... 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 ... attracted by the more favorable rates offered by these online companies And they may lose other customers who prefer the convenience of online banking The convenience factor may become even more of an...
... 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; the new Law onthe State Bank of Vietnam 2010; andthe ... 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 Jackson, 2003) ... 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; the new Law onthe State Bank of Vietnam 2010; andthe ... 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 Jackson, 2003) ... 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 ofthepoliciesand laws are limited The localities depend onthedevelopment projects and programs in order to carry out thepolicies ... guidance onthe implementation ofthe Law However, the gap between policiesandthe implementation ofpolicies remain In general, policies are not implemented as expected One ofthe main causes for the ... PWD andthe standard deviation was 858 5.5 Theimpactof education policieson PWD Thepoliciesand law to support people with disabilities promulgated at the national level were applied and...
... (iii) The Law onthe State Bank in 1997 andthe Law on Credit Institutions of 1997, amendments to both laws in 2003 and 2004 respectively; the new Law onthe State Bank of Vietnam 2010; andthe ... 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...
... 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 ... focus on dot.com youth entrepreneurs "Chapter Two: Conceptual and Contextual Background" offers an outline ofthe historical context ofthe New Economy, its popular legacies, and a consideration of...
... 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 ... Partly traditions and partly the nearness of a particular store explain the continued patronization of small stores by consumers The product category and income of consumers also influence their purchase ... status of trade-concentration in Citlalicalli is evaluated Once the presence of retail trade-concentration is established, causes ofits occurrence andits effects onthe retail structure of Citlalicalli...
... 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...
... initiation site account for the majority ofthe basal promoter activity [34] However, little information is available onthe transcription factor(s) involved in the modulation ofthe expression of ... polarization ofthe infected cell cytoskeleton at the site of cell-to-cell contact andthe accumulation of viruses at the cell junction [7] GLUT-1 has been reported to be part of this receptor and to ... HTLV-I gp46 cDNA under the control ofthe SV40 promoter The pActin-LacZ vector contains the β-galactosidase gene under the control ofthe actin promoter The pLTRX-Luc construct was kindly provided...
... contribution This thesis mainly focuses on two contributions of PCM: using PCM as a SSDbuffer to increase its write efficiency, andimpactof PCM on relational database As the first and main contribution ... PCM The region on flash that stores the data is called data region, andthe region on PCM where we store the update logs of flash pages is called log region We cannot place the PCM-based log region ... address ofthe accessed data is sent to both the data region of flash page and log region of PCM The exact log region is located by looking up onthe F-Block to P-Block mapping table If the log region...
... institutions The research presented in this report focuses only onthe investigation ofthe second premise It addresses a number of questions related to the provision of institutional credit in the context ... without the contribution of many others in Malawi, at IFPRI, and at other institutions Foremost, we are grateful for the assistance ofthe staff ofthe Department of Rural Development (DRD) who contributed ... Economy and Microfinance Institutions in Malawi Survey Design and Description ofthe Data Econometric Analysis oftheImpactof Access to Credit on Household Welfare Results ofthe Econometric...
... 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...
... 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 ... 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 ... C., and Yassir, N A.Estimation of horizontal stress at the depth in faulted regions and their relationship to pore pressure variation SPE Formation Evaluation (1996) [2] Ambastha, A K., and Meng,...
... 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...
... additional detail Modeling theimpactof cassette deletion onthe progression of infection We simulated scenarios containing or fewer shRNAs Scenarios 1, 2, and modeled control combinations of 6, ... degrees of repeat deletion for combinations of shRNAs Modeling different degrees of repeat deletion for combinations of shRNAs (A) The scenarios modeled, showing the progression of infection via the ... simulated thedevelopmentof mutations andthe progression of infection for more than 13 years Our simulations provided evidence that or more shRNA can effectively suppress the spread of infection while...
... Discussion The purpose of this work was to analyze the causes ofthe increasing number of hospital-related incidents in Region Västra Götaland of Sweden and their impacts onthe prehospital and hospital ... ED-overcrowding and consume huge regional resources The aim of this paper was to identify the causes of these incidents in the Region Västra Götaland (western region of Sweden) by reviewing the PKMC ... been some ofthe solutions to handle the economical constrain onthe healthcare systems [9,11,13] The mean length of hospital stay (LOS) has been reduced in Sweden, as well as other Scandinavian...