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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SUPERADHERENT HARD COATINGS BY ION BEAM ENHANCED DEPOSITION 1. COVER SHEET (see attached) 2. IDENTIFICATION & SIGNIFICANCE OF THE OPPORTUNITY The objective of this proposal is to demonstrate the feasibility of producing super adherent protective coatings at low processing temperatures using energetic ion beams in conjunction with conventional deposition techniques. This process‚ coined Ion Beam Enhanced Deposition (IBED)‚ is depicted in Figure 1 and promises a new generation of exotic coatings
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Abstract The purpose of this assignment is engage in a discussion regarding Systems Development‚ Project Management‚ and Outsourcing. The seven phases of the systems development life cycle will be described. Relationships between the systems development life cycle and software development methodologies will be detailed. The phases in the SDLC‚ including activities associated with planning‚ analysis‚ design‚ development‚ testing‚ implementation‚ and maintenance‚ will be reviewed. The characteristics
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My Modest Proposal America is a beautiful country and I am proud to call it my home. This is a beautiful land for millions that grants its people plentiful opportunities to start a wonderful life. The United States of America is the most honorable country to live in; we have been credited for our vast amount of freedom to all. America can easily be claimed the greatest nation in the world. We do‚ however‚ have an issue‚ an issue with the homosexuals. The true American people need to do something
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Investigatory Project Proposal “Effects of Detergent Phosphates on Plant Growth” Among the nutrients essential for plant growth are phosphates. However‚ an excess of nutrients is not necessarily a good thing. Phosphate detergents contribute to soil and water pollution and can have a serious impact on water and land ecosystems. Their effects in the garden are sometimes beneficial and sometimes harmful‚ according to where you use water containing the substance. A number of synthetic detergents
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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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Amber “Bina” Cox Taherzadeh Holmes English 1302 March 13‚ 2012 WA 2: Project Proposal In our class this semester‚ we are working on writing using ethnography. I have chosen to use a restaurant for my ethnography project. I want to show how the staff of a restaurant forms their own community with in their work place‚ which sometimes carries out into the general community. I think that I will be able to prove that not only do they form their own community but also they develop bond with each
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Research Proposal Research Proposal Lillian Wilson-King Western International University RES 600 Graduate Research Methods Professor Mary Anne Moore November 14‚ 2010 Table of Contents Research Problem 3 Research Questions 5 Importance and Benefits of the Research 9 Research Objectives 9 Research Design 10 Data Collection Methodology 10 Summary/ Conclusion 12 References 13 Introduction The research proposal will focus on the implementation of change‚ the management problem and the specific reasons
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Appendix 3: Research Proposal and Ethical Approval Form Appendix 3: Research Proposal and Ethical Approval Form 1. Personal Details | Student Name | Paaryveanthan A/L Vellasamy | Emplid | 100227571 | Supervisor Name | Cherry Wei Xiao Yun | IC Number | 850915146149 | Supervisor Email | cherry.jb@affles.olympia.edu.my | H/P Number | 0172435260 | Centre | KUJB | Email Address | paaryveanthan@gmail.com | Programme & Specialization | MBA (Generic) | Term | T12013 | | | Commencement
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Proposal Report TO: The Manager FROM: Mrs D McLachlan SUBJECT: Loan for the expansion of “Veggies and Stuff” DATE: June 10th‚ 1997 PURPOSE This report is submitted in support of request for loan to allow for expansion of “Veggies and Stuff” which is the vegetarian catering company. This report outlines our plans‚ needs and expected costs necessary to expand the business. REASONS FOR EXPANSION “Veggies and Stuff” is currently home-based business catering for small private functions
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