Business Commons^™

Welcome Address At The In-House Seminar On The Mortgage Industry In Nigeria: Issues, Challenges And Prospects, Y. Nuhu

Economic and Financial Review

This is the welcome address by Alhaji Y. Nuhu at the in-house seminar on "the mortgage industry in Nigeria: issues, challenges and prospects", for CBN Executive Staff, Bauchi, October 24 - 28, 2005.

Special Remarks At The In-House Seminar On The Mortgage Industry In Nigeria: Issues, Challenges And Prospects., O. J. Nnanna

Economic and Financial Review

This is the special remarks by Dr. O. J. Nnanna at the in-house seminar on "the mortgage industry in Nigeria: issues, challenges and prospects", for CBN Executive Staff, Bauchi, October 24 - 28, 2005.

Opening Address At The In-House Seminar On The Mortgage Industry In Nigeria: Issues, Challenges And Prospects, O. A. Demuren

Economic and Financial Review

This is the opening address by Mrs. O. A. Demuren at the in-house seminar on "the mortgage industry in Nigeria: issues, challenges and prospects", for CBN Executive Staff, Bauchi, October 24 - 28, 2005.

Keynote Address At The In-House Seminar On The Mortgage Industry In Nigeria: Issues, Challenges And Prospects, Obadiah Mailafia

Economic and Financial Review

This is the keynote address by Dr. Obadiah. Mailafia at the in-house seminar on "the mortgage industry in Nigeria: issues, challenges and prospects", for CBN Executive Staff, Bauchi, October 24 - 28, 2005.

The Role Of The Mortgage Industry In Economic Development, Kayode Omotosho

Economic and Financial Review

This article examines the role of the mortgage industry in economic development with a view to identifying its problems, challenges and opportunities. Possible areas of assistance from other stakeholders are also highlighted. The article discussed the evolution of mortgage banking and financing in Nigeria and the demand/market for mortgage sector finance services in Nigeria. It estimates that Nigeria needed N50 billion annually to provide an estimate of 8 million housing units in 2000. The article then examines the Federal Mortgage Bank of Nigeria (FMBN) in the last decade (1990 - 2000) and National Housing Fund (NHF) as well as the …

Legal And Regulatory Framework For The Mortgage Industry In Nigeria, J. A. Akinwale

Economic and Financial Review

This article examines the legal and regulatory framework for the mortgage industry in Nigeria. The outline of major issues on legal and regulatory framework for mortgage institutions discussed in the article include: Functions of PMI’s vis-a-vis their enabling laws and role in the overall financial system; licensing; assets and liability powers; capital requirements; supervision; disclosure and verification of information; staffing, and developmental issues.

Mortgage Institutions And Financing In Nigeria: Performance, Constraints And Prospects, S. A. Oni

Economic and Financial Review

The article, mortgage institutions and financing in nigeria: performance, constraints and prospects, reviews the performance of the mortgage institutions in Nigeria. The rest of the paper is divided into four parts. Following this introduction is part 2 that focuses on the evolution of mortgage financing in Nigeria. Part 3 reviews the performance of mortgage institutions, while part 4 highlights the constraints in the sub-sector and the prospects of mortgage financing in Nigeria. Part 5 concludes the paper.

Understanding The Technical Operation Of Mortgage Market: Financing Options And Valuation Techniques, Femi Ekundayo

Economic and Financial Review

This paper aims to discuss the. evolution of mortgage banking in Nigeria, development and practice of mortgage financing and valuation techniques using Primary Mortgage Institutions (PMI) as a thrust. It is also to elicit contributions from others and subject the final product to further research for development of the scheme in Nigeria.

The National Housing Fund Scheme: The Journey So Far, O. A. Adeniji

Economic and Financial Review

This article reviews the National Housing Fund and highlight the successes and constraints. The rest of the article is divided into five sections. Section 2 reviews the National Housing Fund Scheme. The lessons of experience from other countries are contained in section 3, while section 4 highlights the achievements of the Federal Mortgage Bank of Nigeria (FMBN) since the inception of the reforms. The problems militating against the effective implementation of the NHF is the focus of section 5. Section 6 concludes the article.

