking industry: Evidence from banking industry

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Hedieh Mashoof

2014-08-01

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

CONSUMER SWITCHING BEHAVIOR FROM ONLINE BANKING TO MOBILE BANKING

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Chian-Son Yu

2014-06-01

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

12 CFR 209.2 - Banks desiring to become member banks.

Science.gov (United States)

2010-01-01

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

The Development of Teaching and Learning Innovation by Using Instructional Media for Enhancement of Learning Achievement towards Tourism Product Knowledge in Tourism Marketing Class

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Somnuek Pariwat

2014-01-01

Full Text Available This study aimed to investigate (1 analyzed perspectives of the traditional teaching and the instructional media teaching to improve the tourism product knowledge in the tourism marketing class, (2 satisfaction levels, among second-year students majoring in tourism program, towards the instructional media teaching, and (3 comparative learning achievement of the students in the class. Survey questionnaires, pretest and post-test, and instructional media were applied for data collection. Furthermore, descriptive analysis and statistics such as Average, Standard Deviation, and Paired T-Test were employed of data analysis. The findings revealed that the traditional teaching employed lesser time and it was uncomplicated when applying for a class with a large number of students and several knowledge sources. However, the students played unimportant role and felt uninterested towards the lesson if the teachers were unskillful. The traditional teaching could not meet the needs and individual differences of the students while the instructional media could better develop their learning quality and their participation in learning and cognitive processes. The students’ satisfaction towards the instructional media teaching was presented in the high level. Additionally, the students learning with instructional media performed the higher average test points than those learning with the traditional teaching.

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

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Yaser Taufik Syamlan

2017-06-01

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

CENTRAL BANKS AND FINANCIAL STABILITY - Literature review

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Adina APÃTÃCHIOAE

2013-06-01

Full Text Available Financial stability is a feature of the financial system, reflecting its ability to determine an efficient allocation of the resources and to manage financial risk by its own self-regulating mechanisms. Since the condition of financial systems changes over time, due to various shocks that components suffers, financial stability is a dynamic feature, but the system itself is constantly attempting to recover under the action of specific auto regulatory mechanisms. It is generally accepted that central banks play an important role in ensuring financial stability, there are a number of specific features that can help them achieve financial stability. Recent phenomena such as deregulation, globalization, the intensification of innovation, and so on, have supplemented the functions of central banks and at the same time, led to an intensification of links between banking and other large sectors of the financial system: insurance and financial markets.The objective of this article is to present the different views in the literature on the role of the central bank in ensuring financial stability and the new challenges that she must confront in assuming this new mandate. The role of central banks in ensuring financial stability is in the forefront and should be expanded beyond the traditional functions of stability, which determined that monetary and stability policies to converge. Moreover, due to vulnerabilities manifested by the financial markets in recent decades and that capital flows have become more intense, these vulnerabilities may spread rapidly, increasing the fragility of all markets and, for this reason, ensuring financial stability has become a key objective of public policies. Especially, since the stability of financial systems stimulates economic development and improved living standards, the competent authorities pays a particular attention to these issues

The Effect of Vocabulary on Introductory Microbiology Instruction

Science.gov (United States)

Richter, Emily

2011-01-01

This study examines the effect of the translation of traditional scientific vocabulary into plain English, a process referred to as Anglicization, on student learning in the context of introductory microbiology instruction. Data from Anglicized and Classical-vocabulary lab sections were collected. Data included exam scores as well as pre and…

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

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Jeroen Klomp

2015-12-01

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

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

Directory of Open Access Journals (Sweden)

Yen Sun

2011-11-01

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

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

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Muhammad Shakil AHMAD

2011-01-01

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

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

Directory of Open Access Journals (Sweden)

Hassan Ghodrati

2014-06-01

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

Effectiveness of Science-Technology-Society (STS) Instruction on Student Understanding of the Nature of Science and Attitudes toward Science

Science.gov (United States)

Akcay, Behiye; Akcay, Hakan

2015-01-01

The study reports on an investigation about the impact of science-technology-society (STS) instruction on middle school student understanding of the nature of science (NOS) and attitudes toward science compared to students taught by the same teacher using traditional textbook-oriented instruction. Eight lead teachers used STS instruction an…

Essays on banking

NARCIS (Netherlands)

Tumer-Alkan, G.

