Social and Behavioral Sciences Commons^™

Risk Exposure And Management In Cross-Border Banking., Sheriffdeen A. Tella

Economic and Financial Review

The title of this paper connotes the fact that risk-based supervision and inflation targeting are mutually inclusive policies that have to be carried out simultaneously. This is not true. The two frameworks can be adopted at the same time but they do not need to go pari passu. To that extent the paper can be regarded as two-in-one. In this connection, the two frameworks are treated separately but within the context of a single paper. We looked at their challenges and prospects in monetary policy formulation and implementation in the Nigerian economy. The rest of this paper is divided into …

The Implementation Of Basie Ii: Issues, Challenges And Implications For Nigeria., O. K. Ibedu

Economic and Financial Review

The significant development of Basle II throughout the world has meant that financial institutions and insurance companies must manage and measure risk in new ways. This paper is intended to provide the participants at the Executive Seminar with a firm foundation of the state of Basle II Accord principles and provide the tools and techniques to grapple with its implementation. This paper is divided into eight parts. Following this introduction, Part 2 discusses the necessity for a capital accord, the emergence of Basle I and the Basle II Accord. Part 3 discusses in brief the concept of Risk Management and …

The Imperatives Of Developing Risk Management Framework For Individual Risk Elements In Nigerian Banks., Emmanuel M. Abolo

Economic and Financial Review

This paper states that for a bank to be successful over the long term, it has to effectively manage its opportunities, threats and uncertainties. The point of risk management is not to eliminate it. That would eliminate reward. The point is to manage it. That is, choose where to place bets and where to avoid betting altogether.

Special Remarks At The Seminar On: "Financial Sector Developments: Challenges For Risk Based Supervision And Effective Monetary Policy Implementation, C. N. Mordi O.

Economic and Financial Review

This is the Special remarks.at the opening ceremony of the 16th edition of the annual in-house Executive Policy Seminar organized by the Research Department, in collaboration with the Human Resources Department. As usual, the seminar is aimed at availing the Executives of the Bank the opportunity of brainstorming on contemporary economic issues in the economy and the globe at large. In this respect, the theme of this year's Seminar "Financial Sector Development: Challenges for Risk-Based Supervision and Effectiveness of Monetary Policy Implementation" could not have come at a more opportune time, given the current financial meltdown ravaging global markets. This …

The Concepts And Practice Of Risk-Based Supervision., J. A. Afolabi

Economic and Financial Review

This paper seeks to examine the concept and practice of Risk-Based Supervision (RBS). For ease of discussion, the paper has been segmented into five sections. After the introduction, sections 2 and 3 examine the Conceptual Issues in Risk-Based Supervision and Country Experiences. Section 4 looks at the framework of RBS in Nigeria while section 5 concludes the paper.

Implementation Of Basel Ii: Any Role For International Financial Institutions?, C. E. Nwandikom

Economic and Financial Review

This paper examines the three pillars of Basel II which provide a broad and coherent framework for linking regulatory capital to risk, for improving internal risk measurement and management and for enhancing supervisory and market discipline at large, complex and internationally-active banks.

How Relevant Is Risk-Based Supervision For Pension Funds: The Regulators Perspective., Musa A. Ibrahim

Economic and Financial Review

Over the past two decades, privately managed pension systems have expanded greatly to play a central role in the provision of retirement income worldwide. The design and operation of these systems vary extensively, but the basic reason for their adoption remains unique across the board: countries need to provide affordable and sustainable income for their retired citizens. Achieving this objective becomes a challenging task in the face of the uncertainties created by globalization and rapid integration of financial markets. The utilization of risk-based methods originates primarily in the supervision of banks. In recent years, it has increasingly been extended to …

Overview Of Financial Sector Developments In Nigeria., S. N. Ibeabuchi

Economic and Financial Review

The objective of this paper is to review the various developments (reforms) in the Nigerian financial sector since 1986, including the recent banking industry consolidation.

The Challenges Of Good Corporate Governance For Effective Risk-Based Banking Supervision., Chris C. Itsede

Economic and Financial Review

Corporate governance has changed tremendously over the past two decades. These changes have been driven by new laws, regulations, guidelines and rising investor and public expectations. In the past, many boards were under the thumb of their chief executive officers (CEOs); this is no longer the case. Today, boards generally strive to govern their companies by benchmarking a set of best practices which have emerged and codified in corporate governance laws, stock exchange listing rules and company annual reports. Many individual directors are willing to accept these additional responsibilities. In this paper, the importance and principles of Corporate Governance is …

Monetary Policy, Risk-Based Supervision And Financial Sector Developments: International Experience., Ayodele Odusola

