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Impact of Financial System on the Economy
Great question. The simple response is that well developed, smoothly operating financial markets play an important role in contributing to the health and efficiency of an economy. There is a strong positive relationship between financial market development and economic growth. For example, in Chapter 1 of their 2001 book, Financial Structure and Economic Growth, editors Demirgüç Kunt and Levine concluded:
In particular, researchers have provided additional findings on the finance growth nexus and have offered a much bolder appraisal of the causal relationship; firm level, industry level, and cross country studies all suggest that the level of financial development exerts a large, positive impact on economic growth.
Financial ... Show more content on Helpwriting.net ... 569.7 750.9 24.1%
For comparison purposes: U.S. GDP in current dollars in 2004 was $11,735 billion.
Why are financial markets and institutions important?
Financial markets play a critical role in the accumulation of capital and the production of goods and services. The price of credit and returns on investment provide signals to producers and consumers financial market participants. Those signals help direct funds (from savers, mainly households and businesses) to the consumers, businesses, governments, and investors that would like to borrow money by connecting those who value the funds most highly (i.e., are willing to pay a higher price, or interest rate), to willing lenders. In a similar way, the existence of robust financial markets and institutions also facilitates the international flow of funds between countries.
In addition, efficient financial markets and institutions tend to lower search and transactions costs in the economy. By providing a large array of financial
Islamic Industry Continues to Grow
The Islamic finance industry continues to grow following continued internationalisation efforts. Last year s growth was an impressive 16.5%, accounting for 25.7% of total assets in the banking system. The foreign currency business also grew with assets amounting to RM 18.1 billion in 2013.
Meanwhile in the takaful sector, total assets of takaful funds grew by 10% to RM20.9 billion, while total takaful contributions accounted for 14% of total premiums in the industry. To increase the potential return to contributors, takaful operators were allowed to invest abroad any amount of investment linked funds of resident clients. This is an increase from the previous limit of 50% of net asset value.
Bank Negara Malaysia gave the `Emas status to ... Show more content on Helpwriting.net ...
To comply with liquidity requirements, the sukuk has been accorded regulatory recognitionas a liquid asset and a low risk credit under the capital adequacy framework applicable to banking institutions. To increase the investor base of foreign sukuk, the government issued an inaugural GII of RM 4 billion in July 2013 based on the murabahah concept. This was intended to replace the bai inah concept which was used earlier. Under the new concept, the contract is a certificate of debt for a deferred sale transaction of an asset based on Shari ah principles. It is hoped this concept will attract more domestic and international investors and increase the value of Malaysia s sukuk market. Fortunately it did when the issuance was over subscripted by nearly three times.
On 1 August 2013, the Prime Minister unveiled the Malaysia International Islamic Financial Centre s new brand ` Malaysia: World s Islamic Finance Marketplace . It promotes the rapidly expanding connectivity of Malaysia s Islamic financial institutions with the global banking community. A robust financial infrastructure will enable better cross border multi currency transactions. In conjunction with the launch, the enhanced MIFC portal was also rolled out. Major enhancements include Islamic finance news feeds, live market data, thematic analyses and
Cyntoia Brown Murder Essay
Mia Hudson Mrs. Varnado English II 24 April 2015 Thesis: Cyntoia Brown should not have been guilty of murder because of negative childhood experiences, being tried as an adult without parole, and shooting out self defense. I.Negative childhood experiences. A.Her biological mother and family have psychological disorders. 1.Disorders in the family include bipolar, personality disorder, and suicidal. Grandmother shot herself in the face when biological mother Georgina Mitchell was in the 2nd grade, aunts have killed themselves from suicide or has tried, Cyntoia s great grandfather shot himself, and mother of Cyntoia has tried suicide also. 2.Biological mother Georgina Mitchell became pregnant with Cyntoia at the age of six teen. Abused... Show more content on Helpwriting.net ... This case was prolonged for one reason to try her as an adult. 1.The timeline of this case starts the night of the murder and Cyntoia is sent Juvenile Justice System and stayed there until her transfer hearing; she was put her because she was only six teen at the time. During questioning from the detectives Brown states a full confession of the crime without legal representation; not knowing the meaning of the right to remain silent she talked. November 4, 2004 Brown has a transfer hearing at Davidson County Juvenile Justice center, this hearing determines whether she will be tried as a juvenile or an adult; she is still six teen at the time. 2.On August 21, 2006 Cyntoia s trail begins and lasted for five days by this time she is legally an adult meaning she s eighteen. Finally on she is guilty of three counts: first degree murder, felony murder, and suspicious aggravated robbery that resulted with life in prison without parole. B. The critical point is that adults and teens think differently, but why charge them the
The
Hurricanes are common natural disasters that befall several times a year. Most often, their wind strength are ranked less than Category 3, however occasionally, when conditions are favourable, they can grow into gigantic storms that bring devastation to anything in its vast reach; Hurricane Katrina of 2005 is the infamous one that pertain to the above description.