2008-01-01

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

Learning Complex Grammar in the Virtual Classroom: A Comparison of Processing Instruction, Structured Input, Computerized Visual Input Enhancement, and Traditional Instruction

Science.gov (United States)

Russell, Victoria

2012-01-01

This study investigated the effects of processing instruction (PI) and structured input (SI) on the acquisition of the subjunctive in adjectival clauses by 92 second-semester distance learners of Spanish. Computerized visual input enhancement (VIE) was combined with PI and SI in an attempt to increase the salience of the targeted grammatical form…

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

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ELENA SILVIA DINCULESCU

2010-01-01

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

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

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Pooja MALHOTRA

2009-11-01

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

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

Directory of Open Access Journals (Sweden)

Selly Maulina

2016-12-01

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

Implementational Aspects of the Contourlet Filter Bank and Application in Image Coding

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Truong T. Nguyen

2009-02-01

Full Text Available This paper analyzed the implementational aspects of the contourlet filter bank (or the pyramidal directional filter bank (PDFB, and considered its application in image coding. First, details of the binary tree-structured directional filter bank (DFB are presented, including a modification to minimize the phase delay factor and necessary steps for handling rectangular images. The PDFB is viewed as an overcomplete filter bank, and the directional filters are expressed in terms of polyphase components of the pyramidal filter bank and the conventional DFB. The aliasing effect of the conventional DFB and the Laplacian pyramid to the directional filters is then considered, and the conditions for reducing this effect are presented. The new filters obtained by redesigning the PDFBs satisfying these requirements have much better frequency responses. A hybrid multiscale filter bank consisting of the PDFB at higher scales and the traditional maximally decimated wavelet filter bank at lower scales is constructed to provide a sparse image representation. A novel embedded image coding system based on the image decomposition and a morphological dilation algorithm is then presented. The coding algorithm efficiently clusters the significant coefficients using progressive morphological operations. Context models for arithmetic coding are designed to exploit the intraband dependency and the correlation existing among the neighboring directional subbands. Experimental results show that the proposed coding algorithm outperforms the current state-of-the-art wavelet-based coders, such as JPEG2000, for images with directional features.

E-Banking: Risk Management Practices of the Estonian Banks

OpenAIRE

Dmitri Sokolov

2007-01-01

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

Intelligent Computer-Assisted Instruction: A Review and Assessment of ICAI Research and Its Potential for Education.

Science.gov (United States)

Dede, Christopher J.; And Others

The first of five sections in this report places intelligent computer-assisted instruction (ICAI) in its historical context through discussions of traditional computer-assisted instruction (CAI) linear and branching programs; TICCIT and PLATO IV, two CAI demonstration projects funded by the National Science Foundation; generative programs, the…

A comparative analysis of on-line and classroom-based instructional formats for teaching social work research

OpenAIRE

David Westhuis; Philip M. Ouellette; Corey L. Pfahler

2006-01-01

Research comparing courses taught exclusively in traditional face-to-face settings versus courses taught entirely online have shown similar levels of student satisfaction. This article reports findings from a comparative study of student achievement in research skills from classes using two different instructional formats. One group used a classroom-based instructional format and the other group used an online web-based instructional format. Findings indicate that there were no statistically ...

