... Journal of Economics and Business, November Long, Simon 2000 “Online Finance: The Virtual Threat,” The Economist, May 20 Marks, James 1999 TheImpactofthe Internet on Users and Suppliers of Financial ... Source: Summary of Deposits, National Information Center Database II IMPACTOFTHE CHANGES ON CONSUMERS Consumers have traditionally relied on nearby banks and branches for many of their banking ... small and large banks for their banking services The first section ofthe article reviews the three major changes in the banking system—consolidation, Internet banking, and financial integration The...
... t) ∈ I and Ex,k [·] stands for the expectation over the set of iterations (we can consider an arbitrary subset of all iterations) andthe observation vector Once the autocorrelation function is ... message andits approximation In each iteration, the relation is used for the evaluation ofthe approximated message which is then inserted into the run ofthe reference model instead ofthe original ... BER ofthe BICM for different message representations As it was mentioned, the randomness ofthe message is given not only by the iteration andthe observation vector, but also by the position...
... (iii) The Law onthe State Bank in 1997 andthe Law on Credit Institutions of 1997, amendments to both laws in 2003 and 2004 respectively; thenew Law onthe State Bank of Vietnam 2010; andthenew ... systems have a role and responsibility to oversee the actions of senior management in order to ensure that the running ofthe company serves the wishes and interests of shareholders (Aguilera and ... N.N. Thang / VNU Journal of Science, Economics and Business 27, No. 5E (2011) 12‐19 ofthe stock market and a transparent economy in Vietnam In the light ofthe both domestic and international attention paid...
... (iii) The Law onthe State Bank in 1997 andthe Law on Credit Institutions of 1997, amendments to both laws in 2003 and 2004 respectively; thenew Law onthe State Bank of Vietnam 2010; andthenew ... systems have a role and responsibility to oversee the actions of senior management in order to ensure that the running ofthe company serves the wishes and interests of shareholders (Aguilera and ... N.N. Thang / VNU Journal of Science, Economics and Business 27, No. 5E (2011) 12‐19 ofthe stock market and a transparent economy in Vietnam In the light ofthe both domestic and international attention paid...
... expectation of PWD, the conditions for enforcement and implementation ofthe policies and laws are limited The localities depend onthe development projects and programs in order to carry out the ... disabilities, and Correpondent Nr 9890/BGD ĐT-GDTH guiding the contents and approaches for education of students in difficult situation In theory, the existing policies has mentioned andimpacton all ... The contents ofthe inclusive education 27 programs is based onthe common education program and curriculums that are relevant to the ability and learning conditions of students The students...
... (iii) The Law onthe State Bank in 1997 andthe Law on Credit Institutions of 1997, amendments to both laws in 2003 and 2004 respectively; thenew Law onthe State Bank of Vietnam 2010; andthenew ... and senior executives of firms; ii) clarification ofthe legal roles and responsibilities of Board of Management members and senior executives of firms; iii) improve the role ofthe Inspection ... understanding ofthe crucial dimensions andthe effectiveness of corporate governance practices, a comparison of return on equity (ROE) and return on assets (ROA) between the higher score, middle score, and...
... to the variations of' substrates Especially in decisive reactor, the conditions of sludge concentration and oxygen should be strictly controlled Steady sludge concentration and aerobic situation ... units 240 No Sludge concentration dynamic distribution anditsimpactonthe performance of UNITANK ~~~~ Influent quality was considered stable during the tested half-cycle 2.3.1 Variations of ... condition The HRT and lengths of half-cycle and feeding period should b e well controlled The performance of UNITANK is influenced strongly by sludge distribution Unsteady sludge concentration...
... focus on dot.com youth entrepreneurs "Chapter Two: Conceptual and Contextual Background" offers an outline ofthe historical context oftheNew Economy, its popular legacies, and a consideration of ... short consideration ofthe denotations and connotations attached to the concept of "youth", and moves on to examine a series of research surveys focussing on three broad areas in the literature on ... ruthless and disloyal in exploiting and subverting the very same institutional 11 discourse upon which they established their professional careers, for their own professional ambition and profit Further...
... believed theThe Mass Media anditsImpacton Economics 22 media coverage ofthe Deepwater Horizon oil spill was a key factor the slowing ofthe local economy while 37% believed the national recession ... on Economics 26 could have caused more harm than good onthe perception ofthe local economies Limitations: The case study of how media’s coverage of Deepwater Horizon andtheimpactonthe Mississippi ... information is gathered and disseminated to the audience (Severin andThe Mass Media anditsImpacton Economics Tankard, 2001) A closer look at the Westley-Mac Lean model of communication aids in the...