Description of the Event
While Katrina was only ranked sixth on the record in terms of wind strength recorded in the Atlantic basin, it is often recognized as the deadliest hurricanes to ever hit the United States. (http:/ /www.livescience.com/22522 hurricane katrina facts.html). The massive storm had once had hurricane force wind extending 120 miles out from the eye and tropical ... Show more content on Helpwriting.net ...
Vulnerability
New Orleans is very vulnerable to the disaster. Geographically, 80% of New Orleans is positioned below sea level. The bowl shape city made it prone to flooding (see figure 2). In addition, the city is surrounded by the Mississippi River to the South, Lake Pontchartrian to the north and Lake Borgne to the east, which significantly intensified the flooding problem. Furthermore, New Orleans is built on a delta marsh, which means that the ground is very impermeable, allowing floodwater to stay remain and build upon the surface. Finally, because of the depletion of wetlands, there were very little interception of the storm surge.
Causes Hurricane Katrina originated on August 23 over the Bahamas as a result of the interaction of a tropical wave and the remnants of a previous tropical depression. As conditions further favoured its development into a tropical storm, it made its first landfall on August 25 in Florida. While scientist predicted that Katrina would move further Northward after landfall, it made a sudden change of course towards the Gulf of Mexico in the west. Due to the low wind shear, and the generally warmer sea temperature of the Gulf Loop Current, Katrina intensified rapidly. On August 28th, Katrina underwent a second intensification where it subsequently became a category five hurricane with maximum sustained winds of 175 mph. At this time, the strong upper trophospheric ridge
Benefits Of Integrated Managed Care
Integrated Managed Care Organization The organization is properly aligned for the primary driver being cost cutting services. Since all entities within the organization are responsible and affected by any expenses endured on any entity being unfavorable or favorable, the foundation serves as a primary motivator to reduce costs at all levels. This alignment eliminates any financial gains from driving high utilization of services or higher intensity services within the organization. Ultimately, this system allows the physician medical group to drive care, being responsible for the clinical care decisions as opposed to health plan making those decisions as designed in other organizations. This is the preferable model for Medicaid systems as... Show more content on Helpwriting.net ... The couple strengths above are some of the primary drivers of how Kaiser Permanente can provide a higher quality of care at a better price. One of the main trajectories being keeping health care costs low for all members. This focuses the awareness on reducing cost, minimizing utilization, keeping members healthy, and increasing member satisfaction. This alignment of all three entities has remained the backbone of organization leading to a good amount of success that Kaiser Permanente has accomplished. Largest Electronic Health Record System Besides giving members ultimately full access to their health records they are able to collect and analyze health data stored in the electronic health file. This gives any Kaiser physician access to the patient s health records to evaluate, treat, and diagnose in an organized efficient manner. Also, this gives Kaiser the availability to flag high risk patients with chronic conditions that could otherwise fly under the radar. Giving the organization the ability to develop personalized care development plans and transitioning the patients to outpatient programs as needed. Kaiser Permanente Phone Application Kaiser Permanente Phone Application Amongst the healthcare industry Kaiser has led technology by developing a Kaiser phone application known as KP health. This application allows any member to access their health
Brain Damage In Brecken Hancock s Winter Frontal Lobe
In Brecken Hancock s poem Winter, Frontal Lobe the central theme addresses the loss of a mother figure in the life of a child and the loss of a wife fo the speaker s father. The speaker s mother, in this poem, seems to suffer from brain damage, specifically to the frontal lobe (as stated in the title).
Throughout this poem, Hancock seems to compare the mother s condition to winter. Both winter and brain damage are cold, isolated, and may result in a whiteout or blizzard which may signify the mother s confusion, mood, or behaviour due to her damage to the frontal lobe. Hancock supports this theme through the somber tone of this poem: a tone that is dark, serious, and gloomy. Through the tone that Hancock uses, the overall mood created is one that is both creepy and depressing. The diction that Hancock uses helps... Show more content on Helpwriting.net ...
The shortness of the lines in this poem may reflect upon the main theme of brain damage, which can cause a change in behaviours such as initiation, inhibition, or increased irritability. Therefore, the poem is short to make us read it fast and show how the emotional behaviour of the speaker s mother may feel or how the speaker himself feels towards his mother s condition. The lines in Hancock s poem are also short due to an abundance of enjambment which is used to focus our attention on what comes after the first line. In the following quote: His axe can t cleave/ this confusion (22 23), we have enjambment which creates something serious and unexpected. By stopping at the word cleave we might imagine something splitting in half such as wood. However, Brecken finishes this idea by adding the words this confusion which creates a different idea than what may have been expected and is a surprising twist. This enjambment allows us to realize that there is nothing the father can do help his wife s
Legal Issues And The Electronic Health Record
Legal Issues and the Electronic Health Record
Jessica Frame
Ogeechee Technical College: HIMT 1150
Abstract
With the current implementation of the electronic medical record (EHR), there are legitimate issues and concerns that need addressing before one can fully understand the EHR. While implementing an HER offers things such as improved quality of care and increased patient safety, there are also legality issues one faces and may not realize when utilizing an EHR documentation standards change, as well as medical liability. The sooner a facility or physicians practice come to acknowledge and address the patient care issues involved in the EHR, the easier and smoother a transition becomes from the old school paper chart to the new and improved electronic health record.