Islamic Microfinance Branchless Banking Model in Indonesia

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Bedjo Santoso

2017-01-01

Full Text Available ICT has been recently developed into a digital sustainable collaborative networking (DCN platform, and it is expected to be capable of demonstrating the building of social and economic welfare, particularly in crafting innovations to facilitate marginal society.This research attempts to develop an innovative platform of an empirical ICT application a branchless banking form based on ICT Model. The application of Branchless banking model is expected to address the poverty problem which is significantly high in Indonesia. Indonesia is known for it’s heterogeneous values in terms of its areas, ethics, traditions, customs, communities, and local wisdom. The newly introduced application of a mobile payment system is parallel to the vision, and mission upheld by the government. Currently, most literature and practices are just partial. The community model based on Islamic microfinance and Cooperatives is neglected. Therefore, this research aims to design branchless banking in terms of financial inclusion involving Islamic microfinance and Cooperatives. Furthermore, this paper also attempts to test to what extent the proposed model is viable in the current system. This study employs a qualitative approach by conducting an interview with the stakeholders and a deductive method is used to explore and design the proposed model. The finding exhibit that branchless banking based on an Islamic microfinance and a Cooperative model is more flexible and easily acceptable while crafting a deal with Indonesian. In addition, the proposed model is viable in the current system. By implementing this model, the economy can be strengthened toward national unity and a welfare state.

Bank Ethics:An Empirical Investigation of the Banking in China

Institute of Scientific and Technical Information of China (English)

刘春红; 宋玮

2004-01-01

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

The Effects of the Flipped Model of Instruction on Student Engagement and Performance in the Secondary Mathematics Classroom

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Kevin R. Clark

2015-01-01

Full Text Available In many of the secondary classrooms across the country, students are passively engaged in the mathematics content, and academic performance can be described, at best, as mediocre. This research study sought to bring about improvements in student engagement and performance in the secondary mathematics classroom through the implementation of the flipped model of instruction and compared student interaction in the flipped classroom with a traditional format. The flipped model of instruction is a relatively new teaching strategy attempting to improve student engagement and performance by moving the lecture outside the classroom via technology and moving homework and exercises with concepts inside the classroom via learning activities. Changes in the student participants’ perceptions and attitudes were evidenced and evaluated through the completion of a pre- and post-survey, a teacher-created unit test, random interviews, and a focus group session. In addition, the researcher documented observations, experiences, thoughts, and insights regarding the intervention in a journal on a daily basis. Quantitative results and qualitative findings revealed the student participants responded favorably to the flipped model of instruction and experienced an increase in their engagement and communication when compared to the traditional classroom experience. The student participants also recognized improvements in the quality of instruction and use of class of time with the flipped model of instruction. In terms of academic performance, no significant changes were demonstrated between the flipped model of instruction students and those taught in a traditional classroom environment.

Dividend Payout Policy of Conventional Banking and Islamic Banking in Pakistan

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Farhan Ahmed

2018-01-01

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

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

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Dr. Irwan Ch

2017-06-01

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

Computer-Assisted Instruction Case Study: The Introductory Marketing Course.

Science.gov (United States)

Skinner, Steven J.; Grimm, Jim L.

1979-01-01

Briefly reviews research on the effectiveness of CAI in instruction, and describes a study comparing the performance of students using one program for basic marketing--TRMP (Tutorial Review of Marketing Principles)--with or without a study guide, the study guide alone, and a traditional class. (BBM)

Asynchronous vs didactic education: it’s too early to throw in the towel on tradition

Science.gov (United States)

2013-01-01

Background Asynchronous, computer based instruction is cost effective, allows self-directed pacing and review, and addresses preferences of millennial learners. Current research suggests there is no significant difference in learning compared to traditional classroom instruction. Data are limited for novice learners in emergency medicine. The objective of this study was to compare asynchronous, computer-based instruction with traditional didactics for senior medical students during a week-long intensive course in acute care. We hypothesized both modalities would be equivalent. Methods This was a prospective observational quasi-experimental study of 4th year medical students who were novice learners with minimal prior exposure to curricular elements. We assessed baseline knowledge with an objective pre-test. The curriculum was delivered in either traditional lecture format (shock, acute abdomen, dyspnea, field trauma) or via asynchronous, computer-based modules (chest pain, EKG interpretation, pain management, trauma). An interactive review covering all topics was followed by a post-test. Knowledge retention was measured after 10 weeks. Pre and post-test items were written by a panel of medical educators and validated with a reference group of learners. Mean scores were analyzed using dependent t-test and attitudes were assessed by a 5-point Likert scale. Results 44 of 48 students completed the protocol. Students initially acquired more knowledge from didactic education as demonstrated by mean gain scores (didactic: 28.39% ± 18.06; asynchronous 9.93% ± 23.22). Mean difference between didactic and asynchronous = 18.45% with 95% CI [10.40 to 26.50]; p = 0.0001. Retention testing demonstrated similar knowledge attrition: mean gain scores −14.94% (didactic); -17.61% (asynchronous), which was not significantly different: 2.68% ± 20.85, 95% CI [−3.66 to 9.02], p = 0.399. The attitudinal survey revealed that 60.4% of students believed the asynchronous

