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Policies For Digital Banking : Part - I, ishrat Husain Dr. 2023 Institute of Business Administration, Karachi, Pakistan

Policies For Digital Banking : Part - I, Ishrat Husain Dr.

Faculty Research - Newspaper and Magazine Articles

The State Bank of Pakistan has recently granted five licences for Starting digital banks that would provide the whole range of banking services through digital platforms or electronic channels from the comfort of homes and offices without making trips to brick-and-mortar branches of the banks. Two types of banks – digital retail banks and digital full banks – have been allowed both in the conventional as well as Islamic variants. The minimum capital requirement for digital banks is much lower than those for banks that are operating branches. A diverse range of applicants including domestic commercial banks, microfinance banks, electronic …


Workforce Trends To Watch In 2023, Cheryl A. Burkhart-Kriesel 2023 University of Nebraska-Lincoln

Workforce Trends To Watch In 2023, Cheryl A. Burkhart-Kriesel

Cornhusker Economics

The rise of quiet quitters, digital nomads, and shaky employee trust are some of the major workforce trends that need watching in 2023, according to a recent article published by the Harvard Business School. Coupled with an uncertain economy and a tight labor market, business owners can view these potential trends as either challenges that pull their business down or opportunities that offer a competitive advantage. To leverage these toward business growth and increased productivity, it takes an understanding of how these trends emerged and how they could be an asset in an ever-changing business environment.

Covers: quiet quitters, digital …


On Income Inequality And Poverty In Egypt: Is Prosperity Immoral?, Mohamed Karim Lotfy Abdelkhalek 2023 American University in Cairo

On Income Inequality And Poverty In Egypt: Is Prosperity Immoral?, Mohamed Karim Lotfy Abdelkhalek

Theses and Dissertations

There are varying perspectives on, and divergent solutions to, the phenomena of income inequality and poverty. There seems to be polarizing views on both of these sensitive topics. One side of the argument believes income inequality should in itself be mitigated through redistribution measures, while the other argues that this should not be the focus of policy makers, as it deters them from facing the more pressing issue facing society – which is absolute poverty. The relationship between income inequality, poverty, and citizen well-being in Egypt is one that warrants further research, and this paper aims to fill this lacuna. …


Living Below The Line: Economic Insecurity And Older Americans, Insecurity In The States, 2022, Jan Mutchler, Yan-Jhu Su, Nidya Velasco Roldan 2023 University of Massachusetts Boston

Living Below The Line: Economic Insecurity And Older Americans, Insecurity In The States, 2022, Jan Mutchler, Yan-Jhu Su, Nidya Velasco Roldan

Center for Social and Demographic Research on Aging Publications

New estimates from the 2022 Elder IndexTM suggest that nearly half of older adults living alone, and one out of five older couples, lack the financial resources required to pay for basic needs. We compared household incomes for adults age 65 and above living in one- and two-person households to the 2022 Elder Index for each state to calculate Economic Insecurity Rates (EIRs), the percentage of independent adults age 65 or older with annual incomes that do not support economic security. The EIRs allow a better understanding of how many and which older adults are experiencing economic insecurity. National …


U.S. Energy Information Administration Information Resources, Bert Chapman 2023 Purdue University

U.S. Energy Information Administration Information Resources, Bert Chapman

Libraries Faculty and Staff Presentations

Provides information about the resources produced by U.S. Department of Energy's Energy Information Administration. These resources cover energy statistics for U.S., states, the United States, and foreign countries. They also cover energy products as varied as coal, natural gas, nuclear energy, petroleum, and renewable energy.


