failure of all banks in the group

... banks in making small business loans Loan officers at small banks can take into account a wide variety of factors in reviewing applications for small business loans, including the character of ... interest in understanding issues facing community banks I THE CURRENT ROLE OF COMMUNITY BANKS The banking system in the United States has always been unique in the sense of containing large numbers of ... As in the case of ROA, however, small banks showed no sign of falling further behind large banks until the end of the decade Small banks have always tended to compare less favorably to large banks...

Ngày tải lên: 16/02/2014, 11:20

... the sector are developing a common definition of the terms used in the microfinance sector and involving all the actors in the development of this sector in Europe The financial crisis has had ... MFIs in the provision of microcredit The Commission sees the role of the savings banks as a complementary to non-banking financial institutions, since they often target different segments of the ... such as the JEREMIE and the JASMINE programmes Savings banks have a particular role to play in the development of microfinance, since they finance the local economy in the communities where they...

Ngày tải lên: 06/03/2014, 10:20

... 2.7 Allowing the recycling of deposits into lending Equally, and in parallel with the optimisation of the accumulation of small savings, it is important to look at the way in which these savings ... institutions In addition to the distribution of part of their profits for increasing social and financial inclusion, WSBI member banks generally go further than other financial institutions in their ... many of them have been pioneers in the Latin American microfinance industry As of today, out of 15 Latin American members are active in microfinance These members are involved in different ways in...

Ngày tải lên: 06/03/2014, 10:20

... methoxy group and the oxygen at C4 lower the binding order of the carbon C4 and strengthen the downshift of the 4C¼O mode [10,11] In principle, X-ray-based structural models of the reaction centre of ... vibration of QA by  60 cm)1 [10,11], indicating strong asymmetric binding of UQ10 at the QA site, in contrast to symmetric, weaker binding of UQ10 at the QB site [12,13] To explain the difference in ... chain cut) of two structural models In the upper model, the C(5) methoxy group is out of plane, whereas the C(6) methoxy group is orientated in the ring plane [2] In reference [3] the methoxy groups...

Ngày tải lên: 23/03/2014, 21:20

... 11% in 2012 in structure of the guarantee due to lack of collateral of the loans in other banks (see Table 2.8) Table 2.7 The balance of a bank guarantee of commercial banks in HCM City in the ... form of credit, to exploit the advantages of all kinds, each method in the form of credit, to better meet the needs of the customers, increase income and minimize credit risk of commercial banks ... Management The national library, Hanoi FOREWORD Motivation of the Study Credit activity of the banks in general and of the join stock banks in the area of Ho Chi Minh City (HCMC) in particular...

Ngày tải lên: 16/07/2014, 15:29

... an elementary proof of a weak form of the Hall-Paige conjecture We begin with a minimal background on the theories of latin squares and loops 1.1 Latin squares A latin square of order n is an ... part of Theorem 1.1 (that (2) =⇒ (1)) We however introduce a weakening of the orthogonal mate condition in the following theorem While this result follows directly from a combination of Theorems ... our introduction In any case, the meaning is always made clear by the context The multiplication group of Q, written Mlt(Q), is the subgroup of the symmetric group SQ generated by all left and right...

Ngày tải lên: 07/08/2014, 21:21

... only a minor role in determining the frequency of chromosomal rearrangement Nevertheless, the coincidence of the signatures of concerted evolution and recurrent breakpoints of chromosomal rearrangements ... in the genetic background of the populations is not clear The absence in the chimpanzee of a hotspot in the region homologous to the human recombination hotspot in the major histocompatibility ... enable further insights into the most basic properties of homologous recombination refereed research What is the signal for recombination hotspots in the human genome? Does it reflect only the positional...

Ngày tải lên: 14/08/2014, 14:21

... where the focus of technology is the ordering of the relationship between the administration and the citizen, in setting the boundaries between the state and the market, and in ensuring of greater ... states: “there are insufficient numbers of people in developing countries trained in appropriate technologies…training opportunities are also straining to meet needs” The low rates of literacy in developing ... motivations of those involved in the project (Madon, 2004) From this it can be inferred that a lack of training, skills and change management efforts (soft factors) would all affect the rates of failure, ...

Ngày tải lên: 03/10/2014, 20:32

... thoughts Analyzing these following examples: (22) The motion of all things was a drifting in the heart of the Canyon (…) The hum of the bees and the whisper of the stream were a drifting of sound (…) ... Diagram 2: The percentage of demonstrative reference in the story Diagram 3: The percentage of the definite article "The" in the story Diagram 4: The percentage of conjunctive devices in the story ... substitution in the story Table 5: The percentage of ellipsis in the story Table 6: The percentage of conjunction in the story LIST OF DIAGRAMS Diagram 1: The percentage of grammatical cohesion in the...

Ngày tải lên: 15/07/2015, 12:57

... fiber and matrix failure by using critical strain invariants The theory is called strain invariant failure theory, Effects of Micromechanical Factors in the Strain Invariant Failure Theory for Composites ... in the fiber (or 1-) direction for one of the faces, the 20 Effects of Micromechanical Factors in Strain Invariant Failure Theory for Composites model is constrained in the other five faces The ... respect to the prescribed strain The single cell is taken in the middle of the multi cell model (Figure 3-7a) Twenty points in the single cell are then chosen for the extraction of local strain values...