Evolution of central banking? De Nederlandsche Bank 1814-1852

NARCIS (Netherlands)

Uittenbogaard, R.A.

2014-01-01

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

Negative Interest Rates: Central Banks Initiated an Experiment

OpenAIRE

Aleksey N. Burenin

2016-01-01

Negative interest rates appeared as a consequence of economic problems that countries with market economy came across after the crises of2007-2008. The attempts of monetary authorities to stimulate economies with the help of quantitative easing didn't bring the desired result. That's why the central banks once again resorted to a traditional tool of their monetary policy of changing interest rates. But this time they launched an experiment, they used negative interest rates. The European Cent...

Bank Stability and Competition: Evidence from Albanian Banking Market

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Gerti SHIJAKU

2017-05-01

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

Measuring everyday functional competence using the Rasch assessment of everyday activity limitations (REAL) item bank

NARCIS (Netherlands)

Oude Voshaar, Martijn A.H.; Ten Klooster, Peter M.; Vonkeman, Harald E.; van de Laar, Mart A.F.J.

2017-01-01

Objective: Traditional patient-reported physical function instruments often poorly differentiate patients with mild-to-moderate disability. We describe the development and psychometric evaluation of a generic item bank for measuring everyday activity limitations in outpatient populations. Study

Banking Models Under the Impact of the Post-Crisis Organizational Changes Apt to Confer Sustainable Financial Stability - Romanian Experience

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Claudia Gabriela Baicu

2012-06-01

Full Text Available The global financial crisis led to substantial changes in the operating environment of banks. Reforming the regulatory framework of financial and banking activity and the increase role of state in banking systems in many countries are important factors that involve major changes in the organizing of banking activity, the strategies adopted, the business models practiced, etc. Based on these considerations, the paper examines trends in banking models after the 2007 crisis. The analysis of the banking models is performed from the perspective of the deep organizational changes that affected the banking environment and sustainable financial stability. The study focuses on the analysis of the banking sustenability and the business model in the Romanian banking system, in the context of the post-crisis organizational changes. The profound interdependence of the Romanian banking system with the banking systems of the European countries and the international tendencies in financial regulation are important factors that influence the business models of the Romanian banks. The banking model practiced in Romania continues to be the traditional one. Currently, the most important challenges of the Romanian banking system are the growth of the non-performing loans, the loans in foreign currency to unhedged borrowers, the pressure to meet the Basel III requirements, as well as the possibility that the exposure of foreign banks towards Romania to decrease.

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

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Anamika Singh

2016-06-01

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

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

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Mansor H. Ibrahim

2017-02-01

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

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

OpenAIRE

Haryono, Carissa Amelia

2016-01-01

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

Comparison of Internet versus lecture instructional methods for teaching nursing research.

Science.gov (United States)

Woo, M A; Kimmick, J V

2000-01-01

Although many higher education programs are using the Internet to teach classes, there are few published reports on the effectiveness of this method on test scores or student satisfaction. The purpose of this study was to compare test and student satisfaction scores of graduate nursing students who take a nursing research course via the Internet with those of students who take the same course via traditional lecture instruction. In addition, student technical support use and Internet student lecture attendance also were examined. A total of 97 students (Internet, 44; lectures, 53) participated. There were no significant differences in test scores and overall course student satisfaction (P > .05). However, the Internet students reported significantly higher (P = .04) stimulation of learning compared with the traditional lecture students. Technical support use by the Internet students was high initially and was related to software problems. Of interest were the large proportion of Internet students (73 percent) who attended at least 3 of the 10 lectures. Use of the Internet to teach graduate-level nursing research can provide comparable learning and student satisfaction to traditional lecture instructional methods.

