...competition faced by the foreign banks. With the framing of laws as per international standards and setting up of Debt recovery tribunal we can say that steps have been taken in this direction. Banks in India have traditionally been saddled with very high Non-Performing Assets. Banks burdened with huge NPA’s faced uphill tasks in recovering then due to archaic laws and procedures. Realizing the gravity of the situation the government was quick to implement the recommendations of the Narsimham Committee leading to the enactment of the SARFAESI ACT 2002. (Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act). This Act gave the banks the much needed teeth to curb the menace of NPA’s. The non performing assets (NPAs) of banks have at last begun shrinking. As reported from surveys, it is understood that there has been substantial improvements in non performing assets and this has been because of several measures such as formation of asset reconstruction companies, debt restructuring norms, securitization, provisioning norms and prudential norms for income recognition. We also give our suggestions as to how NPA retrieval can be made easy and in what way the NPA scenario is headed. The problem is no doubt about recovery management where the objective is to find out about the reasons behind NPAs and to create networks for recovery. Banks of Ahmedabad, Patan & Mehsana have been considered where 20 executive have been approached with a structured...
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...Research Paper How does an imposed requirement of regularly identifying exposure to operational risk benefit an insurance company? Executive Summary The topic of this research paper is how an imposed requirement of regularly identifying exposure to operational risk benefits an insurance company. Risks occur naturally in all business, but if risk is not controlled, there are plenty of consequences that can arise. Insurance companies deal with risk everyday, ranging from fraud, car theft, health policies, and bonds and stocks. Operational risk is defined as the resulting risk that is present after financial and analytical risk is analyzed. Actuaries are able to use many mathematical and statistical techniques that are used to calculate these risks for insurance companies. Using probability distributions and random variables, actuaries are able to identify, evaluate, and manage or control these risks. Studies on car theft have been performed to determine the percentage of risk involved in this type of risk. Different theories and hypothesis have been developed to analyze these situations. This allows insurance companies to proceed with the possibility of emerging fraud. Banks also involve different types of risk that can be modeled under a process known as Linear Discriminant Analysis. Life insurance companies involve policies between insurers and policyholders. Every contract is different for every policyholder, so the risk involved with life insurance varies greatly. Calculating...
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...Term Paper: Downtime and Outage Aliaksandr Piatrou Course SEC 6010: Planning for Information Security Instructor: Mr. Dwight Robinson December 10, 2015 Abstract An outage or downtime at the online reservation system Sabre caused difficulties for many airlines, hotels and other hospitality industries all around the world. It affects business credibility, causes loss in revenue and legal procedures. Because of the recent delays Southwest, AirTran, American Airlines, US Airways, and United Airlines, who use Sabre global distribution system, topped the list of worst airlines in the US (Tooley, 2015). Background Sabre is one the leading provider of global distribution system to the travel and tourism industry. The Sabre GDS enables companies such as American Airlines, BCD Travel, Expedia, JetBlue, and Travelocity to search, price, book, and ticket travel services provided by airlines, hotels, car rental companies, rail providers and tour operators worldwide. It headquarters in Texas and employs over 10,000 employees in 60 countries with revenues of approximately $3 billion. Sabre service is using worldwide by 400 airlines in more than 700 airports, by more than 125,000 hotel properties, 27 car rental brands, 50 rail providers, 16 cruise lines and other global travel suppliers around the world generating more than $5.85 billion in revenue each year for its customers. More than 600 million people make purchases through that system annually (Sabre Authors, 2014). Sabre...
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...Neural Plasticity Paper 1 Neural Plasticity Paper Functions and Limitations of Neural Plasticity Research today has shown that “the capacity of the human brain for functional and structural reorganization throughout life is now well recognized.” (V. Valkanova, R. E. Rodriguez, K. P. Ebmeier. 2014) Neural Plasticity is what we understand as the brains ability to adapted to and repair damaged areas. In the case of Robert, who had a car wreck which left him with a traumatic brain injury, how does neuroplasticity play a role in his recovery? Since the damage was done in the frontal lobe, the areas that are affected are his hand/eye coordination, conscious thought, emotions, personality, attention span, motivation, judgment and organizational capacity. Finally, the damage to the frontal lobe often shows in risky behavior or impulsive behavior by the subject. This type of behavior requires the rehabilitation to begin with going back to basic human behavior. By this, Robert will have to relearn his relationship to himself as well as others, Roberts brain itself will begin to rewire itself around the damaged of his brain. Neuroplasticity is a long process that requires Robert to relearn his skills that he has lost. Science has shown that with the rehabilitation and the repetition of these skills the brain can begin to rewire the wiring. For example, brain damage...
