Business Commons^™

Advertising Insert: Healthy Start: Northeast Florida Healthy Start Coalition, Inc. A Decade Of Helping Women Have Healthier Babies, Northeast Florida Healthy Start Coalition, Inc.

Florida Blue Archives Printed Materials

No abstract provided.

Trends. Personnel Security In An Age Of Terrorism With Global Reach, Ibpp Editor

International Bulletin of Political Psychology

This Trends article discusses what an appropriate level of commitment to a security bureaucracy might look like.

Weidenbaum To Speak Oct. 4, Lindenwood University

Archived Lindenwood Press Releases

No abstract provided.

Term Structure Of Interest Rates, Yield Curve Residuals, And The Consistent Pricing Of Interest Rates And Interest Rate Derivatives, Massoud Heidari, Liuren Wu

CRIF Working Paper series

Dynamic term structure models (DTSMs) price interest rate derivatives based on the modelimplied fair values of the yield curve, ignoring any pricing residuals on the yield curve that are either from model approximations or market imperfections. In contrast, option pricing in practice often takes the market observed yield curve as given and focuses exclusively on the specification of the volatility structure of forward rates. Thus, if any errors exist on the observed yield curve, they will be carried over permanently. This paper proposes a new framework that consistently prices both interest rates and interest rate derivatives. In particular, under such …

Research Into Evaporative Cooling Of Buildings In Maritime Climates, Ben Costelloe, Donal Finn

Reports

Concern with environmental emissions has focused attention on traditional forms of energy use in buildings, with a view to reducing and making more rational use of energy consumption. One area of concern is the traditional, refrigeration based, commercial air conditioning system, which has high levels of electrical power consumption in fans and refrigeration compressors. There is also concern among building owners and design teams, supported by the PROBE series of post occupancy studies, conducted by the CIBSE, that many buildings, with traditional forms of air conditioning, under perform in terms of occupant satisfaction, ease of operation and control, maintenance costs …

Financial Disclosure And Speculative Bubbles: An International Test Of Asymmetry, Benjamas Jirasakuldech, Thomas S. Zorn, John Geppert

Department of Finance: Faculty Publications

This paper applies two tests of asymmetry to examine if the quality of a country’s financial disclosure system affects the likelihood of speculative bubbles. We examine the hypothesis that stock prices of firms in countries with a low level of financial disclosure are more likely to experience bubbles. The countries, ranked in order of disclosure levels, are the United States, Canada, the United Kingdom, the Netherlands, France, Japan, Germany, and Switzerland (Saudagaran and Biddle (1992)). The findings based on the third-order Markov chain test suggest the presence of asymmetry in dollar-denominated quarterly real returns of Japan, a country with a …

New Dining Hall Debuts With Steak Dinner, Lindenwood University

Archived Lindenwood Press Releases

No abstract provided.

Historical Archeology: ‘More Than Words Can Tell’, Lindenwood University

Archived Lindenwood Press Releases

No abstract provided.

New Accounting Culture., Barry C. Melancon

Guides, Handbooks and Manuals

No abstract provided.

Aicpa President Calls For Rejuvenated Accounting Culture., American Institute Of Certified Public Accountants (Aicpa)

Guides, Handbooks and Manuals

No abstract provided.

Baseball's Collective Bargainng Agreement: A New Era?, Richard C. Crepeau

On Sport and Society

It is difficult from this distance and without adequate Internet access to know precisely what happened to produce the settlement in the collective bargaining process between the owners and players in major league baseball. London is a major metropolitan area of the world with no lack of communications with the outside world, but quite frankly the level of interest in baseball is minimal. So it is with some trepidation that I try to comment on what has happened in the world of baseball over the past few weeks.

Ada News - 09/02/2002, American Dental Association, Publishing Division

ADA News

Established in 1970 as the official newspaper of the American Dental Association, the ADA News serves practicing dentists and others allied to the dental profession in the U.S. and internationally. It is the No. 1 source of news and information about the many benefits and services the ADA delivers to members daily as well as timely information on scientific, social, political and economic developments affecting dentistry and health care.

September 2002, Inland Empire Business Journal

Inland Empire Business Journal

LAW…………………………….4

Getting Organized………………..5

Opinion/Commentary…………….6

Close-up…………………………..7

Computers/Software………………8

Corporate Profile………………….9

Corner on the Market……………..10

Accounting………………………..11

Managing…………………………12

Second Page 1…………………….22

Desert Journal…………………….23

Real Estate………………………...25

Executive Time Out……………….30

Restaurant Review…………………41

Entertainment………………………44

Managers Bookshelf……………45

Practicing Cpa, Vol. 26 No. 7, September 2002, American Institute Of Certified Public Accountants (Aicpa)

Newsletters

No abstract provided.

Members In Government, September 2002, American Institute Of Certified Public Accountants (Aicpa)

Newsletters

No abstract provided.

Academic & Career Development E-Newsletter, Edition 1, Issue 6, September 2002, American Institute Of Certified Public Accountants (Aicpa)

Newsletters

No abstract provided.

Cpa Client Bulletin, September 2002, American Institute Of Certified Public Accountants (Aicpa)

Newsletters

No abstract provided.

Infotech Update, Volume 10, Number 5, September/October 2002, American Institute Of Certified Public Accountants. Information Technology Section

Newsletters

No abstract provided.

Vol. 04 No. 2 Journal Of Microfinance, Journal Of Microfinance

Journal of Microfinance / ESR Review

No abstract provided.