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

Science.gov (United States)

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

2012-01-01

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

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

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Nsiah K. Acheampong

2013-12-01

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

Screen-Capture Instructional Technology: A Cognitive Tool for Blended Learning

Science.gov (United States)

Smith, Jeffrey George

2012-01-01

Little empirical investigation has been conducted on high school students and teachers using online instructional multimedia developed entirely from the classroom teacher's traditional live-lecture format. This study investigated academic achievement, engagement, preference, and curriculum development using screen-capture instructional…

An empirical study for measuring the success index of banking industry

Directory of Open Access Journals (Sweden)

Mohsen Mardani

2012-08-01

Full Text Available Measuring organization performance plays an important role for developing better strategic plans. In today's competitive environment, organizations attempt for the product quality or offering the service, delivery, reliability capability and the customer satisfaction. These properties are not measurable only by traditional financial criteria and we need a method, which could consider non-financial factors as well. The present study of this paper proposed a hybrid of balanced score card (BSC and data envelopment analysis (DEA method for an empirical study of banking sector. The study proposes a model for assessing the Tose`eTa`avon bank performance, which is an example of governmental credit and financial services institutes. The study determines different important factors associated with each four components of BSC and uses analytical hierarchy process to rank the measures. In each part of BSC implementation, we use DEA for ranking different units of bank and efficient and inefficient units are determined.

Analysis of multiple instructional techniques on the understanding and retention of select mechanical topics

Science.gov (United States)

Fetsco, Sara Elizabeth

There are several topics that introductory physics students typically have difficulty understanding. The purpose of this thesis is to investigate if multiple instructional techniques will help students to better understand and retain the material. The three units analyzed in this study are graphing motion, projectile motion, and conservation of momentum. For each unit students were taught using new or altered instructional methods including online laboratory simulations, inquiry labs, and interactive demonstrations. Additionally, traditional instructional methods such as lecture and problem sets were retained. Effectiveness was measured through pre- and post-tests and student opinion surveys. Results suggest that incorporating multiple instructional techniques into teaching will improve student understanding and retention. Students stated that they learned well from all of the instructional methods used except the online simulations.

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

African Journals Online (AJOL)

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

Bank Control and the Number of Bank Relations of Japanese Firms

NARCIS (Netherlands)

Sterken, Elmer; Ogawa, Kazuo; Tokutsu, Ichiro

2005-01-01

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

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

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Rossazana Ab-Rahim

2017-08-01

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

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

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Shijaku Gerti

2017-09-01

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

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

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Sarwar Uddin Ahmed

2014-11-01

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

BLC Bank - Lebanon : Leading in Banking on Women

OpenAIRE

International Finance Corporation

2016-01-01

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

Using Technology and Assessment to Personalize Instruction: Preventing Reading Problems.

Science.gov (United States)

Connor, Carol McDonald

2017-09-15

Children who fail to learn to read proficiently are at serious risk of referral to special education, grade retention, dropping out of high school, and entering the juvenile justice system. Accumulating research suggests that instruction regimes that rely on assessment to inform instruction are effective in improving the implementation of personalized instruction and, in turn, student learning. However, teachers find it difficult to interpret assessment results in a way that optimizes learning opportunities for all of the students in their classrooms. This article focuses on the use of language, decoding, and comprehension assessments to develop personalized plans of literacy instruction for students from kindergarten through third grade, and A2i technology designed to support teachers' use of assessment to guide instruction. Results of seven randomized controlled trials demonstrate that personalized literacy instruction is more effective than traditional instruction, and that sustained implementation of personalized literacy instruction first through third grade may prevent the development of serious reading problems. We found effect sizes from .2 to .4 per school year, which translates into about a 2-month advantage. These effects accumulated from first through third grade with a large effect size (d = .7) equivalent to a full grade-equivalent advantage on standardize tests of literacy. These results demonstrate the efficacy of technology-supported personalized data-driven literacy instruction to prevent serious reading difficulties. Implications for translational prevention research in education and healthcare are discussed.