Keywords: Electronic health record, EHR
Legal Issues and the Electronic Health Record
The electronic health record or EHR is an exciting technological advance in the medical community, helping to streamline healthcare for patients multiple areas. While there are many obvious and great reasons as to why one should implement and EHR, there are also many legality issues associated with upgrading from a paper record. Knowing the risks associated with implementing an EHR and how to avoid mistakes common issues associated with one (EHR) in a medical setting is detrimental to the adaptation of electronic health records and the positive or negative feedback received from making such a big change in a healthcare
Causes And Effects Of The MongolsFacilision On Eurasia
Between 1200CE 1500CE, the Mongol Empire affected Eurasia through facilitating trade, exchanging money, collecting tribute, spreading the plague, diffusing technology, eradicating bandits on trade networks, and attacking the city of Caffa along with their influence on the acceleration of the Black Death plague. Insert Contextualization paragraph about Aztecs, Incas in the Americas One major effect of Mongol expansion on Eurasia was the Mongols Facilitation of Trade. This effect is similar to how the Mongols collected tribute from foreign travelers with the introduction of Kublai Khans decree that was issued in 1278. The Mongol Empire always favored trade and this was a very fortunate thing for the worlds nations, especially for the West. When the Mongols began to conquer land and rise to power, they opened themselves up to trade and reopened the Great Silk Road Trade Network. This was possible because the Mongols and the Golden Horde cleared out bandits during their conquests that had made merchants and travelers afraid to go on with their business. The Mongols also created rest stops and had fortified outposts along the GSR and helped caravans across the network. Because of this, trade contacts increased exponentially starting around 1250. This also had to do with Pax Mongolica which was the peace that the Mongols had created around Eurasia since they began to unify it. The Mongols facilitation of trade and their openings of trade all around Eurasia is what shifted trade to the west and began the diffusion of different technologies. According to the information from Marco Polo in Document 1, the Mongols were smart and wealthy people who lived by their skills and trade. Marco Polo goes on to explain how even the merchants had the spirits of soldiers and the people in general had what it took to conquer the whole world. Another major effect of Mongol expansion on Eurasia was the Exchange of Money around the entirety of Eurasia by the Mongols. This is a similar effect that ties in with the Mongols facilitation of trade and collection of tribute. With the collection of tribute from foreign travelers conducting business in Mongol territory and the spread of trade throughout all of Eurasia caused by the
Les Miserables is a movie about people with miserable lives. Each of them has a unique story that portrays why their lives are miserable. The sacrifices and pains of the lead characters in this movie are intense and breathtaking. Jean Valjean is a convict in a French prison. He s been serving his sentence for 19 years for stealing a loaf of bread for the daughter of his sister that was starving to death and trying to escape prison as well. Javert a police inspector is keen enough to hover over prisoner 64201 Valjean. Javert then grants Valjean his parole since his sentence is over. The parole has itineraries for which Valjean must abide at all times. It includes the yellow badge that Valjean shall wear at all times to show people that he... Show more content on Helpwriting.net ... She did this despite her strong feeling for Marius, she s deeply in love with him. Eponine accompanies Marius to Cosette s place. There, Marius and Cosette confess their love to each other. And Eponine who saw everything was really heartbroken. The Thernardiers and a few men arrived to abduct Valjean and Cosette but as soon as they arrived the two managed to escape because Eponine screamed to warn them. M. Thernardier hitted his daughter for betraying him. Eponine found a note from Cosette and leaves to expresses her soliloquy on her own. Her soliloquy was very sad and distressing. It was about how in love she is with a man but she is all alone. Marius joins an uprising with the other radical students. They were definitely outnumbered but remained to stand their ground because they want democracy and stop slavery. Javert pretended to be an ally but was identified by the little boy Gavroche. Javert was apprehended by the young men and held captive. Valjean returns to the area and discovered about the uprising. He was recognized and accepted by the young men. He sees Javert tied up and requested to give him Javert since he did them a favor by shooting a few French soldiers. He took Javert away and took him at the back of the house. Instead of killing him, he spares his life. He shots a bullet in mid air so the others would think he killed him. Later on, a large troupe of French soldiers arrives and started shooting them bullets
Acute Lymphoblastic Leukemia Research Paper