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...Global Economics Paper No: 192 Goldman Sachs Global Economics, Commodities and Strategy Research at https://360.gs.com The Long-Term Outlook for the BRICs and N-11 Post Crisis The BRIC and N-11 countries are emerging from the crisis better than the developed world. As a result, our long-term projections for the BRICs look more, rather than less, likely to be realised. It is now possible that China will become as big as the US by 2027, and the BRICs as big as the G7 by 2032. Within the BRICs and N-11, China, Brazil, India, Indonesia and the Philippines appear to be performing best. Bangladesh, Egypt, Korea, Nigeria, Turkey and Vietnam form a second group of countries that have performed broadly in line with expectations. Iran, Mexico, Pakistan and Russia have need for improvement. We show the ongoing dramatic BRIC influence in key product markets, with autos and crude oil as examples. Important disclosures appear at the back of this document Thanks to Dominic Wilson, Michael Buchanan, Paulo Leme and Swarnali Ahmed for their valuable comments, and to Alex Kelston for the Growth Environment Scores Jim O’Neill and Anna Stupnytska December 4, 2009 Goldman Sachs Global Economics, Commodities and Strategy Research Global Economics Paper Contents Summary Section 1. Where We Stand on the BRICs and N-11 Section 2. The BRICs and N-11 in the Aftermath of the Crisis 2.1 BRICs and N-11 Global Importance Continues to Rise 3 4 6 6 Higher growth contribution...
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...Friday class 6-10 pm Unit 1 research paper 1 Computers are an amazing tool that we as a people have developed. Computers help people in so many ways it almost seems like life would be impossible without them. Computers are used in pretty much every aspect of life in today’s world. The technology of computers is amazing and it just continues to get more powerful every day. Computers have had an impact in just about every industry in the world. Computers made medical procedures so much easier. Now doctors can do surgery using cameras and computers. This makes it easier for the doctor and results in less mistakes and better recovery. The patients receive smaller openings when receiving computer integrated surgery. The doctor can move a lot more accurately and cut more accurately with this technology. Another way that computers have impacted the world is by harnessing the power of the internet. The internet is a great tool for everybody. It makes studying and researching a lot easier for students. It also helps people communicate. Communication has never been easier. People in the United States can talk to somebody across the world with a click of a button. This also means people are more aware of what goes on throughout the world. Computers are also in cars. Google has developed a car that can drive itself. This is huge because the computer can actually drive your car for you. According to Technology review.com “Google’s cars have successfully driven more than 700,000 miles...
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...Occasional Paper 5 The Recovery of Trust: Case studies of organisational failures and trust repair BY GRAHAM DIETZ AND NICOLE GILLESPIE Published by the Institute of Business Ethics Occasional Paper 5 Authors Dr Graham Dietz is a Senior Lecturer in Human Resource Management and Organisational Behaviour at Durham University, UK. His research focuses on trust repair after organisational failures, as well as trust-building across cultures. Together with his co-author on this report, his most recent co-edited book is Organizational Trust: A cultural perspective (Cambridge University Press). Dr Nicole Gillespie is a Senior Lecturer in Management at the University of Queensland, Australia. Her research focuses on building, repairing and measuring trust in organisations and across cultural and professional boundaries. In addition, Nicole researches in the areas of leadership, teams and employee engagement. Acknowledgements The authors would like to thank the contact persons in the featured organisations for their comments on an earlier draft of this Paper. The IBE is particularly grateful to Severn Trent and BAE Systems for their support of this project. All rights reserved. To reproduce or transmit this book in any form or by any means, electronic or mechanical, including photocopying, recording or by any information storage and retrieval system, please obtain prior permission in writing from the publisher. The Recovery of Trust: Case studies...
