<em>Return on Assets in the Employee Cooperative of Republic Indonesia, Kepanjen District, Malang Regency 2017-2020. To achieve this goal, study uses descriptive analysis with a quantitative approach. Collecting research data at Department Cooperatives and Micro, Small Medium Enterprises district. While object is financial statements Indonesian for year The results indicate that Total Ass...

for banks and financial institutions, credit risk had been an essential factor that needed to be managed well. credit risk was the possibility that a borrower of counter party would fail to meet its obligations in accordance with agreed terms. credit risk; therefore arise from the bank’s dealings with or lending to corporate, individuals, and other banks or financial institutions.  credit risk...

Frost protection or protecting plants from cold temperatures where they could be damaged must be a consideration in vineyard planning. Cold protection events commonly occur during “radiation” frost conditions when the sky is clear, there is little wind and strong temperature inversions can develop. These conditions can happen during spring, fall or winter when it is necessary to keep canes, bud...

During recession, many macroeconomic variables display higher levels of volatility. We show how introducing an AR(1)-ARCH(1) driving process into the canonical Lucas consumption CAPM framework can account for the empirically observed greater volatilty of asset returns during recessions. In particular, agents' joint forecasting of levels and time-varying second moments transforms symmetric-volat...

A Serious Game (SG) system for the assessment of the potential of the multi-vehicle surveillance is presented. The SG system is applied to the problem of protection of strategic assets from underwater asymmetric threats. The SG platform integrates the active sonar performance evaluator able to estimate the real performance on the basis of the environmental conditions. The final goal is to provi...

Digitalization has transformed industries and societies in profound manner. Some changes have been documented as increased productivity and reduced costs of communications and information processing, to name a few. However, new technologies are not always fully embraced by organizations. This paper delves into barriers and facilitators surrounding adoption of digital technologies. The study was...

In the paper, we use three years of monthly data to compute loadings on the labor market tightness factor. We now evaluate robustness of our results to different beta estimation horizons. In Table IA.I, we estimate betas using 24, 48, or 60 months of data and otherwise do not modify our empirical methods. For all considered horizons, the differences in future performance of portfolios with low ...

A great deal of work has been done to try and quantify the costs of digital curation and much of it has focused on assigning a cost value, either to various parts of the lifecycle of digital objects or to stages in the curation workflow. These models tend to assume that an organisational capability to curate is a given and have not tended to factor in the economic considerations associated with...

This paper presents a test of multi-period asset pricing models using quarterly Philippine data. Using a consumption-based asset-pricing model, the study finds the rate of time preference to be 5.20 percent (on an annual basis). The estimated risk aversion coefficient of 0.043 seems to be on the low side when compared with estimates for other countries. Hansen's J-test finds favorable evidence ...