Strengthening Policies And Structures To Combat Illicit Tobacco Trade In The Philippines, John Rafael Y. Arda, Alen Josef A. Santiago 2023 Ateneo de Manila University

Strengthening Policies And Structures To Combat Illicit Tobacco Trade In The Philippines, John Rafael Y. Arda, Alen Josef A. Santiago

Ateneo School of Government Publications

The Philippines has been seeing an increase in illicit tobacco trade in recent years, undermining the impacts of legal measures such as tobacco products' taxation and regulation due to circumvention of established avenues and costing the government its revenue. Currently, the country has twelve policies related to the prevention of illicit tobacco trade with gaps identified in its lack of licensing systems for tobacco retailers and policies on law enforcement cooperation, which manifests in the country being fully compliant to only 5 of the 16 articles under the World Health Organization's Illicit Tobacco Trade Protocol. It is recommended that the …


Forecast Of China’S Economic Growth Rate In 2023 And Policy Suggestions, Xikang CHEN, Cuihong YANG, Kunfu ZHU, Huijuan WANG, Xinru LI, Jie YIN 2023 Center for Forecasting Science, Chinese Academy of Sciences, Beijing 100190, China Academy of Mathematics and Systems Science, Chinese Academy of Sciences, Beijing 100190, China

Forecast Of China’S Economic Growth Rate In 2023 And Policy Suggestions, Xikang Chen, Cuihong Yang, Kunfu Zhu, Huijuan Wang, Xinru Li, Jie Yin

Bulletin of Chinese Academy of Sciences (Chinese Version)

China's economic growth slowed down in 2022 due to the COVID-19 pandemic and the corresponding measures. There are great uncertainties in China's economic development in 2023. It is expected that China's medium and long-term economic growth rate will show a wavy downward trend. Based on input-output technology, econometrics, prosperity analysis, expert analysis, and scenario analysis, this study proposes a systematic integrated factor prediction approach on annual GDP growth. Through analysis of China's economic growth in 2022 and the current situation worldwide, China's economic growth rate is predicted to be about 6.0% in 2023, reverting to the normal level. The policy …


Commercialization Of Separated Human Body Parts - Unpacking Instrumentalization Approach, Arseny Shevelev, Georgy Shevelev 2023 Pace University

Commercialization Of Separated Human Body Parts - Unpacking Instrumentalization Approach, Arseny Shevelev, Georgy Shevelev

Pace International Law Review

The principle of non-commercialization, which prohibits trade in separated human body parts, has long been firmly embedded in many European legal orders and has become an integral part of them. However, many new uses for human biomaterials have now been discovered, and the need for them has reached a historical climax. This paper aims to explain the main tenets of non-commercialization theory, including such principles as human dignity and need to protect human’s health, and to show that these categories have so far been understood in a very one-sided and visceral way, and largely in contradiction to their true spirit. …


Racial Disparities In School Poverty And Spending: Examining Allocations Within And Across Districts, Robert Bifulco, Sarah Souders 2023 Syracuse University

Racial Disparities In School Poverty And Spending: Examining Allocations Within And Across Districts, Robert Bifulco, Sarah Souders

Center for Policy Research

Using recently available school-level finance data, we compare exposure to low-income classmates and average per pupil spending for black, Hispanic, and white students. Using within metropolitan area comparisons, we find that the typical black and Hispanic students attend schools with much higher proportions of low-income students than the typical white student, and that per pupil spending in the typical black and Hispanic students’ schools is higher than in the typical white student’s school. Drawing on estimates of the additional spending required to provide low-income students equal educational opportunity, we find that it is unlikely that the additional spending in schools …


How Community Satisfaction Can Determine The Success Of Tourism Development In A Community, Carter Unrau 2023 Murray State University

How Community Satisfaction Can Determine The Success Of Tourism Development In A Community, Carter Unrau

Posters-at-the-Capitol

Many counties in Eastern Kentucky and central Appalachia in general have suffered intense economic hardship in the past decades due to the decline in coal and other mining industries which once supplied many jobs to the people of the region. A common remedy to this is increasing tourism development in these communities. While this tactic has seen positive effects in the region, there's been communities that have given a negative review of the increase in tourism development. With such an economic gain to be had, its imperative that the source of this issue should be rooted out and resolved to …


Elusive Empowerment: Emerald Mining In Ndola Rural Under Kenneth Kaunda’S One-Party State, Alexander Caramento, Agatha Siwale-Mulenga 2023 York University

