in NPLs Key words -Macroeconomic factors‚ Nonperforming loans‚ Kenyan Banking Industry‚ Error correction model‚ Granger causality‚ Cointegration test. 1. Introduction Given the recent turbulence in banking and the rise in non-performing loans (NPLs) there is renewed interest in the impact of internal and external factors on NPLs of banks. Financial institutions and more specifically the banking industry are faced with an array of risks such as liquidity risk‚ market risk‚ and operational
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VISUAL STREAM MAPPING 1.1 Introduction Lean manufacturing is a production practice that considers the expenditure of resources for any goal other than the creation of value for the end customer to be wasteful‚ and thus a target for elimination. Working from the perspective of the customer who consumes a product or service‚ "value" is defined as any action or process that a customer would be willing to pay for. The goal of Lean is to becomes the creation and maintenance of a production
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Experiencing the Arts Ebony R. Hughes ARTS/100 June 2‚ 2014 Doris Doyon The definition of art‚ according to the Oxford dictionary is described as “The expression or application of human creative skill and imagination‚ typically in a visual form such as painting or sculpture‚ producing works to be appreciated primarily for their beauty or emotional power.” (Oxford‚ 2014) Now at a time before I would have to agree with the current definition of art given by Oxford‚ however I began to
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Spirituality in Art “Spirituality is such a vibrant and integral part of our lives that even our changing times and all the apparent obstacles have not stifled the powerful partnership of spirituality and art in the modern era” Lynn M. Herbert. This essay will assess and discuss three contemporary artists that address the idea or concept of ‘spirituality’ in their work. Spirituality is a term that lacks certain defiance or a definitive definition‚ although social scientists have defined spirituality
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Principles of Safeguarding and Protection in Health and Social Care HSC024 ASSESSMENT ONE Define the following types of abuse: Abuse may be physical‚ psychological‚ sexual‚ financial‚ negligent‚ reckless behaviour which endangers self or others as well as self-harm. Abuse may be intentional or unintentional. It may be about doing something (an act of commission) or doing something (an act of omission). When a person abuses another person
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The Art of Listening Essay “Courage is what it takes to stand up and speak; courage is also what it takes to sit down and listen.” (Churchill) Having the capability to give one’s attention to sounds is just as crucial as having the ability to vocalize words. The quote stated above by Winston Churchill signifies how important the art of listening is. Not only is it vital to achieving success‚ it brings many benefits to individuals. But before we can analyze components of how listening is advantageous
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School Curriculum in my words today December 18‚ 2012 Curriculum plays a crucial role in today’s society‚ and no community can afford to exist safely without it. Merriam Webster’s dictionary defines curriculum as‚ “The subjects comprising a course of study”. Such a simple definition appears straight forward enough; however‚ as has been indicated before by seemingly simple definitions‚ a world of meaning belies the few words that comprise them. For instance‚ when one considers what topics
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Database Tutorial in Visual Basic.NET The first thing you’ll need is a database. Use Access to create this database; it consists of a few simple fields in the tbl_master table: • EmployeeID • FirstName • LastName • Location Create this table in Access: (Safer‚ download it from My Subjects>Sample Database) |tbl_master | |EmployeeID |FirstName |LastName |Location | |1 |Green
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What defines goodness and wickedness in people‚ decisions‚ and rules. Goodness and wickedness can be determined by one’s morals or moral choices. According to Seneca virtue goes beyond this world of education‚ property‚ etc. He discusses intellectual freedom and how it allows an individual to be free in thought and to decide on their own life‚ but because of this it paves the way for goodness or wickedness. Within “Liberal Studies and Education” Seneca illustrates the path of virtue through a deeper
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Society Does Not Define Me by Kristen Anastopoulos In magazines‚ on T V‚ in movies everywhere we look we see society’s version of “perfect” girls‚ which forces girls everywhere to believe that’s how you’re supposed to look. Because of society I grew up thinking that skinny was beautiful‚ but it turns out that wasn’t true. During middle school I was bullied for various things‚ which made me think I wasn’t beautiful. With this mindset I did whatever I could to fit society’s standards of beautiful
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