Factors Affecting Mobile Banking Adoption in the United States

Science.gov (United States)

Engwanda, Michel Ndongola

2014-01-01

Mobile banking (m-banking) allows consumers to conduct financial transactions without temporal and spatial constraints through Internet-enabled mobile devices such as smartphones. The adoption patterns are of particular research interest because m-banking penetration has been relatively low even though smartphones are the most dominant forms of…

Peningkatan Ketaatan Syariah Melalui Pemisahan (Spin-off Unit Usaha Syariah Bank Umum Konvensional

Directory of Open Access Journals (Sweden)

Khotibul Umam

2012-02-01

Full Text Available Pursuant to Act 21/2008, Conventional Commercial Banks with embedded Sharia Business Unit are obliged to spin-off their unit when its asset value has reached 50% of the total asset of Bank’s. This obligation attempts to separate the management of SBU from Banks, thus expecting higher rate of sharia compliance. Menurut UU 21/2008, Bank Umum Konvensional yang memiliki Unit Usaha Syariah wajib memisahkan unitnya apabila nilai aset unit tersebut telah mencapai 50% dari total aset bank induk. Kewajiban tersebut ditujukan untuk menjadikannya sebagai Bank Umum Syariah yang terpisah pengelolaannya dari Bank Umum Konvensional, sehingga diharapkan lebih taat terhadap prinsip syariah.

Expanding the Supply of Pasteurized Donor Milk: Understanding Why Peer-to-Peer Milk Sharers in the United States Do Not Donate to Milk Banks.

Science.gov (United States)

Perrin, Maryanne Tigchelaar; Goodell, L Suzanne; Fogleman, April; Pettus, Hannah; Bodenheimer, Amanda L; Palmquist, Aunchalee E L

2016-05-01

Lactating women in the United States have several options for what they do with excess breast milk, including donating to milk banks that serve medically fragile infants, sharing directly with families seeking milk, and selling to individuals or for-profit entities. The World Health Organization and the US Surgeon General have issued calls to increase access to pasteurized donor milk for medically fragile infants. To explore how lactating women with a surplus of breast milk come to the decision to share their milk with a peer rather than donate to a milk bank. A qualitative design using a grounded theory approach was employed. Semistructured telephone interviews were conducted with 27 women who had shared milk with a peer but not with a milk bank. Five dominant themes were identified: a strong belief in the value of breast milk, unexpected versus planned donation, sources of information regarding milk exchange, concerns and knowledge gaps about milk banks, and helping and connecting. This research offers insights into potential strategies for promoting milk bank donation among peer-to-peer milk sharers, including developing donor education campaigns focused on knowledge gaps regarding milk banks and developing health care professional referral programs that can reduce barriers associated with the convenience of milk bank donation. © The Author(s) 2016.

Food Banks, United States, 2015, EPA Region 9

Data.gov (United States)

U.S. Environmental Protection Agency — This GIS dataset contains point features that represent facilities that recover wasted food to feed people across theUS. Food bank information was collected in 2015...

RETAIL BANKING BUSINESS: CURRENT STATE ANDSPECIFIC FEATURES

Directory of Open Access Journals (Sweden)

Гузель Рефкадовна Фаизова

2013-04-01

Full Text Available The role and importance of the retail banking business in the banking sector continueto grow. The current state of the retail banking business is considered and specific features of this area in the face of growing demand for banking products and services by the public and interest from lending institutions are identified by the article.Purpose: Research of current state of retail banking business and detection specific features of this area.Methodology: In the process of analysis and researchof the question the methods of economical and statistical analysis, methods of comparison and generalizationwereused.Results: The conclusion is that interest in the retail banking business continues to grow.There were revealed the role and the importance of standardized service processes and standardized products and services delivering as one of the main line of development in the segment of retail business.DOI: http://dx.doi.org/10.12731/2218-7405-2013-3-2

Organizational Support for Workers' Recuperation in Nigerian Banks ...

African Journals Online (AJOL)

This paper investigates organizational support for workers' recuperation in Nigerian Banks. The study was conducted in Ilorin, the capital city of Kwara State, Nigeria. Eight commercial banks namely, United Bank for Africa, First Bank of Nigeria, Diamond Bank, Fidelity Bank, Wema Bank, First City Monument Bank and Union ...

12 CFR 303.186 - Exemptions from insurance requirements for a state branch of a foreign bank.

Science.gov (United States)

2010-01-01

... availability of credit to all sectors of the United States economy, including the international trade finance... CORPORATION PROCEDURE AND RULES OF PRACTICE FILING PROCEDURES International Banking § 303.186 Exemptions from...

STATE-OWNED, ACQUISITION OR GREENFIELD BANKS IN THE NEW EU MEMBER STATES. A POST-CRISIS ANALYSIS

Directory of Open Access Journals (Sweden)

Radu Alin Moruţan

2016-09-01

Full Text Available The political and economic changes taking place at the end of the 20th century have provided Western European banks the opportunity to enter into Central and Eastern European (CEE markets. Their entry was made either by greenfield investment or by acquisition of existing domestic banks. The motivations for the entry decision were various, e.g. managerial decisions, tightening profit margins in home markets, challengers imitation, profit-maximizations, looking for new customers in new markets, or keeping and extending relations with existing customers on the new markets where they are implanted. The expansion was amplified by the deregulation, the global capital expansion and the emergence of a single currency, throughout a period of prosperity and economic growth lasting for almost two decades (1990-2008. Until the crisis, changes in the CEE banking markets mainly concerned the increasing share of foreign capital (in market share, assets, number of branches and employees along with the diminishing importance of state-owned banks. After 2008, the process displays new features: the restructuring of banks, mergers or strategic acquisitions, reducing operations in certain countries or even exits, adjusting the number of units and employees, improving efficiency and profitability indicators etc. Domestic banks, both private and state-owned, have bridged the gap (at least in terms of efficiency separating them from the leaders, i.e. mostly the subsidiaries of large international banks. Apparently, greenfield banks are losing the importance they had in the preceding period (1990-2008. This paper aims at investigating the relation between foreign banks’ mode of entry into the emerging markets of CEE (i.e. acquisition vs greenfield and the strategies’ results on those markets, before and after the crisis. Although foreign banks have implemented common strategies at group level, often dependent on the entry mode, these strategies were influenced by

Commercial Banks and Capital Regulation in the Early 20th Century US

OpenAIRE

Gou, Michael

2017-01-01

My dissertation investigates the effect of capital requirements on commercial banks and the impact of commercial bank suspensions on the United States economy during the early 20th century. The first chapter examines the effect of capital requirements on bank stability. The early 20th century United States provides an opportunity to determine whether imposing capital requirements on commercial banks promotes banking stability in the long run. The structure of the national banking system fac...

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.

Data bank for combined hygienic studies of environmental state and population health in the region of large industrial and power plants

International Nuclear Information System (INIS)

Vorob'ev, E.I.; Lyarskij, V.A.; Minchenko, V.A.; Prusakov, V.M.; Rumyantsev, A.K.; Tatarkin, A.I.

1986-01-01

One of the variants of solution of the problem of creation of the data bank on environmental state and population health developed according to a special program is considered. The bank is a part of the created sample of automatic information system (AIS) - the main program - technical and organization mean which permit to solve complicated problems of complex hygienic investigations, realize dynamic observations, analysis and estimation, forecasting of environmental state and population health in connection with the effect of effluents of industrial and power combined plant. In the AIS structure 4 functionally completed components are singled out: data acquisition unit, data bank unit, analysis and estimation unit, simulation unit. Use of combination of control systems of data bases of information of economic systems of hierarchic type and supply line type of adaptive information system allowed one to solve the problems of accumulation and data trasmission for multidimensional statistic analysis for the solution of numerous hygienic problems

Process quality in the Trade Finance unit from the perspective of corporate banking employees

OpenAIRE

Mikkola, Henri

2013-01-01

This thesis examines the quality of the processes in the Trade Finance unit of Pohjola Bank, from the perspective of the corporate banking employees at Helsinki OP Bank. The Trade Finance unit provides methods of payment for foreign trade. Such services are intended for companies and the perspective investigated in this thesis is that of corporate banking employees. The purpose of this thesis is to define the quality of the processes and to develop solutions for difficulties discovered. The q...

76 FR 5432 - United Western Bank Denver, Colorado; Notice of Appointment of Receiver

Science.gov (United States)

2011-01-31

... DEPARTMENT OF THE TREASURY Office of Thrift Supervision United Western Bank Denver, Colorado... section 5(d)(2) of the Home Owners' Loan Act, the Office of Thrift Supervision has duly appointed the Federal Deposit Insurance Corporation as sole Receiver for United Western Bank, Denver, Colorado, (OTS No...

31 CFR 535.320 - Domestic bank.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Domestic bank. 535.320 Section 535... § 535.320 Domestic bank. (a) The term domestic bank shall mean any branch or office within the United States of any of the following which is not Iran or an Iranian entity: any bank or trust company...

31 CFR 515.320 - Domestic bank.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Domestic bank. 515.320 Section 515... § 515.320 Domestic bank. The term domestic bank shall mean any branch or office within the United States of any of the following which is not a national of a designated foreign country; any bank or trust...

31 CFR 500.320 - Domestic bank.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Domestic bank. 500.320 Section 500... § 500.320 Domestic bank. The term domestic bank shall mean any branch or office within the United States of any of the following which is not a national of any designated foreign country: Any bank or trust...

NRC/RSR Data Bank Program

International Nuclear Information System (INIS)

Bankert, S.F.; Evans, C.D.; Hardy, H.A.; Litteer, G.L.; Schulz, G.L.; Smith, N.C.

1978-01-01

The United States Nuclear Regulatory Commission (NRC) has established the NRC/Reactor Safety Research (RSR) Data Bank Program at the Idaho National Engineering Laboratory (INEL). The program provides the means of collecting, storing, and making available experimental data from the many water reactor safety research programs in the United States and other countries. The program collects qualified engineering data on a prioritized basis from experimental program data bases, stores the data in a single data bank in a common format, and makes the data available to users

78 FR 22260 - Sub-Saharan Africa Advisory Committee of the Export-Import Bank of the United States (Ex-Im Bank...

Science.gov (United States)

2013-04-15

... developments in Sub-Saharan Africa markets by Ex-Im Bank staff; an update on the Bank's on-going business... development and implementation of policies and programs designed to support the expansion of the Bank's financial commitments in Sub- Saharan Africa under the loan, guarantee, and insurance programs of the Bank...

26 CFR 1.895-1 - Income derived by a foreign central bank of issue, or by Bank for International Settlements, from...

Science.gov (United States)

2010-04-01

... 26 Internal Revenue 9 2010-04-01 2010-04-01 false Income derived by a foreign central bank of... foreign central bank of issue, or by Bank for International Settlements, from obligations of the United States or from bank deposits. (a) In general. Income derived by a foreign central bank of issue from...

Global financial crisis, ownership and bank profit efficiency in the Bangladesh's state owned and private commercial banks

OpenAIRE

Kamarudin, Fakarudin; Sufian, Fadzlan; Nassir, Annuar Md.

2016-01-01

Abstract: This paper studies the impact of global financial crisis focusing on State Owned Commercial Banks (SCBs) and Private Commercial Banks (PCBs) ownership and others bank specific and macroeconomics factors influencing profit efficiency level of the Bangladesh banking sector. The Slack-Based Data Envelopment Analysis (SBM-DEA) method employed to compute the profit efficiency of 31 commercial banks operating in the Bangladesh over the years 2004-2011. Furthermore, the multivariate panel ...

12 CFR 225.121 - Acquisition of Edge corporation affiliate by State member banks of registered bank holding company.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Acquisition of Edge corporation affiliate by... Acquisition of Edge corporation affiliate by State member banks of registered bank holding company. (a) The... of the holding company's Edge corporation subsidiary organized under section 25(a) of the Federal...

17 CFR 270.17f-5 - Custody of investment company assets outside the United States.

Science.gov (United States)

2010-04-01

...-owned direct or indirect subsidiary of a U.S. Bank or bank-holding company. (2) Foreign Assets means any investments (including foreign currencies) for which the primary market is outside the United States, and any... investments. (3) Foreign Custody Manager means a Fund's or a Registered Canadian Fund's board of directors or...

75 FR 55941 - Supplemental Standards of Ethical Conduct for Employees of the Export-Import Bank of the United...

Science.gov (United States)

2010-09-15

...] Supplemental Standards of Ethical Conduct for Employees of the Export-Import Bank of the United States AGENCY... the concurrence of the Office of Government Ethics (OGE), is issuing a final rule that supplements the Standards of Ethical Conduct for Employees of the Executive Branch (Standards). This final rule adopts prior...

The determinant of equity financing in sharia banking and sharia business units

OpenAIRE

Effendi, Jaenal

2018-01-01

Equity financing plays an important role in mobilizing financing in the real sector. The core business of sharia banking is based on the real sector, but the financing portion in sharia banking is still dominated by debt financing. This study aims to analyze the factors that affect equity financing in General Sharia Bank (BUS) and Sharia Business Unit (SBU) in Indonesia. This study uses Error Correction Model. The results show that in the long-term model of Third Party Fund (DPK), Finance to ...

The effect of financial performance on state-owned banks credit in Indonesia

Directory of Open Access Journals (Sweden)

Syamsurijal Tan

2017-06-01

Full Text Available Abstrak Penelitian ini mengkaji pengaruh kinerja keuangan terhadap kredit perbakan BUMN di Indonesia. Perbankan yang terpilih menjadi objek penelitian adalah Bank Rakyat Indonesia (BRI, Bank Nasional Indonesia (BNI, Bank Mandiri dan Ban Tabungan Negara Indonesia (BTN. Data yang digunakan adalah data panel yaitu data sekunder tahunan yang diinterpolasi dalam data per triwulan, yang bersumber dari otoritas jasa keuangan, Bank Indonesia, Bappenas, BPS dan publikasi resmi lainnya. Pengaruh variabel bebas terhadap jumlah kredit diestimasi menggunakan regresi berganda metode Random Effect Model (REM. Hasil Penelitian menunjukkan bahwa perkembangan rata-rata kinerja keuangan perbankan BUMN mengalami fluktuasi dan mengalami variasi masing-masing Bank, sedangkan hasil pengujian menggunakan data panel semi log dengan model REM menunjukkan bahwa variabel non performing loan dan loan to deposit ratio memiliki pengaruh positif dan signifikan terhadap variabel jumlah kredit perbankan  BUMN di Indonesia, sementara itu return on assets tidak berpengaruh signifikan. Kata Kunci : Dana pihak ketiga, NPL, LDR,ROA, dan Kredit Perbankan BUMN   Abstract This study examines the effect of financial performance on state-owned banks credit in Indonesia. Banks selected to be analyzed are Bank Rakyat Indonesia (BRI, Bank Nasional Indonesia (BNI, Bank Mandiri, and Bank Tabungan Negara Indonesia (BTN. Panel data used is annual secondary data interpolated into quarterly data from Financial Services Authority, Bank Indonesia, The National Development Planning Agency or BadanPerencanaan Pembangunan Nasional (Bappenas, Central Bureau of Statistics or Badan (BPS, and other official publications. The influence of independent variables to the amount of credit is estimated using multiple regression, Random Effects Model (REM. The result of the study indicates that all state-owned banks had fluctuations in financial performance growth and it is different for all banks, while the

Overview of Financial Contagion Channels in the Banking Sector of Baltic States

Directory of Open Access Journals (Sweden)

Laura Gudelytė

2014-10-01

Full Text Available AbstractThis article aims to determine and analyse the main features of channels of financial contagion in the banking sector of Baltic States. The most relevant channels seem to be the risk of common lender, the channel of real estate prices the channel of other macroeconomic shocks and the channel of volatility. This paper contributes to the further analysis of internal and external causes of financial crisis and its transmission channels in banking sector in Baltic States.Purpose To indicate and explain main problems related to the systemic risk and the channels of financial contagion in the banking sector of Baltic States.Design/methodology/approach – general overview of research papers presenting concepts and methodologies of assessment of systemic risk of the banking sector, statistical analysis of financial data.Findings determination of the main channels and extent of financial contagion that are relevant to banking sector of Baltic States.Research limitations/implications – the lack of information concerning the liquidity and asset structure of banking sector of Baltic States and the real estate prices in Baltic States. The most common problem analysing the financial contagion and systemic risk is the lack of information (especially about the structure of liabilities and assets of financial institutions, its maturity and the changing new banking regulatory conditions. Due the lack of data it is impossible to create stable and reliable statistical models describing the stochastic behaviour of financial contagion. We do not take into account the political factors concerning the reforms of financial market supervision that have also the impact on financial contagion and systemic risk ant the point of view to Baltic States of foreign investors. The findings of this article should ground the macro-prudential policy in the small countries of supervising institutions focussing on the external factors.Practical implications �

Financing agribusiness by state development banks - the case of Macedonia

Directory of Open Access Journals (Sweden)

Goran Kovachev

2013-09-01

Full Text Available In countries where agriculture has substantial role in generating domestic product, sustainable agro-finance can seriously increase economic development. It is well known that agriculture is perceived as risky to be financed by commercial banks. Therefore, creating specific agro-credit lines within state development banks is key element in enhancing agricultural activities. These state development banks, operating in close collaboration with the Government have a significant role in accelerating economic welfare of farmers and rural poor. This study tends to emphasize the importance of creating special lending products targeted towards agriculture. The focus will be put on comparison between the first pillar – direct lending to agriculture and second pillar – lending to agriculture through commercial banks showing the better viability of the later.

LIQUIDITY ANALYSIS OF STATE BANK OF INDIA

Directory of Open Access Journals (Sweden)

Kumar Gandhi R

2011-12-01

Full Text Available Modern customer has a high demand for quality of service than he/she had before. There is an urgent need for improving the customer service levels currently provided in the banking industry. Banks need to understand, foresee, the needs and expected levels of customer support which the customer expects when he/she steps into the branch and strive to stand up and excel in providing the service and making banking a truly delightful experience. The banker should change his/her agenda from Customer Satisfaction to Customer delight and then march towards Customer Ecstasy. This will be possible by maintaining the financial soundness of the firm. In this connection it has been given importance through this study. Since most of the Banking slightly deviate into the other areas like insurance, financial services and modern banking services such as Advisory services, Agent for receivables, custodian, instant loan provider, Forfeiter services and factoring services. A conscious attempt has been made to analysis the liquidity of state bank of India (SBI. The present study aimed to understand the financial soundness of the bank, the ratio analysis taken as tool. In this research work the secondary data mainly used, it has been collected in the form of the company manuals, Balance sheets and other documents. The data analyzed by some of the statistical tools such as ANOVA test and Multi variate test is used to analyze the interferences about the operating efficiency.

Regional geologic framework off northeastern United States

Science.gov (United States)

Schlee, J.; Behrendt, John C.; Grow, J.A.; Robb, James M.; Mattick, R.; Taylor, P.T.; Lawson, B.J.

1976-01-01

Six multichannel seismic-reflection profiles taken across the Atlantic continental margin Previous HitoffTop the northeastern United States show an excess of 14 km of presumed Mesozoic and younger sedimentary rocks in the Baltimore Canyon trough and 8 km in the Georges Bank basin. Beneath the continental rise, the sedimentary prism thickness exceeds 7 km south of New Jersey and Maryland, and it is 4.5 km thick south of Georges Bank. Stratigraphically, the continental slope--outer edge of the continental shelf is a transition zone of high-velocity sedimentary rock, probably carbonate, that covers deeply subsided basement. Acoustically, the sedimentary sequence beneath the shelf is divided into three units which are correlated speculatively with the Cenozoic, the Cretaceous, and the Jurassic-Triassic sections. These units thicken offshore, and some have increased seismic velocities farther offshore. The uppermost unit thickens from a fraction of a kilometer to slightly more than a kilometer in a seaward direction, and velocity values range from 1.7 to 2.2 km/sec. The middle unit thickens from a fraction of a kilometer to as much as 5 km (northern Baltimore Canyon trough), and seismic velocity ranges from 2.2 to 5.4 km/sec. The lowest unit thickens to a maximum of 9 km (northern Baltimore Canyon), and velocities span the 3.9 to 5.9-km/sec interval. The spatial separation of magnetic and gravity anomalies on line 2 (New Jersey) suggests that in the Baltimore Canyon region the magnetic-slope anomaly is due to edge effects and that the previously reported free-air and isostatic gravity anomalies over the outer shelf may be due in part to a lateral increase in sediment density (velocity) near the shelf edge. The East Coast magnetic anomaly and the free-air gravity high both coincide over the outer shelf edge on line 1 (Georges Bank) but are offset by 20 km from the ridge on the reflection profile. Because the magnetic-slope-anomaly wavelength is nearly 50 km across, a

The Sovereign Debt Crisis in Europe, Save Banks Not States

Directory of Open Access Journals (Sweden)

Schäfer, Hans-Bernd

2012-08-01

Full Text Available The European central bank is a bank of banks but not a bank of states. This reduces the capabilities of member states to finance deficits. The role of the central bank to cope with the debt crises is institutionally more limited than in most other Western countries. The European Stability Mechanism has not enough financial power to bail out all distressed countries in the Eurozone. Eurobonds could increase lending capacities but would require a change of the European treaty, which is not in sight. They violate the no bail out clause of Art.125 of the Treaty on the Functioning of the European Union. The policy option is therefore debt restructuring of distressed countries and a bailout of financial institutions to avoid conflagration. This option would also shift some of the burden to creditors outside the Eurozone rather than to shift all risk on the people in solvent countries within the Eurozone.

31 CFR 515.321 - United States; continental United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States; continental United... General Definitions § 515.321 United States; continental United States. The term United States means the United States and all areas under the jurisdiction or authority thereof, including the Trust Territory of...

31 CFR 500.321 - United States; continental United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States; continental United... General Definitions § 500.321 United States; continental United States. The term United States means the United States and all areas under the jurisdiction or authority thereof, including U.S. trust territories...

31 CFR 535.321 - United States; continental United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States; continental United... General Definitions § 535.321 United States; continental United States. The term United States means the United States and all areas under the jurisdiction or authority thereof including the Trust Territory of...

The World Bank: Changing Leadership and Issues for the United States and Congress

National Research Council Canada - National Science Library

Weiss, Martin A

2005-01-01

.... The focus of the next World Bank President likely will be on many development issues including global humanitarian and reconstruction assistance and debt relief for the poorest countries, among others. Congress has a significant role in shaping U.S. policy at the World Bank through funding arrangements and oversight responsibility. This report will be updated as events warrant.

Evaluation of the impact of banking umbilical cord blood units with high cell dose for ethnically diverse patients.

Science.gov (United States)

Stritesky, Gretta; Wadsworth, Kimberly; Duffy, Merry; Buck, Kelly; Dehn, Jason

2018-02-01

Umbilical cord blood units provide an important stem cell source for transplantation, particularly for patients of ethnic diversity who may not have suitably matched available, adult-unrelated donors. However, with the cost of cord blood unit acquisition from public banks significantly higher than that for adult-unrelated donors, attention is focused on decreasing cost yet still providing cord blood units to patients in need. Historical practices of banking units with low total nucleated cell counts, including units with approximately 90 × 10 7 total nucleated cells, indicates that most banked cord blood units have much lower total nucleated cell counts than are required for transplant. The objective of this study was to determine the impact on the ability to identify suitable cord blood units for transplantation if the minimum total nucleated cell count for banking were increased from 90 × 10 7 to 124 or 149 × 10 7 . We analyzed ethnically diverse patients (median age, 3 years) who underwent transplantation of a single cord blood unit in 2005 to 2016. A cord blood unit search was evaluated to identify units with equal or greater human leukocyte antigen matching and a greater total nucleated cell count than that of the transplanted cord blood unit (the replacement cord blood unit). If the minimum total nucleated cell count for banking increased to 124 or 149 × 10 7 , then from 75 to 80% of patients would still have at least 1 replacement cord blood unit in the current (2016) cord blood unit inventory. The best replacement cord blood units were often found among cords with the same ethnic background as the patient. The current data suggest that, if the minimum total nucleated cell count were increased for banking, then it would likely lead to an inventory of more desirable cord blood units while having minimal impact on the identification of suitable cord blood units for transplantation. © 2017 AABB.

Regional geologic framework off northeastern United States

International Nuclear Information System (INIS)

Schlee, J.; Behrendt, J.C.; Grow, J.A.; Robb, J.M.; Mattick, R.E.; Taylor, P.T.; Lawson, B.J.

1976-01-01

Six multichannel seismic-reflection profiles taken across the Atlantic continental margin off the northeastern United States show an excess of 14 km of presumed Mesozoic and younger sedimentary rocks in the Baltimore Canyon trough and 8 km in the Georges Bank basin. Beneath the continental rise, the sedimentary prism thickness exceeds 7 km south of New Jersey and Maryland, and it is 4.5 km thick south of Georges Bank Stratigraphically, the continental slope--outer edge of the continental shelf is a transition zone of high-velocity sedimentary rock, probably carbonate, that covers deeply subsidized basement. The spatial separation of magnetic and gravity anomalies on line 2 (New Jersey) suggests that in the Baltimore Canyon region the magnetic-slope anomaly is due to edge effects and that the previously reported free-air and isostatic gravity anomalies over the outer shelf may be due in part to a lateral increase in sediment density (velocity) near the shelf edge. The East Coast magnetic anomaly and the free-air gravity high both coincide over the outer shelf edge on line 1 (Georges Bank) but are offset by 20 km from the ridge on the reflection profile

The Central Bank and the State Budget: Selected Legal Aspects

OpenAIRE

Andrzej Borodo

2015-01-01

The Polish Central Bank (National Bank of Poland – NBP) performs mainly macro-economic tasks, for maintaining price levels. This Bank is not focused on tasks aimed at the interests of the State Budget. The Central Bank has a lot of power in the creation of money. It seems, there is possible to create the budgetary revenues, which are connected with the emission of money. In particular, the income from emission of coins may be determined as the budget revenue. The connection the Treasury with ...

12 CFR 561.50 - State.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false State. 561.50 Section 561.50 Banks and Banking... SAVINGS ASSOCIATIONS § 561.50 State. The term State means a State, the District of Columbia, Guam, Puerto Rico, and the Virgin Islands of the United States. ...

Rapanos v. United States & Carabell v. United States

Science.gov (United States)

Documents associated with guidance for implementing the definition of waters of the United States under the Clean Water Act following the Rapanos v. United States, and Carabell v. United States Supreme Court decision.

75 FR 95 - Endorsement and Payment of Checks Drawn on the United States Treasury

Science.gov (United States)

2010-01-04

... Checks Drawn on the United States Treasury AGENCY: Financial Management Service, Fiscal Service, Treasury..., Financial Management Service (FMS), is proposing to amend its regulation governing the endorsement and... Banks to debit a financial institution's account at the financial institution's servicing Federal...

76 FR 57907 - Indorsement and Payment of Checks Drawn on the United States Treasury

Science.gov (United States)

2011-09-19

...), Financial Management Service (FMS), to direct Federal Reserve Banks to debit a financial institution's Master Account for all check reclamations against the financial institution that the financial... Checks Drawn on the United States Treasury AGENCY: Financial Management Service, Fiscal Service, Treasury...

STATE-OWNED RURAL BANK PERFORMANCE: DO GOVERNMENT OWNERSHIP AND CORPORATE GOVERNANCE UNIQUENESS MATTER?

Directory of Open Access Journals (Sweden)

Azilsyah Noerdin

2016-12-01

Full Text Available It has been widely recognized that ownership structure has an impact on firm performance. This paper examines whether rural banks owned by government have poorer performance than those owned by private parties with the emphasis on corporate governance uniqueness of state-owned rural banks. 42 rural banks in Indonesia has been selected as the sample. MANOVA test is used to investigate the difference performance between the two types of the rural banks. The results show that state-owned rural banks perform poorer than their privately-owned counterparts. It is indicated by lower ROA ratio and higher OEOI and NPL ratios. The important implication of this finding suggets that government ownership impede boards of rural banks to implement good corporate governance practices in order to improve their banks performance.

The World Bank and Fragile States: Dynamics of Cooperation and Aid Structure

Directory of Open Access Journals (Sweden)

Solomatin A.

