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Sample records for victoria image credit

  1. Credit

    OpenAIRE

    Tichá, Irena

    2016-01-01

    Credit This diploma thesis deals with the provision of credit and credit agreement under Sections 2395 - 2400 of the Civil Code. The purpose of this thesis is to analyze legal regulation of credit agreement under Civil Code and also to describe selected issues of Consumer Credit regulated by Consumer Credit Act. The first chapter describes credit in general, defines credit agreement and sources of the law, by which credit agreement is governed, then I compare credit agreement and loan agreeme...

  2. Victoria Land, Ross Sea, and Ross Ice Shelf, Antarctica

    Science.gov (United States)

    2002-01-01

    On December 19, 2001, MODIS acquired data that produced this image of Antarctica's Victoria Land, Ross Ice Shelf, and the Ross Sea. The coastline that runs up and down along the left side of the image denotes where Victoria Land (left) meets the Ross Ice Shelf (right). The Ross Ice Shelf is the world's largest floating body of ice, approximately the same size as France. Credit: Jacques Descloitres, MODIS Land Rapid Response Team, NASA/GSFC

  3. Geologic map and structural analysis of the Victoria quadrangle (H2) of Mercury based on NASA MESSENGER images

    Science.gov (United States)

    Galluzzi, V.; Di Achille, G.; Ferranti, L.; Rothery, D. A.; Palumbo, P.

    The first stratigraphic and geologic study of Mercury was released by Trask & Guest (1975) followed by Spudis & Guest (1988, and references therein), whose work was based on the images taken by Mariner 10 covering 42% of the total surface of Mercury. The planet has been officially divided into fifteen quadrangles: 2 polar, 5 equatorial and 8 at midlatitudes. Quadrangle H2 (= Hermes sheet n.2), named ``Victoria'' (20oN - 65oN Lon.; 270oE - 0o Lat.), was partially mapped by McGill & King (1983), though a wide area (˜64%) remained unmapped due to the lack of imagery. Following the terrain units recognized and described by the above authors, we have produced a geologic map of the entire quadrangle using MESSENGER (MErcury Surface, Space ENvironment, GEochemistry and Ranging) images. The images taken by the Mercury Dual Imaging System (MDIS) Wide Angle Camera (WAC) and Narrow Angle Camera (NAC) allowed us to map geologic and tectonic features in much greater detail than the previously published map (mapping scale range between 1:300k and 1:600k). We classified craters larger than 20 km using three relative age classes, which are a simplification of the past five degradation classes defined by McCauley et al. (1981). Victoria quadrangle is characterized by a localized N-S thrust array constituted by Victoria Rupes, Endeavour Rupes and Antoniadi Dorsum to the East and by a more diffuse system of NE-SW oriented fault arrays to the West: the two systems seem to be separated by a tectonic bulge. The Victoria-Endeavour-Antoniadi system has been interpreted as a fold-and-thrust belt by Byrne et al. (2014) and a previous study made on craters cross-cut by its thrusts reveals fault dips of 15-20o and a near dip slip motion (Galluzzi et al., 2015). This geologic map has the aim to build a regional model of its structural framework. Deciphering the geological setting of this quadrangle will bring important insights for understanding the tectonic evolution of the whole planet

  4. victoria cross awards warrants concerning the victoria cross (1920)

    African Journals Online (AJOL)

    INTRODUCTION. In the military history of both the British Empire and of the Western World, the highest British military decoration, namely the Victoria Cross, has attained con- siderable renown. The Victoria Cross was introduced in terms of the Royal Warrant of 29 January,. 1856 and by 1957 a total of 1346 had been ...

  5. Credit Lines and Credit Utilization

    OpenAIRE

    Agarwal, Sumit; Ambrose, Brent W.; Liu, Chunlin

    2006-01-01

    While much is known about the characteristics of consumers or businesses that obtain credit lines, relatively little is known empirically about credit line utilization after origination. This study fills that gap by testing two interrelated hypotheses concerning borrower credit quality and credit line utilization. The empirical analysis confirms that borrowers with higher expectations of future credit quality deterioration originate credit lines to preserve financial flexibility. Furthermore,...

  6. [The epilepsy of Guadalupe Victoria].

    Science.gov (United States)

    Soto-Pérez-de-Celis, Enrique

    2008-01-01

    Guadalupe Victoria, the first President of Mexico, passed away in 1843 uictim of an ailment that, at the time, was diagnosed as epilepsy. The clinical data and the pathologic findings, however, suggest the possibility that Victoria had an underlying disease that was responsible for the seizures that affected him. In this article I propose that Guadalupe Victoria had in fact Chagas Disease, and that he was infected with this parasitic malady while he lived in the tropical jungles of Veracruz, in eastern Mexico. Even though there aren't many published works regarding seizures secondary to chronic Chagas Disease, there are good descriptions of epileptic syndromes in patients with this infection. At the same time, the cardiac findings in Victoria's autopsy support the idea that he had some kind of cardiac pathology; in this case Chagasic dilated cardiomyopathy, which ultimately led to his death.

  7. VICTORIA'S SECRET Prepares for Growth

    National Research Council Canada - National Science Library

    Jordan K Speer

    2007-01-01

      After the upcoming holiday season, Victoria's Secret will take the first steps toward launching its e-commerce business on a cross-channel on-demand platform from partner n2N Commerce, a company...

  8. Special Issue on Lake Victoria

    African Journals Online (AJOL)

    The diversity of benthic mollusks of Lake Victoria and Lake Burigi · EMAIL FREE FULL TEXT EMAIL FREE FULL TEXT · DOWNLOAD FULL TEXT DOWNLOAD FULL TEXT. JA Mwambungu, 21-32. http://dx.doi.org/10.4314/tjs.v30i1.18384 ...

  9. Degradation of Victoria Crater, Meridiani Planum, Mars

    Science.gov (United States)

    Grant, J. A.; Wilson, S. A.; Cohen, B. A.; Golombek, M. P.; Geissler, P. E.; Sullivan, R. J.

    2007-12-01

    Victoria crater (2.05N, 354.51E) is ~750 m in diameter and the largest crater on Mars observed in situ. The Mars Exploration Rover Opportunity traversed NW to SE across a broad annulus dominated by dark sand that at least partially surrounds the crater before navigating the northern crater rim. Rover observations of the crater and ejecta deposits are complemented by images with 26-52 cm/pixel scales from the High Resolution Imaging Science Experiment (HiRISE) on Mars Reconnaissance Orbiter and enable assessment of degradation state. The present depth/diameter ratio for Victoria is 0.1, less than the 0.2 expected for a pristine primary impact structure. Together with the eroded, serrated rim, this implies an originally smaller crater diameter and/or considerable infilling consistent with occurrence of a large dune field and few exposed rocks on the crater floor. The height and width of the raised rim is generally 4-5 m and 150-225 m, respectively, less than the 30 m and 500-600 m, respectively, expected for a pristine 750 m diameter crater. Ejecta thicknesses around the rim were derived using rover-based and HiRISE images and yield consistent estimates averaging ~3 m. The serrated rim plan creates a series of promontories extending up to 50 m into the crater and generally fronted by 30-60 degree slopes that are locally vertical and are separated by bays whose floors typically slope 15-25 degrees. A crater originally on order of 600-650 m in diameter and subsequently enlarged by mass wasting and aeolian erosion may yield a structure resembling Victoria today. The steep expression of the promontories and local outcroppings of rocks in the ejecta blanket points to some ongoing mass wasting, but the relative paucity of associated flanking talus indicates derived blocks of sulfate sandstone are not resistant to saltating sand and are rapidly broken down by the wind or are completely covered/filled in by aeolian drift. At Cape St. Vincent, the promontory appears undercut

  10. The Victoria Project, Sri Lanka. Hydrological analysis for Victoria Dam

    Energy Technology Data Exchange (ETDEWEB)

    Piper, B.S. [GU Projects (United Kingdom); Sutcliffe, J.V. [Gibb (Sir Alexander) and Partners (United Kingdom); Parks, Y.P. [Institute of Hydrology (United Kingdom)

    1994-03-01

    The hydrological analyses described in this paper formed an important part of the studies for the Victoria Project of which the Victoria Dam is the major component. The purpose of the hydrological studies was to provide consistent sets of river flow and climate data at the sites of the major components of the project, and to provide flood estimates for sizing the spillway and river diversion works. This paper outlines the approach used in the overall study, and then concentrates on aspects of specific relevance to the Victoria Dam. The main hydrological characteristics of the upper Mahaweli basin are presented as an introduction to the overall water balance; the humid climate made the appraisal of flow records relatively simple. Time series modelling was used to fill gaps in the observed flow records used for reservoir operation studies. The spillway design flood was based on the probable maximum precipitation (PMP) derived by maximizing a historic storm in which rainfall approaching the PMP covered most of the basin. Construction floods of moderate return period were estimated from a dimensionless analysis of regional flood records. The main lessons to be drawn are that water balance methods are of particular value in these humid monsoon conditions, while the ratio of the PMP to the maximum recorded storm is lower than would be the case in more arid regions. (author)

  11. THE INFLUENCE OF PRODUCT AND COMPANY IMAGE ON SAVING DECISION THROUGH TRUST VARIABLE AT THE PEOPLE'S CREDIT BANK EKA BUMI ARTHA IN METRO CITY

    Directory of Open Access Journals (Sweden)

    Suharto

    2017-08-01

    Full Text Available This research uses product image, company image, trust, and saving decision variables. Data used in this research is primary data collected using explanatory survey method with the total population of 14,175 customers. The sample is 150 customer respondents. The instrument used in this research is a Likert scale at the Office of People's Credit Bank Eka Bumi Artha Metro. Testing of requirements instrument includes validity and reliability testing. Meanwhile, normality, homogeneity, linearity, and significance of regression testing are used in order to test the requirements analysis. Data analysis uses Structural Equation Modeling (SEM. The research result found that the product image has a positive effect on trust, the company image does not have direct postifive effect on the trust, product image has direct postifive effect on saving decision, the company image does not have direct postifive effect on the saving decision and the trust has direct postifive effect on the saving decision.

  12. Projecting the future levels of Lake Victoria

    Science.gov (United States)

    Vanderkelen, Inne; van Lipzig, Nicole; Thiery, Wim

    2017-04-01

    Lake Victoria directly sustains 30 million people living in its basin and 200 000 fishermen operating from its shores. As the one of the two sources of the Nile River, it also supports natural resources that impact the livelihood of over 300 million people living in the Nile basin. The outlet to the Nile is controlled by two hydropower dams. The water balance of Lake Victoria is controlled both by climatic conditions (precipitation and evaporation) and human management (dam outflow). Future climate simulations with a high resolution coupled lake-land-atmosphere model project decreasing mean precipitation and increasing evaporation over Lake Victoria. As these two are important factors in the water balance of Lake Victoria, these projected changes may induce a drop in future levels of Lake Victoria. Moreover, as Lake Victoria is also a relatively shallow lake, lake surface area may decrease as well. Here we present a water balance model for Lake Victoria that provides lake level and extent as output. We first force our model with observational input (new satellite products providing high quality precipitation and evaporation data) and evaluate it using measured lake levels. The skill of the model is subsequently assessed by forcing it with present-day regional climate simulations (CORDEX evaluation simulations). In a third step the future lake levels and surface area changes of Lake Victoria are simulated by forcing the model with CORDEX projections under RCP4.5 and 8.5. Finally, the role of human decisions regarding future dam outflow are investigated.

  13. Spiraal : uus Victoria & Alberti muuseum Londonis

    Index Scriptorium Estoniae

    1998-01-01

    Daniel Libeskindi projekt Victoria & Alberti Muuseumi laiendamiseks on põhjustanud konservatiivsete londonlaste pahameele, kuid kutsunud esile ka hulgaliselt toetusavaldusi. Muuseumi uus osa (kokkuvarisemise piiril näiva ehitisena) peaks külastajaile avatama 2004. a.

  14. The Victoria Project, Sri Lanka: Victoria Power-Station. [Hydroelectric power

    Energy Technology Data Exchange (ETDEWEB)

    Creber, B. (Sir Alexander Gibb and Partners (GB))

    1991-04-01

    The Victoria Hydroelectric Power-Station forms part of the Victoria Project on the Mahaweli Ganga in Sri Lanka and it provides the country's largest single power source. The Paper describes the planning, design and construction of the civil engineering works, including problems encountered, and also describes, in outline, the electrical and mechanical works. (Author).

  15. Small business credit scoring and credit availability

    OpenAIRE

    Berger, Allen N.; Frame, W. Scott; Berger, Allen N.; Frame, W. Scott

    2005-01-01

    U.S. commercial banks are increasingly using credit scoring models to underwrite small business credits. This paper discusses this technology, evaluates the research findings on the effects of this technology on small business credit availability, and links these findings to a number of research and public policy issues.

  16. total mercury concentration in common fish species of lake victoria ...

    African Journals Online (AJOL)

    Total mercury (THg) concentration was analysed in muscles of common fish species of Lake. Victoria in the eastern and southern parts of the lake using cold vapour Atomic Absorption. Spectrophotometric ... INTRODUCTION. The Lake Victoria ...

  17. Credit Management System

    Data.gov (United States)

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

  18. Seabed surveys of Victoria harbour, Mahe, Seychelles

    Digital Repository Service at National Institute of Oceanography (India)

    Hashimi, N.H.; Wagle, B.G.

    The seabed surveys in the Victoria Harbour, Mahe, Seychelles shows that the prominent feature is the navigational channel aligned in the northeast-southwest direction with a width varying from 300 to 450m. The depth in the channel ranges from 14...

  19. Geography and Geographical Education in Victoria

    Science.gov (United States)

    Kriewaldt, Jeana

    2006-01-01

    Victoria has just emerged from 10 years where Geography has been one of three strands in the key learning area of Studies of Society and Environment (SOSE). The overarching framework emerged from an attempt to develop a national curriculum. Whilst the national curriculum was rejected by Australian state and territories who each hold legislative…

  20. within the lake victoria basin, tanzania

    African Journals Online (AJOL)

    ABSTRACT. Levels of nitrates (NOg-N) and phosphates (PO4~P) in some satellite lakes within the Lake. Victoria basin were determined in Kagera (Lake Burigt), in Mara (River Mara) and in Mwanza region (Lake Malimbe) during August/September 2002 (dry season) and January/February 2003. (wet season).

  1. D Digital Cadastre Journey in Victoria, Australia

    Science.gov (United States)

    Shojaei, D.; Olfat, H.; Briffa, M.; Rajabifard, A.

    2017-10-01

    Land development processes today have an increasing demand to access three-dimensional (3D) spatial information. Complex land development may need to have a 3D model and require some functions which are only possible using 3D data. Accordingly, the Intergovernmental Committee on Surveying and Mapping (ICSM), as a national body in Australia provides leadership, coordination and standards for surveying, mapping and national datasets has developed the Cadastre 2034 strategy in 2014. This strategy has a vision to develop a cadastral system that enables people to readily and confidently identify the location and extent of all rights, restrictions and responsibilities related to land and real property. In 2014, the land authority in the state of Victoria, Australia, namely Land Use Victoria (LUV), has entered the challenging area of designing and implementing a 3D digital cadastre focused on providing more efficient and effective services to the land and property industry. LUV has been following the ICSM 2034 strategy which requires developing various policies, standards, infrastructures, and tools. Over the past three years, LUV has mainly focused on investigating the technical aspect of a 3D digital cadastre. This paper provides an overview of the 3D digital cadastre investigation progress in Victoria and discusses the challenges that the team faced during this journey. It also addresses the future path to develop an integrated 3D digital cadastre in Victoria.

  2. CLARIIDAE) FROM THE MWANZA GULF, LAKE VICTORIA

    African Journals Online (AJOL)

    ABSTRACT. Seventeen species of parasites were recovered from 107 I Clarias gariepinus examined flom the. Mwanza Gulf of Lake Victoria. The parasite fauna comprised of four ectoparasites, a. Monogenea, Hirudinea, crustacean and a Digenea,' and fourteen endoparasites, five nematodes,. five trematodes and three ...

  3. Refundable Tax Credits

    OpenAIRE

    Congressional Budget Office

    2013-01-01

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

  4. NCA & Credit Guarantees

    African Journals Online (AJOL)

    stooppn

    with the aim of resolving the problem of over-indebtedness and preventing reckless credit lending. In terms of section 81(2) of the National Credit Act a credit provider may not enter into a credit agreement with a consumer without first taking reasonable steps to assess the consumer's debt re- payment history, existing ...

  5. Money and Costly Credit

    OpenAIRE

    Dong, Mei

    2009-01-01

    I study an economy in which money and credit coexist as means of payment and the settlement of credit requires money. The model extends recent developments in microfounded monetary theory to address the choice of payment methods and the effects of inflation. Whether a buyer uses money or credit depends on the fixed cost of credit and the inflation rate. In particular, inflation not only makes money less valuable, but also makes credit more expensive because of delayed settlement. Based on qua...

  6. Consumer credit counseling: credit card issuers' perspectives

    OpenAIRE

    Mark Furletti

    2003-01-01

    On Friday, May 23, 2003, the Payment Cards Center hosted a workshop led by collections managers from J.P. Morgan Chase and Juniper Bank. The managers provided the credit card issuers' perspective on the consumer credit counseling industry. The day's discussion complemented an earlier workshop at which representatives from local consumer credit counseling services (CCCS) discussed their business model. After describing the ways in which new market entrants have affected the counseling industry...

  7. Stratigraphic architecture of bedrock reference section, Victoria Crater, Meridiani Planum, Mars

    Science.gov (United States)

    Edgar, Lauren A.; Grotzinger, John P.; Hayes, Alex G.; Rubin, David M.; Squyres, Steve W.; Bell, James F.; Herkenhoff, Ken E.

    2012-01-01

    The Mars Exploration Rover Opportunity has investigated bedrock outcrops exposed in several craters at Meridiani Planum, Mars, in an effort to better understand the role of surface processes in its geologic history. Opportunity has recently completed its observations of Victoria crater, which is 750 m in diameter and exposes cliffs up to ~15 m high. The plains surrounding Victoria crater are ~10 m higher in elevation than those surrounding the previously explored Endurance crater, indicating that the Victoria crater exposes a stratigraphically higher section than does the Endurance crater; however, Victoria strata overlap in elevation with the rocks exposed at the Erebus crater. Victoria crater has a well-developed geomorphic pattern of promontories and embayments that define the crater wall and that reveal thick bedsets (3–7m) of large-scale cross-bedding, interpreted as fossil eolian dunes. Opportunity was able to drive into the crater at Duck Bay, located on the western margin of Victoria crater. Data from the Microscopic Imager and Panoramic Camera reveal details about the structures, textures, and depositional and diagenetic events that influenced the Victoria bedrock. A lithostratigraphic subdivision of bedrock units was enabled by the presence of a light-toned band that lines much of the upper rim of the crater. In ascending order, three stratigraphic units are named Lyell, Smith, and Steno; Smith is the light-toned band. In the Reference Section exposed along the ingress path at Duck Bay, Smith is interpreted to represent a zone of diagenetic recrystallization; however, its upper contact also coincides with a primary erosional surface. Elsewhere in the crater the diagenetic band crosscuts the physical stratigraphy. Correlation with strata present at nearby promontory Cape Verde indicates that there is an erosional surface at the base of the cliff face that corresponds to the erosional contact below Steno. The erosional contact at the base of Cape Verde

  8. Mathematical Problems in Biology : Victoria Conference

    CERN Document Server

    1974-01-01

    A conference on "Some Mathematical Problems in Biology" was held at the University of Victoria, Victoria, B. C. , Canada, from May 7 - 10, 1973. The participants and invited speakers were mathematicians interested in problems of a biological nature, and scientists actively engaged in developing mathematical models in biological fields. One aim of the conference was to attempt to assess what the recent rapid growth of mathematical interaction with the biosciences has accomplished and may accomplish in the near future. The conference also aimed to expose the problems of communication bet~",een mathematicians and biological scientists, and in doing so to stimulate the interchange of ideas. It was recognised that the topic spans an enormous breadth, and little attempt was made to balance the very diverse areas. Widespread active interest was shown in the conference, and just over one hundred people registered. The varied departments and institutions across North America from which the participants came made it bo...

  9. Pancam Peek into 'Victoria Crater' (Stereo)

    Science.gov (United States)

    2006-01-01

    [figure removed for brevity, see original site] Left-eye view of a stereo pair for PIA08776 [figure removed for brevity, see original site] Right-eye view of a stereo pair for PIA08776 A drive of about 60 meters (about 200 feet) on the 943rd Martian day, or sol, of Opportunity's exploration of Mars' Meridiani Planum region (Sept. 18, 2006) brought the NASA rover to within about 50 meters (about 160 feet) of the rim of 'Victoria Crater.' This crater has been the mission's long-term destination for the past 21 Earth months. Opportunity reached a location from which the cameras on top of the rover's mast could begin to see into the interior of Victoria. This stereo anaglyph was made from frames taken on sol 943 by the panoramic camera (Pancam) to offer a three-dimensional view when seen through red-blue glasses. It shows the upper portion of interior crater walls facing toward Opportunity from up to about 850 meters (half a mile) away. The amount of vertical relief visible at the top of the interior walls from this angle is about 15 meters (about 50 feet). The exposures were taken through a Pancam filter selecting wavelengths centered on 750 nanometers. Victoria Crater is about five times wider than 'Endurance Crater,' which Opportunity spent six months examining in 2004, and about 40 times wider than 'Eagle Crater,' where Opportunity first landed. The great lure of Victoria is the expectation that a thick stack of geological layers will be exposed in the crater walls, potentially several times the thickness that was previously studied at Endurance and therefore, potentially preserving several times the historical record.

  10. Implementation of the victoria bowel performance scale.

    Science.gov (United States)

    Hawley, Philippa; Barwich, Doris; Kirk, Lisa

    2011-12-01

    There is a lack of evidence to guide constipation management in patients receiving palliative care. Data collection requires the systematic use of validated assessment tools. The objective of this study was to assess the usefulness of the Victoria Bowel Performance Scale (BPS) as an audit tool. Charts were reviewed before and after the implementation of a program to monitor constipation through repeated use of the Victoria Bowel Scale. The program was initiated at three oncology pain and symptom management clinics, four palliative care units, and four residential hospices. An additional "control" palliative care unit introduced new nursing assessment tools without the new scale. The Victoria BPS was recorded at 86% of 192 postimplementation outpatient clinic visits and was easy to use in this setting. Documentation of bowel performance at comparable visits improved from 44% to 66% (Passessment tool, uniquely incorporating the patient's usual bowel function. Modifications to the scale have been made to improve clarity and allow for the expected drop in bowel activity seen in end-of-life care. Considerable educational effort and appropriate organization of the charts are required for optimal implementation. The proportion of revised BPS scores ranging from -1 to +1 is proposed as an indicator of satisfactory bowel management for clinical, audit, and research purposes. Copyright © 2011 U.S. Cancer Pain Relief Committee. Published by Elsevier Inc. All rights reserved.

  11. Credit Card Quiz.

    Science.gov (United States)

    Marks, Jeff

    2000-01-01

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

  12. Credit Union Headquarters

    Data.gov (United States)

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

  13. Managing consumer credit risk

    OpenAIRE

    Peter Burns; Anne Stanley

    2001-01-01

    On July 31, 2001, the Payment Cards Center of the Federal Reserve Bank of Philadelphia hosted a workshop that examined current credit risk management practices in the consumer credit industry. The session was led by Jeffrey Bower, senior manager in KPMG Consulting’s financial services practice. Bower discussed "best practices" in the credit risk management field, including credit scoring, loss forecasting, and portfolio management. ; In addition, he provided an overview of developing new meth...

  14. Trust and Credit

    DEFF Research Database (Denmark)

    Harste, Gorm

    The present paper is an answer to the question, how did trust and credit emerge. The systems of trust and credit reduce the environmental and contextual complexities in which trust and credit are embedded. The paper analyses the forms of this reduction in a number of stages in the evolution...

  15. Consumer credit contracts

    Directory of Open Access Journals (Sweden)

    Gheorghe, C. A.

    2012-01-01

    Full Text Available In compliance with European Directives, Romanian authorities have established some principles for consumer credit, minimum standards for authorizing, regulating and monitoring credit institutions. These measures were required by the increase in imports due to consumer credit, while the national bank tempered this increase. Therefore, banks, together with the big shops, perfect their techniques to attract customers.

  16. Modernization of credit relations

    Directory of Open Access Journals (Sweden)

    S.V. Volosovich

    2015-03-01

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

  17. Color variations on Victoria quadrangle: support for the geological mapping

    Science.gov (United States)

    Zambon, F.; Galluzzi, V.; Carli, C.; Giacomini, L.; Massironi, M.; Palumbo, P.; Guzzetta, L.; Mancinelli, P.; Vivaldi, V.; Ferranti, L.; Pauselli, C.; Frigeri, A.; Zusi, M.; Pozzobon, R.; Cremonese, G.; Ferrari, S.; Capaccioni, F.

    2015-10-01

    Mercury is the closest planet to the Sun. Its extreme thermal environment makes it difficult to explore onsite. In 1974, Mariner 10, the first mission dedicated to Mercury, covered 45% of the surface during of the three Hermean flybys [1]. For about 30 years after Mariner 10, no other mission has flownto Mercury. Many unresolved issues need an answer, and in recent years the interest about Mercury has increased. MESSENGER mission contributed to understand Mercury's origin, its surface structure, and the nature of its magnetic field, exosphere, and magnetosphere [1]. The Mercury Dual Imaging System (MDIS) provided a global coverage of Mercury surface with variable spatial resolution. MDIS is equipped with a narrow angle camera (NAC), dedicated to the study of the geology and a wide angle camera (WAC) with 12 filters useful to investigate the surface composition[2]. Mercury has been divided into 15 quadrangles for mapping purposes [3]. The mapping process permits integration of different geological surface information to better understand the planet crust formation and evolution. Merging spectroscopically data is a poorly followed approach in planetary mapping, but it gives additional information about lithological composition, contributing to the construction of a more complete geological map [e.g. 4]. Recently, [5] proposed a first detailed map of all the Victoria quadrangle (H2). Victoria quadrangle is located in a longitude range between 270°E and 360°E and a latitude range of 22.5°N and 65°N,and itwas only partially mapped by Mariner 10 data[3]. Here we investigate the lithological variation by using the MDIS-WAC data to produce a set of color map products which could be asupport to the geological mapping [5]. The future ESA-JAXA mission to Mercury, BepiColombo, will soon contribute to improve the knowledge of Mercury surface composition and geology thanks to the Spectrometer and Imagers for MPO BepiColombo-Integrated Observatory SYStem (SIMBIO-SYS)[6].

  18. Testing the Marine Hypothesis for The Opportunity Landing Site at Victoria Crater

    Science.gov (United States)

    Parker, T. J.

    2006-12-01

    -like ejecta blanket at Victoria crater, and the rim is at most a few meters elevated in relation to the surrounding plains. 2. The annulus or sand sheet surrounding Victoria crater is similar to the plains surface between Eagle and Endurance craters, and was likely comminuted from Victoria's rim and ejecta, rather than overlying it. 3. Is the banding that is visible in MOC images indicative of layers exposed within Victoria? If there was standing water within the crater at the end of a marine setting in the region, they might not be layers at all, but strandlines. If so, they should exhibit overhangs, particularly at the promontories along the crater rim. They should maintain horizontality, even when cutting across dipping strata or bedform laminations.

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

    Science.gov (United States)

    McCall, Michael; Trombetta, Jessica; Gipe, Aimee

    2004-08-01

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

  20. DISTRIBUTION IN NON-TRAWLABLE AREAS OF LAKE VICTORIA ...

    African Journals Online (AJOL)

    Victoria. Netherlands Journal of. Zoology 42'. 214 -232. Witte F, Goldschmidt PC and Wanink JH. 1995. Dynamics of the haplochromine cichlid fauna and other ecological changes in the. Mwanza gmlf of Lake Victoria. In: Pitcher TH and Hart PJB (eds):. Impact of species change in fiican lakes. Chapman & Hall, London, pp.

  1. Adaptive responses to environmental changes in Lake Victoria cichlids

    NARCIS (Netherlands)

    Rijssel, Jacobus Cornelis van (Jacco)

    2014-01-01

    Lake Victoria cichlids show the fastest vertebrate adaptive radiation known which is why they function as a model organism to study evolution. In the past 40 years, Lake Victoria experienced severe environmental changes including the boom of the introduced, predatory Nile perch and eutrophication.

  2. Gender Integration in the Management of the Lake Victoria Fisheries ...

    African Journals Online (AJOL)

    The riparian governments of Lake Victoria have adopted co-management approach in fisheries management. This paper discusses gender mainstreaming in fisheries management of Lake Victoria, user rights, successes and challenges of the process. This paper has used gender-disaggregated data from several studies ...

  3. Credit Enhancement Overview Guide

    Energy Technology Data Exchange (ETDEWEB)

    Financing Solutions Working Group

    2014-01-01

    Provides considerations for state and local policymakers and energy efficiency program administrators designing and implementing successful credit enhancement strategies for residential and commercial buildings.

  4. Compositional variations on Mercury: Results from the Victoria quadrangle

    Science.gov (United States)

    Zambon, Francesca; Carli, Cristian; Galluzzi, Valentina; Capaccioni, Fabrizio; Giacomini, Lorenza; Massironi, Matteo; Palumbo, Pasquale; Cremonese, Gabriele

    2017-04-01

    Mercury was recently explored by the MESSENGER mission that orbited around the planet from March 2011 until April 2015 allowing a complete coverage of its surface. The Mercury Dual Imaging System (MDIS), mapped the Hermean surface at different spatial resolutions, due to variable altitude of the spacecraft from the surface. MDIS consists of two instruments: a Narrow Angle Camera (NAC) centered at 747nm, which acquired high-resolution images for the geological analysis, and the Wide Angle Camera (WAC), provided with 11 filters dedicated to the compositional analysis, operating in a range of wavelengths between 395 and 1040 nm. Mercury's surface has been divided into 15 quadrangles for mapping purposes. Here, we analyze the results obtained by the color composite mosaic of the quadrangle Victoria (H02) located at longitudes 270 ° - 360 ° E, and latitudes 22.5 ° N - 65 ° N. We produced a color mosaic, by using the images relative to the filters with the best spatial coverage. To obtain the 8-color mosaic of the Victoria quadrangle, we calibrated and georefenced the WAC raw images. Afterwards, we applied the Hapke photometric correction by using the parameters derived by Domingue et al. (2015). We projected and coregistered the data, and finally, we produced the mosaic. To analyze the compositional variations of the Victoria quadrangle, we consider different techniques of analysis, such as specific RGB color combinations and band ratios, which emphasize the different compositional characteristics of the surface. Furthermore, the use of clustering and classification methods allows for recognizing various terrain units, in terms of reflectance and spectral characteristics. In the H02 quadrangle, we observed a dichotomy in the RGB mosaic (R: second principal component (PC2), G: first principal component (PC1), B: 430/1000 nm; see Denevi et al. 2009) between the northern region of the quadrangle, dominated by smooth plains, and the southern part, characterized by

  5. Credit Constraints in Education

    Science.gov (United States)

    Lochner, Lance; Monge-Naranjo, Alexander

    2012-01-01

    We review studies of the impact of credit constraints on the accumulation of human capital. Evidence suggests that credit constraints have recently become important for schooling and other aspects of households' behavior. We highlight the importance of early childhood investments, as their response largely determines the impact of credit…

  6. Dual Credit Report

    Science.gov (United States)

    Light, Noreen

    2016-01-01

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

  7. Cracking the Credit Hour

    Science.gov (United States)

    Laitinen, Amy

    2012-01-01

    The basic currency of higher education--the credit hour--represents the root of many problems plaguing America's higher education system: the practice of measuring time rather than learning. "Cracking the Credit Hour" traces the history of this time-based unit, from the days of Andrew Carnegie to recent federal efforts to define a credit…

  8. Rural Credit in Vietnam

    DEFF Research Database (Denmark)

    Barslund, Mikkel Christoffer; Tarp, Finn

    This paper uses a survey of 932 rural households to uncover how the rural credit market operates in four provinces of Vietnam. Households obtain credit through formal and informal lenders, but formal loans are almost entirely for production and asset accumulation. Interest rates fell from 1997...

  9. The Bands Culture in Victoria, Australia: Live Music Benefits Career Paths, Employment and Community

    Science.gov (United States)

    Watson, Amanda; Forrest, David

    2012-01-01

    This study explores the career paths, employment, business opportunities and community contributions made available through the provision and development of the contemporary performance bands' culture in the State of Victoria. It is framed with the support given to live music performers by Arts Victoria, Small Business Victoria and Music Victoria.…

  10. CREDIT Performance Indicator Framework

    DEFF Research Database (Denmark)

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

    2010-01-01

    During the past two years the Nordic Baltic research project CREDIT (Construction and Real Estate – Developing Indicators for Transparency) has worked with the aim to improve transparency of value creation in building and real estate. One of the central deliverables of the CREDIT project was a fr......During the past two years the Nordic Baltic research project CREDIT (Construction and Real Estate – Developing Indicators for Transparency) has worked with the aim to improve transparency of value creation in building and real estate. One of the central deliverables of the CREDIT project...... was a framework of indicators relevant in building and real estate and applicable in the Nordic and Baltic countries as well as a proposal for a set of key indicators. The study resulting in CREDIT Performance Indicator Framework has been based on 28 case studies of evaluation practises in the building and real...... regulations in the countries participating in CREDIT. The Performance Indicator Framework encompassed 187 indicators grouped in 7 main groups of indicators and 42 sub-groups. Based on the CREDIT case studies it was concluded that there neither is link between certain indicators and specific building types...

  11. Credit Risk Modeling

    DEFF Research Database (Denmark)

    Lando, David

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

  12. Credit and Oil Consumption

    OpenAIRE

    Arora, Vipin

    2016-01-01

    Credit greases the wheels of oil consumption—it is prevalent in purchases of cars, trucks, and even the construction of factories. But the traditional view is that it affects oil consumption only through economic activity and the price of oil. I argue that credit is important in its own right. To make my case, I first show that an association between credit and oil consumption growth exists across countries and time. I then give a nod to the traditional view, and conclude by showing that ...

  13. Recent reduction in the water level of Lake Victoria has created more habitats for Anopheles funestus

    Directory of Open Access Journals (Sweden)

    Futami Kyoko

    2008-07-01

    Full Text Available Abstract Background The water level of Lake Victoria has fallen more than 1.5 m since 1998, revealing a narrow strip of land along the shore. This study determined whether the recent drop in the water level has created additional breeding grounds for malaria vectors. Methods The recent and past shorelines were estimated using landmarks and a satellite image. The locations of breeding habitats were recorded using a GPS unit during the high and low lake water periods. GIS was used to determine whether the breeding habitats were located on newly emerged land between the new and old shorelines. Results Over half of the breeding habitats existed on newly emerged land. Fewer habitats for the Anopheles gambiae complex were found during the low water level period compared to the high water period. However, more habitats for Anopheles funestus were found during the high water level period, and they were all located on the newly emerged land. Conclusion The recent reduction in water level of Lake Victoria has increased the amount of available habitat for A. funestus. The results suggest that the water drop has substantially affected the population of this malaria vector in the Lake Victoria basin, particularly because the lake has a long shoreline that may harbour many new breeding habitats.

  14. A Bottom-Up Understanding of Illegal, Unreported, and Unregulated Fishing in Lake Victoria

    Directory of Open Access Journals (Sweden)

    Joseph Luomba

    2016-10-01

    Full Text Available Illegal, unreported, and unregulated (IUU fishing is a major concern in fisheries management around the world. Several measures have been taken to address the problem. In Lake Victoria, the alleviation of IUU fishing is implemented through the Regional Plan of Action (RPOA-IUU, which restricts use of certain fishing gear, as well as prohibits fishing in closed areas and during closed seasons. Despite the long-term efforts to monitor and control what goes on in the fisheries, IUU fishing has persisted in Lake Victoria. Inspired by interactive governance theory, this paper argues that the persistence of IUU fishing could be due to different images that stakeholders have about the situation, rather than the lack of management competency. Through structured interviews with 150 fisheries stakeholders on Ijinga Island in the southeastern part of Lake Victoria, Tanzania, using paired comparison questionnaires, the study elicits stakeholders’ perspective about the severity of different locally-pertinent fishing-related activities. The results show that while fisheries stakeholder groups agree on their judgments about certain fishing gears, some differences are also apparent. For instance, fisheries managers and scientists do not always agree with fishing people about what activities cause the most damage to fisheries resources and ecosystem. Further, they tend to consider some IUU fishing-related activities less damaging than some non-IUU fishing. Such disparity creates governability challenges, pointing to the need to revisit relevant regulatory measures and to make them consistent with the knowledge and judgments of all stakeholders. Based on these findings, we discuss governing interventions that may contribute to addressing IUU fishing in Lake Victoria and elsewhere.

  15. Accounting for Violence at the Victoria Industrial School

    National Research Council Canada - National Science Library

    Bryan Hogeveen

    2009-01-01

    Boys who were inmates at the Victoria Industrial School (VIS) from its opening in 1887 to its closure in 1934 often suffered extreme, violent, and capricious penalties and encountered calculated psychological manipulation...

  16. Ecological Biogeography of the Terrestrial Nematodes of Victoria Land, Antarctica

    Science.gov (United States)

    Adams, Byron J.; Wall, Diana H.; Virginia, Ross A.; Broos, Emma; Knox, Matthew A.

    2014-01-01

    Abstract The terrestrial ecosystems of Victoria Land, Antarctica are characteristically simple in terms of biological diversity and ecological functioning. Nematodes are the most commonly encountered and abundant metazoans of Victoria Land soils, yet little is known of their diversity and distribution. Herein we present a summary of the geographic distribution, habitats and ecology of the terrestrial nematodes of Victoria Land from published and unpublished sources. All Victoria Land nematodes are endemic to Antarctica, and many are common and widely distributed at landscape scales. However, at smaller spatial scales, populations can have patchy distributions, with the presence or absence of each species strongly influenced by specific habitat requirements. As the frequency of nematode introductions to Antarctica increases, and soil habitats are altered in response to climate change, our current understanding of the environmental parameters associated with the biogeography of Antarctic nematofauna will be crucial to monitoring and possibly mitigating changes to these unique soil ecosystems. PMID:25061360

  17. The Early (Feminist Essays of Victoria Ocampo

    Directory of Open Access Journals (Sweden)

    Doris Meyer

    1996-01-01

    Full Text Available This study examines the essays written by Ocampo between 1920 and 1934, prior to the time when she publicly voiced her adhesion to feminism and the rights of women in Argentine society. In these works from her Testimonios in which Ocampo struggles to find her voice as a female writer, the maleable essay serves her need to engage in discursive dialogues from the margins of the literary culture of her time. Both as a woman and a member of the oligarchy, she questions cultural assumptions and gender-based binary structures common among the male writers of her time, many of whom she knew personally. Using rhetorical strategies that show the self-reflexive and subversive nature of her writing, Ocampo reads and reinterprets these works from a parenthetical feminist perspective, contesting their intellectual and aesthetic biases. The active agency of the reader as writer in these early essays shows Ocampo's awareness of her own unorthodox subject position—alienated from the conventions of her class, her gender, her national culture and language. Her autobiographical musings and her engagement with literary modernity in the 1920s and 1930s reveal a woman who accepted the liabilities of articulating an autonomous self, both in a European and a Latin American context. The influence of family bonds and patriarchal morality decisively shaped, but did not ultimately control, the way Victoria Ocampo eventually defined herself as a feminist author.

