Recent years have seen a renewed interest in experimental tests of Lorentz and CPT symmetry. Observable signals of Lorentz and CPT violation can be described in a modelindependent way using effective field theory (Kostelecký and Potting, 1995). The general realistic effective field theory for Lorentz violation is called the standard-model extension (SME) (Colladay and Kostelecký, 1997; 1998; Ko...

Bedrový kĺb je jedným z hlavných nosných kĺbov v tele. Pretože je tento kĺb často postihnutý degeneratívnymi procesmi, ktoré vedú k imobilizácii pacienta, skúmajú sa faktory, ktoré ovplyvňujú jeho vývoj. Predpokladá sa, že dlhodobo zvýšený tlak na kĺbovú chrupku urýchľuje vývoj koxartrózy [22, 51]. Preto sa v predchádzajúcich štúdiách používala na popis stavu kĺbu maximálna hodnota tlaku. Objav...

The blaTEM-1 β-lactamase gene has become widespread due to the selective pressure of β-lactam use and its stable maintenance on transferable DNA elements. In contrast, blaSME-1 is rarely isolated and is confined to the chromosome of carbapenem resistant Serratia marcescens strains. Dissemination of blaSME-1 via transfer to a mobile DNA element could hinder the use of carbapenems. In this study,...

This paper presents the results of a mail survey used to investigate the relationship between continuous improvement/innovation management practices and SME performance in Australia. Multi-item scales were developed and used to measure key components of continuous improvement and innovation management. Nine dimensions of SME performance were measured, for example, speed to market, success rate ...

[Context and motivation] Small and medium-sized enterprises (SME) have become the weak spot of our economy for cyber attacks. These companies are large in number and often do not have the controls in place to prevent successful attacks, respectively are not prepared to systematically manage their cybersecurity capabilities. [Question/problem] One of the reasons for why many SME do not adopt cyb...

We examine whether stringent formal sector borrowing requirements in developing countries restrict credit access and the potential of asset-collateralized loans. When a Kenyan dairy cooperative exogenously replaced high down payments with loans collateralized by the asset itself a large water tank loan take-up increased from 2.4% to 41.9%. In contrast, substituting joint liability requirements ...

To date, there is no consensus about how frictions in the credit market affect the transmission of the monetary policy to the real economy. The traditional money channel states that when the Central Bank reduces its reserves, commercial banks are forced to reduce their demand for deposits. If prices are sticky, in the short-run a decrease in real monetary holdings should lead to higher real int...

The Internal Ratings Based (IRB) approach suggested in the New Basel Accord regulations (BIS 2005) uses a capital allocation formula derived from a Merton style structural model of the credit risk of portfolios of corporate loans. Yet this formula is being applied in the case of consumer loans as well as corporate loans. This has highlighted that although there are a number of well established ...

We investigate differences in the characteristics and performance of securitized loans versus loans held on lenders’ balance sheets using a unique data set of commercial mort­ gages. The main findings are as follows. First, consistent with risk-sharing being a likely reason for securitization, loan size strongly predicts the likelihood of securiti­ zation. The largest 10% of loans have a 44% ch...