2018-03-01

Full Text Available The eradication of extreme poverty in fragile states is one of the central problems of global governance at the present time. Development of these states is hindered by instability, weak public and social institutions or ongoing conflicts and violence. The World Bank is a key partner of fragile states, which account for almost a third of the world’s population. This article is a continuation of research exploring the evolution of conceptual and practical approaches by the World Bank to cooperation with fragile states. Its methodology is based on a multilevel analysis of the securitization of foreign aid as proposed by J. Lind and J. Howell of the London School of Economics. The main focus of this examination is on the dynamics of the change of scale and structure of the World Bank’s aid to fragile states in comparison with global armed trends of providing aid to fragile states as well. This article concludes that statements about the priority of the Bank’s work in fragile states have not yet been realized in practice. The Bank remains committed to the standard approach to working with this group of recipients, which involves serious risks. The World Bank leans toward supporting projects in fragile states which increases volatility and reduces aid predictability. This trend undermines the development potentials of recipient states. Attention is drawn to political factors influencing aid flows to fragile states and particularly to the tendency of increasing the share of aid provided to fragile states through multi donor trust funds rather than through the mechanisms of the International Development Association (IDA. This trend indicates that the Bank is no longer a central point of aid distribution to the recipients, pointing to the lack of trust of donor states in the existing mechanisms and rules of aid distribution. It also reveals the expanding role of donors’ strategic interests in the process of choosing recipients of World Bank aid.

The Bank of North Dakota: a model for Massachusetts and other states?

OpenAIRE

Yolanda Kodrzycki; Tal Elmatad

2011-01-01

In 2010, Massachusetts legislators considered whether to create a state-owned bank as a means to address concerns about credit availability and other economic challenges stemming from the financial crisis and Great Recession of 2007-09. In 2011 a commission was established to investigate the feasibility of setting up such an institution. This research report informs the work of that commission. ; The report provides an in-depth examination of the only state-owned bank in the nation, the Bank ...

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

Directory of Open Access Journals (Sweden)

mahdi Ghazanfari

2011-03-01

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

The Central Bank and the State Budget: Selected Legal Aspects

Directory of Open Access Journals (Sweden)

Andrzej Borodo

2015-09-01

Full Text Available The Polish Central Bank (National Bank of Poland – NBP performs mainly macro-economic tasks, for maintaining price levels. This Bank is not focused on tasks aimed at the interests of the State Budget. The Central Bank has a lot of power in the creation of money. It seems, there is possible to create the budgetary revenues, which are connected with the emission of money. In particular, the income from emission of coins may be determined as the budget revenue. The connection the Treasury with the Central Bank results from the historical evolution of the origin and role of the Central Bank. It is reasonable to increase the role of the treasury securities in the Central Bank activity. The Treasury Bills should be used in the open market policy leading by the Central Bank. There is the issue of changing of the Constitution of the Republic Poland in the field of limit of the public debt (60% of GDP. It seems, the Polish Constitution should not be the only constitution in the world that introduced such a limit. This limit, and the limit on annual budgetary deficit, introduces EU law. That is a sufficient legal limit.

[Clinical impact of opening a human milk bank in a neonatal unit].

Science.gov (United States)

Vázquez-Román, S; Bustos-Lozano, G; López-Maestro, M; Rodríguez-López, J; Orbea-Gallardo, C; Samaniego-Fernández, M; Pallás-Alonso, C R

2014-09-01

The benefits of donor human milk compared with artificial formulas have been well demonstrated; nevertheless the impact in the clinical practice of opening a human milk bank within a neonatal unit has not yet been studied. The main aim of this study was to analyze the impact on the clinical practice of opening a human milk bank in a neonatal unit to provide donor human milk for preterm infants ≤ 32 weeks of gestational age. A before and after study was designed, with the intervention being the opening a human milk bank. Preterm infants ≤ 32 weeks of gestational age born in the Hospital 12 Octubre from July to December 2005 and January to June 2008 (firsts 6 months after opening the human milk bank) were included. After opening the human milk bank, enteral feedings were started 31h before (Partificial formula, the exposure to formula in the first 15 days of life was reduced from 50% to 16.6%, and it's consumption during the first 28 days of life was significantly reduced. There was a higher consumption of own mother's milk during the hospital stay, and a higher rate of exclusive breastfeeding at hospital discharge (54% vs 40%). The availability of donor human milk has led to quicker progression with enteral feedings and earlier withdrawal of parenteral nutrition. It has reduced the exposure to artificial formulas, and has also increased the intake of own mother's milk during the hospital stay and the rate of exclusive breastfeeding at hospital discharge. Copyright © 2013 Asociación Española de Pediatría. Published by Elsevier Espana. All rights reserved.

ACOG committee opinion number 399, February 2008: umbilical cord blood banking.

Science.gov (United States)

2008-02-01

Two types of banks have emerged for the collection and storage of umbilical cord blood--public banks and private banks. Public banks promote allogenic (related or unrelated) donation, analogous to the current collection of whole blood units in the United States. Private banks were initially developed to store stem cells from umbilical cord blood for autologous use (taken from an individual for subsequent use by the same individual) by a child if the child develops disease later in life. If a patient requests information on umbilical cord blood banking, balanced and accurate information regarding the advantages and disadvantages of public versus private banking should be provided. The remote chance of an autologous unit of umbilical cord blood being used for a child or a family member (approximately 1 in 2,700 individuals) should be disclosed. The collection should not alter routine practice for the timing of umbilical cord clamping. Physicians or other professionals who recruit pregnant women and their families for for-profit umbilical cord blood banking should disclose any financial interests or other potential conflicts of interest.

A pairwise unit-root-test based approach to investigating convergence of household debts in South Africa and the United States

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Ntebogang Dinah Moroke

2015-05-01

Full Text Available The purpose of this paper was to test convergence of household debts in the United States and South Africa taking a pairwise unit root tests based approaches into account. Substantial number of studies dealt with convergence of several macroeconomic variables but to my knowledge no study considered this subject with respect to household debts of the identified countries. Quarterly data on household debts consisting of 88 observations in the South Africa and United States spanning the period 1990 to 2013 was collected from the South African and St. Louis Federal Reserve Banks. Focused on the absolute value of household debts, this study proved that South Africa is far from catching-up with the United States in terms of overcoming household debts for the selected period. The findings of this study can be used by relevant authorities to help improve ways and means of dealing with household debts South Africa

NRC/RSR Data Bank Program

International Nuclear Information System (INIS)

Bankert, S.F.; Evans, C.D.; Hardy, H.A.; Litteer, G.L.; Schulz, G.L.; Smith, N.C.

1978-01-01

The United States Nuclear Regulatory Commission (NRC) has established the NRC/Reactor Safety Research (RSR) Data Bank Program to provide a means of collecting, processing, and making available experimental data from the many domestic and foreign water reactor safety research programs. The NRC/RSR Data Bank Program collects qualified engineering data from experimental program data bases, stores the data in a single data bank in a common format, and makes the data available to users. The program is designed to be user oriented to minimize the effort required to obtain and manipulate data of interest. The data bank concept and structure embodied in the data bank processing system are applicable to any program where large quantities of scientific (numeric) data are generated and require compiling, storage, and accessing in order to be collected and made available to multiple users. 3 figures

12 CFR 7.1000 - National bank ownership of property.

Science.gov (United States)

2010-01-01

... to a foreign country, including foreign nationals temporarily assigned to the United States; and (v... facility upon the expiration of the lease. (2) Purchase of employee's residence. To facilitate the efficient use of bank personnel, a national bank may purchase the residence of an employee who has been...

Challenges of the banking regulation systems in the climate of the world economic crisis

Directory of Open Access Journals (Sweden)

Sedlarević Lazar

2014-01-01

Full Text Available At the end of the 20th century, banking systems of the developed countries have undergone multiple changes, where the basic dimensions of those changes were integration, deregulation and globalisation of activities. The resultant of these factors' actions was the creation of highly risky banking environment, which acted as a catalyst of the world economic crisis effects. These effects brought to the forefront weaknesses of the banking sector and of the banking regulation system, while emphasizing the need for their redefining. Hence this work examines in detail concrete models of the banking regulation systems in the European Union area and in the United States of America. In addition, directions of redefining regulation system were highlighted, and also the relevant differences between banking business regulation in the European Union and in the United States of America.

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.

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…

THE PECULIARITIES OF STATE MANAGEMENT OF BANKS CAPITALIZATION IN UKRAINE

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Yuriy Radelytskyy

2016-11-01

Full Text Available Research subject. The subject in this article is theoretical, methodical and applied aspects of state management of banks’ capitalization in Ukraine, a consideration which allows the estimate efficiency of Ukrainian banks refinancing and recapitalization, as well as to enunciate practical recommendations concerning an increase of their capitalization level. The purpose is an analysis of government support measures for the domestic bank system; furthermore the search for additional sources of financing bank funds and the development of capitalization level increase in conditions of social and economic transformations. Methodology. In the research there are used general scientific methods of learning economic facts and the use of processes in their steady development and correlation: logic analysis, methods of scientific abstraction, induction, deduction, optimization, grouping and comparison, as well as graphic and tabular methods. Results. The questions of government control in the bank system in the period of the world financial crisis is researched on international level by the Financial Stability Council, Basel Committee on Banking Supervision, specialists of the World Bank and International Monetary Fund. As a result of relative novelty of these problems only a small number of researches is devoted to the use of government bank support instruments and therefore further development of this topic has practical value for improving the renewal mechanisms of financial stability and reliability of the bank system in Ukraine. After the analysis of the government control measures of the domestic bank capitalization, since 2009, and the effectiveness of budget resources segregation on refinancing and recapitalization of bank institutions in Ukraine (including crisis period, it was found out that these mechanisms, unfortunately, did not change much the situation on the bank market. Taking into account the unstable political situation in Ukraine and

Wetland mitigation banking for the oil and gas industry: Assessment, conclusions, and recommendations

Energy Technology Data Exchange (ETDEWEB)

Wilkey, P.L.; Sundell, R.C.; Bailey, K.A.; Hayes, D.C.

1994-01-01

Wetland mitigation banks are already in existence in the United States, and the number is increasing. To date, most of these banks have been created and operated for mitigation of impacts arising from highway or commercial development and have not been associated with the oil and gas industry. Argonne National Laboratory evaluated the positive and negative aspects of wetland mitigation banking for the oil and gas industry by examining banks already created for other uses by federal, state, and private entities. Specific issues addressed in this study include (1) the economic, ecological, and technical effectiveness of existing banks; (2) the changing nature of local, state, and federal jurisdiction; and (3) the unique regulatory and jurisdictional problems affecting bank developments associated with the oil and gas industry.

Banking Sector of Ukraine: Realities, Tendencies, Prospects

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Doroshenko Hanna O.

2014-01-01

Full Text Available The article analyses the modern state of the banking sector of Ukraine, its sources and prospects. It identifies that the main obstacle for stable development is dissociation of banking segments, absence of functional unity and orientation at formation of optimal conditions for satisfaction of financial requirements of the domestic economy. In order to create the efficient banking system it is necessary to introduce new banking supervision standards oriented at specialisation of the banking activity. The banking market should be segmented and both major banks that form the nucleus of the segment and minor ones operating in their niches should co-operate within each segment. Universal banks that have a developed branch network should unite specialised segments. Moreover, it is necessary to introduce changes into the mechanism of application of some instruments of money and loan regulation with respect to specialised banks and introduce some restrictions upon spheres of activity of the foreign capital.

12 CFR 7.4003 - Establishment and operation of a remote service unit by a national bank.

Science.gov (United States)

2010-01-01

...(Seventh). An RSU includes an automated teller machine, automated loan machine, and automated device for... a remote service unit by a national bank. A remote service unit (RSU) is an automated facility...

The Determinants of Capital Structure: Some Evidence from Banks

OpenAIRE

Heider, Florian; Gropp, Reint

2008-01-01

This paper documents that standard cross-sectional determinants of firm leverage also apply to the capital structure of large banks in the United States and Europe. We find a remarkable consistency in sign, significance and economic magnitude. Like non-financial firms, banks appear to have stable capital structures at levels that are specific to each individual bank. The results suggest that capital requirements may only be of second-order importance for banks’ capital structures and confirm ...

Passages to Literature: Essays on Teaching in Australia, Canada, England, the United States, and Wales.

Science.gov (United States)

Milner, Joseph O'Beirne, Ed.; Milner, Lucy Floyd Morcock, Ed.

Representing Australia, Canada, England, the United States, and Wales, this collection of essays focuses on ways in which teachers can adapt classroom activities and modify writing assignments to encourage personal response and exploration of texts. Essays, their authors, and nationalities are as follows: (1) "The River and Its Banks:…

The rise and growth of Serbian banking until World War I - part two: The second stage - the national state and the national banking (1878-1914

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Stojanović Biljana

2017-01-01

Full Text Available The development of Serbian banking during the 19th century was a gradual process that underwent two distinctive stages with the turning point in 1878 when Serbia became an independent state by the international agreement concluded at the Berlin Congress. In the first stage, until 1878, necessary political, economic and institutional preconditions had been formed for the rise of banking that led to the creation of the first organized credits and banks. During the second stage, decisive programme of economic and institutional development and modernization resulted in the mushrooming growth of banks. Apart from the Privileged National Bank of the Kingdom of Serbia (National Bank, as a bank of note issue, there were state banks and privately-owned banks mostly in the form of joint-stock companies. From 1894, farmers started to establish farm cooperative societies as institutions that met their credit needs with a much more favourable terms than banks. Analyses suggests that banks in the Kingdom of Serbia during 1878-1914 period better served the development of trade, building of the infrastructure (railroads and industry than credit needs of the farmers who were the main economic agent of the country representing 85% of the total population.

12 CFR Appendix E to Part 208 - Capital Adequacy Guidelines for State Member Banks; Market Risk Measure

Science.gov (United States)

2010-01-01

.... A bank subject to this appendix must have a risk management system that meets the following minimum... management and is independent from business trading units. (2) The bank's internal risk measurement model... its risk measurement and risk management systems at least annually. (c) Market risk factors. The bank...

Embassy bank accounts and State immunity from execution : Doing justice to the financial interests of creditors

NARCIS (Netherlands)

Ryngaert, C.M.J.

Embassy bank accounts are among the properties of statesmost widely presentin foreign states. Accordingly, they constitute an ideal target for attachment by creditors. International instruments have largely upheld state immunity from execution regarding bank accounts, however. Likewise, state

The Australian money market and the operations of the Reserve Bank of Australia: a comparative analysis

OpenAIRE

Michael Dotsey

1987-01-01

This article provides a comparative analysis of central bank operating procedures in Australia and the United States. It also examines the effect that the structure of overnight money markets, reserve requirements, and central bank lending procedures have on monetary control in both countries. Evidently the Australian financial structure is such that an interest rate instrument provides superior control of money, a result that may not hold in the United States.

The Value of the “Too Big to Fail” Big Bank Subsidy

OpenAIRE

Dean Baker; Travis McArthur

2009-01-01

One outcome of the TARP and other bank rescue efforts following the collapse of Lehman Brothers in September of 2008 is that the United States has essentially formalized a commitment to a “too big to fail” (TBTF) policy for major banks. This paper uses data from the FDIC on the relative cost of funds for TBTF banks and other banks, before and after the crisis, to quantify the value of the government protection provided by the TBTF policy.

US of tissue banking and transplantation in North America

International Nuclear Information System (INIS)

Strong, M.; Moogk, M.

1999-01-01

Tissue banking in North America began as surgical bone banking in individual hospitals and progressed to recovery of cadaveric tissues, initially by the United States Navy Tissue Bank and more recently to regional tissue banks throughout North America. The American Association of Tissue Banks was established in 1976 to develop standards for tissue banking and the eventual inspection and accreditation of tissue banks. The gathering of statistics of tissue banking practices was first undertaken in 1992, from accredited tissue banks. The most recent statistics were compiled in 1997 and will be reported at this conference.There are currently 63 accredited tissue banks in North America, 60 in the United States and three in Canada. Overall, tissue donation has increased by 48% during this 5 year reporting time. During the same period, the number of living surgical bone donors has decreased from nearly 3,000 to less than 500. This impact is largely due to the new regulations that have been implemented by the Food and Drug Administration (FDA). There were over 340,000 bone grafts distributed in 1996, an increase of 20% over 1992, 33% were not sterilized, 21% were sterilized using irradiation, and 45% were demineralized. Only 1% were processed using ethylene oxide as a sterilant, a decrease from 15% in 1992. The primary mode of preservation and storage is freeze-drying with 90% of the tissues falling into this category and the rest being frozen. The second largest number of grafts distributed were skin grafts. Total tissue grafts distributed including cornea was 445,417. In January 1998, the FDA Final Rule regarding regulation of tissue banking became effective. The elements of that Final Rule and new tissue banking rules the FDA has proposed will be discussed along with regulations recently published by the Health and Human Services Department relative to organ and tissue donor referrals. Tissue Banking in North America continues to evolve and has become more and more

Measuring and Understanding the Energy Use Signatures of a Bank Building

Energy Technology Data Exchange (ETDEWEB)

Xie, YuLong; Liu, Bing; Athalye, Rahul A.; Baechler, Michael C.; Sullivan, Greg

2012-08-12

The Pacific Northwest National Laboratory measured and analyzed the energy end-use patterns in a bank building located in the north-eastern United States. This work was performed in collaboration with PNC Financial Service Group under the US DOE’s Commercial Building Partnerships Program. This paper presents the metering study and the results of the metered data analysis. It provides a benchmark for the energy use of different bank-related equipments. The paper also reveals the importance of metering in fully understanding building loads and indentifying opportunities for energy efficiency improvements that will have impacts across PNC’s portfolio of buildings and were crucial to reducing receptacle loads in the design of a net-zero bank branches. PNNL worked with PNC to meter a 4,000 ft2 bank branch in the state of Pennsylvania. 71 electrical circuits were monitored and 25 stand-alone watt-hour meters were installed at the bank. These meters monitored the consumption of all interior and exterior lighting, receptacle loads, service water heating, and the HVAC rooftop unit at a 5-minute sampling interval from November 2009 to November 2010. A total of over 8 million data records were generated, which were then analyzed to produce the end-use patterns, daily usage profiles, rooftop unit usage cycles, and inputs for calibrating the energy model of the building.

How the United States exports managed care to developing countries.

Science.gov (United States)

Waitzkin, H; Iriart, C

2001-01-01

As their expansion slows in the United States, managed care organizations will continue to enter new markets abroad. Investors view the opening of managed care in Latin America as a lucrative business opportunity. As public-sector services and social security funds are cut back, privatized, and reorganized under managed care, with the support of international lending agencies such as the World Bank, the effects of these reforms on access to preventive and curative services will hold great importance throughout the developing world. Many groups in Latin America are working on alternative projects that defend health as a public good, and similar movements have begun in Africa and Asia. Increasingly, this organizing is being recognized not only as part of a class struggle but also as part of a struggle against economic imperialism--which has now taken on the new appearance of rescuing less developed countries from rising health care costs and inefficient bureaucracies through the imposition of neoliberal managed-care solutions exported from the United States.

Latin American Cultural Resiliency to External Foreign Policy: Strategic Implications for the United States as China Extends into Latin America

Science.gov (United States)

2016-04-04

American Development Bank, and United States Export -Import Bank combined for that year.”7 Furthermore, China has signed free trade agreements with... American Relations, 930. 23   two countries is the result of China’s export to Mexico . China’s investment in Mexico is also substantially larger than... Mexico at War Against China in the WTO (2005) China Hits Markets (2005) The Dragon Monopolizes (2005) Chinese Pirates Invade Chiapas (2005

Dominant Indicators of Bank Crises: Comparative Analysis for States with Different Levels of Economic Development

Directory of Open Access Journals (Sweden)

Kozlov Vladislav I.

2014-03-01

Full Text Available The article is devoted to identification of common and distinctive regularities of development of banking systems with different levels of development of economy through study of the most important macro-economic and financial indicators. The article uses instruments of the applied statistics. The study is based on comparison of mean values of indicators in two groups of countries (countries with a high level of income and countries with a medium level of income, each of which is divided into two sub-groups based on whether there was banking crisis in 2008 or not. In the result of the study the article shows that there are both common and distinctive features of development of banking systems of countries with different levels of economic development. Thus, a typical scenario, characteristic for countries with developed economy that had banking crisis in 2008, includes availability of a relatively large-scale crediting of the economy under conditions of relatively low rates of economic growth and close connections of the national banking systems with banking systems of other countries. Development of banking systems of developing countries during the pre-crisis period is characterised with the following specific features: relatively high rates of growth of scales of crediting of the economy and high rates of economic growth under conditions of use of significant volumes of resources, borrowed in financial markets, and close connection of the national banking systems with banking systems of other countries. The study allows a more efficient use of experience of states with developed economy, since the described results give a possibility to adjust experience of other states, taking into account characteristic features of banking systems of developing countries. Also the study identified states, experience of which should be studied. The conducted analysis of interrelations of indicators could be used for building models of assessment of

TSUNAMIS AND TSUNAMI-LIKE WAVES OF THE EASTERN UNITED STATES

Directory of Open Access Journals (Sweden)

James F. Lander

2002-01-01

Full Text Available The threat of tsunamis and tsunami-like waves hitting the eastern United States is very real despite a general impression to the contrary. We have cataloged 40 tsunamis and tsunami-like waves that have occurred in the eastern United States since 1600. Tsunamis were generated from such events as the 1755 Queen Anne’s earthquake, the Grand Banks event of 1929, the Charleston earthquake of 1886, and the New Madrid earthquakes of 1811-1812. The Queen Anne tsunami was observed as far away as St. Martin in the West Indies and is the only known teletsunami generated in this source region.Since subduction zones are absent around most of the Atlantic basin, tsunamis and tsunami-like waves along the United States East Coast are not generated from this traditional source, but appear, in most cases to be the result of slumping or landsliding associated with local earthquakes or with wave action associated with strong storms. Other sources of tsunamis and tsunami-like waves along the eastern seaboard have recently come to light including volcanic debris falls or catastrophic failure of volcanic slopes; explosive decompression of underwater methane deposits or oceanic meteor splashdowns. These sources are considered as well.

Which bank? A guardian model for regulation of embryonic stem cell research in Australia.

Science.gov (United States)

McLennan, A

2007-08-01

In late 2005 the Legislation Review: Prohibition of Human Cloning Act 2002 (Cth) and the Research Involving Human Embryos Act 2002 (Cth) recommended the establishment of an Australian stem cell bank. This article aims to address a lack of discussion of issues surrounding stem cell banking by suggesting possible answers to the questions of whether Australia should establish a stem cell bank and what its underlying philosophy and functions should be. Answers are developed through an analysis of regulatory, scientific and intellectual property issues relating to embryonic stem cell research in the United Kingdom, United States and Australia. This includes a detailed analysis of the United Kingdom Stem Cell Bank. It is argued that a "guardian" model stem cell bank should be established in Australia. This bank would aim to promote the maximum public benefit from human embryonic stem cell research by providing careful regulatory oversight and addressing ethical issues, while also facilitating research by addressing practical scientific concerns and intellectual property issues.

NRC/RSR data bank program

International Nuclear Information System (INIS)

Bankert, S.F.; Evans, C.D.; Hardy, H.A.; Litteer, G.L.; Schulz, G.L.; Smith, N.C.

1978-01-01

The United States Nuclear Regulatory Commission (NRC) has established at the Idaho National Engineering Laboratory (INEL) the NRC/Reactor Safety Research (RSR) Data Bank Program. The program is under the direction of EG and G Idaho, Inc., and is intended to provide the means of collecting, processing, and making available experimental data from the many water reactor safety research programs. The NRC/RSR Data Bank Program collects qualified engineering data on a prioritized basis from experimental program data bases, stores the data in a single data bank in a common format, and makes the data available to users. The NRC/RSR Data Bank specializes in water reactor safety experimental data, but it has a number of other scientific applications where large amounts of numeric data are or will be available. As an example of size, a single water reactor safety test may generate 10 million data words. Future examples of the use of a data bank might be in gathering data on low head hydraulics, solar projects, and liquid metal reactor safety data

Analisis Perbandingan Bank Umum Konvensional Dan Bank Umum Syariah

OpenAIRE

Nuryati; Gendis Gumilar, Amethysa

2011-01-01

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

12 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...

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

Directory of Open Access Journals (Sweden)

Jayati Sarkar

2018-02-01

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

NRC/RSR Data Bank Program description

International Nuclear Information System (INIS)

Bankert, S.F.

1979-01-01

The United States Nuclear Regulatory Commission (NRC) has established the NRC/Reactor Safety Research (RSR) Data Bank Program to collect, store, and make available data from the many domestic and foreign water reactor safety research programs. Local direction of the program is provided by EG and G Idaho, Inc., at Idaho National Engineering Laboratory. The NRC/RSR Data Bank Program provides a central computer storage mechanism and access software for data to be used by code development and assessment groups in meeting the code and correlation needs of the nuclear industry. The administrative portion of the program provides data entry, documentation, and training and advisory services to users and the NRC. The NRC/RSR Data Bank Program and the capabilities of the data access software are described

77 FR 39613 - Presidential Determination on a U.S. Export Import Bank Transaction with Vietnam

Science.gov (United States)

2012-07-03

... the Export Import Bank of the United States to extend a loan in the amount of approximately $125,870...-10 of June 25, 2012--Presidential Determination on a U.S. Export-Import Bank Transaction With Vietnam... Determination No. 2012-10 of June 25, 2012 Presidential Determination on a U.S. Export Import Bank Transaction...

Foreign competition and disintermediation: no threat to the German banking system?

Directory of Open Access Journals (Sweden)

Claudia M. Buch

2000-06-01

Full Text Available The German financial system is characterized by low degrees of penetration by foreign commercial banks and of (bank disintermediation compared to, for instance, the United States. This could be attributed to the fact that universal banking in Germany creates implicit barriers to entry. Yet, regulatory and informational differences which are unrelated to universal banking could be responsible for the observed difference. This paper provides a stylized theoretical model of the banking industry, which suggests that market segmentation and limited market entry can be due to a number of factors, including information costs. Preliminary empirical evidence does not provide clear evidence for the hypothesis that universal banking is the reason for the observed differences in financial systems.

7 CFR 1220.615 - State and United States.

Science.gov (United States)

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false State and United States. 1220.615 Section 1220.615... CONSUMER INFORMATION Procedures To Request a Referendum Definitions § 1220.615 State and United States. State and United States include the 50 States of the United States of America, the District of Columbia...

7 CFR 1220.129 - State and United States.

Science.gov (United States)

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false State and United States. 1220.129 Section 1220.129... CONSUMER INFORMATION Soybean Promotion and Research Order Definitions § 1220.129 State and United States. The terms State and United States include the 50 States of the United States of America, the District...

Living in the United States. A Brief Introduction to the Culture for Visitors, Students and Business Travelers.

Science.gov (United States)

Hawkinson, Anni; Clark, Raymond C.

The guide provides a brief introduction to the culture and language of the United States, and is designed for visitors, students, and business travelers. It offers practical information on various aspects of daily living, including: money and banks; food; restaurants; drinking and smoking laws; hotels; postal and telecommunications services;…

96 THE EFFECT OF AUTOMATED TELLER MACHINES ON BANKS ...

African Journals Online (AJOL)

reduces the number of human deployment by banks thereby reducing cost of operations. ... United States (PLUS and CIRRUS) drooped their long standing opposition to allowing ..... Automated teller machine network pricing – A review of the.

US politics and World Bank IDA-lending

DEFF Research Database (Denmark)

Andersen, Thomas Barnebeck; Hansen, Henrik; Markussen, Thomas

2006-01-01

This paper studies the role of US political factors in the allocation of World Bank concessional lending, where US political interests are proxied by voting similarity in the United Nations General Assembly on issues identified as important by the US Department of State. In contrast to previous...

Geographic population structure of the sugarcane borer, Diatraea saccharalis (F. (Lepidoptera: Crambidae, in the southern United States.

Directory of Open Access Journals (Sweden)

Andrea L Joyce

Full Text Available The sugarcane borer moth, Diatraea saccharalis, is widespread throughout the Western Hemisphere, and is considered an introduced species in the southern United States. Although this moth has a wide distribution and is a pest of many crop plants including sugarcane, corn, sorghum and rice, it is considered one species. The objective was to investigate whether more than one introduction of D. saccharalis had occurred in the southern United States and whether any cryptic species were present. We field collected D. saccharalis in Texas, Louisiana and Florida in the southern United States. Two molecular markers, AFLPs and mitochondrial COI, were used to examine genetic variation among these regional populations and to compare the sequences with those available in GenBank and BOLD. We found geographic population structure in the southern United States which suggests two introductions and the presence of a previously unknown cryptic species. Management of D. saccharalis would likely benefit from further investigation of population genetics throughout the range of this species.

Why banks say NO to great healthcare practitioners. Five reasons why banks reject loans to quality small-business owners and what you can do about it.