  18. Dual-Credit in Kentucky

    Science.gov (United States)

    Stephenson, Lisa G.

    2013-01-01

    Credit-based transition programs provide high school students with opportunities to jump start their college education. The Kentucky Community and Technical College System (KCTCS) offers college credit through dual-credit programs. While KCTCS dual-credit offerings have been successful in helping high school students start their college education…

  19. Credit derivatives and risk management

    OpenAIRE

    Gibson, Michael S.

    2007-01-01

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

  20. Models of Credit Risk Measurement

    OpenAIRE

    Hagiu Alina

    2011-01-01

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

  1. Suffering by comparison: Twitter users' reactions to the Victoria's Secret Fashion Show.

    Science.gov (United States)

    Chrisler, Joan C; Fung, Kaitlin T; Lopez, Alexandra M; Gorman, Jennifer A

    2013-09-01

    Social comparison theory suggests that evaluating the self in comparison with others (e.g., peers, celebrities, models) can influence body image. Experimental studies that have tested effects of viewing idealized images in the media often show that women feel worse about themselves after seeing images that illustrate the beauty ideal. Twitter presents a naturally occurring opportunity to study viewers' reactions. An analysis was conducted of 977 tweets sent immediately before and during the 2011 Victoria's Secret Fashion Show that reference the show. Although the majority were idiosyncratic remarks, many tweets contain evidence of upward social comparisons to the fashion models. There were tweets about body image, eating disorders, weight, desires for food or alcohol, and thoughts about self-harm. The results support social comparison theory, and suggest that vulnerable viewers could experience negative affect, or even engage in harmful behaviors, during or after viewing the show or others like it. Copyright © 2013 Elsevier Ltd. All rights reserved.

  2. Management Strategy Of Bank Credit Portfolio

    OpenAIRE

    Nenad Vunjak; Tamara Antonijevic

    2008-01-01

    Credit portfolio includes a credit group that is structured by bank management team according to credit users. Realizing the key targets of credit portfolio management imply the analysis of: (1) volume of credits, (2) portfolio structure, (3) credit services, (4) payment of credits, (5) credit price (interest rate), (6) realized profit. The credit portfolio modeling is the top management competence. Performance of credit portfolio depends from expect risks and returns estimate, having insight...

  3. Arab Credit Reporting Guide

    OpenAIRE

    International Finance Corporation; Arab Monetary Fund

    2015-01-01

    During the first decade of this century, from 2001 to 2010, attention focused on the development of the credit information industry in the Middle East and North Africa (MENA) region. As MENA’s role in the global economy increases along with its attendant demographic integration, the development of comprehensive information sharing systems across the region has become an imperative. The overall ...

  4. Measuring Credit Spread Risk

    NARCIS (Netherlands)

    R.A.J. Campbell-Pownall (Rachel); R. Huisman (Ronald)

    2002-01-01

    textabstractIt is widely known that the small but looming possibility of default renders the expected return distribution for financial products containing credit risk to be highly skewed and fat tailed. In this paper we apply recent techniques developed for incorporating the additional risk faced

  5. The Credit/Non-Credit Divide: Breaking Down the Wall

    Science.gov (United States)

    Fouts, Susan; Mallory, Judy

    2010-01-01

    Programs awarding academic credit and programs awarding continuing education credit coexist on university campuses but often do not communicate or collaborate. This article explores the components of a successful program that reaches across the credit-noncredit divide to engage and serve the community. While most theoretical models are based on a…

  6. Dynamic Virtual Credit Card Numbers

    Science.gov (United States)

    Molloy, Ian; Li, Jiangtao; Li, Ninghui

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

  7. Credit where due.

    Science.gov (United States)

    Friedman, Steven G

    2016-08-01

    The history of medicine is filled with stories of tireless researchers who failed to get credit for their hard work. Examples of this include Rosalind Franklin, who helped to elucidate the structure of DNA; Frederick Banting, who helped to discover insulin; and Jay McLean, who discovered heparin. The founding of the field of vascular surgery provides one of the most vivid examples of uncredited work. Even though Alexis Carrel was an unpaid, untitled assistant in Charles Guthrie's laboratory, it was Carrel alone who received a Nobel Prize for their work. In an attempt to give credit where due, the reasons for this injustice are described. Copyright © 2016 Society for Vascular Surgery. Published by Elsevier Inc. All rights reserved.

  8. Dynamic Diversification in Corporate Credit

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Jacobs, Kris; Jin, Xisong

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

  9. Insurability of export credit risks

    OpenAIRE

    Alsem, K.J.

    2003-01-01

    This report presents an analysis of the market for export credit insurance. Governments of all developed countries oer exporting companies export credit (re)insurance, either directly or indirectly. This raises the questions 1. What are the key determinants of export credit risk insurability by the private market? 2. Which export credit risks can be covered by the private market? We provide an answer to these questions by means of a literature review and an extensive field study, with special...

  10. An assessement of the ecosystem health of Lake Victoria (East Africa)

    African Journals Online (AJOL)

    An assessement of the ecosystem health of Lake Victoria (East Africa): Current status, trends and impacts to fishery. ... complicated the ecosystem dynamics of Lake Victoria and pose serious uncertainties about its future stability and sustainability of the fisheries resources. Lake Victoria's future sustainability requires ...

  11. Intertemporal consumption and credit constraints

    DEFF Research Database (Denmark)

    Leth-Petersen, Søren

    2010-01-01

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

  12. Follow Up: Credit Card Caution

    Science.gov (United States)

    Cahill, Timothy P.

    2007-01-01

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

  13. Contravention of town planning regulations in Ikoyi and Victoria ...

    African Journals Online (AJOL)

    The study investigated possible relationships between educational attainment, awareness of town planning regulations and contravening these regulations in Ikoyi and Victoria Island, Lagos. Both primary and secondary data were used for the study. Secondary data were obtained from both published and unpublished ...

  14. 3D DIGITAL CADASTRE JOURNEY IN VICTORIA, AUSTRALIA

    Directory of Open Access Journals (Sweden)

    D. Shojaei

    2017-10-01

    Full Text Available Land development processes today have an increasing demand to access three-dimensional (3D spatial information. Complex land development may need to have a 3D model and require some functions which are only possible using 3D data. Accordingly, the Intergovernmental Committee on Surveying and Mapping (ICSM, as a national body in Australia provides leadership, coordination and standards for surveying, mapping and national datasets has developed the Cadastre 2034 strategy in 2014. This strategy has a vision to develop a cadastral system that enables people to readily and confidently identify the location and extent of all rights, restrictions and responsibilities related to land and real property. In 2014, the land authority in the state of Victoria, Australia, namely Land Use Victoria (LUV, has entered the challenging area of designing and implementing a 3D digital cadastre focused on providing more efficient and effective services to the land and property industry. LUV has been following the ICSM 2034 strategy which requires developing various policies, standards, infrastructures, and tools. Over the past three years, LUV has mainly focused on investigating the technical aspect of a 3D digital cadastre. This paper provides an overview of the 3D digital cadastre investigation progress in Victoria and discusses the challenges that the team faced during this journey. It also addresses the future path to develop an integrated 3D digital cadastre in Victoria.

  15. Research on School-Based Management in Victoria.

    Science.gov (United States)

    Gamage, David T.; And Others

    1996-01-01

    Describes a 1992-93 research project involving 66 state schools that attempted to ascertain the overall effectiveness of school-based management in Victoria, Australia. Findings of the Likert-style survey revealed substantial participant satisfaction with school councils' current composition, information provision, and overall functioning. (20…

  16. Fishing Business Arrangements and Sustainability in Lake Victoria ...

    African Journals Online (AJOL)

    In this article an attempt is made to analyse the existing production relations between the owners of the vessels and the crewmembers and the concern for sustainability. Our results found that the existing sharing system in Lake Victoria poses a big challenge in as far as sustainability is concerned. Some of the system such ...

  17. Implementing Co-management of Lake Victoria's Fisheries ...

    African Journals Online (AJOL)

    There are still many challenges facing the sustainable management of Lake Victoria fisheries, including; lack of compliance with regulations and rapid increase in fishing effort, environmental degradation, inadequate service provision and the high prevalence of HIV/AIDS amongst the fishing communities. Key words: Lake ...

  18. The Lake Victoria Intense Storm Early Warning System (VIEWS)

    Science.gov (United States)

    Thiery, Wim; Gudmundsson, Lukas; Bedka, Kristopher; Semazzi, Fredrick; Lhermitte, Stef; Willems, Patrick; van Lipzig, Nicole; Seneviratne, Sonia I.

    2017-04-01

    Weather extremes have harmful impacts on communities around Lake Victoria in East Africa. Every year, intense nighttime thunderstorms cause numerous boating accidents on the lake, resulting in thousands of deaths among fishermen. Operational storm warning systems are therefore crucial. Here we complement ongoing early warning efforts based on NWP, by presenting a new satellite data-driven storm prediction system, the prototype Lake Victoria Intense storm Early Warning System (VIEWS). VIEWS derives predictability from the correlation between afternoon land storm activity and nighttime storm intensity on Lake Victoria, and relies on logistic regression techniques to forecast extreme thunderstorms from satellite observations. Evaluation of the statistical model reveals that predictive power is high and independent of the input dataset. We then optimise the configuration and show that also false alarms contain valuable information. Our results suggest that regression-based models that are motivated through process understanding have the potential to reduce the vulnerability of local fishing communities around Lake Victoria. The experimental prediction system is publicly available under the MIT licence at http://github.com/wthiery/VIEWS.

  19. Study of genetic variation in population of Bipolaris victoriae , the ...

    African Journals Online (AJOL)

    Isolates of Bipolaris victoriae were analysed by random amplified polymorphic DNA (RAPD) techniques to determine the amount of intraspecific genetic variability. Seven primers were applied and DNA bands of 200-5000 bp were produced. Cluster analysis using UPGMA method gave five groups. Levels of polymorphism ...

  20. satellite lakes of lake victoria basin (tanzanian side)

    African Journals Online (AJOL)

    Studies on phytoplankton species diversity and abundance were carried out in 8 selected satellite lakes within the Lake Victoria ... cyanobacteria occurrence and their unforeseen effects such as toxin production and oxygen depletion during nights that may ..... Species extinction and concomitant ecological changes in Lake.

  1. Governance and Welfare of Fishing Communities of Lake Victoria ...

    African Journals Online (AJOL)

    ... have potable water or electricity. Educational standards remain low and many communities lack proper sanitation, and are therefore at risk of disease, while most basic facilities such as hospitals, schools and clinics are not within their reach. Key Words; Co-management, Beach Management Units, Lake Victoria, Health, ...

  2. Total mercury concentration in common fish species of Lake Victoria ...

    African Journals Online (AJOL)

    Total mercury (THg) concentration was analysed in muscles of common fish species of Lake Victoria in the eastern and southern parts of the lake using cold vapour Atomic Absorption Spectrophotometric technique. Mercury concentration in all fish species was generally lower than the WHO maximum allowable ...

  3. Transactional sex in the fishing communities along Lake Victoria ...

    African Journals Online (AJOL)

    The study describes the nature, context and implications of a unique form of transactional sexual relationships in the fishing communities along Lake Victoria in Kisumu County, Kenya. We conducted 12 focus group discussions and 17 key informant interviews among fishermen, fishmongers and fish transporters in Kisumu.

  4. Domestication of medicinal tree species in the Victoria lakeshore ...

    African Journals Online (AJOL)

    Mo

    Therefore, there is high potential of marketing forest products by the subsistence farmers. Growing medicinal plants is one great opportunity for raising household incomes in this area. A survey was conducted among herbalists living around the Victoria lakeshore region. Questionnaires were administered through formal ...

  5. Catalogue Use at the State Library of Victoria

    Science.gov (United States)

    Hider, Philip

    2008-01-01

    A questionnaire survey conducted at the State Library of Victoria indicates that users in general, and not just scholars, value the standard elements of bibliographic data found in the Library's catalogues, and consider all these elements useful for finding, identifying and selecting items. Rather than making do with less, users wanted more…

  6. Vocabulary Size Research at Victoria University of Wellington, New Zealand

    Science.gov (United States)

    Nation, Paul; Coxhead, Averil

    2014-01-01

    The English Language Institute (now the School of Linguistics and Applied Language Studies) at Victoria University of Wellington has a long history of corpus-based vocabulary research, especially after the arrival of the second director of the institute, H. V. George, and the appointment of Helen Barnard, whom George knew in India. George's…

  7. SEDIMENTS FROM SOUTHERN LAKE VICTORIA AND ITS BASIN

    African Journals Online (AJOL)

    Water, sediment and soil samples collected from Southern Lake Victoria and its basin were analysed for 76 organochlorine, organophosphorous, carbamate and pyrethroid pesticide residues. The samples were collected from sampling stations in nine districts on the Tanzanian side of the lake, namely Mwanza, Sengerema ...

  8. Early warnings of hazardous thunderstorms over Lake Victoria

    NARCIS (Netherlands)

    Thiery, Wim; Gudmundsson, Lukas; Bedka, Kristopher; Semazzi, Fredrick H.M.; Lhermitte, S.L.M.; Willems, Patrick; van Lipzig, Nicole P. M.; Seneviratne, Sonia I.

    2017-01-01

    Weather extremes have harmful impacts on communities around Lake Victoria in East Africa. Every year, intense nighttime thunderstorms cause numerous boating accidents on the lake, resulting in thousands of deaths among fishermen. Operational storm warning systems are therefore crucial. Here we

  9. Lake Victoria's Water Budget and the Potential Effects of Climate ...

    African Journals Online (AJOL)

    This paper presents the Lake Victoria water budget for the period 1950-2004 and findings of a study on potential climate change impact on the lake's Hydrology through the 21st Century. The mass balance components are computed from measured and simulated data. A2 and B2 emission scenarios of the Special Report ...

  10. Early warnings of hazardous thunderstorms over Lake Victoria

    Science.gov (United States)

    Thiery, Wim; Gudmundsson, Lukas; Bedka, Kristopher; Semazzi, Fredrick H. M.; Lhermitte, Stef; Willems, Patrick; van Lipzig, Nicole P. M.; Seneviratne, Sonia I.

    2017-07-01

    Weather extremes have harmful impacts on communities around Lake Victoria in East Africa. Every year, intense nighttime thunderstorms cause numerous boating accidents on the lake, resulting in thousands of deaths among fishermen. Operational storm warning systems are therefore crucial. Here we complement ongoing early warning efforts based on numerical weather prediction, by presenting a new satellite data-driven storm prediction system, the prototype Lake Victoria Intense storm Early Warning System (VIEWS). VIEWS derives predictability from the correlation between afternoon land storm activity and nighttime storm intensity on Lake Victoria, and relies on logistic regression techniques to forecast extreme thunderstorms from satellite observations. Evaluation of the statistical model reveals that predictive power is high and independent of the type of input dataset. We then optimise the configuration and show that false alarms also contain valuable information. Our results suggest that regression-based models that are motivated through process understanding have the potential to reduce the vulnerability of local fishing communities around Lake Victoria. The experimental prediction system is publicly available under the MIT licence at http://github.com/wthiery/VIEWS.

  11. Climate Change and Fishery Sustainability in Lake Victoria ...

    African Journals Online (AJOL)

    The fisheries of Lake Victoria have recently undergone rapid ecological and social change. Loss of diversity in terms of species richness and economic opportunity has increased the system's vulnerability to additional economic, ecological, and social stressors predicted with future climate change. This paper discusses the ...

  12. Credit Where Credit Is Due: Working with Our Service Members to Provide Credit for Experiential Learning

    Science.gov (United States)

    Boerner, Heather

    2013-01-01

    The awarding of prior learning credits for military students goes back to World War II, when the American Council on Education (ACE) first translated military training to college credit. Since then, the practice has expanded. More than 2,000 colleges and universities accept military training as a form of credit, explains Cathy Sandeen, ACE's vice…

  13. Credit and identity theft

    OpenAIRE

    Kahn, Charles M.; Roberds, William

    2005-01-01

    The quintessential crime of the information age is identity theft, the malicious use of personal identifying data. In this paper we model “identity” and its use in credit transactions. Various types of identity theft occur in equilibrium, including “new account fraud,” “existing account fraud,” and “friendly fraud.” The equilibrium incidence of identity theft represents a tradeoff between a desire to avoid costly or invasive monitoring of individuals on the one hand and the need to control tr...

  14. THE RELATIONSHIP BETWEEN EXPORTS, CREDIT RISK AND CREDIT GUARANTEES

    OpenAIRE

    Rienstra-Munnicha, Paul; Turvey, Calum G.

    2002-01-01

    This paper provides an understanding of how the export credit worthiness of an importing country affects export sales of agricultural and other manufactured products and how export credit guarantees or insurance can mitigate risks of non-payment. A theoretical model is developed. It shows how risk mitigation through export credit insurance could increase exports to high risk importing countries. The key result is that the export response curve is more inelastic in the presence of payment risk...

  15. Permit trading and credit trading

    DEFF Research Database (Denmark)

    Boom, Jan-Tjeerd; R. Dijstra, Bouwe

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

  16. Collective credit allocation in science

    CERN Document Server

    Shen, Hua-Wei

    2014-01-01

    Collaboration among researchers is an essential component of the modern scientific enterprise, playing a particularly important role in multidisciplinary research. However, we continue to wrestle with allocating credit to the coauthors of publications with multiple authors, since the relative contribution of each author is difficult to determine. At the same time, the scientific community runs an informal field-dependent credit allocation process that assigns credit in a collective fashion to each work. Here we develop a credit allocation algorithm that captures the coauthors' contribution to a publication as perceived by the scientific community, reproducing the informal collective credit allocation of science. We validate the method by identifying the authors of Nobel-winning papers that are credited for the discovery, independent of their positions in the author list. The method can also compare the relative impact of researchers working in the same field, even if they did not publish together. The ability...

  17. Financial Restructuring and Credit Unions

    OpenAIRE

    Greinke, Andrew

    1998-01-01

    The nature of credit unions as mutual financial institutions is examined and the economic implications of mutuality explored. While manager-shareholder agency costs are likely to be exacerbated within credit unions, shareholder-debtholder agency costs are likely to be eliminated. In this context, the implications for credit unions of the Campbell Report, the Financial Institutions scheme, and the Wallis Inquiry are discussed. While the imposition of risk-weighted capital adequacy requirements...

  18. Credit demand in Mozambican manufacturing

    DEFF Research Database (Denmark)

    Byiers, Bruce; Rand, John; Tarp, Finn

    2010-01-01

    manager education and business association membership are associated with whether a firm is credit constrained or not. Using our preferred measure of credit constraint suggests that around 43 per cent of the firms surveyed are constrained, and these enterprises would almost triple their debt burden......This paper uses two industrial firm surveys to identify the key determinants of credit demand in Mozambican manufacturing. We construct five different measures of being credit constrained and estimate desired debt demand. Besides firm size and ownership structure, we find evidence that general...

  19. Measles outbreak in young adults in Victoria, 1999.

    Science.gov (United States)

    Lambert, S B; Morgan, M L; Riddell, M A; Andrews, R M; Kelly, H A; Leydon, J A; Catton, M C; Lynch, P A; Gercovich, D K; Lester, R A; Carnie, J A; Rouch, G J

    2000-11-06

    To describe an outbreak of measles in Victoria. Case series with cases identified through enhanced passive surveillance and outbreak-related active surveillance. State of Victoria, 1999. Number of cases; epidemiological links and patterns of transmission; patient demographic features and vaccination status; complications. 75 cases were identified (74 laboratory-confirmed; and one epidemiologically linked to a laboratory-confirmed case), with onset between 11 February and 2 May 1999. The first case was in a 21-year-old woman who had recently holidayed in Bali and worked at a large cinema complex in Melbourne. Sixteen cases occurred in people who had contact with the index case at the cinema on one evening. The outbreak spread to regional Victoria and South Australia. Median age of patients was 22 years; 64 (85%) were born between 1968 and 1981, with only one patient in the age group targeted by the primary school component of the 1998 Australian Measles Control Campaign; this child had not been vaccinated. More than a third of patients (28) were hospitalised (total, 97 inpatient days), and five were healthcare workers. This outbreak was caused by international importation of measles virus. It highlights the change in epidemiology of measles in Australia, from a disease of childhood to one predominantly affecting young adults. A strong two-dose childhood vaccination program, vigilant surveillance, and rapid response to outbreaks will continue to be the basis of measles control, but better protection for young adults should be considered.

  20. Evolution of optically nondestructive and data-non-intrusive credit card verifiers

    Science.gov (United States)

    Sumriddetchkajorn, Sarun; Intaravanne, Yuttana

    2010-04-01

    Since the deployment of the credit card, the number of credit card fraud cases has grown rapidly with a huge amount of loss in millions of US dollars. Instead of asking more information from the credit card's holder or taking risk through payment approval, a nondestructive and data-non-intrusive credit card verifier is highly desirable before transaction begins. In this paper, we review optical techniques that have been proposed and invented in order to make the genuine credit card more distinguishable than the counterfeit credit card. Several optical approaches for the implementation of credit card verifiers are also included. In particular, we highlight our invention on a hyperspectral-imaging based portable credit card verifier structure that offers a very low false error rate of 0.79%. Other key features include low cost, simplicity in design and implementation, no moving part, no need of an additional decoding key, and adaptive learning.

  1. Financial sustainability in savings and credit programmes.

    Science.gov (United States)

    Havers, M

    1996-05-01

    This article provides a framework for determining, justifying, and improving financial sustainability of savings and credit programs. Credit programs have income from interest and fees. Income must pay for the cost of funds, loan write-offs, operating costs, and inflation. Reference is made to Otero and Rhyne's four levels of self-sufficiency in credit programs. The Grameen Bank is an example of Level 3 and most credit unions are level 4. Nongovernmental groups in the United Kingdom are level 1 or 2. Experience has shown that removal of subsidies did not affect the quality of services or shift benefits away from the poor. Success in serving poorer people better is attributed 1) to more money being available for lending under tighter management practices, 2) to greater openness to a variety of clients from removal of subsidy restrictions, 3) to a shift to higher interest rates that eliminate richer borrowers, and 4) to a shift to serious collection of loans which is a disincentive to more privileged borrowers. Percentages of loan loss, administration costs, cost of funds, and inflation are useful in measuring the sustainability of credit programs. Interest and fee income must also be measured. Fee repayment rates do not have a common definition of arrears, default, and write-off. A simple measure is the percentage of total costs covered by income. The World Bank recommends the Subsidy Dependence Index. Women tend to be better at repaying loans. Loan size should be related to borrowers' ability to handle the amount of the loan. Low and subsidized interest rates deter depositors and attract richer borrowers. Poorer borrowers are attracted by access to credit and not the cost of credit. Interest rates should be based on market rates. The loan payment should be no longer than necessary. Small groups of borrowers can guarantee each others loans. Group-based loan schemes work best. NGOs must project an image of being serious about loan collections and must take action

  2. Multiple Ratings and Credit Spreads

    NARCIS (Netherlands)

    Bongaerts, D.; Cremers, K.J.M.; Goetzmann, W.N.

    2009-01-01

    This paper explores the role played by multiple credit rating agencies (CRAs) in the market for corporate bonds. Moody’s, S&P and Fitch operate in a competitive setting with market demand for both credit information and the certification value of a high rating. We empirically document the outcome of

  3. Collective credit allocation in science.

    Science.gov (United States)

    Shen, Hua-Wei; Barabási, Albert-László

    2014-08-26

    Collaboration among researchers is an essential component of the modern scientific enterprise, playing a particularly important role in multidisciplinary research. However, we continue to wrestle with allocating credit to the coauthors of publications with multiple authors, because the relative contribution of each author is difficult to determine. At the same time, the scientific community runs an informal field-dependent credit allocation process that assigns credit in a collective fashion to each work. Here we develop a credit allocation algorithm that captures the coauthors' contribution to a publication as perceived by the scientific community, reproducing the informal collective credit allocation of science. We validate the method by identifying the authors of Nobel-winning papers that are credited for the discovery, independent of their positions in the author list. The method can also compare the relative impact of researchers working in the same field, even if they did not publish together. The ability to accurately measure the relative credit of researchers could affect many aspects of credit allocation in science, potentially impacting hiring, funding, and promotion decisions.

  4. Author Credit for Transdisciplinary Collaboration.

    Science.gov (United States)

    Xu, Jian; Ding, Ying; Malic, Vincent

    2015-01-01

    Transdisciplinary collaboration is the key for innovation. An evaluation mechanism is necessary to ensure that academic credit for this costly process can be allocated fairly among coauthors. This paper proposes a set of quantitative measures (e.g., t_credit and t_index) to reflect authors' transdisciplinary contributions to publications. These measures are based on paper-topic probability distributions and author-topic probability distributions. We conduct an empirical analysis of the information retrieval domain which demonstrates that these measures effectively improve the results of harmonic_credit and h_index measures by taking into account the transdisciplinary contributions of authors. The definitions of t_credit and t_index provide a fair and effective way for research organizations to assign credit to authors of transdisciplinary publications.

  5. Author Credit for Transdisciplinary Collaboration

    Science.gov (United States)

    Xu, Jian; Ding, Ying; Malic, Vincent

    2015-01-01

    Transdisciplinary collaboration is the key for innovation. An evaluation mechanism is necessary to ensure that academic credit for this costly process can be allocated fairly among coauthors. This paper proposes a set of quantitative measures (e.g., t_credit and t_index) to reflect authors’ transdisciplinary contributions to publications. These measures are based on paper-topic probability distributions and author-topic probability distributions. We conduct an empirical analysis of the information retrieval domain which demonstrates that these measures effectively improve the results of harmonic_credit and h_index measures by taking into account the transdisciplinary contributions of authors. The definitions of t_credit and t_index provide a fair and effective way for research organizations to assign credit to authors of transdisciplinary publications. PMID:26375678

  6. 12 CFR 561.12 - Consumer credit.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Consumer credit. 561.12 Section 561.12 Banks... AFFECTING ALL SAVINGS ASSOCIATIONS § 561.12 Consumer credit. The term consumer credit means credit extended... association relies substantially upon other factors, such as the general credit standing of the borrower...

  7. 12 CFR 703.6 - Credit analysis.

    Science.gov (United States)

    2010-01-01

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

  8. 7 CFR 4279.131 - Credit quality.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Credit quality. 4279.131 Section 4279.131 Agriculture... Credit quality. The lender is primarily responsible for determining credit quality and must address all of the elements of credit quality in a written credit analysis including adequacy of equity, cash...

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

    Science.gov (United States)

    Fox, Linda Kirk

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

  10. An examination of injection drug use trends in Victoria and Vancouver, BC after the closure of Victoria's only fixed-site needle and syringe programme.

    Science.gov (United States)

    Ivsins, Andrew; Chow, Clifton; Macdonald, Scott; Stockwell, Tim; Vallance, Kate; Marsh, David C; Michelow, Warren; Duff, Cameron

    2012-07-01

    Needle and syringe programmes (NSPs) have been established as effective harm reduction initiatives to reduce injection drug use (IDU)-related risk behaviours, including sharing needles. On May 31, 2008, Victoria, BC's only fixed site NSP was shut down due to community and political pressure. This study examines and compares IDU trends in Victoria with those in Vancouver, BC, a city which has not experienced any similar disruption of IDU-related public health measures. Quantitative and qualitative data were collected by interviewer-administered questionnaires conducted with injection drug users (n=579) in Victoria and Vancouver between late 2007 and late 2010. Needle sharing increased in Victoria from under 10% in early 2008 to 20% in late 2010, whilst rates remained relatively low in Vancouver. Participants in Victoria were significantly more likely to share needles than participants in Vancouver. Qualitative data collected in Victoria highlight the difficulty participants have experienced obtaining clean needles since the NSP closed. Recent injection of crack cocaine was independently associated with needle sharing. The closure of Victoria's fixed site NSP has likely resulted in increased engagement in high-risk behaviours, specifically needle sharing. Our findings highlight the contribution of NSPs as an essential public health measure. Copyright © 2011 Elsevier B.V. All rights reserved.

  11. Two kinds of credit rationing

    Directory of Open Access Journals (Sweden)

    H.W. ARNDT

    2013-12-01

    Full Text Available Some advocates of financial development have made a powerful case against government control of interest rates by resting their case on the discriminatory effects of credit rationing. In doing so they have confused the issues by attributing to government controls the consequences which normally flow from credit rationing by banks even in the absence of legal control. The object of the article is to clear up the confusion by distinguishing more clearly between two kinds of credit rationing, “bank rationing” and “government rationing”.

  12. An Anonymous Credit Card System

    Science.gov (United States)

    Androulaki, Elli; Bellovin, Steven

    Credit cards have many important benefits; however, these same benefits often carry with them many privacy concerns. In particular, the need for users to be able to monitor their own transactions, as well as bank’s need to justify its payment requests from cardholders, entitle the latter to maintain a detailed log of all transactions its credit card customers were involved in. A bank can thus build a profile of each cardholder even without the latter’s consent. In this paper, we present a practical and accountable anonymous credit system based on ecash, with a privacy preserving mechanism for error correction and expense-reporting.

  13. Galileo's Instruments of Credit Telescopes, Images, Secrecy

    CERN Document Server

    Biagioli, Mario

    2006-01-01

    In six short years, Galileo Galilei went from being a somewhat obscure mathematics professor running a student boarding house in Padua to a star in the court of Florence to the recipient of dangerous attention from the Inquisition for his support of Copernicanism. In that brief period, Galileo made a series of astronomical discoveries that reshaped the debate over the physical nature of the heavens: he deeply modified the practices and status of astronomy with the introduction of the telescope and pictorial evidence, proposed a radical reconfiguration of the relationship between theology and a

  14. 12 CFR 614.4352 - Farm Credit Banks and agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Banks and agricultural credit banks. 614.4352 Section 614.4352 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending and Leasing Limits § 614.4352 Farm Credit Banks and agricultural credit...

  15. Increasing deaths involving oxycodone, Victoria, Australia, 2000-09.

    Science.gov (United States)

    Rintoul, Angela C; Dobbin, Malcolm D H; Drummer, Olaf H; Ozanne-Smith, Joan

    2011-08-01

    In light of an emerging epidemic identified in the United States and Canada, to identify trends in fatal drug toxicity involving oxycodone and the demographic characteristics and indicators of socioeconomic disadvantage of the deceased. Population-based observational study in Victoria, Australia. Decedents whose death was reported to the Victorian Coroner between 2000 and 2009 and where oxycodone was detected. Association between supply of oxycodone and deaths. Demographic characteristics of decedents. Rate ratios of the rural or metropolitan location and socioeconomic indicators of disadvantage of the deceased. Supply to Victoria has increased nine-fold from 7.5 mg per capita in 2000 to 67.5 mg per capita in 2009. Detection of oxycodone in deaths reported to the Victorian Coroner has increased from 4 (0.08/100,000 population) in 2000 to 97 (1.78/100,000 population) in 2009-a 21-fold increase in deaths. Of the 320 cases described, 53.8% (172) were the result of drug toxicity. Of these, 52.3% were unintentional and 19.8% intentional self-harm; the remaining 27.9% are either still under investigation by the coroner or intent is unknown. Drug toxicity deaths were overrepresented in both rural areas and areas indexed with high levels of disadvantage. The substantial increase in the number of deaths involving oxycodone is strongly and significantly associated with the increase in supply. Most drug toxicity deaths involving oxycodone were unintentional. This newly identified trend in fatalities in Victoria supports concerns that a pattern of increasing deaths involving oxycodone is emerging globally.

  16. Armenia - Water to Market Credit

    Data.gov (United States)

    Millennium Challenge Corporation — The analysis of WtM credit used baseline and final follow-up Farming Practices Survey (FPS) data to summarize beneficiary and loan characteristics, as well as to...

  17. Bankruptcy Reform and Credit Cards

    National Research Council Canada - National Science Library

    Michelle J. White

    2007-01-01

    .... Personal bankruptcy filings fell to 600,000 in 2006. This paper explores why personal bankruptcy rates rose, and will argue that the main reason is the growth of "revolving debt"--mainly credit card debt...

  18. Reforming Victoria's primary health and community service sector: rural implications.

    Science.gov (United States)

    Alford, K

    2000-01-01

    In 1999 the Victorian primary care and community support system began a process of substantial reform, involving purchasing reforms and a contested selection process between providers in large catchment areas across the State. The Liberal Government's electoral defeat in September 1999 led to a review of these reforms. This paper questions the reforms from a rural perspective. They were based on a generic template that did not consider rural-urban differences in health needs or other differences including socio-economic status, and may have reinforced if not aggravated rural-urban differences in the quality of and access to primary health care in Victoria.

  19. Exploration of Victoria crater by the mars rover opportunity

    Science.gov (United States)

    Squyres, S. W.; Knoll, A.H.; Arvidson, R. E.; Ashley, James W.; Bell, J.F.; Calvin, W.M.; Christensen, P.R.; Clark, B. C.; Cohen, B. A.; De Souza, P.A.; Edgar, L.; Farrand, W. H.; Fleischer, I.; Gellert, Ralf; Golombek, M.P.; Grant, J.; Grotzinger, J.; Hayes, A.; Herkenhoff, K. E.; Johnson, J. R.; Jolliff, B.; Klingelhofer, G.; Knudson, A.; Li, R.; McCoy, T.J.; McLennan, S.M.; Ming, D. W.; Mittlefehldt, D. W.; Morris, R.V.; Rice, J. W.; Schroder, C.; Sullivan, R.J.; Yen, A.; Yingst, R.A.

    2009-01-01

    The Mars rover Opportunity has explored Victoria crater, a ???750-meter eroded impact crater formed in sulfate-rich sedimentary rocks. Impact-related stratigraphy is preserved in the crater walls, and meteoritic debris is present near the crater rim. The size of hematite-rich concretions decreases up-section, documenting variation in the intensity of groundwater processes. Layering in the crater walls preserves evidence of ancient wind-blown dunes. Compositional variations with depth mimic those ???6 kilometers to the north and demonstrate that water-induced alteration at Meridiani Planum was regional in scope.

  20. Eesti NATO Ühing juurutab demokraatlikke väärtusi / Victoria Punga ; interv. Aive Antsov

    Index Scriptorium Estoniae

    Punga, Victoria, 1977-

    2007-01-01

    Eesti NATO Ühingu tegevjuht organisatsiooni eesmärkidest, projektidest, koostööst teiste riikidega ning kaitsepoliitika ja majanduse seostest. Lisa: Väljavõte Victoria CVst; Eesti kaitsepoliitika viis plussi Victoria meelest

  1. Lunnyu soils in the Lake Victoria basin of Uganda: Link to ...

    African Journals Online (AJOL)

    Lunnyu soils in the Lake Victoria basin of Uganda: Link to toposequence and soil type. B Fungo, S Grunwald, MM Tenywa, B Vanlauwe, P Nkedi-Kizza. Abstract. We compared the physico-chemical characteristics of Lunnyu soils using soil type and slope position in order to explain their variability in the Lake Victoria basin ...

  2. A Snapshot: Multicultural Music Teaching in Schools in Victoria, Australia, Portrayed by School Teachers

    Science.gov (United States)

    Nethsinghe, Rohan Nishantha

    2012-01-01

    Due to the changing demographic factors and as demanded by the governmental policies and regulations, schools in Victoria, Australia, are expected to foster multicultural educational programs that address the diverse needs of students. Research has found that school teachers in Victoria struggle to provide the aspired to multicultural education…

  3. Editorial The “Eye” of Africa: A Vision of Lake Victoria Basin as an ...

    African Journals Online (AJOL)

    AGHOGHO A

    The “Eye” of Africa: A Vision of Lake Victoria Basin as an Environmental. Observatory. Since my days as a schoolboy in geography class, I have not been able to observe maps of the African continent without also “seeing” the profile of a face, with Lake Victoria representing the right eye, gazing adoringly at Madagascar.

  4. Victoria suudlus teeb maapoisist printsi, kuid mitte tulevase kuninga / Kaivo Kopli

    Index Scriptorium Estoniae

    Kopli, Kaivo

    2010-01-01

    Printsess Victoria tulevasest abikaasast Daniel Westlingist, printsess Madelaine'i kihluse lõpetamisest, Bernadotte'ide dünastia asutajast Jean Bernadotte'ist. Monarhia toetajate vähenemisest Rootsis. Printsess Victoria ja Daniel Westlingi pulmatseremooniast 19. juunil

  5. Awarding Credit Where Credit Is Due: Effective Practices for the Implementation of Credit by Exam. Adopted Spring 2014

    Science.gov (United States)

    Academic Senate for California Community Colleges, 2014

    2014-01-01

    Credit by Exam is a mechanism employed in the California community colleges as a means of granting credit for student learning outside of the traditional classroom. In some instances, credit by exam is the means used to award college credit for structured learning experiences in a secondary educational setting, while in other instances knowledge…

  6. An examination of the selenium nutrition of sheep in Victoria.

    Science.gov (United States)

    Caple, I W; Andrewartha, K A; Edwards, S J; Halpin, C G

    1980-04-01

    The selenium nutrition of sheep throughout Victoria was assessed by a survey of the blood glutathione peroxidase activity in 708 flocks. It was shown that the blood glutathione peroxidase activity in sheep had a seasonal variation with lowest levels in the spring. The enzyme activity was correlated with the blood selenium concentration. Areas where blood selenium was less than 0.03 micrograms/ml in spring were defined. Sheep with low selenium nutrition were grazing pastures in the high rainfall areas on acid soils, particularly those derived from granite. Selenium concentrations in pasture samples examined were greater than 0.02 mg/kg, and it was found that superphosphate application had no significant effect on the selenium content of pasture. However, management practices such as high stocking rates and rates of application of superphosphate to pasture were associated with low blood glutathione peroxidase activities in sheep. It was concluded that the selenium nutrition of most of the sheep flocks in Victoria is adequate, and that the deficient areas are localised. There seems little requirement for supplementation of adult sheep. As the delayed type of white muscle disease in spring lambs appears to be the main selenium-responsive disorder, direct supplementation of lambs in the low selenium areas would be the most effective method of ensuring adequate selenium nutrition.

  7. Epidemiology of the 2012 influenza season in Victoria, Australia

    Directory of Open Access Journals (Sweden)

    James Fielding

    2013-08-01

    Full Text Available Objective: To assess the magnitude and severity of the 2012 influenza season in Victoria, Australia using surveillance data from five sources. Methods: Data from influenza notifications, sentinel general practices, a sentinel hospital network, a sentinel locum service and strain typing databases for 2012 were descriptively analysed. Results: Influenza and influenza-like illness activity was moderate compared to previous years, although a considerable increase in notified laboratory-confirmed influenza was observed. Type A influenza comprised between 83% and 87% of cases from the general practitioners, hospitals and notifiable surveillance data. Influenza A/H3 was dominant in July and August, and most tested isolates were antigenically similar to the A/Perth/16/2009 virus used in the vaccine. There was a smaller peak of influenza type B in September. No tested viruses were resistant to any neuraminidase inhibitor antivirals. Higher proportions of type A/H3, hospitalized cases and those with a comorbid condition indicated for influenza vaccination were aged 65 years or older. Influenza vaccination coverage among influenza-like illness patients was 24% in sentinel general practices and 50% in hospitals. Discussion: The 2012 influenza season in Victoria was average compared to previous years, with an increased dominance of A/H3 accompanied by increases in older and hospitalized cases. Differences in magnitude and the epidemiological profile of cases detected by the different data sources demonstrate the importance of using a range of surveillance data to assess the relative severity of influenza seasons.

