Digital Commons Network^™

Trust And The Demand For Personal Collateral In Sme - Bank Relationships, Andrea Moro, Mike R. Lucas, Devendra Kodwani

The Journal of Entrepreneurial Finance

Previous research on relationship lending has paid very little attention to the role of trust. Trust might be ex-pected to reduce agency costs, perceived credit risk and thus the request for personal collateral. Trustworthiness is associated with three attributes of SME owner/managers’: ability, benevolence and integrity. We hypothe-sised that loan managers’ assessment of the trustworthiness of owner/managers is negatively associated with the personal collateral demanded by banks. Using the quantitative and qualitative data about 457 SMEs-bank rela-tionships in North East Italy, we tested this hypothesis. The results show that trust has a minor role in reducing the request of collateral.

Front Matter And Table Of Contents (V.79)

Présence Francophone: Revue internationale de langue et de littérature

No abstract provided.

The Deaf Catholic, Winter 2012

ICDA The Deaf Catholic

A newsletter published for Deaf Catholics in USA

ICDA The Deaf CatholicFinding Aid

Political Contributions And Insurance, Bryan Engelhardt, Justin Svec

Economics Department Working Papers

We propose a mechanism that eliminates the incentive for risk-averse agents to influence government policy via political contributions. The mechanism requires the government to create a political insurance exchange where agents can insure against the outcome of a government decision and firms selling insurance announce and commit to a price of insurance and their political contributions. If the exchange contains actuarially fair priced insurance, then the agent fully insures and neither the firm nor agent lobbies the government. The exchange is better than contribution limits because it is welfare-enhancing, more fair, and does not restrict speech.

Assessing The Nutritional Health Outcomes Of African American Women With Hiv And Substance Abuse Disorders Using A Socioecological Approach, Meena Mahadevan, John Ruzsilla

Department of Nutrition and Food Studies Scholarship and Creative Works

It is well established that poor nutritional status leaves HIV-positive substance abusers especially vulnerable to an increased risk of opportunistic infections and other illnesses. Socioecological frameworks have been useful for identifying multiple influences on health risks, leading to the development and evaluation of promising community-based interventions for diseases such as cancer and diabetes. This article presents a conceptual model, based on the socioecological approach, to examine the mechanisms and pathways by which the various contextual factors unique to HIV-positive African American women with substance abuse disorders intersect to impact their nutritional health outcomes. The mediating effects of the interpersonal, environmental, …

Non-Invasive Positive Pressure Ventilation (Nppv) Its Uses, Complications, & Implications Within Nursing Practice In Acute Care Settings, Alexis Marano

HIM 1990-2015

The use of noninvasive positive pressure ventilation (NPPV) in acute care settings has drastically increased within the past 20 years. Research has indicated that NPPV is equally as effective as traditional mechanical ventilation(MV) in treating acute exacerbations of chronic pulmonary obstructive disease (COPD) and cardiogenic pulmonary edema. Furthermore, the risk of complication from NPPV is much lower than MV, in terms of ventilator-associated pneumonia and sepsis. It is imperative for the nurse to understand the various indications, interfaces, and potential complications associated with NPPV use. In addition to treating acute exacerbations of COPD and cardiogenic pulmonary edema, NPPV has been …

Neither Rules Nor Standards, Steven A. Dean

Faculty Scholarship

No abstract provided.

The Malaise Of Modernity: Urbanization, Mobility, And Hiv In The Pacific, John Connell, Joel Negin

Pacific Studies

The human immunodeficiency virus (HIV) is unevenly distributed in the Pacific. Most cases are found in Papua New Guinea (PNG). In most Pacific Island states, transmission of HIV is sexual and heterosexual. Urbanization, migration, and mobility are key influences on its distribution and spread. Migration into towns and workplaces, mobility between towns and overseas employment, and return migration influence infection rates. Sex work, mainly an urban phenomenon, is a key source of transmission. High-risk sexual behavior, migration, affluence, poverty, and inequality coincide in urban areas. Different mobile groups include commercial sex workers, skilled workers, and seafarers. Most such groups migrate …

Pacific Studies Vol. 35, No. 3 - December 2012 Full Issue

Pacific Studies

No abstract provided.

O! Call Back Yesterday, Joy Trott

WLU Press Books

When VE Day was announced in 1945, twenty-one year old Joy Trott was halfway across the Atlantic Ocean with a newborn daughter who had yet to meet her father. Armed with a trunk and a pram, Joyce embarked on a new life alongside her Canadian husband.