Science.gov (United States)

Warrick, Cheree

2014-01-01

If you have a dream of opening or expanding a practice, then bank lending is probably an option you've considered. However, many practitioners are under the false assumption that banks are currently not lending. Untrue! Between 2008 and 2012, banks have loaned an average of $216 billion to small businesses throughout the United States each year. There are two aspects to a bank loan package: (1) your loan application with tax information, asset information, etc.; and (2) your business plan. This article delves into the five reasons banks say "no" to a great healthcare practitioner and what you should include in your business plan to not only have the bank say "yes" to financing your business but also to create a situation where multiple banks are offering to lend you money.

Sperm banking for fertility preservation: a 20-year experience.

Science.gov (United States)

Johnson, Matrika D; Cooper, Amber R; Jungheim, Emily S; Lanzendorf, Susan E; Odem, Randall R; Ratts, Valerie S

2013-09-01

Sperm banking is an effective method to preserve fertility, but is not universally offered to males facing gonadotoxic treatment in the United States. We compared the disposition and semen parameters of cryopreserved sperm from individuals referred for sperm banking secondary to a cancer diagnosis to those of sperm from men banking for infertility reasons. We performed a retrospective cohort study that reviewed 1118 records from males who presented to bank sperm at Washington University between 1991 and 2010. We collected and analyzed demographics, semen parameters, and disposition of banked sperm. Four hundred and twenty-three men with cancer and 348 banking for infertility reasons attempted sperm cryopreservation in our unit during the specified time period. The most prevalent cancers in our cohort were testicular (32%), lymphoma (25%), and leukemia (11%). Patients with leukemia had the lowest pre-thaw counts and motility. Most cancer patients (57%) who banked elected to use, transfer to another facility, or keep their specimens in storage. The remaining samples were discarded electively (34%) or following death (8%). Overall semen parameters were similar between the cancer and infertility groups, but demographics, ability to bank a sample, azoospermia rates, length of storage, current banking status, and use of banked sperm differed significantly between the two groups. The majority of cancer patients who banked survived their cancer and chose to continue storage of banked samples. Cancer patients were more likely than infertility patients to use or continue storage of banked samples. Our study provides evidence that sperm banking is a utilized modality of fertility preservation in patients with a myriad of cancer diagnoses and should be offered to all men facing gonadotoxic therapies. Further work is needed to determine where disparities in access to sperm banking exist to improve the potential for future fertility in these males. Copyright © 2013 Elsevier

The Impact of Financial Liberalization on Islamic Bank's Efficiency in Indonesia

Directory of Open Access Journals (Sweden)

Wiwiek Rabiatul Adawiyah

2015-10-01

Full Text Available The aim of this research is analyze the state of efficiency demonstrated by foreign banks, as aggressor, as compared to that of the local banks – government banks and Islamic banks during the period 2009-2012. Data Envelopment Analysis (DEA with intermediation approach is used as the main tool of analysis. Input variable chosen are deposit, asset, and personnel expenses. Meanwhile loan and income are chosen as output variable. To find out the difference of efficiency between foreign banks and islamic banks, this study use parametric different test of Independent Sample T-test. The study indicates that foreign banks are less efficient if compared to the local banks, especially Islamic banks and Sharia Business Units. It is also evidenced that there is no significant difference between the efficiency of foreign and Islamic banks during the period 2009-2012.DOI: 10.15408/aiq.v7i2.1680

NRC/DAE reactor safety research Data Bank

International Nuclear Information System (INIS)

Laats, E.T.

1982-01-01

In 1976, the United States Nuclear Regulatory Commission (NRC) established the NRC/Division of Accident Evaluation (DAE) Data Bank to collect, store, and make available data from the many domestic and foreign water reactor safety research programs. This program has since grown from the conceptual stage to a useful, usable service for computer code development, code assessment, and experimentation groups in meeting the needs of the nuclear industry. Data from 20 facilities are now processed and permanently stored in the Data Bank, which utilizes the Control Data Corporation (CDC) CYBER 176 computer system located at the Idaho National Engineering Laboratory (INEL). New data and data sources are continually being added to the Data Bank. In addition to providing data storage and access software, the Data Bank program supplies data entry, documentation, and training and advisory services to users and the NRC. Management of the NRC/DAE Data Bank is provided by EG and G Idaho, Inc

26 CFR 1.585-1 - Reserve for losses on loans of banks.

Science.gov (United States)

2010-04-01

... regulations thereunder. For rules relating to a debt evidenced by a security (as defined in section 165(g)(2..., see § 1.585-4. For rules relating to large banks, see §§ 1.585-5 through 1.585-8. (b) Application of... with the conduct of a banking business within the United States. (2) Exception. For taxable years...

Frequency distribution of the reduced unit cells of centred lattices from the Protein Data Bank.

Science.gov (United States)

Swaminathan, Kunchithapadam

2012-03-01

In crystallography, a centred conventional lattice unit cell has its corresponding reduced primitive unit cell. This study presents the frequency distribution of the reduced unit cells of all centred lattice entries of the Protein Data Bank (as of 23 August 2011) in four unit-cell-dimension-based groups and seven interaxial-angle-based subgroups. This frequency distribution is an added layer of support during space-group assignment in new crystals. In addition, some interesting patterns of distribution are discussed as well as how some reduced unit cells could be wrongly accepted as primitive lattices in a different crystal system.

Stimulating Investment Development through Transformation of State Banks Activity

Directory of Open Access Journals (Sweden)

Kulpinska Lidiya K.

2013-12-01

Full Text Available The article considers significance of state corporations and state financial institutions in stimulation of investments into the fixed capital of the country and considers problems of increase of efficiency of activity of these institutions in the world and Ukraine. It considers the state sector of the developing countries through the prism of activity of state financial and non-financial corporations. It analyses theories of positive and negative features of carrying out state investing through state-owned banks. It analyses the role of state financial corporations in Ukraine, in particular, in crediting and expansion of the portfolio of acquired governmental bonds and offers ways of its increase in the context of necessity of directing funds into investment development.

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.

7 CFR 1209.21 - State and United States.

Science.gov (United States)

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false State and United States. 1209.21 Section 1209.21... Definitions § 1209.21 State and United States. (a) State means any of the several States, the District of Columbia, and the Commonwealth of Puerto Rico. (b) United States means collectively the several States of...

12 CFR 362.18 - Financial subsidiaries of insured state nonmember banks.

Science.gov (United States)

2010-01-01

... investment, including retained earnings, in all financial subsidiaries that engage in activities as principal... under section 24. Notwithstanding § 362.18(a) through (f), an insured state bank may retain its interest...

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

OpenAIRE

Ade Sofyan Mulazid

2016-01-01

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

Specimen banking of marine organisms in the United States: Current status and long-term prospective

Science.gov (United States)

Becker, P.R.; Wise, S.A.; Thorsteinson, L.; Koster, B.J.; Rowles, T.

1997-01-01

A major part of the activities conducted over the last decade by the National Biomonitoring Specimen Bank (NBSB) has involved the archival of marine specimens collected by ongoing environmental monitoring programs. These archived specimens include bivalves, marine sediments, and fish tissues collected by the National Status and Trends and the Exxon Valdez Oil Spill Damage Assessment programs, and marine mammal tissues collected by the Marine Mammal Health and Stranding Response Program and the Alaska Marine Mammal Tissue Archival Project. In addition to supporting these programs, the specimens have been used to investigate circumpolar patterns of chlorinated hydrocarbon concentrations, genetic separation of marine animal stocks, baseline levels of essential and nonessential elements in marine mammals, and the potential risk to human consumers in the Arctic from anthropogenic contaminants found in local subsistence foods. The NBSB specimens represent a resource that has the potential for addressing future issues of marine environmental quality and ecosystem changes through retrospective analysis; however, an ecosystem-based food web approach would maximize this potential. The current status of the NBSB activities related to the banking of marine organisms is presented and discussed, the long-term prospective of these activities is presented, and the importance of an ecosystem-based food web monitoring approach to the value of specimen banking is discussed.

Cord Blood Banking for Potential Future Transplantation.

Science.gov (United States)

Shearer, William T; Lubin, Bertram H; Cairo, Mitchell S; Notarangelo, Luigi D

2017-11-01

This policy statement is intended to provide information to guide pediatricians, obstetricians, and other medical specialists and health care providers in responding to parents' questions about cord blood donation and banking as well as the types (public versus private) and quality of cord blood banks. Cord blood is an excellent source of stem cells for hematopoietic stem cell transplantation in children with some fatal diseases. Cord blood transplantation offers another method of definitive therapy for infants, children, and adults with certain hematologic malignancies, hemoglobinopathies, severe forms of T-lymphocyte and other immunodeficiencies, and metabolic diseases. The development of universal screening for severe immunodeficiency assay in a growing number of states is likely to increase the number of cord blood transplants. Both public and private cord blood banks worldwide hold hundreds of thousands of cord blood units designated for the treatment of fatal or debilitating illnesses. The procurement, characterization, and cryopreservation of cord blood is free for families who choose public banking. However, the family cost for private banking is significant and not covered by insurance, and the unit may never be used. Quality-assessment reviews by several national and international accrediting bodies show private cord blood banks to be underused for treatment, less regulated for quality control, and more expensive for the family than public cord blood banks. There is an unquestionable need to study the use of cord blood banking to make new and important alternative means of reconstituting the hematopoietic blood system in patients with malignancies and blood disorders and possibly regenerating tissue systems in the future. Recommendations regarding appropriate ethical and operational standards (including informed consent policies, financial disclosures, and conflict-of-interest policies) are provided for physicians, institutions, and organizations that

International Tax Evasion, State Purchases of Confidential Bank Data and Voluntary Disclosures

OpenAIRE

Bethmann, Dirk; Kvasnicka, Michael

2017-01-01

State purchases of bank data on suspected tax evaders from international tax havens constitute a potential tool to combat international tax evasion. Using self-compiled data for North-Rhine Westphalia on the timing and content of such data acquisitions from whistleblowers and on monthly voluntary disclosures of international tax evasion involving Swiss banks, we show that purchases of data by tax authorities on potential tax evaders have a positive and sizeable effect on voluntary disclosures.

25 CFR 170.303 - Can a tribe apply for loans or credit from a State infrastructure bank?

Science.gov (United States)

2010-04-01

... § 170.303 Can a tribe apply for loans or credit from a State infrastructure bank? Yes. Upon the request... facilitate obtaining loans and other forms of credit for an IRR project. A state infrastructure bank is a... 25 Indians 1 2010-04-01 2010-04-01 false Can a tribe apply for loans or credit from a State...

7 CFR 1160.104 - United States.

Science.gov (United States)

2010-01-01

... 7 Agriculture 9 2010-01-01 2009-01-01 true United States. 1160.104 Section 1160.104 Agriculture... Definitions § 1160.104 United States. United States means the 48 contiguous states in the continental United States and the District of Columbia, except that United States means the 50 states of the United States...

Effects of Economic Liberalization on the Flow of Commercial Banks Credit to Farmers in Rivers State, Nigeria

Directory of Open Access Journals (Sweden)

Allison-Oguru, EA.

2000-01-01

Full Text Available This study focuses on assessment of the effect of government's economic liberalization policy on the flow of commercial banks credit to farmers in Rivers State. The empirical analyses are based on information obtained from a sample of 25 out of the over 30 commercial banks operating in the State. Results from the analyses indicate that despite the deregulation of interest rates associated with economic liberalization, commercial banks in the State are unable to meet one-half of the loan requests of farmers. The flow of loanable funds can therefore not be said to have been enhanced by interest rates deregulation. It is argued that simply re-moving restrictions on interest rates is not a sufficient condition for enhanced flow of commercial bank credit to farmers in the State. Such a policy must be complemented with programmes of sharing initial risks and administrative costs between government and the private sector.

Dividend Performance in the United Arab Emirates Banking Sector

Directory of Open Access Journals (Sweden)

Mukdad Ibrahim

2016-10-01

Full Text Available The purpose of this study was to analyze the dividend performance of eight UAE based banks between the years 2001 and 2005. The analysis was undertaken by examining three sets of financial ratios that are routinely used to measure bank dividend performance. The main ratios that were employed put a particular focus on the banks’ ability to pay dividends in relation to market value of its share, earnings and ability to cover the payments. Descriptive statistical analysis was used to rank the performance, measuring the dispersion and the stability-variability of the indicators. Conclusions were then drawn from the computation of the descriptive analysis of ratios that allowed the author to make an effective comparison of said banks. This type of analysis was used to summarize the performance of each bank based on three criteria, mean, standard deviation and coefficient of variation of each banks performance. The findings showed that eight banks performed reasonably well during the period studied, but have different strategies in paying their dividends across the years under study. The analysis reveals that these banks have been affected by both internal and external factors.

Family cord blood banking for sickle cell disease: a twenty-year experience in two dedicated public cord blood banks.

Science.gov (United States)

Rafii, Hanadi; Bernaudin, Françoise; Rouard, Helene; Vanneaux, Valérie; Ruggeri, Annalisa; Cavazzana, Marina; Gauthereau, Valerie; Stanislas, Aurélie; Benkerrou, Malika; De Montalembert, Mariane; Ferry, Christele; Girot, Robert; Arnaud, Cecile; Kamdem, Annie; Gour, Joelle; Touboul, Claudine; Cras, Audrey; Kuentz, Mathieu; Rieux, Claire; Volt, Fernanda; Cappelli, Barbara; Maio, Karina T; Paviglianiti, Annalisa; Kenzey, Chantal; Larghero, Jerome; Gluckman, Eliane

2017-06-01

Efforts to implement family cord blood banking have been developed in the past decades for siblings requiring stem cell transplantation for conditions such as sickle cell disease. However, public banks are faced with challenging decisions about the units to be stored, discarded, or used for other endeavors. We report here 20 years of experience in family cord blood banking for sickle cell disease in two dedicated public banks. Participants were pregnant women who had a previous child diagnosed with homozygous sickle cell disease. Participation was voluntary and free of charge. All mothers underwent mandatory serological screening. Cord blood units were collected in different hospitals, but processed and stored in two public banks. A total of 338 units were stored for 302 families. Median recipient age was six years (11 months-15 years). Median collected volume and total nucleated cell count were 91 mL (range 23-230) and 8.6×10 8 (range 0.7-75×10 8 ), respectively. Microbial contamination was observed in 3.5% (n=12), positive hepatitis B serology in 25% (n=84), and homozygous sickle cell disease in 11% (n=37) of the collections. Forty-four units were HLA-identical to the intended recipient, and 28 units were released for transplantation either alone (n=23) or in combination with the bone marrow from the same donor (n=5), reflecting a utilization rate of 8%. Engraftment rate was 96% with 100% survival. Family cord blood banking yields good quality units for sibling transplantation. More comprehensive banking based on close collaboration among banks, clinical and transplant teams is recommended to optimize the use of these units. Copyright© Ferrata Storti Foundation.

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

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Tri Wahyuningsih

2016-09-01

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

Analisis Motivasi Ekstrintik Petani dalam Menabung di Bank Rakyat Indonesia(BRI Unit Ukui Kecamatan Ukui Kabupaten Pelalawan

Directory of Open Access Journals (Sweden)

Rizal Rizal

2016-12-01

Full Text Available The purpose of this research is to motivation extrinsic  analysis of the farmers in saving money in ukui unit bank rakyat indonesia (BRI. This article discusses about the extrinsic motivation of farmers in saving money in Ukui Unit BRI. This research is using interview method  86 selected sample by questionnaire. The data source used are primary data using a Likert's Summated Rating Scale (SLRs. This research was conducted in BRI Unit Ukui at Jalan Lintas Timur Ukui in Sub-District of Ukui, Pelalawan, and started from March 2015-August 2016. The results showed that the average of the extrinsic motivation of farmers in save in Ukui Unit BRI consisting of a service, product, promotion, interest and location are categorized as "high" with a score of 3.66. With respective scores are 4.06  for service categorized as "high", 3.51 for the products categorized as "high", 3.52 for promotion categorized as "high", 3.53 for interest categorized as "high" and 3.70 for location categorized as "high".Keywords: Motivation, saving money in bank, farmer

31 CFR 800.225 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 800.225 Section 800... TAKEOVERS BY FOREIGN PERSONS Definitions § 800.225 United States. The term United States or U.S. means the United States of America, the States of the United States, the District of Columbia, and any commonwealth...

Moderating Effects of Bank Ownership on the Relationship between Securitization Uptake and Financial Performance of Commercial Banks in Kenya

Directory of Open Access Journals (Sweden)

Paul Munene Muiruri

2015-06-01

Full Text Available Securitization is a process in which commercial banks can raise low-cost financing by assigning asset risks to investors’ appetite for risk. This has been one of the most dominant and fastest growing means of capital creation in the United States and the world over. After introduction of securitization, the banking industry in Kenya has recovered from a long period of poor performance. The aim of this study is to aim of study was to tests for the moderating effects of bank ownership on relationship between securitization uptake and financial performance of forty three commercial banks in Kenya, over a five-year period from 2009 to 2013. The researchers dominantly relied on secondary data from most recent annual published financial statements and banks supervision records at the Central Bank of Kenya. The data was complimented by use unstructured personal interview from 172 banks key officials; the mortgage, credit, risk and compliance and debt recovery who were identified by simple random sampling from each of 43 banks. The data were cross validated with information from secondary sources; five years annual published financial statements and bank supervision records at the Central Bank of Kenya so as to avoid premature conclusions. In line with the previous studies, the results indicate that the banks’ financial performance had been almost progressing over the operational periods considered for the study. The commendable performance in profitability of the banks was attributable to securitization uptake among banks. The study recommends banks to use securitization in ensuring they have adequate capital and bank managers to be allowed to invest their liquid assets so that can generate more income to boost their performance.

IMPLEMENTASI ISLAMIC CORPORATE GOVERNANCE DAN IMPLIKASINYA TERHADAP KINERJA BANK SYARIAH

Directory of Open Access Journals (Sweden)

Asrori -

2014-12-01

Full Text Available Penelitian ini bertujuan mengkaji implementasi Islamic corporate governance dan pengaruhnya terhadap kinerja bank syariah yang diukur menggunakan rasio-rasio keuangan Islami syari’ah conformity dan rasio-rasio keuangan konvensional  profitability. Populasi penelitian mencakup bank umum syariah (BUS dan unit usaha syariah (UUS. Pengumpulan data digunakan metode dokumentasi dengan unit analisis laporan keuangan dan self assesment good corporate governance BUS dan UUS yang terpilih sebagai sampel. Analisis data untuk menguji hipotesis digunakan regresi linier. Hasil penelitian menyatakan implementasi Islamic corporate governance pelaksanaan tugas dan tanggung jawab Dewan Pengawas Syariah (DPS berpengaruh positif terhadap kinerja bank syariah yang diukur menggunakan rasio-rasio keuangan syari’ah conformity  pembiayaan bagi hasil dan zakat, akan tetapi tidak berpengaruh positif  jika diukur menggunakan rasio pendapatan Islami. Implementasi Islamic corporate governance kepatuhan syariah berpengaruh positif terhadap kinerja bank syariah yang diukur menggunakan rasio-rasio keuangan syari’ah conformity  pembiayaan bagi hasil, pendapatan Islami dan zakat. Sedangkan implementasi Isamic corporate governance pelaksanaan tugas dan tanggung jawab DPS dan kepatuhan syariah tidak berpengaruh posisitf terhadap kinerja bank syariah yang diukur menggunakan rasio-rasio keuangan profitability  return on invesment,return on equity dan profit margin.This study aims to assess the implementation of Islamic corporate governance and its effect on the performance of Islamic banks as measured by Islamic financial ratios shari’ah conformity and konventional fiancial ratios profitability. The study population includes Islamic banks (Bank Umum Syariah/BUS and shari’a business units (Unit Usaha Syariah/UUS. The data collection methods used by documentation with unit analysis of financial statements and good corporate governance self-asessment BUS and UUS selected

7 CFR 1150.106 - United States.

Science.gov (United States)

2010-01-01

... 7 Agriculture 9 2010-01-01 2009-01-01 true United States. 1150.106 Section 1150.106 Agriculture... Order Definitions § 1150.106 United States. United States means the 48 contiguous States in the continental United States. ...

Malaria Treatment (United States)

Science.gov (United States)

... Providers, Emergency Consultations, and General Public. Contact Us Malaria Treatment (United States) Recommend on Facebook Tweet Share Compartir Treatment of Malaria: Guidelines For Clinicians (United States) Download PDF version ...

Controversies in hybrid banking: attitudes of Swiss public umbilical cord blood donors toward private and public banking.

Science.gov (United States)

Manegold, Gwendolin; Meyer-Monard, Sandrine; Tichelli, André; Granado, Christina; Hösli, Irene; Troeger, Carolyn

2011-07-01

Umbilical cord blood (UCB) stored in public inventories has become an alternative stem cell source for allogeneic stem cell transplantation. The potential use of autologous UCB from private banks is a matter of debate. In the face of the limited resources of public inventories, a discussion on "hybrid" public and private UCB banking has evolved. We aimed to explore the attitudes of the donating parents toward public and private UCB banking. A standardized, anonymous questionnaire was sent to the most recent 621 public UCB donors including items regarding satisfaction with recruitment process, the need for a second consent before release of the UCB unit for stem cell transplantation, and the donors' views on public and private UCB banking. Furthermore, we asked about their views on UCB research. Of the questionnaires, 48% were returned, and 16% were lost due to mail contact. Of our donors, 95% would donate to the public bank again. As much as 35% of them were convinced that public banking was useful. Whereas 27% had never heard about private UCB banking, 34% discussed both options. Nearly 70% of donors opted for public banking due to altruism and the high costs of private banking. Of our public UCB donors, 81% stated that they did not need a re-consent before UCB release for stem cell transplantation. In case of sample rejection, 53.5% wanted to know details about the particular research project. A total of 9% would not consent. Almost all donors would choose public banking again due to altruism and the high costs of private banking. Shortly after donation, mail contact with former UCB donors was difficult. This might be a relevant issue in any sequential hybrid banking.

E-banking services impact and customer satisfaction in selected bank branches in Ibadan metropolis, Oyo state, Nigeria

Directory of Open Access Journals (Sweden)

Haadi Babatunde Asiyanbi

2018-09-01

Full Text Available This study perused the impact of E-banking services on customer satisfaction of selected bank customers in bank branches located in Challenge, Dugbe, Agbeni, Gbagi, Ojoo, and Secretariat districts in Ibadan metropolis. The study employed a cross-sectional survey design and convenience sampling technique. One hundred (100 bank customers were surveyed through a self-report questionnaire. Four research questions and two hypotheses were tested using Pearson correlation analysis and, t-test for independence at p≤ 0.05. The results revealed high utilization of electronic banking products (ATM (98%, internet banking (85%, electronic transfer (97%. Constraints experienced include internet network failure, bank fraud and business loss due to failed e-transactions. Customers were satisfied with e-banking due to its cashless nature, cash accessibility, saves time from bank visitation and seamless transactions. The study exhibited that customers used and were glad with e-banking products. Customers’ segmentation and more investment in e-banking infrastructure were advised for promoting electronic banking services.

Neural Based Tabu Search method for solving unit commitment problem with cooling-banking constraints

Directory of Open Access Journals (Sweden)

Rajan Asir Christober Gnanakkan Charles

2009-01-01

Full Text Available This paper presents a new approach to solve short-term unit commitment problem (UCP using Neural Based Tabu Search (NBTS with cooling and banking constraints. The objective of this paper is to find the generation scheduling such that the total operating cost can be minimized, when subjected to a variety of constraints. This also means that it is desirable to find the optimal generating unit commitment in the power system for next H hours. A 7-unit utility power system in India demonstrates the effectiveness of the proposed approach; extensive studies have also been performed for different IEEE test systems consist of 10, 26 and 34 units. Numerical results are shown to compare the superiority of the cost solutions obtained using the Tabu Search (TS method, Dynamic Programming (DP and Lagrangian Relaxation (LR methods in reaching proper unit commitment.

40 CFR 60.4155 - Banking.

Science.gov (United States)

2010-07-01

... 40 Protection of Environment 6 2010-07-01 2010-07-01 false Banking. 60.4155 Section 60.4155 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) STANDARDS OF... Generating Units Hg Allowance Tracking System § 60.4155 Banking. (a) Hg allowances may be banked for future...

Preparative engineering on the Tomari Nuclear Power Station Unit 3. In-site measurement on wave pressure working to new type bank protection

International Nuclear Information System (INIS)

Matsumoto, Yoriaki; Hoshi, Hideki; Amano, Hideki

2003-01-01

The Tomari Nuclear Power Station Unit 3 is planned to construct it at sea-side area adjacent to southern-east portion of Unit 1 and 2, and has been carried out its preparative engineerings such as bank protection with about 670 m in length, its development, and so on, corresponding to it. Among them, as type of landfill for protection of important construction at its background the Amahata covered-block type bank protection developed by a series of hydrologic tests was adopted. This engineering was begun on March, 2001, and most of establishment on the landfill bank protection was finished on June, 2003. Then, an in-situ measurement aiming to obtain actual testing data and so on of wave pressure at this type of bank protection, was planned, to carry out its measurement at winter (October, 2002 to February, 2003) showing the highest wave at this sea area. Here were reported on relationship between incident wave and wave pressure feature working at new type bank protection together with describing on outlines of the in-situ measurement. (G.K.)

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

Modeling Banking, Sovereign, and Macro Risk in a CCA Global VAR

OpenAIRE

Dale F. Gray

2013-01-01

The purpose of this paper is to develop a model framework for the analysis of interactions between banking sector risk, sovereign risk, corporate sector risk, real economic activity, and credit growth for 15 European countries and the United States. It is an integrated macroeconomic systemic risk model framework that draws on the advantages of forward-looking contingent claims analysis (CCA) risk indicators for the banking systems in each country, forward-looking CCA risk indicators for sover...

7 CFR 65.255 - United States.

Science.gov (United States)

2010-01-01

... 7 Agriculture 3 2010-01-01 2010-01-01 false United States. 65.255 Section 65.255 Agriculture..., PEANUTS, AND GINSENG General Provisions Definitions § 65.255 United States. United States means the 50... United States. ...

The Relationship between the Efficiency, Service Quality and Customer Satisfaction for State-Owned Commercial Banks in China

Directory of Open Access Journals (Sweden)

Meehyang Chang

2017-11-01

Full Text Available In 2006, China fully opened up its financial markets. This means that the banking industry is facing a more severe competitive environment, which requires not only the operational efficiency of the bank but also customer satisfaction for the quality of service. As the reform and opening up policy started from the eastern costal areas in China, there are differences in economic development levels by the region, and so are the levels of financial development. Therefore, it is necessary to study the effect of regional differences on bank efficiency. Prior studies also showed a lot of limitations about using data envelopment analysis, in that the efficiencies of the bank are only measured without consideration of other managerial aspects of the service and customer satisfaction. Thus, this study aims to analyze the efficiencies of twenty state-owned commercial banks in five provinces of China. The relationships between bank efficiency, service quality, and customer satisfaction are analyzed. The data used for the analysis was obtained from the 2015 Chinese Banking Statistics. As a result, the average technical efficiency of twenty state-owned banks is as high as 81.9%. It is also found that the bank’s service quality has a positive impact on efficiency and customer satisfaction. In the case of banks that are located in areas with high economic levels, customer satisfaction is lower than that of banks in lower regions. This is because customers in high economic level regions have higher expectations for service quality and it leads to lower customer satisfaction.

7 CFR 1250.308 - United States.

Science.gov (United States)

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false United States. 1250.308 Section 1250.308 Agriculture... Research and Promotion Order Definitions § 1250.308 United States. United States means the 48 contiguous States of the United States of America and the District of Columbia. ...

7 CFR 1205.23 - United States.

Science.gov (United States)

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false United States. 1205.23 Section 1205.23 Agriculture... Procedures for Conduct of Sign-up Period Definitions § 1205.23 United States. The term United States means the 50 states of the United States of America. Procedures ...

31 CFR 597.318 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 597.318 Section 597... General Definitions § 597.318 United States. The term United States means the United States, its territories, states, commonwealths, districts, and possessions, and all areas under the jurisdiction or...

7 CFR 1219.26 - United States.

Science.gov (United States)

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false United States. 1219.26 Section 1219.26 Agriculture..., AND INFORMATION Hass Avocado Promotion, Research, and Information Order Definitions § 1219.26 United States. United States means collectively the several 50 States of the United States, the District of...

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...

7 CFR 1212.31 - United States.

Science.gov (United States)

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false United States. 1212.31 Section 1212.31 Agriculture..., Consumer Education, and Industry Information Order Definitions § 1212.31 United States. “United States... territories and possessions of the United States. ...

22 CFR 120.13 - United States.

Science.gov (United States)

2010-04-01

... 22 Foreign Relations 1 2010-04-01 2010-04-01 false United States. 120.13 Section 120.13 Foreign... United States. United States, when used in the geographical sense, includes the several states, the Commonwealth of Puerto Rico, the insular possessions of the United States, the District of Columbia, the...