  8. Comprehensive nursing education in Victoria: rhetoric or reality?

    Science.gov (United States)

    Happell, B

    2001-12-01

    Significant and widespread changes to the education of the psychiatric nursing workforce in Victoria, Australia are resulting in serious problems in the recruitment of new nursing staff. In reviewing the available literature, it is evident that undergraduate nursing students do not commence their educational program with a strong interest in pursuing a career in psychiatric nursing. In light of this knowledge, the role of education in providing a comprehensive view of the nursing profession becomes paramount. Research investigating the impact of education on the attitudes of students to psychiatric nursing as a career option has produced mixed and often inconclusive results. A longitudinal study was undertaken in Victoria, Australia. Students of the majority of universities in which undergraduate nursing programs were operating participated in this study. The participants were asked to rank nine areas of nursing specialty in order of preference at the commencement and immediately prior to the completion of the nursing program. Despite a significant improvement in the popularity of psychiatric nursing as a career choice, this area was ranked at number 8 at both pre- and post-program test. The analysis of open-ended questions demonstrated a marked change in the overall attitudes towards the mentally ill and psychiatric nursing.

  9. VICTORIA PARK: A DEMOCTRATIC PUBLIC OPEN SPACE FOR INDONESIA DOMESTIC HELPERS (TKW

    Directory of Open Access Journals (Sweden)

    Parmonangan Manurung

    2016-01-01

    Full Text Available Victoria Park is the largest city park in Hong Kong. This city park is not only known in Hong Kong, but also very well known in Indonesia as a gathering place for Indonesia domestic helpers (TKW in Hong Kong. This research tried to find out some determinant factors that have been affected the public open spac of Victoria Park to be a gathering place for thousands of TKW in Sunday and holidays as their day off. In order to get the results of research, some methodological research had been conducted such as: observation (survey, mapping, interviews and literature studies. The results showed that Victoria Park has a number of factors capable of meeting the needs of domestic help-ers in Hong Kong, these factors consist of internal factors and external factors. Internally, the character and functions held Victoria Park became a very influential factor, while externally, the accessibility and support functions around Victoria Park also has a considerable influence.

  10. 76 FR 79531 - Corporate Credit Unions

    Science.gov (United States)

    2011-12-22

    ... From the Federal Register Online via the Government Publishing Office NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 704 RIN 3133-AD95 Corporate Credit Unions AGENCY: National Credit Union Administration... credit unions (corporates). The final amendments make technical corrections to and clarify certain...

  11. 32 CFR 643.116 - Credit unions.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 4 2010-07-01 2010-07-01 true Credit unions. 643.116 Section 643.116 National... Additional Authority of Commanders § 643.116 Credit unions. The establishment of credit unions on Army... buildings, without charge for rent or services, to any credit union organized under State law or to any...

  12. 13 CFR 120.390 - Revolving credit.

    Science.gov (United States)

    2010-01-01

    ... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Revolving credit. 120.390 Section 120.390 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Special Purpose Loans Caplines Program § 120.390 Revolving credit. (a) CapLines finances eligible small businesses...

  13. 24 CFR 92.221 - Match credit.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 1 2010-04-01 2010-04-01 false Match credit. 92.221 Section 92.221... INVESTMENT PARTNERSHIPS PROGRAM Program Requirements Matching Contribution Requirement § 92.221 Match credit. (a) When credit is given. Contributions are credited on a fiscal year basis at the time the...

  14. 49 CFR 260.13 - Credit reform.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 4 2010-10-01 2010-10-01 false Credit reform. 260.13 Section 260.13... REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.13 Credit reform. The Federal Credit Reform Act of 1990, 2 U.S.C. 661, requires Federal agencies to set aside the subsidy cost of new credit...

  15. 75 FR 75648 - Corporate Credit Unions

    Science.gov (United States)

    2010-12-06

    ... From the Federal Register Online via the Government Publishing Office NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Parts 701, 704, and 741 RIN 3133-AD74 Corporate Credit Unions AGENCY: National Credit Union... Board issued a proposed rule amending its corporate credit union rule. 75 FR 73000 (November 29, 2010...

  16. 47 CFR 97.505 - Element credit.

    Science.gov (United States)

    2010-10-01

    ... 47 Telecommunication 5 2010-10-01 2010-10-01 false Element credit. 97.505 Section 97.505... SERVICE Qualifying Examination Systems § 97.505 Element credit. (a) The administering VEs must give credit.... (b) No examination credit, except as herein provided, shall be allowed on the basis of holding or...

  17. Trade credit: Elusive insurance of firm growth

    NARCIS (Netherlands)

    Bams, Dennis; Bos, Jaap; Pisa, Magdalena

    2016-01-01

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

  18. Credit Scores, Race, and Residential Sorting

    Science.gov (United States)

    Nelson, Ashlyn Aiko

    2010-01-01

    Credit scores have a profound impact on home purchasing power and mortgage pricing, yet little is known about how credit scores influence households' residential location decisions. This study estimates the effects of credit scores on residential sorting behavior using a novel mortgage industry data set combining household demographic, credit, and…

  19. Credit bureaus: the long arm of collections.

    Science.gov (United States)

    Black, K G

    1990-11-01

    Credit bureau services often are ignored by healthcare providers as a resource for reducing bad debt. Reporting guarantors' credit information--especially bad debt--to credit bureaus can prevent debtors from obtaining new credit before an overdue hospital bill is paid, thereby reducing the number of past due accounts and increasing the hospital's cash flow.

  20. Lending and Credit Monitoring Principles

    Directory of Open Access Journals (Sweden)

    Viorica IOAN

    2012-11-01

    Full Text Available The results of a bank’s activities depend to a significant extent on the quality of the credit portfolio that it holds, as well as on the credit tracking and control system. The purpose and functioning of such inter-banking systems differs from one bank to another. Loans require an increasingly efficient type of internal surveillance of activity. Following the clients’ behavior and performances, as well as their entire activity is a particularly important phase and absolutely necessary in the course of a loan. The purpose of this activity is, generally, that of identifying, as early as possible, of clues about any problems that may appear during the course of the loan, so as to make possible, as early as can be, the taking of remedial measures with a view to anticipate the deterioration of the loan’s debt. An open communication between the bank and the loan’s beneficiary is an essential condition for an efficient tracking program. Another basic element is the rigorous and complete filling out of the credit papers. The credit files are the backbone of the of the loan monitoring process because these contain all of the documents which may offer to the credit officer, accounting expert, as well as other interested parties a permanent, chronological record of the loan relation.

  1. Capital stock management during a recession that freezes credit markets

    NARCIS (Netherlands)

    Caulkins, J.P.; Feichtinger, G.; Grass, D.; Hartl, R.F.; Kort, Peter; Seidl, A.

    This paper considers the problem of how to price a conspicuous product while maintaining liquidity during a recession which both reduces demand and freezes credit markets. Reducing price would help maintain cash flow, but low prices can erode brand image and, hence, long-term sales. The paper

  2. Who needs credit and who gets credit in Eastern Europe

    NARCIS (Netherlands)

    Brown, M.; Ongena, S.; Popov, A.; Yesin, P.

    2011-01-01

    Based on survey data covering 8,387 firms in 20 countries we compare the access to bank credit for firms in Eastern Europe to that in selected Western European countries. Our analysis reveals five main results. First, the firm-level determinants of the propensity to apply are similar in Eastern and

  3. Credit rating dynamics and competition

    DEFF Research Database (Denmark)

    Hirth, Stefan

    2014-01-01

    I analyze the market for credit ratings with competition between more than two rating agencies. How can honest rating behavior be achieved, and under which conditions can a new honest rating agency successfully invade a market with inflating incumbents? My model predicts cyclic dynamics if sophis......I analyze the market for credit ratings with competition between more than two rating agencies. How can honest rating behavior be achieved, and under which conditions can a new honest rating agency successfully invade a market with inflating incumbents? My model predicts cyclic dynamics...

  4. 78 FR 2449 - Office of Small Credit Unions (OSCUI) Grant Program Access for Credit Unions

    Science.gov (United States)

    2013-01-11

    ... From the Federal Register Online via the Government Publishing Office NATIONAL CREDIT UNION ADMINISTRATION Office of Small Credit Unions (OSCUI) Grant Program Access for Credit Unions AGENCY: National Credit Union Administration (NCUA). ACTION: Notice of Funding Opportunity. SUMMARY: The National Credit...

  5. 12 CFR 614.4530 - Special loans, production credit associations and agricultural credit associations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Special loans, production credit associations and agricultural credit associations. 614.4530 Section 614.4530 Banks and Banking FARM CREDIT..., production credit associations and agricultural credit associations. Under policies approved by the bank...

  6. VENUS - The Victoria Experimental Network Under the Sea: First Light

    Science.gov (United States)

    Dewey, R. K.; Tunnicliffe, V.; Round, A.

    2006-05-01

    The Victoria Experimental Network Under the Sea (VENUS) is a recently installed cabled ocean observatory representing the next generation of infrastructure technology. VENUS is scheduled to consist of two major segments, one in Saanich Inlet (installed in February 2006), and a second in the Strait of Georgia (planned for October 2006). The technologies associated with both the hardware and software that will deliver data from instruments to scientists is being developed in collaboration with both the NEPTUNE Canada and MARS observatories. The presentation will provide an overview of the science projects planned for stage one of the installed instruments, the engineering design of the infrastructure, the preliminary design of the Data Management and Archive System (DMAS), lessons learned so far, and preliminary results from the first few months of data from Saanich Inlet.

  7. Myxomatosis in the Mallee region of Victoria, Australia.

    Science.gov (United States)

    Shepherd, R C; Edmonds, J W; Nolan, I F; Gocs, A

    1978-10-01

    Sharp reductions in the wild rabbit (Oryctolagus cuniculus (L.)) population in the Mallee are associated with annual myxomatosis epizootics. The extent to which the population reductions are the direct result of the epizootics varies with time of epizootic occurrence. All grazing animals in the Mallee are under nutritional stress each summer and autumn. When the epizootic occurs during the early summer heavy losses occur in a previously healthy population. Similar losses which occur in the late summer and autumn are the result of a nutritional stress - epizootic complex. The end result in each case is a population reduction of about 80%. This reduction occurs in a population which is the most resistant to myxomatosis known in Victoria and in association with epizootics caused by field strains of myxoma virus of moderate virulence only. The earlier summer epizootics are of considerable economic importance because they sharply reduce the pressure on the limited food available for other grazing animals.

  8. Literatura y vida. Una lectura de Victoria Ocampo

    Directory of Open Access Journals (Sweden)

    María Celia Vázquez

    2006-09-01

    Full Text Available The relation of literature, writer and life, particularly, the way life is understood within this relation constitutes a key element to define the peculiar way of reading literature that Victoria Ocampo had. This can be seen in her essay on Emily Brontë; though she gives priority to biography over aesthetics, Ocampo does not adopt a biographical approach nor identifies the meaning of life with that of the writer's biography since she searches the key for interpretation in natural forces such as "character" and "fate" (instead of the positivistic interaction of social and historical environment. Thus, she identifies the vital experience of nature (the moors as the key for the writer's personality as well as her novel's, Wuthering Heights.

  9. Brownfields New Markets Tax Credits

    Science.gov (United States)

    This Brownfi elds Solutions factsheet is intended for brownfields stakeholders interested in how the U.S. Department of the Treasury’s New Markets Tax Credit (NMTC) Program can be used as a financing mechanism in brownfields cleanup and redevelopment.

  10. Insurability of export credit risks

    NARCIS (Netherlands)

    Alsem, K.J.; Antufjew, J.; Huizingh, K.R.E.; Koning, Ruud H.; Sterken, E.; Woltil, M.

    2003-01-01

    Firms exporting their goods and services abroad face risks that are different from the risks faced by firms who do not engage in international trade. It is common practice to allow the receiving party to pay in instalments. The exporting firm faces credit risk, but as in most countries, Dutch firms

  11. Virtual Credit Card Processing System

    OpenAIRE

    Gray, Geraldine; Church, Karen; Ayres, Tony

    2015-01-01

    The virtual credit card processing system is an e-business system we have developed which provides a secure and universal mechanism for making purchases over the Internet. The system uses Remote Method Invocation (RMI), Java Server Pages (JSP), Java Servlets and Java Database Connectivity (JDBC). We also look at the possibility of implementing the system using the Web Services architecture.

  12. Credit Policy within BRD Bank

    Directory of Open Access Journals (Sweden)

    Moraru Camelia

    2017-01-01

    It has been found that credit is indispensable to an economy, which is why the method of granting itis significant and, in this sense, the function of the bank of financial analyst plays an important rolein orienting resources towards the most efficient placements.

  13. Credit Risk Transfer and Crunches

    DEFF Research Database (Denmark)

    Wigan, Duncan

    2010-01-01

    credit derivatives market broke the limits of financial production and defined state actions in the face of crisis. A shift from a central concern with solvency to that of liquidity thinly masks a profound redistribution of power from the public to the private. By swapping private assets of uncertain...

  14. Dealer Pricing of Consumer Credit

    NARCIS (Netherlands)

    Hochguertel, S.; Bertola, G.; Koeniger, W.

    2005-01-01

    Price discrimination incentives may induce dealers to bear the financial cost of their customers' credit purchases. We focus on how financial market imperfections make it possible to segment the customer population. When borrowing and lending rates differ from each other and from the rate of

  15. Credit Supply and Corporate Innovation

    DEFF Research Database (Denmark)

    Amore, Mario Daniele; Schneider, Cédric; Žaldokas, Alminas

    2013-01-01

    We present evidence that banking development plays a key role in technological progress. We focus on manufacturing firms' innovative performance, measured by patent-based metrics, and employ exogenous variations in banking development arising from the staggered deregulation of banking activities ...... that these results are strongly driven by a greater ability of deregulated banks to geographically diversify credit risk....

  16. Credit Supply and Corporate Innovation

    DEFF Research Database (Denmark)

    Amore, Mario Daniele; Schneider, Cédric; Zaldokas, Alminas

    .S. states during the 1980s and 1990s. We find that deregulation had significant beneficial effects on the quantity and quality of innovation activities, especially for firms highly dependent on external capital and located closer to entering banks. Furthermore, we find that these results are partly driven...... by a greater ability of deregulated banks to geographically diversify credit risk....

  17. Critical Comments on Brian Victoria's "Engaged Buddhism: Skeleton in the Closet?"

    Directory of Open Access Journals (Sweden)

    Koichi Miyata

    2015-02-01

    Full Text Available In "Engaged Buddhism: A Skeleton in the Closet?" (Vol. 2 Brian Daizen Victoria claims, among other things, that Tsunesaburo Makiguchi (1871-1944, founder of the Soka Kyoiku Gakkai (forebear of the Soka Gakkai and Soka Gakkai International, was an active supporter of the Japanese wars of aggression. In this response, Koichi Miyata argues that Victoria's claims rest on the highly selective use of quotes, and ignore key interpretative issues associated with Japanese imperial fascism and its underlying belief structures. Miyata discusses the significance of Makiguchi's arrest and imprisonment under a law specifically aimed at opponents of the war efforts, in his analysis of critical lapses in Victoria's article.

  18. Credit Risk Modelling and Implementation of Credit Risk Models in China

    OpenAIRE

    Yu, Mengxiao

    2007-01-01

    Credit risk, or the risk of counterparty default, is an important factor in the valuation and risk management of financial assets. It has become increasingly important to financial institutions. A variety of credit risk models have been developed to measure credit risk. They are J.P. Morgan's CreditMetrics; KMV's PortfolioManager based on Merton (1974) option pricing model; macroeconomic model CreditPortfolio View developed by McKinsey; CSFB's Credit Risk+ Model based on actuarial science fra...

  19. A Mechanism for Anonymous Credit Card Systems

    Science.gov (United States)

    Tamura, Shinsuke; Yanase, Tatsuro

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

  20. Credit Card Debt Hardship Letter Samples

    OpenAIRE

    lissa coffey

    2016-01-01

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

  1. DEVELOPMENT OF A CREDIT POLICY FOR MARKETS SUBJECT TO CREDIT RATIONING

    Directory of Open Access Journals (Sweden)

    Lobov A. A.

    2015-09-01

    Full Text Available Effective credit policy is an essential condition for bank’s successful operation. In this article methods of developing a credit policy that accounts for information asymmetry and «reverse selection» effect in the credit market are considered. In the course of research, relationships between interest rates, “pass” credit score, total bank’s income, average profitability of a credit product and the amount of capital required to be allocated to a new product, were revealed. Noting these relationships, bank’s credit department is able to set optimal interest rates, credit score and capital, as well as to apply credit rationing, if necessary.

  2. End‐of‐life decisions in medical practice: a survey of doctors in Victoria (Australia)

    Science.gov (United States)

    Neil, D A; Coady, C A J; Thompson, J; Kuhse, H

    2007-01-01

    Objectives To discover the current state of opinion and practice among doctors in Victoria, Australia, regarding end‐of‐life decisions and the legalisation of voluntary euthanasia. Longitudinal comparison with similar 1987 and 1993 studies. Design and participants Cross‐sectional postal survey of doctors in Victoria. Results 53% of doctors in Victoria support the legalisation of voluntary euthanasia. Of doctors who have experienced requests from patients to hasten death, 35% have administered drugs with the intention of hastening death. There is substantial disagreement among doctors concerning the definition of euthanasia. Conclusions Disagreement among doctors concerning the meaning of the term euthanasia may contribute to misunderstanding in the debate over voluntary euthanasia. Among doctors in Victoria, support for the legalisation of voluntary euthanasia appears to have weakened slightly over the past 17 years. Opinion on this issue is sharply polarised. PMID:18055904

  3. Eutrophication, Nile perch and food-web interactions in south-east Lake Victoria

    NARCIS (Netherlands)

    Cornelissen, I.J.M.

    2015-01-01

    The increasing eutrophication, the introduction of Nile perch (Lates niloticus) and the increasing fishing pressure has changed Lake Victoria tremendously the last century. Since the 1960s, eutrophication increased primary production, enabling an increase in fish production. However, eutrophication

  4. Ecological Biogeography of the Terrestrial Nematodes of Victoria Land, Antarctica

    Directory of Open Access Journals (Sweden)

    Byron Adams

    2014-06-01

    Full Text Available The terrestrial ecosystems of Victoria Land, Antarctica are characteristically simple in terms of biological diversity and ecological functioning. Nematodes are the most commonly encountered and abundant metazoans of Victoria Land soils, yet little is known of their diversity and distribution. Herein we present a summary of the geographic distribution, habitats and ecology of the terrestrial nematodes of Victoria Land from published and unpublished sources. All Victoria Land nematodes are endemic to Antarctica, and many are common and widely distributed at landscape scales. However, at smaller spatial scales, populations can have patchy distributions, with the presence or absence of each species strongly influenced by specific habitat requirements. As the frequency of nematode introductions to Antarctica increases, and soil habitats are altered in response to climate change, our current understanding of the environmental parameters associated with the biogeography of Antarctic nematofauna will be crucial to monitoring and possibly mitigating changes to these unique soil ecosystems.

  5. British and American attitudes toward credit cards.

    Science.gov (United States)

    Yang, Bijou; James, Simon; Lester, David

    2006-04-01

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

  6. Analysis of an Organisation: A University of the Third Age (U3A), Mornington, Victoria

    Science.gov (United States)

    Small, Michael

    2017-01-01

    The purpose of this paper is two fold: to look at Mornington U3A in organisational terms and then look at U3AM as a loosely coupled system. One outcome of the study would be to undertake further analyses of U3As in Victoria to determine the levels of bureaucracy under which each operates. Questions to be asked: are U3As in Victoria operating as…

  7. Credits

    OpenAIRE

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    2015-01-01

    Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia FluminenseReitorLuiz Augusto Caldas PereiraPró-Reitor de EnsinoCarlos Márcio LimaPró-Reitor de Pesquisa e InovaçãoJosé Augusto Ferreira da SilvaPró-Reitora de ExtensãoPaula Aparecida Martins Borges BastosPró-Reitora de Desenvolvimento InstitucionalAna Lúcia CampinhoCoordenadora da Essentia EditoraKíssila da Conceição RibeiroConselho EditorialConselho ConsultivoDesiely Sil...

  8. Credits

    OpenAIRE

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    2012-01-01

    Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitora Cibele Daher Botelho Monteiro Pró-Reitora de Ensino Fabíola de Amério Ney Silva Pró-Reitor de Pesquisa e Inovação Hélio Gomes Filho Pró-Reitor de Extensão Eugênio Ferreira Naegele da Silva Pró-Reitor de Desenvolvimento Institucional Guiomar do Rosário Valdez Editora-chefe Inez Barcellos de AndradeCoordenação Editorial do Boletim Maria Inês Paes Ferreira...

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    Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitor Luiz Augusto Caldas Pereira Pró-Reitor de Ensino Carlos Márcio Lima Pró-Reitor de Pesquisa e Inovação José Augusto Ferreira da Silva Pró-Reitora de Extensão Paula Aparecida Martins Borges Bastos Pró-Reitora de Desenvolvimento Institucional Ana Lúcia Campinho Coordenadora da Essentia Editora Kíssila da Conceição Ribeiro Conselho Editorial Conselho Consu...

  10. Credits

    OpenAIRE

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    Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitor Luiz Augusto Caldas Pereira Pró-Reitor de Ensino Carlos Márcio Lima Pró-Reitor de Pesquisa e Inovação José Augusto Ferreira da Silva Pró-Reitora de Extensão Paula Aparecida Martins Borges BastosEditora-Chefe Inez Barcellos de Andrade Coordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Edinalda Almeida da Silv...

  11. Credits

    OpenAIRE

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    Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia FluminenseReitorLuiz Augusto Caldas PereiraPró-Reitor de EnsinoCarlos Márcio LimaPró-Reitor de Pesquisa e InovaçãoJosé Augusto Ferreira da SilvaPró-Reitora de ExtensãoPaula Aparecida Martins Borges BastosPró-Reitora de Desenvolvimento InstitucionalAna Lúcia CampinhoEditora-chefeKíssila da Conceição RibeiroConselho EditorialConselho ConsultivoDesiely Silva GusmãoEdinalda M...

  12. Credits

    OpenAIRE

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    Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitora Cibele Daher Botelho Monteiro Pró-Reitora de Ensino Fabíola de Amério Ney Silva Pró-Reitor de Pesquisa e Inovação Hélio Gomes Filho Pró-Reitor de Extensão Eugênio Ferreira Naegele da Silva Pró-Reitor de Desenvolvimento Institucional Roberto Moraes Pessanha Editora-chefe Inez Barcellos de AndradeCoordenação Editorial do Boletim Maria Inês Paes Ferreira ...

  13. Credits

    Directory of Open Access Journals (Sweden)

    . .

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    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitor Luiz Augusto Caldas Pereira Pró-Reitor de Ensino Carlos Márcio Lima Pró-Reitor de Pesquisa e Inovação José Augusto Ferreira da Silva Pró-Reitora de Extensão Paula Aparecida Martins Borges Bastos Pró-Reitora de Desenvolvimento Institucional Ana Lúcia Campinho Coordenadora da Essentia Editora Kíssila da Conceição Ribeiro Conselho Editorial Conselho Consultivo Desiely Silva GusmãoEdinalda Almeida da SilvaHelvia Pereira Pinto BastosInez Barcellos de AndradeJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTRodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Equipe Editorial Revisão de Língua Portuguesa Edson Carlos NascimentoIsabela Bastos de CarvalhoKíssila Ferreira de SouzaPriscila Matos MonkenRosângela Caldas Revisão de Língua Inglesa Hélvia Pereira Pinto Bastos Capa, Projeto Gráfico André da Silva Cruz Diagramação Cláudia Marcia Alves FerreiraMariana de Almeida Reis Revisão Técnica e Catalogação Inez Barcellos de Andrade Logotipo Marcos Antonio Esquef Maciel Dados de Catalogação na Publicação (CIP V567 Vértices / Instituto Federal de Educação, Ciência e Tecnologia Fluminense. -Vol.1, n. 1 (dez. 1997 - . - Campos dos Goytacazes (RJ: EssentiaEditora, 1997- QuadrimestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia -IF Fluminense a partir de jan.2009. ISSN 1415-2843 (versão impressaISSN 1809-2667 (versão eletrônica 1. Educação - Periódicos. I. Instituto Federal de Educação, Ciênciae Tecnologia Fluminense. CDD - 370.5 Revista Indexada em: Instituto Brasileiro em Ciência e Tecnologia/Sistema de Editoração Eletrônico de Revistas (IBICT/SEER Sistema Regional de Información en Línea para Revistas Científicasde América Latina, el Caribe, Espanã y Portugal (LATINDEX Directory Open Access Journals (DOAJ Revista filiada à: Associação Brasileira de Editores Científicos Tiragem: 1000 exemplaresImpressão: Impressoart Editora Gráfica Ltda. | Tel.: (41 3348-2728 A revista Vértices é uma publicação científica do Instituto Federal de Educação, Ciência e Tecnologia Fluminense. Os artigos assinados são de responsabilidade exclusiva dos autores e não expressam, necessariamente, a opinião do Conselho Editorial. É permitida a reprodução total ou parcial dos artigos desta revista, desde que citada a fonte.

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    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitor Luiz Augusto Caldas Pereira Pró-Reitor de Ensino Carlos Márcio Lima Pró-Reitor de Pesquisa e Inovação José Augusto Ferreira da Silva Pró-Reitora de Extensão Paula Aparecida Martins Borges Bastos Coordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Edinalda Almeida da SilvaHelvia Pereira Pinto BastosJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTRodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Organizadores deste número Maria Inês Paes FerreiraJader Lugon JuniorLuiz de Pinedo Quinto Júnior Bolsista de Iniciação Científica Camilla Cardoso da Costa Revisão de Língua Portuguesa e Inglesa Isabela Bastos de CarvalhoKissila Ferreira de SouzaPriscila Matos MonkenRosângela Caldas Projeto Gráfico André da Silva CruzEric Moreira Carvalho Diagramação Cláudia Marcia Alves FerreiraMariana de Almeida Reis Capa André da Silva Cruz Revisão Técnica e Catalogação Inez Barcellos de Andrade Dados de Catalogação na Publicação (CIP B688      Boletim do Observatório Ambiental Alberto Ribeiro Lamego / InstitutoFederal de Educação, Ciência e Tecnologia Fluminense.Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, no. 1(jan./jun. 2011 - .- Campos dos Goytacazes (RJ: Essentia Editora,2011- SemestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia - IF Fluminense apartir de 2009. ISSN versão impressa 1981-6197ISSN versão eletrônica 2177-4560 1. Engenharia ambiental. I. Instituto Federal de Educação, Ciência eTecnologia Fluminense. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplaresImpressão: Impressoart Editora Gráfica Ltda. | Tel.: (41 3348-2728

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    2012-07-01

    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitora Cibele Daher Botelho Monteiro Pró-Reitora de Ensino Fabíola de Amério Ney Silva Pró-Reitor de Pesquisa e Inovação Hélio Gomes Filho Pró-Reitor de Extensão Eugênio Ferreira Naegele da Silva Pró-Reitor de Desenvolvimento Institucional Guiomar do Rosário Valdez Editora-chefe Inez Barcellos de AndradeCoordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Edinalda Almeida da SilvaHelvia Pereira Pinto BastosJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTMiriam Fontelle (UNIFLU e UNESARodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Organizadores deste númeroMaria Inês Paes FerreiraJader Lugon JuniorLuiz de Pinedo Quinto JúniorBolsista de Iniciação CientíficaLeonardo Neves dos Santos Revisão de Língua Portuguesa e Inglesa Edson Carlos Nascimento Projeto Gráfico André da Silva CruzEric Moreira Carvalho Diagramação Diego Melo Gomes CapaAndré da Silva Cruz Revisão Técnica e Catalogação Inez Barcellos de AndradeMichele Siqueira Pessanha CopidesqueEdson Carlos Nascimento Dados de Catalogação na Publicação (CIP B688      Boletim do Observatório Ambiental Alberto Ribeiro Lamego / InstitutoFederal de Educação, Ciência e Tecnologia Fluminense.Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, no. 1(jan./jun. 2011 - .- Campos dos Goytacazes (RJ: Essentia Editora,2011- SemestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia - IF Fluminense apartir de 2009. ISSN versão impressa 1981-6197ISSN versão eletrônica 2177-4560 1. Engenharia ambiental. I. Instituto Federal de Educação, Ciência eTecnologia Fluminense. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplaresImpressão: Clicheria Cromos Ltda. | Tel.: (41 3021-5337

  16. Credits

    Directory of Open Access Journals (Sweden)

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    2015-02-01

    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia FluminenseReitorLuiz Augusto Caldas PereiraPró-Reitor de EnsinoCarlos Márcio LimaPró-Reitor de Pesquisa e InovaçãoJosé Augusto Ferreira da SilvaPró-Reitora de ExtensãoPaula Aparecida Martins Borges BastosPró-Reitora de Desenvolvimento InstitucionalAna Lúcia CampinhoCoordenadora da Essentia EditoraKíssila da Conceição RibeiroConselho EditorialConselho ConsultivoDesiely Silva GusmãoEdinalda Almeida da SilvaHelvia Pereira Pinto BastosInez Barcellos de AndradeJefferson Manhães de AzevedoKíssila da Conceição RibeiroLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes NeyAdalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTRodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFFEquipe EditorialRevisão de Língua PortuguesaEdson Carlos NascimentoDenise Rena HaddadRevisão de Língua InglesaHélvia Pereira Pinto BastosCapa, Projeto GráficoAndré da Silva CruzDiagramaçãoCláudia Marcia Alves FerreiraCatalogação e Revisão TécnicaHenrique Barreiros AlvesLogotipoMarcos Antonio Esquef MacielDados de Catalogação na Publicação (CIPV567 Vértices / Instituto Federal de Educação, Ciência e Tecnologia Fluminense. -Vol.1, n. 1 (dez. 1997 - . - Campos dos Goytacazes (RJ: EssentiaEditora, 1997-QuadrimestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia -IF Fluminense a partir de jan.2009.ISSN 1415-2843 (versão impressaISSN 1809-2667 (versão eletrônica1. Educação - Periódicos. I. Instituto Federal de Educação, Ciênciae Tecnologia Fluminense.CDD - 370.5Revista Indexada em:Instituto Brasileiro em Ciência e Tecnologia/Sistema de Editoração Eletrônico de Revistas (IBICT/SEERSistema Regional de Información en Línea para Revistas Científicasde América Latina, el Caribe, Espanã y Portugal (LATINDEXDirectory Open Access Journals (DOAJRevista filiada à:Associação Brasileira de Editores CientíficosTiragem: 1000 exemplaresImpressão: Globalprint Editora Gráfica LTDA-ME. | Tel.: (31 3198-1100A revista Vértices é uma publicação científica do Instituto Federal de Educação, Ciência e Tecnologia Fluminense.Os artigos assinados são de responsabilidade exclusiva dos autores e não expressam, necessariamente, a opinião do Conselho Editorial.É permitida a reprodução total ou parcial dos artigos desta revista, desde que citada a fonte.

  17. Credits

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    2015-05-01

    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia FluminenseReitorLuiz Augusto Caldas PereiraPró-Reitor de EnsinoCarlos Márcio LimaPró-Reitor de Pesquisa e InovaçãoJosé Augusto Ferreira da SilvaPró-Reitora de ExtensãoPaula Aparecida Martins Borges BastosPró-Reitora de Desenvolvimento InstitucionalAna Lúcia CampinhoEditora-chefeKíssila da Conceição RibeiroConselho EditorialConselho ConsultivoDesiely Silva GusmãoEdinalda Maria Almeida da SilvaHelvia Pereira Pinto BastosInez Barcellos de AndradeJefferson Manhães de AzevedoKíssila da Conceição RibeiroLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes NeyAdalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTRodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFFEquipe EditorialRevisão de Língua PortuguesaEdson Carlos NascimentoDenise Rena HaddadRevisão de Língua InglesaHélvia Pereira Pinto BastosCapa, Projeto GráficoAndré da Silva CruzDiagramaçãoCláudia Marcia Alves FerreiraCatalogação e Revisão TécnicaHenrique Barreiros AlvesLogotipoMarcos Antonio Esquef MacielDados de Catalogação na Publicação (CIPV567 Vértices / Instituto Federal de Educação, Ciência e Tecnologia Fluminense. -Vol.1, n. 1 (dez. 1997 - . - Campos dos Goytacazes (RJ: EssentiaEditora, 1997-QuadrimestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia -IF Fluminense a partir de jan.2009.ISSN 1415-2843 (versão impressaISSN 1809-2667 (versão eletrônica1. Educação - Periódicos. I. Instituto Federal de Educação, Ciênciae Tecnologia Fluminense.CDD - 370.5Revista Indexada em:Instituto Brasileiro em Ciência e Tecnologia/Sistema de Editoração Eletrônico de Revistas (IBICT/SEERSistema Regional de Información en Línea para Revistas Científicasde América Latina, el Caribe, Espanã y Portugal (LATINDEXDirectory Open Access Journals (DOAJRevista filiada à:Associação Brasileira de Editores CientíficosTiragem: 1000 exemplaresImpressão: Globalprint Editora Gráfica LTDA-ME. | Tel.: (31 3198-1100A revista Vértices é uma publicação científica do Instituto Federal de Educação, Ciência e Tecnologia Fluminense.Os artigos assinados são de responsabilidade exclusiva dos autores e não expressam, necessariamente, a opinião do Conselho Editorial.É permitida a reprodução total ou parcial dos artigos desta revista, desde que citada a fonte.