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...Occasional Paper 5 The Recovery of Trust: Case studies of organisational failures and trust repair BY GRAHAM DIETZ AND NICOLE GILLESPIE Published by the Institute of Business Ethics Occasional Paper 5 Authors Dr Graham Dietz is a Senior Lecturer in Human Resource Management and Organisational Behaviour at Durham University, UK. His research focuses on trust repair after organisational failures, as well as trust-building across cultures. Together with his co-author on this report, his most recent co-edited book is Organizational Trust: A cultural perspective (Cambridge University Press). Dr Nicole Gillespie is a Senior Lecturer in Management at the University of Queensland, Australia. Her research focuses on building, repairing and measuring trust in organisations and across cultural and professional boundaries. In addition, Nicole researches in the areas of leadership, teams and employee engagement. Acknowledgements The authors would like to thank the contact persons in the featured organisations for their comments on an earlier draft of this Paper. The IBE is particularly grateful to Severn Trent and BAE Systems for their support of this project. All rights reserved. To reproduce or transmit this book in any form or by any means, electronic or mechanical, including photocopying, recording or by any information storage and retrieval system, please obtain prior permission in writing from the publisher. The Recovery of Trust: Case studies of organisational...
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...Fiscal Policy Paper ECO/372 Principles of Macroeconomics The American tax paper relief of 2012, (ATRA), which was enacted on January 2, 2013 permanently extended the 2001 and 2003 federal income tax cuts for 98 percent of tax payers. The tax relief act reflects the approach sunporch that balances responsible reductions in government spending with new revenues and increased progressivity of the tax code. But the new law extended the expansions of several tax credits enacted in the American recovery and reinvestment act of 2009 (the recovery act) that have provided economic opportunities through tax relief and college expense assistance to 25 million low-and middle-income students and working families each year. Together with the additional Medicare and investment income taxes for high-income tax papers in the affordable care act (ACA), ATRA has made the federal taxes system more progressive. Government spending first reached $1.5 trillion in the mid 1980’s, and then breached $2 trillion in the recession year of 1991. In the 1990” s spending increases starts to level off, reaching $3 trillion in 1999. But in the 2000” s with the dot-com crash and the response to 9/11 government spending began to accelerate, reaching $4 million in 2004 and $5 trillion in 2008. Then came the crash of 2008 and government spending exploded years of modest in nominal dollars, spending is expected to resume regular increases by the late 2010’s. Income taxes must be filed by all businesses and...
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...Discussion Question 1 In W2: Assignment 2 you will be doing a short research paper. But here, in this assignment, you will choose a topic for that paper. From the list below, select a topic. Potential Research Topics (Pick One) • Social networking • Security of the Internet • Technology and cars • How technology can help you learn • Privacy and security of cell phones • Technology and your major • The best ways to learn new technology • How to protect yourself from identity theft • Video game addiction • Do games help students learn? • Technology and sports (stadiums, equipment, training, safety, or tracking, etc.) • What is open source? • Web 2.0: What is it, and why is it different? • What is the history of the Bill and Melinda Gates Foundation? What are their current projects? • How has TiVo affected advertising and network programming? • How has technology affected families? • Twitter and Facebook in business today • Online shopping—benefits and hazards • How and why to do a podcast • Search engine optimization (SEO) • Doing genealogy online • Cybercrime • Computer forensics • Radio frequency identification (RFID) • Computer storage devices, capacity, and longevity • Disaster recovery plans • Technology and a career (real estate, sales person, manager, teacher, pastor, nonprofit, funeral director, etc.) • What influence has videoconferencing made on business, medicine, education, and social lives? • How will Internet2...
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...Arab Emirates c Department of Mathematics and Statistics, Jordan University of Science and technology, Irbid 22110, Jordan d Department of Business and Economics, University of Southern Denmark, Odense, Denmark e Institute of Applied Ecology, Chinese Academy of Science, Shenyang, Liaoning Province 110016, PR China b a r t i c l e i n f o Article history: Received 2 March 2011 Received in revised form 12 March 2012 Accepted 12 March 2012 Keywords: Carbon footprint Reverse logistics Greenhouse emissions Case study a b s t r a c t Due to the environmental legislation and regulations, manufacturing firms have realized the importance of adopting environmental friendly supply chain management (SCM) practices. In this paper, a mixed integer linear model is developed for a carbon footprint based reverse logistics network design. The proposed model aims at minimizing climate change (specifically, the CO2 footprint), and it employs reverse logistics activities to recover used products, hence combining the location/transportation decision problem. The proposed model is validated by examining a case study from the plastic sector. © 2012 Elsevier B.V. All rights reserved. 1. Introduction With the increasing environmental concern, resource reduction, depleting landfill capacities in many countries and...