Identifying the valuation effects and agency costs of corporate diversification : Evidence from the geographic diversification of U.S. banks

NARCIS (Netherlands)

Laeven, L.; Goetz, M.; Levine, R.

2013-01-01

This paper assesses the impact of the geographic diversification of bank holding company (BHC) assets across the United States on their market valuations. Using two new identification strategies based on the dynamic process of interstate bank deregulation, we find that exogenous increases in

31 CFR 592.311 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 592.311 Section 592... § 592.311 United States. The term United States, when used in the geographic sense, means the several States, the District of Columbia, and any commonwealth, territory, or possession of the United States. ...

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

7 CFR 1205.313 - United States.

Science.gov (United States)

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false United States. 1205.313 Section 1205.313 Agriculture... Research and Promotion Order Definitions § 1205.313 United States. United States means the 50 States of the United States of America. [31 FR 16758, Dec. 31, 1966. Redesignated at 56 FR 64472, Dec. 10, 1991] ...

Family-directed umbilical cord blood banking.

Science.gov (United States)

Gluckman, Eliane; Ruggeri, Annalisa; Rocha, Vanderson; Baudoux, Etienne; Boo, Michael; Kurtzberg, Joanne; Welte, Kathy; Navarrete, Cristina; van Walraven, Suzanna M

2011-11-01

Umbilical cord blood transplantation from HLA-identical siblings provides good results in children. These results support targeted efforts to bank family cord blood units that can be used for a sibling diagnosed with a disease which can be cured by allogeneic hematopoietic stem cell transplantation or for research that investigates the use of allogeneic or autologous cord blood cells. Over 500 patients transplanted with related cord blood units have been reported to the Eurocord registry with a 4-year overall survival of 91% for patients with non-malignant diseases and 56% for patients with malignant diseases. Main hematologic indications in children are leukemia, hemoglobinopathies or inherited hematologic, immunological or metabolic disorders. However, family-directed cord blood banking is not widely promoted; many cord blood units used in sibling transplantation have been obtained from private banks that do not meet the necessary criteria required to store these units. Marketing by private banks who predominantly store autologous cord blood units has created public confusion. There are very few current validated indications for autologous storage but some new indications might appear in the future. Little effort is devoted to provide unbiased information and to educate the public as to the distinction between the different types of banking, economic models and standards involved in such programs. In order to provide a better service for families in need, directed-family cord blood banking activities should be encouraged and closely monitored with common standards, and better information on current and future indications should be made available.

Empirical Assessment on Financial Regulations and Banking Sector Performance

Directory of Open Access Journals (Sweden)

Igbinosa S.

2017-09-01

Full Text Available This study examines financial regulation and banking sector performance in Nigeria. Specifically, the study determines the impact of reforms on banking sector performance and also assesses the nexus between capital adequacy and banking sector performance. Time series data for the period 1993 to 2014 was used. As an analytical tool, the study uses unit root test to determine the stationary state of the variables. We also employed the Johansson co-integration and error correction model (ECM statistical techniques to establish both short-run and long-run dynamic relationships between the endogenous and exogenous variables. The empirical findings indicate that financial regulation significantly impacts the banking sector performance while financial regulation has both short-run and long-run dynamic relationships with the banking sector performance in Nigeria. It was found that the four-period lag of capital adequacy negatively affects banking sector performance and is not statistically significant. The paper suggests that the Central Bank of Nigeria (CBN should continually make public the impacts that the various financial regulations and reforms have on the performance of Nigerian banks. Majority of the policies on financial regulation by the apex bank (CBN need to be long-run which can enable confidence of stakeholders, shareholders and the general public in the Nigerian banking industry when critically evaluated.

31 CFR 542.310 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 542.310 Section 542.310 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF....310 United States. The term United States means the United States, its territories and possessions...

31 CFR 548.310 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 548.310 Section 548.310 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF....310 United States. The term United States means the United States, its territories and possessions...

31 CFR 546.310 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 546.310 Section 546.310 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF....310 United States. The term United States means the United States, its territories and possessions...

31 CFR 586.318 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 586.318 Section 586...) KOSOVO SANCTIONS REGULATIONS General Definitions § 586.318 United States. The term United States means the United States, its territories and possessions, and all areas under the jurisdiction or authority...

31 CFR 537.318 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 537.318 Section 537.318 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF....318 United States. The term United States means the United States, its territories and possessions...

31 CFR 585.316 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 585.316 Section 585.316 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... General Definitions § 585.316 United States. The term United States means the United States, its...

31 CFR 575.319 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 575.319 Section 575.319 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF....319 United States. The term United States means the United States, its territories and possessions...

31 CFR 539.312 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 539.312 Section 539.312 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... General Definitions § 539.312 United States. The term United States means the United States, its...

31 CFR 551.309 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 551.309 Section 551.309 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF....309 United States. The term United States means the United States, its territories and possessions...

31 CFR 587.310 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 587.310 Section 587...) MILOSEVIC SANCTIONS REGULATIONS General Definitions § 587.310 United States. The term United States means the United States, its territories and possessions, and all areas under the jurisdiction or authority...

31 CFR 547.310 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 547.310 Section 547.310 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... General Definitions § 547.310 United States. The term United States means the United States, its...

Application of the Lean Office philosophy and mapping of the value stream in the process of designing the banking units of a financial company

Directory of Open Access Journals (Sweden)

Nelson Antônio Calsavara

2016-09-01

Full Text Available The purpose of this study is to conduct a critical analysis of the effects of Lean Office on the design process of the banking units of a financial company and how the implementation of this philosophy may contribute to productivity, thus reducing implementation time. A literature review of the Toyota Production System was conducted, as well as studies on its methods, with advancement to lean thinking and consistent application of Lean philosophies in services and Office. A bibliographic and documentary survey of the Lean processes and procedures for opening bank branches was taken. A Current State Map was developed, modeling the current operating procedures. Soon after the identification and analysis of waste, proposals were presented for reducing deadlines and eliminating and grouping stages, with consequent development of the Future State Map, implementation and monitoring of stages, and the measurement of estimated time gains in operation, demonstrating an estimated 45% reduction, in days, from start to end of the process, concluding that the implementation of the Lean Office philosophy contributed to the process.

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

Directory of Open Access Journals (Sweden)

ALINA LIGIA DUMITRESCU

2014-11-01

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

31 CFR 598.317 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 598.317 Section 598.317 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... Definitions § 598.317 United States. The term United States means the United States, its territories and...

31 CFR 596.312 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 596.312 Section 596.312 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... General Definitions § 596.312 United States. The term United States means the United States, including its...

31 CFR 538.314 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 538.314 Section 538.314 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... § 538.314 United States. The term United States means the United States, its territories and possessions...

31 CFR 543.310 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 543.310 Section 543.310 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... Definitions § 543.310 United States. The term United States means the United States, its territories and...

31 CFR 594.313 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 594.313 Section 594.313 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... Definitions § 594.313 United States. The term United States means the United States, its territories and...

31 CFR 588.310 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 588.310 Section 588.310 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... Definitions § 588.310 United States. The term United States means the United States, its territories and...

31 CFR 536.315 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 536.315 Section 536.315 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... Definitions § 536.315 United States. The term United States means the United States, its territories and...

31 CFR 544.310 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 544.310 Section 544.310 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... REGULATIONS General Definitions § 544.310 United States. The term United States means the United States, its...

31 CFR 545.313 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 545.313 Section 545.313 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... Definitions § 545.313 United States. The term United States means the United States, its territories and...

31 CFR 595.314 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 595.314 Section 595.314 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... § 595.314 United States. The term United States means the United States, its territories and possessions...

31 CFR 560.307 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 560.307 Section 560.307 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... § 560.307 United States. The term United States means the United States, including its territories and...

31 CFR 593.311 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 593.311 Section 593.311 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... REGULATIONS General Definitions § 593.311 United States. The term United States means the United States, its...

31 CFR 541.310 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 541.310 Section 541.310 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... § 541.310 United States. The term United States means the United States, its territories and possessions...

31 CFR 540.313 - United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States. 540.313 Section 540.313 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE OF... REGULATIONS General Definitions § 540.313 United States. The term United States means the United States, its...

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

Directory of Open Access Journals (Sweden)

Sri Hastuti

2011-10-01

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

HUBUNGAN KADAR OVERNIGHT MONEY ANTARA BANK KONVENSIONAL DENGAN BANK ISLAM: BUKTI EMPIRIKAL DI MALAYSIA

OpenAIRE

Zulkefly Abdul Karim; Norain Mod Asri; M. Farid Wajdi; Antoni Antoni

2007-01-01

The objective of this study is to examine the relationship between overnight money of Islamic bank and conventional bank based on daily data begins from 12th October 1998 until 10th June 2005. This study is important to determine whether overnight money of conventional bank or overnight money of Islamic bank, become the leader or follower in the interbank money market. The econometrics tests such as unit root test, VAR model and Granger causality test have been applied. Result sho...

7 CFR 1206.23 - United States.

Science.gov (United States)

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false United States. 1206.23 Section 1206.23 Agriculture... INFORMATION Mango Promotion, Research, and Information Order Definitions § 1206.23 United States. United... Rico, and the territories and possessions of the United States. ...

7 CFR 1215.20 - United States.

Science.gov (United States)

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false United States. 1215.20 Section 1215.20 Agriculture Regulations of the Department of Agriculture (Continued) AGRICULTURAL MARKETING SERVICE (MARKETING AGREEMENTS... United States. United States means all of the States. Popcorn Board ...

Estimating a theoretical model of state banking competition using a dynamic panel: the Brazilian case

Directory of Open Access Journals (Sweden)

Fábio A. Miessi Sanches

2009-03-01

Full Text Available In this paper we set up a model of regional banking competition based on Bresnahan (1982, Lau (1982 and Nakane (2002. The structural model is estimated using data from eight Brazilian states and a dynamic panel. The results show that on average the level of competition in the Brazilian banking system is high, even tough the null of perfect competition can be rejected at the usual significance levels. This result also prevails at the state level: Rio Grande do Sul, São Paulo, Rio de Janeiro, Pernambuco and Minas Gerais have high degree of competition.

7 CFR 1280.127 - United States.

Science.gov (United States)

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false United States. 1280.127 Section 1280.127 Agriculture... INFORMATION ORDER Lamb Promotion, Research, and Information Order Definitions § 1280.127 United States. United States means collectively the 50 States and the District of Columbia. ...

7 CFR 1260.108 - United States.

Science.gov (United States)

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false United States. 1260.108 Section 1260.108 Agriculture Regulations of the Department of Agriculture (Continued) AGRICULTURAL MARKETING SERVICE (MARKETING AGREEMENTS... Promotion and Research Order Definitions § 1260.108 United States. United States means the 50 States and the...

7 CFR 1221.32 - United States.

Science.gov (United States)

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false United States. 1221.32 Section 1221.32 Agriculture... INFORMATION ORDER Sorghum Promotion, Research, and Information Order Definitions § 1221.32 United States. United States or U.S. means collectively the 50 States, the District of Columbia, the Commonwealth of...

7 CFR 1216.30 - United States.

Science.gov (United States)

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false United States. 1216.30 Section 1216.30 Agriculture... INFORMATION ORDER Peanut Promotion, Research, and Information Order Definitions § 1216.30 United States. United States means collectively the 50 states, the District of Columbia, the Commonwealth of Puerto Rico...

7 CFR 1218.22 - United States.

Science.gov (United States)

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false United States. 1218.22 Section 1218.22 Agriculture... INFORMATION ORDER Blueberry Promotion, Research, and Information Order Definitions § 1218.22 United States. United States means collectively the 50 states, the District of Columbia, the Commonwealth of Puerto Rico...

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.

7 CFR 1210.315 - United States.

Science.gov (United States)

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false United States. 1210.315 Section 1210.315 Agriculture... PLAN Watermelon Research and Promotion Plan Definitions § 1210.315 United States. United States means each of the several States and the District of Columbia. [60 FR 10797, Feb. 28, 1995] National...

The Outer Banks of North Carolina

Science.gov (United States)

Dolan, Robert; Lins, Harry F.; Smith, Jodi Jones

2016-12-27

The Outer Banks of North Carolina are excellent examples of the nearly 300 barrier islands rimming the Atlantic and Gulf coasts of the United States. These low, sandy islands are among the most dynamic natural landscapes occupied by man. Beach sands move offshore, onshore, and along the shore in the direction of the prevailing longshore currents. In this way, sandy coasts continuously adjust to different tide, wave, and current conditions and to rising sea level that causes the islands to migrate landward.Despite such changes, barrier islands are of considerable environmental importance. The Outer Banks are home to diverse natural ecosystems that are adapted to the harsh coastal environment. Native species tend to be robust and many are specifically adapted to withstand salt spray, periodic saltwater flooding, and the islands’ well-drained sandy soil. The Outer Banks provide an important stopover for birds on the Atlantic flyway, and many species inhabit the islands year round. In addition, Outer Banks beaches provide an important nesting habitat for five endangered or threatened sea turtle species.European explorers discovered North Carolina’s barrier islands in the 16th century, although the islands were not permanently settled until the middle 17th century. By the early 19th century, shipbuilding and lumber industries were among the most successful, until forest resources were depleted. Commercial fishing eventually followed, and it expanded considerably after the Civil War. By the Great Depression, however, little industry existed on the Outer Banks. In response to the effects of a severe hurricane in 1933, the National Park Service and the Civilian Conservation Corps proposed a massive sand-fixation program to stabilize the moving sand and prevent storm waves from sweeping across the entire width of some sections of the islands. Between 1933 and 1940, this program constructed sand fencing on 185 kilometers (115 miles) of beach and planted grass seedlings

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...

A case management agency and bank create a service innovation.

Science.gov (United States)

Katz, K S; Stowe, A W

1992-01-01

Connecticut Community Care, Inc. (CCCI), a statewide, nonprofit case management agency, in collaboration with Connecticut National Bank (CNB), developed a unique model of delivering case management services to bank trust clients. No reports of such a collaborative model have been found in the published literature in the United States. The article presents a historical overview of this innovative initiative; the identification of the target population; the delivery of the assessment, coordination, and monitoring services; and the marketing techniques. Utilization statistics, a synopsis of the model outcomes as viewed by the trust officers, and suggestions for replication are also presented.

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

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

Directory of Open Access Journals (Sweden)

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

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

Science.gov (United States)

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

2015-01-01

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

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

Science.gov (United States)

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

2015-01-01

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

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

Directory of Open Access Journals (Sweden)

Jeremy Magalon

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

SEEDS BANK OF BOTANICAL GARDEN OF CHECHEN STATE UNIVERSITY

Directory of Open Access Journals (Sweden)

R. S. Erzhapova

2013-01-01

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

Skin banking at a regional burns centre-The way forward.

Science.gov (United States)

Keswani, Sunil Manohar; Mishra, Mukesh Gopinath; Karnik, Shilpa; Dutta, Shruti; Mishra, Mamata; Panda, Sangita; Varghese, Reshmi; Virkar, Tanvi; Upendran, Vaishna

2018-04-13

In India approximately 1 million people get burnt every year and most of them are from the lower or middle income strata. Therefore it is obligatory to find out an economic way of treatment for the affected populace. Since use of human skin allograft is the gold standard for the treatment of burn wound, in-house skin banking for a burn unit hospital is prerequisite to make the treatment procedure affordable. Although, there was one skin bank at India till 2009, but it was difficult for a single bank to cover the entire country's need. Looking at the necessities, National Burns Centre (a tertiary burn care centre) along with Rotary International and Euro Skin Bank collaborated and developed an effective cadaveric skin banking model in Mumbai, Maharashtra in 2009. Initial two to three years were formation phase; by the year 2013 the entire system was organized and started running full fledged. The model has also been replicated in other states of India to accommodate the large burn population of the country. This paper therefore, gives a step by step account of how the bank evolved and its present status. Copyright © 2017. Published by Elsevier Ltd.

Mediation a Conflict Solving Modality in the Banking Area

Directory of Open Access Journals (Sweden)

George MĂGUREANU

2015-08-01

Full Text Available The overall objective of the paper is a current topic of a real interest for the reasonable solution of the conflicts which emerge in the banking area. Using the method resulted from a detailed analysis of the field literature and the judiciary practice, the article manages to identify the amplitude and generic principles of solving the litigations in the commercial area through alternative methods to the state justice, overcharged with cases, within the context of the European Union’s regulations and implicitly at the national level. Therefore, we shall perform an analysis of the following objectives: the concept of conflict solving through alternative methods to the state justice, reasonable solution of the conflicts with the possibility of preserving the relations between the partners, the application of the privacy principle. Mediation in the banking area aims at solving the conflicts between the credit institutions, banks or the non-banking institutions and their customers by a person with a special training in the mediation area, independent from the two parties, through a more simplified procedure, so that the relation between the credit unit and its customer should remain a partnership. The paper may contribute to the development of the legislation on the more rapid resolution of this type of litigations; it is useful for the law practitioners: judges, lawyers, counsels, teaching staff and also for the business people in the banking area.

Toll Facilities in the United States - Toll Facilities in the United States

Data.gov (United States)

Department of Transportation — Biennial report containing selected information on toll facilities in the United States that has been provided to FHWA by the States and/or various toll authorities...

12 CFR 34.84 - Future bank expansion.

Science.gov (United States)

2010-01-01

..., the bank shall state, by resolution of the board of directors or an appropriately authorized bank... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Future bank expansion. 34.84 Section 34.84 Banks and Banking COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY REAL ESTATE LENDING AND...

Danske Bank - Imagekrise

OpenAIRE

Agerlin, Anne; Holmqvist, Maja

2014-01-01

This report examines and analyses the difference between Danske Bank's perception of themselves and the world's perception of the bank. The difference is illustrated, because tendency shows that boundaries have an effect on Danske Bank's image. We search through collected articles in a social constructivist perspective to handle both Danske Bank’s perception and the world’s perception. The empirical foundation has made it possible to process and interpret the stated problems. The adaptation i...

Oil Vulnerabilities and United States Strategy

Science.gov (United States)

2007-02-08

Mazda, Mercedes - Benz , Ford, Mercury, and Nissan offer flexible fuel vehicles in the United States. Ethanol is currently produced in the United States...USAWC STRATEGY RESEARCH PROJECT OIL VULNERABILITIES AND UNITED STATES STRATEGY by Colonel Shawn P. Walsh...Colleges and Schools, 3624 Market Street, Philadelphia, PA 19104, (215) 662-5606. The Commission on Higher Education is an institutional accrediting

IMPACT of FINANCIAL CRISIS 2008-2009 on BANKING SECTOR STRUCTURE IN UKRAINE

Directory of Open Access Journals (Sweden)

N. Versal

2015-10-01

Full Text Available The article deals with the changes in the structure of Ukraine’s banking sector caused by the crisis 2008 – 2009. The research covers the pre-crisis stage (early 2008, the stage of the impact of the global financial crisis (end of 2008 – 2009, the stage of post-crisis development (2010 – 2013. The analysis is done in two areas: the analysis of the consequences of redistribution of responsibilities between the Deposit Guarantee Fund (the DGF and the National Bank of Ukraine (the NBU and the analysis of changes in the structure of the banking sector (the redistribution of the market between the four groups of banks in terms of assets, state-owned banks and other banks, foreign banks and domestic banks. It is possible to talk about the positive aspects arising from the redistribution of responsibilities between the NBU and the DGF, namely in terms of depositors’ protection strengthening due to reducing the term of the interim administration, eliminating the moratorium on payments to depositors etc. However, it is impossible to make an unambiguous conclusion that these changes have had a positive effect on the level of depositor’s confidence in banks. It turned out to be factors that are more important: economic and political situation in the country. The changes in the structure of the banking sector had a crucial character. Characteristic tendencies for each block of banks have been determined based on an analysis of indicators such as total assets, loans to legal entities and individuals, total liabilities, liabilities of legal entities and individuals, equity and equity multiplier. The financial crisis has revealed deep problems in the banking sector and has caused essential transformation processes: the redistribution of the banking market in favor of banks, which enjoyed the confidence of customers. Research shows that such banks in the unit of banks in terms of assets are banks of 2 and 4 groups; banks in the block by the presence

31 CFR 596.313 - United States person.

Science.gov (United States)

2010-07-01

... FOREIGN ASSETS CONTROL, DEPARTMENT OF THE TREASURY TERRORISM LIST GOVERNMENTS SANCTIONS REGULATIONS General Definitions § 596.313 United States person. The term United States person means any United States...

Nuclear development in the United States

International Nuclear Information System (INIS)

Brewer, S.

1983-01-01

The history of the nuclear development in the United States has been one of international cooperation relations so far. The United States is to offer the technical information on atomic energy utilization to foreign countries in exchange for the guarantee that they never attempt to have or develop nuclear weapons. Actually, the United States has supplied the technologies on nuclear fuel cycle and other related fields to enable other countries to achieve economical and social progress. The Department of Energy clarified the public promise of the United States regarding the idea of international energy community. The ratio of nuclear power generation to total electric power supply in the United States exceeded 12%, and will exceed 20% by 1990. Since 1978, new nuclear power station has not been ordered, and some of the contracted power stations were canceled. The atomic energy industry in the United States prospered at the beginning of 1970s, but lost the spirit now, mainly due to the institutional problems rather than the technical ones. As the policy of the government to eliminate the obstacles, the improvement of the procedure for the permission and approval, the establishment of waste disposal capability, the verification of fast breeder reactor technology and the promotion of commercial fuel reprocessing were proposed. The re-establishment of the United States as the reliable supplier of atomic energy service is the final aim. (Kako, I.)

Towards Open Knowledge : The State of World Bank Knowledge Services

OpenAIRE

World Bank

2011-01-01

This first World Bank Knowledge Report launches what is intended as a series of World Bank Knowledge Reports. Although knowledge is a fundamental to the Bank s overall mission, and informs all of the Bank s development activities, it has not received the same degree of attention from management that has been accorded to its lending activities. By paying attention to knowledge work as a dis...

Il controllo degli istituti finanziari in Gran Bretagna: problemi e proposte. (Regulation and control of the United Kingdom banking and financial structure

Directory of Open Access Journals (Sweden)

J.S.G. WILSON

2014-08-01

Full Text Available Britain has tended to avoid, except as a last resort, formal regulatory arrangements. Indeed, bank regulation so far has largely been by “suasion”, with no formal framework for bank examination and inspection. There seems now, however, to be an awakening interest in the possibility of a more comprehensive regulation of financial institutions, due in part to the splitting off a “secondary” banking system, and the emergence of a complex of parallel money markets. The present work analyses the regulation and control of the banking and financial structure in the United Kingdom. The author first briefly considers the extent of relevant legislation that is currently found on the statute books. The main objectives of any comprehensive legislation to regulate banks and similar financial institutions are then outlined. Finally, the appropriate legislation to achieve such objectives is considered.JEL: G18, G28

Umbilical cord blood for unrelated bone marrow replacement; Asia bank and Japan cord blood bank network update.

Science.gov (United States)

Mugishima, Hideo; Takahashi, Tuneo; Nagamura, Tokiko; Asano, Sigetaka; Saito, Hidehiko

2002-08-01

Cord blood offers many advantages including a high concentration of hematopoietic stem cells, a large number of potential donors, and ease of harvest. Furthermore, since there is no risk for either the mother or baby, few people refuse to donate. There is thought to be a low risk for virus contamination and also probably a low incidence and severity of GVHD. Cord blood can be obtained quickly without the assistance of a coordinator and one or 2 locus-mismatched HLA is usually acceptable. In Japan, there are 10 cord blood banks supported by the government. Between 1996 and June 2002, 9,500 units were registered with the Japan cord blood bank network (JCBBN). 630 units were delivered and most of these were transplanted. The status of registered cord blood units worldwide is shown. 59,081 units have been registered by NETCORD. The Japan cord blood bank network accounts for 13% of these units. I will discuss the Tokyo cord blood tank (TCBB). The bank at Tokyo, to which we belong, is one of the largest banks in Japan. We helped to establish Asia CORD in 2000 and have held annual conferences and meetings in Tokyo to exchange information. So far, China, Korea, Taiwan, Thailand, Viet Nam and Japan have participated. We accepted three trainees from the Ho Chi Minh City Blood Transfusion and Hematology Center for training in cord blood transplantation in May 2001. In January 2002, a patient with ALL received cord blood and was successfully engrafted at Ho Chi Minh City Blood Transfusion and Hematology Center. We present here the clinical outcome of these patients through Tokyo cord blood bank and Japan cord blood bank network. First, the number of CB units stored and registered at JCBBN and TCBB has increased rapidly over the past two years. Second, the survival rate of acute leukemia patients in release was significantly lower than that in patients in CR. Third, the engraftment rate in patients with metabolic disease (50%) was lower than that in patients with leukemia

BANKING WITHOUT INTEREST

Directory of Open Access Journals (Sweden)

Jana Ilieva

2017-06-01

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

78 FR 70274 - United States Travel and Tourism Advisory Board: Meeting of the United States Travel and Tourism...

Science.gov (United States)

2013-11-25

... DEPARTMENT OF COMMERCE International Trade Administration United States Travel and Tourism Advisory Board: Meeting of the United States Travel and Tourism Advisory Board AGENCY: International Trade... the schedule and agenda for an open meeting of the United States Travel and Tourism Advisory Board...

78 FR 3398 - United States Travel and Tourism Advisory Board: Meeting of the United States Travel and Tourism...

Science.gov (United States)

2013-01-16

... DEPARTMENT OF COMMERCE International Trade Administration United States Travel and Tourism Advisory Board: Meeting of the United States Travel and Tourism Advisory Board AGENCY: International Trade... the schedule and agenda for an open meeting of the United States Travel and Tourism Advisory Board...

Causal Relationship between Liquidity and Profitability of Nigerian Deposit Money Banks

OpenAIRE

Odunayo M. Olarewaju; Oluwafeyisayo K. Adeyemi

2015-01-01

The aim of this paper is to examine the existence and direction of causality between liquidity and profitability of deposit money banks in Nigeria. Fifteen quoted banks out of the existing nineteen banks were selected for the study. They are; Guarantee Trust bank, Zenith bank, Skye bank, Wema bank, Sterling bank, First City Monument bank, United Bank for Africa, Eco bank, First bank, Access bank, Diamond bank, Unity bank, Fidelity bank, Union bank and IBTC bank. Pairwise Granga Causality test...

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

Directory of Open Access Journals (Sweden)

Galina S. Panova

2016-01-01

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

KEPUASAN NASABAH TERHADAP BANK DAN DANA PIHAK KETIGA UNIT USAHA SYARIAH BNI

Directory of Open Access Journals (Sweden)

Is Eka Herawati

2013-03-01

Full Text Available Development of Islamic syariah banking industry still has its drawback, some of it were peoples understanding on the bank operational, narrow network, and limited skilled of human resources on syariah bank. The development of syariah bank depends on its ability to deliver excellent services to people who need product and service of Islamic syariah bank. One measure of excellent service and product is customer satisfaction. The result of this study showed that the reason in choosing BNI Syariah was not only religious factor but its quality of service which should be improved. In general, UUS BNI performance in all attributes of bank and deposit fund product have not satisfied its customers because there were still discrepancies between their actual and expected services. The most importance bank attributes according to the respondents were strategic location, branches network, credibility, professionalism, syariah ideology and hospitality. The most importance deposit fund product attributes according to the respondens were security of fund, convenience procedure of fund withdrawal, profit and loss sharing principle and technology. According to the results there were 4 (four options of marketing strategies recommended to UUS BNI in order to be more competitive in the market. Firstly, UUS BNI has to be able to create image as Islamic and professional banking. Secondly, UUS BNI has to develop market through additional of branches. Thirdly, UUS BNI has to improve its technology by adding features on ATM technology. Fourthly, UUS BNI has to offer more attractive profit sharing. Perkembangan perbankan syariah masih memiliki banyak hambatan, antara lain pemahaman atas operasional bank syariah, jumlah jaringan bank syariah dan keahlian sumber daya manusia dibidang bank syariah. Perkembangan perbankan syariah yang baik tergantung dari kemampuan memberikan produk dan jasa yang baik kepada nasabah. Satu ukuran tentang pemberian produk dan jasa yang baik

United States housing, 2012

Science.gov (United States)

Delton Alderman

2013-01-01

Provides current and historical information on housing market in the United States. Information includes trends for housing permits and starts, housing completions for single and multifamily units, and sales and construction. This report will be updated annually.

Factors influencing bank geomorphology and erosion of the Haw River, a high order river in North Carolina, since European settlement.