  18. Credits

    Directory of Open Access Journals (Sweden)

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    2013-09-01

    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitor Luiz Augusto Caldas Pereira Pró-Reitor de Ensino Carlos Márcio Lima Pró-Reitor de Pesquisa e Inovação José Augusto Ferreira da Silva Pró-Reitora de Extensão Paula Aparecida Martins Borges Bastos Editora-Chefe Inez Barcellos de AndradeCoordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Edinalda Almeida da SilvaHelvia Pereira Pinto BastosJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTRodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Organizadores deste númeroMaria Inês Paes FerreiraJader Lugon JuniorLuiz de Pinedo Quinto JúniorBolsista de Iniciação CientíficaCamilla Cardoso da Costa Revisão de Língua Portuguesa e Inglesa Edson Carlos NascimentoIsabela Bastos de CarvalhoKissila Ferreira de SouzaPriscila Matos MonkenRosângela Caldas Projeto Gráfico André da Silva CruzEric Moreira Carvalho Diagramação Cláudia Marcia Alves FerreiraFernando de Prado Matos BettencourtMariana de Almeida Reis CapaAndré da Silva Cruz Revisão Técnica e Catalogação Inez Barcellos de Andrade Dados de Catalogação na Publicação (CIP B688      Boletim do Observatório Ambiental Alberto Ribeiro Lamego / InstitutoFederal de Educação, Ciência e Tecnologia Fluminense.Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, no. 1(jan./jun. 1998 - .- Campos dos Goytacazes (RJ: Essentia Editora,1998- SemestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia - IF Fluminense apartir de 2009. ISSN versão impressa 1981-6197ISSN versão eletrônica 2177-4560 1. Engenharia ambiental. I. Instituto Federal de Educação, Ciência eTecnologia Fluminense. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplaresImpressão: Impressoart Editora Gráfica Ltda. | Tel.: (41 3348-2728

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    Directory of Open Access Journals (Sweden)

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    2013-07-01

    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitor Luiz Augusto Caldas Pereira Pró-Reitor de Ensino Carlos Márcio Lima Pró-Reitor de Pesquisa e Inovação José Augusto Ferreira da Silva Pró-Reitora de Extensão Paula Aparecida Martins Borges BastosEditora-Chefe Inez Barcellos de Andrade Coordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Edinalda Almeida da SilvaHelvia Pereira Pinto BastosJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTMiriam Fontelle (UNIFLU e UNESARodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Organizadores deste númeroMaria Inês Paes FerreiraJader Lugon JuniorLuiz de Pinedo Quinto JúniorBolsista de Iniciação CientíficaCamilla Cardoso da Costa Revisão de Língua Portuguesa e Inglesa Edson Carlos NascimentoIsabela Bastos de CarvalhoKissila Ferreira de SouzaPriscila Matos MonkenRosângela Caldas Projeto Gráfico André da Silva CruzEric Moreira Carvalho Diagramação Cláudia Marcia Alves FerreiraFernando Prado de Matos BettencourtMariana de Almeida Reis CapaAndré da Silva Cruz Revisão Técnica e Catalogação Inez Barcellos de Andrade Dados de Catalogação na Publicação (CIP B688      Boletim do Observatório Ambiental Alberto Ribeiro Lamego / InstitutoFederal de Educação, Ciência e Tecnologia Fluminense.Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, no. 1(jan./jun. 2011 - .- Campos dos Goytacazes (RJ: Essentia Editora,2011- SemestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia - IF Fluminense apartir de 2009. ISSN versão impressa 1981-6197ISSN versão eletrônica 2177-4560 1. Engenharia ambiental. I. Instituto Federal de Educação, Ciência eTecnologia Fluminense. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplares Impressão: Meneghitti's Gráfica e Editora Ltda. | Tel.: (21 2136-6999

  20. Credits

    Directory of Open Access Journals (Sweden)

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    2010-05-01

    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitora Cibele Daher Botelho Monteiro Pró-Reitora de Ensino Fabíola de Amério Ney Silva Pró-Reitor de Pesquisa e Inovação Hélio Gomes Filho Pró-Reitor de Extensão Eugênio Ferreira Naegele da Silva Pró-Reitor de Desenvolvimento Institucional Roberto Moraes Pessanha Editora-chefe Inez Barcellos de AndradeCoordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Desiely Silva GusmãoEdinalda Almeida da SilvaHelvia Pereira Pinto BastosInez Barcellos de AndradeJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTMiriam Fontelle (UNIFLU e UNESARodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Apoio TécnicoCarlos David PascoDenia Cristina da Silva BarretoGisele Carvalho da Silva Costa Nogueira Bolsista de Iniciação CientíficaJáder da Mota SiqueiraJúlio Fontoura Gonçalves de LimaSamara Melo RodriguesWanessa Alves Duarte Revisão de Texto Edinalda Maria Almeida da SilvaVania Cristina Alexandrino Bernardo Projeto Gráfico André da Silva CruzEric Moreira Carvalho Diagramação Diego Melo Gomes CapaAndré da Silva Cruz Revisão Técnica Inez Barcellos de Andrade CopidesqueCláudia de Souza CaetanoCatalogação Inez Barcellos de Andrade Dados de Catalogação na Publicação (CIPB688 Boletim do Observatório Ambiental Alberto Ribeiro Lamego / InstitutoFederal de Educação, Ciência e Tecnologia Fluminense.Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, no. 1(jan./jun. 2007 - .- Campos dos Goytacazes (RJ: Essentia Editora,2007- SemestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia - IF Fluminense apartir de 2009. ISSN versão impressa 1981-6197ISSN versão eletrônica 2177-4560 1. Engenharia ambiental. I. Instituto Federal de Educação, Ciência eTecnologia Fluminense. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplaresImpressão: Borzan Indústria Gráfica | Tel.: (22 3211-9274

  1. Credits

    Directory of Open Access Journals (Sweden)

    - -

    2013-01-01

    Full Text Available Ministério da EducaçãoSecretaria de Educação Profissional e TecnológicaInstituto Federal de Educação, Ciência e Tecnologia Fluminense Reitor Luiz Augusto Caldas Pereira Pró-Reitor de Ensino Carlos Márcio Lima Pró-Reitor de Pesquisa e Inovação José Augusto Ferreira da Silva Pró-Reitora de Extensão Paula Aparecida Martins Borges BastosEditora-Chefe Inez Barcellos de Andrade Coordenação Editorial do Boletim Maria Inês Paes Ferreira Conselho Editorial Conselho Consultivo Edinalda Almeida da SilvaHelvia Pereira Pinto BastosJefferson Manhães de AzevedoLuiz de Pinedo Quinto JuniorMaria Amelia Ayd CorrêaMaria Inês Paes FerreiraPedro de Azevedo Castelo BrancoRegina Coeli Martins AquinoRogério Atem de CarvalhoRomeu e Silva NetoSaid Sérgio Martins AuattSalvador TavaresSergio VasconcelosSilvia Lúcia dos Santos BarretoSynthio Vieira de AlmeidaVania Cristina Alexandrino BernardoVicente de Paulo Santos OliveiraWander Gomes Ney Adalberto Cardoso (IESP/UERJAntonio Carlos Secchin (UFRJAntônio José da Silva Neto (IPRJ/UERJAsterio Kiyoshi Tanaka (UNIRIO e UFRJErica Maria Pellegrini Caramaschi (UFRJFernando Benedicto Mainier (UFFFernando Pruski (UFVFrancisco de Assis Esteves (UFRJGaudêncio Frigotto (UFFHamilton Jorge de Azevedo (UFRRJHelder Gomes Costa (UFFIná Elias de Castro (UFRJJader Lugon Junior (IFF/UERJ/SENAIJanete Bolite Frant (UNIBANJosé Abdallah Helayël-Neto (CBPF/MCTMiriam Fontelle (UNIFLU e UNESARodrigo Valente Serra (ANPRonaldo Pinheiro da Rocha Paranhos (UENFSérgio Arruda de Moura (UENFVera Lucia Marques da Silva (FBPNVirgínia Maria Gomes de Mattos Fontes (UFF Organizadores deste númeroMaria Inês Paes FerreiraJader Lugon JuniorLuiz de Pinedo Quinto JúniorLuiz Felipe Umbelino dos SantosBolsista de Iniciação CientíficaCamilla Cardoso da Costa Revisão de Língua Portuguesa e Inglesa Edson Carlos Nascimento Projeto Gráfico André da Silva CruzEric Moreira Carvalho Diagramação Cláudia Marcia Alves FerreiraDiego Melo Gomes CapaAndré da Silva Cruz Revisão Técnica e Catalogação Inez Barcellos de Andrade CopidesqueEdson Carlos NascimentoDados de Catalogação na Publicação (CIP B688      Boletim do Observatório Ambiental Alberto Ribeiro Lamego / InstitutoFederal de Educação, Ciência e Tecnologia Fluminense.Observatório Ambiental Alberto Ribeiro Lamego. - Vol. 1, no. 1(jan./jun. 2011 - .- Campos dos Goytacazes (RJ: Essentia Editora,2011- SemestralCentro Federal de Educação Tecnológica de Campos - CEFET Camposaté 2008. Instituto Federal de Educação, Ciência e Tecnologia - IF Fluminense apartir de 2009. ISSN versão impressa 1981-6197ISSN versão eletrônica 2177-4560 1. Engenharia ambiental. I. Instituto Federal de Educação, Ciência eTecnologia Fluminense. II. Observatório Ambiental Alberto Ribeiro Lamego. CDD - 628 Tiragem: 1000 exemplaresImpressão: Meneghitti's Gráfica e Editora Ltda. | Tel.: (21 2136-6999

  2. Sensitivity analysis of the GNSS derived Victoria plate motion

    Science.gov (United States)

    Apolinário, João; Fernandes, Rui; Bos, Machiel

    2014-05-01

    Fernandes et al. (2013) estimated the angular velocity of the Victoria tectonic block from geodetic data (GNSS derived velocities) only.. GNSS observations are sparse in this region and it is therefore of the utmost importance to use the available data (5 sites) in the most optimal way. Unfortunately, the existing time-series were/are affected by missing data and offsets. In addition, some time-series were close to the considered minimal threshold value to compute one reliable velocity solution: 2.5-3.0 years. In this research, we focus on the sensitivity of the derived angular velocity to changes in the data (longer data-span for some stations) by extending the used data-span: Fernandes et al. (2013) used data until September 2011. We also investigate the effect of adding other stations to the solution, which is now possible since more stations became available in the region. In addition, we study if the conventional power-law plus white noise model is indeed the best stochastic model. In this respect, we apply different noise models using HECTOR (Bos et al. (2013), which can use different noise models and estimate offsets and seasonal signals simultaneously. The seasonal signal estimation is also other important parameter, since the time-series are rather short or have large data spans at some stations, which implies that the seasonal signals still can have some effect on the estimated trends as shown by Blewitt and Lavellee (2002) and Bos et al. (2010). We also quantify the magnitude of such differences in the estimation of the secular velocity and their effect in the derived angular velocity. Concerning the offsets, we investigate how they can, detected and undetected, influence the estimated plate motion. The time of offsets has been determined by visual inspection of the time-series. The influence of undetected offsets has been done by adding small synthetic random walk signals that are too small to be detected visually but might have an effect on the

  3. Repossession and the Democratization of Credit

    OpenAIRE

    Assunção,Juliano J.; Efraim Benmelech; Fernando S. S. Silva

    2014-01-01

    We exploit a 2004 credit reform in Brazil that simplified the sale of repossessed cars used as collateral for auto loans. We show that the reform expanded credit to riskier, self-employed borrowers who purchased newer, more expensive cars. The legal change has led to larger loans with lower spreads and longer maturities. Although the credit reform improved riskier borrowers' access to credit, it also led to increased incidences of delinquency and default. Our results shed light on the consequ...

  4. Credit Card Usage and Knowledge in Thailand

    OpenAIRE

    Sangsutisearee, Wanna

    1993-01-01

    This study was conducted to determine the relationship between the characteristics of credit card holders and the extent of credit card usage, the level of credit card knowledge, and the consumer's choice perspectives. The characteristics of credit card holders studied were (a) gender, (b) age, (c) marital status, (d) education, (e) income, and (f) occupation. Data for this study were collected in Bangkok, Thailand by telephone interviews during July- August 1993. The sample consisted of 1...

  5. Rock Glaciers in the Upper Basin of Bermejo River, Santa Victoria, Argentina

    Science.gov (United States)

    Ahumada, A. L.; Íbáñez Palacios, G. P.; Toledo, M. A.; Páez, S. V.

    2013-05-01

    The Bermejo River is an international basin in the Tropical Andes, Santa Victoria range. The Santa Victoria range extend in N-S sense (22°08' and 23°00' South latitude between 65° and 65°30' West longitude). It maxim height is about 5.055 m s.n.m. and it average height is 3000 m s.n.m. There have been localize intact rock glaciers (active and inactive) and relict. The rock glaciers are frozen water reservoir and regulate the water regime in the high mountain over the world. The global warming effects have been express in this region with average annual air temperatures in increase: The series of temperatures of La Quiaca weather station, years 1911-2010, shows an increase about 1° C (from 9,14° C to 10,08° C) since 70' decade to actuality. This study aims to contribute to the survey of intact rock glaciers and the suite of accompanying landforms. The geographic identification and location of rock glaciers have made through the interpretation of aerial photographs and LandSat 7 and Aster Images in comparison with Google Earth using GIS and visual interpretation technics. This information has controlled with fieldwork in several campaigns. The rock glaciers are classified (in base of it activity) in actives, inactives and relict. The first and the second class were grouped in a category called intact rock glaciers for simplify it identification. The unified categories are water-storing. In the fieldwork have determinated the following aspects: 1- Active processes determination (needle ice, lenticular ice formation, etc.) and its sedimentary products: sucrose structure, inverted gradation, extrusion, open work gravels. 2- Location and geomorphologic measurement of rock glaciers and periglacial forms. There are identified 318 intact rock glaciers in high basin of Bermejo river, Sub-basins Condado river, Los Toldos-Lipeo river and Iruya river, Santa Victoria range. The actives rock glaciers, indicators of discontinuous permafrost, are installed from 4300 m s

  6. Credit in Acceptance Sampling on Attributes

    NARCIS (Netherlands)

    Klaassen, Chris A.J.

    2000-01-01

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

  7. 12 CFR 1408.15 - Credit report.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Credit report. 1408.15 Section 1408.15 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION COLLECTION OF CLAIMS OWED THE UNITED STATES Administrative Collection of Claims § 1408.15 Credit report. In order to aid the Corporation in making...

  8. 7 CFR 3565.211 - Interest credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Interest credit. 3565.211 Section 3565.211... AGRICULTURE GUARANTEED RURAL RENTAL HOUSING PROGRAM Loan Requirements § 3565.211 Interest credit. (a... assistance in the form of interest credit, to the extent necessary to reduce the agreed-upon rate of interest...

  9. 27 CFR 46.223 - Tax credit.

    Science.gov (United States)

    2010-04-01

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

  10. 48 CFR 2132.607 - Tax credit.

    Science.gov (United States)

    2010-10-01

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

  11. 12 CFR 608.815 - Credit report.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Credit report. 608.815 Section 608.815 Banks and Banking FARM CREDIT ADMINISTRATION ADMINISTRATIVE PROVISIONS COLLECTION OF CLAIMS OWED THE UNITED STATES Administrative Collection of Claims § 608.815 Credit report. In order to aid the FCA in making...

  12. 32 CFR 644.546 - Credit.

    Science.gov (United States)

    2010-07-01

    ... 32 National Defense 4 2010-07-01 2010-07-01 true Credit. 644.546 Section 644.546 National Defense... Disposal Sale Procedure § 644.546 Credit. Payment of the purchase price over an extended period of time... interest to extend credit. Prior to offering property for sale on an extended payment plan basis, approval...

  13. 48 CFR 1632.607 - Tax credit.

    Science.gov (United States)

    2010-10-01

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

  14. Consumer Credit: Evidence from Italian Micro Data

    NARCIS (Netherlands)

    Hochguertel, S.; Alessie, R.; Weber, G.

    2005-01-01

    In this paper we analyse unique data on credit applications received by the leading provider of consumer credit in Italy (Findomestic). The data set covers a five-year period (1995-1999) during which the consumer credit market rapidly expanded in Italy and a new law (the usury law) came into force

  15. Assessment of spatial rainfall variability in Lake Victoria Basin

    Science.gov (United States)

    Kizza, M.; Westerberg, I.; Rodhe, A.; Ntale, H. K.

    2011-12-01

    A gridded monthly rainfall dataset having a spatial resolution of 2 km and covering the period 1960-2004 was derived for the Lake Victoria basin. Such a dataset is useful for hydrological modelling aimed at resource utilisation and for estimation of catchment inflow to Lake Victoria. The lake and its basin support more than 30 million people and also contribute substantially to the River Nile flow. The major challenge in analysing the lake water balance is the estimation of the rainfall over the lake which is complicated by the varying quality and spatial coverage of rain-gauge data in the basin. In this study we addressed these problems by using satellite-derived precipitation data from two products and rain-gauge data for 362 stations around the basin to derive a monthly precipitation dataset for the entire basin, including the lake. First, the rain-gauge data were quality controlled; resulting in a rejection of 13% of the stations while 12% needed corrective actions. These results emphasise the importance of a systematic quality control of rain-guage data in this region. Thereafter we filled short gaps in the daily data series which resulted in 9,429 additional months of data. Two interpolation methods were then assessed for spatial interpolation and the universal kriging method performed slightly better than the inverse distance weighting method. The rainfall patterns in the interpolated dataset were shown to be consistent with the spatial and temporal patterns expected at the large scale as a result of the climate variability in the basin. The key problem of how to account for the enhancement of rainfall over the lake surface because of the lake-land thermal contrasts was addressed by estimating a relationship between rain-gauge and satellite data. Two satellite rainfall products, TRMM 3B43 and PERSIANN were compared to the interpolated monthly rain-gauge data for the land part of the basin. The bias in the TRMM 3B43 rainfall estimates was higher than the bias

  16. Credit Hours with No Set Time: A Study of Credit Policies in Asynchronous Online Education

    Science.gov (United States)

    Prasuhn, Frederick Carl

    2014-01-01

    U.S. public university system policies were examined to learn how credit hours were determined for asynchronous online education. Findings indicated that (a) credit hour meaning and use are not consistent, (b) primary responsibility for credit hour decisions was at the local level, and (c) no policies exist to guide credit hour application for…

  17. 75 FR 17083 - Fiduciary Duties at Federal Credit Unions; Mergers and Conversions of Insured Credit Unions...

    Science.gov (United States)

    2010-04-05

    ... From the Federal Register Online via the Government Publishing Office NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Parts 701, 708a, and 708b Fiduciary Duties at Federal Credit Unions; Mergers and Conversions of Insured Credit Unions; Correction AGENCY: National Credit Union Administration. ACTION: Notice...

  18. Trade Credit Terms and Credit Practices of Selected Firms in Accra ...

    African Journals Online (AJOL)

    Management of trade credit has been observed to be problematic for Finance Managers because the credit offered affects sales, profits, and cash flow position of a firm. The study was conducted to analyse the trade credit terms and credit collection practices of 96 firms in the Accra-Tema Metropolis. Questionnaires were ...

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

    Science.gov (United States)

    McCall, Michael; Eckrich, Donald W

    2006-06-01

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

  20. Stratigraphic relations of australites in the Port Campbell embayment, Victoria

    Science.gov (United States)

    Shoemaker, Eugene M.; Uhlherr, H. Ralph

    1999-05-01

    In the Port Campbell Embayment of Victoria, australites have been found in situ in channel deposits of the Hanson Plain Sand of Pliocene and Pleistocene age. The large majority of the australites, however, occur as a lag deposit at the basal contact of the Sturgess Sand of late Pleistocene and Holocene age and are spatially correlated with ferruginous sandstone clasts that are derived from the Hanson Plain Sand. Some of the tektites are imbedded in or bonded to the ferruginous sandstone clasts, but most are found as individual tektite fragments. A few percent of the tektites have nearly perfectly preserved, complete aerodynamically shaped forms. The sandstone clasts and associated tektites have been reworked from the much older underlying Hanson Plain and have been locally concentrated in the lag deposit. Some tektites also occur at higher levels in the Sturgess Sand, almost invariably in association with stone flakes, exotic stones transported by the aborigines, and, locally, with middens of mollusc shells. Circumstantial evidence indicates that the aborigines transported the tektites found in the upper part of the Sturgess, particularly at Stanhope Bay. As Port Campbell australites unequivocally occur in strata much older than the late Pleistocene and Holocene Sturgess, there is no longer any conflict between the apparent stratigraphic age of the tektites and the middle Pleistocene ages obtained by various chronometric methods.

  1. The bone microstructure of polar "hypsilophodontid" dinosaurs from Victoria, Australia.

    Science.gov (United States)

    Woodward, Holly N; Rich, Thomas H; Vickers-Rich, Patricia

    2018-01-18

    High-latitude (i.e., "polar") Mesozoic fauna endured months of twilight and relatively low mean annual temperatures. Yet non-avian dinosaurs flourished in this taxing environment. Fossils of basal ornithopod dinosaurs ("hypsilophodontids") are common in the Early Cretaceous high-latitude sediments of Victoria, Australia, and four taxa have been described; although their ontogenetic histories are largely unexplored. In the present study, eighteen tibiae and femora were utilized in the first multi-specimen ontogenetic histological analysis of Australian polar hypsilophodontids. The sample consists of eleven individuals from the Flat Rocks locality (Late Valanginian or Barremian), and five from the Dinosaur Cove locality (Albian). In both groups, growth was most rapid during the first three years, and skeletal maturity occurred between five and seven years. There is a weak asymptotic trend in a plot of growth mark count versus femur length, with considerable individual variation. Histology suggests two genera are present within the Dinosaur Cove sample, but bone microstructure alone could not distinguish genera within the Flat Rocks sample, or across the two geologically separate (~ 26 Ma) localities. Additional histologic sampling, combined with morphological analyses, may facilitate further differentiation between ontogenetic, individual, and species variation.

  2. Diversity of soil yeasts isolated from South Victoria Land, Antarctica

    Science.gov (United States)

    Connell, L.; Redman, R.; Craig, S.; Scorzetti, G.; Iszard, M.; Rodriguez, R.

    2008-01-01

    Unicellular fungi, commonly referred to as yeasts, were found to be components of the culturable soil fungal population in Taylor Valley, Mt. Discovery, Wright Valley, and two mountain peaks of South Victoria Land, Antarctica. Samples were taken from sites spanning a diversity of soil habitats that were not directly associated with vertebrate activity. A large proportion of yeasts isolated in this study were basidiomycetous species (89%), of which 43% may represent undescribed species, demonstrating that culturable yeasts remain incompletely described in these polar desert soils. Cryptococcus species represented the most often isolated genus (33%) followed by Leucosporidium (22%). Principle component analysis and multiple linear regression using stepwise selection was used to model the relation between abiotic variables (principle component 1 and principle component 2 scores) and yeast biodiversity (the number of species present at a given site). These analyses identified soil pH and electrical conductivity as significant predictors of yeast biodiversity. Species-specific PCR primers were designed to rapidly discriminate among the Dioszegia and Leucosporidium species collected in this study. ?? 2008 Springer Science+Business Media, LLC.

  3. A Network Model of Credit Risk Contagion

    Directory of Open Access Journals (Sweden)

    Ting-Qiang Chen

    2012-01-01

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

  4. CARDHOLDERS' ATTITUDE AND BANK CREDIT CARD USAGE IN MALAYSIA: AN EXPLORATORY STUDY

    Directory of Open Access Journals (Sweden)

    Aizzat Mohd. Nasurdin

    2002-01-01

    Full Text Available The study is aimed at validating attributes that influence the differences in attitudes among active and inactive cardholders. By focusing on relevant attributes that have been identified, it is believed that credit card issuing banks can position themselves effectively via their marketing strategies to activate their existing cardholders' usage rate as well as to attract new active cardholders. Thirteen important attributes were used to measure credit cardholders' attitude. These attributes include acceptance level, credit limit, interest-free repayment period, annual fee, application approval period, ancillary functions, handling of cardholders' complaints, issuing bank image, gift/bonus to new applicants, card design, leaflet to describe the card,and advertising by the issuing bank. Acceptance level, credit limit, interest free repayment period, ancillary functions, handling of cardholders' complaints, bank image, and bank advertising were found to be the most important attributes that influenced cardholders' attitudes in distinguishing active from inactive cardholders. Based on the results of the study, several suggestions are forwarded to credit card issuing banks as a step to stimulate credit cardholders' usage level. Among these are to work closer with various retailers to promote the credit card payment mode, to provide adequate credit limit to cardholders, to extend interest free repayment period from 20 days to 30 days, to implement strategic alliances with firms involved in travelling, entertainment, insurance, and telecommunications and, to advertise more so as to create a brand name for the issuing bank.

  5. Internal controls and credit risk relationship among banks in Europe

    Directory of Open Access Journals (Sweden)

    Ellis Kofi Akwaa-Sekyi

    2017-01-01

    Full Text Available Purpose: The study purport to investigate the effectiveness of internal control mechanisms, investigate whether evidence of agency problem is found among banks in Europe and determine how internal controls affect credit risk. Design/methodology/approach: Panel data from 91 banks from 23 European Union countries were studied from 2008-2014. Hausman’s specification test suggest the use of fixed effects estimation technique of GLS. Quantitatively modelled data on 15 variables covering elements of internal controls, objectives of internal controls, agency problem, bank and country specific variables were used. Findings: There is still high credit risk in spite of measures being implemented by the European Central Bank. Banks have individual entity factors that increase or decrease credit risk. The study finds effective internal control systems because objectives of internal controls are achieved and significantly determine credit risk. Agency problem is confirmed due to significant positive relation with credit risk. There is significant effect of internal controls on credit risk with specific variables as risk assessment, return on average risk weighted assets, institutional ownership, bank size, inflation, interest rate and GDP. Research limitations/implications: Missing data prevented the use of strongly balanced panel. The lack of flexibility with using quantitative approach did not allow further scrutiny of the nature of variables. However, statistical tests were acceptable for the model used. The study has implications for management and owners of banks to be warry of agency problem because that provides incentive for reckless high risk transactions that may benefit the agent than the principal. Management must engage in actions that profile the company better and enhances value maximization. Rising default risk has tendency to impair corporate image leading to loss of reputational capital. Originality/value: The study provides the use of

  6. PRE-CONTRACTUAL INFORMATION IN CREDIT AGREEMENTS FOR CONSUMERS

    Directory of Open Access Journals (Sweden)

    Mihaela-Irina IONESCU

    2015-07-01

    Full Text Available The article provides an image to the point on information provided to consumers before the conclusion of a credit contract, starting with the importance of information and ending with the legal framework. A high consumer protection may be achieved primarily through consumer information. The complexity of banking services but also the vulnerability of consumers in relation to the banks and the unbalanced relationship led to the need to develop specific legislation that clearly establishes the rights and obligations of the parties of a credit agreement for consumers. In this regard, in 2008, after many debates, Directive 2008/48/EC of the European Parliament and of the Council on credit agreements for consumers was adopted. At national level, the Directive was transposed by the Government Emergency Ordinance no. 50/2010 on credit agreements for consumers. Taking into account national specificities, such as lack of experience of consumers in financial products, the irresponsible lending and the unfair practices of creditors, the national act includes wider provisions than the European Directive, such as those relating to fees limitations or those related to the calculation of the variable interest rate. Also the GEO no 50/2010 applies to all credit agreements concluded by consumers and creditors. As regards the advertising, any advertisement shall include a series of standard information. Also, pre-contractual information is standard information, is provided to consumers 15 days before the contract is concluded and is transmitted through the “European Consumer Credit Information sheet Standard”. The article presents when, how and what information should be given to consumers and insists on the importance of annual percentage rate and to what consumers should pay attention in order to be able to compare different offers.

  7. Flow structures and fluid transport for the hydromedusae Sarsia tubulosa and Aequorea victoria.

    Science.gov (United States)

    Lipinski, Doug; Mohseni, Kamran

    2009-08-01

    The flow structures produced by the hydromedusae Sarsia tubulosa and Aequorea victoria are examined using direct numerical simulation and Lagrangian coherent structures (LCS). Body motion of each hydromedusa is digitized and input to a CFD program. Sarsia tubulosa uses a jetting type of propulsion, emitting a single, strong, fast-moving vortex ring during each swimming cycle while a secondary vortex of opposite rotation remains trapped within the subumbrellar region. The ejected vortex is highly energetic and moves away from the hydromedusa very rapidly. Conversely, A. victoria, a paddling type hydromedusa, is found to draw fluid from the upper bell surface and eject this fluid in pairs of counter-rotating, slow-moving vortices near the bell margins. Unlike S. tubulosa, both vortices are ejected during the swimming cycle of A. victoria and linger in the tentacle region. In fact, we find that A. victoria and S. tubulosa swim with Strouhal numbers of 1.1 and 0.1, respectively. This means that vortices produced by A. victoria remain in the tentacle region roughly 10 times as long as those produced by S. tubulosa, which presents an excellent feeding opportunity during swimming for A. victoria. Finally, we examine the pressure on the interior bell surface of both hydromedusae and the velocity profile in the wake. We find that S. tubulosa produces very uniform pressure on the interior of the bell as well as a very uniform jet velocity across the velar opening. This type of swimming can be well approximated by a slug model, but A. victoria creates more complicated pressure and velocity profiles. We are also able to estimate the power output of S. tubulosa and find good agreement with other hydromedusan power outputs. All results are based on numerical simulations of the swimming jellyfish.

  8. Credit allocation for research institutes

    Science.gov (United States)

    Wang, J.-P.; Guo, Q.; Yang, K.; Han, J.-T.; Liu, J.-G.

    2017-05-01

    It is a challenging work to assess research performance of multiple institutes. Considering that it is unfair to average the credit to the institutes which is in the different order from a paper, in this paper, we present a credit allocation method (CAM) with a weighted order coefficient for multiple institutes. The results for the APS dataset with 18987 institutes show that top-ranked institutes obtained by the CAM method correspond to well-known universities or research labs with high reputation in physics. Moreover, we evaluate the performance of the CAM method when citation links are added or rewired randomly quantified by the Kendall's Tau and Jaccard index. The experimental results indicate that the CAM method has better performance in robustness compared with the total number of citations (TC) method and Shen's method. Finally, we give the first 20 Chinese universities in physics obtained by the CAM method. However, this method is valid for any other branch of sciences, not just for physics. The proposed method also provides universities and policy makers an effective tool to quantify and balance the academic performance of university.

  9. Characterising groundwater dynamics in Western Victoria, Australia using Menyanthes software

    Science.gov (United States)

    Woldeyohannes, Yohannes; Webb, John

    2010-05-01

    Water table across much of the western Victoria, Australia have been declining for at least the last 10-15 years, and this is attributed to the consistently low rainfall for these years, but over the same period of time there has been substantial change in land use, with grazing land replaced by cropping and tree plantations appearing in some areas. Hence, it is important to determine the relative effect the climate and land use factors on the water table changes. Monitoring changes in groundwater levels to climate variables and/or land use change is helpful in indicating the degree of threat faced to agricultural and public assets. The dynamics of the groundwater system in the western Victoria, mainly on the basalt plain, have been modelled to determine the climatic influence in water table fluctuations. In this study, a standardized computer package Menyanthes was used for quantifying the influence of climatic variables on the groundwater level, statistically estimating trends in groundwater levels and identify the properties that determine the dynamics of groundwater system. This method is optimized for use on hydrological problems and is based on the use of continuous time transfer function noise model, which estimates the Impulse response function of the system from the temporal correlation between time series of groundwater level and precipitation surplus. In this approach, the spatial differences in the groundwater system are determined by the system properties, while temporal variation is driven by the dynamics of the input into the system. 80 time series models are analysed and the model output parameter values characterized by their moments. The zero-order moment Mo of a distribution function is its area and M1 is related to the mean of the impulse response function. The relation is M1/Mo. It is a measure of the system's memory. It takes approximately 3 times the mean time (M1/Mo) for the effect of a shower to disappear completely from the system. Overall

  10. 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...

  11. 12 CFR 619.9020 - Agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit banks. 619.9020 Section 619.9020 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9020 Agricultural credit banks. Agricultural credit banks are those banks created by the merger of a Farm Credit...

  12. Evaluation of vehicle side airbag effectiveness in Victoria, Australia.

    Science.gov (United States)

    D'Elia, Angelo; Newstead, Stuart; Scully, Jim

    2013-05-01

    Side airbag systems were first introduced into vehicles around 1995 to help protect occupants from injury in side impact crashes. International studies have shown that side airbags are effective in reducing the risk of death and injury, however, serious injuries can still occur even when side airbags deploy. The objective of this study was to use detailed injury information from insurance injury compensation claims data linked to Police reported crash data to determine the effectiveness of side airbags in reducing the risk of death or injury for occupants involved in side impact crashes in Victoria, Australia based on the specific body regions that side airbag systems are designed to protect. It was found that head and torso-protecting dual airbag systems designed to protect the head, neck, face, chest and abdomen are highly effective in reducing driver death or injury due to near side crashes. They were associated with a statistically significant reduction of 41.1% (25.9%, 53.2%) in the odds of death or injury across all body regions; and a 48.0% (28.0%, 62.4%) reduction in the odds of death or injury to the head, neck, face, chest and abdomen. The study did not find any evidence that torso-protecting airbags alone are effective in reducing death or injury. Analysis results indicate that head and torso-protecting side airbag systems in vehicles are a highly effective technology for reducing the risk of death or injury to vehicle occupants in near side crashes. The magnitude of the injury reduction benefits estimated indicate that fitment of this technology to all vehicles should be a high priority and will yield significant savings in overall road trauma. Copyright © 2013 Elsevier Ltd. All rights reserved.

  13. Images

    Data.gov (United States)

    National Aeronautics and Space Administration — Images for the website main pages and all configurations. The upload and access points for the other images are: Website Template RSW images BSCW Images HIRENASD...

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

    Directory of Open Access Journals (Sweden)

    Daiva Jurevičienė

    2013-11-01

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

  15. 75 FR 17976 - WNC Tax Credits 38, LLC, WNC Tax Credits 39, LLC, WNC Housing Tax Credits Manager, LLC and WNC...

    Science.gov (United States)

    2010-04-08

    ... COMMISSION WNC Tax Credits 38, LLC, WNC Tax Credits 39, LLC, WNC Housing Tax Credits Manager, LLC and WNC... a ``Fund,'' and collectively, the ``Funds''), WNC Housing Tax Credits Manager, LLC (the ``Manager... for the low income housing tax credit under the Internal Revenue Code of 1986, as amended. The Manager...

  16. 76 FR 40946 - WNC Tax Credits 40, LLC, WNC Tax Credits 41, LLC, WNC Housing Tax Credits Manager 2, LLC, WNC...

    Science.gov (United States)

    2011-07-12

    ... COMMISSION WNC Tax Credits 40, LLC, WNC Tax Credits 41, LLC, WNC Housing Tax Credits Manager 2, LLC, WNC... for the low income housing tax credit under the Internal Revenue Code of 1986, as amended. The Manager... sections other than rule 38a-1 under the Act. Applicants: WNC Tax Credits 40, LLC (``Fund 40'') and WNC Tax...

  17. 12 CFR 614.4540 - Other financing institution access to Farm Credit Banks and agricultural credit banks for funding...

    Science.gov (United States)

    2010-01-01

    ... POLICIES AND OPERATIONS Farm Credit Bank and Agricultural Credit Bank Financing of Other Financing Institutions § 614.4540 Other financing institution access to Farm Credit Banks and agricultural credit banks..., discounts, and obtains other similar financial assistance from a Farm Credit Bank or agricultural credit...

  18. Development of Consumer Credit Laws in Malaysia

    OpenAIRE

    Rahman, Ahmad Saufi Abdul

    2007-01-01

    Consumer Credit is a branch of Commercial Law, which has been developing in recent years inMalaysia. The purpose of this paper is to summarize the latest amendments in the consumer credit laws inMalaysia and to highlight its significance. The discussion will be limited to the three most important laws ofconsumer credit in Malaysia: the hire-purchase, money lending and pawn broking laws.

  19. Improving Software Citation and Credit

    CERN Document Server

    Allen, Alice; DuPrie, Kimberly; Mink, Jessica; Nemiroff, Robert; Robitaille, Thomas; Shamir, Lior; Shortridge, Keith; Taylor, Mark; Teuben, Peter; Wallin, John

    2015-01-01

    The past year has seen movement on several fronts for improving software citation, including the Center for Open Science's Transparency and Openness Promotion (TOP) Guidelines, the Software Publishing Special Interest Group that was started at January's AAS meeting in Seattle at the request of that organization's Working Group on Astronomical Software, a Sloan-sponsored meeting at GitHub in San Francisco to begin work on a cohesive research software citation-enabling platform, the work of Force11 to "transform and improve" research communication, and WSSSPE's ongoing efforts that include software publication, citation, credit, and sustainability. Brief reports on these efforts were shared at the BoF, after which participants discussed ideas for improving software citation, generating a list of recommendations to the community of software authors, journal publishers, ADS, and research authors. The discussion, recommendations, and feedback will help form recommendations for software citation to those publishers...

  20. An endogenous model of the credit network

    Science.gov (United States)

    He, Jianmin; Sui, Xin; Li, Shouwei

    2016-01-01

    In this paper, an endogenous credit network model of firm-bank agents is constructed. The model describes the endogenous formation of firm-firm, firm-bank and bank-bank credit relationships. By means of simulations, the model is capable of showing some obvious similarities with empirical evidence found by other scholars: the upper-tail of firm size distribution can be well fitted with a power-law; the bank size distribution can be lognormally distributed with a power-law tail; the bank in-degrees of the interbank credit network as well as the firm-bank credit network fall into two-power-law distributions.

  1. THE COOPERATIVE CREDIT MUTUAL IN BRAZIL.

    Directory of Open Access Journals (Sweden)

    Laércio Baptista da Silva

    2013-06-01

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

  2. FACTORING- CREDIT OPPORTUNITIES IN ROMANIA

    Directory of Open Access Journals (Sweden)

    ADELA IONESCU

    2013-05-01

    Full Text Available Capital is the main factor of production, business development becomes virtually impossible without taking into account the financial market and the resources it provides to businesses. Any business, regardless of its degree of development, is involving direct contact with financial markets, namely the institutions that mediate mobilization of capital and the services they provide. Understanding the functioning of the financial system, the specific financial mechanisms through which savings are allocated to support capital investments and the costs and risks involved is essential for the development of a solid base for business. In this context, factoring operations can support economic agents, allowing a transfer of commercial receivables from their holder to a factor who commits to their recovery and guarantee such operations even if temporary or permanent insolvency of the debtor . Thus, factoring is a complex technique in at least two aspects, of the debt and the transfer of credit. . Factoring is a means of financing business, especially export-import transactions, less known in Romania. Maybe because of poor business environment popularize the term is as little known as it was a few years ago the leasing. Present in Romanian legislation since 2002, factoring appears as a contract between one party (called adherent, providing goods or service and a banking company or a financial institution specialized (called factor, which the last one shall finance debts pursuing and preservation against credit risks and adherent gives factor by way of sale, debts arising from the sale of goods or services to third parties. The article is divided into three parts. In the first part we defined the concept of factoring and international factoring, then I presented the advantages and development of factoring in Romania, and the last part conclusions.

  3. Marine research in the Latitudinal Gradient Project along Victoria Land, Antarctica

    Directory of Open Access Journals (Sweden)

    Paul Arthur Berkman

    2005-12-01

    Full Text Available This paper describes the conceptual framework of the Latitudinal Gradient Project that is being implemented by the New Zealand, Italian and United States Antarctic programmes along Victoria Land, Antarctica, from 72°S to 86°S. The purpose of this interdisciplinary research project is to assess the dynamics and coupling of marine and terrestrial ecosystems in relation to global climate variability. Preliminary data about the research cruises from the R/V “Italica” and R/V “Tangaroa” along the Victoria Land Coast in 2004 are presented. As a global climate barometer, this research along Victoria Land provides a unique framework for assessing latitudinal shifts in ‘sentinel’ environmental transition zones, where climate changes have an amplified impact on the phases of water.

  4. Chemodenitrification in the cryoecosystem of Lake Vida, Victoria Valley, Antarctica.

    Science.gov (United States)

    Ostrom, N E; Gandhi, H; Trubl, G; Murray, A E

    2016-11-01

    Lake Vida, in the Victoria Valley of East Antarctica, is frozen, yet harbors liquid brine (~20% salt, >6 times seawater) intercalated in the ice below 16 m. The brine has been isolated from the surface for several thousand years. The brine conditions (permanently dark, -13.4 °C, lack of O2 , and pH of 6.2) and geochemistry are highly unusual. For example, nitrous oxide (N2 O) is present at a concentration among the highest reported for an aquatic environment. Only a minor 17 O anomaly was observed in N2 O, indicating that this gas was predominantly formed in the lake. In contrast, the 17 O anomaly in nitrate (NO3-) in Lake Vida brine indicates that approximately half or more of the NO3- present is derived from atmospheric deposition. Lake Vida brine was incubated in the presence of 15 N-enriched substrates for 40 days. We did not detect microbial nitrification, dissimilatory reduction of NO3- to ammonium (NH4+), anaerobic ammonium oxidation, or denitrification of N2 O under the conditions tested. In the presence of 15 N-enriched nitrite (NO2-), both N2 and N2 O exhibited substantial 15 N enrichments; however, isotopic enrichment declined with time, which is unexpected. Additions of 15 N-NO2- alone and in the presence of HgCl2 and ZnCl2 to aged brine at -13 °C resulted in linear increases in the δ15 N of N2 O with time. As HgCl2 and ZnCl2 are effective biocides, we interpret N2 O production in the aged brine to be the result of chemodenitrification. With this understanding, we interpret our results from the field incubations as the result of chemodenitrification stimulated by the addition of 15 N-enriched NO2- and ZnCl2 and determined rates of N2 O and N2 production of 4.11-41.18 and 0.55-1.75 nmol L-1  day-1 , respectively. If these rates are representative of natural production, the current concentration of N2 O in Lake Vida could have been reached between 6 and 465 years. Thus, chemodenitrification alone is sufficient to explain the high levels of N2 O

  5. Stroke Incidence in Victoria, Australia—Emerging Improvements

    Directory of Open Access Journals (Sweden)

    Benjamin B. Clissold

    2017-05-01

    Full Text Available BackgroundEvidence of a decline in the incidence of stroke has emerged from population-based studies. These have included retrospective and prospective cohorts. However, in Australia and other countries, government bodies and stroke foundations predict a rise in the prevalence of stroke that is anticipated to increase the burden of stroke across the entire domain of care. This increase in prevalence must be viewed as different from the decline in incidence being observed, a measure of new stroke cases. In Victoria, all public emergency department visits and public and private hospital admissions are reported to the Department of Health and Human Services and include demographic, diagnostic, and procedural/treatment information.MethodsWe obtained data from financial years 1997/1998 to 2007/2008 inclusive, for all cases with a primary stroke diagnosis (ICD-10-AM categories with associated data fields. Incident cases were established by using a 5-year clearance period.ResultsFrom 2003/2004 to 2007/2008 inclusive, there were 53,425 patients with a primary stroke or TIA diagnosis. The crude incident stroke rate for first ever stroke was 211 per 100,000 per year (95% CI 205–217 [females—205 per 100,000 per year (95% CI 196–214 and males—217 per 100,000 per year (95% CI 210–224]. The overall stroke rates were seen to significantly decline over the period [males (per 100,000 per year 227 in 2003/2004 to 202 in 2007/2008 (p = 0.0157 and females (per 100,000 per year 214 in 2003/2004 to 188 in 2007/2008 (p = 0.0482]. Ischemic stroke rates also appeared to decline; however, this change was not significant.ConclusionThese results demonstrate a significant decline in stroke incidence during the study period and may suggest evidence for effectiveness of primary and secondary prevention strategies in cerebrovascular risk factor management.