Ngày tải lên: 05/10/2015, 13:53

... evaluation of the investment project involving lending activity of the commercial banks 1.4.2 The indicators to the quality of the financial evaluation of the investment project involving lending activity ... evaluation of the investment project involving lending activity of the commercial banks 1.4.1 The definition of the quality of the financial evaluation of the investment project - Check before lending ... decide whether to len 1.3 The financial evaluation of the investment project involving lendingg activity of the 1.3.2.2 The content of the financial evaluation of the investment project of the commercial...

Ngày tải lên: 02/05/2016, 23:12

... mentioned in the last part of this chapter The next chapter will present the data analysis of the survey and explain the statistical results of the hypothesis testing - 27- The determinants of customer ... service industries around the world In the retail banking sector, Levesque and McDougall did a research of the main determinants of customer satisfaction in Canada in 1996 on the basis of data ... of finding out the main factors influencing on the satisfaction of customers of Norwegian Institute of Fisheries and Aquaculture Ltd with consultant services in Tromso, Norway The customers of...

Ngày tải lên: 04/08/2017, 21:20

... Thus, the target population defines those units for which the findings of the survey are meant to generalize Establishing study objectives is the first step in designing a survey, and defining the ... statistic It is the probability of observing a test statistic The smaller the P value, the more strongly the test rejects the null hypothesis, that is, the hypothesis being tested A p-value of 05 or ... appropriate indicators In examining baseline comparisons, the CFI depends in large part on the average size of the correlations in the data If the average correlation between variables is not high, then...

Ngày tải lên: 12/08/2017, 20:58

... of Vietnam and the South of Vietnam The structure of Vietnam’s SFC organization The supply chain quality management of interviewed SFCs The fish chain in the Netherlands The shrimp chain in the ... especially thank Ms Hong Minh, the deputy of Fisheries Industry; Mr Dinh Hoe, the deputy head of VASEP in Ho Chi Minh City; Mr Nguyen Chinh, the director of the NAFIQAVED branch in Cantho for all ... (CDS), the Faculty of Economics of the University of Groningen in the Netherlands, and the School of Economics and Business Administration (SEBA) of Cantho University in Vietnam Numerous institutions,...

Ngày tải lên: 23/04/2013, 09:34

... the central area for the purpose of resettlement Generally, getting along with the rapid expansion, the east bank of the Red River exhibited the beginnings of urbanization The south-west of the ... components: Bac Linh Dam (North of Linh Dam), Linh Dam peninsula in the middle and Linh Dam expansion (South of Linh Dam) The success of the project has set the stage for a series of New Towns that ... tropical climate Among these, the outstanding point is the area of highstorey apartments and office buildings in the center of Linh Dam peninsula, surrounding by low-storey buildings, parks, open...

Ngày tải lên: 29/08/2013, 08:15

... nặng nhọc với mức thu nhập thấp, kéo theo điều kiện sống mức tối thiểu, tạm bợ khu nhà trọ rẻ tiền với điều kiện sinh hoạt an ninh không đảm bảo Đời sống tinh thần lao động hạn chế Họ thấy cô ... làm việc chợ lao động thuê trọ theo ngày (đêm), lại thuê nhà theo tháng Có khoảng 22,86% nữ lao động tự phải sống nơi có điều kiện sinh hoạt không đảm bảo, vệ sinh; 40,95% không sử dụng nước ... vật chất, tinh thần lao động nghèo nàn Họ thường tiêu tiết kiệm cho khoản chi phí sinh hoạt thiết yếu Có 22,86% nữ lao động tự phải sống nơi có điều kiện sinh hoạt thiếu thốn, vệ sinh Họ thường...

Ngày tải lên: 29/08/2013, 08:15

... Identification of C8-modified deoxyinosine and N2- and C8-modified deoxyguanosine as major products of the in vivo reaction of N-hydroxy-6-aminochrysene with DNA and the formation of the adducts in isolated ... recommend the Ames test using these sensitive strains (especially YG1041 and/or YG1042) in combination with the standard tester strains (TA98 and TA100 series), in order to detect the mutagenicity of ... ogttST::Cmr) strain (deficient in O6-methylguanine DNA methyltransferase) sensitive to alkylating chemicals These strains were kindly supplied by Dr T Nohmi of the National Institute of Health Sciences...

Ngày tải lên: 05/09/2013, 08:40

... of drinking water source The daily dosage of the drinking water is assumed to be L for all individuals in Fukushima city According to statistical analysis of river discharge at the intake point ... age group is calculated as the product of three valuables of the infectious risk, the relative sensitivity to intestinal infectious disease (Figure 1) and the population in the age group The ... 99.9% of rotavirus in the secondary effluent is inactivated by the chlorine disinfection (Vaughn et al., 1986) The viral concentration in the drinking water source is calculated from those in the...

Ngày tải lên: 05/09/2013, 09:08

... -80oC The extraction of DNA was performed with Fast DNA SPIN Kit for Soil (Qbuiogene, USA) according to the instruction by the manufacturer In the preliminary step to nawwor down the species of ... applied, and the condition was optimized In general, the higher concentration of primers can lead to the formation of primer dimers Also, the cost of the chemicals should be minimized if the same ... quantitative In order to more accurately determine the behavior of nitrifiers, a quantitqative PCR method (Quanching Primer-PCR) for the determination of Nitrobacter species was developed by using the...

Ngày tải lên: 05/09/2013, 09:38