Science.gov (United States)

Macfall, Janet; Robinette, Paul; Welch, David

2014-01-01

The Haw River, a high order river in the southeastern United States, is characterized by severe bank erosion and geomorphic change from historical conditions of clear waters and connected floodplains. In 2014 it was named one of the 10 most threatened rivers in the United States by American Rivers. Like many developed areas, the region has a history of disturbance including extensive upland soil loss from agriculture, dams, and upstream urbanization. The primary objective of this study was to identify the mechanisms controlling channel form and erosion of the Haw River. Field measurements including bank height, bankfull height, bank angle, root depth and density, riparian land cover and slope, surface protection, river width, and bank retreat were collected at 87 sites along 43.5 km of river. A Bank Erosion Hazard Index (BEHI) was calculated for each study site. Mean bank height was 11.8 m, mean width was 84.3 m, and bank retreat for 2005/2007-2011/2013 was 2.3 m. The greatest bank heights, BEHI values, and bank retreat were adjacent to riparian areas with low slope (<2). This is in contrast to previous studies which identify high slope as a risk factor for erosion. Most of the soils in low slope riparian areas were alluvial, suggesting sediment deposition from upland row crop agriculture and/or flooding. Bank retreat was not correlated to bank heights or BEHI values. Historical dams (1.2-3 m height) were not a significant factor. Erosion of the Haw River in the study section of the river (25% of the river length) contributed 205,320 m3 of sediment and 3759 kg of P annually. Concentration of suspended solids in the river increased with discharge. In conclusion, the Haw River is an unstable system, with river bank erosion and geomodification potential influenced by riparian slope and varied flows.

The rise and growth of Serbian banking until World war I: Part one: Creation of preconditions for the rise of Serbian banking until 1878

Directory of Open Access Journals (Sweden)

Stojanović Biljana

2016-01-01

Full Text Available The development of Serbian banking during the 19th century was a gradual process that underwent two distinctive stages with the turning point in 1878 when Serbia became an independent state by the international agreement concluded at the Berlin Peace Conference. In the first stage, until 1878, the vassal state of Serbia had been introducing necessary political, economic and institutional preconditions for the rise of banking that led to the creation of the first organized credits and banks. At the end of this stage, there were two types of proper banks: state banks and privately-owned banks. Since the authorities of the vassal state of Serbia played a key role in preparing institutional framework for the banking operations and in organizing the first credit facilities, it could be argued that Serbian banking arose in the 19th century as a result of both state-backed and growthinduced processes.

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

Energy Technology Data Exchange (ETDEWEB)

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

2016-03-01

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

Surficial geology and shaded seafloor relief of Georges Bank, Fundian Channel and Northeast Channel, Gulf of Maine

Science.gov (United States)

Todd, B.J.; Valentine, Page C.

2015-01-01

Georges Bank is a shallow submarine bank that lies south of Nova Scotia and east of Cape Cod and bounds the seaward side of the Gulf of Maine. The international boundary between Canada and the United States transects the bank, and the eastern part of the bank (~7500 square kilometres) lies in Canadian territory. This map shows the surficial geology of a part of Georges Bank at a scale of 1:50 000. This map has companion topographic and backscatter strength maps. These companion maps provide a basis for interpreting the origin of seafloor features and the nature of materials that form the seafloor. The maps are based on multibeam-sonar surveys conducted in 1999 and 2000 to map 11,965 square kilometres of the seafloor.

Ohio Department of Transportation State Infrastructure Bank Annual Financial Report : Federal Fiscal Year 2009

Science.gov (United States)

2009-01-01

The Ohio Department of Transportation is pleased to present the Federal : Fiscal Year (FFY) 2009 State Infrastructure Bank (SIB) Annual Financial : Report. : The portfolio of the FFY 2009 SIB had a total of nine loans totaling $9.0 : million and one ...

78 FR 7430 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2013-02-01

..., China; Min Yang Thian of Kuala Lumpur, Malaysia; Min Jie Thian of New York, New York; United Overseas... shares of RBB Bancorp, and thereby indirectly retain voting shares of Royal Business Bank, both in Los...

The importance of reallocation for productivity growth: Evidence from European and US banking

NARCIS (Netherlands)

Bos, J.W.B.; van Santen, P.C.; Schilp, P.

2013-01-01

This paper quantifies the effect of reallocation dynamics on aggregate productivity developments in the banking sectors of Europe and the United States. We document an increase in productivity over the period 1995-2009, on the order of 11% in the US and 19% in Europe. At an annual frequency,

TRAINING OF THE STATE PRESIDENT'S UNIT

African Journals Online (AJOL)

The primary function of the State President's Unit is to protect the head of state - not his person as is generally believed, but his authority over the state. Ironically, the ceremonial performances of the State President's Unit lead people to believe that they are only capable of doing drill exer- cises. However, upon investigating.

CENTRAL BANK INDEPENDENCE AND INFLATION TARGETING - THE BRITISH EXPERIENCE

Directory of Open Access Journals (Sweden)

David Delia

2010-07-01

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

Bank Accounts for Public Finance Agencies Income

Directory of Open Access Journals (Sweden)

Paweł Lenio

2014-03-01

Full Text Available The subject of this paper are bank accounts for public finance agencies income. The article describes characteristics of accounts for all three kinds of agencies: government and municipal units working in regards to statue of education and units with headquarters in foreign countries. The author presents a detailed directory of income for particular accounts and the allocation of said income. This paper also deals with the optionality of those dedicated bank accounts and the competence for erecting them. In a smaller scope there are presented the controversies of establishing bank accounts for public finance agencies income in the past, before the current statue of public finance.

Ohio Department of Transportation State Infrastructure Bank Annual Financial Report : Federal Fiscal Year 2004

Science.gov (United States)

2004-01-01

The Ohio Department of Transportation is pleased to present the Federal Fiscal : Year 2004 State Infrastructure Bank (SIB) Annual Financial Report. The portfolio of : the FFY 04 SIB had a total of nineteen loans in the amount of $47,340,891. : A comp...

Ohio Department of Transportation State Infrastructure Bank Annual Financial Report : Federal Fiscal Year 2008

Science.gov (United States)

2008-01-01

The Ohio Department of Transportation is pleased to present the Federal Fiscal Year (FFY) 2008 State Infrastructure Bank (SIB) Annual Financial Report. The portfolio of the FFY 2008 SIB had a total of five loans totaling $22.1 million. Since the begi...

Ohio Department of Transportation State Infrastructure Bank Annual Financial Report : Federal Fiscal Year 2007

Science.gov (United States)

2007-01-01

The Ohio Department of Transportation is pleased to present the Federal : Fiscal Year (FFY) 2007 State Infrastructure Bank (SIB) Annual Financial : Report. : The portfolio of the FFY 2007 SIB had a total of 13 loans and 1 bond in the : amount of $17....

11 CFR 100.82 - Bank loans.

Science.gov (United States)

2010-01-01

... 11 Federal Elections 1 2010-01-01 2010-01-01 false Bank loans. 100.82 Section 100.82 Federal... Contributions § 100.82 Bank loans. (a) General provisions. A loan of money to a political committee or a candidate by a State bank, a federally chartered depository institution (including a national bank) or a...

11 CFR 100.142 - Bank loans.

Science.gov (United States)

2010-01-01

... 11 Federal Elections 1 2010-01-01 2010-01-01 false Bank loans. 100.142 Section 100.142 Federal... Expenditures § 100.142 Bank loans. (a) General provisions. Repayment of a loan of money to a candidate or a political committee by a State bank, a federally chartered depository institution (including a national bank...

The harmonization of banking legislation in the EU

Directory of Open Access Journals (Sweden)

Shkëlqesa Çitaku

2016-03-01

Full Text Available This paper attempts to assess the current legislation of banking in the European Union. The process of unification in Europe is also followed by efforts to harmonize and unify the laws of the member states. In the field of banking industry the precondition for harmonization of laws is the integration of internal market with the free movement of capital. The regulation and supervision of banks in EU still remains fragmented. European member states still have diverse regulations concerning the role of the state. The European Commission has the important function of proposing EU legislation on financial services including banks and ensuring that EU law is properly applied throughout the EU. Banks are considered as a key industry enabling all the economic activities via depositing, crediting and arranging of payments. A number of secondary legislation has been adopted by the EU institutions to harmonize the national banking law of Member States. The principles and objectives set by the European Commission Treaty depend on four EU freedoms with the aim of effective and open market including banks. Therefore it was a continuous process of harmonization of national banking regulation via secondary law since the 70’s.

Multinational corporations and health care in the United States and Latin America: strategies, actions, and effects.

Science.gov (United States)

Jasso-Aguilar, Rebeca; Waitzkin, Howard; Landwehr, Angela

2004-01-01

In this article we analyze the corporate dominance of health care in the United States and the dynamics that have motivated the international expansion of multinational health care corporations, especially to Latin America. We identify the strategies, actions, and effects of multinational corporations in health care delivery and public health policies. Our methods have included systematic bibliographical research and in-depth interviews in the United States, Mexico, and Brazil. Influenced by public policy makers in the United States, such organizations as the World Bank, International Monetary Fund, and World Trade Organization have advocated policies that encourage reduction and privatization of health care and public health services previously provided in the public sector. Multinational managed care organizations have entered managed care markets in several Latin American countries at the same time as they were withdrawing from managed care activities in Medicaid and Medicare within the United States. Corporate strategies have culminated in a marked expansion of corporations' access to social security and related public sector funds for the support of privatized health services. International financial institutions and multinational corporations have influenced reforms that, while favorable to corporate interests, have worsened access to needed services and have strained the remaining public sector institutions. A theoretical approach to these problems emphasizes the falling rate of profit as an economic motivation of corporate actions, silent reform, and the subordination of polity to economy. Praxis to address these problems involves opposition to policies that enhance corporate interests while reducing public sector services, as well as alternative models that emphasize a strengthened public sector

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

Directory of Open Access Journals (Sweden)

Magdalena, RADULESCU

2014-11-01

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

Prevalence and factors associated with breast milk donation in banks that receive human milk in primary health care units,

OpenAIRE

Meneses, Tatiana Mota Xavier de; Oliveira, Maria Inês Couto de; Boccolini, Cristiano Siqueira

2017-01-01

Abstract Objective: To estimate the prevalence and to analyze factors associated with breast milk donation at primary health care units in order to increase the human milk bank reserves. Methods: Cross-sectional study carried out in 2013 in Rio de Janeiro, Brazil. A representative sample of 695 mothers of children younger than 1 year attended to at the nine primary health care units with human milk donation services were interviewed. A hierarchical approach was used to obtain adjusted preva...

Prevalence and factors associated with breast milk donation in banks that receive human milk in primary health care units

OpenAIRE

Tatiana Mota Xavier de Meneses; Maria Inês Couto de Oliveira; Cristiano Siqueira Boccolini

2017-01-01

Abstract Objective: To estimate the prevalence and to analyze factors associated with breast milk donation at primary health care units in order to increase the human milk bank reserves. Methods: Cross-sectional study carried out in 2013 in Rio de Janeiro, Brazil. A representative sample of 695 mothers of children younger than 1 year attended to at the nine primary health care units with human milk donation services were interviewed. A hierarchical approach was used to obtain adjusted preva...

31 CFR 515.334 - United States national.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false United States national. 515.334 Section 515.334 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) OFFICE... of the United States, and which has its principal place of business in the United States. [61 FR...

7 CFR 1212.32 - United States Customs Service.

Science.gov (United States)

2010-01-01

... 7 Agriculture 10 2010-01-01 2010-01-01 false United States Customs Service. 1212.32 Section 1212... § 1212.32 United States Customs Service. “United States Customs Service” or “Customs” means the United States Customs and Border Protection, an agency of the Department of Homeland Security. Honey Packers and...

Retail Bank Interest Rate Pass-Through; Is Chile Atypical?

OpenAIRE

Alessandro Rebucci; Marco A Espinosa-Vega

2003-01-01

This paper investigates empirically the pass-through of money market interest rates to retail banking interest rates in Chile, the United States, Canada, Australia, New Zealand, and five European countries. Overall, Chile's pass-through does not appear atypical. Based on a standard error-correction model, we find that, as in most countries considered, Chile's measured pass-through is incomplete. But Chile's pass-through is also faster than in many other countries considered and is comparable ...

Palestinian and Jewish Israeli-born immigrants in the United States.

Science.gov (United States)

Cohen, Y; Tyree, A

1994-01-01

"This article considers both Arab and Jewish emigration from Israel to the United States, relying on the 5 percent Public Use Microdata Sample (PUMS) of the 1980 U.S. census. Using the ancestry and language questions to identify Jews and Arabs, we found that over 30 percent of Israeli-born Americans are Palestinian-Arab natives of Israel, the West Bank, and Gaza Strip. While the Jews are of higher educational levels, hold better jobs and enjoy higher incomes than their Arab counterparts, both groups have relatively high socioeconomic characteristics. Both have high rates of self-employment, particularly the Palestinian-Arabs, who appear to serve as middlemen minority in the grocery store business in the cities where they reside. The fact that nearly a third of Israeli-born immigrants are Arabs accounts for the occupational diversity previously observed of Israelis in America but does not account for their income diversity as much as does differences between early and recent immigrants." excerpt

Technician Consistency in Specular Microscopy Measurements: A "Real-World" Retrospective Analysis of a United States Eye Bank.

Science.gov (United States)

Rand, Gabriel M; Kwon, Ji Won; Gore, Patrick K; McCartney, Mitchell D; Chuck, Roy S

2017-10-01

To quantify consistency of endothelial cell density (ECD) measurements among technicians in a single US eye bank operating under typical operating conditions. In this retrospective analysis of 51 microscopy technicians using a semiautomated counting method on 35,067 eyes from July 2007 to May 2015, technician- and date-related marginal ECD effects were calculated using linear regression models. ECD variance was correlated with the number of specular microscopy technicians. Technician mean ECDs ranged from 2386 ± 431 to 3005 ± 560 cells/mm. Nine technicians had statistically and clinically significant marginal effects. Annual mean ECDs adjusted for changes in technicians ranged from 2422 ± 433 to 2644 ± 430 cells/mm. The period of 2007 to 2009 had statistically and clinically significant marginal effects. There was a nonstatistically significant association between the number of technicians and ECD standard deviation. There was significant ECD variability associated with specular microscopy technicians and with the date of measurement. We recommend that eye banks collect data related to laboratory factors that have been shown to influence ECD variability.

The Indonesian Islamic Bank’s Spin-off: A Study in Regional Development Banks

Directory of Open Access Journals (Sweden)

Ismawati Haribowo

2016-12-01

Full Text Available The Islamic banking spin-off became a major issue after the establishment of the Act No. 21 of 2008. The problem that arises according to this spin-off is the existence of sharia unit that owned by the regional development banks, which is almost the banks has a small size. This paper is going to evaluate the spin-off criteria are regional development banks, besides that this article is going to analyze the spin-off strategy that can use by sharia unit that owned by the regional development bank. The techniques that employed in this paper are ARIMA, simulation, and descriptive-qualitative. The result shows that there is no sharia unit can achieve the 50% share asset of its parents. There are also several strategies that can be used by the sharia unit. The main thing that should emphasize is the Islamic bank's spin-off is only one of the policies that can be taken to develop the Islamic banking industryDOI: 10.15408/aiq.v9i1.4308 

Nuclear power in the United States

International Nuclear Information System (INIS)

Johnston, J.B.

1985-01-01

All over the world except in the United States, nuclear energy is a low cost, secure, environmentally acceptable form of energy. In the United States, civilian nuclear power is dead. 112 nuclear power plants have been abandoned or cancelled in the last decade, and there has been no new order for nuclear plants since 1978. It will be fortunate to have 125 operating nuclear plants in the United States in the year 2000. There are almost 90 completed nuclear power plants and about 45 under construction in the United States, but several of those under construction will eventually be abandoned. About 20 % of the electricity in the United States will be generated by nuclear plants in 2000 as compared with 13 % supplied in the last year. Under the present regulatory and institutional arrangement, American electric utilities would not consider to order a new nuclear power plant. Post-TMI nuclear plants became very expensive, and there is also ideological opposition to nuclear power. Coal-firing plants are also in the similar situation. The uncertainty about electric power demand, the cost of money, the inflation of construction cost and regulation caused the situation. (Kako, I.)

Teen Pregnancy in the United States

Science.gov (United States)

... United States: the contribution of abstinence and improved contraceptive use. Am J Public Health. 2007;97(1):150-6. Lindberg LD, Santelli JS, Desai, S. Understanding the Decline in Adolescent Fertility in the United States, 2007–2012. J ...

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

OpenAIRE

Hidayat, Ayat; Koesrindartoto, Deddy P

2013-01-01

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

12 CFR 362.4 - Subsidiaries of insured State banks.

Science.gov (United States)

2010-01-01

... ensure adequate computer, audit and accounting systems, internal risk management controls, and has... Section 362.4 Banks and Banking FEDERAL DEPOSIT INSURANCE CORPORATION REGULATIONS AND STATEMENTS OF... risk to the Deposit Insurance Fund. Applications for consent should be filed in accordance with § 303...

Geographic Diversification, Competition and Bank Survival

NARCIS (Netherlands)

Jochem, T.

2013-01-01

This article analyzes the effects from portfolio diversification and banking competition on the stability of U.S. banks during the 2008-2011 banking crisis. To do so, it uses exogenous cross-sectional and time-series variation in states' branching restrictions between 1997-2005, the degree of local

RELIGION AND BANKING SYSTEM: THE FUTURE OF SYARIAH BANKING PRACTICES Historical and Contemporary Fiqh Perspectives

Directory of Open Access Journals (Sweden)

Hamka Siregar

2014-12-01

Full Text Available The momentum of the development of Sharia banking has been noticed since the 1970s, which generally had two patterns: first, establishing the Islamic bank side by side with conventional one (dual-banking system as practiced in Egypt, Malaysia, Saudi Arabia, Jordan, Kuwait, Bahrain, and Bangladesh; and second, restructuring the banking system as a whole in accordance with Islamic Sharia (full-fledged Islamic financial system as applied in Sudan, Iran and Pakistan. The development of the Sharia-based banks which have been established across the world since the 1970s, became the motivation of the Indonesian ulemas to draft law on Sharia banking, so that Sharia banking could also be developed. As a result, these last few years, the banking world in Indonesia has witnessed the establishment of the public Sharia banks and Sharia business units, like Bank Muamalat and Bank Syariah Mandiri to mention a few. Using historical and contemporary jurisprudence perspective, this paper provides discussion on the future of Sharia banking.

Impact of Banking Information Systems Security on Banking in China: The Case of Large State-Owned Banks in Shenzhen Economic Special Zone — An Introduction

OpenAIRE

Keith L. Hood; Jie-Wen Yang

1998-01-01

This paper focuses on information security in Chinese Banking Information Systems (BIS), which can only be understood in the context of the wider reforms of the Chinese banking sector. A small pilot study of banking in Shenzhen was carried out. Shenzhen, in southern China, is one of the Economic Special Zones and may be considered as being at the leading edge of development in banking and a pointer towards future developments of banking in China. Information security was found to be inadequat...

31 CFR 357.13 - Obligations of the United States and the Federal Reserve Banks with respect to Book-entry...

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 2 2010-07-01 2010-07-01 false Obligations of the United States and... 357.13 Money and Finance: Treasury Regulations Relating to Money and Finance (Continued) FISCAL... BONDS, NOTES AND BILLS HELD IN LEGACY TREASURY DIRECT Treasury/Reserve Automated Debt Entry System...

12 CFR 541.10 - Dwelling unit.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Dwelling unit. 541.10 Section 541.10 Banks and... FEDERAL SAVINGS ASSOCIATIONS § 541.10 Dwelling unit. The term dwelling unit means the unified combination of rooms designed for residential use by one family, other than a single-family dwelling. ...

Immigration Enforcement Within the United States

Science.gov (United States)

2006-04-06

Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 Policy Issues...Remained in the United States, (Washington: Center for Immigration Studies, May 2002). Immigration Enforcement Within the United States Introduction ...interior enforcement lack a border component. For example, fugitive taskforces, investigations of alien slavery and sweatshops , and employer sanctions do

76 FR 70132 - Federal Home Loan Bank Members Selected for Community Support Review

Science.gov (United States)

2011-11-10

... Bank Bainbridge Georgia Peoples State Bank and Trust Baxley Georgia Bank of Early Blakely Georgia... The Security State Bank McRae Georgia First Bank of Coastal Georgia Pembroke Georgia First Peoples... Georgia Vidalia Federal Savings Bank Vidalia Georgia Bank of Dooly Vienna Georgia The Peoples Bank...

A note on banking reform and poverty : Revisiting the Indian social banking experiment

NARCIS (Netherlands)

Platschorre, B.; Bulte, E.H.

2011-01-01

Recent empirical work demonstrates that state-led bank expansion in rural India has contributed to a reduction in the number of poor people. In this note it is shown that the social banking policies have not simultaneously decreased the rural poverty gap. This suggests a potential trade-off for

A Note on Banking Reform and Poverty: Revisiting the Indian Social Banking Experiment

NARCIS (Netherlands)

Platschorre, B.; Bulte, E.H.

2011-01-01

Recent empirical work demonstrates that state-led bank expansion in rural India has contributed to a reduction in the number of poor people. In this note it is shown that the social banking policies have not simultaneously decreased the rural poverty gap.This suggests a potential trade-off for

Russian Bank Database : Birth and Death, Location, Mergers, Deposit Insurance Participation, State and Foreign Ownership

NARCIS (Netherlands)

Karas, A.O.|info:eu-repo/dai/nl/411259393; Vernikov, Andrei

For every Russian bank we collect records of its registration, license withdrawal, liquidation, location changes, mergers and acquisitions, entrance to and exit from the Deposit Insurance System as well as state and foreign ownership. We describe our sources and the resulting database.

[Setting up a donor milk bank within a neonatal unit].

Science.gov (United States)

Román, S Vázquez; Díaz, C Alonso; López, C Medina; Lozano, G Bustos; Hidalgo, M V Martínez; Alonso, C R Pallás

2009-10-01

Breast milk is the best choice to feed premature and ill babies, but when there is not enough mother milk available donor breast milk is the best alternative. Nowadays, Milk Banks are present worldwide. In December 2007 the second Spanish Milk Bank opened within the Department of Neonatology of the Hospital 12 Octubre, Madrid (BLHDO). There are no international recommendations for processing breast milk, therefore other Milk Banks guidelines are the only standards to follow. BLHDO uses the Brazilian model as they focus on milk quality, in addition to safety issues. Lack of legislation for human milk processing in Spain has led to BLHDO complying with Spanish Law on blood and tissues donation with its strict regulations on safety issues and record keeping. This article summarises the first year of operating the BLHDO and its future projects and developments.

BANKING SUPERVISION IN EUROPEAN UNION

Directory of Open Access Journals (Sweden)

Lavinia Mihaela GUȚU

2013-10-01

Full Text Available The need for prudential supervision imposed to banks by law arises from the action that banking market’s basic factors have. Therefore, it is about banks’ role in economy. The normal functioning of banks in all their important duties maintains the stability of banking system. Further, the stability of the entire economy depends on the stability of the banking system. Under conditions of imbalance regarding treasury or liquidity, banks are faced with unmanageable crisis and the consequences can be fatal. To ensure long-term stability of the banking system, supervisory regulations were constituted in order to prevent banks focusing on achieving rapidly high profits and protect the interests of depositors. Starting from this point, this paper will carry out a study on existing models of supervision in the European Union’s Member States. A comparison between them will support identifying the advantages and disadvantages of each of them.

United States advanced technologies

International Nuclear Information System (INIS)

Longenecker, J.R.

1985-01-01

In the United States, the advanced technologies have been applied to uranium enrichment as a means by which it can be assured that nuclear fuel cost will remain competitive in the future. The United States is strongly committed to the development of advanced enrichment technology, and has brought both advanced gas centrifuge (AGC) and atomic vapor laser isotope separation (AVLIS) programs to a point of significant technical refinement. The ability to deploy advanced technologies is the basis for the confidence in competitive future price. Unfortunately, the development of advanced technologies is capital intensive. The year 1985 is the key year for advanced technology development in the United States, since the decision on the primary enrichment technology for the future, AGC or AVLIS, will be made shortly. The background on the technology selection process, the highlights of AGC and AVLIS programs and the way to proceed after the process selection are described. The key objective is to maximize the sales volume and minimize the operating cost. This will help the utilities in other countries supply low cost energy on a reliable, long term basis. (Kako, I.)

Adequacy of environmental information for outer continental shelf oil and gas decisions: Georges Bank. Final report

International Nuclear Information System (INIS)

1991-01-01

Georges Bank, a large, shallow marine bank with important fishery resources and possibly important oil and gas resources, lies east of Massachusetts in the territorial waters of both the United States and Canada. The Department of the Interior has planned since 1974 to lease parts of the north Atlantic outer continental shelf (OCS)--including part of Georges Bank--for oil and gas exploration. As a result of public concern about the environmental impacts of oil and gas production on the U.S. OCS, Congress declared a moratorium on drilling on Georges Bank and an area to the southwest. The report--by the NRC's Committee to Review the Outer Continental Shelf Environmental Studies Program and its panels on physical oceanography, ecology, and socioeconomics--reviews the adequacy of information bearing on the potential environmental impacts of OCS oil and gas activities for the Georges Bank sale area

12 CFR 34.24 - Nonfederally chartered commercial banks.

Science.gov (United States)

2010-01-01

... 12 Banks and Banking 1 2010-01-01 2010-01-01 false Nonfederally chartered commercial banks. 34.24... LENDING AND APPRAISALS Adjustable-Rate Mortgages § 34.24 Nonfederally chartered commercial banks. Pursuant to 12 U.S.C. 3803(a), a State chartered commercial bank may make ARM loans in accordance with the...

The United States and the Arab Gulf Monarchies

International Nuclear Information System (INIS)

Kechichian, J.A.

1999-01-01

The United States has enduring strategic interests in the Persian Gulf region. To understand these interests and the Usa policy towards the Arab Gulf Monarchies, the french institute of international relations (IFRI) proposes this document. The following chapters are detailed: the United States and the Arab Gulf Monarchies, overview, Chief Unites States Objective: Access to oil, re-evaluating United States Foreign Policy in the Gulf, the second term (Usa strategy). (A.L.B.)

THE EUROPEAN CENTRAL BANK AND THE EUROZONE CRISIS MANAGEMENT

Directory of Open Access Journals (Sweden)

MONICA ŞAGUNA

2013-05-01

Full Text Available The Euro is the single currency shared by 17 of the European Union's Member States, which together make up the Euro area. Since its introduction, in January 2002, it became the second most traded currency in the world after the United States dollar. With the launch of the Euro, the monetary policy became the responsibility of the independent European Central Bank, which was created for that purpose, and of the national central banks of the Member States, having adopted the Euro. However, the accumulation of massive and unsustainable deficits and public debt levels in a number of peripheral economies threatened the Eurozone's viability by the end of its first decade, triggering a Eurozone sovereign debt crisis. The institutional mechanisms surrounding the Euro have also been an integral part of the crisis. On this line, the European Monetary Union is supported on one side by treaties and multilateral agreements including the Maastricht Treaty, the Stability and Growth Pact and the Lisbon Strategy and, on the other side, by the European Central Bank. The combination of these institutions has produced a mix of monetary, fiscal and labour market policies with powerful social implications. And, what started as a debt crisis in Greece in late 2009 has evolved into a broader economic and political crisis in the Eurozone and European Union. In this framework, the purpose of my paper is to analyze the roots of the Eurozone crisis, as the biggest challenge since the Euro adoption and the European Central Bank’s response to it. Therefore the objectives are: identification of the reasons that stand behind the crisis, then observing how the crisis has affected the functioning of the European Central Bank and the Euro, and how it was forced to respond and, finally, focusing on the future and the challenges that lie ahead.

[Economic restructuring and impacts on health and mental distress: the case of a state-owned bank in Minas Gerais State, Brazil].

Science.gov (United States)

Silva, Luiz Sérgio; Pinheiro, Tarcísio Márcio Magalhães; Sakurai, Emília

2007-12-01

Restructuring of the Brazilian financial sector was consolidated through the combination of mass lay-offs, automation, and outsourcing, in addition to business re-engineering with leveling of hierarchical echelons, labor casualization, and multi-function jobs. In order to comply and deal with the new demands, bank employees had to increase their schooling, become multi-functional and expert sales attendants, and submit to substandard conditions in the workplace, increased workload, overtime, and low wages. The purpose of the current study was to examine the restructuring process in a state-owned bank in Minas Gerais State, Brazil, and its impacts on workers' health. The study also analyzes absenteeism rates from 1998 to 2003, when there was an increase in diseases such as repetitive stress injury (RSI)/work-related musculoskeletal disorders (WRMD) and mental/behavioral disorders, accounting for 56% and 19% of sick leaves. The process has continued to the present, with a restrictive recruitment policy. Further study is needed to confirm the results.