  6. Archiving the Web: A Case Study from the University of Victoria

    Directory of Open Access Journals (Sweden)

    Corey Davis

    2014-10-01

    Full Text Available The University of Victoria Libraries started archiving websites in 2013, and it quickly became apparent that many scholarly websites being produced by faculty, especially in the digital humanities, were going to prove very challenging to effectively capture and play back. This article will provide an overview of web archiving and explore the considerable legal and technical challenges of implementing a web archiving initiative at a research library, using the University of Victoria's implementation of Archive-it, a web archiving service from the Internet Archive, as a case study, with a special focus on capturing complex, interactive websites that scholars are creating to disseminate their research in new ways.

  7. Effectiveness of Credit Management for Maintaining Liquidity and Increasing Profitability

    OpenAIRE

    Sari, Putri Agusta

    2013-01-01

    In credit distribution, bank has used the principle of 5C. However, the bank is still not optimally apply the whole principle 5C. To achieve an effective credit management then the bank must make improvements in the analysis of credit. Type of research method is descriptive. This research is used to determine the credit management applied PT. Bank Tabungan Negara ( Persero ) Tbk, includes : Credit application Process, Credit Approval Process, Supervision Credit and redemption Technique, and...

  8. WHAT INFLUENCE CREDIT CARD DEBTS IN YOUNG CONSUMERS IN MALAYSIA

    OpenAIRE

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

    2014-01-01

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

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

    Science.gov (United States)

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

    2010-01-01

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

  10. 75 FR 15573 - Fiduciary Duties at Federal Credit Unions; Mergers and Conversions of Insured Credit Unions

    Science.gov (United States)

    2010-03-29

    ... From the Federal Register Online via the Government Publishing Office ] Part III National Credit Union Administration 12 CFR Parts 701, 708a, and 708b Fiduciary Duties at Federal Credit Unions; Mergers and Conversions of Insured Credit Unions; Proposed Rules #0;#0;Federal Register / Vol. 75, No. 59...

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

    Science.gov (United States)

    Pathak, Arohi; Keenan, Nancy

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

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

    NARCIS (Netherlands)

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

    2011-01-01

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

  13. Tiebreaker: Certification and multiple credit ratings

    NARCIS (Netherlands)

    Bongaerts, D.; Cremers, K.J.M.; Goetzmann, W.

    2009-01-01

    This paper explores the role played by multiple credit rating agencies (CRAs) in the market for corporate bonds. Moody’s, S&P and Fitch operate in a competitive setting with market demand for both credit information and the certification value of a high rating. We empirically document the outcome of

  14. Business and Default Cycles for Credit Risk

    NARCIS (Netherlands)

    Koopman, S.J.; Lucas, A.

    2005-01-01

    Various economic theories are available to explain the existence of credit and default cycles. There remains empirical ambiguity, however, as to whether these cycles coincide. Recent papers suggest by their empirical research set-up that they do, or at least that defaults and credit spreads tend to

  15. Forecasting the value of credit scoring

    Science.gov (United States)

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

    2017-08-01

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

  16. Trade credit, collateral liquidation, and borrowing constraints

    NARCIS (Netherlands)

    Fabbri, D.; Menichini, A.M.C.

    2010-01-01

    Assuming that firms’ suppliers are better able to extract value from the liquidation of assets in default and have an information advantage over other creditors, the paper derives six predictions on the use of trade credit. (1) Financially unconstrained firms (with unused bank credit lines) take

  17. Dealing with Student Credit Card Debt.

    Science.gov (United States)

    Stanford, William E.

    1999-01-01

    Discusses the danger of college students accumulating a level of credit card debt that can seriously undermine their future lives. Offers 10 suggestions for colleges including controlling solicitations, offering workshops to freshmen, adding credit information to the campus Web site, communicating with the senior class, and discouraging or…

  18. Cognitive Credit Cards: Acquiring Learning Strategies.

    Science.gov (United States)

    Edmunds, Alan L.

    1999-01-01

    Describes the Cognitive Credit Card, an individualized approach to helping students with learning disabilities select and apply appropriate learning strategies. The CCC is a credit card-sized laminated set of cognitive or metacognitive cues for a specific topic. Feedback from students, teachers, and parents has been highly positive. (DB)

  19. College Student Performance and Credit Card Usage.

    Science.gov (United States)

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

    2001-01-01

    Examines the relationship between credit card usage, employment, and academic performance among a group of college students with credit cards. Results reveal that the students differed significantly in the level of anxiety felt from carrying debt, perceived need to work, and perceived impact of employment on academic performance. (Contains 57…

  20. 27 CFR 28.334 - Credit allowance.

    Science.gov (United States)

    2010-04-01

    ... 27 Alcohol, Tobacco Products and Firearms 1 2010-04-01 2010-04-01 false Credit allowance. 28.334 Section 28.334 Alcohol, Tobacco Products and Firearms ALCOHOL AND TOBACCO TAX AND TRADE BUREAU, DEPARTMENT OF THE TREASURY LIQUORS EXPORTATION OF ALCOHOL Action on Claims § 28.334 Credit allowance. Where the...

  1. ED Strengthens Credit Management and Debt Collection.

    Science.gov (United States)

    Olmo, Ralph J.

    1982-01-01

    This interview with the comptroller for the U.S. Department of Education focuses on efforts to improve credit management and debt collection. Topics discussed are the credit management initiative, the extent of the problem, improvements, the Housing and Facilities Loan Program, and the significance of the Debt Collection Act of 1982. (JOW)

  2. Sovereign Credit Risk, Liquidity and ECB Intervention

    DEFF Research Database (Denmark)

    Pelizzon, Loriana; Subrahmanyam, Marti G.; Tomio, Davide

    This paper explores the interaction between credit risk and liquidity, in the context of the intervention by the European Central Bank (ECB), during the Euro-zone crisis. The laboratory for our investigation is the Italian sovereign bond market, the largest in the Euro-zone. We use a unique data...... between changes in Italian sovereign credit risk and liquidity in the secondary bond market, conditional on the level of credit risk, measured by the Italian sovereign credit default swap (CDS) spread. We demonstrate the existence of a threshold of 500 basis points (bp) in the CDS spread, above which...... break following the announcement of the implementation of the Long-Term Re nancing Operations (LTRO) by the European Central Bank (ECB) on December 8, 2012. The improvement in liquidity in the Italian government bond market strongly attenuated the dynamic relationship between credit risk and market...

  3. Dynamic Dependence and Diversification in Corporate Credit

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Jacobs, Kris; Jin, Xisong

    We characterize dependence and tail dependence in corporate credit using a new class of dynamic copula models which can capture dynamic dependence and asymmetry in large samples of firms. We also document important differences between the dependence dynamics for credit spreads and equity returns...... correlations during the crisis and remains high as well. The most important shocks to credit dependence occur in August of 2007 and in August of 2011, but interestingly these dates are not associated with significant changes to median credit spreads. The decrease in diversification potential caused...... by the increase in dependence and tail dependence is large. Finally, we find that the CDS volatility, correlation and tail dependence measures that we have constructed using the dynamic copula model are important determinants of credit spreads over time....

  4. Application of Satellite Observations to Manage Natural Disasters in the Lake Victoria Basin

    Science.gov (United States)

    Habib, Shahid; Policelli, F.; Irwin, D.; Korme, Tesfaye; Adler, Bob; Hong, Yang

    2010-01-01

    Lake Victoria, the second largest fresh water lake in the Eastern part of Africa is a vital natural resource for the economic well being and prosperity of over 30 million people located in riparian regions of Uganda, Kenya and Tanzania. It covers a large area of about 68,870 km2 and produces a GDP of about US $30 billion per year. The region is also very much prone to natural disasters such as severe floods during heavy precipitation periods in the Eastern part of Africa. In addition to floods, the precipitation also produces large infestations of mosquito larvae due to the standing water in many areas. This further causes multiple vector borne diseases such as Malaria, Rift Valley Fever and more. These problems are of serious concern and require active and aggressive surveillance and management to minimize the loss of human and animal lives and property damage. Satellite imagery and observations along with the in situ measurements provide a great tool to analyze and study this area and inform the policy makers to make calculated policy decisions which are more beneficial to the environment. Recently, NASA and USAID have joined forces with the Regional Center for Mapping of Resources for Development (RCMRD) located in Nairobi, Kenya to utilize multiple NASA sensors such as TRMM, SRTM and MODIS to develop flood potential maps for the Lake Victoria Basin. The idea is to generate a flood forecasts and "nowcasts" that can be sent to the disaster management organizations of Uganda, Kenya, and Tanzania. Post flood event satellite imagery is becoming a common tool to assess the areas inundated by flooding. However, this work is unique undertaking by utilizing land imaging and atmospheric satellites to build credible flood potential maps. At same time, we are also studying the potential occurrence and spread of Rift Valley Fever disease based on the short term climate records and precipitation data. These activities require multi-nation coordination and agreements and

  5. Global Credit Crunch and Accounting

    Directory of Open Access Journals (Sweden)

    Haluk BENGÜ

    2015-12-01

    Full Text Available The concept of economic crisis is accepted to have entered management literature following the 1929 economic crisis. Can accounting be blamed for economic or financial crises? Is it fair to say that a defect or negligence in accounting and auditing played a role in the occurrence and rapid dissemination of the current global credit crunch? In other words, is it possible to find a link between the reasons for or results of the global financial crisis and the basic principles of accounting, the generally accepted accounting principles, the prevalent accounting approaches, methods and practices, the regulations on accounting, accounting audit and any relevant professional or legal regulation and accounting culture and values? The objective of this communiqué is to open the above-mentioned questions up for discussion. The answers to these questions are quite important, in that they will provide clues that can be used to shape the future of accounting and auditing. This study is expected to be inspirational for further empirical studies to be carried out in this domain.

  6. Geoengineering with seagrasses: is credit due where credit is given?

    Science.gov (United States)

    Johannessen, Sophia C.; Macdonald, Robie W.

    2016-11-01

    Blue carbon, the carbon fixed by vegetated coastal ecosystems including seagrasses, is reported to have a large potential to sequester atmospheric carbon dioxide. Planting, expanding or protecting seagrass meadows has, accordingly, been proposed as a form of geoengineering. Seagrasses are reported to account for up to 18% of the carbon burial in the world’s oceans, which is on the same order of magnitude as other proposed geoengineering techniques, including iron fertilization. International protocols have been developed to quantify carbon sequestration in seagrass meadows, with a view to awarding carbon credits under the Verified Carbon Standard. Unfortunately, because these protocols do not adequately account for post-depositional processes in marine sediment, they significantly overestimate carbon capture by seagrass beds and give an incorrect view of its distribution. Specifically, neglecting biomixing and remineralization of carbon in surface sediments biases burial rates high, while using sediment carbon inventory (soil carbon stock) over the top 1 m as a proxy for burial rate incorrectly identifies areas of high carbon burial. Seagrass beds likely provide a limited setting for geoengineering, because they generally comprise slowly-accumulating, fine to medium sand, which captures organic carbon less efficiently than fine-grained sediments or rapidly-accumulating delta deposits. While there is no question that seagrass meadows provide valuable habitat, nor that they are disappearing rapidly, their contribution to the global burial of carbon has not yet been established. The danger of geoengineering with seagrasses before reliable assessment methods have been established is that overestimated carbon offsets could lead to a net increase in emissions of carbon dioxide to the atmosphere.

  7. 12 CFR 704.6 - Credit risk management.

    Science.gov (United States)

    2010-01-01

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

  8. 26 CFR 1.41-8 - Alternative incremental credit.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 1 2010-04-01 2010-04-01 true Alternative incremental credit. 1.41-8 Section 1... Credits Against Tax § 1.41-8 Alternative incremental credit. (a) Determination of credit. At the election of the taxpayer, the credit determined under section 41(a)(1) equals the amount determined under...

  9. 12 CFR 619.9155 - Federal land credit association.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Federal land credit association. 619.9155 Section 619.9155 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9155 Federal land credit association. The term Federal land credit association refers to a Federal land bank...

  10. 12 CFR 619.9015 - Agricultural credit associations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit associations. 619.9015 Section 619.9015 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9015 Agricultural credit associations. Agricultural credit associations are associations created by the merger of...

  11. 12 CFR 619.9145 - Farm Credit Bank.

    Science.gov (United States)

    2010-01-01

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

  12. 12 CFR 619.9146 - Farm Credit institutions.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit institutions. 619.9146 Section 619.9146 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9146 Farm Credit institutions. Except as otherwise defined, the term Farm Credit institutions refers to all institutions...

  13. 12 CFR 226.12 - Special credit card provisions.

    Science.gov (United States)

    2010-01-01

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

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

    Directory of Open Access Journals (Sweden)

    Nguyen Anh Hoang

    2014-10-01

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

  15. Coupled human and natural system dynamics as key to the sustainability of Lake Victoria's ecosystem services

    NARCIS (Netherlands)

    Downing, Andrea S.; van Nes, Egbert H.; Balirwa, John S.; Beuving, Joost; Bwathondi, P. O. J.; Chapman, Lauren J.; Cornelissen, Ilse J. M.; Cowx, Iain G.; Goudswaard, Kees P. C.; Hecky, Robert E.; Janse, Jan H.; Janssen, Annette B. G.; Kaufman, Les; Kishe-Machumu, Mary A.; Kolding, Jeppe; Ligtvoet, Willem; Mbabazi, Dismas; Medard, Modesta; Mkumbo, Oliva C.; Mlaponi, Enock; Munyaho, Antony T.; Nagelkerke, Leopold A. J.; Ogutu-Ohwayo, Richard; Ojwang, William O.; Peter, Happy K.; Schindler, Daniel E.; Seehausen, Ole; Sharpe, Diana; Silsbe, Greg M.; Sitoki, Lewis; Tumwebaze, Rhoda; Tweddle, Denis; van de Wolfshaar, Karen E.; van Dijk, Han; van Donk, Ellen; van Rijssel, Jacco C.; van Zwieten, Paul A. M.; Wanink, Jan; Witte, F.; Mooij, Wolf M.

    2014-01-01

    East Africa's Lake Victoria provides resources and services to millions of people on the lake's shores and abroad. In particular, the lake's fisheries are an important source of protein, employment, and international economic connections for the whole region. Nonetheless, stock dynamics are poorly

  16. The diversity of benthic mollusks of Lake Victoria and Lake Burigi ...

    African Journals Online (AJOL)

    Molluscan diversity, abundance and distribution in sediments of Lake Victoria and its satellite lake, Lake Burigi, were investigated. The survey was carried out ... Melanoides tuberculata and Biomphalaria chaonomphala were the only two gastropods represented and widely distributed in the two lakes. Bivalvia constituting of ...

  17. Connections '98. Proceedings of a Faculty Conference (4th, Victoria, British Columbia, Canada, May 1998).

    Science.gov (United States)

    Gibbons, Sandra L., Ed.; Anderson, John O., Ed.

    This proceedings contains 13 papers from the 1998 annual Faculty of Education conference at the University of Victoria, British Columbia (Canada). The papers are: (1) "Struggling with Re-Presentation, Voice, and Self in Narrative Research" (Marla Arvay); (2) "Women's Soccer in Canada: A Slow Road to Equity" (Meredith Bogle,…

  18. Nile perch fish processing waste along Lake Victoria in East Africa ...

    African Journals Online (AJOL)

    Worldwide, fish industry wastes are an important contaminant having an impact on the environment. The recovery of value added products from these residues constitutes an important waste reduction strategy for the industry. In East Africa, Nile perch fish processing into chilled fish fillet for export along Lake Victoria ...

  19. Water hyacinth hotspots in the Ugandan waters of Lake Victoria in ...

    African Journals Online (AJOL)

    Water hyacinth invaded Lake Victoria in the 1980s and, by 1998, had attained peak coverage of approximately 2 000 ha in the Ugandan waters of the lake. Control interventions, especially via biological means, significantly reduced the weed's coverage to non-nuisance levels (<10 ha) by 1999. Although resurgence was ...

  20. Perception of Aquaculture Education to Support Further Growth of Aquaculture Industry in Victoria, Australia

    Science.gov (United States)

    Awal, Sadiqul; Christie, Andrew; Watson, Matthew; Hannadige, Asanka G. T.

    2012-01-01

    Purpose: The central aim of this study was to determine the perception of aquaculture educational provisions in the state of Victoria, and whether they are sufficient to ultimately support further growth of the industry. Design/methodology/approach: Questionnaires were formulated and distributed to participants in a variety of ways, including via…

  1. Lake Victoria wetlands and the ecology of the Nile tilapia, Oreochromis niloticus Linne

    NARCIS (Netherlands)

    Balirwa, J.S.

    1998-01-01

    An ecological study of wetlands was undertaken in northern Lake Victoria (East Africa) between 1993 and 1996 with a major aim of characterising shallow vegetation-dominated interface habitats, and evaluating their importance for fish, in particular, for the stocked and socio-economically

  2. People Management Practices in the Public Health Sector: Developments from Victoria, Australia

    Science.gov (United States)

    Stanton, Pauline; Bartram, Timothy; Harbridge, Raymond

    2004-01-01

    This study investigates the impact on human resource management (HRM) practices in the public health sector in Victoria, Australia of two different government policy environments. First, it explores the Liberal Coalition Government's decentralisation of public health sector management, from 1992-1999 and second, the Labor Government's…

  3. From Aspiration to Destination: Understanding the Decisions of University Applicants in Regional Victoria

    Science.gov (United States)

    Harvey, Andrew; Burnheim, Catherine; Joschko, Lucie; Luckman, Michael

    2012-01-01

    This paper examines the choices and destinations of prospective university students from three regional areas in Victoria. The study is based on information collected for tertiary applicants in the Gippsland, Bendigo and Mildura areas, all of which host a local university campus. Using application and enrollment data, we examine the choices that…

  4. What Do the Public Search for on the Catalogue of the State Library of Victoria?

    Science.gov (United States)

    Waller, Vivienne

    2009-01-01

    This study examines what the public search for in the catalogue of the State Library of Victoria (SLV). As well as indicating the type of content being accessed, this gives an indication of what catalogue users expect of the State Library collection. A content analysis was undertaken of a random, stratified sample of 4,000 search queries typed in…

  5. Do invasive bullfrogs in Victoria, British Columbia, Canada, show evidence of parasite release?

    Science.gov (United States)

    Dare, O K; Forbes, M R

    2013-06-01

    Few studies have examined vertebrate models of invasive species to explore parasite release as a proposed mechanism through which host species might become invasive. In this study, we examined evidence for parasite release in invasive American bullfrogs (Rana catesbeiana/Lithobates catesbeianus) from five sites in Victoria, British Columbia, Canada. We examined helminth species richness, as well as the prevalence, intensity and abundance of lung and kidney fluke infections. These flukes are expected to impose costs on host survival, growth and reproductive output. We compared measures of these parasite taxa with bullfrogs from Ontario and New Brunswick where they are endemic. Helminth species richness in bullfrogs from the Victoria sites was lower than in Ontario bullfrogs, but comparable to reported indices for other endemic populations. The prevalence of lung flukes (Haematoloechus spp.) in bullfrogs from Victoria was twice as high as was observed in the Ontario bullfrogs, and higher than has been reported from other endemic locations. In four of the five study sites in Victoria, numbers of Echinostoma spp. kidney cysts were lower than observed in endemic populations; however, the fifth site had uncharacteristically high numbers of cysts. In this study, there did not appear to be clear evidence to support parasite release using either parasite species numbers, or infection by specific parasite taxa. Instead, the invasive bullfrogs demonstrated high parasite species richness and high levels of infection for parasites known to be harmful to their hosts.

  6. Parasite-mediated sexual selection and species divergence in Lake Victoria cichlid fish

    NARCIS (Netherlands)

    Maan, Martine E.; Van Rooijen, Anne M. C.; Van Alphen, Jacques J. M.; Seehausen, Ole

    We investigate the role of parasite-mediated sexual selection in the divergence of two species of Lake Victoria cichlids. Pundamilia pundamilia and Pundamilia nyererei represent a common pattern of male nuptial colour divergence between haplochromine sister species: metallic grey-blue in P.

  7. Lake Victoria wetlands and the ecology of the Nile Tilapia, Oreochromis Niloticus Linné

    NARCIS (Netherlands)

    Balirwa, J.S.

    1998-01-01

    The importance of LalVictoria wetlands for the Nile tilap'a was studied. Five wetland types were defined: papyrus, reed, bulrush, hippo grass, water hyacinth. Hydrology, vegetation and distance towards open water explained the variation in abiotic and biotic factors. Over 30 fish species were

  8. Distribution of Nile perch Lates niloticus in southern Lake Victoria is ...

    African Journals Online (AJOL)

    Although Nile perch Lates niloticus is assumed to be sensitive to low oxygen concentrations, it was found in deep water in Lake Victoria, where oxygen depletion is common during the rainy season. Since factors determining Nile perch distribution are not well understood its spatial distribution in the Mwanza Gulf of Lake ...

  9. affect rice in integrated rice-fish culture in Lake Victoria Basin, Kenya?

    African Journals Online (AJOL)

    AGHOGHO A

    To ensure increased adoption of rice-fish farming, we have to be certain that practices and adoption of these technologies fit within the available resources, the socio-cultural and economic conditions of the Lake. Victoria Basin (LVB). Practices and technologies from. Asia may be inappropriate due to differences in agro cli-.

  10. Monitoring exposure to heavy metals among children in Lake Victoria, Kenya: Environmental and fish matrix

    NARCIS (Netherlands)

    Okoth, E.O.; Admiraal, W.; Osano, O.; Ngure, V.; Kraak, M.H.S.; Omutange, E.S.

    2010-01-01

    This study used hair and nails to biomonitor heavy metals (Pb, Cd, Cr and Cu) from geological source and exposure through regular fish consumption among children in Lake Victoria, Kenya. Concentration of Pb and Cu in water reflected anthropogenic pathways, while Cd and Cr reflected accumulation from

  11. Metal concentrations in sediment and fish of Lake Victoria near and ...

    African Journals Online (AJOL)

    Concentrations of metals in sediment and fish as well as organic matter contents of sediment from Lake Victoria were investigated. The objective of the study was to compare levels of metals in sediment and fish from areas of the lake that are within and outside catchments with gold mining activities. The results showed that ...

  12. Modelling the predictive performance of credit scoring

    Directory of Open Access Journals (Sweden)

    Shi-Wei Shen

    2013-02-01

    Full Text Available Orientation: The article discussed the importance of rigour in credit risk assessment.Research purpose: The purpose of this empirical paper was to examine the predictive performance of credit scoring systems in Taiwan.Motivation for the study: Corporate lending remains a major business line for financial institutions. However, in light of the recent global financial crises, it has become extremely important for financial institutions to implement rigorous means of assessing clients seeking access to credit facilities.Research design, approach and method: Using a data sample of 10 349 observations drawn between 1992 and 2010, logistic regression models were utilised to examine the predictive performance of credit scoring systems.Main findings: A test of Goodness of fit demonstrated that credit scoring models that incorporated the Taiwan Corporate Credit Risk Index (TCRI, micro- and also macroeconomic variables possessed greater predictive power. This suggests that macroeconomic variables do have explanatory power for default credit risk.Practical/managerial implications: The originality in the study was that three models were developed to predict corporate firms’ defaults based on different microeconomic and macroeconomic factors such as the TCRI, asset growth rates, stock index and gross domestic product.Contribution/value-add: The study utilises different goodness of fits and receiver operator characteristics during the examination of the robustness of the predictive power of these factors.

  13. Credit risk assessment: Evidence from banking industry

    Directory of Open Access Journals (Sweden)

    Hassan Ghodrati

    2014-08-01

    Full Text Available Measuring different risk factors such as credit risk in banking industry has been an interesting area of studies. The artificial neural network is a nonparametric method developed to succeed for measuring credit risk and this method is applied to measure the credit risk. This research’s neural network follows back propagation paradigm, which enables it to use historical data for predicting future values with very good out of sample fitting. Macroeconomic variables including GDP, exchange rate, inflation rate, stock price index, and M2 are used to forecast credit risk for two Iranian banks; namely Saderat and Sarmayeh over the period 2007-2011. Research data are being tested for ADF and Causality Granger tests before entering the ANN to achieve the best lag structure for the research model. MSE and R values for the developed ANN in this research respectively are 86×〖10〗^(-4 and 0.9885, respectively. The results showed that ANN was able to predict banks’ credit risk with low error. Sensibility analyses which has accomplished on this research’s ANN corroborates that M2 has the highest effect on the ANN’s credit risk and should be considered as an additional leading indicator by Iran’s banking authorities. These matters confirm validation of macroeconomic notions in Iran’s credit systematic risk.

  14. Acquired Credit Unions: Drivers of Takeover

    Directory of Open Access Journals (Sweden)

    R. Raymond Sant

    2015-08-01

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

  15. Credit Spreads Across the Business Cycle

    DEFF Research Database (Denmark)

    Nielsen, Mads Stenbo

    This paper studies how corporate bond spreads vary with the business cycle. I show that both level and slope of empirical credit spread curves are correlated with the state of the economy, and I link this to variation in idiosyncratic jump risk. I develop a structural credit risk model...... that accounts for both business cycle and jump risk, and show by estimation that the model captures the counter-cyclical level and pro-cyclical slope of empirical credit spread curves. In addition, I provide a new procedure for estimation of idiosyncratic jump risk, which is consistent with observed shocks...

  16. Transitive Credit and JSON-LD

    Directory of Open Access Journals (Sweden)

    Daniel S. Katz

    2015-11-01

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

  17. 12 CFR 704.3 - Corporate credit union capital.

    Science.gov (United States)

    2010-01-01

    ... management processes, due to credit, liquidity, market, fiduciary, operational, and similar types of risks... significant adverse impact upon a corporate credit union. (5) Operating management of the corporate credit...

  18. National Credit Regulator versus Dedbank Ltd and the practice of ...

    African Journals Online (AJOL)

    Keywords: National Credit Regulator; National Credit Act 34 of 2005; Magistrate's Court Act 32 of 1944; Magistrate's Court; Declaratory order; Judicial discretion; Jurisdiction; Service; In duplum rule; Emoluments; attachment order; Debt review; Debt counsellor; Consumer; Credit provider; Application procedure.

  19. Crediting analysis in Romanian after accession

    National Research Council Canada - National Science Library

    Anca Mitu; Constantin-Adrian Blanaru

    2015-01-01

      In a time full of financial convulsions with deep repercussions on the world wide economies, crediting is one of the easiest and serious options in finding alternative solutions for economic recovery...

  20. Securitization, Credit Rating and Issuers’ Characteristics

    Directory of Open Access Journals (Sweden)

    Mauricio Palmada Fernandes

    2014-01-01

    Full Text Available Given the growth of securitization through Credit Receivables Investment Funds (Fundos de Investimento em Direitos Creditórios - FIDCs in Brazil in recent years, this work aims to investigate empirically the relationship between securitization and credit rating in the Brazilian market. All issues of FIDCs held by banks and registered in the CVM from 2005 to July 2010 were analyzed. The two hypotheses discussed by Gorton and Souleles (2005 were confirmed to Brazilian financial institutions. There is evidence of an implied contract between the transferor companies and investors in securitizations made via FIDCs. Companies with higher credit risk, worst ratings, tend to securitize more. However no relationship was found between securitization and asset value, amount of loans or capital ratio.

  1. 76 FR 10209 - Corporate Credit Unions

    Science.gov (United States)

    2011-02-24

    ... an infringement on the name of any corporation in its trade area. This responsibility also includes researching any service marks or trademarks used by any other corporation (including credit unions) in its...

  2. Managing Carbon Footprints under the Trade Credit

    Directory of Open Access Journals (Sweden)

    Xiaohong Chen

    2017-07-01

    Full Text Available We investigate how the retailer adjusts optimal ordering policy in the presence of cap-and-trade system and trade credit, and the corresponding changes of the retailer’s total costs and carbon footprint. Trade credit is one of the most used short-term financing tools. Our study shows that carbon emissions trading will shorten the ordering cycle for products that emit more carbon dioxide during the storage stage, and therefore reduce the buying behavior stimulation effect of trade credit on these products. Under the cap-and-trade system, the retailer’s total cost may increase or decrease, depending on the combination of carbon cap allocated to the retailer and the carbon price. Moreover, trade credit and the corresponding cost of capital affect the retailer’s carbon emission reduction strategy by changing the retailers’ consolidated cost during the ordering and inventory holding stages.

  3. Statistical methods in credit risk management

    Directory of Open Access Journals (Sweden)

    Ljiljanka Kvesić

    2012-12-01

    Full Text Available Successful banks base their operations on the principles of liquidity, profitability and safety. Therefore, the correct assessment of the ability of a loan applicant to carry out certain obligations is of crucial importance for the functioning of a bank. In the past few decades several credit scoring models have been developed to provide support to credit analysts in the assessment of a loan applicant. This paper presents three statistical methods that are used for this purpose in the area of credit risk management: logistical regression, discriminatory analysis and survival analysis. Their implementation in the banking sector was motivated to a great extent by the development and application of information and communication technologies. This paper aims to point out the most important theoretical aspects of these methods, but also to actualise the need for the development and application of the credit scoring model in Croatian banking practice.

  4. The Cost of Bank Credit Financing

    Directory of Open Access Journals (Sweden)

    Mihaela Cosmina Petre (Niţă,

    2007-10-01

    Full Text Available Although the credit is a conventional financing method used by any company, this tool is by far a very significant issue. The range ofcredits, that a bank provides, and the current policy customize this tool in order to meet the typical financing needs of the enterprises that demands it.Considering the risks, the bank takes the charge of by placing credits, the “eligibility” terms of enterprises that can get such financing being verystrict. Restrictions concerning the accepted degree of liability, the accomplished level of performance or available warranties may represent real“barriers” for many companies. Of all “barriers”, the high cost of some financing tools is a good case in point. In order to have a clearer picture ofwhat this financing source is for an enterprise, I have carried out a cost analysis of these financing tools, the medium and long term credit cost andthe short term credit cost.

  5. The public control of credit unions

    Directory of Open Access Journals (Sweden)

    Alberto García Müller

    2006-12-01

    Full Text Available Public control is the activity of investigation or review by the government takes over a company, to verify the conformity of its actions to law. This paper analyzes the control over credit unions.

  6. College Student Credit Card Usage and Debt.

    Science.gov (United States)

    Rybka, Kathryn M.

    2001-01-01

    Provides an overview of the concerns related to credit card usage by college students. Offers information student affairs professionals can use to help college students make responsible choices. (Contains 26 references.) (GCP)

  7. Prefrontal system dysfunction and credit card debt.

    Science.gov (United States)

    Spinella, Marcello; Yang, Bijou; Lester, David

    2004-10-01

    Credit card use often involves a disadvantageous allocation of finances because they allow for spending beyond means and buying on impulse. Accordingly they are associated with increased bankruptcy, anxiety, stress, and health problems. Mounting evidence from functional neuroimaging and clinical studies implicates prefrontal-subcortical systems in processing financial information. This study examined the relationship of credit card debt and executive functions using the Frontal System Behavior Scale (FRSBE). After removing the influences of demographic variables (age, sex, education, and income), credit card debt was associated with the Executive Dysfunction scale, but not the Apathy or Disinhibition scales. This suggests that processes of conceptualizing and organizing finances are most relevant to credit card debt, and implicates dorsolateral prefrontal dysfunction.

  8. VT New Market Tax Credit - Hot Zones

    Data.gov (United States)

    Vermont Center for Geographic Information — (Link to Metadata) The EconOther_NMTC layer delineates New Market Tax Credit (NMTC) "hot zones" and qualified counties and census tracts. This dataset is designed to...

  9. VT New Market Tax Credit - Qualifying Tracts

    Data.gov (United States)

    Vermont Center for Geographic Information — (Link to Metadata) The EconOther_NMTC layer delineates New Market Tax Credit (NMTC) "hot zones" and qualified counties and census tracts. This dataset is designed to...

  10. VT New Market Tax Credit - Qualifying Counties

    Data.gov (United States)

    Vermont Center for Geographic Information — (Link to Metadata) The EconOther_NMTC layer delineates New Market Tax Credit (NMTC) "hot zones" and qualified counties and census tracts. This dataset is designed to...

  11. New Market Tax Credit Qualified Census Tract

    Data.gov (United States)

    Vermont Center for Geographic Information — The Community Development Financial Institutions (CDFI) Fund, a division of the US Department of the Treasury, administers the New Markets Tax Credit (NMTC). The...

  12. Bank Decapitalization and Credit Union Capitalization

    Directory of Open Access Journals (Sweden)

    Mark A. Klinedinst

    2016-02-01

    Full Text Available This article looks at the theory and empirical findings of excessive compensation on the recent financial implosion across institutional forms in banking. Compensation levels have gone up dramatically over the last 30 years as deregulation and concentration have grown. Some banks and quite a few credit unions avoided closure by prudent portfolio selection and keeping reserves up by maintaining compensation levels closer to the median level. Empirical findings here are based on a unique panel data set on U.S. commercial banks, thrifts, and credit unions from 1994 through 2010 (more than 300,000 observations that provide evidence that the firms with the highest net worth typically are smaller institutions, are credit unions, have smaller insider loans as a percentage of assets, and have lower average pay levels. The favorable results here for credit unions, financial cooperatives, should help guide policy when deciding which type of financial institutions should be encouraged.

  13. Household Credit and Saving: Does Policy Matter?

    OpenAIRE

    Peter Lawrence

    2002-01-01

    This paper surveys the existing literature on the determinants of household savings and credit in developing countries and examines the ways in which macro-level policies might impact on household financial behaviour.

  14. Human Capital in a Credit Cycle Model

    OpenAIRE

    Kubin, Ingrid; Zörner, Thomas

    2017-01-01

    We augment a model of endogenous credit cycles by Matsuyama et al.(2016) with human capital to study the impact of human capital on the stability of central economic aggregates. Thus we offer a linkage between human capital formation and credit market instability on a macrolevel combined with an analysis of functional income distribution. Human capital is modelled as pure external effect of production following a learning-by-producing approach. Agents have access to two different investment p...

  15. Credit Risk Management - Loan Approval Process

    OpenAIRE

    Lulzim Rashiti; Branimir Kalas; Lazar Drec; Nino Stameski

    2016-01-01

    The aim of this study is on understanding the international regulations issued by Basel I, Basel II and Basel III to best supervise and manage credit risk management policies. Part of paper will focus on the description and impacts of the regulations and the pivotal importance they play in providing a sound banking system. Credit risk represents another important element that will be analysed considering that it lays the foundation during the loan consideration and approval process. The paper...

  16. Ultrasonography in acute diverticulitis - credit where credit is due.

    Science.gov (United States)

    Lembcke, B

    2016-01-01

    Diagnosing diverticulitis implies physical and laboratory examination, cross-sectional imaging (computed tomography [CT] or ultrasonography [US]), and a classification of the type of diverticular disease. This article illustrates the role of ultrasonography in view of the recently published Guidelines on diverticular disease of the Consensus Conference of the German Societies of Gastroenterology (DGVS) and Visceral Surgery (DGAV). The focus is to foster both sensitivity for pictorial analysis and improving practical accomplishments of US in diverticulitis. Based on the German classification of diverticular disease (CDD), characteristic features of each type of diverticulitis are presented and commented along with possible differential diagnoses. In the literature qualified US is equipotent to qualified CT. US is frequently effective for the diagnosis and unsurpassed resolution enables detailed imaging thereby allowing one to differentiate and stratify the relevant types of diverticular disease according to the new classification. This educational review is a guided tour through the different facettes of diverticulitis on ultrasonography thereby expanding and multiplying individual competence to more users. With expert performance, US is in the pole position for diagnosing diverticulitis, however, this does come with the price of responsibility and requires transfer of advanced standards and performance in the broad. © Georg Thieme Verlag KG Stuttgart · New York.

  17. Micro Credit and Gender: A Critical Assessment

    Directory of Open Access Journals (Sweden)

    Özlem BALKIZ

    2015-12-01

    Full Text Available Micro credit programs, which are based on lending money on interest and encouraging savings, have been first been used in Southern countries and are now being implemented worldwide. Mainly aimed at the rural poor, particularly poor women, micro credit programs seek to ensure sustainable economic development in line with the requirements of global capitalism and to include women in the productive activities of the market. Micro credit has been made institutionalized based on three main paradigms, namely financial sustainability, poverty alleviation and women’s empowerment. In micro credit programs, where the emphasis on women’s empowerment is strong, the lack of a social gender perspective is striking. In fact, women may face patriarchal pressure and restrictions at the start in access to loans, loan usage models, participation to the productive activities in the market and during loan repayment. Thus the allegation that by way of micro credit, women will be empowered in terms of economic, social and political means in the family and society becomes questionable. This article, by problematizing women’s relationship with micro credit, will discuss social gender relationships which prevent them from making use of these programs as they wish and from achieving the results they intend

  18. Modelling the predictive performance of credit scoring

    Directory of Open Access Journals (Sweden)

    Shi-Wei Shen

    2013-07-01

    Research purpose: The purpose of this empirical paper was to examine the predictive performance of credit scoring systems in Taiwan. Motivation for the study: Corporate lending remains a major business line for financial institutions. However, in light of the recent global financial crises, it has become extremely important for financial institutions to implement rigorous means of assessing clients seeking access to credit facilities. Research design, approach and method: Using a data sample of 10 349 observations drawn between 1992 and 2010, logistic regression models were utilised to examine the predictive performance of credit scoring systems. Main findings: A test of Goodness of fit demonstrated that credit scoring models that incorporated the Taiwan Corporate Credit Risk Index (TCRI, micro- and also macroeconomic variables possessed greater predictive power. This suggests that macroeconomic variables do have explanatory power for default credit risk. Practical/managerial implications: The originality in the study was that three models were developed to predict corporate firms’ defaults based on different microeconomic and macroeconomic factors such as the TCRI, asset growth rates, stock index and gross domestic product. Contribution/value-add: The study utilises different goodness of fits and receiver operator characteristics during the examination of the robustness of the predictive power of these factors.

  19. Credit Risk Prediction Using Fuzzy Immune Learning

    Directory of Open Access Journals (Sweden)

    Ehsan Kamalloo

    2014-01-01

    Full Text Available The use of credit has grown considerably in recent years. Banks and financial institutions confront credit risks to conduct their business. Good management of these risks is a key factor to increase profitability. Therefore, every bank needs to predict the credit risks of its customers. Credit risk prediction has been widely studied in the field of data mining as a classification problem. This paper proposes a new classifier using immune principles and fuzzy rules to predict quality factors of individuals in banks. The proposed model is combined with fuzzy pattern classification to extract accurate fuzzy if-then rules. In our proposed model, we have used immune memory to remember good B cells during the cloning process. We have designed two forms of memory: simple memory and k-layer memory. Two real world credit data sets in UCI machine learning repository are selected as experimental data to show the accuracy of the proposed classifier. We compare the performance of our immune-based learning system with results obtained by several well-known classifiers. Results indicate that the proposed immune-based classification system is accurate in detecting credit risks.

  20. Trade Credit Insurance and Asymmetric Information Problem

    Directory of Open Access Journals (Sweden)

    Sokolovska Olena

    2017-03-01

    Full Text Available The presence of different risk factors in international trade gives evidence of the necessity of support in gaps that may affect exporters’ activity. To maximize the trade volumes and in the same time to minimize the exporters’ risks the stakeholders use trade credit insurance. The paper provides analysis of conceptual background of the trade credit insurance in the world. We analyzed briefly the problems, arising in insurance markets due to asymmetric information, such as adverse selection and moral hazard. Also we discuss the main stages of development of trade credit insurance in countries worldwide. Using comparative and graphical analysis we provide a brief evaluation of the dynamics of claims and recoveries for different forms of trade credit insurance. We found that the claims related to the commercial risk for medium and long trade credits in recent years exceed the recoveries, while with the political risk the reverse trend holds. And we originally consider these findings in terms of information asymmetry in the trade credit insurance differentiated by type of risk.