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...missing link in service design research? Susan Meyer Goldstein a,∗ , Robert Johnston b , JoAnn Duffy c , Jay Rao d a c Department of Operations and Management Science, University of Minnesota, 321 19th Avenue S, Minneapolis, MN 55455, USA b Warwick Business School, University of Warwick, Coventry CV4 7AL, UK Gibson D. Lewis Center for Business and Economic Development, Sam Houston State University, Huntsville, TX 77341-2056, USA d Management Division, Babson College, Babson Park, MA 02457, USA Abstract The service concept plays a key role in service design and development. But while the term is used frequently in the service design and new service development literature, surprisingly little has been written about the service concept itself and its important role in service design and development. The service concept defines the how and the what of service design, and helps mediate between customer needs and an organization’s strategic intent. We define the service concept and describe how it can be used to enhance a variety of service design processes. As illustrations here, we apply the service concept to service design planning and service recovery design processes. Employing the service concept as an important driver of service design decisions raises a number of interesting questions for research which are discussed here. © 2002 Elsevier Science B.V. All rights reserved. Keywords: Service concept; Service design planning; Service recovery design 1. Introduction A service...
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...Applied Research Paper: Superior Rentals Learning Team B Comm/215 July 14, 2014 Linda Camp Applied Research Paper: Superior Rentals As the business world looks to the future, they are leaning toward a more modern approach. Businesses are going "green" and using recyclable products in their industries. Being an environmentally aware company helps to promote a business, cut costs, and, most importantly, keeps our earth healthy. There are many reasons for a business to become more environmentally responsible. A healthier workplace, positive public response, reduced waste, and legal and tax advantages (Lorette, 2014) are just a few reasons Superior Rentals, Inc. should "go green.” Environmental responsibility begins with research and continues with the implementation of new methods and ideologies to promote a "green" company and a better world. The proposed methods, contained herein, are financially responsible, and relatively simple to incorporate into Superior Rentals, Inc.'s business plan. When businesses “go green,” the impact on the environment is substantial. Superior Rentals, Inc. can positively affect its local market and the world with environmentally sound practices. Alternatives and Discussion Research indicates the following alternatives for Superior Rentals, Inc., and includes discussion of the effectiveness of each alternative. Using Tablets/Going Paperless Using a tablet in place of a cash register has many benefits. Tablets...
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...of species apparent. Due to Small lakes being within the sanctuary and being maintained and away from civilian life and the consequences of human interaction. The relatively high turbidity score at 128.8 found within the lake is a result of the natural processes and animals living within the sanctuary, Fozzie's had a significantly lower turbidity score at 6.7. Despite Fozzie's being a water source located in the carpark of the sanctuary being exposed to the general population, a greater richness score was collated at 20.14 in comparison to small lakes at 9. The richness score of Fozzie's can be believed due to the consistent movement of cars and individuals coming to and from the area, bringing different species to the area that could otherwise not get directly into the sanctuary. This idea can be supported by the presence of a University car park closely nearby and a road additionally. The signal score, however, gives an indication of water quality of the wetland from which the sample was collected. Fozzies presented to have a decreased signal score at 2.54 in comparison to small lakes at 4.48 ultimately suggesting the greater presence of freshwater macroinvertebrates and better quality which still reigns since the settlement of...
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...Kyle Wright CJA/334 August 13, 2012 Nelly Clotter Conducting Research Police Officers The year was 1870; the idea of collecting crime statistics is discussed between the US Congress and local police executives throughout the year (Investigation, 2006). Their ideas, thoughts, and hurdles overcame them with doubts of funding suck a program. With the overwhelming issues of creating such a program the US Congress and police executives were forced to shut the program down until additional funds and counsel were found. In the early 1920s the ideas of an association gained momentum. “The International Association of Chiefs and Police (IACP) took lead, as it had in many police reforms in the early 20th century” (Investigation, 2006). During this time an advisory group was formed which was head by Director J. Edger Hoover and his technical group to form a criminal statistics program. It was the late 1920s when the gaining momentum of notorious villains like Al Capone, Lester Gillis – AKA “Baby Face” Nelson, Bonnie and Clyde, and John Dillinger that the congressional leaders create such a program to track criminal activities. Using a nationwide barometer to measure crime and track its trends the congressional leaders created its first reports (Investigation, 2006). In August 1930, Volume one, Number one of the Uniform Crime Reports “UCR” were issued by the Bureau of Investigation, the United States Department of Justice (Investigation, 2006). Many crimes tracked by UCR like murder, robbery...
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