The determinants of non-performing loans: an econometric case study of Guyana[1] Tarron Khemraj Assistant Professor of Economics New College of Florida Sukrishnalall Pasha Lecturer University of Guyana ABSTRACT The study attempts to ascertain the determinants of non-performing loans in the Guyanese banking sector using a panel dataset and a fixed effect model similar to Jimenez and Saurina (2005). Consistent with international evidence we find that the real effective exchange
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Standardized Testing: Is it Truly Beneficial to Children? In 2000‚ the United States’ ranked 18th in the world for math scores. In 2009‚ seven years after the No Child Left Behind Act‚ the United States ranked 31st. This statistic alone should be reason enough to discard standardized testing in the education system. Since standardized testing has been required‚ not only has the US ranking in education gone down‚ but also the value of education has gone down. By allowing these tests‚ students
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address what key elements companies in this situation need to address‚ such as‚ quality of customer service provided‚ security of confidential information‚ and the possibilities of cost savings‚ in order to be sure that outsourcing is the best solution for their company. Outsourcing to Stay Competitive For companies to stay competitive in today ’s global market‚ many are facing the decision to outsource sectors of their company. By taking a part of their business offshore‚ a company can lower
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Management 14 November 2013 Outsourcing of American Jobs Hurts the United States Economy Introduction: Over the past few decades the United States has increased its use of outsourcing as a means to positively impact the economy‚ due to the apparent economic benefit this action has on the bottom-line for companies. In general‚ outsourcing is the movement of business operations and process to any location based outside the home country. The practice of outsourcing was introduced due to the perceived
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ASSIGNMENT 2 “Other side of outsourcing” by: Thomas Friedman The impact outsourcing had to United States was for some Americans bad. They claim the jobs they loose and the disadvantages that Americans were facing due to this radical change. While in the United States some people were disgusted‚ in the other side of the world‚ the young people were very thankful. This change made a revolution on their culture; the new Indian generations were entering to a whole new world‚ making a big change between
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Business Process Outsourcing in the Insurance Industry In the wake of the 2008 Global Financial Crisis‚ insurance companies around the world have taken action to ensure their survival. To assist insurance companies determine ways to improve efficiencies‚ Accenture has developed a guide to business process outsourcing (BPO) for the insurance sector. BPO can play an important role in realizing a company’s growth strategy. Specifically‚ highly routine work involving large-volume processing
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TOPIC: IS THE EFFECT OF INTERNET ON OUR LIVES BENEFICIAL? Almost everybody owns a computer today. Everyone has access to a computer. Of all these personal computers in the world right now‚ the majority of them are connected to the Internet. Internet can be seen as a bad thing if you become too dependent on it for your daily life and your daily learning. The internet leads to the destruction of the viewers mind‚ it has also been seen as an educational tool. There are many different types of sites
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NAME April 27‚ 2011 Sociology Formal Memo Minimum Wage effects: Beneficial or Hindrance? In the United States‚ workers are covered by the Federal Government when it comes to the worth of one’s labor. This is done through laws governing the minimal amount of pay per hour of labor. This law is called the Fair Labor Standard Act (FSLA). Currently‚ the minimum wage is set at $7.25. This is much higher than previous amounts. During economically difficult times‚ the Federal Government may
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How would you like to solve the world’s problems? Cure diseases? Or even prevent diseases from happening? Embryonic Stem Cells are beneficial to society . Embryonic Stem Cells can help treat many diseases . The most exciting use of the stem cells depend on their their the ability to differentiate into a wide range of functioning adults cells. This gives a replacement source of the cell to treat any serious disease. That means that technically any disease that cellular and tissue destruction it
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Is it Bad? Does free trade and outsourcing damage the U.S. economy by purging jobs and discouraging domestic investment or does it eventually strengthen the U.S. economy? Many seemingly well-educated people believe outsourcing is bad for the economy. They see hardworking Americans’ jobs shipped overseas leaving many people jobless‚ weakening the economy. President Bush feels so strongly about it that he recently signed a bill forbidding the outsourcing of federal contracts overseas (www.economist
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