Economic and Financial Review

This paper describes an efficient banking supervision as essential to a virile and stable financial system and also fostering the linkage between the financial sector and the aggregate economy as well as to reduce the likelihood and magnitude of a financial crisis. Recent development across the globe has shown that dynamic diagnostic instruments are required for identifying and managing risks, vulnerabilities and development priorities in the financial sector. The need to address the unfolding complexity of supervising the banking system in the context of a globalized world underscores the introduction of the joint IMF-World Bank Financial Sector Assessment Program (FSAP) …

Free Winona: Celebration, Free Winona

Free Winona Newspaper

Free Winona is a newspaper published in Winona, Minnesota in 2008 and 2009. This issue includes:

• Plan to Participate in the Really Really Free Markets;
• Interview with Variety Show Coordinator;
• Buying Gifts in a Failing Economy;
• Backmatter: Making Plans at the Hearth

Aristotle’S Contribution To Scholarly Communication, Stephen Edward Bales

Doctoral Dissertations

This historical study examines the Aristotelian foundations of the Library and Museum of Alexandria for the purpose of (1) understanding how the Library and Museum differed from preceding ancient Near Eastern information institutions (i.e., “protolibraries”) and (2) how Aristotle’s methodologies for producing scientific knowledge were carried out in Alexandria. While protolibraries served as safeguards for maintaining a static cultural/political “stream of tradition” and created, organized, and maintained “library” documents to this end, the Library of Alexandria was a tool for theoretical knowledge creation. The Library materialized Aristotelian pre-scientific theory, specifically dialectic, and served the scholarly community of the Museum …

Value Similarity And Its Relationship To Interpersonal Relationship Quality And Identity: Perceptions Of Self, Partner, And Ideal Partner, Jennifer G. Clement

Doctoral Dissertations

The exploration of interpersonal relationships has led to the recognition that similarity has played a large role in the relationship quality, e.g. satisfaction, of dyads, specifically romantic dyads. Three categories of similarity have been shown to best predict satisfaction: communication, attitudes, and values. This study examined the actual, perceived, and ideal value similarity of heterosexual romantic dyads at the University of Tennessee and assessed relationship quality which included satisfaction, intimacy, trust, and social provisions. Using stepwise regressions and Pearson Product correlations this study determined that actual, perceived, and ideal value similarity significantly predicted the relationship quality of the individual and …

Influences On Growth: Development Beyond Conventional Wastewater Infrastructure, Kendrick J. Curtis

Doctoral Dissertations

Wastewater treatment has long had a powerful restraining influence on land use patterns in the United States. The limited availability of central sewers confined intense property development to the sewered areas of cities and towns. The drawbacks associated with septic systems restrained even moderate-density development in areas with inappropriate soils. The advent of decentralized wastewater systems abolished these restraints, however. This technology made it possible to develop land at even high densities with no regard for the proximity of sewers and little for soil quality. This presented an opportunity for developers to pursue projects wherever attractive conditions prevailed. It also …

Backpack Journalism In Television Newsgathering: Audience Perceptions Of Quality, Charles Wesley Gee

Doctoral Dissertations

The purpose of this study was to explore preferences by younger news audiences of backpack journalism in local television news. Local television news has to compete with Internet and other media to attract viewers. The theoretical foundation for this study, uses and gratifications, proposes audience members will actively seek news information using television as a primary source.

The focus of the study centered around technology’s influence on television newsgathering techniques and if the techniques delineated the quality of journalistic presentation. Four hundred and ninety three college students were surveyed about their media use, news gratification, and preferences of production quality …

The Impact Of Role Conceptualization On The Process And Outcomes Of Decision Making In An Educational Context, Scott Richard Turner

Doctoral Dissertations

Research has shown that the traditional conceptualization of Organizational Citizenship Behaviors (OCBs) is not tenable because some employees perceive OCBs to be part of their job or in-role behaviors (Morrison, 1994). Conceptualizing behaviors as in-role has been shown to increase the frequency of the behaviors but no study has investigated whether conceptualization of these behaviors influences the manner in which they are conducted. This study combined findings from OCB research with the Judgment and Decision Making literature in order to identify the impact that role conceptualization had on an ambiguous decision making exercise where the act of making the decision …

How Mexican-American Women Define Health: Cultural Beliefs And Practices In A Non-Native Environment, Emma Kathleen Wright

Doctoral Dissertations

Culture impacts the ways people evaluate and respond to health and illness. As a result, Mexican-American culture plays a part in how women take care of their heath and react toward the threat of breast cancer. Using previously identified dominant cultural factors that may influence the health of Mexican-American women as a foundation, this qualitative study describes how Mexican-American women define and maintain health, particularly breast health.

