Using Earnings-at-Risk to Assess the Risk of Indonesian Banks Elisa R. Muresan‚ Ph.D. 1 Nevi Danila‚ Ph.D. 2 JEL Classifications: F37‚ G20 Authors’ Keywords: Capital Adequacy Ratio (CAR) Earnings-at-Risk (EaR)‚ Bank Risk‚ Indonesian Banks Questions and feedback may be directed to both authors. 1 Elisa R. Muresan is an Assistant Professor of Finance at The School of Business‚ Public Administration‚ and Information Sciences‚ Long Island University‚ 1 University Plaza‚ Brooklyn‚ NY 11201
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For many people risk is an accepted part of everyday life. Every day activities such as catching the bus‚ travelling on holiday‚ playing football‚ setting up home and starting a family all carry some element of risk. Risk plays a part in our health‚ safety‚ security‚ well-being‚ employment‚ education‚ daily activities‚ using resources and equipment and in community participation. But some adults‚ for example disabled people or older people‚ are often discouraged from taking risks. Traditionally
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Outline: I. Introduction II. Social-Conflict Theory III. Family Structure and Statistics IV. The effect on Children V. Financial Effects VI. Minorities VII. Support and Love is the Key VIII. Conclusion Introduction How do family situations affect the outcome of children? Does a two parent family typically have children that are more likely to succeed than a one parent or step parent family? How big a role do finances put on that outcome? I’ll put a different twist on it as well‚ by
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Business Student Name: Aaron Student ID#: Teacher: Rose Hyson Due Date: 17 May 2013 Word Count: 1‚032 GAC008 AE#4 Aaron Question: The benefits of running a family business far outweigh the disadvantages. Relate this to your personal experience. Use specific examples and provide appropriate evidence to support your answer. Family business occupies a large part of business structure and earns an estimated 70% to 90% of global GDP annually (Bryant‚ 2007). However‚ it is facing some vital challenges
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High-school I never knew going to high-school would be such a big deal for me. High-school never seemed so challenging‚ but my first year of high-school was a challenging year‚ but also a fun year. Going to high-school was like the start of a new life‚ actually it was the start of a new life because I knew I would learn so much and become a mature young lady. My first year of high-school I went to Arsenal Technical High-school. I was in New Tech High‚ it was an academy
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Negative Effect of Environment on Families NUR 542 July 29‚ 2012 Negative Effect of Environment on Families This debate statement will focus on the negative effect that the environment can have on families. There is a correlation between the direct environment in which a family lives and the degree of dysfunction in the household. This alone can be devastating to the family unit and to the individual members. There are some solutions that may help families to combat the negative effects that
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Ethical and Legal Issues in Nursing Sherry Cox‚ Talia Mukhlis‚ Siobhan Wilson NUR/391 February 23‚ 2015 Lisa Alexander Ethical and Legal Issues in Nursing Ethics and societal values are part of what makes each individual unique. We all form our opinions based on what we believe in our hearts to be the right way to act and think. As nurses‚ sometimes these personal values correlate with our professional beliefs‚ and sometimes they may not. There are times that we may have religious or philosophical
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Adolescent pregnancy is viewed as a high-risk situation due to the serious health risks that this creates for the mother‚ the baby‚ and society at large. Describe various risk factors or precursors to adolescent pregnancy. All races of females in low socioeconomic status In 2009‚ 57% of teen pregnancies were to Non-Hispanic blacks and Hispanics/Latinos Those in foster care Those in the juvenile detention system The risk factors are determined based on the teen’s upbringing‚ knowledge‚ and attitude
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object‚ and I chose the high heel. My solution is to develop a high heel shoe construction in which there is an orthopedic pad sewn into the shoe that molds to each individual’s foot. While the high heel is a huge product in women ’s fashion‚ there are risks beyond just discomfort with these shoes. My solution is to keep the same construction and appeal of a high heel shoe while adding an orthopedic pad to create comfort for individuals. One of the most critical problems of high-heeled-shoe design involves
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Business Risk vs. Audit Risk By Gabriel Agboola The following article first appeared online in the IT Compliance Institute Ask The Auditor column. Used with Permission. What’s the difference between business risk and audit risk? Business risk relates mainly to an organization’s goals and objectives. It is essentially the potential cost incurred if the business does not achieve its strategic plans. The assessment and management of business risk has evolved into formalized enterprise risk management
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