78 FR 46686 - Privacy Act of 1974; Treasury/United States Mint .013-United States Mint National Electronic...

Science.gov (United States)

2013-08-01

... available publicly. FOR FURTHER INFORMATION CONTACT: For general questions and privacy issues, please... DEPARTMENT OF THE TREASURY Privacy Act of 1974; Treasury/United States Mint .013--United States... Privacy Act of 1974, as amended, 5 U.S.C. 552a, the Department of the Treasury (``Treasury'') and the...

Tissue banking in australia.

Science.gov (United States)

Ireland, Lynette; McKelvie, Helen

2003-01-01

The legal structure for the regulation of tissue banking has existed for many years. In Australia, the donation of human tissue is regulated by legislation in each of the eight States and Territories. These substantially uniform Acts were passed in the late 1970's and early 1980's, based on model legislation and underpinned by the concept of consensual giving. However, it was not until the early 1990's that tissue banking came under the notice of regulatory authorities. Since then the Australian Government has moved quickly to oversee the tissue banking sector in Australia. Banked human tissue has been deemed to be a therapeutic good under the Therapeutic Goods Act 1989, and tissue banks are required to be licensed by the Therapeutic Goods Administration and are audited for compliance with the Code of Good Manufacturing Practice- Human Blood and Tissues. In addition, tissue banks must comply with a myriad of other standards, guidelines and recommendations.

39 CFR 221.1 - The United States Postal Service.

Science.gov (United States)

2010-07-01

... 39 Postal Service 1 2010-07-01 2010-07-01 false The United States Postal Service. 221.1 Section 221.1 Postal Service UNITED STATES POSTAL SERVICE ORGANIZATION AND ADMINISTRATION GENERAL ORGANIZATION § 221.1 The United States Postal Service. The United States Postal Service was established as an...

UNITED STATES DURING THE COLD WAR 1945-1990

Directory of Open Access Journals (Sweden)

Novita Mujiyati

2016-02-01

Full Text Available United States and the Soviet Union is a country on the part of allies who emerged as the winner during World War II. However, after reaching the Allied victory in the situation soon changed, man has become an opponent. United States and the Soviet Union are competing to expand the influence and power. To compete the United States strive continuously strengthen itself both in the economic and military by establishing a defense pact and aid agencies in the field of economy. During the Cold War the two are not fighting directly in one of the countries of the former Soviet Union and the United States. However, if understood, teradinya the Korean War and the Vietnam War is a result of tensions between the two countries and is a direct warfare conducted by the United States and the Soviet Union. Cold War ended in conflict with the collapse of the Soviet Union and the United States emerged as the winner of the country.

Bank equity connections, intellectual property protection and enterprise innovation – A bank ownership perspective

Directory of Open Access Journals (Sweden)

Xing Liu

2016-09-01

Full Text Available This study investigates the effects of bank equity connections and intellectual property protection on enterprises’ innovation behavior, and the regulating effect of intellectual property protection on the relationship between bank equity connections and innovation. In general, bank equity connections and intellectual property protection not only significantly increase innovation input, but also improve innovation performance. However, the efficiency of bank equity connections is influenced by the heterogeneity of enterprises and the value orientation of the subjects. Bank equity connections have a more significantly positive effect on innovation in private and central enterprises, whereas the principal-agent problem and government intervention may weaken the marginal contribution of bank equity connections to the innovation of local state-owned enterprises. Bank equity connections and intellectual property protection are complementary in promoting enterprise innovation. Not only are the combined effects of bank equity connections and intellectual property protection greater than the individual effects, but when the latter is relatively weak, the former’s positive effect on innovation is obviously weakened and may even crowd out innovation.

Biobanks in the United States: how to identify an undefined and rapidly evolving population.

Science.gov (United States)

Boyer, Gregory J; Whipple, Warren; Cadigan, R Jean; Henderson, Gail E

2012-12-01

As part of a larger organizational study, we sought to survey biobanks in the United States. However, we encountered two problems with this population. First, no common definition of biobanks exists. Second, no census is available of these facilities from which to sample in order to implement a survey. In light of these problems, we employed a multifaceted approach using electronic searches of PubMed, RePORTER, and Google. In addition, we systematically searched for biobanks housed within universities that have NIH-designated Clinical and Translational Science Awards (CTSA). We expanded this part of the search by looking for biobanks among all members of the American Association of Medical Colleges (AAMC). Finally, we added banks to our database found previously by other researchers and banks found via correspondence with our colleagues. Our search strategy produced a database of 624 biobanks for which we were able to confirm contact information in order to conduct our online survey. Another 140 biobanks were identified but did not respond to our requests to confirm their existence or contact information. In order to maximize both the uniqueness of banks found and the greatest return on effort for each search, we suggest targeting resources that are already organized. In our work, these included the CTSA, AAMC, and part of the Google searches. We contend that our search provides a model for analysis of new fields of research and/or rapidly evolving industries. Furthermore, our approach demonstrates that with the appropriate tools it is possible to develop a systematic and comprehensive database to investigate undefined populations.

Bank Indonesia dalam Tata Pemerintahan Indonesia

OpenAIRE

Ismail, Maqdir

2010-01-01

This research focuses on problems as follows: First, position and role of Bank Indonesia as a state body in Indonesia; Second, independency of central bank in performing its monetary function. This research is a juridical normative research using primary legal source which is legislation concerning central bank. Data is collected through document study and literary study. This research concludes that position of Bank Indonesia as a legal entity should have been included in the explanation of ...

Bank Indonesia Dalam Tata Pemerintahan Indonesia

OpenAIRE

Ismail, Maqdir

2010-01-01

This research focuses on problems as follows: First, position and role of Bank Indonesia as a state body in Indonesia; Second, independency of central bank in performing its monetary function. This research is a juridical normative research using primary legal source which is legislation concerning central bank. Data is collected through document study and literary study. This research concludes that position of Bank Indonesia as a legal entity should have been included in the explanation of ...

78 FR 27857 - United States Standards for Wheat

Science.gov (United States)

2013-05-13

... RIN 0580-AB12 United States Standards for Wheat AGENCY: Grain Inspection, Packers and Stockyards... (GIPSA) is revising the United States Standards for Wheat under the United States Grain Standards Act (USGSA) to change the definition of Contrasting classes (CCL) in the class Hard White wheat. This change...

Revitalisasi Pengelolaan Bank Sampah Di Palabuhanratu

Directory of Open Access Journals (Sweden)

Budi Prasetyo Samadikun

2017-11-01

Full Text Available Bank sampah di Kelurahan Palabuhanratu sudah berdiri sejak tahun 2010. Bank sampah ini adalah salah satu bank sampah diantara dua bank sampah lain, yang baru berdiri pada tahun  2016. Volume sampah pada tahun 2015 sebesar 134,89 m3 per hari, mencakup 89% wilayah Kelurahan Palabuhanratu ternyata masih belum optimal dalam pengolahannya, karena  sampah yang direduksi masih sekitar 5% dari total timbulan sampah yang dikirim ke TPA Cimenteng yang berlokasi sekitar 70 km dari Kelurahan Palabuhanratu. Kinerja bank sampah eksisting masih kurang, karena satu bank sampah hanya mampu melayani satu RW dan belum dapat melayani satu kelurahan. Selain itu, pengolahan sampah organik untuk dijadikan kompos belum dilakukan secara serentak oleh seluruh masyarakat, karena pengetahuan masyarakat yang masih kurang. Tujuan penelitian adalah mengetahui kondisi eksisting pengelolaan sampah dan merumuskan upaya revitalisasi Bank Sampah eksisting sebagai pihak pendukung pengelolaan sampah di TPS Kelurahan Palabuhanratu. Metode penelitian menggunakan metode survei, dengan menggunakan kuesioner, wawancara mendalam, dan observasi. Teknik analisis menggunakan analisis kuantitatif dan analisis kualitatif. Hasil penelitian menunjukkan bahwa masyarakat yang melakukan pemilahan sampah dari sumber hanya penduduk RT 01 RW 33. Selain itu jumlah TPS di Kelurahan Palabuhanratu masih terbatas, sehingga membutuhkan tambahan 5 unit TPS yang terintegrasi dengan bank sampah di kelurahan ini. Kata kunci: revitalisasi, bank sampah, Palabuhanratu The  waste bank in Palabuhanratu Village  has been established since 2010. This waste bank is one of the waste bank among two other waste banks, newly established in 2016.  The volume of waste in 2015 is 134,89 m3 per day, covering 89% of Palabuhanratu Village area  is still not optimal in its processing, because the reduced waste is still about 5% of the total waste generation delivered to the Cimenteng Final Diposal Site (FDS, which located

12 CFR 211.23 - Nonbanking activities of foreign banking organizations.

Science.gov (United States)

2010-01-01

...); armored car services (SIC 7381); management consulting (SIC 8732, 8741, 8742, and 8748); certain rental... half of its worldwide business is banking; and more than half of its banking business is outside the..., agency, commercial lending company, or other company engaged in the business of banking in the United...

Tuberculosis along the United States-Mexico border, 1993-2001.

Science.gov (United States)

Schneider, Eileen; Laserson, Kayla F; Wells, Charles D; Moore, Marisa

2004-07-01

Tuberculosis (TB) is a leading public health problem and a recognized priority for the federal Governments of both Mexico and the United States of America. The objectives of this research, primarily for the four states in the United States that are along the border with Mexico, were to: (1) describe the epidemiological situation of TB, (2) identify TB risk factors, and (3) discuss tuberculosis program strategies. We analyzed tuberculosis case reports collected from 1993 through 2001 by the tuberculosis surveillance system of the United States. We used those data to compare TB cases mainly among three groups: (1) Mexican-born persons in the four United States border states (Arizona, California, New Mexico, and Texas), (2) persons in those four border states who had been born in the United States, and (3) Mexican-born persons in the 46 other states of the United States, which do not border Mexico. For the period from 1993 through 2001, of the 16 223 TB cases reported for Mexican-born persons in the United States, 12 450 of them (76.7%) were reported by Arizona, California, New Mexico, and Texas. In those four border states overall in 2001, tuberculosis case rates for Mexican-born persons were 5.0 times as high as the rates for persons born in the United States; those four states have 23 counties that directly border on Mexico, and the ratio in those counties was 5.8. HIV seropositivity, drug and alcohol use, unemployment, and incarceration were significantly less likely to be reported in Mexican-born TB patients from the four border states and the nonborder states than in patients born in the United States from the four border states (P pulmonary tuberculosis patients who were 18-64 years of age and residing in the four border states, the Mexican-born patients were 3.6 times as likely as the United States-born patients were to have resistance to at least isoniazid and rifampin (i. e., to have multidrug-resistant TB) and twice as likely to have isoniazid resistance

Global Entrepreneurship and the United States

Science.gov (United States)

2010-09-01

Global Entrepreneurship and the United States by Zoltan J. Acs Laszlo Szerb Ruxton, MD 21204 for under contract number SBAHQ-09...SUBTITLE Global Entrepreneurship and the United States 5a. CONTRACT NUMBER 5b. GRANT NUMBER 5c. PROGRAM ELEMENT NUMBER 6. AUTHOR(S) 5d. PROJECT...3 2.1. Assessing Entrepreneurship ..................................................................................4 2.2. Stages of Development

75 FR 25925 - United States Mint

Science.gov (United States)

2010-05-10

... Committee May 25, 2010 Public Meeting. SUMMARY: Pursuant to United States Code, Title 31, section 5135(b)(8... scheduled for May 25, 2010. Date: May 25, 2010. Time: 9 a.m. to 12 p.m. Location: 8th Floor Board Room, United States Mint, 801 9th Street, NW., Washington, DC 20220. Subject: Review and discuss obverse and...

31 CFR 515.330 - Person within the United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Person within the United States. 515... Definitions § 515.330 Person within the United States. (a) The term person within the United States, includes: (1) Any person, wheresoever located, who is a resident of the United States; (2) Any person actually...

FDA-CDC Antimicrobial Resistance Isolate Bank: a Publicly Available Resource To Support Research, Development, and Regulatory Requirements.

Science.gov (United States)

Lutgring, Joseph D; Machado, María-José; Benahmed, Faiza H; Conville, Patricia; Shawar, Ribhi M; Patel, Jean; Brown, Allison C

2018-02-01

The FDA-CDC Antimicrobial Resistance Isolate Bank was created in July 2015 as a publicly available resource to combat antimicrobial resistance. It is a curated repository of bacterial isolates with an assortment of clinically important resistance mechanisms that have been phenotypically and genotypically characterized. In the first 2 years of operation, the bank offered 14 panels comprising 496 unique isolates and had filled 486 orders from 394 institutions throughout the United States. New panels are being added. Copyright © 2018 American Society for Microbiology.

45 CFR 212.7 - Repayment to the United States.

Science.gov (United States)

2010-10-01

... 45 Public Welfare 2 2010-10-01 2010-10-01 false Repayment to the United States. 212.7 Section 212... UNITED STATES CITIZENS RETURNED FROM FOREIGN COUNTRIES § 212.7 Repayment to the United States. (a) An..., any or all of the cost of such assistance to the United States, except insofar as it is determined...

20 CFR 416.215 - You leave the United States.

Science.gov (United States)

2010-04-01

... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false You leave the United States. 416.215 Section... Eligible § 416.215 You leave the United States. You lose your eligibility for SSI benefits for any month during all of which you are outside of the United States. If you are outside of the United States for 30...

37 CFR 1.412 - The United States Receiving Office.

Science.gov (United States)

2010-07-01

... Information § 1.412 The United States Receiving Office. (a) The United States Patent and Trademark Office is a Receiving Office only for applicants who are residents or nationals of the United States of America. (b) The... “United States Receiving Office” or by the abbreviation “RO/US.” (c) The major functions of the Receiving...

Human milk banking.

Science.gov (United States)

O'Hare, Esther Marie; Wood, Angela; Fiske, Elizabeth

2013-01-01

Forms of human milk banking and donation have been present for more than a century worldwide, but, since 1985, the Human Milk Banking Association of North America (HM BANA) has established guidelines to make the use of donor's breast milk safe and the second best form of feeding to maternal breast milk for a neonatal intensive care unit (NICU) infant. The Indiana Mother's Human Milk Bank provides an extensive and meticulous process of selecting breast milk donors. The process begins with a phone interview with a potential donor and includes the review of the donor's medical records, blood laboratory screening, medication and dietary intake, as well as consent from the donor's pediatrician. The milk bank follows steps of collecting, storing, and receiving the breast milk in accordance with the guidelines of the HM BANA. Pasteurization is the method used to ensure the proper heating and cooling of breast milk. Despite the rigorous pasteurization method, the donor's breast milk will not lose most of the important beneficial components needed for sick or ill NICU infants. Every batch of pasteurized breast milk will be cultured for any possible contamination and shipped to NICUs after it has been cleared by laboratory testing.

Met Ed gets reprieve: banks lend tax money

International Nuclear Information System (INIS)

Utroska, D.

1981-01-01

A consortium of banks agreed to loan Metropolitan Edison $23 million to pay its April 15 state taxes and temporarily relieve a cash-flow problem that is leading to default after the Pennsylvania Public Utility Commission expedited a rate request. The continued solvency of Met Ed is a matter of speculation because the present credit formula is based on liquid assets which the PUC did not address. While the action taken by the bankers gives Met Ed a reprieve, it does not provide a long-term solution. The Revolving Credit Agreement will expire on October 1. Met Ed is still faced with the problem of relicensing Three Mile Island-1 unit and the cost of underwriting the cleanup of the No. 2 unit

Progress in China’s Banking Sector Reform; Has Bank Behavior Changed?

OpenAIRE

Richard Podpiera

2006-01-01

Substantial effort has been devoted to reforming China's banking system in recent years. The authorities recapitalized three large state-owned banks, introduced new governance structures, and brought in foreign strategic investors. However, it remains unclear the extent to which currently reported data reflect the true credit risk in loan portfolios and whether lending decisions have started to be taken on a commercial basis. We examine lending growth, credit pricing, and regional patterns in...

Illicit Drug Trade-Impact on United States National Health Care

Science.gov (United States)

2013-03-01

states of Sinaloa , Chihuahua and Durango. Heroin from this region is about one-third of the American market.23 Although, compared with the cocaine...Incomplete US Policy Response. Washington: Wilson Center and Migration Policy Institut,. January 2013, 6. 12 The World Bank, http://web.worldbank.org

Performance Evaluation of Banks Using DEA (Case study: Guilan Saderat Bank Branches

Directory of Open Access Journals (Sweden)

K. Shahroudi

2010-03-01

Full Text Available Performance evaluation has been developed in the form of management schools along by managerial thought development. Banks and financial institutes are one of the most important economic sections to each country which by receipts and payments directing and organizing facilitate business and commercial transactions and develop markets and economic growth and as the main pillars in directing and managing dispersed funds toward production units and regulate cash flow, have specific place in economic growth and inflation control. Therefore, it is necessary for banks to be aware about their branches efficiency and take revision techniques into account for their future planning. In this paper BCC and CCR models (output-oriented have been used to evaluate the efficiency of 29 sample Saderat bank branches in Guilan Province.

Performance Evaluation of Banks Using DEA (Case study: Guilan Saderat Bank Branches

Directory of Open Access Journals (Sweden)

K. Shahroudi

2012-07-01

Full Text Available Performance evaluation has been developed in the form of management schools along by managerial thought development. Banks and financial institutes are one of the most important economic sections to each country which by receipts and payments directing and organizing facilitate business and commercial transactions and develop markets and economic growth and as the main pillars in directing and managing dispersed funds toward production units and regulate cash flow, have specific place in economic growth and inflation control. Therefore, it is necessary for banks to be aware about their branches efficiency and take revision techniques into account for their future planning. In this paper BCC and CCR models (output-oriented have been used to evaluate the efficiency of 29 sample Saderat bank branches in Guilan Province.

A comparative review between the updated models of Brazilian, United Kingdom and American eye banks and lamellar transplants

Directory of Open Access Journals (Sweden)

Gustavo Victor

2014-12-01

Full Text Available The corneal transplantation (CT is the most commonly performed type of transplant in the world and the Eye Banks are organizations whose capture, evaluate, preserve, store and distribute ocular tissues. With the evolution of surgical techniques and equipment for CT, the BOs had to evolve to keep up with these requirements. This evolution goes from tissues capture techniques, donating money and clarification to the patient (e.g. internet-based, use of current equipment for more adequate tissues supply for the most current surgical techniques, integration of BOs of certain country and real-time management of stocks of ocular tissues, and adequacy of laws that manage the entire process. This review aims to make a comparative review between the updated models of Brazilian, United Kingdon and American Eye Banks. Like, check what the trend towards lamellar transplants in these three countries.

Cord blood stem cell banking: a snapshot of the Italian situation.

Science.gov (United States)

Capone, Francesca; Lombardini, Letizia; Pupella, Simonetta; Grazzini, Giuliano; Costa, Alessandro Nanni; Migliaccio, Giovanni

2011-09-01

In Italy, the law does not permit the setting up of private banks to preserve cord blood (CB) stem cells for personal use. However, since 2007 the right to export and preserve them in private laboratories located outside Italy has existed, and an increasing number of women are requesting this collection of umbilical CB at delivery to enable storage of stem cells for autologous use. Since private banks recruit clients mainly via the Internet, we examined the content of 24 Italian-language websites that offer stem cells storage (from CB or amniotic fluid), to assess what information is available. We found that the majority of private banks give no clear information about the procedures of collection, processing, and banking of CB units and that the standards offered by private CB banks strongly differ in terms of exclusion or acceptance criteria from the public banks. These factors may well influence the overall quality of the CB units stored in private CB banks. Of note, during the period 2007 to 2009, the number collected for autologous use did not create a downward trend on the number of units stored in public CB banks for allogeneic use. CB is a valuable community resource but expectant parents should be better informed as to the quality variables necessary for its storage, both by institutions and by professionals. Currently, most of the advertising is insufficient to justify the expense and the hopes pinned on autologous use of CB stem cells. © 2011 American Association of Blood Banks.

The United States and the Kurds: Case Studies in United States Engagement

National Research Council Canada - National Science Library

Lambert, Peter

1997-01-01

..., between 1969- 1975, and 1990-1996. Both eras saw the United States able to influence events relating to the Kurds in support of a larger regional policy, only to find no easy solution to the Kurdish quest for autonomy...

Bank Entry Mode, Labor Market Flexibility and Economic Activity

OpenAIRE

Wang, Teng

2015-01-01

In this paper, I investigate whether information accessibility in the target market influences the mode in which out-of-state banks enter the new market following the U.S. interstate banking deregulation and consequently affects local economic activity. I exploit heterogeneity in legal enforcement of non-compete covenants across states and over time as exogenous variations in the key channel through which an out-of-state bank could gain access to local information: the mobility of local incum...

Banking system reform, earnings quality and credit allocation

Directory of Open Access Journals (Sweden)

Xiuli Zhu

2012-09-01

Full Text Available This paper investigates credit allocation before and after the 2003 banking system reform in China. We find that relationships between earnings quality and new short-term loans, long-term loans and total loans in listed companies changed significantly after the banking system reform, especially in state-owned listed companies. Further investigation shows that due to the influence of rent-seeking, banks have eased the earnings requirements of non-state-owned listed companies. These findings enhance our understanding of the economic consequences of the banking system reform and of credit discrimination under the new regime.

Water Banks: Using Managed Aquifer Recharge to Meet Water Policy Objectives

Directory of Open Access Journals (Sweden)

Sharon B. Megdal

2014-05-01

Full Text Available Innovation born of necessity to secure water for the U.S. state of Arizona has yielded a model of water banking that serves as an international prototype for effective use of aquifers for drought and emergency supplies. If understood and adapted to local hydrogeological and water supply and demand conditions, this could provide a highly effective solution for water security elsewhere. Arizona is a semi-arid state in the southwestern United States that has growing water demands, significant groundwater overdraft, and surface water supplies with diminishing reliability. In response, Arizona has developed an institutional and regulatory framework that has allowed large-scale implementation of managed aquifer recharge in the state’s deep alluvial groundwater basins. The most ambitious recharge activities involve the storage of Colorado River water that is delivered through the Central Arizona Project (CAP. The CAP system delivers more than 1850 million cubic meters (MCM per year to Arizona’s two largest metropolitan areas, Phoenix and Tucson, along with agricultural users and sovereign Native American Nations, but the CAP supply has junior priority and is subject to reduction during declared shortages on the Colorado River. In the mid-1980s the State of Arizona established a framework for water storage and recovery; and in 1996 the Arizona Water Banking Authority was created to mitigate the impacts of Colorado River shortages; to create water management benefits; and to allow interstate storage. The Banking Authority has stored more than 4718 MCM of CAP water; including more than 740 MCM for the neighboring state of Nevada. The Nevada storage was made possible through a series of interrelated agreements involving regional water agencies and the federal government. The stored water will be recovered within Arizona; allowing Nevada to divert an equal amount of Colorado River water from Lake Mead; which is upstream of CAP’s point of diversion

United States rejoin ITER

International Nuclear Information System (INIS)

Roberts, M.

2003-01-01

Upon pressure from the United States Congress, the US Department of Energy had to withdraw from further American participation in the ITER Engineering Design Activities after the end of its commitment to the EDA in July 1998. In the years since that time, changes have taken place in both the ITER activity and the US fusion community's position on burning plasma physics. Reflecting the interest in the United States in pursuing burning plasma physics, the DOE's Office of Science commissioned three studies as part of its examination of the option of entering the Negotiations on the Agreement on the Establishment of the International Fusion Energy Organization for the Joint Implementation of the ITER Project. These were a National Academy Review Panel Report supporting the burning plasma mission; a Fusion Energy Sciences Advisory Committee (FESAC) report confirming the role of ITER in achieving fusion power production, and The Lehman Review of the ITER project costing and project management processes (for the latter one, see ITER CTA Newsletter, no. 15, December 2002). All three studies have endorsed the US return to the ITER activities. This historical decision was announced by DOE Secretary Abraham during his remarks to employees of the Department's Princeton Plasma Physics Laboratory. The United States will be working with the other Participants in the ITER Negotiations on the Agreement and is preparing to participate in the ITA

THE FINANCIAL SECTOR OF THE STATE - THE STRUCTURE OF THE BANKING SYSTEM WITH A BANKING SECTOR IN CENTRAL AND EASTERN EUROPEAN COUNTRIES

Directory of Open Access Journals (Sweden)

Ljiljana Stošić Mihajlović

2017-10-01

Full Text Available The financial sector of each country in the world has its own specificities that depend on many factors. In this paper we will talk about the structure of the financial system in our country from the aspect of the banking sector. Banks are specialized institutions that have a special role in the development of the country's economic system, as their basic function is to supply the economy with the necessary amount of loans and money. Banking business is a special economic activity. It is determined by the type and content of banking operations. In general terms, banking transactions are divided into two groups: active and passive. The Bank is established as a joint-stock company, which is regulated by the laws on banks and international regulatory frameworks.

Umbilical Cord Blood: Counselling, Collection, and Banking.

Science.gov (United States)

Armson, B Anthony; Allan, David S; Casper, Robert F

2015-09-01

bone marrow or peripheral stem cell transplantation to treat malignant and non-malignant conditions in children and adults. There is minimal harm to the mother or newborn provided that priority is given to maternal/newborn safety during childbirth management. Recipients of umbilical cord stem cells may experience graft-versus-host disease, transfer of infection or genetic abnormalities, or therapeutic failure. The financial burden on the health system for public cord blood banking and on families for private cord blood banking is considerable. Recommendations 1. Health care professionals should be well-informed about cord blood collection and storage and about factors that influence the volume, quality, and ability to collect a cord blood unit. (III-A) 2. Health care professionals caring for women and families who choose private umbilical cord blood banking must disclose any financial interests or potential conflicts of interest. (III-A) 3. Pregnant women should be provided with unbiased information about umbilical cord blood banking options, including the benefits and limitations of public and private banks. (III-A) 4. Health care professionals should obtain consent from mothers for the collection of umbilical cord blood prior to the onset of active labour, ideally during the third trimester, with ample time to address any questions. (III-A) 5. Health care professionals must be trained in standardized procedures (ex utero and in utero techniques) for cord blood collection to ensure the sterility and quality of the collected unit. (II-2A) 6. Umbilical cord blood should be collected with the goal of maximizing the content of hematopoietic progenitors through the volume collected. The decision to bank the unit will depend upon specific measures of graft potency. (II-2A) 7. Umbilical cord blood collection must not adversely affect the health of the mother or newborn. Cord blood collection should not interfere with delayed cord clamping. (III-E) 8. Health care

United States Stateplane Zones - NAD83

Data.gov (United States)

Earth Data Analysis Center, University of New Mexico — U.S. State Plane Zones (NAD 1983) represents the State Plane Coordinate System (SPCS) Zones for the 1983 North American Datum within United States.

United States Stateplane Zones - NAD27

Data.gov (United States)

Earth Data Analysis Center, University of New Mexico — U.S. State Plane Zones (NAD 1927) represents the State Plane Coordinate System (SPCS) Zones for the 1927 North American Datum within United States.

Characteristics of bank financial intermediation in Croatian counties

Directory of Open Access Journals (Sweden)

Jakša Krišto

2015-03-01

Full Text Available Research on bank financial intermediation in a country’s narrower territorial units is scarce, in both domestic and international literature. Banks are almost the only financial intermediaries in narrower territorial units and their role is substantial, ranging from participating in regional development to the successful running of their own business. Hence, the main objective of this paper is to examine the characteristics of the financial intermediation of banks in the counties of the Republic of Croatia, both through a comparison between their economic development levels and the general presence of financial intermediation, and a more specific analysis of their deposit and credit policies. The article uses hierarchical and non-hierarchical (k-means cluster analyses to identify relatively homogeneous groups of counties based on sets of indicators of: economic environment, financial development and infrastructure and, at a more detailed level, the deposit and credit policies of banks. The research results suggest heterogeneity and diversity of bank policies across the counties and sets of indicators. Differences have been observed between developed and developing counties, as well as in approaches to banks’ deposit and credit policies. The paper’s findings encourage further research into these issues.