Two Essays On Momentum, Seung-Chan Park

Doctoral Dissertations

One of the most controversial topics in recent investment literature has been stock return momentum. If an investor buys past winners and sells past losers, he will earn positive profits in the intermediate-term horizon (3 to 12 months). While behavioral theories seem to dominate as an explanation for the momentum phenomenon since momentum has been regarded as direct counter evidence for the efficient market hypothesis, Chordia and Shivakumar (2002) find that momentum can be explained by a set of macroeconomic variables. Chordia and Shivakumar argue that momentum is caused by time-varying expected returns that can be predicted by a set …

New Approaches To Risk Management And Scenario Approximation In Financial Optimization, Maksym Bychkov

Doctoral Dissertations

The first part of the thesis addresses the problem of risk management in financial optimization modeling. Motivation for constructing a new concept of risk measurement is given through the history of development: utility theory, risk/return tradeoff, and coherent risk measures. The process of describing investor's preferences is presented through the proposed collection of Rational Level Sets (RLS). Based on RLS, a new concept termed Rational Risk Measures (RRM) for nancial optimization models is defined. The advantages of RRM over coherent risk measures are discussed. Approximation of a given set of scenarios using tail information is addressed in the second part …

Designs For Stated Preference Experiments, Jennifer Lynn Golek

Doctoral Dissertations

We explore the use of different strategies for the construction of optimal choice experiments and their impact on the overall efficiency of the resulting design. We then evaluate how these choice designs meet the desired characteristics of optimal choice designs (orthogonality, level balance, utility balance and minimum level overlap). We further explore the feasibility of using entropy as a secondary measure of design optimality. We find that current algorithms afford little flexibility for using this secondary measure. We further study the impact of misspecification of the assumed parameter values used in creation of optimal choice designs. We find that the …

An X-Ray Of The Mortgage Industry In Nigeria, Fortune Ebie

Economic and Financial Review

This article provides a detailed examination of the Mortgage Industry in Nigeria with a view to identifying the issues, challenges and prospects. The rest of the paper is divided into five sections. The overview of housing industry in Nigeria is the focus of section 2 while section 3 reviews the structure of the mortgage industry. Section 4 focuses on the regulatory/institutional framework for mortgage financing in Nigeria. The x-ray of mortgage industry is undertaken in section 5 while section 6 concludes the paper.

The Land Tenure System: Which Land Title For The Nigerian Mortgage Industry?, J. A. Akinwale

Economic and Financial Review

The article examines among issues raised in the 2001 Report of the Presidential Committee on Urban Development and Housing, which made recommendations for the National Housing Policy. ln order to appreciate the kind of land tenure system that is operated in the country, the objective of this paper is to highlight the process and procedure individuals or corporate bodies will have to go through in order to secure finance for building or buying a house. The paper is divided into three sections. Following this introduction, is section two which discusses mortgage loan perfection, while section three appraises the land tenure …

Minerva 2005, The Honors College

Minerva

This issue of Minerva includes an article on the development of HON 170: Currents & Contexts; a discussion of the Honors College's "Last Lecture Series;" a reflection on the legacy of former Honors Program Director, Robert Thomson; and an article on the visual art found around the Honors College complex.

December 2005, Inland Empire Business Journal

Inland Empire Business Journal

Amtec Communications Teams up With Cymphonix

4 Ways to Increase Sales---Is your Marketing Pumping iron?

World Trade: A Mall for Global Manufactures

Office and Industrial Markets Poised for Sold Growth

Close-up

Corporate Profile

Investment and Finance

Commentary

World Trade

The List:

Chambers of Commerce

Business Brokerage Firms Serving in the Inland Empire

Fleet Automotive Dealership in the Inland Empire

Managing

Computers/ Technology

Real Estate Notes

Managers Bookshelf

New Business List:

County of San Bernardino

County of Riverside

Executive Time out

Sas 99 & Fraud Detection, Shunlan Lu

Chancellor’s Honors Program Projects

No abstract provided.

Farm Service Agency Direct Farm Loan Program Effectiveness Study, John Nwoha, Bruce L. Ahrendsen, Bruce L. Dixon, Eddie C. Chavez, Sandra J. Hamm, Daniel M. Settlage, Diana Danforth

Research Reports and Research Bulletins

This final report presents the results of an independent, performance-focused review of the effectiveness of Farm Service Agency (FSA) Direct Farm Loan Programs (FLPs) as requested by the Office of Management and Budget (OMB) in the 2005 Passback for FSA. The study focuses on FSA’s direct Farm Ownership (FO), Farm Operating (OL), and Emergency (EM) loan programs.