Challenges To Microfinance Commercialization, Anita Campion

Journal of Microfinance / ESR Review

This paper was presented to audiences in Vietnam, Indonesia, Singapore and the Philippines through a World Bank multimedia distance education program in October 2001. The presentation addressed some of the core obstacles to microfinance commercialization, defined here as the application of market-based principles to providing financial services to the poor. The paper discusses some of the challenges to microfinance commercialization, such as inappropriate donor subsidies, poor regulation and supervision, and limited management capacity of microfinance institutions. Given the initial target audience of primarily World Bank employees, the paper concludes with a discussion on what donor can do to move microfinance …

To Pay Or Not To Pay?: Local Institutional Differences And The Viability Of Rural Credit In Nicaragua, Johan Bastiaensen, Ben D'Exelle

Journal of Microfinance / ESR Review

Innovative credit enterprises, aiming to expand the frontier of the rural credit market, can attain financial sustainabihty and broadened social outreach if they embed financial operations in local institutions, such as social networks and prevailing rules. Only in this way can the "rules of the game" imposed by the credit enterprise gain the local legitimacy that is necessary to reduce transaction costs sufficiently. The nature of preexisting local institutional environments, therefore, has a profound effect on the performance of credit enterprises. Our analysis of a rural microcredit program in two neighboring villages in Nicaragua indicates that existing patron-client structures, conditioned …

Members In Medium Public Accounting Firms, September 2002, American Institute Of Certified Public Accountants (Aicpa)

Newsletters

No abstract provided.

Community Savings Funds: Providing Access To Basic Financial Services In Marginalized Rural Areas Of Mexico, Gabriala Zapata

Journal of Microfinance / ESR Review

The Community Savings Funds (CSFs) promoted by the Ministry of Agriculture in Mexico seek to provide marginalized community groups with a simple mechanism that allows them to save and administer their own funds securely, efficiently, and profitably, according to their own needs and priorities. Specially trained promoters help set up CSFs for a period of one year—using a standardized Toolkit—after which they are expected to work autonomously. There are 540 CSFs in 12 states with over 12,800 members and savings totaling 4.45 million pesos (US 5445,000). This paper describes the characteristics of the CSF model and the results to date. …

Care's Mata Masu Dubara (Women On The Move) Program In Niger: Successful Financial Intermediation In The Rural Sahel, William J. Grant, Henry C. Allen [email protected]

Journal of Microfinance / ESR Review

CARE's Mata Masu Dubara (MMD) project is a women's time-bound accumulating savings and credit association (ASCA) program in rural Niger. Over the past decade, CARE has facilitated the creation of over 5,500 active women's groups with over 162,000, providing the purest forms of financial intermediation to their members in some of the poorest parts of Niger. Working from a very simple and appropriately adapted savings based product, sustainability and replication of the associations is easy to achieve. Due to the overwhelming demand for the product, CARE's role has evolved from service provider creating the associations to a facilitator that trains …

Front Matter, Journal Of Microfinance

Journal of Microfinance / ESR Review

No abstract provided.

The New Microfinance: An Essay On The Self-Help Group Movement In India, Kim Wilson

Journal of Microfinance / ESR Review

Indian NGOs have created at least one million self-help groups with 17,000,000 members since the self-help group concept was developed by MYRADA in the late 1980s. India is unique in that banks are permitted to lend directly to unregistered self-help groups and by May 2001, banks and cooperatives had financed 461,478 of these groups, with almost 200,000 new self-help groups financed between May 2000 and May 2001, indicating an accelerated process of expansion. The National Bank for Agriculture and Rural Development (NABARD) trains banks and refinances their loans. The key to NABARD's success is decentralization. Responsibility for group development and …

Evaluation And Microenterprise Programs In The United States, Mark Schreiner

Journal of Microfinance / ESR Review

Microenterprise programs attempt to help poor people start or strengthen small businesses. Funding and political support have grown rapidly. Is microenterprise a good use of scarce development funds? Unfortunately, most evaluations have been case studies in what not to do. Because benefits and costs cannot be measured completely nor with perfect certainty, rigorous evaluations should support their necessarily subjective judgements with logic and explicit assumptions. The usefulness of an evaluation lies not in its (apparent) incontrovert-ibility but rather in its clarity of assumptions and in its openness to meaningful review and critique.

A Symposium On Savings-Led Microfinance And The Rural Poor, Jeffrey Ashe

Journal of Microfinance / ESR Review

No abstract provided.

Pact's Women's Empowerment Program In Nepal : A Savings- And Literacy- Led Alternative To Financial Building, Jeffrey Ashe, Lisa Parrott [email protected]

Journal of Microfinance / ESR Review

Pact's Women's Empowerment Program (WEP) in Nepal operated through 6,500 groups with 130,00 women members. These groups mobilized nearly $2,000,000 of assets in less than three years with 94% on loan to 45,000 group members. By mid 2001, WEP had as many outstanding loans as CARD in the Philippines and Compartamos in Mexico, two very well known "credit-led" microfi-nance institutions, while working through three times as many groups. In addition, 65,000 group members learned to read through Pact's innovative curriculum that focused exclusively on managing a group, starting a business, and women's empowerment. WEP was implemented by 240 partners (most …

Members In Education, September 2002, American Institute Of Certified Public Accountants (Aicpa)

Newsletters

No abstract provided.