In her memoirs, Trott recounts her early childhood in Depression-era Great Britain and the death of her parents, her life as a teenaged volunteer in the Auxiliary Territorial Service of the British Army, and her immigration to Canada as a young war bride. Interwoven into this personal narrative are anecdotes and reflections on class, …

Winter Microhabitat Foraging Preferences Of Sympatric Boreal And Black-Capped Chickadees In Michigan's Upper Peninsula, Alec R. Lindsay Ph. D., Zach G. Gayk

Faculty Works

We examined differences in microhab- itat use between Boreal (Poecile hudsonicus) and Black- capped chickadees (P. atricapillus) where they co-occur near Marquette, Michigan, USA. Twenty-four Boreal and 37 Black-capped chickadees were followed during 60 hrs of field observation. Boreal Chickadees foraged only in three conifer species, 76% of which were black spruce (Picea mariana), while Black-capped Chickadees foraged widely across six coniferous and three deciduous tree species. Analysis of foraging data categorized by zones within conifer trees indicated high niche overlap (0.676) between Boreal and Black-capped chickadees across all foraging zones. Individual comparisons on a zone-by-zone basis revealed a significant …

Cues Used By The Black Fly, Simulium Annulus, For Attraction To The Common Loon (Gavia Immer), Meggin L. Weinandt, Michael W. Meyer, R. Mac Strand, Alec R. Lindsay Ph. D.

Faculty Works

The parasitic relationship between a black fly, Simulium annulus, and the common loon (Gavia immer) has been considered one of the most exclusive relationships between any host species and a black fly species. To test the host specificity of this blood-feeding insect, we made a series of bird decoy presentations to black flies on loon-inhabited lakes in northern Wisconsin, U.S.A. To examine the importance of chemical and visual cues for black fly detection of and attraction to hosts, we made decoy presentations with and without chemical cues. Flies attracted to the decoys were collected, identified to species, and quantified. Results …

Using Dweck's Theory Of Motivation To Determine How A Student's View Of Intelligence Affects Their Overall Academic Achievement, Keely P'Pool

Masters Theses & Specialist Projects

This study explored how student intelligence was directly linked to the goals and motivation held by students when engaged in academic settings. Students were administered a questionnaire developed by Dr. Carol Dweck in which they responded to statements in order to determine their individual theory of intelligence. Once this was accomplished, multiple student variables (including but not limited to first semester GPA, second semester GPA, ACT composite score, age, and college coursework) were compared to their view of intelligence to determine if any correlations existed.

Results showed that there was no significant difference between students who viewed intelligence as malleable …

Integrating Expert System And Geographic Information System For Spatial Decision Making, Sriharsha Shesham

Masters Theses & Specialist Projects

Spatial decision making is a process of providing an effective solution for a problem that encompasses semi-structured spatial data. It is a challenging task which involves various factors to consider. For example, in order to build a new industry, an appropriate site must be selected for which several factors have to be taken into consideration. Some of the factors, which can affect the decision in this particular case, are air pollution, noise pollution, and distance from living areas, which makes the decision difficult. The geographic information systems (GIS) and the expert systems (ES) have many advantages in solving problems in …

Age Differences In Reward Anticipation And Memory, Kristen L. Cushman

Masters Theses & Specialist Projects

Aging research on item- and associative-recognition memory has demonstrated that older adults are deficient in forming associations between two unrelated stimuli. Although older adult performance on tests of item-recognition is similar to younger adult performance, older adults perform worse than younger adults on tests of associative memory (Naveh-Benjamin, Hussain, Guez, & Bar-On, 2003). In addition to the idea that younger adult performance on associative-recognition tests is superior to that of older adults, research has shown that reward cues can enhance motivated learning and item memory performance of younger adults. In an fMRI study that examined the influence of reward anticipation …

Influences Of A Cladophora Bloom On The Diets Of Amblema Plicata And Elliptio Dilatata In The Upper Green River, Kentucky, Jennifer Maria Yates

Masters Theses & Specialist Projects

Freshwater mussels are the most imperiled group of freshwater invertebrates globally. Recent research suggests a better understanding of mussel feeding ecology may facilitate and improve conservation efforts. The use of stable isotopes is becoming an increasingly common method to study aquatic food webs. Carbon (C) and nitrogen (N) are two of the most frequently employed elements in food web studies. Differences in natural abundance of ¹³C/¹²C can indicate which food sources are the basal sources of carbon incorporated into a consumer’s tissue, while the ratio of ¹⁵N /¹⁴N provides a method of assessing trophic …

On Metal Synthesis Of Some Substituted Rhenium And Manganese Complexes, Jaron Michael Thomas

Masters Theses & Specialist Projects

Heterocyclic organic and organometallic compounds (i.e. polypyrrole), and their derivatives, have been of great interest for conductive polymers due to their novel properties and environmental stability as compared to their non-aromatic analogs (i.e. polyacetylene). Our current interest focus upon the potential role of metal ligand bound pyridazines as the next generation of electronic devices that utilize the metal ligands bound to organics as the semiconducting material. Pyridazine is a 6-membered aromatic ring with two adjacent nitrogen atoms. These are promising candidates for a variety of materials and commercial applications; but they are difficult to get a metal ligand to fuse …