Elusive Empowerment: Emerald Mining In Ndola Rural Under Kenneth Kaunda’S One-Party State, Alexander Caramento, Agatha Siwale-Mulenga

Zambia Social Science Journal

One of the hallmarks of Kenneth Kaunda’s tenure in office was the nationalisation of Zambia’s large-scale copper mines. Yet after the Matero Reforms of 1969, which purported to empower Zambians through the public ownership and management of the country’s largest export industry, President Kaunda and his colleagues curiously decided to partner with a foreign investor (Hagura Mining) in the 1980s to develop the emerald mining sector in Ndola Rural (now Lufwanyama), while Zambian artisanal and small-scale miners (ASM) were sidelined. Drawing upon archival documents, newspaper coverage, and a select number of interviews, this paper seeks to examine this apparent shift …


Recommended Budget, Expenditures By Object And Funding By Source, Fiscal Year 2023-2024, Tennessee. Department of Finance and Administration 2023 Tennessee State Library and Archives

Recommended Budget, Expenditures By Object And Funding By Source, Fiscal Year 2023-2024, Tennessee. Department Of Finance And Administration

Recommended Budget

In developing the Governor’s budget recommendation, the Division of Budget in the Department of Finance and Administration analyzes agency budget requests and prepares final recommendations at a lower level of detail.


Accounting Reporting Complexity, Audit Engagement Partner Mandatory Rotation, And Audit Quality, Clement Chen, Zhenfeng Liu, Wenye Tang, Ling Tuo 2023 University of Michigan - Flint

Accounting Reporting Complexity, Audit Engagement Partner Mandatory Rotation, And Audit Quality, Clement Chen, Zhenfeng Liu, Wenye Tang, Ling Tuo

Accounting Faculty Publications

This paper investigates the influence of a firm's accounting reporting complexity (ARC) on financial statement audit quality. We predict and find that there is a non‐linear relationship between a firm's ARC and audit quality. Specifically, a more complex accounting environment—measured by ARC—leads to higher quality audits, but this effect diminishes when ARC continues to increase. Further analyses reveal that the effect is more salient among client firms that do not purchase non‐audit services (NAS). We also examine whether ARC affects audit quality in the circumstance of mandatory audit partner rotation. Empirical results show a moderating effect of ARC on the …


Why School Choice Is Necessary For Religious Liberty And Freedom Of Belief, Richard F. Duncan 2023 University of Nebraska College of Law

Why School Choice Is Necessary For Religious Liberty And Freedom Of Belief, Richard F. Duncan

Nebraska College of Law: Faculty Publications

The government school monopoly for funding K–12 education creates a coercive system that commandeers a captive audience of impressionable children for inculcation in secular ideas, beliefs, and values concerning matters of truth, moral character, culture, and the good life. The brutal bargain imposed on parents by this monopoly requires them to choose between the single largest benefit most families receive from state and local governments and educating their children in a curriculum that is consistent with the preferred educative speech of the parents. To choose the latter is to sacrifice hundreds of thousands of dollars of tax-funded support for K–12 …


Guaranteed Income As A Structural Social Work Response To Homelessness In The United States, Katherine Hoops Calhoun 2023 University of Denver

Guaranteed Income As A Structural Social Work Response To Homelessness In The United States, Katherine Hoops Calhoun

Electronic Theses and Dissertations

The number of projects exploring guaranteed income, or unconditional direct cash transfers, in the United States has exploded in recent years (Mayors for a Guaranteed Income, 2022a). Between June 2021 and June 2022, the number of city mayors engaged with the group Mayors for Guaranteed Income grew from 11 to 82 (Mayors for a Guaranteed Income, 2022b) and as of Winter 2023, there were over 90 guaranteed income demonstrations and projects in the United States (Guaranteed Income Community of Practice, 2023). Guaranteed income refers to direct cash transfers, often to targeted populations, that are unconditional, consistent, predictable, and flexible (Castro …


Governing The Pandemic: A Comprehensive Policy Analysis Of The $4.1t Strategy, Sean D. Jasso 2023 Pepperdine University