Present state of electric power business in United States and Europe

International Nuclear Information System (INIS)

Onishi, Kenichi

2011-01-01

This article reported present state of nuclear power and electric power business in United States and Europe after Fukushima Daiichi Accident. As for the trend of demand and supply of electric power and policy, the accident forced Germany possibly to proceed with phase-out of nuclear power, but France and United States to sustain nuclear power with no great change of energy policy at this moment. As for the trend of electric power market, there was not state in United States with liberalized retail market of electric power after rolling blackouts occurred in California State in the early 2000s. In Germany proceeding with renewable energy introduction, renewable electricity fed into the grid was paid for by the network operators at fixed tariffs and the costs passed on to electricity consumers were increasing. Renewable Portfolio Standards (RPS) in United States forced the state to introduction of renewable energy to some ratio, and Feed-in Tariff (FIT) introduced in EU in 1990s lead to introduction of a large amount of renewable electricity targeted in 2020. Huge amount of wind power introduction brought about several problems to solve such that excess electric power above domestic demand had bad effects on grids in neighboring region. Enforcement of power transmission lines was also needed with increase of maximum electric power as well as introduction of a large amount of renewable electricity. (T. Tanaka)

World Bank support for renewable energy - the ASTAE experience

International Nuclear Information System (INIS)

Schaeffer, L.

1999-01-01

Historically, the World Bank has helped finance the generation, transmission and distribution of electricity as well as improvements in supply-side energy efficiency. The World Bank's ability to mainstream renewable energy technologies in developing countries is enhanced by the Global Energy Facility (GEF), the World Bank Solar Initiative (and the nascent Solar Development Corporation), the International Finance Corporation and the Asia Alternative Energy Unit (ASTAE). (orig./RHM)

Measuring the risk of an Iranian banking system using Value at Risk (VaR Model

Directory of Open Access Journals (Sweden)

Sudabeh Morshedian Rafiee

2012-10-01

Full Text Available Measuring risk of financial institutes and banks plays an important role on managing them. Recent financial turmoil in United States banking system has motivated banking industry to monitor risk factors more closely. In this paper, we present an empirical study to measure the risk of some private banks in Iran called Bank Mellat using Value at Risk (VaR method. The proposed study collects the necessary information for the fiscal year of 2010 and analyses them using regression analysis. The study divides the financial data into two groups where the financial data of the first half of year is considered in the first group and the remaining information for the second half of year 2010 is considered in the second group. The implementation of VaR method indicates that financial risks increase during the time horizon. The study also uses linear regression method where independent variable is time, dependent variable is the financial risk, and the results confirm what we have found in the previous part of the survey.

REVENUE DIVERSIFICATION, PERFORMANCE, AND BANK RISK: EVIDENCE FROM INDONESIA

Directory of Open Access Journals (Sweden)

Mutiara Nur Hafidiyah

2016-12-01

Full Text Available This paper examines the effect of revenue diversification on bank performance and bank risk by studying 101 conventional commercial banks in Indonesia over the period of 2010-2014 resulting in 505 observations. By employing panel least square technique, our results show that revenue diversification negatively affects bank performance. Moreover, it is found that diversified banks are riskier than specialized banks. The risk is diminished when state-owned banks diversify their business. Joint venture banks are riskier than other banks when they engage in non-interest income activities.

Death in the United States, 2011

Science.gov (United States)

... Order from the National Technical Information Service NCHS Death in the United States, 2011 Recommend on Facebook ... 2011 SOURCE: National Vital Statistics System, Mortality. Do death rates vary by state? States experience different mortality ...

KINERJA BANK DENGAN RASIO CAMEL TERHADAP PRAKTIK MANAJEMEN LABA

Directory of Open Access Journals (Sweden)

Fransina Wattimena

2017-03-01

Full Text Available This study aimed to measure the performance of the bank by using camel ratio to earnings managementpractices. This research objects used cluster danamon bank ambon total of 14 samples of banks consisting of 2banks conventional danamon and 12 savings and loan business unit danamon using data for 2006-2011. Theresults of studies using T test showed that there had no significant effect between the performance of the bankto the practice of earnings management measured using discretionary accruals in Danamon banks. The resultby using multiple regression analysis showed that there was a significant negative impact on earnings managementpractices. Thus cluster ambon danamon bank had to use earnings management practices.

Assessment of the economic sanctions influence on the Russian banking system

Directory of Open Access Journals (Sweden)

Dilyara F. Zakirova

2018-03-01

making cardinal decisions in this sphere against the background of maintaining the effect of sanctions from the United States and the European Union and perhaps their aggravation after the Russian banks entering the Crimean market it would not be possible to achieve the longterm effect. In this regard it is necessary to develop additional mechanisms to strengthen the banking sector by optimizing its internal costs developing new markets available for longterm borrowing China India Brazil etc. and using additional measures by the Central Bank of the Russian Federation to support the sanctioned credit institutions. Practical significance the main provisions and conclusions of the article can be used in the formation of the development strategy for credit organizations which bear the risks of the deterioration of the financial situation of borrowers due to the general economic situation the restricted access of the sanctioned banks to cheap Western long resources by the Central Bank of the Russian Federation when forming the monetary policy by economists financiers for the expansion and deepening the subject areas of scientific research. The study of the effect of economic sanctions on the banking sector allows predicting the further development of the situation and outline the steps necessary to mitigate the negative external influences within the constraints and to form the patterns of stabilization and development with the aim of increasing bank stability.

31 CFR 103.39 - Person outside the United States.

Science.gov (United States)

2010-07-01

... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Person outside the United States. 103... Person outside the United States. For the purposes of this subpart, a remittance or transfer of funds, or... the United States, shall be deemed to be a remittance or transfer to a person outside the United...

A ESPACIALIZAÇÃO BANCÁRIA NO ESTADO DO PARANÁ: CONTRIBUIÇÃO PARA UMA GEOGRAFIA FINANCEIRA - BANKING SPACE IN THE STATE OF PARANÁ, BRAZIL: A CONTRIBUTION TOWARDS A FINANCIAL GEOGRAPHY

Directory of Open Access Journals (Sweden)

Sandra Lúcia Videira

2017-04-01

Studies on the bank agencies network are highly relevant due to the fact that they are the main means of access and supply of bank services, revealing the region´s economical dynamics. Analyses have shown that bank agencies do not occupy space in a neutral or indifferent manner within Brazil and a trend towards their concentration in a reduced number of attractive spaces may be perceived. The result is the formation of different territorial densities regarding the presence of agencies banking. Current paper focuses on bank agencies in the state of Paraná, Brazil, to understand how they are spatialized in the state, to discover the existence of places which are more or less appealing for banking and to fill a gap in research work on the Financial Geography in that state. Research reveals that banking space in the state of Paraná does not differ from the concentration trend shown in other areas. The above reinforces the idea that bank agencies exist where the highest capital exchange is extant, or rather, in economically dynamic town and cities. Although extremely different way of spatialized, agencies operating in Paraná with a basic trend: they are located concentrate mode.

Introductory user's manual for the US Nuclear Regulatory Commission Reactor Safety Research Data Bank

International Nuclear Information System (INIS)

Scofield, N.R.; Hardy, H.A.; Laats, E.T.

1984-03-01

The United States NRC has established the NRC/Division of Accident Evaluation (DAE) Data Bank Program to collect, store, and make available data from the many domestic and foreign water reactor safety research programs. Local direction of the program is provided by EG and G Idaho, Inc., prime contractor for the Department of Energy (DOE) at the Idaho National Engineering Laboratory (INEL). The NRC/DAE Data Bank Program provides a central computer storage mechanism and access software for data that is to be used by code development and assessment groups in meeting the code and correlation needs of the nuclear industry. The administrative portion of the program provides data entry, documentation, training, and advisory services to users and the NRC. The NRC/DAE Data Bank and the capabilities of the data access software are described in this document

Introductory user's manual for the US Nuclear Regulatory Commission Reactor Safety Research Data Bank

International Nuclear Information System (INIS)

Scofield, N.R.; Hardy, H.A.; Laats, E.T.

1983-02-01

The United States Nuclear Regulatory Commission (NRC) has established the NRC/Division of Accident Evaluation (DAE) Data Bank Program to collect, store, and make available data from the many domestic and foreign water safety research programs. Local direction of the program is provided by E G and G Idaho, Inc., prime contractor for the Department of Energy (DOE) at the Idaho National Engineering Laboratory (INEL). The NRC/DAE Data Bank Program provides a central computer storage mechanism and access software for data that is to be used by code development and assessment groups in meeting the code and correlation needs of the nuclear industry. The administrative portion of the program provides data entry, documentation, training, and advisory services to users and the NRC. The NRC/DAE Data Bank and the capabilities of the data access software are described

Energy problems of the United States

International Nuclear Information System (INIS)

Pertuzio, A.

2006-01-01

The united states are the third world producer of oil which accounts for 440% of world production and 20 million barrels/day of which 60% are imported. That dependence on imports is likely to increase in the next decades. Such supplies and their security are therefore a fundamental factor of the United States foreign policy in combination with their political, economic and strategic objectives in a world both unsure and dangerous

Household pesticide usage in the United States.

Science.gov (United States)

Savage, E P; Keefe, T J; Wheeler, H W; Mounce, L; Helwic, L; Applehans, F; Goes, E; Goes, T; Mihlan, G; Rench, J; Taylor, D K

1981-01-01

A total of 10,000 U.S. households in 25 standard metropolitan statistical areas and 25 counties were included in the United States. More than 8,200 households granted an interview. Nine of every ten households in the United States used some types of pesticide in their house, garden, or yard. Households in the southeastern United States used the most pesticides. Although more than 500 different pesticide formulations were used by the sampled households, 15 pesticides accounted for 65.5% of all pesticides reported in this study. Thirteen of these 15 pesticides were insecticides, one was a herbicide, and one was a rodenticide.

Turkish women's knowledge and views regarding mother's milk banking.

Science.gov (United States)

Gürol, Ayşe; Ozkan, Hava; Celebioğlu, Ayda

2014-01-01

The main aim of the study was to determine the knowledge and views of Eastern Anatolian women towards mother's milk banking. The descriptive research was conducted between March and May 2009. The study population comprised 350 married women aged between 15 and 49 years who gave birth and who were registered with a family health center in Erzurum, Turkey. The data were collected by a questionnaire form. The questionnaire form included open-ended and closed questions regarding the descriptive characteristics and about knowledge and views of mothers on milk banking. The questionnaire form was completed by the women individually. Of the women surveyed, 90.6% indicated they had not previously heard anything about breast milk banking, 64.0% said that they could donate their milk, 36.3% stated it constituted a problem from a religious aspect, and 28.9% said it leads to social and moral problems. The hospital and maternity authorities may consider establishing a "milk mother file". This report addresses the first step in raising awareness of the valuable contribution of donor milk to babies and the organization of human milk donation for use in a neonatal intensive care unit.

TRENDS OF ROMANIAN BANKING NETWORK DEVELOPMENT

Directory of Open Access Journals (Sweden)

Nicoleta Georgeta PANAIT

2015-07-01

Full Text Available Since 2009, two trends occurred in the banking world: downsizing of personnel, on the one hand and the reduction of retail units held, on the other hand. The first trend was most notable in countries with unstable or weak economy. The effects were seen immediately. Reducing of the operating costs and more applied of the territorial structure and staff was a decision that credit institutions in Romania took relatively late. Worldwide banks began a restructuring otherwise dictated by this time not so economic crises new market trends - increasing access to the internet for the population and use of the internet in a growing proportion of internet banking

77 FR 20820 - Change in Bank Control Notices; Acquisitions of Shares of a Bank or Bank Holding Company

Science.gov (United States)

2012-04-06

... Trust, and Gloria Foley, all of Lovington, Illinois, and Paul Michael Hrvol, Jr. and Paul Michael Hrvol... Bancorp, Inc. and thereby indirectly control Hardware State Bank, both of Lovington, Illinois. Board of...

Breast milk banking: current opinion and practice in Australian neonatal intensive care units.

Science.gov (United States)

Lam, Eva Y; Kecskés, Zsuzsoka; Abdel-Latif, Mohamed E

2012-09-01

To find out the knowledge and attitudes of health-care professionals (HCPs) in Australian neonatal intensive care units (NICUs) towards breast milk banking (BMBg) and pasteurised donated breast milk (PDBM). Cross-sectional structured survey of HCPs in all 25 NICUs in Australia. Response rate was 43.4% (n= 358 of 825). Participants included nurses and midwives (291, 81.3%) and the remainder were neonatologists and neonatal trainees (67, 18.7%). A variable number of HCPs agreed that PDBM would decrease the risk of necrotising enterocolitis (81%) and allergies (48.9%), 8.4% thought PDBM will carry risk of infections and 78.8% agreed that PDBM is preferable over formula, but only 67.5% thought that establishing breast milk banks (BMBs) are justifiable. Significant differences were found between doctors and nurses/midwives, with 19.4% of doctors compared with 5.8% of nurses/midwives agreed that PDBM carried an increased risk of infection. Although, over 90% of nurses/midwives and 70% of doctors agreed that the donation of breast milk is important, only 71% of nurses/midwives and 52.2% of doctors thought that setting up a BMB was justifiable. The opinions about BMBg differ widely between HCPs; however, the majority support the practice. HCPs had different knowledge gaps in regard to BMBg. Nurses/midwives positively view the practice of BMBg more strongly compared with neonatologists. © 2012 The Authors. Journal of Paediatrics and Child Health © 2012 Paediatrics and Child Health Division (Royal Australasian College of Physicians).

World Bank support for renewable energy - the ASTAE experience

Energy Technology Data Exchange (ETDEWEB)

Schaeffer, L. [World Bank, Washington, DC (United States). Asia Alternative Energy Unit

1999-07-01

Historically, the World Bank has helped finance the generation, transmission and distribution of electricity as well as improvements in supply-side energy efficiency. The World Bank's ability to mainstream renewable energy technologies in developing countries is enhanced by the Global Energy Facility (GEF), the World Bank Solar Initiative (and the nascent Solar Development Corporation), the International Finance Corporation and the Asia Alternative Energy Unit (ASTAE). (orig./RHM)

Professional Training in Software Engineering: A Critical Need in the United States

Directory of Open Access Journals (Sweden)

Jennifer Waldrow

2012-06-01

Full Text Available The software is related to almost every aspect of daily life: manufacturing, banking, travel, communications, defense, medicine, research, government, education, entertainment, law ... Is an essential part of military systems and is used in all civilian sectors, including safety and mission critical. Moreover, the complexity of many of these systems has increased exponentially in recent decades and the software has become an essential component for all of them. Unfortunately, the "systems of higher education", in almost all countries have not kept pace with these changes. The current science and engineering programs, both undergraduate and graduate, they need to incorporate more training in Software Engineering. It is especially true in areas such as aerospace engineering, because these systems are highly dependent on computer, information, communications and software. This article presents an analysis of the current situation of the United States in what has to do with software engineering training that receive and require the aerospace engineers.

75 FR 13345 - Pricing for Certain United States Mint Products

Science.gov (United States)

2010-03-19

... DEPARTMENT OF THE TREASURY United States Mint Pricing for Certain United States Mint Products AGENCY: United States Mint, Department of the Treasury. ACTION: Notice. SUMMARY: The United States Mint is announcing the price of First Spouse Bronze Medals and 2010 First Spouse Bronze Medal Series: Four...

THE ROMANIAN BANKING COMPETITION AND THE ACCESSION TO EU

Directory of Open Access Journals (Sweden)

Bogdan Capraru

2010-07-01

Full Text Available In this study we try to assess banking competition in the Romania for 2001 – 2008, taking into account the evolution of market share of the top five, Herfindahl-Hirschman Index (HHI, performances indicators like ROA and ROE and evolutions of deposit and loans rates. We observed that the competition in the Romanian banking system increases continuously in the last years. The main factors which have influenced this process were: the privatization of the majority of state capital banks and the perspective of accession of our country in the EU. In the period assessed, there are two approaches: in the first period banks have had very good performances due to their market share in a low competitive banking environment and after the privatization of some state capital banks, the leader of the market lost market share in the favor of other bank with greater performances.

Cost-effectiveness of private umbilical cord blood banking.

Science.gov (United States)

Kaimal, Anjali J; Smith, Catherine C; Laros, Russell K; Caughey, Aaron B; Cheng, Yvonne W

2009-10-01

To investigate the cost-effectiveness of private umbilical cord blood banking. A decision-analytic model was designed comparing private umbilical cord blood banking with no umbilical cord blood banking. Baseline assumptions included a cost of $3,620 for umbilical cord blood banking and storage for 20 years, a 0.04% chance of requiring an autologous stem cell transplant, a 0.07% chance of a sibling requiring an allogenic stem cell transplant, and a 50% reduction in risk of graft-versus-host disease if a sibling uses banked umbilical cord blood. Private cord blood banking is not cost-effective because it cost an additional $1,374,246 per life-year gained. In sensitivity analysis, if the cost of umbilical cord blood banking is less than $262 or the likelihood of a child needing a stem cell transplant is greater than 1 in 110, private umbilical cord blood banking becomes cost-effective. Currently, private umbilical cord blood banking is cost-effective only for children with a very high likelihood of needing a stem cell transplant. Patients considering private blood banking should be informed of the remote likelihood that a unit will be used for a child or another family member. III.

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.

The United Kingdom: Issues for the United States

National Research Council Canada - National Science Library

Archick, Kristin

2007-01-01

...; and more recently, from the UK's strong support in countering terrorism and confronting Iraq. The United States and Britain also share a mutually beneficial trade and economic relationship, and are each other's biggest foreign direct investors...

China's Banking: How Reforms Lost Momentum

OpenAIRE

Leo F. Goodstadt

2014-01-01

This paper investigates China's pattern of decade-plus delays in implementing banking reforms. It identifies the ideological factors involved, particularly the persistent suspicion of 'market forces' as the economy's driving force. The dependence on the banks to finance the economic and social costs of the retreat from state planning is traced, together with the costs to the banks of funding such urgent national programmes as the 2008 economic stimulus package and the current affordable housi...

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...

Radiation therapy facilities in the United States

International Nuclear Information System (INIS)

Ballas, Leslie K.; Elkin, Elena B.; Schrag, Deborah; Minsky, Bruce D.; Bach, Peter B.

2006-01-01

Purpose: About half of all cancer patients in the United States receive radiation therapy as a part of their cancer treatment. Little is known, however, about the facilities that currently deliver external beam radiation. Our goal was to construct a comprehensive database of all radiation therapy facilities in the United States that can be used for future health services research in radiation oncology. Methods and Materials: From each state's health department we obtained a list of all facilities that have a linear accelerator or provide radiation therapy. We merged these state lists with information from the American Hospital Association (AHA), as well as 2 organizations that audit the accuracy of radiation machines: the Radiologic Physics Center (RPC) and Radiation Dosimetry Services (RDS). The comprehensive database included all unique facilities listed in 1 or more of the 4 sources. Results: We identified 2,246 radiation therapy facilities operating in the United States as of 2004-2005. Of these, 448 (20%) facilities were identified through state health department records alone and were not listed in any other data source. Conclusions: Determining the location of the 2,246 radiation facilities in the United States is a first step in providing important information to radiation oncologists and policymakers concerned with access to radiation therapy services, the distribution of health care resources, and the quality of cancer care

The world bank and the environment, exercise 1992. Annual report

International Nuclear Information System (INIS)

1992-01-01

The report describes the Bank's activities in assisting countries with environmental management, such as programs to reduce poverty without exhausting natural resources. Included are assessments of the environmental impacts of projects supported by World Bank loans, and accounts of efforts to meet global environmental challenges with coordinated international action through the Global Environment Facility (GEF). Among the events in the period covered by the report are the affirmation of the World Bank's participation with United Nations organizations in the GEF and the Bank's administration of pilot programs aimed at finding solutions to such global environmental problems as pollution of international waters, global warming, depletion of the Earth's ozone layer, and dwindling biological diversity; the United Nations Conference on Environment and Development; and the publication of the World Development Report 1992, with its theme of development and the environment

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...

75 FR 13345 - Pricing for Certain 2010 United States Mint Products

Science.gov (United States)

2010-03-19

... DEPARTMENT OF THE TREASURY United States Mint Pricing for Certain 2010 United States Mint Products AGENCY: United States Mint, Department of the Treasury. ACTION: Notice. SUMMARY: The United States Mint is announcing the price of the 2010 United States Mint Presidential $1 Coin and First Spouse Medal...

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.

Intergenerational educational mobility in Denmark and the United States

DEFF Research Database (Denmark)

Andrade, Stefan Bastholm; Thomsen, Jens-Peter

2018-01-01

An overall finding in comparative mobility studies is that intergenerational mobility is greater in Scandinavia than in liberal welfare-state countries like the United States and United Kingdom. However, in a recent study, Landersø and Heckman (L & H) (2017) argue that intergenerational educational...... mobility in Denmark and the United States is remarkably similar. L & H’s findings run contrary to widespread beliefs and have been echoed in academia and mass media on both sides of the Atlantic Ocean. In this article, we reanalyze educational mobility in Denmark and the United States using the same data...... sources as L & H. We apply several different methodological approaches from economics and sociology, and we consistently find that educational mobility is higher in Denmark than in the United States....

Toll Facilities in the United States

Data.gov (United States)

Department of Transportation — Biennial report containing selected information on toll facilities in the United States that has been provided to FHWA by the States and/or various toll authorities...

Remote aerosol testing of large size HEPA filter banks

International Nuclear Information System (INIS)

Franklin, B.; Pasha, M.; Bronger, C.A.

1987-01-01

Different methods of testing HEPA filter banks are described. Difficulties in remote testing of large banks of HEPA filters in series with minimum distances between banks, and with no available access upstream and downstream of the filter house, are discussed. Modifications incorporated to make the filter system suitable for remote testing without personnel re-entry into the filter house are described for a 51,000 m/sup 3//hr filter unit at the WIPP site

State nuclear initiatives in the United States

International Nuclear Information System (INIS)

Strauss, P.L.; Stoiber, C.R.

1977-01-01

The paper deals with State nuclear initiatives regarding the role of nuclear power in the energy future of the United States. The question of whether and under what circumstances nuclear facilities should be used to generate electricity was put to the popular vote in several States in 1976. Some general principles of Federal-State relations are discussed with specific reference to nuclear regulations. The initiative mechanism itself is described as well as its legal form and background. The parallel developments in the State and Federal legislative consideration of nuclear issues is reviewed and the suggested reasons for the defeat of the proposals in the seven States concerned are discussed. Finally, the author draws some conclusions on the effects of the 1976 initiatives on future decision-making in the US on energy policy in general and nuclear power in particular. (NEA) [fr

Some Considerations Regarding the European Banking Union

Directory of Open Access Journals (Sweden)

Marius Eugen Radu

2016-09-01

Full Text Available Union Bank is a surveillance system and an EU bank resolution, which operates on the basis of EU wide rules. It aims to ensure that the banking sector in the euro area and the EU in general is safe and reliable and viable banks benefiting from resolution without recourse to taxpayer funds and with minimal impact on the real economy. Banking union members are all euro-zone countries and EU Member States that have chosen to participate. All countries will adopt the euro in the future will automatically become members of the banking union. Countries that are not part of the euro area can join by establishing a close cooperation agreement.

Analysis of the current financial analysis. Where do they take these billions they have not? How the State, insurer in last resort, offers access to the European Central Bank

OpenAIRE

Vallageas, Bernard

2009-01-01

The first stage of the plan for rescuing French banks in October 2008 rules that a special company owned by the State and the banks will borrow on the “markets” with the State warranty. The money collected will be lent to the banks so that they can finance economy. This is curious because there is no explanation of money creation, as if “markets” created money. Actually we demonstrate that the banks can use the special company to create money for themselves, then to lend the money to economy ...

27 CFR 479.89 - Transfers to the United States.

Science.gov (United States)

2010-04-01

... Transfers to the United States. A firearm may be transferred to the United States or any department... 27 Alcohol, Tobacco Products and Firearms 3 2010-04-01 2010-04-01 false Transfers to the United States. 479.89 Section 479.89 Alcohol, Tobacco Products, and Firearms BUREAU OF ALCOHOL, TOBACCO...

China’s Flawed Banking Market Structure Must be Rectified

Institute of Scientific and Technical Information of China (English)

于永臻

2007-01-01

There is great disparity between China’s banking management efficiency and the top international standard,with relatively low efficiency in credit monetary allocation.In this paper,Yu Yongzhen sets out the hypothesis that"medium-sized banks promote competition".He believes that an important reason for the low efficiency of Chinese banking is the seriously flawed banking market structure.Namely,credit market shares are highly concentrated in the hands of the four major state-owned banks,with very few shares held by medium-sized banks or the badly undeveloped small banks.Full development of medium-sized banks plays a key role in the promotion of competition and efficiency in banking.

IMPACT OF THE GLOBAL FINANCIAL CRISIS ON THE CREDIT RISK MANAGEMENT IN A BANK

Directory of Open Access Journals (Sweden)

Jerzy Piotr Gwizdała

2016-06-01

Full Text Available The main purpose of this article is to present the role of risk in the activity of a commercial bank with particular reference to the global financial crisis. The introductory part presents the origins of economic crises, especially the contemporary crisis from 2007-2010, which began in the United States subprime mortgage market. Dating back to the 1831, considerations allow to undetstand the causes of the crises. Then the impact of the global financial crisis on the scale of the crediting activities of banks in Poland was analyzed, presenting a credit portfolio structure, with a particular focus on the structure of loans to households and enterprises. In the second part of the article the process of credit risk management was discussed, paying attention to the crucial role of the bank's credit policy, and the conditions and prospects of commercial bank credit activity development were specified. It presents also the criteria for the proper credit management, indicating as the optimal solution the development of the so-called „credit textbook”.

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

Cord Blood Banking and Transplantation in China: A Ten Years Experience of a Single Public Bank.

Science.gov (United States)

Liu, Jinhui; He, Ji; Chen, Shu; Qin, Fei; Wang, Fang; Xu, Gang; Zhu, Faming; Lv, Hangjun; Yan, Lixing

2012-02-01

BACKGROUND: Umbilical cord blood (UCB) has successfully used for transplantation to treat hematologic malignancies and genetic diseases. Herein, we describe the experience generated in a single public UCB bank at Zhejiang Province in China. METHODS: Good manufacturing practice and standard operating procedures were used to address donor selection as well as UCB collection, processing, and cryopreservation. Total nucleated cells (TNCs), cellular viability, CD34+ cells, and colony-forming units were determined, and infectious diseases screening test, sterility test, and HLA typing for UCB units were done. RESULTS: Only 18.51% of all collected UCB units met storage criteria, and 7,056 UCB units were cryopreserved in 10 years. The volume of UCB units was 95.0 ± 22.0 ml. The number of TNCs before and after processing was 13.32 ± 3.63 × 10(8) and 10.63 ± 2.80 × 10(8), respectively, and the recovery rate was 80.71 ± 11.26%. 0.4344 ± 0.1874% of the TNCs were CD34+ cells. The CFU-GM was 32.1 ± 28.0 colonies per 1 × 10(5) nucleated cells. Based mainly on HLA and nucleated cell content, 26 UCB units were released for transplantation. CONCLUSIONS: A public UCB bank was successfully established in China; collection and processing of UCB units should be optimized in order to gain maximum volume and cell count.

Summary of floods in the United States during 1958

Science.gov (United States)

Hendricks, E.L.

1964-01-01

This report describes the most outstanding floods that occurred in the United States during 1958.A series of storms from January 23 to February 16 brought large amounts of precipitation to northern California and produced damaging floods, particularly in the Lower Sacramento Valley where losses totaled about \\$12 million.Major floods, notable because of the large area affected, occurred on many small streams in central and south Texas, following heavy general rains in late February. Extensive flooding occurred along the Gulf Coastal plain on the lower reaches of the major streams from the Brazos River to the Nueces River. Two lives were lost, and property damage exceeded \\$1 million.Damaging floods of April 1-7 followed one of the wettest winters in California history. Swollen streams overflowed their banks throughout the central part of the State, and discharge peaks on many streams exceeded those .of the floods of December 1955. Most severely flooded was the San Francisco Bay area. Total flood damage was estimated at \\$23 million.The storms and floods of April-May in Louisiana and adjacent States outranked all other floods in the United States during 1958 with respect to intensity of rain over a large area, number of streams having maximum discharge of record, rare occurrence of peaks, and great amount (\\$21 million) of resultant damage.Heavy rains on June 8-15 caused one of the greatest summer floods of record in central Indiana. Peak discharges were high and of rare occurrences. Failure of numerous levees along the Wabash River caused great damage. Crop damage alone was estimated at \\$48 million.Intense rains of July 1-2 caused record-breaking floods in southwestern Iowa. Rapid rises and the great magnitude of the floods on small streams resulted in 18 deaths and many injuries. Six towns and cities along the East Nishnabotna River and its tributaries were particularly hard hit; rural damage was also high. Total damage was estimated at \\$15 million

32 CFR 516.54 - Witnesses for the United States.

Science.gov (United States)

2010-07-01

... 32 National Defense 3 2010-07-01 2010-07-01 true Witnesses for the United States. 516.54 Section..., Travel, and Expenses of Witnesses § 516.54 Witnesses for the United States. (a) Status of witness. A military member authorized to appear as a witness for the United States, including those authorized to...

