We show that since 1994, branching deregulations in the U.S have signi…cantly a¤ected the supply of mortgage credit, and ultimately house prices. With deregulation, the number and volume of originated mortgage loans increase, while denial rates fall. But the deregulation has no e¤ect on a placebo sample, formed of Independent Mortgage Companies that should not be a¤ected by the regulatory chang...

In this paper, a house is assumedas an expression of culture. It has been tried to study a Qajar1 house in Tabriz, in terms of its ties with cultural context.Methods and viewpoints of Amos Rapoport have been used in order to identify and peruse the circumstance of this relationship. The main reason for using Rapoport's viewpoints to understand Salmasi House, as a case study, in addition to cont...

This research aimed to examine the household saving behavior on formal financial institutions in urban and rural areas. The data sources of this from Central Bureau Statistics (BPS), namely 2018 Indonesia national socio-economic survey (SUSENAS) village potential (PODES).The sampleswere 126 539 households 168 562 spread over 34 provinces Indonesia. analytical method used logistic regression det...

Die benutzerzentrierte Qualitätssicherung, die mit dem weit verbreiteten TCO-Zertifikat zu einem de facto Standard für die Qualitätssicherung von Büroprodukten führte, wird in Schweden seit 1998 unter dem Namen „UsersAward“ auch für Software-Produkte angewendet. „UsersAward“ verfolgt dabei einen ganzheitlichen Prozessansatz, bei dem die Nutzerzufriedenheit mit Software in den sechs Bereichen Ge...

Loan fraud is a critical factor in the insolvency of financial institutions, so companies make an effort to reduce the loss from fraud by building a model for proactive fraud prediction. However, there are still two critical problems to be resolved for the fraud detection: (1) the lack of cost sensitivity between type I error and type II error in most prediction models, and (2) highly skewed di...

The retail industry is being revolutionized by the movement in consumer perception of shopping exemplified by “Shopping is Theater”. Increasingly, consumers are expecting shopping to be a highly interactive and rewarding experience. This has been driving the need for reduced time to market of newer retailing ideas, and the use of advances in hardware and software technologies to create a richer...

Investments in cost reductions are critical for the long run success of companies that operate in dynamic and stochastic market environments. This paper studies optimal investment in cost reductions as a real option under the assumption that a single firm faces two different sources of risk, stochastic demand and input prices. We derive optimal investment strategies for a monopoly as well as a ...

A partial occlusion of one or more of the coronary arteries due to atherosclerosis leads to an insufficient supply of blood to the myocardium and as a result to the reduction of its functioning (myocardial ischemia). A total occlusion blocks the blood supply completely, which generally leads to starvation of myocardial tissue (myocardial infarction). Magnetic resonance imaging (MRI) has proven ...

We estimate implied cost of equity capital (re) for a sample of firms from 1984 to 1998 using the Ohlson and Juettner (2000) model that does not make restrictive assumptions about clean surplus and payout policies. We find that re is strongly positively associated with conventional risk factors such as earnings variability, systematic and unsystematic return volatility, and leverage, and is neg...

The purposeof this studywas to Analyzing factors that effecting on rangeland degradation. Statistical population of this research consisted of whole farmer in Pirtaj district (N= 1600); from that 120 farmer were selected as sample using cluster sampling. The main tool to collect data was a researcher made questionnaire that Content validity of the questionnaire was approved, by a panel of exper...