What does Google say about credit developments in Brazil?

2021 ◽  
Vol 0 (0) ◽  
Author(s):  
Alberto Ronchi Neto ◽  
Osvaldo Candido
Keyword(s):  
General Type ◽  
Supply And Demand ◽  
Credit Market ◽  
Short Term ◽  
Search Terms ◽  
Nonlinear Features ◽  
Credit Demand ◽  
Google Search ◽  
Threshold Point ◽  
Over Time

Abstract In this paper multivariate State Space (SS) models are used to evaluate and forecast household loans in Brazil, taking into account two Google search terms in order to identify credit demand: financiamento (type of loan used to finance goods) and empréstimo (a more general type of loan). Our framework is coupled with nonlinear features, such as Markov-switching and threshold point. We explore these nonlinearities to build identification strategies to disentangle the supply and demand forces which drive the credit market to equilibrium over time. We also show that the underlying nonlinearities significantly improves the performance of SS models on forecasting the household loans in Brazil, particularly in short-term horizons.

The Short-Term and Long-Term Impacts of Sarbanes-Oxley Act on Composition and Characteristics of Corporate Board of Directors

2015 ◽  
Vol 5 (4) ◽  
Author(s):  
Halil Kaya ◽  
Gaurango Banerjee
Keyword(s):  
Board Composition ◽  
Corporate Boards ◽  
Corporate Accountability ◽  
Corporate Board ◽  
Short Term ◽  
Dual Roles ◽  
Board Characteristics ◽  
Sarbanes Oxley ◽  
Over Time

The paper examines the Sarbanes-Oxley (2002) Acts immediate impact on board composition and characteristics as well as possible reversals in its impact over time. Effects on directors age and tenure are analyzed over the 2001-06 sample period. Female participation in corporate boards is also studied in the pre-SOX and post-SOX periods. The dual roles of directors in being a member of the board as well as serving as either CEO, CFO, Chairman, Co-Chair, Founder, or Lead Director of their respective companies is also examined. We observe a short-term impact of SOX on board compositions due to changes seen in board characteristics between 2001 (pre-SOX), and 2003-05 short-term period (post-SOX). Also, we observe a reversal of board characteristics in 2006 to pre-SOX levels implying that the effects of SOX on board composition were short-lived, and needs to be monitored over time to ensure adherence to corporate accountability guidelines over the long-term.

scholarly journals Personality dynamics at work: The effects of form, time, and context of variability

2021 ◽  
pp. 089020702110173
Author(s):  
Nadin Beckmann ◽  
Damian P Birney ◽  
Amirali Minbashian ◽  
Jens F Beckmann
Keyword(s):  
Individual Differences ◽  
Cognitive Ability ◽  
Temporal Stability ◽  
Limited Evidence ◽  
Short Term ◽  
State Data ◽  
The Status ◽  
Over Time ◽  
Trait Variability

The study aimed to investigate the status of within-person state variability in neuroticism and conscientiousness as individual differences constructs by exploring their (a) temporal stability, (b) cross-context consistency, (c) empirical links to selected antecedents, and (d) empirical links to longer term trait variability. Employing a sample of professionals ( N = 346) from Australian organisations, personality state data together with situation appraisals were collected using experience sampling methodology in field and repeatedly in lab-like settings. Data on personality traits, cognitive ability, and motivational mindsets were collected at baseline and after two years. Contingent (situation contingencies) and non-contingent (relative SD) state variability indices were relatively stable over time and across contexts. Only a small number of predictive effects of state variability were observed, and these differed across contexts. Cognitive ability appeared to be associated with state variability under lab-like conditions. There was limited evidence of links between short-term state and long-term trait variability, except for a small effect for neuroticism. Some evidence of positive manifold was found for non-contingent variability. Systematic efforts are required to further elucidate the complex pattern of results regarding the antecedents, correlates and outcomes of individual differences in state variability.

scholarly journals Is there an imbalance in the supply and demand for universal accessibility knowledge? Twenty years of UAIS papers viewed through the lens of WCAG