32 CFR 150.21 - Appeals by the United States.

Science.gov (United States)

2010-07-01

... 32 National Defense 1 2010-07-01 2010-07-01 false Appeals by the United States. 150.21 Section 150... the United States. (a) Restricted filing. Only a representative of the government designated by the Judge Advocate General of the respective service may file an appeal by the United States under Article...

Deconstructing the risk for malaria in United States donors deferred for travel to Mexico.

Science.gov (United States)

Spencer, Bryan; Kleinman, Steven; Custer, Brian; Cable, Ritchard; Wilkinson, Susan L; Steele, Whitney; High, Patrick M; Wright, David

2011-11-01

More than 66,000 blood donors are deferred annually in the United States due to travel to malaria-endemic areas of Mexico. Mexico accounts for the largest share of malaria travel deferrals, yet it has extremely low risk for malaria transmission throughout most of its national territory, suggesting a suboptimal balance between blood safety and availability. This study sought to determine whether donor deferral requirements might be relaxed for parts of Mexico without compromising blood safety. Travel destination was recorded from a representative sample of presenting blood donors deferred for malaria travel from six blood centers during 2006. We imputed to these donors reporting Mexican travel a risk for acquiring malaria equivalent to Mexican residents in the destination location, adjusted for length of stay. We extrapolated these results to the overall US blood donor population. Risk for malaria in Mexico varies significantly across endemic areas and is greatest in areas infrequently visited by study donors. More than 70% of blood donor deferrals were triggered by travel to the state of Quintana Roo on the Yucatán Peninsula, an area of very low malaria transmission. Eliminating the travel deferral requirement for all areas except the state of Oaxaca might result in the recovery of almost 65,000 blood donors annually at risk of approximately one contaminated unit collected every 20 years. Deferral requirements should be relaxed for presenting donors who traveled to areas within Mexico that confer exceptionally small risks for malaria, such as Quintana Roo. © 2011 American Association of Blood Banks.

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...

United States housing, first quarter 2013

Science.gov (United States)

Delton Alderman

2014-01-01

Provides current and historical information on housing market in the United States. Information includes trends for housing permits and starts, housing under construction, and housing completions for single and multifamily units, and sales and construction. This report will be updated regularly.

Fostering public cord blood banking and research in Canada.

Science.gov (United States)

Isasi, Rosario; Dalpe, Gratien; Knoppers, Bartha M

2013-12-01

In June 2013, Canadian Blood Services (CBS) established the National Public Cord Blood Bank (NPCBB) accessible to Canadian and international patients and researchers. The NPCBB promotes efforts that contribute to research and improved clinical care by making units not suitable for banking or transplantation available for research. In the context of the NPCBB of the CBS, this article will focus on the practical tools (e.g., consent protocols) developed to optimize umbilical cord blood (UCB) banking and research while enabling ethical provenance of UCB stem cells. The Canadian approach represents an ideal model for comparison as it is a country in which the national public bank (and other regional/provincial public banks) coexists with private companies.

A trajetória do Banco do Brasil no período recente, 2001-2006: banco público ou banco estatal "privado"? The recent path of the bank of Brazil, 2001-2006: public bank or "private" state-owned bank?

Directory of Open Access Journals (Sweden)

Rogerio Pereira de Andrade

2009-04-01

Full Text Available O objetivo deste texto é avaliar a performance do Banco do Brasil (BB no período 2001-2006, enfatizando os seguintes aspectos: O desempenho do BB correspondeu ao de um banco público tradicional que atua como um importante instrumento de governo para a promoção do desenvolvimento? Ou, ao invés disso, a trajetória recente do banco pode ser caracterizada pelo reforço de uma lógica privada de atuação? O texto procura levantar algumas questões relativas ao papel do Estado na atividade econômica, particularmente o papel que um grande banco estatal pode e deve ter para financiar o desenvolvimento em um país periférico (e desigual como o Brasil. A conclusão mais geral é que, desde meados dos anos 1980, o Banco do Brasil tem perdido crescentemente a função básica que costumava exercer como banco público.The purpose of this paper is to assess the performance of the Bank of Brazil (BB in the 2001-2006 period, with a focus on the following aspects: has the BB actually performed the role of a typical public bank, functioning as an important instrument to foster development in Brazil? Or, instead, has its recent path been characterised by the reinforcement of a private logic of behaviour? The paper aims at raising a few questions regarding the role of the state in the economic activity, particularly the role that a big state-owned bank can and must perform to finance development in a peripheral (and unequal country like Brazil. The general conclusion is that, since the mid-80s, the BB has increasingly lost the key function that it formerly exerted as a public bank. A distinct pattern of behaviour has emerged, characterised by the bank's transformation into a "more private, less public" institution.

Case law: France, Germany, India, Switzerland, United States

International Nuclear Information System (INIS)

Anon.

2012-01-01

France: Administrative Court of Appeal of Lyon, 19 June 2012, Judgements Nos. 12LY00233 and 12LY00290 regarding EDF's permit to construct a waste conditioning and storage facility (ICEDA) in the town of Saint-Vulbas; Conseil d'Etat decision regarding Atelier de technologie de plutonium (ATPu) located at the Cadarache site. Germany: Request for arbitration against Germany at the World Bank's International Centre for the Settlement of Investment Disputes (ICSID) because of Germany's legislation leading to the phase-out of nuclear energy. India: Cases related to the Kudankulam Nuclear Power Project (KKNPP). Switzerland: Judgement of the Federal Administrative Court in the matter of Balmer-Schafroth a.o.v. BKW FMB Energy Inc. on the revocation of the operating licence for the Muehleberg nuclear power plant. United States: Judgement of the Court of Appeals for the D.C. Circuit vacating the NRC's 2010 Waste Confidence Decision and Rule Update; U.S. Supreme Court declines petition for certiorari filed by property owners on Price- Anderson Act claim for damages; Judgement of the NRC Atomic Safety and Licensing Board finding applicants ineligible to obtain a combined license because they are owned by a U.S. corporation that is 100% owned by a foreign corporation; Judgement of an NRC Atomic Safety and Licensing Board Authorizing Issuance of a license for the construction and operation of a commercial laser enrichment facility

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

Directory of Open Access Journals (Sweden)

Tetiana Vasilyeva

2016-10-01

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

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

Directory of Open Access Journals (Sweden)

Murti Lestari

2010-05-01

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

Arsenic in Ground Water of the United States

Science.gov (United States)

... Team More Information Arsenic in groundwater of the United States Arsenic in groundwater is largely the result of ... Gronberg (2011) for updated arsenic map. Featured publications United States Effects of human-induced alteration of groundwater flow ...

Organizational provision of management of bank financial and economic activities

Directory of Open Access Journals (Sweden)

O.V. Lysenok

2018-04-01

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

Enrichment situation outside the United States

International Nuclear Information System (INIS)

Anon.

1979-01-01

Different enrichment technologies are briefly characterized which include gaseous diffusion, which is presently the production mainstay of the United States and France; the gaseous centrifuge which is the production plant for Urenco and the technology for future United States enrichment expansion; the aero-dynamic processes which include the jet nozzle (also known as the Becker process) and the fixed-wall centrifuge (also known as the Helikon process); chemical processes; laser isotope separation processes (also referred to in the literature as LIS); and plasma technology

Private Cord Blood Banking: Experiences And Views Of Pediatric Hematopoietic Cell Transplantation Physicians

Science.gov (United States)

Thornley, Ian; Eapen, Mary; Sung, Lillian; Lee, Stephanie J.; Davies, Stella M.; Joffe, Steven

2011-01-01

Objective Private cord blood banks are for-profit companies that facilitate storage of umbilical cord blood for personal or family use. Pediatric hematopoietic cell transplantation (HCT) physicians are currently best situated to use cord blood therapeutically. We sought to describe the experiences and views of these physicians regarding private cord blood banking. Participants and Methods Emailed cross-sectional survey of pediatric HCT physicians in the United States and Canada. 93/152 potentially eligible physicians (93/130 confirmed survey recipients) from 57 centers responded. Questions addressed the number of transplants performed using privately banked cord blood, willingness to use banked autologous cord blood in specific clinical settings, and recommendations to parents regarding private cord blood banking. Results Respondents reported having performed 9 autologous and 41 allogeneic transplants using privately banked cord blood. In 36/40 allogeneic cases for which data were available, the cord blood had been collected because of a known indication in the recipient. Few respondents would choose autologous cord blood over alternative stem cell sources for treatment of acute lymphoblastic leukemia in second remission. In contrast, 55% would choose autologous cord blood to treat high-risk neuroblastoma, or to treat severe aplastic anemia in the absence of an available sibling donor. No respondent would recommend private cord blood banking for a newborn with one healthy sibling when both parents were of Northern European descent; 11% would recommend banking when parents were of different minority ethnicities. Conclusions Few transplants have been performed using cord blood stored in the absence of a known indication in the recipient. Willingness to use banked autologous cord blood varies depending on disease and availability of alternative stem cell sources. Few pediatric HCT physicians endorse private cord blood banking in the absence of an identified recipient

Credit price optimisation within retail banking

African Journals Online (AJOL)

2014-02-14

Feb 14, 2014 ... function. Cross and Dixit [5] state that the key to customer-centric pricing is to set prices that accurately reflect the perceived value of products per customer segment, .... 1The interest rate at which commercial banks can borrow money from the Reserve Bank. ..... following additional parameters are required:.

Leading Causes of Death in Females United States

Science.gov (United States)

... and Health Issues at Work Health Equity Leading Causes of Death in Females, United States Recommend on Facebook Tweet ... to current and previous listings for the leading causes of death in females in the United States. Please note ...

Evaluation of biological samples for specimen banking and biomonitoring by nuclear methods

International Nuclear Information System (INIS)

Stone, S.F.; Zeisler, R.

1984-01-01

In a pilot program for environmental specimen banking, human livers and marine mussels (Mytilus edulis) were sampled, analyzed and banked. Nuclear methods played a major role in the evaluation of the samples by providing concentration data for up to 37 major, mineral, and trace elements. Instrumental neutron activation analysis was complemented by neutron-capture prompt gamma activation analysis, radiochemical separations and, for the mussels, by instrumental X-ray fluorescence analysis. A cryogenic homogenization procedure was applied for sample preparation and evaluated. Assessment of accuracy was made by analyzing Standard Reference Materials and by intercomparing the techniques. Results are reported for 66 individual human liver specimens, collected at three locations in the United States, and for batches of 65 mussels from a collection made at Narragansett Bay, RI. 19 references, 23 figures, 4 tables

33 CFR 2.38 - Waters subject to the jurisdiction of the United States; waters over which the United States has...

Science.gov (United States)

2010-07-01

... 33 Navigation and Navigable Waters 1 2010-07-01 2010-07-01 false Waters subject to the jurisdiction of the United States; waters over which the United States has jurisdiction. 2.38 Section 2.38 Navigation and Navigable Waters COAST GUARD, DEPARTMENT OF HOMELAND SECURITY GENERAL JURISDICTION...

75 FR 65331 - Federal Home Loan Bank Members Selected for Community Support Review

Science.gov (United States)

2010-10-22

... Bank, FSB Saint Cloud Minnesota. Capital Bank Saint Paul Minnesota. Bremer Bank, National Association........ South St. Paul Minnesota. Farmers & Merchants State Bank of Springfield Minnesota. Springfield. Central... Bank Denver Colorado. FirstBank of Cherry Creek--Denver, CO.... Denver Colorado. FirstBank of Denver...

Unites States and the oil of the Middle-East

International Nuclear Information System (INIS)

Noel, P.

2005-08-01

The author discusses different aspects of the United States intervention and behavior in the Middle-East petroleum management. The Iraq and Iran potentials are largely under used. The Saudi Arabia defines its own oil policy, but benefits of the Unites States military help. The United States intervention is in the domain of the security of flux on the world market. (A.L.B.)

Characteristics of the first human milk bank in Taiwan.

Science.gov (United States)

Chang, Fang-Yuan; Cheng, Shao-Wen; Wu, Tsung-Zu; Fang, Li-Jung

2013-02-01

The benefits of feeding human milk to infants, even in prematurity, have been well documented. Well-organized donor milk processing has made the milk bank a good source of nutrition for premature or sick infants if their own mother's milk is not sufficient or suitable. The Taipei City Hospital Milk Bank was established in 2005 and is the first nonprofit human milk bank to operate in Taiwan. The milk bank has adopted standards of practice laid down by the Human Milk Banking Association of North America and United Kingdom Association for Milk Banking. The clinical characteristics of the eligible milk donors, the recipients, and the donor milk were reviewed retrospectively. In the past 6 years, 816 eligible donors donated a total or 13,900 L (mean 17.03 L/donor) of breast milk. The mean age of these donors was 31.3 years, and 79.7% of them had college education. Most had term delivery (91.2%), with mean birth weight of their babies being 3120 g; 68.9% of the donors were primiparas. A total of 551 infants had received bank milk, with these indications: prematurity (65.4%), malabsorption (7.6%), feeding intolerance (7.2%), maternal illness (5.1%) and post-surgery (4.6%). The pass rate of raw donor milk was around 72.1%. The most common reasons to discard raw milk were Gram-negative rods contamination (72.8%) and ≥10 colony-forming units/mL of coagulase-negative Staphylococcus (62.3%). Only 0.63% of donor milk post pasteurization showed bacterial growth. Proper management and operation of a human milk bank can support breastfeeding, and provide a safe alternative to artificial formula for feeding preterm or ill infants in Taiwan. Sustainability of the milk bank needs more propagation and financial support by health authorities. Copyright © 2012. Published by Elsevier B.V.

12 CFR 1229.9 - Discretionary actions applicable to significantly undercapitalized Banks.

Science.gov (United States)

2010-01-01

...-balance sheet obligations. Such reduction may be stated in an absolute dollar amount, as a percentage of...) Reduce the amount of any asset or class of asset held by the Bank. Such reduction may be stated in an... Director determines such action will help ensure the safe and sound operation of the Bank and the Bank's...

Food irradiation in the United States

International Nuclear Information System (INIS)

Pauli, G.H.

1991-01-01

Since 1963, some irradiated foods have been permitted for sale in the United States. Yet, at this time, commercial application has been limited to irradiation of a relatively small fraction of the spices and seasonings used as ingredients in other foods. The current situation regarding irradiated foods in the United States and how it developed is discussed. The author writes from experience gained as a Government regulator concerned primarily with ensuring safety of food and therefore this is stressed together with the crucial role played by consumers and industry. (author)

Introductory user's manual for the US Nuclear Regulatory Commission Reactor Safety Research Data Bank. Revision 3

International Nuclear Information System (INIS)

Hardy, H.A.; Laats, E.T.

1985-03-01

The United States Nuclear Regulatory Commission (USNRC) has established the NRC/Division of Accident Evaluation (DAE) Data Bank Program to collect, store, and make available data from the many domestic and foreign water reactor safety research programs. Local direction of the program is provided by EG and G Idaho, Inc., prime contractor for the Department of Energy (DOE) at the Idaho National Engineering Laboratory (INEL). The NRC/DAE Data Bank Program provides a central computer storage mechanism and access software for data to be used by code development and assessment groups in meeting the code correlation needs of the nuclear industry. The administrative portion of the program provides data entry, documentation, training, and advisory services to users and the USNRC. The NRC/DAE Data Bank and the capabilities of the data access software are described in this document

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

The State Geologic Map Compilation (SGMC) geodatabase of the conterminous United States

Science.gov (United States)

Horton, John D.; San Juan, Carma A.; Stoeser, Douglas B.

2017-06-30

The State Geologic Map Compilation (SGMC) geodatabase of the conterminous United States (https://doi. org/10.5066/F7WH2N65) represents a seamless, spatial database of 48 State geologic maps that range from 1:50,000 to 1:1,000,000 scale. A national digital geologic map database is essential in interpreting other datasets that support numerous types of national-scale studies and assessments, such as those that provide geochemistry, remote sensing, or geophysical data. The SGMC is a compilation of the individual U.S. Geological Survey releases of the Preliminary Integrated Geologic Map Databases for the United States. The SGMC geodatabase also contains updated data for seven States and seven entirely new State geologic maps that have been added since the preliminary databases were published. Numerous errors have been corrected and enhancements added to the preliminary datasets using thorough quality assurance/quality control procedures. The SGMC is not a truly integrated geologic map database because geologic units have not been reconciled across State boundaries. However, the geologic data contained in each State geologic map have been standardized to allow spatial analyses of lithology, age, and stratigraphy at a national scale.

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...

Exporting Rambutan to United States: One Reality?

International Nuclear Information System (INIS)

Ahmad Zainuri Mohd Dzomir; Zainon Othman; Mohd Sidek Othman

2011-01-01

Rambutan is a one of commodity that are passed by United States of America authority to be market in that states. The main condition for the approval is the exporter must use irradiation technology as quarantine treatment to monitor the insects in there. United States of America's Agriculture Department (USDA-APHIS) has make early survey to the facilities involved in exporting process chain to overview Malaysia preparedness for this purpose. This paper work will discussed the possibility of this exporting implemented based on conditions rule by the USDA. (author)

European bank for reconstruction and development

Directory of Open Access Journals (Sweden)

Kastratović Radovan

2015-01-01

Full Text Available European Bank for Reconstruction and Development - EBRD was established in the year 1991 and commenced operations in 1991. The objective of the Bank was to instigate market oriented approach to business in the countries of Central and Eastern Europe. This comprises support offered to structural reforms, privatisation, and development of entrepreneurship and legal system through financing of project conducive to the achievement of the aimed targets. The Bank approves loans both to the nation states and to the private sector. European Bank for Reconstruction and Development often appears in the role of investor. In addition, the Bank has also its consultative function. Owners of the European Bank for Reconstruction and Development are the developed countries and those that participate in the distribution of the Bank's profit. The Bank invests in the countries of Central, Eastern and South-East Europe, but also in those of Central Asia and Southern Mediterranean. The importance that the European Bank for Reconstruction and Development has for our country is best illustrated by the fact that this Bank is our largest institutional investor, with investments exceeding 3.5 billion EUR. This work begins with presentation of general information on the work of the European Bank for Reconstruction and Development, its objectives, activities, background history, ownership and organisational structure. It proceeds by giving relevant data on the Bank's business operations - the manner of project financing, the Bank's funds distribution per geographic criteria and activities, and the operative and financial results of the Bank's business activities. Brief description is also offered of the cooperation that the European Bank has with other international financial institutions. Finally, data is given bearing witness on the importance that the European Bank for Reconstruction and Development has for Serbia.

Wheat rusts in the United States in 2016

Science.gov (United States)

In 2016, wheat stripe rust caused by Puccinia striiformis f. sp. graminis was widespread throughout the United States. Cool temperatures and abundant rainfall in the southern Great Plains allowed stripe rust to become widely established and spread throughout the Great Plains and eastern United State...

Electronic Payment Adoption in the Banking Sector of Low-Income Countries

OpenAIRE

Teshome Alemu; Tridib Bandyopadhyay; Solomon Negash

2015-01-01

Banks in low-income countries are launching e-banking services such as Internet banking, SMS banking, ATM banking, card banking, point of sales (PoS) and mobile banking. Among these planned services, ATM is the most matured service in many private and state owned banks in Ethiopia. ATM is a recent phenomenon in low-income countries (; ), and is still being introduced in financial sectors in low-income countries (Angeli, 2008; ) making investigation of factors of ICT technology adoption in low...

77 FR 35965 - Federal Home Loan Bank Members Selected for Community Support Review

Science.gov (United States)

2012-06-15

.... Crown Bank Ocean City New Jersey. Hopewell Valley Community Bank Pennington New Jersey. Rumson-Fair... Thomasville Georgia. The Park Avenue Bank Valdosta Georgia. Oconee State Bank Watkinsville Georgia. Atlantic... First Bank, National Forest Ohio. Association. The Croghan Colonial Bank Fremont Ohio. Ohio Catholic...

United States National Seismographic Network

International Nuclear Information System (INIS)

Buland, R.

1993-09-01

The concept of a United States National Seismograph Network (USNSN) dates back nearly 30 years. The idea was revived several times over the decades. but never funded. For, example, a national network was proposed and discussed at great length in the so called Bolt Report (U. S. Earthquake Observatories: Recommendations for a New National Network, National Academy Press, Washington, D.C., 1980, 122 pp). From the beginning, a national network was viewed as augmenting and complementing the relatively dense, predominantly short-period vertical coverage of selected areas provided by the Regional Seismograph Networks (RSN's) with a sparse, well-distributed network of three-component, observatory quality, permanent stations. The opportunity finally to begin developing a national network arose in 1986 with discussions between the US Geological Survey (USGS) and the Nuclear Regulatory Commission (NRC). Under the agreement signed in 1987, the NRC has provided $5 M in new funding for capital equipment (over the period 1987-1992) and the USGS has provided personnel and facilities to develop. deploy, and operate the network. Because the NRC funding was earmarked for the eastern United States, new USNSN station deployments are mostly east of 105 degree W longitude while the network in the western United States is mostly made up of cooperating stations (stations meeting USNSN design goals, but deployed and operated by other institutions which provide a logical extension to the USNSN)

37 CFR 1.413 - The United States International Searching Authority.

Science.gov (United States)

2010-07-01

... Processing Provisions General Information § 1.413 The United States International Searching Authority. (a... 37 Patents, Trademarks, and Copyrights 1 2010-07-01 2010-07-01 false The United States International Searching Authority. 1.413 Section 1.413 Patents, Trademarks, and Copyrights UNITED STATES PATENT...

United States Attorney Prosecutions

Science.gov (United States)

1993-10-01

property of CocaCola Bottling Company, Fayetteville, North Carolina, of a value in excess of $100.00, in violation of Title 18 United States Code, Section...another, to-wit: a Cocacola soft drink machine, the amount of damage to said personal property being more than $200.00, in violation of North Carolina

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

Directory of Open Access Journals (Sweden)

Isyana Mitrady

2015-12-01

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

77 FR 48542 - United States

Science.gov (United States)

2012-08-14

... litigation.'' United States v. Armour and Co., 402 U.S. 673, 681 (1971). Section 5 of the Clayton Act... relief in consent judgment that contained recitals in which defendants asserted their innocence); Armour...

United States Strategy for Mexico

National Research Council Canada - National Science Library

Centner, Robert C

2005-01-01

The security and stability of Mexico is of national interest to the United States, and a strong, effective alliance between the two countries is pivotal to our national defense strategy and economic prosperity...

Analysis of changing bank services in globalization process of financial business

Directory of Open Access Journals (Sweden)

A.Mumi

2017-12-01

Full Text Available The process of economic development of every country is closely connected with the functioning of effective infrastructure of financial market, in the carter of which is a bank system. The success of market relations, the provision of intensive economic growth, the increasing country’s competitiveness at the world market and the growth of population well-being are determined by the fact of how much effectively banks are able to act at different segments of bank services. The innovations in the bank field are closely connected with the innovations in the global and world financial sector. The issues about the influence of globalization on bank activities, the development of market of bank services, empirical researches are of great interest nowadays. Special attention is paid to the Ukrainian market of bank services. The analysis of the current state of the bank sector of the Ukrainian economy gives an opportunity to disclose some problems in the bank sphere as: political and financial instability in the country, the low quality of bank assets, the decrease of liquidity of bank assets, the low credit to the bank system among population, unstable legal framework in the state, the high level of vulnerability of the bank system to the country’s currency policy conducted by NBU.

DEVELOPMENT OF ISLAMIC BANKING IN TURKEY

Directory of Open Access Journals (Sweden)

ISTVÁN EGRESI

2015-12-01

Full Text Available While the financial world is still dominated by conventional banks, based on western economic principles, the number of Islamic banks is on the rise. Islamic banks have originated from colonial India as a response of the Muslims to the British who attempted to westernize their society. Other similar financial operations based on Islamic Law (Shari’a were established in Pakistan, Malaysia and Egypt to facilitate access of rural poor to interest-free loans. However, being unprofitable, these operations did not survive for very long. Islamic banks, unlike conventional banks, are not based on interest and conduct their business in accordance with a wide array of ethical and moral issues. The modern phase of Islamic banking started in the 1970s when the Islamic Development Bank was founded in Saudi Arabia. Soon after, a number of commercial banks were established in the neighboring countries. From this core, over the last four decades, Islamic finance and banking has spread across the entire Muslim world and beyond to become a global phenomenon. This study examines the development of Islamic banking in Turkey in the wider context of global expansion. Turkey is an interesting case study because, although its population is nearly 100% Muslim, it is a secular state built on the model of Western European countries. However, lately, the moderate Islamic party in power since 2002 has shown some signs of openness towards a parallel banking system based on Islamic principles.

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.

Basel III : how have banks adjusted to increase CET1 ratios?

OpenAIRE

Bjerketvedt, Oda; Arneberg-Bauer, Tonje

2013-01-01

In 2010 the Basel Committee finalised the global framework called Basel III, which will have a significant impact on the global banking sector. A large part of the framework focuses on capital adequacy, where the Common Equity Tier 1 (CET1) ratio is essential. Through an analysis of four banks from the United Kingdom – HSBC, Barclays, Lloyds Banking Group and Standard Chartered – this thesis aim to examine how these banks have adjusted to the new CET1 requirements. In the EU the Basel III ...

NCHS - Injury Mortality: United States

Data.gov (United States)

U.S. Department of Health & Human Services — This dataset describes injury mortality in the United States beginning in 1999. Two concepts are included in the circumstances of an injury death: intent of injury...

The Role of Islamic Rural Bank in Financing the SMEs: Customer Perspective Analysis (Case Study of Amanah Ummah Bank in Bogor City, Indonesia

Directory of Open Access Journals (Sweden)

Irfan Syauqi Beik

2014-03-01

Full Text Available One of the basic problems faced by small scale and medium enterprises (SMEs in Indonesia is the availability of financing access provided by financial institutions including banking institution. There are three types of Islamic bank operating in Indonesia presently: Islamic commercial bank, Islamic banking unit and Islamic rural bank. Providing the SMEs with sufficient financing source is highly required. This paper attempts to observe empirically the role that have been played by Islamic rural bank in financing the SMEs, by taking case study of Amanah Ummah Bank, the best Islamic rural bank in the country. Thirty small and medium entrepreneurs have been selected as the sample of the research, and have been deeply interviewed on September and October 2008. Descriptive statistics, IPA (Importance Performance Analysis and CSI (Customer Satisfaction Index methods have been used as analytical methods. The results show that the financing given by the bank does really help the SMEs. There are three factors, which are important, and which have satisfied the SMEs. These are easiness of bank’s requirements, the speed of financing approval, and bank’s services. In general, the respondents are of the view that the bank has shown a good performance.Keywords : SMEs, Islamic rural bank, customers’ perception

Both Europe's and the United States' electrification

International Nuclear Information System (INIS)

Matly, M.

2006-01-01

While the United States quickly had the largest electrical indus in the world, electrification in rural areas ended about thirty years after most European countries. Public intervention is a deciding factor in completing electrification, and the late involvement by the American authorities explains the gap. However it would be wrong to oppose in Europe and in the United States a motivated public sector and little involved private companies. In both continents indeed, major private and public urban distributors were almost not involved in rural electrification processes, where local players prevailed: local communities around Europe, small and medium size business in some European countries such as France, co-operative companies in the United States. Additionally, there is an essential difference between electrification in Europe and in the United States. The former does not provide much more than lighting and its success leaves few traces in popular memories; the latter includes many facilities and services, changes the lives of rural populations and is celebrated a such. Whereas the colonial venture keep European economies away from their domestic markets, while in the United States the urban market growth contents large companies, the American co-operative movement is right to believe in the existence of a large electrical equipment market among farmers then considered poor and behind. It even uses the market to complete a more profitable and less costly electrification. Electricity stories that offer food for the thoughts of Third World decision makers and power companies, when they entrust most rural electrification to their large urban companies and deny the existence of a real equipment market in their own rural world. (author)

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

Asian Immigration: The View from the United States.

Science.gov (United States)

Gardner, Robert W.

1992-01-01

Examines contemporary Asian immigration to the United States from a U.S. perspective. Analyzes immigration policies and data on recent immigration from Asia. Discusses impacts concerning the United States and the immigrants themselves and speculates on future immigration. The composition of Asian immigration might change, and the number might…

26 CFR 1.956-2 - Definition of United States property.

Science.gov (United States)

2010-04-01