  1. Mammography screening credit card and compliance.

    Science.gov (United States)

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

    1992-07-15

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

  2. Modeling Cycle Dependence in Credit Insurance

    Directory of Open Access Journals (Sweden)

    Anisa Caja

    2014-03-01

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

  3. 78 FR 4875 - Office of Small Credit Unions (OSCUI) Loan Program Access for Credit Unions

    Science.gov (United States)

    2013-01-23

    ... equipment, including branch facilities, ATMs, and electronic banking facilities; and (v) Operational... credit union's marketing strategy to reach members and the community; and include financial projections...

  4. Soil surface lowering due to soil erosion in villages near Lake Victoria, Uganda

    Science.gov (United States)

    de Meyer, A.; Deckers, J.; Poesen, J.; Isabirye, M.

    2009-04-01

    In the effort to pinpoint the sources of sediment pollution in Lake Victoria, the contribution of sedi-ment from compounds, landing sites, main roads and footpaths is determined in the catchment of Na-bera Bay and Kafunda Bay at the northern shore of Lake Victoria in southern Uganda. The amount of soil loss in compounds and landing sites is determined by the reconstruction of the original and current soil surface according to botanical and man-made datable objects. The soil erosion rate is then deter-mined by dividing the eroded soil volume (corrected for compaction) by the age of the oldest datable object. In the study area, the average soil erosion rate in compounds amounts to 107 Mg ha-1 year-1 (per unit compound) and in landing sites to 207 Mg ha-1 year-1 (per unit landing site). Although com-pounds and landing sites occupy a small area of the study area (1.1 %), they are a major source of sediment to Lake Victoria (63 %). The soil loss on footpaths and main roads is calculated by multip-lying the total length of footpaths and main roads with the average width and depth (measured towards a reference surface). After the correction for compaction is carried out, the soil erosion rate on foot-paths amounts to 34 Mg ha-1 year-1 and on main roads to 35 Mg ha-1 year-1. Also footpaths and main roads occupy a small area of the study area (1.1 %), but contribute disproportionately to the total soil loss in the catchment (22 %). In this research, the information about the village/compound given by the villager/owner is indispensable. In accordance to an adaptation of the model of McHugh et al. (2002), 32 % of the sediment that is generated in the catchment, is deposited in Lake Victoria (i.e. 2 209 Mg year-1 or 0.7 Mg ha-1 year-1). The main buffer in the study area is papyrus at the shore of Lake Victoria. Also sugarcane can be a major buffer. However, the sugarcane-area is intersected by com-pounds, landing sites, footpaths and main roads that generate large amounts of

  5. Credit card spending limit and personal finance: system dynamics approach

    Directory of Open Access Journals (Sweden)

    Mirjana Pejić Bach

    2014-03-01

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

  6. WHAT INFLUENCE CREDIT CARD DEBTS IN YOUNG CONSUMERS IN MALAYSIA

    Directory of Open Access Journals (Sweden)

    Syed Shah ALAM

    2014-12-01

    Full Text Available This paper examines empirically antecedents of the credit card debts in young consumers in Malaysia. We examine whether easy access to credit card, credit card related knowledge, aggressive promotion by credit card industry, low minimum payment requirement and attitude towards credit cards influence credit card debts in the younger generation. Regression model was used to meet the objectives. These findings based on a sample of 240 young credit card holders, show that the factors that affect credit card debts are credit card related knowledge, aggressive promotion by credit card industry and low minimum payment requirements. These findings also provide insights for both bank management and policy-makers to improve the bank performance in terms of credit card debts.

  7. Species-specific relationships between water transparency and male coloration within and between two closely related Lake Victoria cichlid species

    NARCIS (Netherlands)

    Castillo Cajas, Ruth F; Selz, Oliver M; Ripmeester, Erwin A P; Seehausen, Ole; Maan, Martine E

    2012-01-01

    Environmental variation in signalling conditions affects animal communication traits, with possible consequences for sexual selection and reproductive isolation. Using spectrophotometry, we studied how male coloration within and between populations of two closely related Lake Victoria cichlid

  8. Preliminary assessment of the cocial, economic and environmental impacts of Water Hyacinth in Lake Victoria basin and status of control

    OpenAIRE

    Mailu, A.M.

    2001-01-01

    The paper presents preliminary data collected in an assessment of the social, economic and environmental impacts of water hyacinth in the Lake Victoria Basin. A summary of the status of control and strategies for the future is given. The report draws on field observations made, studies through interviews of affected communities and organisations, personal communications and published reports by scientists in the region. Lake Victoria, the world’s second largest freshwater body, su...

  9. Towards understanding hydroclimatic change in Victoria, Australia – preliminary insights into the "Big Dry"

    Directory of Open Access Journals (Sweden)

    A. S. Kiem

    2010-03-01

    Full Text Available Since the mid-1990s the majority of Victoria, Australia, has experienced severe drought conditions (i.e. the "Big Dry" characterized by streamflow that is the lowest in approximately 80 years of record. While decreases in annual and seasonal rainfall totals have also been observed, this alone does not seem to explain the observed reduction in flow. In this study, we investigate the large-scale climate drivers for Victoria and demonstrate how these modulate the regional scale synoptic patterns, which in turn alter the way seasonal rainfall totals are compiled and the amount of runoff per unit rainfall that is produced. The hydrological implications are significant and illustrate the need for robust hydrological modelling, that takes into account insights into physical mechanisms that drive regional hydroclimatology, in order to properly understand and quantify the impacts of climate change (natural and/or anthropogenic on water resources.

  10. Use of regionalisation approach to develop fire frequency curves for Victoria, Australia

    Science.gov (United States)

    Khastagir, Anirban; Jayasuriya, Niranjali; Bhuyian, Muhammed A.

    2017-11-01

    It is important to perform fire frequency analysis to obtain fire frequency curves (FFC) based on fire intensity at different parts of Victoria. In this paper fire frequency curves (FFCs) were derived based on forest fire danger index (FFDI). FFDI is a measure related to fire initiation, spreading speed and containment difficulty. The mean temperature (T), relative humidity (RH) and areal extent of open water (LC2) during summer months (Dec-Feb) were identified as the most important parameters for assessing the risk of occurrence of bushfire. Based on these parameters, Andrews' curve equation was applied to 40 selected meteorological stations to identify homogenous stations to form unique clusters. A methodology using peak FFDI from cluster averaged FFDIs was developed by applying Log Pearson Type III (LPIII) distribution to generate FFCs. A total of nine homogeneous clusters across Victoria were identified, and subsequently their FFC's were developed in order to estimate the regionalised fire occurrence characteristics.

  11. Art at Second Hand: Prints after European Pictures in Victoria before 1870

    Directory of Open Access Journals (Sweden)

    Alison Inglis

    2011-06-01

    Full Text Available This article examines the significance of the large number of European reproductive prints present in the public and private art collections of early colonial Victoria. Several factors are identified as contributing to this popularity; ranging from the suitability of the print medium for the export market to the existence of informed print connoisseurs amongst colonial collectors and artists. This article also demonstrates some of the typical features of Australian art history; in that it is concerned with the evaluation of the Australian art world through reference to European culture (the centre-periphery debate and also that it limits its discussion to the art of a particular Australian state (Victoria. The nineteenth-century division of Australia into different colonies had ramifications for Australian art history that continue to the present day – namely; the tendency to interpret colonial artistic activities from a regional perspective.

  12. ZnO-Fe2O3 heterojunction for photocatalytic degradation of victoria blue dye

    Science.gov (United States)

    Kumar, Pushpendra; Khatri, Taslimahemad; Bawa, Harpreet; Kaur, Jashandeep

    2017-07-01

    In the present study, ZnO-Fe2O3 heterojunction has been successfully synthesized by co-precipitation method for photocatalytic degradation of Victoria blue dye. The synthesized samples were subjected to XRD for microstructural characterization and scanning electron microscopy for morphological investigation. The typical X-ray diffraction pattern shows exhaustive evolution of hexagonal wurtzite phase of ZnO and α-Fe2O3 having crystalline in the range of 34-54 nm. The synthesized samples were applied for degradation of victoria blue dye under UV illumination. ZnO-Fe2O3 heterojunction showed higher photocatalytic activity for dye degradation compared to bare ZnO. This rise in photocatalytic activity can be attributed to enhanced charge separation derived from coupling of ZnO and Fe2O3. In this manuscript, the effect of photocatalyst dose, irradiation time and initial dye concentration on photodegradation of dye is reported in detail.

  13. Strain and displacement measurements for the June 9, 1980 Victoria, Mexico Earthquake

    Science.gov (United States)

    Darby, D.; Nyland, E.; Suarez, F.; Chavez, D.; Gonzalez, J.

    A microgeodetic network 22 km south east of Est. Guadalupe Victoria, Baja California Norte, installed in late May 1980, has been resurveyed in an experiment that started 12 hours after the June 9, 1980 Victoria earthquake, which had an epicenter at 10 km depth about 12 km from the network. The resurvey was complete by June 13. Both the initial observations and the resurvey were done with HP3800 distance meter equipment. Some angular control was provided with a Wild T3 theodolite. The network underwent a compressive strain of 7 ± 3 micro strain essentially parallel the Cerro Prieto fault about the time of the earthquake. Strains of this size are associated with simple dislocation models of earthquakes of this magnitude. Its direction appears to be anomalous however. This may indicate compression related to soil liquefaction processes or strain near the end of the slip plane.

  14. 12 CFR 337.2 - Standby letters of credit.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Standby letters of credit. 337.2 Section 337.2... UNSAFE AND UNSOUND BANKING PRACTICES § 337.2 Standby letters of credit. (a) Definition. As used in this section, the term standby letter of credit means any letter of credit, or similar arrangement however...

  15. Dual Credit/Dual Enrollment and Data Driven Policy Implementation

    Science.gov (United States)

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

    2014-01-01

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

  16. 41 CFR 101-27.503 - Allowable credit.

    Science.gov (United States)

    2010-07-01

    ... 41 Public Contracts and Property Management 2 2010-07-01 2010-07-01 true Allowable credit. 101-27...-Return of GSA Stock Items § 101-27.503 Allowable credit. Allowable credit for activities returning... condition of the material received. (a) Credit will be granted at the rate of 80 percent of the current GSA...

  17. 26 CFR 1.50-1 - Restoration of credit.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 1 2010-04-01 2010-04-01 true Restoration of credit. 1.50-1 Section 1.50-1... Computing Credit for Investment in Certain Depreciable Property § 1.50-1 Restoration of credit. (a) In general. Section 49(a) (relating to termination of credit) does not apply to property— (1) The...

  18. Household‐level credit constraints in urban Ethiopia | Kedir ...

    African Journals Online (AJOL)

    There is a dearth of empirical evidence on the determinants of household credit constraints in Sub‐Saharan Africa. Most studies have disproportionally focused either on household credit constraints in rural areas or credit constraints facing firms. There are also a number analytical problems linked with identifying credit ...

  19. 12 CFR 611.505 - Farm Credit Administration review.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Administration review. 611.505 Section 611.505 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM ORGANIZATION Transfer of Authorities § 611.505 Farm Credit Administration review. (a) Upon receipt of the board of directors resolution...

  20. To what extent does banks' credit stimulate economic growth ...

    African Journals Online (AJOL)

    This study examines the extent to which banks' credit affects economic growth in Nigeria. The data used was collected from the Central Bank of Nigeria statistical bulletin for a period of 24 years from 1990 to 2013. We used credit to the private sector, credit to the public sector and inflation to proxy commercial bank credit ...

  1. The National Credit Act Regarding Suretyships and Reckless Lending

    African Journals Online (AJOL)

    In terms of the National Credit Act a credit provider may conclude a credit agreement with a consumer only after he has made a proper financial assessment and concludes that the consumer will be able to satisfy all of his obligations under all his credit agreements. However, a practice of not conducting this affordability ...

  2. 12 CFR 614.4010 - Agricultural credit banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit banks. 614.4010 Section 614.4010 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending Authorities § 614.4010 Agricultural credit banks. (a) Long-term real estate lending. Except to the...

  3. 12 CFR 614.4000 - Farm Credit Banks.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Farm Credit Banks. 614.4000 Section 614.4000 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Lending Authorities § 614.4000 Farm Credit Banks. (a) Long-term real estate lending. Except to the extent such...

  4. 12 CFR 702.307 - Incentives for new credit unions.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Incentives for new credit unions. 702.307 Section 702.307 Banks and Banking NATIONAL CREDIT UNION ADMINISTRATION REGULATIONS AFFECTING CREDIT UNIONS PROMPT CORRECTIVE ACTION Alternative Prompt Corrective Action for New Credit Unions § 702.307 Incentives...

  5. 78 FR 940 - Sunshine Act Meetings; Farm Credit Administration Board

    Science.gov (United States)

    2013-01-07

    ... From the Federal Register Online via the Government Publishing Office FARM CREDIT ADMINISTRATION Sunshine Act Meetings; Farm Credit Administration Board AGENCY: Farm Credit Administration. SUMMARY: Notice... Credit Administration Board (Board). DATE AND TIME: The regular meeting of the Board will be held at the...

  6. 78 FR 63380 - Farm Credit Administration Board Policy Statements

    Science.gov (United States)

    2013-10-24

    ... From the Federal Register Online via the Government Publishing Office FARM CREDIT ADMINISTRATION 12 CFR Chapter VI Farm Credit Administration Board Policy Statements AGENCY: Farm Credit Administration. ACTION: Notice of policy statements and index. SUMMARY: The Farm Credit Administration (FCA), as...

  7. 78 FR 67362 - Farm Credit Administration Board Sunshine Act Meeting

    Science.gov (United States)

    2013-11-12

    ... From the Federal Register Online via the Government Publishing Office FARM CREDIT ADMINISTRATION Farm Credit Administration Board Sunshine Act Meeting AGENCY: Farm Credit Administration. SUMMARY... Farm Credit Administration Board (Board). DATE AND TIME: The regular meeting of the Board will be held...

  8. 78 FR 54893 - Farm Credit Administration Board; Sunshine Act Meeting

    Science.gov (United States)

    2013-09-06

    ... From the Federal Register Online via the Government Publishing Office FARM CREDIT ADMINISTRATION Farm Credit Administration Board; Sunshine Act Meeting AGENCY: Farm Credit Administration. SUMMARY... Farm Credit Administration Board (Board). DATE AND TIME: The regular meeting of the Board will be held...

  9. 78 FR 9691 - Farm Credit Administration Board; Sunshine Act Meeting

    Science.gov (United States)

    2013-02-11

    ... From the Federal Register Online via the Government Publishing Office ] FARM CREDIT ADMINISTRATION Farm Credit Administration Board; Sunshine Act Meeting AGENCY: Farm Credit Administration. SUMMARY... Farm Credit Administration Board (Board). DATE AND TIME: The regular meeting of the Board will be held...

  10. 78 FR 73534 - Farm Credit Administration Board; Sunshine Act Meeting

    Science.gov (United States)

    2013-12-06

    ... From the Federal Register Online via the Government Publishing Office FARM CREDIT ADMINISTRATION Farm Credit Administration Board; Sunshine Act Meeting AGENCY: Farm Credit Administration. SUMMARY... Farm Credit Administration Board (Board). DATE AND TIME: The regular meeting of the Board will be held...

  11. 40 CFR 1042.715 - Banking emission credits.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Banking emission credits. 1042.715..., Banking, and Trading for Certification § 1042.715 Banking emission credits. (a) Banking is the retention of emission credits by the manufacturer generating the emission credits for use in future model years...

  12. Resource Productivity And Economic Efficiency Of Farm Credit And ...

    African Journals Online (AJOL)

    Credit facilities should also be extended to the Non Farm Credit Users to enable them purchase improved planting materials and hire more farm hands. Extension agents should be made to carry out an enlightenment programme, to sensitize the non farm credit users on the importance of farm credit in agricultural ...

  13. 12 CFR 220.7 - Broker-dealer credit account.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Broker-dealer credit account. 220.7 Section 220... SYSTEM CREDIT BY BROKERS AND DEALERS (REGULATION T) § 220.7 Broker-dealer credit account. (a) Requirements. In a broker-dealer credit account, a creditor may effect or finance transactions in accordance...

  14. Impacts of changing water price and availability on irrigated dairy farms in northern Victoria

    OpenAIRE

    Ho, Christie K.M.; Armstrong, Dan P.; Doyle, Peter T.; Malcolm, Bill

    2004-01-01

    Farming systems throughout the Murray-Darling Basin are under increasing scrutiny from the perspective of ecological sustainability of farm and catchment systems. In northern Victoria, the dairy industry is a major user of water, and contributes to the environmental issues. Changes in irrigation water price, availability and policy will invariably impact on the viability of dairy farming in this region, but the diversity of dairy farm systems suggests that the impact will vary between farms. ...

  15. Imperialist women in Edwardian Britain : the Victoria League, 1899-1914

    OpenAIRE

    Riedi, Elizabeth L.

    1998-01-01

    This thesis, based on private papers, society records, autobiographies and memoirs, newspapers and periodicals, examines one mainly female imperialist organisation - the Victoria League - and the women who ran it. It considers two related questions - what made Edwardian women imperialist, and how, within the limits of Edwardian society, could they express their imperialism? The thesis shows that several of the League's founders and executive had visited South Africa during or s...

  16. Lake Victoria wetlands and the ecology of the Nile tilapia, Oreochromis niloticus Linne

    OpenAIRE

    Balirwa, J.S.

    1998-01-01

    An ecological study of wetlands was undertaken in northern Lake Victoria (East Africa) between 1993 and 1996 with a major aim of characterising shallow vegetation-dominated interface habitats, and evaluating their importance for fish, in particular, for the stocked and socio-economically important Oreochromis niloticus LINNÉ (the Nile tilapia). From field and laboratory experiments, five major habitat types could be defined by the type of the dominant emergent ma...

  17. Intestinal schistosomiasis among preschool children along the shores of Lake Victoria in Uganda

    DEFF Research Database (Denmark)

    Nalugwa, A.; Olsen, Annette; Tukahebwa, M. E.

    2015-01-01

    prevalence and intensity of infection were examined in 3058 children from 5 districts along Lake Victoria shoreline, eastern Uganda. For each child one stool sample was collected on three consecutive days. The Kato-Katz technique was used to prepare stool smears on slides for microscopic examination. Short...... for schistosomiasis takes preschool children into consideration and that health education on transmission of schistosomiasis is delivered to the endemic communities regularly....

  18. A Comparison of digestive Tract Morphology in muskoxen and caribou from Victoria Island, Northwest Territories, Canada

    Directory of Open Access Journals (Sweden)

    Hans Staaland

    1997-04-01

    Full Text Available Although caribou and muskoxen coexist in close proximity on southeastern Victoria Island, they appear primarily adapted to different diets and foraging strategies. Visual inspection and analysis of rumen contents for fiber and lignin from the study (unpubl. also indicate a predominantly graminoid diet in the muskoxen and a more varied diet with a substantial browse component in the caribou.This should reduce the likelihood of competition for limited food resources in winter.

  19. B chromosomes have a functional effect on female sex determination in Lake Victoria cichlid fishes.

    Directory of Open Access Journals (Sweden)

    Kohta Yoshida

    2011-08-01

    Full Text Available The endemic cichlid fishes in Lake Victoria are a model system for speciation through adaptive radiation. Although the evolution of the sex-determination system may also play a role in speciation, little is known about the sex-determination system of Lake Victoria cichlids. To understand the evolution of the sex-determination system in these fish, we performed cytogenetic analysis in 11 cichlid species from Lake Victoria. B chromosomes, which are present in addition to standard chromosomes, were found at a high prevalence rate (85% in these cichlids. In one species, B chromosomes were female-specific. Cross-breeding using females with and without the B chromosomes demonstrated that the presence of the B chromosomes leads to a female-biased sex ratio in this species. Although B chromosomes were believed to be selfish genetic elements with little effect on phenotype and to lack protein-coding genes, the present study provides evidence that B chromosomes have a functional effect on female sex determination. FISH analysis using a BAC clone containing B chromosome DNA suggested that the B chromosomes are derived from sex chromosomes. Determination of the nucleotide sequences of this clone (104.5 kb revealed the presence of several protein-coding genes in the B chromosome, suggesting that B chromosomes have the potential to contain functional genes. Because some sex chromosomes in amphibians and arthropods are thought to be derived from B chromosomes, the B chromosomes in Lake Victoria cichlids may represent an evolutionary transition toward the generation of sex chromosomes.

  20. Salinity in Water Markets : An ExperimentalInvestigation of the Sunraysia Salinity Levy, Victoria

    OpenAIRE

    C. Duke; L. Gangadharan

    2005-01-01

    Irrigation can have a significant negative impact on the environment. Irrigation impacts contribute a significant portion to the estimated forty six million dollar cost per annum of salinity in the Murray River, Australia. Policies available to regulators include externality taxes and levies. In 2002 the Victorian Government introduced a system of salinity levies in the irrigation regions of Sunraysia, northern Victoria. These levies differ from typical taxes because they also introduce trade...

  1. Satellite-Based Assessment of the spatial extent of Aquatic Vegetation in Lake Victoria

    Science.gov (United States)

    Clark, W.; Aligeti, N.; Jeyaprakash, T.; Martins, M.; Stodghill, J.; Winstanley, H.

    2011-12-01

    Lake Victoria in Africa is the second largest freshwater lake in the world and is known for its abundance of aquatic wildlife. In particular over 200 different fish species are caught and sold by local fisherman. The lake is a major contributor to the local economy as a corridor of transportation, source of drinking water, and source of hydropower. However, the invasion of aquatic vegetation such as water hyacinth in the lake has disrupted each of these markets. Aquatic vegetation now covers a substantial area of the coastline blocking waterways, disrupting hydropower, hindering the collection of drinking water and decreasing the profitability of fishing. The vegetation serves as a habitat for disease carrying mosquitoes as well as snakes and snails that spread the parasitic disease bilharzia. The current control measures of invasive aquatic vegetation rely on biological, chemical and mechanical control. The objective of this study was to utilize remote sensing to map aquatic vegetation within Lake Victoria from 2000 to 2011. MODIS, Landsat 4-5TM, and Landsat 7-ETM imagery was employed to perform change detections in vegetation and identify the extent of aquatic vegetation throughout the years. The efficiency of containment efforts were evaluated and ideal time for application of such efforts were suggested. A methodology for aquatic vegetation surveillance was created. The results of this project were presented as a workshop to the Lake Victoria Fisheries Organization, SERVIR, and other partner organizations. The workshop provided instruction into the use of NASA and other satellite derived products. Time series animations of the spatial extent of aquatic vegetation within the lake were created. By identifying seasons of decreased aquatic vegetation, ideal times to employ control efforts were identified. SERVIR will subsequently utilize the methodologies and mapping results of this study to develop operational aquatic vegetation surveillance for Lake Victoria.

  2. B chromosomes have a functional effect on female sex determination in Lake Victoria cichlid fishes.

    Science.gov (United States)

    Yoshida, Kohta; Terai, Yohey; Mizoiri, Shinji; Aibara, Mitsuto; Nishihara, Hidenori; Watanabe, Masakatsu; Kuroiwa, Asato; Hirai, Hirohisa; Hirai, Yuriko; Matsuda, Yoichi; Okada, Norihiro

    2011-08-01

    The endemic cichlid fishes in Lake Victoria are a model system for speciation through adaptive radiation. Although the evolution of the sex-determination system may also play a role in speciation, little is known about the sex-determination system of Lake Victoria cichlids. To understand the evolution of the sex-determination system in these fish, we performed cytogenetic analysis in 11 cichlid species from Lake Victoria. B chromosomes, which are present in addition to standard chromosomes, were found at a high prevalence rate (85%) in these cichlids. In one species, B chromosomes were female-specific. Cross-breeding using females with and without the B chromosomes demonstrated that the presence of the B chromosomes leads to a female-biased sex ratio in this species. Although B chromosomes were believed to be selfish genetic elements with little effect on phenotype and to lack protein-coding genes, the present study provides evidence that B chromosomes have a functional effect on female sex determination. FISH analysis using a BAC clone containing B chromosome DNA suggested that the B chromosomes are derived from sex chromosomes. Determination of the nucleotide sequences of this clone (104.5 kb) revealed the presence of several protein-coding genes in the B chromosome, suggesting that B chromosomes have the potential to contain functional genes. Because some sex chromosomes in amphibians and arthropods are thought to be derived from B chromosomes, the B chromosomes in Lake Victoria cichlids may represent an evolutionary transition toward the generation of sex chromosomes.

  3. Leuconidae (Crustacea: Cumacea) from the collections of the Museum Victoria, Australia.

    Science.gov (United States)

    Gerken, Sarah

    2016-01-21

    The collections of the Museum Victoria have yielded six new leuconid species in five genera from Australian waters: Austroleucon adiazetos n. sp., A. dolosolevis n. sp., Eudorellopsis mykteros n. sp., Kontiloleucon australiensis n. gen., n. sp., Leucon (Alytoleucon) dolichorhinos n. sp., Ommatoleucon megalopos n. sp. as well as the new genus Kontiloleucon. Leucon (Leucon) echinolophotos n. sp. is a new species from off Enderby Land, Antarctica. Keys to the Australian leuconid genera and species are included.

  4. Derivatives and credit contagion in interconnected networks

    Science.gov (United States)

    Heise, S.; Kühn, R.

    2012-04-01

    The importance of adequately modeling credit risk has once again been highlighted in the recent financial crisis. Defaults tend to cluster around times of economic stress due to poor macro-economic conditions, but also by directly triggering each other through contagion. Although credit default swaps have radically altered the dynamics of contagion for more than a decade, models quantifying their impact on systemic risk are still missing. Here, we examine contagion through credit default swaps in a stylized economic network of corporates and financial institutions. We analyse such a system using a stochastic setting, which allows us to exploit limit theorems to exactly solve the contagion dynamics for the entire system. Our analysis shows that, by creating additional contagion channels, CDS can actually lead to greater instability of the entire network in times of economic stress. This is particularly pronounced when CDS are used by banks to expand their loan books (arguing that CDS would offload the additional risks from their balance sheets). Thus, even with complete hedging through CDS, a significant loan book expansion can lead to considerably enhanced probabilities for the occurrence of very large losses and very high default rates in the system. Our approach adds a new dimension to research on credit contagion, and could feed into a rational underpinning of an improved regulatory framework for credit derivatives.

  5. Theoretical concept of credit risk management

    Directory of Open Access Journals (Sweden)

    Dragosavac Miloš

    2014-01-01

    Full Text Available With the development of the banking business and the economy, exposure to different types of risk becomes greater. Identifying all risks and adequate measures have become an extremely important factor in business success in the increasingly complex economic conditions. Risks in business, in the last ten years have become the burning issue in debates among the scientific experts. With the aim of stable development of its business and equal participation in a large competitive market, primarily in order to protect its depositors and preserve system stability and liquidity, banks have to incorporate into their strategic goals the strategies of banking risks. Credit risk is of great value within the overall risks that accompany the business activity of banks, economy, and other forms of business organization. Its nature and presence in all segments of the business activities speak enough about its importance and the need for its management. Permanently growing trend of credit risk is a reality faced by not only the banking organization, but also the subjects in the economic and non-economic sector, which makes the issue of credit risk extremely important and relevant. The subject of this paper is a theoretical analysis of credit risk in banking business. Banking operations are increasingly exposed to credit risk, which indicates the inability of banks to settle their claims based on previously approved loans, and this is the case-in-point for this specific research subject.

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

    NARCIS (Netherlands)

    Bongaerts, D.G.J.

    2010-01-01

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

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

    NARCIS (Netherlands)

    Cheng, X.; Degryse, H.A.

    2010-01-01

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

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

    NARCIS (Netherlands)

    Fabbri, D.; Klapper, L.F.

    2008-01-01

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

  9. Getting Ahead with Dual Credit: Dual-Credit Participation, Outcomes, and Opportunities in Idaho

    Science.gov (United States)

    Holten, Brandi; Pierson, Ashley

    2016-01-01

    This report provides a portrait of dual-credit participation rates and trends between the 2011-12 and 2014-15 school years. Dual-credit participation by demographic characteristics such as race/ethnicity, gender, and socioeconomic status is explored throughout each of the five briefs contained within this report. Each report brief also includes…

  10. The national credit act's remedies for reckless credit in the mortgage ...

    African Journals Online (AJOL)

    The National Credit Act 34 of 2005 prohibits the granting of reckless credit and also provides for certain remedies that courts can grant to consumers who have fallen victim to reckless lending practices. Depending on the circumstances, these remedies are the partial or full setting aside of the consumer's rights and ...

  11. Agricultural Nutrient Nonpoint Source Credits: A Comparison of State Crediting Procedures

    OpenAIRE

    Latane, Annah; Stephenson, Kurt

    2011-01-01

    This paper compares agricultural nonpoint source crediting procedures between the Pennsylvania and Virginia nutrient trading programs. Differences in farm-level credit production across states will be evaluated for agricultural operations, holding nutrient reduction technologies constant. The implications for the agricultural sector and water quality are discussed.

  12. Credit-Card Bill Seeks to Protect Students but Could Limit Their Access to Credit

    Science.gov (United States)

    Field, Kelly

    2009-01-01

    Congress passed legislation last week that would shield students and other consumers from sudden spikes in interest rates and fees, but that could make it harder for young people to access credit to pay for college. The legislation would extend broad new consumer protections to all credit-card holders, offering special protections to college…

  13. 75 FR 81378 - Fiduciary Duties at Federal Credit Unions; Mergers and Conversions of Insured Credit Unions

    Science.gov (United States)

    2010-12-28

    ... NCUA's neutrality in the final rule and has made this change. A commenter also suggested including this..., where the net worth ratio of the merging credit union exceeds the net worth ratio of the continuing... are entitled to the net worth of a merging credit union. The NCUA Board disagrees. As discussed in the...

  14. The Evaluation of Trade Credit Insurance in Lithuanian Business Market as a Credit Risk Management Tool

    Directory of Open Access Journals (Sweden)

    Lezgovko Aleksandra

    2017-06-01

    Full Text Available In today’s trade, the vast majority of commercial transactions in both domestic and international trade are concluded by applying trade credit terms. The aim of this article is to analyse the trade credit insurance and, according to the methodology, to evaluate it as a credit risk management tool in the context of Lithuanian business market. The authors have proposed a methodology that combines theoretical and practical research methods. First of all, with assistance of qualitative analysis, the alternative external credit risk management tools were examined. Such analysis allows not only to identify the advantages, disadvantages and benefits of researched risk management tools but also to assess the efficiency and rationality of trade credit insurance in the context of alternative methods. In order to carry out an assessment in the practical aspect, considering the lack of statistical data, it was decided additionally to perform an expert evaluation. After performing an assessment of trade credit insurance, it was concluded that in international trade, with a large buyer portfolio and high sales volume, the trade credit insurance becomes the most effective and rational way to manage credit risk, which eliminates the losses because of the debtor’s insolvency or bankruptcy, manages countries and sector’s risks and helps to discipline the debtor, what determines the decline in overdue accounts frequencies, amounts and volumes.

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

    Directory of Open Access Journals (Sweden)

    K. K. Aggarwal

    2014-01-01

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

  16. Formal and informal credit in four provinces of Vietnam

    DEFF Research Database (Denmark)

    Barslund, Mikkel; Tarp, Finn

    2008-01-01

    This paper uses a survey of 932 rural households to uncover how the rural credit market operates in Vietnam. Households obtain credit through formal and informal lenders. Formal loans are almost entirely for production and asset accumulation, while informal loans are used for consumption...... smoothening. The determinants of formal and informal credit demand are distinct. While credit rationing depends on education and credit history, in particular, regional differences in the demand for credit are striking. A 'one size fits all' approach to credit policy in Vietnam would be inappropriate...

  17. Indian Kisan Credit Card Scheme: An Analytical Study

    Directory of Open Access Journals (Sweden)

    Dharmendra Mehta

    2016-03-01

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

  18. Urban eutrophication and its spurring conditions in the Murchison Bay of Lake Victoria.

    Science.gov (United States)

    Kabenge, Martin; Wang, Hongtao; Li, Fengting

    2016-01-01

    The efficiency of Lake Victoria in providing its ecosystem services to riparian states, both immediate and along the Nile river basin, is strongly related to its water quality. Over the past few decades, eutrophication has increased in the lake arising from increased inflow of nutrients. This study was carried out in the Murchison Bay area of Lake Victoria with the aims of assessing the progress of eutrophication nutrient enrichment into the lake between 1990 and 2014. Using Landsat satellite floating algae index (FAI) products and data from laboratory analysis of water samples, the study revealed that floating algae reoccurred periodically with coverage varying between 1 and 18 km(2). The findings also indicated that the range of nitrate-nitrogen concentrations increased greatly with maximum concentrations recorded at 31.2 mg l(-1) in 2007 from 0.084 mg l(-1) in 1990. The soluble reactive phosphorus concentration range showed a maximum of 1.45 mg l(-1) in 2007 from 0.043 mg l(-1) in 1990. The chlorophyll levels increased from an average of 17 μg l(-1) in 1992 by threefold in 1996 but had however declined and halved in intensity by 2011. The eutrophication that has occurred in Lake Victoria over the past decades has been due to pollution from industrial, residential, and agricultural areas within the catchment.

  19. Genetic structure of pelagic and littoral cichlid fishes from Lake Victoria.

    Directory of Open Access Journals (Sweden)

    Miyuki Takeda

    Full Text Available The approximately 700 species of cichlids found in Lake Victoria in East Africa are thought to have evolved over a short period of time, and they represent one of the largest known examples of adaptive radiation. To understand the processes that are driving this spectacular radiation, we must determine the present genetic structure of these species and elucidate how this structure relates to the ecological conditions that caused their adaptation. We analyzed the genetic structure of two pelagic and seven littoral species sampled from the southeast area of Lake Victoria using sequences from the mtDNA control region and 12 microsatellite loci as markers. Using a Bayesian model-based clustering method to analyze the microsatellite data, we separated these nine species into four groups: one group composed of pelagic species and another three groups composed mainly of rocky-shore species. Furthermore, we found significant levels of genetic variation between species within each group at both marker loci using analysis of molecular variance (AMOVA, although the nine species often shared mtDNA haplotypes. We also found significant levels of genetic variation between populations within species. These results suggest that initial groupings, some of which appear to have been related to habitat differences, as well as divergence between species within groups took place among the cichlid species of Lake Victoria.

  20. Women's experience of domiciliary postnatal care in Victoria and South Australia: a population-based survey.

    Science.gov (United States)

    Biro, Mary Anne; Yelland, Jane S; Sutherland, Georgina A; Brown, Stephanie J

    2012-11-01

    Despite the expansion of postnatal domiciliary services, we know little about the women receiving visits and how they regard their care. The aim of this study is to examine the provision of postnatal domiciliary care from a consumer perspective. All women who gave birth in September-October 2007 in South Australia and Victoria were mailed questionnaires 6 months after the birth. Women were asked if they had received a midwifery home visit, and to rate the care they received. More women in South Australia reported receiving a domiciliary visit than in Victoria (88.0% v. 76.0%) and they were more likely to rate their care as 'very good' (69.1% v. 63.4%). Younger women, women on a lower income, who were holding a healthcare concession card or who had not completed secondary education were less likely to receive a visit. Although the majority of women in public maternity care in Victoria and South Australia receive domiciliary care and rate it positively, there are significant state-based differences. Those more likely to benefit from domiciliary care are less likely to receive a visit. There is a need to further explore the purpose, aims and content of domiciliary care at individual and state-wide levels.

  1. Sediment Production from Settlements and Farmlands within Lake Victoria Shoreline Zone in Uganda and Tanzania

    Directory of Open Access Journals (Sweden)

    Isabirye, M.

    2010-01-01

    Full Text Available In spite of the general acceptance that the current land use changes are unlikely to yield a sustainable environment, the source of sediment that causes eutrophication in Lake Victoria is not clearly understood. It is hypothesized that roads, footpaths, and compounds (settlement are a major source of sediments. This study was conducted on the northern Lake Victoria shoreline to determine the rate of sediment generated by agricultural and settlement land use types. Results show that settlements generate significantly higher sediment yields i.e. between 17- 87 ton.ha-1. yr -1 whereas agricultural land use types produced between 0-27 ton ha-1.yr-1. The high sediment yield from settlements is attributed to high runoff coefficients and the occurrence of gully erosion. The high sediment yield from settlements justifies the need to conduct further investigations on the contribution of settlements to sediment production in catchments with different soil - landscape and climatic setting in the Lake Victoria catchment.

  2. Classification of debtor credit status and determination amount of credit risk by using linier discriminant function

    Science.gov (United States)

    Aidi, Muhammad Nur; Sari, Resty Indah

    2012-05-01

    A decision of credit that given by bank or another creditur must have a risk and it called credit risk. Credit risk is an investor's risk of loss arising from a borrower who does not make payments as promised. The substantial of credit risk can lead to losses for the banks and the debtor. To minimize this problem need a further study to identify a potential new customer before the decision given. Identification of debtor can using various approaches analysis, one of them is by using discriminant analysis. Discriminant analysis in this study are used to classify whether belonging to the debtor's good credit or bad credit. The result of this study are two discriminant functions that can identify new debtor. Before step built the discriminant function, selection of explanatory variables should be done. Purpose of selection independent variable is to choose the variable that can discriminate the group maximally. Selection variables in this study using different test, for categoric variable selection of variable using proportion chi-square test, and stepwise discriminant for numeric variable. The result of this study are two discriminant functions that can identify new debtor. The selected variables that can discriminating two groups of debtor maximally are status of existing checking account, credit history, credit amount, installment rate in percentage of disposable income, sex, age in year, other installment plans, and number of people being liable to provide maintenance. This classification produce a classification accuracy rate is good enough, that is equal to 74,70%. Debtor classification using discriminant analysis has risk level that is small enough, and it ranged beetwen 14,992% and 17,608%. Based on that credit risk rate, using discriminant analysis on the classification of credit status can be used effectively.

  3. Ombud’s Corner: due credit!

    CERN Multimedia

    Sudeshna Datta-Cockerill

    2016-01-01

    Patents, copyrights, trademarks… there are many ways to protect intellectual property and yet, despite these precautionary measures, it seems that colleagues sometimes still slip up: plots done by one person are used in another’s presentation without being appropriately credited, citations are wrongly assigned, references are inaccurate…   Plagiarism and misappropriation do not only happen in the worlds of art, music and literature. Often in our world, during the preparation phase of a scientific paper or even just in their daily work, scientists are required to share the work of many contributors and sometimes they do not keep track of who did what. No-one minds as long as this stays within the limits of teamwork, in which credits are distributed evenly and nobody’s contribution gets forgotten. Problems arise however, when one person’s work ends up being presented by another without the correct credit, or indeed when someone is held back from p...