Hispanics are the fastest growing minority group in the United States. As a result, it is important to better understand how Mexican-American women define health and take care of themselves. Doing so will …

Mindfulness: Mediating The Relationship Between Attachment Security And Parenting Style, Ian P. Haag

Doctoral Dissertations

The current project examines the relationships between attachment security, parenting style, and mindfulness. The level of mindfulness an individual demonstrates is argued to mediate the relationship between an individual’s attachment security and her respective parenting style. The population is composed of 35 mothers who were drawn from a university clinic setting. Measures utilized included: the Relationship Questionnaire (RQ), which measures adult attachment security, the Mindful Attention Awareness Scale (MAAS), which measures the level of mindfulness an individual demonstrates, and the Parental Authority Questionnaire – Revised (PAQ-R), which measures parenting style attitudes. Results demonstrated no significant relationships between attachment security and …

Relationship Of Broad Versus Narrow Personality Traits To Psychological Sense Of Community In College Students, Katherine Higgins

Doctoral Dissertations

The purpose of the present study is to further examine the relationship between personality traits and Psychological Sense of Community (PSC). It attempts to confirm previous research findings that indicate a significant relationship between the Big Five traits and PSC. In addition, it seeks to determine whether selected narrow personality traits are significantly related to PSC and whether those traits add incremental validity to the Big Five personality traits in predicting PSC. This study is a secondary analysis of data collected by Resource Associates, Inc between 2003-2005. Participants (N=1468) were students at a large, southeastern university. Results confirmed a positive …

Testing The Spousal Model Of Stress In Healthy Controls, Persons With Multiple Sclerosis And Their Spousal Caregivers, Donna L. Kennedy

Doctoral Dissertations

The current study examined the Spousal Model of Stress in a sample of healthy, married controls (n=52) and a sample of persons with multiple sclerosis and their spousal caregivers (n=51). The Spousal Model of Stress was created by joining together Ruben Hill’s (1958) ABCX Model of Stress and Karney & Bradbury’s (1995) Vulnerability- Stress-Adaptation Model of Marriage. Factors in the Spousal Model include stress, resources/vulnerabilities, perceptions/adaptive processes, and outcomes (marital satisfaction, marital quality, life satisfaction, and depression). The new model revealed that spousal attributions were an important factor in predicting marital quality and marital satisfaction in a group of healthy …

No Sickness, No Need: A Qualitative Exploration Of Female Undergraduates‘ Health Message Perspectives, Cheryl A. Lambert

Doctoral Dissertations

College student health scholarship indicates a stark contrast between health impediments college students identify and the health information their respective campuses provide; campus health promotions often lacking personal relevance for college students, and health programs that utilize control-based strategies to compel behavior change. College student health scholarship also indicates a heavily positivistic research slant with little consideration given to humanistic, student-centric approaches. The purpose of this dissertation was to explore college student perspectives about health messages to enhance college student health communications, thus bridging the disciplines of public relations and college student health. Findings revealed that female undergraduates are proactive …

The Manifestation Of Depressed Mood In Student-Athletes And Their Attitudes Toward, Barriers To, And Preferences For Seeking Professional Psychological Help, Renée L. López

Doctoral Dissertations

Student-athletes are thought to be at greater risk for some psychopathologies while underutilizing mental health services. Few studies have explored depression in student-athletes or the reasons behind the resistance to seeking psychological help. The goals of this study were to examine in a nationwide sample of NCAA D-IA and D-IAA student-athletes the (a) manifestation of depressed mood as it relates to gender, injury, injury characteristics (i.e., perceived impact, time in treatment, chronicity), and student-athlete role behaviors (e.g., frequency of skipping events, role strain, self-destructive behaviors) and (b) examine their treatment resistance, perceived barriers to seeking help, and counselor preference should …

“Successful Communication In A Social Movement: A Case Study Of The Montgomery Bus Boycott, Felicia Mcghee-Hilt

Doctoral Dissertations

The Montgomery Bus Boycott was a social movement. It is often referred to as the first defining movement within the broader context of the Civil Rights Movement. Planned communication can be critical to the success of a social movement. This historical case study analyzed the communication that occurred during the 1955-1956 Montgomery Bus Boycott, a 381-day protest of the segregated bus system in Montgomery. The overall research questions addressed were: How was communication used during the boycott to inform and mobilize the participants? How did news organizations mediate and frame communication? How was the information about the boycott communicated among …

A Quantitative Review And Analysis Of The Constructs Underlying Assessment Center Ratings: What Are We Measuring?, John P. Meriac

Doctoral Dissertations

The overarching goal of this study was to clarify what constructs are being measured by assessment centers (ACs). ACs have been used and studied for years, yet have measurement problems that generally center on the use of information at the dimension-level. However, a necessary step in examining this issue has been neglected: a proper delineation of what constructs ACs actually measure. In an attempt to address this issue, this study‟s primary purpose was to explore the factor structure of AC dimensions. Several a priori models from both the AC and job performance literature were examined as frameworks for explicating the …