The Relationship Between Eating Disorder Symptomology, Critical Body Comments, And Memory Recall, Morgan Littrell

Masters Theses & Specialist Projects

Previous research done in the area of eating disorders suggests many different variables, such as cognitive, biological, and social, that are thought to influence eating disorder development and maintenance. The present study attempts to combine cognitive and sociocultural research findings, memory recall and critical body comments, in an effort to see how, if at all, these two variables affect eating disorder symptomology. Participants for this study were 120 female students that were recruited via Study Board. Participants completed the demographics form, the Eating Disorder Inventory-3 RF, and the Social Hassles Questionnaire. The participants then watched an E-prime presentation of different …

Introducing "The Tempation Of Tempation": Levinas And Europe, Annette Aronowicz

Journal of Scriptural Reasoning

No abstract provided.

"We Will Do And We Will Hear", Claire Katz

Journal of Scriptural Reasoning

No abstract provided.

Speaking With Discretion: Religious And Philosophical Perplexities In Levinas, James D. Hatley

Journal of Scriptural Reasoning

No abstract provided.

Levinas's Empiricism And James's Phenomenology, Randy L. Friedman

Journal of Scriptural Reasoning

No abstract provided.

Emotions, Ethical Norms, And Pluralism, Stephen Minister

Journal of Scriptural Reasoning

No abstract provided.

The Rise, Decline, And Fall (?) Of Miranda, Yale Kamisar

Washington Law Review

No abstract provided.

Literature Review Examining Continuous Subcutaneous Insulin Infusion And Effects On Hemoglobin A1c, Hypoglycemia, Hyperglycemia/Diabetic Ketoacidosis, And Quality Of Life, Jamie Moses

Graduate Research Projects

No abstract provided.

Grand Canyon As A Universally Accessible Virtual Field Trip For Intro Geoscience Classes Using Geo-Referenced Mobile Game Technology, Natalie Bursztyn, Joel Pederson, Brett E. Shelton

Graduate Student Posters

There is a well-documented and nationally reported trend of declining interest, poor preparedness, and lack of diversity within U.S. students pursuing geoscience and other STEM disciplines. We suggest that a primary contributing factor to this problem is that introductory geoscience courses simply fail to inspire (i.e. they are boring). Our experience leads us to believe that the hands-on, contextualized learning of field excursions are often the most impactful component of lower division geoscience classes. However, field trips are becoming increasingly more difficult to run due to logistics and liability, high-enrollments, decreasing financial and administrative support, and exclusivity of the physically …

51st Conference On Senior Engineering Design, College Of Engineering And Applied Sciences

Senior Engineering Design Conference

The 51st Conference on Senior Engineering Design Projects was held on December 4, 2012 at the College of Engineering and applied Sciences on the Parkview Campus of Western Michigan University. The college sponsors the conference to showcase the work of its graduating seniors, who are required to complete a capstone project that puts into practice what they have learned. Many of the projects are sponsored by business and industry.

Mississippi Kids Count: Child Abuse & Neglect In Mississippi, Jeremy Bressman, Kevin Golembiewski, Abram Orlansky, Crystal Redd

Delta Directions: Publications

While the number of children subject to abuse or neglect has dropped over the past decade, it is undoubtedly the case that child abuse and neglect remains one of the most serious concerns for children in the United States. Nationwide, nearly 702,000 children (or 9.3 out of 1,000) were subject to some form of abuse in the Fiscal Year 2009, a drop from even the year before (10.3 victims per 1,000 children), and a significant drop from earlier recorded findings in 1995 (15 victims per 1,000). Still, the numbers remain alarmingly high, particularly given the dire consequences. A number of …

Some Textual Changes For A Scholarly Study Of The Book Of Mormon, Royal Skousen

BYU Studies

Royal Skousen has been working on the critical text project of the Book of Mormon since 1988. He has concluded that there are three important findings resulting from the critical text project of the Book of Mormon. The first is that Joseph Smith received an English-language text word for word, which he read off to his scribe. The second is that the original English-language text itself was very precisely constructed; where textual error has occurred in its transmission, the earliest reading is usually the superior reading. The third is the identification of 256 changes in the text that make a …

Interpersonal Identity Formation In Conversations With Close Friends About Dating Relationships, Elizabeth M. Morgan, Neill Korobov

Psychological Sciences Faculty Publications and Presentations

The present study explores how close same-sex friendship groups participate in the co-construction of identities in the interpersonal domain during young adulthood. Participants included 24 same-sex college student friendship triads (12 male and 12 female; 72 total participants) who took part in semi-structured group interviews that elicited stories about conversations with their friends about dating relationship problems. Qualitative thematic analysis revealed five common responses to dating problems evidencing identity work in the context of friends' conversations. These responses included relating the issue to one's own experiences, providing validation and encouragement, joking about the problem, offering advice, and providing concrete instrumental …