  4. Rare disasters, credit, and option market puzzles

    DEFF Research Database (Denmark)

    Christoffersen, Peter; Du, Du; Elkamhi, Redouane

    2017-01-01

    spreads. The model also matches high-yield and collaterized debt obligation tranche spreads, equity market moments, and index option skewness. Finally, our model implies a time-varying relationship between bond and option prices that depends on the state of the economy and that explains the conflicting......We embed systematic default, procyclical recovery rates, and external habit persistence into a model with a slight possibility of a macroeconomic disaster of reasonable magnitude. We derive analytical solutions for defaultable bond prices and show that a single set of structural parameters...... calibrated to the real economy can simultaneously explain several key empirical regularities in equity, credit, and options markets. Our model captures the empirical level and volatility of credit spreads, generates a flexible credit risk term structure, and provides a good fit to a century of observed...

  5. Credit Institutions Management Evaluation using Quantitative Methods

    Directory of Open Access Journals (Sweden)

    Nicolae Dardac

    2006-02-01

    Full Text Available Credit institutions supervising mission by state authorities is mostly assimilated with systemic risk prevention. In present, the mission is orientated on analyzing the risk profile of the credit institutions, the mechanism and existing systems as management tools providing to bank rules the proper instruments to avoid and control specific bank risks. Rating systems are sophisticated measurement instruments which are capable to assure the above objectives, such as success in banking risk management. The management quality is one of the most important elements from the set of variables used in the quoting process in credit operations. Evaluation of this quality is – generally speaking – fundamented on quantitative appreciations which can induce subjectivism and heterogeneity in quotation. The problem can be solved by using, complementary, quantitative technics such us DEA (Data Envelopment Analysis.

  6. Credit Institutions Management Evaluation using Quantitative Methods

    Directory of Open Access Journals (Sweden)

    Nicolae Dardac

    2006-04-01

    Full Text Available Credit institutions supervising mission by state authorities is mostly assimilated with systemic risk prevention. In present, the mission is orientated on analyzing the risk profile of the credit institutions, the mechanism and existing systems as management tools providing to bank rules the proper instruments to avoid and control specific bank risks. Rating systems are sophisticated measurement instruments which are capable to assure the above objectives, such as success in banking risk management. The management quality is one of the most important elements from the set of variables used in the quoting process in credit operations. Evaluation of this quality is – generally speaking – fundamented on quantitative appreciations which can induce subjectivism and heterogeneity in quotation. The problem can be solved by using, complementary, quantitative technics such us DEA (Data Envelopment Analysis.

  7. Estimation of transition probabilities of credit ratings

    Science.gov (United States)

    Peng, Gan Chew; Hin, Pooi Ah

    2015-12-01

    The present research is based on the quarterly credit ratings of ten companies over 15 years taken from the database of the Taiwan Economic Journal. The components in the vector mi (mi1, mi2,⋯, mi10) may first be used to denote the credit ratings of the ten companies in the i-th quarter. The vector mi+1 in the next quarter is modelled to be dependent on the vector mi via a conditional distribution which is derived from a 20-dimensional power-normal mixture distribution. The transition probability Pkl (i ,j ) for getting mi+1,j = l given that mi, j = k is then computed from the conditional distribution. It is found that the variation of the transition probability Pkl (i ,j ) as i varies is able to give indication for the possible transition of the credit rating of the j-th company in the near future.

  8. LEGAL ASPECTS OF THE REGULATORY FRAMEWORK FOR CREDIT RATING AGENCIES

    OpenAIRE

    Oana Mihaela MARIOARA (ORHEIAN); Ioana Gabriela GRIGORESCU

    2014-01-01

    This article makes an analysis of the main regulations used by the credit rating agencies on the financial market. The article describes the main specific legislation on credit rating agencies existing on the market. Credit rating agencies are issuing independent opinions on the reliability of an entity, of a debt, of financial obligations, or of a certain financial instrument. The credit ratings issued by the credit rating agencies established in the European Union are analysed by investo...

  9. Correlates of credit card ownership in men and women.

    Science.gov (United States)

    Yang, Bijou; Lester, David

    2005-06-01

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

  10. 12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans and chartered territory-Farm Credit Banks... ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Chartered Territories § 614.4070 Loans and chartered territory—Farm Credit Banks, agricultural credit banks, Federal land bank associations, Federal...

  11. A Random Matrix Approach to Credit Risk

    Science.gov (United States)

    Guhr, Thomas

    2014-01-01

    We estimate generic statistical properties of a structural credit risk model by considering an ensemble of correlation matrices. This ensemble is set up by Random Matrix Theory. We demonstrate analytically that the presence of correlations severely limits the effect of diversification in a credit portfolio if the correlations are not identically zero. The existence of correlations alters the tails of the loss distribution considerably, even if their average is zero. Under the assumption of randomly fluctuating correlations, a lower bound for the estimation of the loss distribution is provided. PMID:24853864

  12. CAUTIOUS PRACTICE IN ACCOUNTANCY CREDIT UNITS

    Directory of Open Access Journals (Sweden)

    Riana Iren RADU

    2006-01-01

    Full Text Available The constitution of the specific risk prevision refers to their creation and is realized including in the cost the sum representing the level of the necessary specific risk provisions, in case there is no provision. The constitutions, regulation and the utilization of specific risk provisions will be realized using the credit currency and/or the investments they correct. Specific risk provisions are to be determined only for the client’s balance sheet engagements. The calculation for the necessary volume of provisions is realized for each and every credit contract referring to the final client classification category.

  13. A random matrix approach to credit risk.

    Directory of Open Access Journals (Sweden)

    Michael C Münnix

    Full Text Available We estimate generic statistical properties of a structural credit risk model by considering an ensemble of correlation matrices. This ensemble is set up by Random Matrix Theory. We demonstrate analytically that the presence of correlations severely limits the effect of diversification in a credit portfolio if the correlations are not identically zero. The existence of correlations alters the tails of the loss distribution considerably, even if their average is zero. Under the assumption of randomly fluctuating correlations, a lower bound for the estimation of the loss distribution is provided.

  14. Comparison of mortality following hospitalisation for isolated head injury in England and Wales, and Victoria, Australia.

    Directory of Open Access Journals (Sweden)

    Belinda J Gabbe

    Full Text Available BACKGROUND: Traumatic brain injury (TBI remains a leading cause of death and disability. The National Institute for Health and Clinical Excellence (NICE guidelines recommend transfer of severe TBI cases to neurosurgical centres, irrespective of the need for neurosurgery. This observational study investigated the risk-adjusted mortality of isolated TBI admissions in England/Wales, and Victoria, Australia, and the impact of neurosurgical centre management on outcomes. METHODS: Isolated TBI admissions (>15 years, July 2005-June 2006 were extracted from the hospital discharge datasets for both jurisdictions. Severe isolated TBI (AIS severity >3 admissions were provided by the Trauma Audit and Research Network (TARN and Victorian State Trauma Registry (VSTR for England/Wales, and Victoria, respectively. Multivariable logistic regression was used to compare risk-adjusted mortality between jurisdictions. FINDINGS: Mortality was 12% (749/6256 in England/Wales and 9% (91/1048 in Victoria for isolated TBI admissions. Adjusted odds of death in England/Wales were higher compared to Victoria overall (OR 2.0, 95% CI: 1.6, 2.5, and for cases <65 years (OR 2.36, 95% CI: 1.51, 3.69. For severe TBI, mortality was 23% (133/575 for TARN and 20% (68/346 for VSTR, with 72% of TARN and 86% of VSTR cases managed at a neurosurgical centre. The adjusted mortality odds for severe TBI cases in TARN were higher compared to the VSTR (OR 1.45, 95% CI: 0.96, 2.19, but particularly for cases <65 years (OR 2.04, 95% CI: 1.07, 3.90. Neurosurgical centre management modified the effect overall (OR 1.12, 95% CI: 0.73, 1.74 and for cases <65 years (OR 1.53, 95% CI: 0.77, 3.03. CONCLUSION: The risk-adjusted odds of mortality for all isolated TBI admissions, and severe TBI cases, were higher in England/Wales when compared to Victoria. The lower percentage of cases managed at neurosurgical centres in England and Wales was an explanatory factor, supporting the changes made to the NICE

  15. Aquatic and fisheries survey of the upper Victoria Nile: a report prepared for AES Nile Power Bujagali hydropower project, final report

    OpenAIRE

    2000-01-01

    The aquatic ecosystem of the Upper Victoria Nile is part of a wider complex of water bodies (lakes and rivers) in Uganda that is of immense socioeconomic importance, especially the fisheries. A source of food, income, energy, irrigation and drinking water, the protection, sustainable use and management of the Upper Victoria Nile water resources are vital to Uganda's economy. The Upper Victoria Nile,due to its abundance of socio-economic benefits,provides a significant contribution to Ugand...

  16. Impacts of population growth and economic development on water quality of a lake: case study of Lake Victoria Kenya water.

    Science.gov (United States)

    Juma, Dauglas Wafula; Wang, Hongtao; Li, Fengting

    2014-04-01

    Anthropogenic-induced water quality pollution is a major environmental problem in freshwater ecosystems today. As a result of this, eutrophication of lakes occurs. Population and economic development are key drivers of water resource pollution. To evaluate how growth in the riparian population and in the gross domestic product (GDP) with unplanned development affects the water quality of the lake, this paper evaluates Lake Victoria Kenyan waters basin. Waters quality data between 1990 and 2012 were analyzed along with reviews of published literature, papers, and reports. The nitrate-nitrogen (NO3-N), soluble phosphorus (PO4-P), chlorophyll a, and Secchi transparencies were evaluated as they are key water quality indicators. The NO3-N increased from 10 μg l(-1) in 1990 to 98 μg 1(-1) in 2008, while PO4-P increased from 4 μg l(-1) in 1990 to 57 μg l(-1) in 2008. The population and economic growth of Kenya are increasing with both having minimums in 1990 of 24.143 million people and 12.18 billion US dollars, to maximums in 2010 of 39.742 million people and 32.163 billion US dollars, respectively. A Secchi transparency is reducing with time, indicating an increasing pollution. This was confirmed by an increase in aquatic vegetation using an analysis of moderate resolution imaging spectroradiometer (MODIS) images of 2000 and 2012 of Kenyan waters. This study found that increasing population and GDP increases pollution discharge thus polluting lakes. One of major factors causing lake water pollution is the unplanned or poor waste management policy and service.

  17. ACCESS TO MICRO CREDIT AND ECONOMIC EMPOWERMENT ...

    African Journals Online (AJOL)

    Prof

    as eradication of all forms of gender discrimination as a sustainable approach to socio-economic empowerment of women in Yenagoa,. Bayelsa State. Keywords: Micro credit, Accessibility, Economic empowerment, Gender discrimination, Market women, Nigeria. Introduction. Until recently, national planning and associated ...

  18. Annual Credit and Financing Report, 1970.

    Science.gov (United States)

    Bureau of Indian Affairs (Dept. of Interior), Washington, DC.

    The 1970 Annual Credit and Financing Report of the Bureau of Indian Affairs describes the financing available for economic advancement of American Indians. Specific programs and their results are cited in such areas as housing, small business, agriculture, and education. The appendix contains 41 tables which include information such as loans made,…

  19. Online Dual Credit Mathematics for Rural Schools

    Science.gov (United States)

    Harris, Roy Joe; Stovall, Sarah T.

    2013-01-01

    Students from small rural schools (class 1A, 2A, and 3A) historically have not had access to dual credit courses for several reasons including distance from a college campus, affordability, and district teaching strength. In an effort to address these problems and to begin the college experience sooner, a new program was developed by the…

  20. 76 FR 54991 - Corporate Credit Unions

    Science.gov (United States)

    2011-09-06

    ... Facility (CLF) stock subscriptions, clarify certain requirements regarding investment action plans, clarify... definition to also exclude CLF stock subscriptions. The Board believes the credit risk of carrying this asset is negligible and warrants such treatment, as CLF stock is putable at par. Further, the Board...

  1. Wind Capacity Credit in the United States

    Energy Technology Data Exchange (ETDEWEB)

    Milligan, M.; Porter, K.

    2008-01-01

    The objective of this paper is to provide an analysis and comparison of recent studies on the capacity credit of wind in the United States. We offer suggestions and recommendations for future studies, based on the recent work. We examine key wind capacity studies in the United States, emphasizing those done in the past three years.

  2. Trade credit, collateral liquidation and borrowing constraints

    NARCIS (Netherlands)

    Fabbri, D.; Menichini, A.M.C.

    2009-01-01

    The paper proposes a model of collateralized bank and trade credit. Firms use a two-input technology. Assuming that the supplier is better able to extract value from existing assets and has an information advantage over other creditors, the paper derives a series of predictions. (1) Financially

  3. Credit assignment during movement reinforcement learning.

    Science.gov (United States)

    Dam, Gregory; Kording, Konrad; Wei, Kunlin

    2013-01-01

    We often need to learn how to move based on a single performance measure that reflects the overall success of our movements. However, movements have many properties, such as their trajectories, speeds and timing of end-points, thus the brain needs to decide which properties of movements should be improved; it needs to solve the credit assignment problem. Currently, little is known about how humans solve credit assignment problems in the context of reinforcement learning. Here we tested how human participants solve such problems during a trajectory-learning task. Without an explicitly-defined target movement, participants made hand reaches and received monetary rewards as feedback on a trial-by-trial basis. The curvature and direction of the attempted reach trajectories determined the monetary rewards received in a manner that can be manipulated experimentally. Based on the history of action-reward pairs, participants quickly solved the credit assignment problem and learned the implicit payoff function. A Bayesian credit-assignment model with built-in forgetting accurately predicts their trial-by-trial learning.

  4. Credit Documentation and the Mark 15 Subroutine

    Energy Technology Data Exchange (ETDEWEB)

    McAllister, J.E.

    2001-08-16

    This report documents the rewrite of the heat transfer subroutine. Part of the process of preparing the Mark 15 assembly for production operation is the development of thermal-hydraulic limits for the assembly. These limits require, among other items, the development of a Mark 15 assembly subroutine for the CREDIT code.

  5. 75 FR 64785 - Corporate Credit Unions

    Science.gov (United States)

    2010-10-20

    ... standards over Basel II, stating that Basel I was adequate and less complex. The Board agrees with these... standards contained in this rulemaking are different than the Basel II advanced standards that very large... From the Federal Register Online via the Government Publishing Office ] Part II National Credit...

  6. The investment tax credit under monopolistic competition

    NARCIS (Netherlands)

    Broer, DP; Heijdra, BJ

    This pager develops a dynamic model of monopolistic competition with finite lives. It investigates the welfare properties of an investment tax credit (ITC) for both finite and infinite lives. For infinite lives, it shows that, lacking lump-sum taxes, an ITC suffices to attain a second-best solution.

  7. 76 FR 41590 - Equal Credit Opportunity

    Science.gov (United States)

    2011-07-15

    ... in the event that a consumer reporting agency does not provide the key factors with the score. Under... particular creditor, as opposed to those developed by consumer reporting agencies or by a scoring company for... the Fair Credit Reporting Act (FCRA) also requires a person to provide a notice when the person takes...

  8. 76 FR 34010 - Credit Risk Retention

    Science.gov (United States)

    2011-06-10

    ...) 402-5216 (this is not a toll-free number). Persons with hearing or speech impairments may access this... of asset-backed securities (``ABS'') to retain an economic interest of no less than five percent in the credit risk of the assets collateralizing the ABS. Section 15G includes a variety of exemptions...

  9. The determinants of trade credit use

    NARCIS (Netherlands)

    Hermes, Niels; Kihanga, Ernest; Lensink, Robert; Lutz, Clemens

    2015-01-01

    Most small businesses in the developing economies suffer from a lack of access to formal external finance. One important alternative source of finance for these entrepreneurs is trade credit. Applying a unique data-set containing data on specific trade relations between rice wholesalers and rice

  10. Sovereign Credit Risk, Liquidity, and ECB Intervention

    DEFF Research Database (Denmark)

    Pelizzon, Loriana; Subrahmanyam, Marti G.; Tomio, Davide

    be ascribed mainly to changes in margins and collateral. Moreover, we show that the long-term refinancing operations (LTRO) intervention by the ECB weakened the sensitivity of the liquidity provision by the market makers to changes in the Italian government's credit risk, by providing them with vastly...

  11. Understanding Credit Risk: A Classroom Experiment

    Science.gov (United States)

    Servatka, Maros; Theocharides, George

    2011-01-01

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

  12. 75 FR 80866 - Credit Rating Standardization Study

    Science.gov (United States)

    2010-12-23

    ... stress; and standardizing credit rating terminology across asset classes, so that named ratings... Comments Use the Commission's Internet comment form ( http://www.sec.gov/rules/other.shtml ); or Send an e... the Commission's Internet Web site ( http://www.sec.gov ). Comments are also available for Web site...

  13. Teaching the Rules of Debit and Credit

    Science.gov (United States)

    Potts, Andrew J.

    1974-01-01

    A fundamental method of explaining the basic accounting principles and concepts (debit, credit, basic accounting equation) which includes visual aids, reference to local businesses, and drill, does much toward increasing the student's skill and enhancing his understanding of the subject matter. (Sample transparencies are included.) (Author/AJ)

  14. 78 FR 72537 - Credit Union Service Organizations

    Science.gov (United States)

    2013-12-03

    ... disadvantage to their non-CUSO competitors. Commenters also expressed concern that certain requirements under... technology (IT), and custody, safekeeping, and investment management services for credit unions. C. What are... 4--A student lending CUSO sold participations of purchased student loans to six FICUs. Related loan...

  15. Trading biomass or GHG emission credits?

    NARCIS (Netherlands)

    Laurijssen, J|info:eu-repo/dai/nl/304840629; Faaij, A.P.C.|info:eu-repo/dai/nl/10685903X

    2009-01-01

    Global biomass potentials are considerable but unequally distributed over the world. Countries with Kyoto targets could import biomass to substitute for fossil fuels or invest in bio-energy projects in the country of biomass origin and buy the credits (Clean Development Mechanism (CDM) and Joint

  16. Competition in the Dutch consumer credit market

    NARCIS (Netherlands)

    Toolsema-Veldman, Linda

    2002-01-01

    This paper considers the degree of competitiveness of the Dutch consumer credit market. We use the well-known Bresnahan-Lau method that estimates a structural model consisting of a demand relation and a supply relation, based on aggregate data. The level of competition is derived from the estimated

  17. Competition in the Dutch consumer credit market

    NARCIS (Netherlands)

    Toolsema-Veldman, Linda

    2001-01-01

    This paper considers the degree of competitiveness of the Dutch consumer credit market. We use the well-known I Bresnahan-Lau method that estimates it structural model consisting of a demand relation and a supply relation, based on aggregate data. The level of compelition is derived from the

  18. The simulation system of credit portfolio evaluation

    Directory of Open Access Journals (Sweden)

    G. Magariu

    1999-02-01

    Full Text Available A simulation system of evaluation of a portfolio of credits is presented. The system answers user's question from the list of possible questions. Design, execution and analysis of results of experiments needed for the answer are controlled by user question. Input and output data may be precise as well as probabilistic.

  19. 75 FR 49510 - Credit Watch Termination Initiative

    Science.gov (United States)

    2010-08-13

    ...'s mortgagee approval regulations at 24 CFR 202.3. On May 17, 1999 HUD published a notice (64 FR... of FHA lenders on Credit Watch status (an evaluation period). In the May 17, 1999 notice, HUD advised... Santa Ana Field Drive, Diamond Bar, CA 91765. First Ohio Banc and Lending, 6100 Rockside Richmond 4/30...

  20. 75 FR 17944 - Credit Watch Termination Initiative

    Science.gov (United States)

    2010-04-08

    ...'s mortgagee approval regulations at 24 CFR 202.3. On May 17, 1999 HUD published a notice (64 FR... of FHA lenders on Credit Watch status (an evaluation period). In the May 17, 1999 notice, HUD advised... Ana 11/4/2009 Santa Ana. Field Drive, Diamond Bar, CA 91765. Freedom Plus Mortgage 43053 Margarita...

  1. SME Credit Financing, Financial Development and Economic ...

    African Journals Online (AJOL)

    This paper examines the impact of small and medium-scale enterprises (SMEs) credit financing and financial market development and their shocks on the output growth of Nigeria. The study estimated a VAR model for Nigeria using 1970-2013 annual data series. Unit root tests and cointegration are carried out. The study ...

  2. Optimizing the collections process in consumer credit

    OpenAIRE

    De Almeida Filho, Adiel T.; Mues, Christophe; Lyn C Thomas

    2009-01-01

    This paper builds a dynamic programming model to optimize the collections process in consumer credit. It determines which collections actions should be undertaken and how long they should be performed. Theoretical results about the form of the optimal policy under certain conditions are obtained. Finally a case study is described based on data from the collection department of a European bank

  3. An Analysis of the Credit Collection Occupation.

    Science.gov (United States)

    Wyatt, Tom; Ulrich, Larry

    The general purpose of the occupational analysis is to provide workable, basic information dealing with the many and varied duties performed in the credit collection occupation. The document opens with a brief introduction followed by a job description. The bulk of the document is presented in table form. Three duties are broken down into a number…

  4. British History is Their History: Britain and the British Empire in the History Curriculum of Ontario, Canada and Victoria, Australia 1930-1975

    National Research Council Canada - National Science Library

    Stephen J Jackson

    2017-01-01

    This article investigates the evolving conceptions of national identity in Canada and Australia through an analysis of officially sanctioned history textbooks in Ontario, Canada and Victoria, Australia...

  5. CREDIT RISK MINIMIZATION WAYS AND PRICING OF BANKING SERVICES

    Directory of Open Access Journals (Sweden)

    V. E. Gladkova

    2011-01-01

    Full Text Available Accurate accounting of own expenses on rendering banking services and forming reasonable prices for them make it possible for commercial banks to adequately react to market situation changes. Credit risk minimization comprises: credit rationing (in Russia according to RF Central Bank norms; credit diversification; credit structuring; and forming reserves to cover respective bank risks (also in accordance with RF CB documents. Effective is bank credit hedging (insuring through credit derivatives. Most advanced at international finance markets are such risk minimization systems as Basel-II and IRBA. Pricing models based on individual assessment of each borrower’s risk class (Risk Based Pricing approach are widely used.

  6. Formal and Informal Rural Credit in Four Provinces of Vietnam

    DEFF Research Database (Denmark)

    Barslund, Mikkel Christoffer; Tarp, Finn

    This paper uses a survey of 932 rural households to uncover how the rural credit market operates in four provinces of Vietnam. Households obtain credit through formal and informal lenders. Formal loans are almost entirely for production and asset accumulation, while informal loans are used...... for consumption smoothening. Interest rates fell from 1997 to 2002, reflecting increased market integration. Moreover, the determinants of formal and informal credit demand are distinct. While credit rationing depends on education and credit history, in particular, regional differences in the demand for credit...

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

    Directory of Open Access Journals (Sweden)

    Aggarawal K.K.

    2016-01-01

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

  8. Consumer credit as an economic good, and modern trends in the banking consumer credit in Russia

    Directory of Open Access Journals (Sweden)

    Afanasev Kirill Sergeevich

    2013-06-01

    Full Text Available In this article, consumer credit is seen as an economic good, it analyzes the classification features, as well as presents current trends of development of bank consumer lending in Russia.

  9. Images.

    Science.gov (United States)

    Barr, Catherine, Ed.

    1997-01-01

    The theme of this month's issue is "Images"--from early paintings and statuary to computer-generated design. Resources on the theme include Web sites, CD-ROMs and software, videos, books, and others. A page of reproducible activities is also provided. Features include photojournalism, inspirational Web sites, art history, pop art, and myths. (AEF)

  10. Credit for what? Informal credit as a coping strategy of market women in Northern Ghana

    OpenAIRE

    Schindler, Kati

    2007-01-01

    This paper analyzes the use of informal credit as a coping strategy against risk by market women in the city of Tamale, Ghana. Using qualitative research techniques, the analysis reveals that intra-household structure and allocation decisions determine these market-based coping strategies. Market women invest a considerable amount of working hours in maintaining complex credit networks as a safeguard against extreme risks. As a policy implication, this research suggests to provide market wome...

  11. Monitoring geodynamic activity in the Victoria Land, East Antarctica: Evidence from GNSS measurements

    Science.gov (United States)

    Zanutta, A.; Negusini, M.; Vittuari, L.; Cianfarra, P.; Salvini, F.; Mancini, F.; Sterzai, P.; Dubbini, M.; Galeandro, A.; Capra, A.

    2017-10-01

    GNSS networks in Antarctica are a fundamental tool to define actual crustal displacements due to geological and geophysical processes and to constrain the glacial isostatic models (GIA). A large network devoted to the detection and monitoring of crustal deformations in the Northern Victoria Land (Victoria Land Network for DEFormation control - VLNDEF), was monumented during the 1999-2000 and 2000-2001 field campaigns, as part of Italian National Program for Antarctic Research and surveyed periodically during the Southern summer seasons. In this paper, GPS observations of VLNDEF collected over a more than 15-year span, together with various selected POLENET sites and more than 70 IGS stations, were processed with Bernese Software, using a classical double difference approach. A solution was obtained combining NEQs by means of ADDNEQ2/FODITS tools embedded in Bernese Software. All the Antarctic sites were kept free and a subset of 50 IGS stations were used to frame VLNDEF into ITRF2008. New evidence provided by analysis of GPS time series for the VLNDEF network is presented; also displacements along the vertical component are compared with the recently published GIA models. The absolute velocities indicate an overall displacement of the northern Victoria Land region along the south-east direction (Ve = 10.6 mm/yr, Vn = -11.5 mm/yr) and an average uplift rate of Vu = 0.5 mm/yr. Two GIA models have been analyzed: ICE-6G_C-VM5a proposed by Argus et al. (2014), Peltier et al. (2015) and W12A_v1 by Whitehouse et al. (2012a,b). Up rates, predicted over the VLNDEF sites by the mentioned GIA models, have been extracted and compared with those observed. A preliminary comparison with GPS-derived vertical rates shows that the Victoria Land ICE-6G_C-VM5 and W12A_v1 GIA models predict overestimated uplift rates of 0.7 and 0.9 mm/yr weighted mean residuals respectively. The mean horizontal relative motions within the Victoria Land (VL) area are in most cases negligible, while only

  12. Effects of Credit on Economic Growth, Unemployment and Poverty

    Directory of Open Access Journals (Sweden)

    Mangasa Augustinus Sipahutar

    2016-06-01

                  Effect of credit on economic growth, unemployment and poverty provides evidence from Indonesia on the role of banks credit for promoting economic growth and reducing both unemployment and poverty.  To document the link between banks credit and economic growth, we estimate a VAR model and variance decompositions of annual GDP per capita growth rates to examine what proxy measures of banks credit are most important in accounting for economic growth over time and how much they contribute to explaining economic growth.  We also estimate an ECM to document the relationship between banks credit to both unemployment and poverty.  This paper revealed bi-direction causality between banks credit and economic growth.  Banks credit promotes economic growth and economic growth affects credit depth and financial development.  Furthermore, banks credit is a growth accelerating factor on Indonesian economic growth.  Banks credit is an endogenous growth and a good predictor on Indonesian economy. Our estimation model explained that credit allocated by banks increases business escalation to the real sectors then promotes economic growth, decreases unemployment rate through increasing in labor demanded, increases income and then decrease poverty.  This overall transmission mechanism just occurred through presence of banks credit by increasing money supply to the real sectors, promotes growth and social welfare.   Keywords :  banks credit, economic growth, growth accelerating factor, poverty, unemployment   JEL Classification : E51, E52, E58

  13. Stable isotope paleoecology of Late Pleistocene Middle Stone Age humans from the Lake Victoria basin, Kenya.

    Science.gov (United States)

    Garrett, Nicole D; Fox, David L; McNulty, Kieran P; Faith, J Tyler; Peppe, Daniel J; Van Plantinga, Alex; Tryon, Christian A

    2015-05-01

    Paleoanthropologists have long argued that environmental pressures played a key role in human evolution. However, our understanding of how these pressures mediated the behavioral and biological diversity of early modern humans and their migration patterns within and out of Africa is limited by a lack of archaeological evidence associated with detailed paleoenvironmental data. Here, we present the first stable isotopic data from paleosols and fauna associated with Middle Stone Age (MSA) sites in East Africa. Late Pleistocene (∼100-45 ka, thousands of years ago) sediments on Rusinga and Mfangano Islands in eastern Lake Victoria (Kenya) preserve a taxonomically diverse, non-analog faunal community associated with MSA artifacts. We analyzed the stable carbon and oxygen isotope composition of paleosol carbonate and organic matter and fossil mammalian tooth enamel, including the first analyses for several extinct bovids such as Rusingoryx atopocranion, Damaliscus hypsodon, and an unnamed impala species. Both paleosol carbonate and organic matter data suggest that local habitats associated with human activities were primarily riverine woodland ecosystems. However, mammalian tooth enamel data indicate that most large-bodied mammals consumed a predominantly C4 diet, suggesting an extensive C4 grassland surrounding these riverine woodlands in the region at the time. These data are consistent with other lines of paleoenvironmental evidence that imply a substantially reduced Lake Victoria at this time, and demonstrate that C4 grasslands were significantly expanded into equatorial Africa compared with their present distribution, which could have facilitated dispersal of human populations and other biotic communities. Our results indicate that early populations of Homo sapiens from the Lake Victoria region exploited locally wooded and well-watered habitats within a larger grassland ecosystem. Copyright © 2014 Elsevier Ltd. All rights reserved.

  14. The molecular epidemiology of norovirus outbreaks in Victoria, 2014 to 2015
.

    Science.gov (United States)

    Bruggink, Leesa D; Moselen, Jean M; Marshall, John A

    2017-03-31

    Noroviruses are a leading cause of outbreaks of gastroenteritis. This study examined the incidence and molecular characteristics of norovirus outbreaks in healthcare and non-healthcare settings in Victoria, Australia, over 2 years (2014-2015). Norovirus was detected in 65.7% and 60.4% of gastroenteritis outbreaks investigated for the years 2014 and 2015 respectively. There was a significant decline in the number of norovirus outbreaks in the period 2014 to 2015 although in both years norovirus outbreaks peaked in the latter part of the year. Norovirus Open Reading Frame (ORF) 2 (capsid) genotypes identified included GI.2, GI.3, GI.4, GI.5, GI.6, GI.9, GII.2, GII.3, GII.4, GII.6, GII.7, GII.8, GII.13 and GII.17. GII.4 was the most common genotype detected. In addition, the following ORF 1/ORF 2 recombinant forms were confirmed: GII.P4_NewOrleans_2009/GII.4_Sydney_2012, GII.P12/GII.3, GII.Pb (GII.21)/GII.3, GII.Pe/GII.2 and GII.Pe/GII.4_Sydney_2012. A significant decline was noted in the chief norovirus strain GII.Pe/GII.4_Sydney_2012 between 2014 and 2015 but there was a re-emergence of a GII.P4_ NewOrleans _2009 norovirus strain. Outbreaks involving the GII.P17/GII.17 genotype were also detected for the first time in Victoria. GI genotypes circulating in Victoria for the 2 years 2014 and 2015 underwent a dramatic change between the 2 years of the survey. Many genotypes could occur in both healthcare and non-healthcare settings although GI.3, GII.6, and GII.4 were significantly more common in healthcare settings. The study emphasises the complex way in which norovirus circulates throughout the community.

  15. Sex and sport: sexual risk behaviour in young people in rural and regional Victoria.

    Science.gov (United States)

    Kong, Fabian Y S; Hocking, Jane S; Link, Chris Kyle; Chen, Marcus Y; Hellard, Margaret E

    2010-06-01

    To determine the prevalence of chlamydia and understand sexual risk behaviour in 16-29 year olds in rural Victoria through a chlamydia testing program undertaken at local sporting clubs. Young people were recruited from the Loddon Mallee region of Victoria, Australia between May and September 2007. After a night of sporting practice, participants provided a first pass urine sample and completed a brief questionnaire about sexual risk behaviour. Those positive for chlamydia were managed by telephone consultation with a practitioner from Melbourne Sexual Health Centre. A total of 709 young people participated (77% male, 23% female) in the study; 77% were sexually active. Overall chlamydia prevalence in sexually active participants was 5.1% (95% confidence interval [CI]: 3.4-7.3); 7.4% in females (95% CI: 3.5-13.6) and 4.5% in males (95% CI: 2.7-6.9). Approximately 60% of males and 20% of females consumed alcohol at high 'Risky Single Occasion Drinking' levels at least weekly and 60% had used an illicit drug in their lifetime. Nearly 45% reported having sex in the past year when they usually would not have because they were too drunk or high. Sexually transmissible infection (STI) knowledge was generally poor and only 25% used a condom the last time they had sex. Chlamydia prevalence was high in our study population. Many participants had poor knowledge about STIs and low condom use. These findings combined with high levels of risky alcohol use and having sex while intoxicated highlights the need for programs in rural and regional Victoria that combine both STI testing and prevention and education programs.

  16. The Most Effective Methods for Delivering Severe Weather Early Warnings to Fishermen on Lake Victoria.

    Science.gov (United States)

    Tushemereirwe, Richard; Tuhebwe, Doreen; Cooper, Mary Ann; D'ujanga, Florence Mutonyi

    2017-02-22

    Introduction : It is estimated that five thousand people die on Lake Victoria every year by drowning which is triggered by severe weather hazards like lightning. Objectives :  In order to improve predictability of severe weather conditions on Lake Victoria, there is need to deliver timely and effective Severe Weather Early Warning Systems (SWEWS) to those at risk. On Lake Victoria, previous SWEW service trials ceased with the end of the funding grants. This study therefore assessed the possibility of sustaining the SWEW service by assessing willingness to pay.   Methods : An assessment was conducted between March and May 2015 to determine the SWEW service improvements desired by the population. A convenience sample of respondents was gathered and interviewed during impromptu visits to landing sites on Lake Victoria. The respondents were also among community members that had earlier participated in a pilot assessing the feasibility of mobile phones is delivering SWEW alerts.  Semi-structured questionnaires were administered to fishermen and fisher folks at the landing site to gather suggestions/strategies for (i) better design and implementation of SWEW service, (ii) use of smart phones, and (iii) their ability and willingness to pay for a SWEW service. Results were presented as frequencies. Results : Two hundred fifteen respondents from fourteen landing sites (communities) were interviewed. Over 50% of the respondents (113/215) were aware about at least one community member who had been injured due to lightening on the lake in the past year. Ninety two percent (198/215) of the respondents reported using mobile phones as their main tool of communication but only 4% had smart phones that could receive early warning weather alerts through internet connectivity. Seventy five percent of respondents said they would welcome a system that could deliver commercial weather alerts and 65% were willing to pay for such a service.   Conclusions : A SWEW service is feasible

  17. Gambling revenues as a public administration issue: electronic gaming machines in Victoria.

    Science.gov (United States)

    Pickernell, David; Keast, Robyn; Brown, Kerry; Yousefpour, Nina; Miller, Chris

    2013-12-01

    Gambling activities and the revenues derived have been seen as a way to increase economic development in deprived areas. There are also, however, concerns about the effects of gambling in general and electronic gaming machines (EGMs) in particular, on the resources available to the localities in which they are situated. This paper focuses on the factors that determine the extent and spending of community benefit-related EGM-generated resources within Victoria, Australia, focusing in particular on the relationships between EGM activity and socio-economic and social capital indicators, and how this relates to the community benefit resources generated by gaming.

  18. A Baseline Air Quality Assessment Onboard a Victoria Class Submarine: HMCS Windsor

    Science.gov (United States)

    2006-05-01

    défense Canada – Toronto; May 2006. Pour faciliter l’élaboration de futurs plans de gestion de la qualité de l’air à bord des nouveaux sous-marins de...visant à améliorer la gestion de la qualité de l’air à bord de sous-marins de classe Victoria. Ces recommandations comprennent : l’examen de tous les... ambient air from the WSC (centre of the torpedo racks, used as bunk space); Senior Rates Mess Accommodation Space (aft compartment); Junior Rates

  19. Gastropod diversity, distribution and abundance in habitats with and without anthropogenic disturbances in Lake Victoria, Kenya

    DEFF Research Database (Denmark)

    Lange, C. N.; Kristensen, Thomas K.; Madsen, Henry

    2013-01-01

    We investigated freshwater gastropod diversity, abundance and distribution in habitats with and without anthropogenic disturbance in two localities, Ndere in the Winam Gulf and Mbita Point, Lake Victoria, Kenya, from May 2002 to January 2004. A total of 133 984 gastropod specimens belonging to 15...... and other wastes so as to reduce local eutrophication, thereby reducing risks associated with transmission of potential snail-borne diseases. © 2013...... species were recorded, 14 from Mbita and 12 from Ndere. Two species, Ferrissia kavirondica and Cleopatra cridlandi, which were recorded only from undisturbed habitats, could be indicators of least disturbed habitats. Water chemistry did differ between fish landing sites and undisturbed habitats at some...

  20. Microbial quality and safety of fresh and dried Rastrineobola argentea from Lake Victoria, Tanzania

    DEFF Research Database (Denmark)

    Baniga, Zebedayo; Dalsgaard, Anders; Mhongole, Ofred J

    2017-01-01

    Rastrineobola argentea (silver cyprinid/sardines) is an important commercial fish species found in Lake Victoria. It is an important protein source for consumers in several African countries including Tanzania. A cross-sectional study was conducted using standard methods to assess the bacteriolog...... sites contained 30% (n = 20) and those from the markets contained 15% (n = 20) Salmonella spp. Salmonella spp. were not detected in sardines dried on racks. To conclude, sun drying of sardines on racks is an effective drying method providing a safe product for human consumption....

  1. A new species of Anabarhynchus (Diptera: Therevidae from an ocean beach in south east Victoria

    Directory of Open Access Journals (Sweden)

    David Ferguson

    2014-09-01

    Full Text Available Anabarhynchus Macquart 1848 is a large genus of the Therevidae (Diptera that are endemic to Australasia with a couple of described species from Melanesia. We describe and illustrate Anabarhynchus oceanus sp. n., a species found on ocean beaches in eastern Victoria, Australia. The species shares most characters with the monobasic A. kampmeierae species group of Lyneborg (2001, but also shares a unique feature of the male genitalia with the endemic New Zealand genus Megathereva Lyneborg, 1992. This new species brings the total number of described Australian species in the genus to 113.

  2. Transportation credit mortgages, spatial sorting, and housing supply : who benefits?

    Science.gov (United States)

    2007-01-01

    Transportation credit mortgage (TCM) programs are intended to reduce auto use, decrease sprawl, and increase housing options for low- and moderate-income households. The centerpiece of such programs is a credit to income for expected savings on auto ...

  3. Women's Access to Credit: Asian Women’s Double Burden

    National Research Council Canada - National Science Library

    Jonghee Lee

    2013-01-01

    Access to credit can have significant effects on standards of living. Credit can allow households to optimally select the timing of their purchases and sustain a certain level of consumption when they are struck by unforeseen setbacks...

