THE IMPACT OF MACROECONOMIC FACTORS ON NONPERFORMING LOANS IN THE KENYAN BANKING INDUSTRY. MAKUSA GEORGE MAWILI HD 335-40-0284/2012 JOMO KENYATTA UNIVERSITY OF AGRICULTURE AND TECHNOLGY Email;mawiligeorge@yahoo.com Phone No. +254 0728 165 416 Abstract This study aimed to investigate the effect of macroeconomic factors on the performance of nonperforming loans in the Kenyan commercial Banking industry. The research methodology adopted was a simple time series analysis design that assisted
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Water and Air Pollution in Birmingham‚Al SCI 270 Environmental Science Jeffrey Snider November 2‚ 2005 Water and Air Pollution According to the Southern Alliance for Clean Energy website (2005)‚ Birmingham ranks #15 in the United States for haze pollution. Obviously this indicates that there is a very serious problem here. Birmingham is somewhat located in a valley coming off of Red Mountain located nearby. The location here leads to temperature inversions and therefore worsens the smog
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It can be hard for a Muslim to live in a non Muslim country because of the beliefs of Islam and how they go about their certain religious commutes. Their religion can affect their lives in such a way that they have to follow five pillars of faith. These five pillars each have certain rules that the Muslims have to follow. Living in a non Muslim country can disrupt the following of these rules. The first pillar that the Muslims have to follow is the Shahada. This can also be known as creed. This
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Dumping in our Waters Water is probably one of the most important resources we have. People can survive without food for several weeks but without water we couldn’t live for more than a week. Millions of liters of water are needed every day worldwide for washing‚ irrigating crops‚ and cooling industrial processes‚ not to mention leisure industries such as swimming pools and water sports centers. (Internet Source) Despite our dependence on water‚ we use it as dumping ground for all sorts of waste
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Elizaveta Shmakova PSC 216 (Final Exam) Dr. Gambino The Effectivness of the Federal Water Pollution Control Act Amendments (FWPCAA) of 1972 Federal Water Pollution Control Act (FWPCA) strengthened regulatory framework to respond to an oil spills and to establish requirements for the prevention of pollution. The purpose of the law is the prohibition of discharge of oil and hazardous substances in the areas of the navigable waterways of the United States in dangerous quantities (p.10). The law clearly
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Three factors that affect non verbal communication We are always communicating in some sort of way and that may not necessarily mean we are saying something. Within today’s rapidly growing organisations‚ there are a lot of different types of communications that effect interactions between people in a business no matter how big or small the business may be. ‘An organization is a stable‚ formal social structure that takes resources from the environment and processes them to produce outputs’ (BIS
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Problem: greenhouse gas pollution Reason: burning fossil fuels Sub-reason: create much carbon dioxide Solution: phasing out fossil fuel Example: not building any new coal-burning power plants Pollution whether it is vehicular‚ electrical or industrial is the main contributor to the global warming. Most of the greenhouse gas emissions come from the burning of fossil fuel for energy such as electricity and transport. When oil‚ gas or coal burns‚ carbon contained within it combines with oxygen
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Int. Journal of Math. Analysis‚ Vol. 1‚ 2007‚ no. 5‚ 237 - 246 Non-Discretionary Factors and Imprecise Data in DEA F. Hosseinzadeh Lotfi‚1 and G. R. Jahanshahloo Dept. of Math.‚ Science and Research Branch Islamic Azad University‚ Tehran 14515-775‚ Iran M. Esmaeili Dept. of Math.‚ Islamic Azad University‚ Shahrekord P.O. Box 166‚ Shahrekord‚ Iran Abstract Discretionary models of data envelopment analysis (DEA) assume that all inputs and outputs can be varied at the discretion of management or
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Tong Li Zach Hilpert Focused Inquiry 112 Water scarcity and pollution: Don’t let our tear become last drop of water Years of thoughtless exploitation and consumption of environment by mankind has resulted in the effects staring in our face now. More and more potentially devastating environmental problems come up and affect various nations worldwide. But many people have trouble recognizing why a resource that seems infinite‚ is actually‚ scarce. Humans have already put excessive pressure
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understand and study natural phenomena. But man’s influence has also had an impact on the habitats and the living conditions of many plants and animals. This happens because‚ as technology and industries become more advanced‚ more and more of the natural resources available are being used. There are perpetual‚ renewable and non-renewable resources. Perpetual resources are unlimited instead renewable and non-renewable resources have a limit but renewable resources can be replaced. Deforestation is especially
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