Governing The Pandemic: A Comprehensive Policy Analysis Of The $4.1t Strategy, Sean D. Jasso

Education Division Scholarship

From January 2020 to March 2021, the U.S. Government implemented five laws to marshal the federal response to the December 2019 outbreak of the Coronavirus. For context, past federal emergency policies include the New Deal $1T, World War II $4T, Hurricane Katrina $120B, AIDS $100B, $2.4T Iraq War, $90B Ukraine War, $44B Climate Change, Covid Vaccines $30B and, the largest emergency spending allocation in U.S. history, Covid-19 $4.1T. An evaluation of the government’s strategy to confront the pandemic is framed into two segments: legislative function – how the Congress mobilizes emergency legislation; and, executive function – how the administration manages …


Cannabis, Communities, And Place: (Re)Constructing Humboldt’S Post-Prohibition Present, Josh Meisel, Dominic Corva, Ara Pachmayer 2023 Humboldt State University

Cannabis, Communities, And Place: (Re)Constructing Humboldt’S Post-Prohibition Present, Josh Meisel, Dominic Corva, Ara Pachmayer

Humboldt Journal of Social Relations

Since 1990, many Cal Poly Humboldt faculty and students have made cannabis the focus of scholarship and learning. This work has been shaped by the political, economic, and cultural legacies of cannabis in Humboldt County. Scholarly interest spans multiple dimensions of cannabis cultivation, commerce, consumption, and related social issues. As a multidisciplinary team of scholars, Cal Poly Humboldt faculty affiliated with the Humboldt Institute for Interdisciplinary Marijuana Research (HIIMR) have also shaped the Bachelor of Arts in Cannabis Studies that will launch in Fall 2023. This is the first social science degree program in the United States with this orientation. …


2023 Annual Report, Tennessee. Governor's Office of Diversity Business Enterprise, Tennessee. Department of General Services 2023 Tennessee State Library and Archives

2023 Annual Report, Tennessee. Governor's Office Of Diversity Business Enterprise, Tennessee. Department Of General Services

Annual Reports

This annual report highlights the purchases and contract awards of the Governor's Office of Diversity Business Enterprise for the fiscal year.


Protecting Low-Income Consumers In The Era Of Digital Grocery Shopping: Implications For Wic Online Ordering, Qi Zhang, Priyanka Patel, Caitlin M. Lowery 2023 Old Dominion University

Protecting Low-Income Consumers In The Era Of Digital Grocery Shopping: Implications For Wic Online Ordering, Qi Zhang, Priyanka Patel, Caitlin M. Lowery

Community & Environmental Health Faculty Publications

The Special Supplemental Nutrition Program for Women, Infants, and Children (WIC) is now expected to allow participants to redeem their food benefits online, i.e., via online ordering, rather than only in-store. However, it is unclear how this new benefit redemption model may impact participants’ welfare since vendors may have an asymmetric information advantage compared with WIC customers. The WIC online ordering environment may also change the landscape for WIC vendors, which will eventually affect WIC participants. To protect WIC consumers’ rights in the new online ordering model, policymakers need an appropriate legal and regulatory framework. This narrative review provides that …


Grain-Washing: The Issue With Corn Ethanol As A Sustainable Aviation Fuel, Emily J. Rinn 2023 Claremont Colleges

Grain-Washing: The Issue With Corn Ethanol As A Sustainable Aviation Fuel, Emily J. Rinn

Scripps Senior Theses

Decarbonizing the aviation sector remains one of the most prevalent obstacles in reducing the United States’ significant contribution to global greenhouse gas emissions. Launched in 2021, the Sustainable Aviation Fuel (SAF) Grand Challenge aims to supply enough fuel to meet 100% of demand by 2050 through reducing its production costs and enhancing its sustainable practices. Corn ethanol feedstock has been proposed to make up as much as half of all SAF production in the 2030 benchmark. This thesis explores the assemblage of corn ethanol – from its true environmental impacts, role in the future SAF market, to research claiming corn …


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