COMPARISON OF STUDENT SATISFACTION BETWEEN TRADITIONAL AND BLENDED TECHNOLOGY COURSE OFFERINGS IN PHYSICAL EDUCATION

Directory of Open Access Journals (Sweden)

Nikolaos VERNADAKIS

2012-01-01

Full Text Available Blended learning With the concerns and dissatisfaction with e-learning, educators are searching for alternative instructional delivery solutions to relieve the above problems. The blended e-learning system has been presented as a promising alternative learning approach. While blended learning has been recognized as having a number of advantages, insufficient learning satisfaction is still an obstacle to its successful adoption. Therefore, the purpose of this study was to evaluate students’ satisfaction with blended learning course delivery compared to a traditional face-to-face class format in a general multimedia course in physical education. Forty six (n=46 undergraduate students, between the ages of 20-22 years old, were randomly assigned into two teaching method groups: Classroom Lecture Instruction (CLI and Blended Lecture Instruction (BLI. For the data collection at the end of this study, students completed an online satisfaction questionnaire.Independent sample t-test analysis was conducted to measure students’ satisfaction towards the CLI and BLI methods. Results indicated that a blended course delivery is preferred over the traditional lecture format. These finding suggest that students' satisfaction could increase when the instructor provides learning environments not only in a traditional classroom, but in an asynchronous online system as well.

電腦輔助教學與個別教學結合: 電腦輔助教學課堂應用初探 Computer-Assisted Instruction Under the Management of Individualized Instruction: A Classroom Management Approach of CAI

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Sunny S. J. Lin

1988-03-01

Full Text Available 無First reviews the development of Computer. Assisted Instruction (CAI in Taiwan. This study describes the training of teachers from different levels of schools to design CAI coursewares, and the planning of CAI courseware bank possesses 2,000 supplemental coursewares. Some CAI's c1assroom application system should be carefully established to prevent the easy abuse of a CAI courseware as an instructional plan. The study also claims to steer CAI in our elemantary and secondary education could rely on the mastery learning as the instructional plan. In this case, CAI must limit its role as the formative test and remedial material only. In the higher education , the Keller's Personalized System of Instruction could be an effective c1assroom management system. Therefore, CAI will offer study guide and formative test only. Using these 2 instructional system may enhance student's achievement , and speed up the learning rate at the same time. Combining with individualized instruction and CAI will be one of the most workable approach in current c1assroom . The author sets up an experiment 10 varify their effectiveness and efficiency in the near future.

Banking governance: New Approaches

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Victor Mihăiţă Duţă

2016-11-01

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

BANKING WITHOUT INTEREST

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Jana Ilieva

2017-06-01

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

Barriers to the use of research-based instructional strategies: The influence of both individual and situational characteristics

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Charles Henderson

2007-09-01

Full Text Available Many proven research-based instructional strategies have been developed for introductory college-level physics. Significant efforts to disseminate these strategies have focused on convincing individual instructors to give up their traditional practices in favor of particular research-based practices. Yet evidence suggests that the findings of educational research are, at best, only marginally incorporated into typical introductory physics courses. In this paper we present partial results of an interview study designed to generate new ideas about why proven strategies are slow to integrate in mainstream instruction. Specifically we describe the results of open-ended interviews with five physics instructors who represent likely users of educational research. We found that these instructors have conceptions about teaching and learning that are more compatible with educational research than with their self-described instructional practices. Instructors often blamed this discrepancy on situational factors that favor traditional instruction. A theoretical model is introduced to explain these findings.