... also conducted as the further confirmation ofthe collected results from the experiment The questionnaire includes closed questions, rating scale and free responses This kind of questionnaire ... and reformulations Among these features, Robinson et al (1995) took the number of pauses and Bygate (1996) used amounts of repetitions Onthe other hand, Mehnert (1998) argued that in addition ... information and their opinions on academic group discussion andits effects onthe learning process The results collected from audio-record, questionnaire andthe field notes will be analyzed and...
... Nature of group work - Relationship between group work and individual presentation Objectives ofthe study contribute more theory to the understandings of group discussion find out the essentials ... better and more accurately than those in NP group in terms of EFVF and EFNF (in terms of tense, subject verb agreement and pronouncing morpheme-s in plurality ) Conclusions and Suggestions ... plurality? Methods ofthe study Qualitative : - Observation - Questionnaire Quantitative: - Descriptive statistics Subjects ofthe study 16 post-elementary non major students all of them learned...
... Economy and Microfinance Institutions in Malawi Survey Designand Description ofthe Data Econometric Analysis oftheImpactof Access to Credit on Household Welfare Results ofthe Econometric ... Survey Designand Description Survey Designand Description oftheofthe Data Data T o study theimpactof household access to formal credit, one needs a sample containing a sufficient share of ... could they borrow a given amount) A good deal of time was further spent in the field and in the office checking the consistency of answers to these questions and their relation to answers given on...
... wavelengths ofthe terrestrial radiation are now in the infrared (l=4-20 mm) Carbon dioxide strongly absorbs radiation in the to 14-mm wavelength region, which overlaps with the peak of intensity ofthe ... radiation The net effect ofthe carbon dioxide in the atmosphere is to prevent some ofthe thermal energy from escaping from the earth; hence, it leads to a heating ofthe atmosphere In general, the ... in the earth, it is calculated that 52% ofthe 14 billion tones of carbon dioxide is being retained in the atmosphere per year; and 37% sinks into the oceans, whereas the depositional locations...
... formation of associations The Trade-Concentration Model To understand retail development, in this dissertation, I employ the model of tradeconcentration The concept of trade-concentration has ... a great deal of influence on national markets The capitalist world-economy internationalizes the division of labor and controls the shifting roles ofthe core and periphery nations (Sklair 1999:149) ... using the model of retail trade-concentration More specifically, this study provides the background for the concept of retail trade-concentration andits application to emerging economies Then, the...
... effects of low income and poor community integration on perceived overall Quality of Life (WHOQOL) ofthe participants Conclusions: The results of this study demonstrate how the health and well-being ... distributed across the domains.[17] The Turkish version ofthe WHOQOL BREF (TR) was reliable and valid [15] Sampling and data collection There is no accurate population database onthe size ofthe TSCs ... available for the measurement ofthe performance ofthe health care services and health promotion [36-41] We did not use any of them as they are very long and our respondents will have time constraints...
... discontinuity and can vary as a result of factors such as the differential stress magnitude, fault models, the friction coefficient onthe discontinuity andthe strike ofthe discontinuity relative to the ... permeability reduction for the Namur, Hutton and Murta formations of 30% In the other hand, the normalized permeability for the Poolowanna and Birkhead formations decreased only 10% This agrees ... The selections of fault models, fault friction, friction internal angle and Poisson’s ratio are very important to assess the influence of discontinuity onthe reservoir compaction and subsidence...
... accumulation and consumption Due to the ownership nature of EGs, profit distribution model in the EGs has different points onthe delimitation of profit to portions andthe determination ofthe rate ... performance ofthe EGs - The status of allocation and use of financial resources ofthe EGs - The status of distribution and use of operational efficiency of EGs 2.2.2.3.2 External factors ofthe EGs There ... structure, on allocation of free finances, on distribution of profits, andon allocation of trade credits The knowledge of financial management is necessary for both the past and forecasting of future...
... proportion of females with a history of arthritis and a lower proportion of females with a history of fractures in the community controls and Never-Runners compared to their counterparts, but these ... then they rated their amount of pain onthe VAS If they responded "No", then their pain score was assigned a value of zero Statistical analysis Differences between groups at first evaluation (baseline) ... dropped out in the first years ofthe study To attenuate self-selection bias and exercise effects due to the exercisers among the community controls, we also created groups of Ever-Runners and NeverRunners...
... Spinsterhood anditsimpacton disease features in women with rheumatoid arthritis Health and Quality of Life Outcomes 2011 9:58 Authors’ contributions BA and NHH conceived the study, participated in its ... by the duration of morning stiffness (minutes), night pain, number of swollen and tender joints; biologically by the erythrocyte sedimentation rate (ESR) and C reactive protein (CRP); and by the ... context and may inform clinical interventions of RA Large studies seem to be necessary in order to confirm those results Page of 12 Ben-Zur H: Coping, affect, and aging: the role of mastery and...