background: marital adjustment is one of the most extensive concepts to determine and show the happiness and stability rate of couples’ relationship. marital adjustment affects on different dimensions of individuals’ personal and social life. the purpose of this research is to study the effect of solution- focused short-term couple therapy on women’s marital adjustment increase in qom in 2012. ...

abstract background: we aimed to evaluate an approach to induced abortions during early pregnancies that controls the suction pressure and restricts the duration of the procedure. methods: three hundred patients programmed for induced early pregnancy abortions, hospitalized in the shandong provincial maternity & child care hospital from october 2013 to october 2015, were enrolled. patients were...

The national savings and credit to private sector played important role in economic growth and development of Pakistan. The impact of savings and credit to private sector on economic growth in Pakistan was evaluated in the present study. The time series data for the period of 1973 to 2007 was used to evaluate the impact of savings and credit on economic growth. The data was obtained from variou...

ôbjective: this study has been conducted to investigate the efficacy of short-term dynamic psychotherapy on love trauma syndrome (lts) in female students. lts includes a constellation of intensive signs and symptoms which appear following the breakdown of a romantic relationship after a long time. ït interrupts person's function in many areas (academic, social or professional) and leads to...

background and aim: today, bilingualism is a developing phenomenon which half of the world population is bilingual. auditory system is the main route to language learning, so it is expected that bilingualism has an effect on functions of the auditory system. auditory memory is one of the auditory processes which is a cornerstone of linguistic skills and learning process growth, so that, it has ...

An analysis of the Japanese credit market in 2004 between banks and quoted firms is done in this paper using the tools of the networks theory. It can be pointed out that: (i) a backbone of the credit channel emerges, where some links play a crucial role; (ii) big banks privilege long-term contracts; the “minimal spanning trees” (iii) disclose a highly hierarchical backbone, where the central po...

This paper develops a structured dynamic factor model for the spreads between London Interbank O¤ered Rate (LIBOR) and overnight index swap (OIS) rates for a panel of banks. Our model involves latent factors which re‡ect liquidity and credit risk. Our empirical results show that surges in the short term LIBOR-OIS spreads during the 2007-2009 …nancial crisis were largely driven by liquidity risk...

Until 1994, the financial system in Brazil was almost entirely geared towards maximizing float income, which answered for close to half of the overall earnings of commercial banks. That required banks to be efficient, above all, in processing transactions, such as the payment of bills and checks. Credit granting activities were, as a consequence, of much less importance, since very little credi...

This paper exploits a natural experiment to document adverse selection among prime consumer credit borrowers in the US. In our setting, some borrowers are offered only a short term loan while an observationally equivalent set of borrowers is offered the same short term loan as well as an additional long maturity option. We isolate adverse selection from the causal effect of maturity on repaymen...