Active Learning versus Traditional Teaching

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L.A. Azzalis

2009-05-01

Full Text Available In traditional teaching most of the class time is spent with the professor lecturing and the students watching and listening. The students work individually, and cooperation is discouraged. On the other hand,  active learning  changes the focus of activity from the teacher to the learners, in which students solve problems, answer questions, formulate questions of their own, discuss, explain, debate during class;  moreover, students work in teams on problems and projects under conditions that assure positive interdependence and individual accountability. Although student-centered methods have repeatedly been shown to be superior to the traditional teacher-centered approach to instruction, the literature regarding the efficacy of various teaching methods is inconclusive. The purpose of this study was to compare the student perceptions of course and instructor effectiveness, course difficulty, and amount learned between the active learning and lecture sections  in Health Sciences´ courses by statistical data from Anhembi Morumbi University. Results indicated significant  difference between active  learning and traditional  teaching. Our conclusions were that strategies promoting  active  learning to  traditional lectures could increase knowledge and understanding.

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

OpenAIRE

Самородов, Б. В.

2014-01-01

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

Ideology and Critical Self-Reflection in Information Literacy Instruction

Science.gov (United States)

Critten, Jessica

2015-01-01

Information literacy instruction traditionally focuses on evaluating a source for bias, relevance, and timeliness, and rightfully so; this critical perspective is vital to a well-formed research process. However, this process is incomplete without a similar focus on the potential biases that the student brings to his or her interactions with…

New Instruments In Corporate Governance Of EU Bank Groups

OpenAIRE

Nedelchev, Miroslav

2013-01-01

The corporate governance practices of EU bank group were based on the principle of self-regulation. The negative effects of adoptation of the principle were on stakeholders account – deposit insurance funds, government loans, depositors, and taxpayers. The international financial crisis gives reasons for new institutional framework. The taken measures on pan-European level defined new role for traditional actors in which key actors are shareholders and regulators. The new instruments in m...

NEW INSTRUMENTS IN CORPORATE GOVERNANCE OF EU BANK GROUPS

OpenAIRE

Nedelchev, Miroslav

2013-01-01

The corporate governance practices of EU bank group were based on the principle of self-regulation. The negative effects of adoptation of the principle were on stakeholders account – deposit insurance funds, government loans, depositors, and taxpayers. The international financial crisis gives reasons for new institutional framework. The taken measures on pan-European level defined new role for traditional actors in which key actors are shareholders and regulators. The newn instruments in mode...

Negative Interest Rates: Central Banks Initiated an Experiment

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Aleksey N. Burenin

2016-01-01

Full Text Available Negative interest rates appeared as a consequence of economic problems that countries with market economy came across after the crises of2007-2008. The attempts of monetary authorities to stimulate economies with the help of quantitative easing didn't bring the desired result. That's why the central banks once again resorted to a traditional tool of their monetary policy of changing interest rates. But this time they launched an experiment, they used negative interest rates. The European Central Bank, the Swedish Riksbank, the Bank of Japan, and the National Bank of Hungary introduced negative rates in order to stimulate economic growth and fight the threat of deflation, the Danish National Bank and the Swiss National Bank tried to deter appreciation of their currencies. Negative rates of the central banks brought about negative yields of government and nongovernment securities in several countries. The problem acquires an aggravated form due to the fact that negative rates appeared in several European countries simultaneously at the moment when global financial markets were not in crises. Some questions arise concerning the negative rates, for example, how low can central banks bring down the rates in the future, what is their influence on the stock markets, what is the reaction of depositors to the introduction of negative deposit rates by commercial banks, must one consider a negative rate as a rate of interest or payment to store money of the depositor, in which circumstances negative rates can be justified to fight deflation. The last question plays an important role, because recent studies find that positive economic growth is possible during deflation. If central banks don't take this nuance into consideration, they can create economic imbalances by increasing liquidity. Negative rates are not as inoffensive as it may seem at first glance. Not far ago an investor, who tried to averse risk, was buying government securities. Their yields

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

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Sundas Rauf

2013-12-01

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

Effects of Video Game-Based Instruction on Writing Achievement and Motivation in Postsecondary Accelerated Degree Programs

Science.gov (United States)

Lee, Michael C.