Center For Professional Ethics, Winter 2005, Case Western Reserve University

Center for Professional Ethics

Incomplete draft of issue:

Table of Contents:

• The Race at Case: One Leg of a Long Marathon
• Truth and Trust in a Time of Continuing Change: A Talk by Caroline Whitbeck
• Religious Lawyering: Professor Russell Pearce Keeps His Faith
• News and Notes

The Recovery Is Sustained: The Nebraska Business Forecast Council, Randy Cantrell

Business in Nebraska

In September and October of this year, Hurricanes Katrina and Rita combined with an already-stretched world oil market to generate a spike in energy prices throughout the United States. The price spike naturally generated concern for the economy. Most recent recessions in the U.S. economy have been preceded by peaks in oil prices. Did the energy price spikes following Katrina and Rita derail the quickly-growing U.S. economy? The early evidence, and the economic outlook, suggest that the answer is no.

Despite the hurricanes, third quarter GDP growth continued to be very strong, exceeding 4%. Further, strong job growth returned to …

Kundenprozessorientierung Durch Service-Portale: Das Beispiel W@M Von Endress+Hauser, Marc A. Caesar, Christine Legner, Hubert Oesterle, Jean-Gyl Capt

Hubert Oesterle

No abstract provided.

Kundenprozessportale, Marc A. Caesar, Christine Legner, Hubert Oesterle

Hubert Oesterle

No abstract provided.

Competitive Auction Markets In British Columbia, Peter Cramton, Susan Athey

Peter Cramton

US-Canada Softwood Lumber Trade Dispute, On behalf of British Columbia Ministry of Forests.

A Look At 20 Academic Libraries Technical Services Web Pages, Deana Groves

DLTS Faculty Publications

The 21st century technical services librarian has access to a plethora of electronic and online work tools from which to choose to complete daily tasks. An assessment of the Western Kentucky University Libraries 19 benchmark institutions shows a great disparity of online work tools made available through university libraries technical services departmental web sites. Four areas (technical services, cataloging, serials, and acquisitions) are discussed. Outcomes indicate that 1) few of these institutions list online work tools and 2) of those that do, there is very little overlap. This paper investigates this phenomenon of inconsistent technical services online work tools.

From The Editor-In-Chief, Jeanie M. Forray

Organization Management Journal

No abstract provided.

Editor's Introduction, Steve Meisel

Organization Management Journal

No abstract provided.

Special Issue “Emerging Scholars, Developing Perspectives, Promising Processes” Editors’ Introduction, Cliff Oswick, Tom Keenoy, Ida Sabelis, Sierk Ybema

Organization Management Journal

No abstract provided.

Liening On Dhr Construction, Llc, Herbert Sherman, Daniel James Rowley

Organization Management Journal

This case describes the attempts of a small residential construction company to close on a home that they have built. The problem for the characters in question is how to proceed in this situation given the fact that a third party lien has been put against their properties because the developer they bought the properties from had not paid his landscaper. The case has a difficulty level appropriate for a freshmen and/or sophomore level course. The case is designed to be taught in one to two class periods based upon the authors’ prior experiences in teaching this case. Instructional time …

Boots On The Ground: Use And Implications Of War Metaphors In A Top Team, Jo L. Longnecker

Organization Management Journal

This paper describes the use and implications of war and military metaphors shared by a top management team working in the defense industry. The team used war metaphors pervasively to make meaning of the ambiguity and uncertainty in its environment. Five categories of war metaphors and action verbs were found. Findings from this study suggest the team used metaphors to structure and communicate abstract ideas and experiences, highlight or hide aspects of the work environment, unite team members, lead their organization, and maintain their warlike culture. Further findings demonstrate how the team constructed and maintained metaphors individually, intersubjectively, unreflectively, and …

Towards A Hermeneutics Of Narrative Identity: A Ricoeurian Framework For Exploring Narratives (And Narrators) Of Strategy, Steven Sonsino

Organization Management Journal

With notable exceptions, the organization studies literature has tended to exclude a consideration of time from considerations of narrative identity. Building on the work of Ricoeur, and starting from the position that narrative identity is dynamic and rests on a temporal structure, it is suggested that narrative identity emerges from the poetic composition of one or many narrative texts. Drawing upon Ricoeur’s conception of narrative identity, an analytic framework is developed and encompasses a dialectic where narrative is described as the path of character, and character as the path of narrative. Narrative identity, in conclusion, is a reflexive consideration of …