A Study Of Object Relations Among Self-Injuring And Non-Injuring College Students, Lorrie A. Ness

Doctoral Dissertations

The purpose of this study is to investigate object relational and interpersonal functioning among self-injuring and non-injuring college students. It was hypothesized that self-injury would be associated with more pathological object relational functioning as measured by the Mutuality of Autonomy (MOA) and Social Cognition and Object Relation Scale (SCORS). Additionally, it was hypothesized that self-injurers would evidence significantly more global interpersonal distress on the Inventory of Interpersonal Problems-32 (IIP-32), as well as show elevations in four of the subscales of the IIP-32; self-sacrifice, non-assertiveness, over-accommodation, and interpersonal neediness. Lastly, a number of publications suggest that childhood abuse is a significant …

Non-Market Valuation Of Natural Resource Amenities: Assessing Their Effects On Human Values, Public Health, And The Economic Growth, Neelam C. Poudyal

Doctoral Dissertations

Rural landscapes in the United States have changed substantially in recent years due to increased urbanization, and an ever-increasing demand for consumptive and nonconsumptive uses of natural resources. At the same time, we are facing new challenges regarding the socio-economic well-being of people and the ecological significance of resources in the landscape. Previous research in natural resources economics and management has failed to recognize the role of natural resources amenities in fostering economic growth, human values, and public welfare. Applying various non-market valuation techniques to real world observations, the findings from the essays in this dissertation add to the valuation …

Wildfire And Abrupt Ecosystem Disruption On California's Northern Channel Islands At The Allerod-Younger Dryas Boundary (13.0-12.9 Ka), Douglas J. Kennett, James P. Kennett, G. J. West, Jon M. Erlandson, J. R. Johnson, I. L. Hendy, A. West, B. J. Culleton, Terry L. Jones, Thomas W. Stafford, Jr.

Social Sciences

Sedimentary records from California's Northern Channel Islands and the adjacent Santa Barbara Basin (SBB) indicate intense regional biomass burning (wildfire) at the Ållerød–Younger Dryas boundary (~13.0–12.9 ka) (All age ranges in this paper are expressed in thousands of calendar years before present [ka]. Radiocarbon ages will be identified and clearly marked “¹⁴C years”.). Multiproxy records in SBB Ocean Drilling Project (ODP) Site 893 indicate that these wildfires coincided with the onset of regional cooling and an abrupt vegetational shift from closed montane forest to more open habitats. Abrupt ecosystem disruption is evident on the Northern Channel Islands at …

How Personalized And Socialized Power Motivation Facilitate Antisocial And Prosocial Decision-Making, Joe C. Magee, Carrie A. Langner

Psychology and Child Development

In two studies, we investigate the effects of individuals’ power motivation on decision-making. We distinguish between two types of power motivation [McClelland, D. C. (1970). The two faces of power. Journal of International Affairs, 24, 29–47; Winter, D. G. (1973). The power motive. New York: The Free Press] and demonstrate that both types of power motivation facilitate influential decision-making but that each type plays a different role in different contexts. In a conflict context (Study 1), individuals’ personalized (self-serving) power motivation was associated with antisocial decisions, and in a healthcare context (Study 2), individuals socialized (other-serving) power motivation …

Economic Effects Of Smoking Bans On Restaurants And Pubs, Barrie Craven, Michael L. Marlow

Economics

The United Kingdom has recently enacted smoking bans in public places such as restaurants and pubs. Public health advocates argue that bans are necessary because non-smokers need protection from second-hand smoke. Advocates also claim that bans do not exert harm on owners because of a vast empirical literature showing that restaurants and bars in the United States never suffer harm following bans. This paper examines whether these claims are true by developing a model within the Coasian framework whereby owners of businesses have incentives to deal with smoking disputes between smokers and non-smokers. Our model demonstrates that it is incorrect …

"Health And Wealth" And The World Wide Web: Leading Renewalist Ministries' Use Of Web To Communicate Social Order, Douglas J. Swanson

Journalism

Renewalist Christian ministries espouse a “Health andWealth” theology that is embraced by increasing numbers of believers. This study investigated leading renewalist ministries’WorldWideWeb sites to assess their application of visual, operational, and informational enhancements to communicate social order. A content analysis revealed a communication of social order that is consistent with prosperity theology. Much emphasis is placed on the appearance and personality of the ministry leader. Almost no attention is paid to traditional Christian symbolism. Web sites claimed the value of inclusiveness, but offered little visual representation of children, senior adults, the poor, and people of color. Sites communicated the importance …