2017-01-01

The purpose of this quantitative experimental posttest-only control group research study was to determine the degree to which differences exist in outcomes between students using a video game-based instruction and students using a traditional non-video game-based instruction in accelerated degree program courses at a 4-year university in Illinois…

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

NARCIS (Netherlands)

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

2010-01-01

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

Small finance banks: Challenges

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Jayadev M

2017-12-01

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

Analisis Perbandingan Kinerja pada Bank Nasional dan Bank Asing dengan Menggunakan Analisis Rasio Keuangan

OpenAIRE

Angel, Christania Graciella; Pusung, Rudy

2014-01-01

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

The impact of image test bank construction on radiographic interpretation outcomes: A comparison study

International Nuclear Information System (INIS)

Hardy, M.; Flintham, K.; Snaith, B.; Lewis, E.F.

2016-01-01

�� Clinical workload test banks can be applied across specialities and modalities. • The model presented complements the traditional model for educational assessment.

Pengelolaan Likuiditas Bank Syariah

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Nurul Ichsan

2014-01-01

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

12 CFR 583.3 - Bank.

Science.gov (United States)

2010-01-01

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

An impoverished machine: challenges to human learning and instructional technology.

Science.gov (United States)

Taraban, Roman

2008-08-01

Many of the limitations to human learning and processing identified by cognitive psychologists over the last 50 years still hold true, including computational constraints, low learning rates, and unreliable processing. Instructional technology can be used in classrooms and in other learning contexts to address these limitations to learning. However, creating technological innovations is not enough. As part of psychological science, the development and assessment of instructional systems should be guided by theories and practices within the discipline. The technology we develop should become an object of research like other phenomena that are studied. In the present article, I present an informal account of my own work in assessing instructional technology for engineering thermodynamics to show not only the benefits, but also the limitations, in studying the technology we create. I conclude by considering several ways of advancing the development of instructional technology within the SCiP community, including interdisciplinary research and envisioning learning contexts that differ radically from traditional learning focused on lectures and testing.

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

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Rohmawati Kusumaningtias

2009-10-01

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

Framing a Bank

DEFF Research Database (Denmark)

Holmgreen, Lise-Lotte

2012-01-01

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

GenBank

OpenAIRE

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

2012-01-01

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

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

OpenAIRE

Prawitasari, Larasati; Hudrasyah, Herry

2012-01-01

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

Perlindungan Hukum Terhadap Nasabah Bank Pengguna Internet Banking Dari Ancaman Cybercrime

OpenAIRE

Astrini, Dwi Ayu

2015-01-01

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

ROMANIAN BANKS LIQUIDITY MANAGEMENT

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BATRANCEA MARIA

2013-07-01

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

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

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Jayati Sarkar

2018-02-01

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

Flipped Instruction in a High School Science Classroom

Science.gov (United States)

Leo, Jonathan; Puzio, Kelly

2016-10-01

This paper reports on a quasi-experimental study examining the effectiveness of flipped instruction in a 9th grade biology classroom. This study included four sections of freshmen-level biology taught by the first author at a private secondary school in the Pacific Northwest. Using a block randomized design, two sections were flipped and two remained traditional. The quiz and posttest data were adjusted for pretest differences using ANCOVA. The results suggest that flipped instruction had a positive effect student achievement, with effect sizes ranging from +0.16 to +0.44. In addition, some students reported that they preferred watching video lectures outside of class and appreciated more active approaches to learning.

Development of a Traditional/Computer-aided Graphics Course for Engineering Technology.

Science.gov (United States)

Anand, Vera B.

1985-01-01

Describes a two-semester-hour freshman course in engineering graphics which uses both traditional and computerized instruction. Includes course description, computer graphics topics, and recommendations. Indicates that combining interactive graphics software with development of simple programs gave students a better foundation for upper-division…

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

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Alina Ligia Dumitrescu

2013-04-01

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

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

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Muhamad Abduh

2008-01-01

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

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

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Gatot Nazir Ahmad

2014-04-01

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