  4. Arbitrary Deprivation of an Unregistered Credit Provider's Right to ...

    African Journals Online (AJOL)

    Arbitrary Deprivation of an Unregistered Credit Provider's Right to Claim Restitution of Performance Rendered Opperman v Boonzaaier (24887/2010) 2012 ZAWCHC 27 (17 April 2012) and National Credit Regulator v Opperman 2013 2 SA 1 (CC)

  5. Financial Credit Outcomes of IDA Participation: Longitudinal Findings

    Directory of Open Access Journals (Sweden)

    Julie Birkenmaeier

    2014-12-01

    Full Text Available Financially vulnerable families often struggle with low credit scores. Thus, improved participant credit is often a goal of asset development programs, such as the Individual Development Account (IDA program, but little is known about the long-term credit outcomes of participation. This article reports the final results of a three-year longitudinal exploratory study of credit outcomes for IDA participants. Using a convenience sample of IDA participants and non-participants (N = 164, data were analyzed using nonparametric and Chi-square for independence tests. Results indicate that participant credit scores improvements are achieved and maintained. Credit score is not a meaningful indicator of program completion, time to completion, or type of asset purchased for participants. Those who completed the IDA program within two years experienced the highest credit gains. Future research with larger samples is needed to further assess the impact of credit scores on program participation and completion.

  6. 12 CFR 226.10 - Prompt crediting of payments.

    Science.gov (United States)

    2010-01-01

    ... SYSTEM TRUTH IN LENDING (REGULATION Z) Open-End Credit § 226.10 Prompt crediting of payments. (a) General... address for receiving payments, such as a post office box. (3) Nonconforming payments. If a creditor...

  7. 75 FR 57820 - National Credit Union Administration Restoration Plan

    Science.gov (United States)

    2010-09-22

    ... foreclosed real estate in federally insured credit unions remains elevated. The credit union CAMEL ratings... to present a challenge for the financial services sector. Housing remains a risk as foreclosures...

  8. 32 CFR 231.7 - Procedures-domestic credit unions.

    Science.gov (United States)

    2010-07-01

    ... intrastation telephone service, credit unions shall be required to pay for all communication services to include telephone lines, long distance data services and Internet connections. Credit unions also shall...

  9. Credit reporting, relationship banking, and loan repayment

    Directory of Open Access Journals (Sweden)

    Tahereh Shirzad Kebria

    2015-06-01

    Full Text Available This paper presents an empirical investigation to determine factors influencing on loan repayment in one of Iranian banks named Sepah Bank over the period 2012-2013. The study selects a sample of 290 bank’s customers who received loans and, using logistic regression technique, tries to find whether or not qualitative as well as quantitative characteristics of loan receivers influence on repayment of loans. The results indicate that history of outstanding debt as well as customers’ past experiences with banks had meaningful relationships with having bad credit and non-payment of loans. In our survey, having a bad credit in the past had positive relationship with non-payment of loans but long-term customers had negative relationship with non-payment of loans. In addition, working capital turnover ratio, cash ratio, total liabilities, current assets and loan value had significant impact on non-repayment of the loan facilities.

  10. Strategic interaction in undeveloped credit markets

    DEFF Research Database (Denmark)

    Andersen, Thomas Barnebeck; Malchow-Møller, Nikolaj

    2006-01-01

    This paper studies the strategic interaction between informal and formal lenders in undeveloped credit markets. In a model with adverse selection, loan seniority, market power, and differences in the cost of lending, it is shown that under general conditions a co-funding equilibrium will be a Nas...... evidence and the emerging discussion of how to best ensure financial viability and outreach of microfinance institutions......This paper studies the strategic interaction between informal and formal lenders in undeveloped credit markets. In a model with adverse selection, loan seniority, market power, and differences in the cost of lending, it is shown that under general conditions a co-funding equilibrium will be a Nash...

  11. Credit Risk Management - Loan Approval Process

    Directory of Open Access Journals (Sweden)

    Lulzim Rashiti

    2016-03-01

    Full Text Available The aim of this study is on understanding the international regulations issued by Basel I, Basel II and Basel III to best supervise and manage credit risk management policies. Part of paper will focus on the description and impacts of the regulations and the pivotal importance they play in providing a sound banking system. Credit risk represents another important element that will be analysed considering that it lays the foundation during the loan consideration and approval process. The paper will also explain in detail procedures and responsibilities shared along the process of loan acceptance by a banker. To sum up, the overall process from application to loan approval or denial will be explained pointing out the implications that are faced along the way

  12. Neural fraud detection in credit card operations.

    Science.gov (United States)

    Dorronsoro, J R; Ginel, F; Sgnchez, C; Cruz, C S

    1997-01-01

    This paper presents an online system for fraud detection of credit card operations based on a neural classifier. Since it is installed in a transactional hub for operation distribution, and not on a card-issuing institution, it acts solely on the information of the operation to be rated and of its immediate previous history, and not on historic databases of past cardholder activities. Among the main characteristics of credit card traffic are the great imbalance between proper and fraudulent operations, and a great degree of mixing between both. To ensure proper model construction, a nonlinear version of Fisher's discriminant analysis, which adequately separates a good proportion of fraudulent operations away from other closer to normal traffic, has been used. The system is fully operational and currently handles more than 12 million operations per year with very satisfactory results.

  13. Portfolio Allocation Subject to Credit Risk

    Directory of Open Access Journals (Sweden)

    Rogerio de Deus Oliveira

    2003-12-01

    Full Text Available Credit Risk is an important dimension to be considered in the risk management procedures of financial institutions. Is a particularly useful in emerging markets where default rates on bank loan products are usually high. It is usually calculated through highly costly Monte Carlo simulations which consider different stochastic factors driving the uncertainly associated to the borrowers liabilities. In this paper, under some restrictions, we drive closed form formulas for the probability distributions of default rates of bank loans products involving a big number of clients. This allows us to quickly obtain the credit risk of such products. Moreover, using these probability distributions, we solve the problem of optimal portfolio allocation under default risk.

  14. VICTORIA: A mechanistic model of radionuclide behavior in the reactor coolant system under severe accident conditions. Revision 1

    Energy Technology Data Exchange (ETDEWEB)

    Heams, T J [Science Applications International Corp., Albuquerque, NM (United States); Williams, D A; Johns, N A; Mason, A [UKAEA, Winfrith, (England); Bixler, N E; Grimley, A J [Sandia National Labs., Albuquerque, NM (United States); Wheatley, C J [UKAEA, Culcheth (England); Dickson, L W [Atomic Energy of Canada Ltd., Chalk River, ON (Canada); Osborn-Lee, I [Oak Ridge National Lab., TN (United States); Domagala, P; Zawadzki, S; Rest, J [Argonne National Lab., IL (United States); Alexander, C A [Battelle, Columbus, OH (United States); Lee, R Y [Nuclear Regulatory Commission, Washington, DC (United States)

    1992-12-01

    The VICTORIA model of radionuclide behavior in the reactor coolant system (RCS) of a light water reactor during a severe accident is described. It has been developed by the USNRC to define the radionuclide phenomena and processes that must be considered in systems-level models used for integrated analyses of severe accident source terms. The VICTORIA code, based upon this model, predicts fission product release from the fuel, chemical reactions involving fission products, vapor and aerosol behavior, and fission product decay heating. Also included is a detailed description of how the model is implemented in VICTORIA, the numerical algorithms used, and the correlations and thermochemical data necessary for determining a solution. A description of the code structure, input and output, and a sample problem are provided.

  15. Fraud management in the credit card industry

    OpenAIRE

    Peter Burns; Anne Stanley

    2002-01-01

    On November 16, 2001, the Payment Cards Center of the Federal Reserve Bank of Philadelphia sponsored a workshop on fraud management in the credit card industry. Daniel Buttafogo and Larry Drexler of Juniper Bank led the discussion. Daniel Buttafogo, Director-Risk Management, is Juniper's fraud expert. He provided an overview of fraud in the card industry and discussed some of the challenges he faces as a risk manager. ; Larry Drexler is General Counsel and the Chief Privacy Officer at Juniper...

  16. Rotating Savings and Credit Associations as Insurance

    OpenAIRE

    Stefan Klonner

    2000-01-01

    Recent theoretical research on rotating savings and credit associations (Roscas) suggests that identical individuals prefer a random to a bidding Rosca when participants save for a lumpy durable or an investment good. Here,in contrast, under the assumption that participants are risk averse and that their incomes are stochastic and independent, it is shown that a random Rosca is not advantageous, while participation in a bidding Rosca improves ex ante expected utility if temporal risk aversion...

  17. Essays on rotating savings and credit associations

    OpenAIRE

    Klonner, Stefan

    2001-01-01

    Recent theoretical research on rotating savings and credit associations (Roscas) suggests that identical individuals prefer a random to a bidding Rosca when participants save for a lumpy durable or an investment good. Here, in contrast, under the assumption that Rosca funds are used for consumption, that participants are risk averse, and that their incomes are stochastic, independent and privately observed, it is shown that a random Rosca is not advantageous, while a bidding Rosca is so if te...

  18. Capacity credit of wind power in Germany

    Energy Technology Data Exchange (ETDEWEB)

    Sperling, M.; Pamfensie, A.; Hartkopf, T. [TU-Darmstadt, Inst. for Renewable Energies (Germany)

    2007-11-15

    Covering the peak loads with a reliable safety margin is a task that becomes more difficult in the moment that base load power plants are exchanged by renewable energy resources. This is an issue that might affect Germany in the next years. This paper analyses the power plant mix in Germany and calculates the wind power capacity credit for different scenarios. The contribution of the wind power on covering the peak loads is discussed. (au)

  19. Taxation of credit unions in Ukraine

    Directory of Open Access Journals (Sweden)

    Оксана Георгіївна Волкова

    2015-10-01

    Full Text Available The article deals with the issues of income taxation of credit unions in Ukraine by the tax on profits of enterprises and tax of revenues of their members accrued on the interest of contributions (deposits on deposit accounts and mutual funds the tax to incomes of physical persons. The consequences of the influence of tax rules on capitalization of unions and the level of their financial support is defined

  20. Global Business Cycles and Credit Risk

    OpenAIRE

    M. Hashem Pesaran; Til Schuermann; Björn-Jakob Treutler

    2005-01-01

    The potential for portfolio diversification is driven broadly by two characteristics: the degree to which systematic risk factors are correlated with each other and the degree of dependence individual firms have to the different types of risk factors. Using a global vector autoregressive macroeconometric model accounting for about 80% of world output, we propose a model for exploring credit risk diversification across industry sectors and across different countries or regions. We find that fu...

  1. 26 CFR 1.25A-3 - Hope Scholarship Credit.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 1 2010-04-01 2010-04-01 true Hope Scholarship Credit. 1.25A-3 Section 1.25A-3... Rates During A Taxable Year § 1.25A-3 Hope Scholarship Credit. (a) Amount of the credit—(1) In general. Subject to the phaseout of the education tax credit described in § 1.25A-1(c), the Hope Scholarship Credit...

  2. The rise and fall of water hyacinth in Lake Victoria and the Kagera River basin, 1989-2001

    Science.gov (United States)

    Albright, Thomas P.; Moorhouse, T.G.; McNabb, T.J.

    2004-01-01

    Water hyacinth (Eichhornia crassipes (Mart.) Solms) is an invasive aquatic macrophyte associated with major negative economic and ecological impacts to the Lake Victoria region since the plant's establishment in Uganda in the 1980s. Reliable estimates of water hyacinth distribution and extent are required to gauge the severity of the problem through time, relate water hyacinth abundance to environmental factors, identify areas requiring management action, and assess the efficacy of management actions. To provide such estimates and demonstrate the utility of remote sensing for this application, we processed and analyzed remotely sensed imagery to determine the distribution and extent of water hyacinth. Maps were produced and coverage was quantified using a hybrid unsupervised image classification approach with manual editing for each of the riparian countries of Kenya, Tanzania, and Uganda, as well as for numerous gulfs and bays. A similar procedure was carried out for selected lakes in the Rwanda-Tanzania borderlands lakes region in the Kagera River basin. Results confirm the severity of the water hyacinth infestation, especially in the northern parts of the lake. A maximum lake-wide extent of at least 17,374 ha was attained in 1998. Following this, a combination of factors, including conditions associated with the 1997 to 1998 El Nin??o and biocontrol with water hyacinth weevils, appear to have contributed to a major decline in water hyacinth in the most affected parts of the lake. Some lakes in the Kagera basin, such as Lake Mihindi, Rwanda, were severely infested in the late 1990s, but the level of infestation in most of these decreased markedly by the early 2000s.

  3. Using discriminant analysis for credit decision

    Directory of Open Access Journals (Sweden)

    Gheorghiţa DINCĂ

    2015-12-01

    Full Text Available This paper follows to highlight the link between the results obtained applying discriminant analysis and lending decision. For this purpose, we have carried out the research on a sample of 24 Romanian private companies, pertaining to 12 different economic sectors, from I and II categories of Bucharest Stock Exchange, for the period 2010-2012. Our study works with two popular bankruptcy risk’s prediction models, the Altman model and the Anghel model. We have double-checked and confirmed the results of our research by comparing the results from applying the two fore-mentioned models as well as by checking existing debt commitments of each analyzed company to credit institutions during the 2010-2012 period. The aim of this paper was the classification of studied companies into potential bankrupt and non-bankrupt, to assist credit institutions in their decision to grant credit, understanding the approval or rejection algorithm of loan applications and even help potential investors in these ompanies.

  4. Creation of Carbon Credits by Water Saving

    Directory of Open Access Journals (Sweden)

    Yasutoshi Shimizu

    2012-07-01

    Full Text Available Until now, as a way of reducing greenhouse gas emissions from Japanese homes, the emphasis has been on reduction of energy consumption for air-conditioning and lighting. In recent years, there has been progress in CO2 emission reduction through research into the water-saving performance of bathroom fixtures such as toilets and showers. Simulations have shown that CO2 emissions associated with water consumption in Japanese homes can be reduced by 25% (1% of Japan’s total CO2 emissions by 2020 through the adoption of the use of water-saving fixtures. In response to this finding, a program to promote the replacement of current fixtures with water-saving toilet bowls and thermally insulated bathtubs has been added to the Government of Japan’s energy-saving policy. Furthermore, CO2 emission reduction through widespread use of water-saving fixtures has been adopted by the domestic credit system promoted by the Government of Japan as a way of achieving CO2 emission-reduction targets; application of this credit system has also begun. As part of a bilateral offset credit mechanism promoted by the Government of Japan, research to evaluate the CO2 reduction potential of the adoption of water-saving fixtures has been done in the city of Dalian, in China.

  5. Emissions credits traded : solar developer sees potential

    Energy Technology Data Exchange (ETDEWEB)

    Anon.

    1998-12-01

    The issue of buying and selling carbon dioxide emissions reductions through credit trades was discussed. Canada`s Greenhouse Gas Emissions Reduction Trading (GERT) pilot program is a first step toward developing a commodity market for greenhouse gas offsets. The program is based on a credit system in which site-specific baselines for emissions are defined. As currently set up, a source reducing its emissions below its baseline receives a credit which can be sold to another source if needed. The first trade submitted to GERT displaces fossil-fuelled electricity with electricity produced by wind turbines. In this deal Calgary`s distribution utility, Enmax, is selling wind power and the resulting emissions reductions to the federal government for use in its own buildings . Another deal which may soon be submitted to GERT is a solar pool-heating project at a recreation centre in Lillooet, British Columbia. It will replace a propane heater. The amount of reduction in greenhouse gas emissions will be calculated from the amount of propane that has been displaced by solar heating.

  6. La construcción de legitimidad del Frente para la Victoria (1988-1991 Frente para la Victoria's construction of legitimacy (1988-1991

    Directory of Open Access Journals (Sweden)

    Pamela Sosa

    2011-06-01

    Full Text Available El trabajo aborda la construcción de legitimidad del Frente para la Victoria (FV en el escenario político de Santa Cruz desde su nacimiento en 1988 hasta llegar a la gobernación en 1991. Se identifican tres fuentes de legitimidad construidas de manera alternativa al debilitamiento de la credibilidad de los partidos políticos tradicionales: la UCR, el PJ, el PI y el MID, entre otros. En este contexto, el Frente para la Victoria desplegó sus estrategias de legitimación apelando a la unidad de lo diverso y sumando referentes individuales de todo el arco político. Por otro lado, apeló a través de sus discursos y la conformación de los elencos y organizaciones a representar la fragmentación social propia de una sociedad compuesta por capas migratorias y, por último, construyó una novedosa oferta política a-partidaria acorde a las representaciones de la crisis estatal a mediados del '80 a partir de la reivindicación de los valores de la gestión, la eficiencia, el orden, el trabajo y la gobernabilidad. Sus estrategias de legitimación muestran cómo la primera etapa de construcción de poder político del FV fue efecto de su trayectoria en la frontera de los débiles grupos sociales y políticos.O trabalho aborda a construção de legitimidade do Frente para la Victoria (FV no cenário político de Santa Cruz desde seu nascimento em 1988 até chegar ao governo em 1991. Identificam-se três fontes de legitimidade construídas de maneira alternativa ao enfraquecimento da credibilidade dos partidos políticos tradicionais: a UCR, o PJ, o PI e o MID, entre outros. Neste contexto, o Frente para la Victoria desdobrou suas estratégias de legitimação apelando à unidade do que for diverso e somando referências individuais de todo o arco político. Por outro lado, apelou, através de seus discursos e a conformação dos elencos e organizações, a representar a fragmentação social própria de uma sociedade composta por camadas migrat

  7. Parotid lymphomas – clinical and computed tomographic imaging ...

    African Journals Online (AJOL)

    Department of Radiology, South infirmary victoria hospital, Cork, Republic of ireland. Summary. Objective. To review the clinical presentation and computed tomography (CT) imaging characteristics of all parotid lymphomas diagnosed at the study institution over a 7-year period. Design. Retrospective chart review of parotid ...

  8. 17 CFR 256.411.5 - Investment tax credit.

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Investment tax credit. 256.411... HOLDING COMPANY ACT OF 1935 Income and Expense Accounts § 256.411.5 Investment tax credit. (a) This account shall be debited with the amounts of investment tax credits related to service company property...

  9. Sectoral Analysis Of Credit Mobilization In Ghana | Ahiawodzi ...

    African Journals Online (AJOL)

    Credit developments in Ghana, have been examined, with the focus on credit mobilization (savings), sectoral allocation, and cost between 1993 to 2004. The methodology adopted for the study-involved computation of averages, ratios, percentages and elasticity of demand. The study revealed that mobilization of credit was ...

  10. Credit procurement and utilization by rural farmers from selected ...

    African Journals Online (AJOL)

    This study examines the procurement and utilization of credit by the rural farmers from selected rural credit institutions for sustainable agricultural production and development in Imo State, Nigeria. Two sets of structured questionnaires were administered to the 220 respondents (loan beneficiaries) and the credit institutions ...

  11. Analysis of Rural Farming Households' Access to Credit in Kwara ...

    African Journals Online (AJOL)

    Agricultural credit has been identified as an important component in the development of the agricultural sector in Nigeria. Though, agricultural credit ... The study showed that co-operative societies, personal savings and rotary loan scheme 'esusu' were the regularly accessible sources of credit. The study also showed that ...

  12. Mortgages and Credit Cycle Divergence in Eurozone Economies

    NARCIS (Netherlands)

    Samarina, Anna; Zhang, Lu; Bezemer, Dirk

    2015-01-01

    The dynamics of household mortgage credit and loans to non-financial busi- ness have diverged significantly in recent decades. In this paper we construct and describe credit cycles for total bank credit, household mortgages and non- financial business loans for 14 EMU economies over 1990–2013. We

  13. 49 CFR 1018.31 - Use of credit reports.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 8 2010-10-01 2010-10-01 false Use of credit reports. 1018.31 Section 1018.31 Transportation Other Regulations Relating to Transportation (Continued) SURFACE TRANSPORTATION BOARD, DEPARTMENT... § 1018.31 Use of credit reports. The Board may institute a credit investigation of the debtor at any time...

  14. 7 CFR 958.250 - Assessment Credit Report.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 8 2010-01-01 2010-01-01 false Assessment Credit Report. 958.250 Section 958.250... DESIGNATED COUNTIES IN IDAHO, AND MALHEUR COUNTY, OREGON Rules and Regulations § 958.250 Assessment Credit Report. Each handler may receive a credit for assessments on onions that have been levied in accordance...

  15. 48 CFR 432.406 - Letters of credit.

    Science.gov (United States)

    2010-10-01

    ... 48 Federal Acquisition Regulations System 4 2010-10-01 2010-10-01 false Letters of credit. 432.406... REQUIREMENTS CONTRACT FINANCING Advance Payments for Non-Commercial Items 432.406 Letters of credit. The HCA is... of credit. ...

  16. 76 FR 68841 - New Markets Tax Credit Program

    Science.gov (United States)

    2011-11-07

    ... New Markets Tax Credit Program AGENCY: Community Development Financial Institutions Fund, U.S... public regarding the New Markets Tax Credit (NMTC) Program, which is jointly administered by the..., New Markets Tax Credit Program, CDFI Fund, U.S. Department of the Treasury, 601 13th Street NW., Suite...

  17. 29 CFR 531.59 - The tip wage credit.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 3 2010-07-01 2010-07-01 false The tip wage credit. 531.59 Section 531.59 Labor... § 531.59 The tip wage credit. In determining compliance with the wage payment requirements of the Act... such employee in the workweek for which the wage payment is made. This credit is in addition to any...

  18. 26 CFR 1.41-9 - Alternative simplified credit.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 1 2010-04-01 2010-04-01 true Alternative simplified credit. 1.41-9 Section 1.41-9 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY INCOME TAX INCOME TAXES Credits Against Tax § 1.41-9 Alternative simplified credit. For further guidance, see § 1.41-9T. ...

  19. 75 FR 80678 - Conversions of Insured Credit Unions

    Science.gov (United States)

    2010-12-23

    ... From the Federal Register Online via the Government Publishing Office NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Parts 708a and 708b RIN 3133-AD84; 3133-AD85 Conversions of Insured Credit Unions AGENCY: National Credit Union Administration (NCUA). ACTION: Interim final rule with request for comments. SUMMARY...

  20. 7 CFR 1779.3 - Full faith and credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 12 2010-01-01 2010-01-01 false Full faith and credit. 1779.3 Section 1779.3... AGRICULTURE (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.3 Full faith and credit. The Loan Note Guarantee constitutes an obligation supported by the full faith and credit of the United...

  1. Monetary Policies And Credit Financing As Factors In Agricultural ...

    African Journals Online (AJOL)

    The study evaluates the influence of credit policies on institutional lending behaviour of farmers in Cross River State. It also ascertains the relationship between credit and agricultural development. Using econometric methods, results reveal that credit quota and portfolio lending devices and pursuit of cheap interest rate ...

  2. 26 CFR 1.23-1 - Residential energy credit.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 1 2010-04-01 2010-04-01 true Residential energy credit. 1.23-1 Section 1.23-1... Rates During A Taxable Year § 1.23-1 Residential energy credit. (a) General rule. Section 23 or former section 44C provides a residential energy credit against the tax imposed by chapter 1 of the Internal...

  3. 20 CFR 601.4 - Certification for tax credit.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Certification for tax credit. 601.4 Section 601.4 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR ADMINISTRATIVE... and Additional Tax Credit and Grant Purposes § 601.4 Certification for tax credit. (a) Within 30 days...

  4. 22 CFR 19.13-1 - Lump-sum credit.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Lump-sum credit. 19.13-1 Section 19.13-1... THE FOREIGN SERVICE RETIREMENT AND DISABILITY SYSTEM § 19.13-1 Lump-sum credit. “Lump-sum credit” is the compulsory and special contributions to a participant's or former participant's credit in the Fund...

  5. 76 FR 13504 - Conversions of Insured Credit Unions

    Science.gov (United States)

    2011-03-14

    ... From the Federal Register Online via the Government Publishing Office NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Parts 708a and 708b RIN 3133-AD84; 3133-AD85 Conversions of Insured Credit Unions AGENCY: National Credit Union Administration (NCUA). ACTION: Final rule. SUMMARY: NCUA is confirming as final a...

  6. 26 CFR 1.535-3 - Accumulated earnings credit.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Accumulated earnings credit. 1.535-3 Section 1... Accumulated earnings credit. (a) In general. As provided in section 535(a) and § 1.535-1, the accumulated earnings credit, provided by section 535(c), reduces taxable income in computing accumulated taxable income...

  7. 7 CFR 1980.308 - Full faith and credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 14 2010-01-01 2009-01-01 true Full faith and credit. 1980.308 Section 1980.308...) PROGRAM REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.308 Full faith and credit. The loan note guarantee constitutes an obligation supported by the full faith and credit of the United States...

  8. 19 CFR 24.26 - Automated Clearinghouse credit.

    Science.gov (United States)

    2010-04-01

    ... 19 Customs Duties 1 2010-04-01 2010-04-01 false Automated Clearinghouse credit. 24.26 Section 24... THE TREASURY CUSTOMS FINANCIAL AND ACCOUNTING PROCEDURE § 24.26 Automated Clearinghouse credit. (a) Description. Automated Clearinghouse (ACH) credit is an optional payment method that allows a payer to...

  9. 31 CFR 535.416 - Letters of credit.

    Science.gov (United States)

    2010-07-01

    ... 31 Money and Finance: Treasury 3 2010-07-01 2010-07-01 false Letters of credit. 535.416 Section... § 535.416 Letters of credit. (a) Question. Prior to the effective date, a bank subject to the jurisdiction of the United States has issued or confirmed a documentary letter of credit for a non-Iranian...

  10. 26 CFR 1.1502-4 - Consolidated foreign tax credit.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 12 2010-04-01 2010-04-01 false Consolidated foreign tax credit. 1.1502-4... TAX (CONTINUED) INCOME TAXES Consolidated Tax Liability § 1.1502-4 Consolidated foreign tax credit. (a) In general. The credit under section 901 for taxes paid or accrued to any foreign country or...

  11. 17 CFR 256.922 - Administrative expenses transferred-credit.

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Administrative expenses transferred-credit. 256.922 Section 256.922 Commodity and Securities Exchanges SECURITIES AND EXCHANGE... transferred—credit. This account shall be credited with administrative expenses recorded in accounts 920 and...

  12. 78 FR 77608 - Requirements for Contacts with Federal Credit Unions

    Science.gov (United States)

    2013-12-24

    ... From the Federal Register Online via the Government Publishing Office NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 701 RIN 3133-AE34 Requirements for Contacts with Federal Credit Unions AGENCY: National Credit Union Administration (NCUA). ACTION: Proposed rule. SUMMARY: The NCUA Board (Board...

  13. 40 CFR 1033.720 - Trading emission credits.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Trading emission credits. 1033.720... CONTROLS CONTROL OF EMISSIONS FROM LOCOMOTIVES Averaging, Banking, and Trading for Certification § 1033.720 Trading emission credits. (a) Trading is the exchange of emission credits between certificate holders. You...

  14. 40 CFR 1042.720 - Trading emission credits.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Trading emission credits. 1042.720..., Banking, and Trading for Certification § 1042.720 Trading emission credits. (a) Trading is the exchange of... further trading transactions. (b) You may trade actual emission credits as described in this subpart. You...

  15. 12 CFR 614.4030 - Federal land credit associations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Federal land credit associations. 614.4030 Section 614.4030 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND... authorized by their respective funding banks; and (iii) Any certified agricultural mortgage marketing...

  16. 12 CFR 614.4040 - Production credit associations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Production credit associations. 614.4040 Section 614.4040 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND... marketing facility, as defined by section 8.0(3) of the Act, for the purpose of pooling and securitizing...

  17. 12 CFR 614.4050 - Agricultural credit associations.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Agricultural credit associations. 614.4050 Section 614.4050 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND... respective funding banks; and (C) Any certified agricultural mortgage marketing facility, as defined by...

  18. Principles for Public Credit Guarantee Schemes for SMEs

    OpenAIRE

    World Bank Group

    2015-01-01

    Access to finance, particularly credit, is widely recognized as problematic for small and medium enterprises (SMEs), hampering their growth and development. To address this challenge, many governments around the world intervene in SME credit markets through credit guarantee schemes (CGSs). A CGS offers risk mitigation to lenders by taking a share of the lenders’ losses on SME loans in case ...

  19. 40 CFR 1033.715 - Banking emission credits.

    Science.gov (United States)

    2010-07-01

    ... 40 Protection of Environment 32 2010-07-01 2010-07-01 false Banking emission credits. 1033.715... CONTROLS CONTROL OF EMISSIONS FROM LOCOMOTIVES Averaging, Banking, and Trading for Certification § 1033.715 Banking emission credits. (a) Banking is the retention of emission credits by the manufacturer...

  20. 77 FR 75410 - Request for Information Regarding Credit Card Market

    Science.gov (United States)

    2012-12-20

    ... PROTECTION Request for Information Regarding Credit Card Market AGENCY: Bureau of Consumer Financial... Financial Protection (Bureau) to conduct a review (Review) of the consumer credit card market, within the... the public about a number of aspects of the consumer credit card market, which are described further...

  1. 49 CFR 260.17 - Credit risk premium analysis.

    Science.gov (United States)

    2010-10-01

    ... 49 Transportation 4 2010-10-01 2010-10-01 false Credit risk premium analysis. 260.17 Section 260... Financial Assistance § 260.17 Credit risk premium analysis. (a) When Federal appropriations are not available to cover the total subsidy cost, the Administrator will determine the Credit Risk Premium...

  2. Analysis Of Demand For Informal And Formal Credit Among Small ...

    African Journals Online (AJOL)

    The study therefore, investigated demand for credit from both informal and formal source by small scale cassava farmers; and also examined the interaction between cost of capital for informal and formal credit sources. Primary data were collected from 120 farmers who used both formal and informal credit sources.

  3. 10 CFR 490.703 - Biodiesel fuel use credit allocation.

    Science.gov (United States)

    2010-01-01

    ... 10 Energy 3 2010-01-01 2010-01-01 false Biodiesel fuel use credit allocation. 490.703 Section 490.703 Energy DEPARTMENT OF ENERGY ENERGY CONSERVATION ALTERNATIVE FUEL TRANSPORTATION PROGRAM Biodiesel Fuel Use Credit § 490.703 Biodiesel fuel use credit allocation. (a) DOE shall allocate to a fleet or...

  4. 7 CFR 1738.31 - Full faith and credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 11 2010-01-01 2010-01-01 false Full faith and credit. 1738.31 Section 1738.31... AGRICULTURE RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Types of Loans § 1738.31 Full faith and credit. Loan guarantees made under this part are supported by the full faith and credit of the United States. ...

  5. 7 CFR 762.103 - Full faith and credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 7 2010-01-01 2010-01-01 false Full faith and credit. 762.103 Section 762.103... AGRICULTURE SPECIAL PROGRAMS GUARANTEED FARM LOANS § 762.103 Full faith and credit. (a) Fraud and misrepresentation. The loan guarantee constitutes an obligation supported by the full faith and credit of the United...

  6. 7 CFR 3575.3 - Full faith and credit.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Full faith and credit. 3575.3 Section 3575.3... AGRICULTURE GENERAL Community Programs Guaranteed Loans § 3575.3 Full faith and credit. The Loan Note Guarantee constitutes an obligation supported by the full faith and credit of the United States and is not...

  7. Credit Usage, Hire Purchase Costs, and Consumer Protection in ...

    African Journals Online (AJOL)

    Adopting a survey and a disguised interview technique, data was collected and analyzed on the usage rate of credit purchases. The hire purchase, which was the most popular form of credit, was examined in greater detail with respect to the costs of hire purchase, their comparison with other types of consumer credit, the ...

  8. 25 CFR 11.422 - Unauthorized use of credit cards.

    Science.gov (United States)

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Unauthorized use of credit cards. 11.422 Section 11.422... LAW AND ORDER CODE Criminal Offenses § 11.422 Unauthorized use of credit cards. (a) A person commits a misdemeanor if he or she uses a credit card for the purpose of obtaining property or services with knowledge...

  9. Credit Card Attitudes and Behaviors of College Students

    Science.gov (United States)

    Joo, S.-H.; Grable, J. E.; Bagwell, D. C.

    2005-01-01

    At a southwestern public university, 242 students responded to a questionnaire about their credit-card use and attitudes. The results revealed that about 70 percent of the students held one or more credit cards, and about 10 percent had five or more credit cards. Twenty-two percent never kept copies of their charge slips, and only 49 percent paid…

  10. Credit Demand Amongst Farmers in Mukono District, Uganda ...

    African Journals Online (AJOL)

    We employ the binary logit model estimation to analyse demand for credit. The empirical results suggest that the probability of a farmer demanding credit increases with proximity to credit facility, easier application procedures, customary land tenure system and membership to farmers' association. In contrast, the likelihood ...

  11. Determinants Of Agricultural Credit Supply To Farmers In The Niger ...

    African Journals Online (AJOL)

    The determinants of credit supply for agricultural purposes were found to be profitability of the investment, level of assets of the farmer-borrower interest rate, availability of credit, loan transaction costs, and level of risk bearing. Results show that the availability of credit was considered an extremely important factor in the ...

  12. Credit rationing and SME development in Botswana: Implications for ...

    African Journals Online (AJOL)

    This constrained access to credit is argued in the literature to be due to the credit rationing behaviour of banks emanating from asymmetric information in credit ... economic diversification, employment creation opportunities, increase household incomes, and contributing to poverty reduction in line with Botswana's Vision ...

  13. 29 CFR 20.9 - Waiver of credit reporting.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 1 2010-07-01 2010-07-01 true Waiver of credit reporting. 20.9 Section 20.9 Labor Office of the Secretary of Labor FEDERAL CLAIMS COLLECTION Disclosure of Information to Credit Reporting Agencies § 20.9 Waiver of credit reporting. The agency head (or designee) may waive reporting a commercial...

  14. 29 CFR 20.8 - Disclosure to credit reporting agencies.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 1 2010-07-01 2010-07-01 true Disclosure to credit reporting agencies. 20.8 Section 20.8 Labor Office of the Secretary of Labor FEDERAL CLAIMS COLLECTION Disclosure of Information to Credit Reporting Agencies § 20.8 Disclosure to credit reporting agencies. (a) In accordance with guidelines...

  15. 12 CFR 1408.14 - Reporting of credit information.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Reporting of credit information. 1408.14 Section 1408.14 Banks and Banking FARM CREDIT SYSTEM INSURANCE CORPORATION COLLECTION OF CLAIMS OWED THE UNITED STATES Administrative Collection of Claims § 1408.14 Reporting of credit information. The Chairman...

  16. 12 CFR 608.814 - Reporting of credit information.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Reporting of credit information. 608.814 Section 608.814 Banks and Banking FARM CREDIT ADMINISTRATION ADMINISTRATIVE PROVISIONS COLLECTION OF CLAIMS OWED THE UNITED STATES Administrative Collection of Claims § 608.814 Reporting of credit...

  17. Influence of the Pearl River estuary and vertical mixing in Victoria Harbor on water quality in relation to eutrophication impacts in Hong Kong waters.

    Science.gov (United States)

    Yin, Kedong; Harrison, Paul J

    2007-06-01

    This study presents water quality parameters such as nutrients, phytoplankton biomass and dissolved oxygen based on 11 years of water quality data in Victoria Harbor and examined how the Pearl River estuary discharge in summer and year round sewage discharge influenced these parameters. Nutrients in Victoria Harbor were strongly influenced by both the Pearl River and sewage effluent, as indicated by the high NO(3) inputs from the Pearl River in summer and higher NH(4) and PO(4) in Victoria Harbor than both its sides. N:P ratios were low in the dry season, but increased to >16:1 in the wet season, suggesting that P is potentially the most limiting nutrient in this area during the critical period in the summer. Although there were generally high nutrients, the phytoplankton biomass was not as high as one would expect in Victoria Harbor. In fact, there were high concentrations of chl near the bottom well below the photic zone. Salinity near the bottom was lower in Victoria Harbor than at the two entrances to Victoria Harbor, suggesting strong vertical mixing within Victoria Harbor. Therefore, strong vertical mixing and horizontal advection appear to play an important role in significantly reducing eutrophication impacts in Victoria Harbor. Consequently, dissolved oxygen near the bottom was low in summer, but only occasionally dipped to 2 mgL(-1) despite the high organic loading from sewage effluent.

  18. Round the bend: a brief history of mental health nursing in Victoria, Australia 1848 to 1950's.

    Science.gov (United States)

    Sands, Natisha Marina

    2009-06-01

    This paper presents a history of mental health nursing in Victoria, Australia from 1848 to the 1950's, or the asylum years to the era of the mental hospital. The research for this historical overview was conducted as part of a literature review for a mental health nursing doctoral thesis, which included an account of the evolution of the profession from asylum attendant to the present time. The literature reviewed for this project revealed a distinct lack of a coherent, chronological account of the historical development of mental health nursing in Victoria, and this paper seeks to address that knowledge gap.

  19. Aprendiendo a entender. Victoria Ocampo y su descubrimiento de los Estados Unidos

    Directory of Open Access Journals (Sweden)

    Plotkin, Mariano

    2002-12-01

    Full Text Available The article analyzes the evolving relationship that Argentine intellectual and cultural entrepreneur Victoria Ocampo established with the United States. Through her trajectory the article analyzes broader topics such as the evolution of the Argentine social and intellectual élite’s project of modernization. Ocampo was at the same time a typical and a unique representative of the Argentine social élite. She was typical in the way she was educated in a cosmopolitan environment. She was unique because she occupied a central figure in the Argentine field of cultural production since the 1920 until her death in the late 1970s.

    El artículo analiza la evolución de la compleja relación que la intelectual y empresaria cultural argentina Victoria Ocampo estableció con los Estados Unidos. A través de esta trayectoria, el artículo analiza también temas mas amplios como la evolución de los proyectos modernizadores de la élite social e intelectual argentina. Ocampo era a la vez una representante típica y única de su clase social. Era típica por la manera en que fue educada en un ambiente cosmopolita. Era única por el lugar central que ocupó en el campo intelectual argentino desde la década de 1920 hasta su muerte a finales de los años 70.

  20. Reasons women give for contemplating or undergoing abortion: a qualitative investigation in Victoria, Australia.

    Science.gov (United States)

    Kirkman, Maggie; Rosenthal, Doreen; Mallett, Shelley; Rowe, Heather; Hardiman, Annarella

    2010-11-01

    To increase understanding of women's perspectives on considering or undergoing elective abortion. Qualitative study. A large public women's hospital in the state of Victoria, Australia. Sixty women who had contacted a public pregnancy advisory service in Victoria, Australia, seeking information, advice, or appointments in relation to an unplanned or unwanted pregnancy. Qualitative telephone interviews. The iterative qualitative analysis employed the five stages of a thematic framework approach. Themes in women's accounts of considering or undergoing elective abortion. Women's accounts emphasized their reasons for considering or seeking abortion. Decisions were made in the context of their lives as a whole; influences were usually contingent and multiple. Reasons related to the woman herself, the potential child, existing children, her partner and other significant relationships, and financial matters. This research used qualitative methods to produce the only recent study of its kind in Australia. Women's accounts reveal the complex personal and social contexts within which reproductive events must be comprehended and the thoughtfulness with which they make decisions. Results of this research will assist health-care professionals to increase their insights into women's reproductive experiences. Copyright © 2010 Elsevier B.V. All rights reserved.