We investigate whether information sharing among banks has affected credit market performance in the transition countries of Eastern Europe and the former Soviet Union, using a large sample of firm-level data. Our estimates show that information sharing is associated with improved availability and lower cost of credit to firms. This correlation is stronger for opaque firms than transparent firm...

Caucasian wingnut (Pterocarya fraxinifolia (Poiret) Spach) is a relict tree species having limited natural distribution in Turkey. In this study, a new distribution of this species in the Kahramanmaras region was explained. This distribution occurs in Onsenhopuru and Yavuzlar villages and Yesilyore town of Turkoglu district, at elevations between 600 and 640 m along Orcan stream, and continues ...

Noise pollution is one of the prominent environmental problems affecting human health especially in developing countries. The impacts of noise on health should not be underestimated. Exposure to acoustical stimuli impairs not only the function of auditory system but also that of many other systems of human body. Previous investigations revealed that noise exposure could result in sleep disturba...

Organotin compound that have at least one Sn-C bond have wide commercial applications as PVC stabilizer, antifouling agent in paint and as agrochemicals. The general formula for organotin compounds is R4SnX4 - n where R is normally alkyl or aryl groups and X=Cl-, OH-, CH3COO- . If n=3, the compound has the highest toxicity, for example Et3SnOAC has LD 50 4mg/Kg ( rats ) and this is the m...

many studies on cold environments have been developed over the past two decades. highmountain freshwater presents high variability of nutrients and chemico-physical parameters, showing variations of ph, oxygen concentration, metals and temperature throughout the year. national park of sierra nevada (granada, spain) (37°032 n 03°182 w), has almost 40 lakes that are reported to be both endemic an...

background : if an institute is looking for improvement of its learning environment, a reliable and valid assessment tool is needed for measurement of the educational environment .the dundee ready educational environment measure (dreem) has been used in various studies to evaluate the educational environment. however, psychometric evaluations of the instrument seem necessary, for all known vers...

studies have determined that the application of technical safety measures is not adequate to protect human, economic and environmental assets in industries. therefore, promoting health, safety and environment (hse culture), as an alternative approach, is of great importance. the aim of this study was to evaluate and manage hse culture among employees of an industrial sector in iran. this descri...