Acute Lymphocytic Leukemia is a scary disease. The term acute means the disease can quickly spread and progress quickly and can prove fatal in months if left untreated. Lymphocytic simply means that it develops from immature forms of lymphocytes. Also known as Acute Lymphoblastic Leukemia, or ALL for short, it is a type of cancerthat starts from the early form of white blood cells called lymphocytes in the bone marrow. ALL is the most common form of cancer in children, though adults can get it as well. For children, treatment results in a good chance of a cure. Adults have a significantly smaller chance of a cure with ALL. ALL generally invades the blood very quickly and has the potential to spread to other body parts such as the spleen,... Show more content on Helpwriting.net ... Chemotherapy, Radiation therapy, stem cell transplant, and targeted drug therapy are all forms of treatment for ALL. Chemotherapy is typically used as induction therapy for kids and adults. Chemotherapy can also be used in consolidation and maintenance therapies. Chemotherapy is given in a variety of ways. It can be given orally as a pill or liquid. It can be given intravenously by infusion into a vein. A cream on the skin can be given. Chemotherapy can also be given by direct placement either via lumbar puncture or a device placed just under the scalp. Radiation therapy uses high powered beams, such as x rays, to kill the cancer cells. Radiation therapy is usually recommended when the cancer has spread to the central nervous
Credit Evaluation Model For Banks Using Data Mining...
Credit Evaluation Model for Banks Using Data Mining Techniques
By Sharan Brahmanapally, Bachelor of Technology
A Project submitted in Partial Fulfillment of the Requirements For the Degree of Master of Science
In the field of Industrial Engineering
Advisory Committee: Dr. Hoo Sang Ko
Graduate School
Southern Illinois University Edwardsville August, 2015
TABLE OF CONTENTS
TABLE OF CONTENTSii
LIST OF FIGURESiii
LIST OF TABLESiii
ABSTRACTiv
CHAPTER 11
INTRODUCTION1
1.1 Introduction1
1.1.1 Decision Process for Credit Evaluation3
1.2 Problem Statement4
1.3 Aim of the Project4
1.4 Objectives of the Project5 CHAPTER 26
LITERATURE REVIEW6
2.1 Introduction6
2.2 Theoretical Background6
2.2.1 Decision Trees6
2.2.2 ... Show more content on Helpwriting.net ...
It is a process of analyzing the relationship among the data from various perspectives and summarizing it into valuable information. It also assists the banks to look for hidden patterns in a group and discovers unknown relationships in the data. These data mining techniques facilitate useful data interpretations for the banking sector to avoid customer attrition. An accurate prediction on the credit approval is important to prospective homeowners, developers, investors, appraisers, tax assessors and other real estate market participants without fraudulence. People who are looking to buy a new place or thing, tend to be more conservative with their budget and acquiring loans from financial institutions. The credit functionality is prime for any banking system over the tentative market conditions. The lack of general credit review system precise methods in banks are the important reasons, why an expert support system is necessary. This project aims to evaluate the performance and accuracy of classification models for credit evaluation. The classification models are developed based on decision trees (J48 CART), Support Vector Machine (SVM) and Logistic Regression along with Ensemble Methods. We used a credit approval dataset from UCI repository to compare the accuracies of the various data mining techniques. All the developed models achieved more than 85% accuracy, and
Mastery Learning Policy Analysis
On the first day of school the student of AHS walked in to discover the Mastery Learning policy being put into effect.
Mastery Learning exercises the students newly acquired right to retake tests and also makes an adjustment to the weight of formative, summative and final assignments to better fit the students needs. Mastery Learning was not implemented by the Department of Education, but by the administration of District 7 all in efforts to produce successful and well rounded students. However, some students expressed the negative impacts this new policy that have on them while others are thankful for the second chance.
Similarly, the mastery learning policy changes the weight of formative, summative and final from the combination of two card marking grades and the final exam score (better known as 40 40 20) to a trimester s grade and ... Show more content on Helpwriting.net ... Despite these concerns, AHS students still welcome their new ability to retake tests. Now I can keep an A .... this [policy] should have been done a long time ago. says junior Kayla Roberts. It gives us another chance to bring up our grades. says freshman Kristina Marin adds. The remediation assignment actually helps me relearn the material. junior Kayla Dean.
Principal Howard expressed her support of theses statements when she declared the mission of Mastery Learning as To allow students to master the content with extra time to improve their grades. Students will take responsibility for their education. The other part of the mastery learning policy, change in the weight of a formative, summative and final grades, is one that AHS students still side together as they proclaim its extreme difficulty. It is harder to keep grades for that long, says freshman Mauricia Schofield. 40 40 20 gave more opportunity to bring grades up. junior Cameron
