Using data on municipal bonds issued in California and New York between 1996 and 2014, this paper documents a decline in the benefit of municipal bond insurance, explores its underlying determinants, and quantifies its aggregate effect. First, we find that the insurance benefit declined remarkably from approximately 5.1% of the overall deal value between 1996 and 2001 to 0.5% by 2011-2014. Seco...

Aim:The study investigated the relationship between accessibility, relevance, expected benefits, and usage of Islamic financial services among Zanzibar residents. Method:This was based on a quantitative approach. A multistage sampling process used to obtain questionnaire responses across all five regions Zanzibar. total 400 questionnaires were for analysis. Findings:The results indicate signifi...

Joining up services in e-Government usually implies governmental agencies acting in concert without a central control regime. This requires to the sharing scattered and heterogeneous data. Semantic Web Service (SWS) technology can help to integrate, mediate and reason between these datasets. However, since a few real-world applications have been developed, it is still unclear which are the actu...

While some e-government projects fail to deliver the expected benefits due to numerous technical, organizational, institutional, and contextual factors, information technology continues to be utilized by international governments to achieve countless benefits. presents the latest findings in the area of e-government success. Written for academics and professionals, this book aims to improve the...

this study was carried out to discover: 1) whether provision of medical care and social welfare affected the size of the family among laborers. 2) compare laborers family size with that of the total population of isfahan. 3) since social security receives its premium on the basis of salary rather than the number of dependents, then what is the cost of medical care for groups of single and marri...

the projection of information and communication technology (ict) has begun to have its impact in iran. the benefits gained from ict are widely accepted and the iranian government is encouraging the country for adopting ict practices. e-learning is an important branch of ict which has attracted the attention of many people, especially those in educational and academic sectors. however, e-learnin...

It has been suggested that two distinct species exist within what was originally known as Entamoeba histolytica and E. dispar. These are Entamoeba dispar for the nonpathogenic and E. histolytica for the pathogenic fonn. Differentiation of these two organisms is of great clinical importance since they are morphologically indistinguishable and both fonns can infect the human intestinal cavity...

background: concept of e-readiness is used in many areas such as e-business, e-commerce, e-government, and e-banking. in terms of healthcare, e-readiness is a rather new concept, and is propounded under the title of e-healthcare. e-health readiness refers to the readiness of communities and healthcare institutions for the expected changes brought by programs related to information and communica...