2021 ◽  
Author(s):  
Frode Eika Sandnes
Keyword(s):  
Latin America ◽  
North America ◽  
Supply And Demand ◽  
Research Focus ◽  
Universal Accessibility ◽  
Geographical Regions ◽  
Research Profile ◽  
The Impact ◽  
Over Time

AbstractPurpose: Some universal accessibility practitioners have voiced that they experience a mismatch in the research focus and the need for knowledge within specialized problem domains. This study thus set out to identify the balance of research into the main areas of accessibility, the impact of this research, and how the research profile varies over time and across geographical regions. Method: All UAIS papers indexed in Scopus were analysed using bibliometric methods. The WCAG taxonomy of accessibility was used for the analysis, namely perceivable, operable, and understandable. Results: The results confirm the expectation that research into visual impairment has received more attention than papers addressing operable and understandable. Although papers focussing on understandable made up the smallest group, papers in this group attracted more citations. Funded research attracted fewer citations than research without funding. The breakdown of research efforts appears consistent over time and across different geographical regions. Researchers in Europe and North America have been active throughout the last two decades, while Southeast Asia, Latin America, and Middle East became active in during the last five years. There is also seemingly a growing trend of out-of-scope papers. Conclusions: Based on the findings, several recommendations are proposed to the UAIS editorial board.

scholarly journals Leaching Rate of Polychlorinated Biphenyls (PCBs) from Marine Paint Chips

2021 ◽  
Author(s):  
Allen D. Uhler ◽  
Jeffery H. Hardenstine ◽  
Deborah A. Edwards ◽  
Guilherme R. Lotufo
Keyword(s):  
Polychlorinated Biphenyls ◽  
Surface Waters ◽  
Leaching Rate ◽  
Short Term ◽  
Aroclor 1254 ◽  
Maintenance And Repair ◽  
Potential Source ◽  
Vessel Bottom ◽  
Dissolved Phase ◽  
Over Time

AbstractPolychlorinated biphenyls (PCBs) were added to certain marine vessel bottom paints as a plasticizer to improve the adhesion and durability of the paint. The most common PCB formulation used to amend such paints was Aroclor 1254. Fugitive Aroclor-containing paint chips generated from vessel maintenance and repair operations represent a potential source of PCB contamination to sediments. Limited published studies indicate that Aroclor-containing paint is largely inert and exhibits low PCB leaching into water; however, the rate and degree of leaching of PCBs from paint chips have not been directly studied. This laboratory-based study evaluated the rate and extent of leaching of PCBs from paint chips into freshwater. The results of this investigation demonstrate that the rate of PCB dissolution from paint chips decreased rapidly and exponentially over time. Based on this study, it is estimated that the rate of leaching of PCBs from paint chips would cease after approximately 3 years of exposure to water. When all leachable PCBs were exhausted, it is estimated that less than 1% of the mass of PCBs in the paint chips was amenable to dissolution. The results of this experiment suggest that Aroclor-containing paint chips found in sediments are likely short-term sources of dissolved-phase PCB to pore or surface waters and that the majority of the PCBs in paint chips remain in the paint matrix and unavailable for partitioning into water. Graphic Abstract

scholarly journals Investigating the Broken-Heart Effect: a Model for Short-Term Dependence between the Remaining Lifetimes of Joint Lives

2012 ◽  
Vol 7 (2) ◽  
pp. 236-257 ◽  
Author(s):  
Jaap Spreeuw ◽  
Iqbal Owadally
Keyword(s):  
Mortality Rates ◽  
Short Term ◽  
Numerical Work ◽  
Data Set ◽  
Multiple State ◽  
Multiple State Model ◽  
Insurance Data ◽  
Over Time ◽  
Assurance Contracts

AbstractWe analyze the mortality of couples by fitting a multiple state model to a large insurance data set. We find evidence that mortality rates increase after the death of a partner and, in addition, that this phenomenon diminishes over time. This is popularly known as a “broken-heart” effect and we find that it affects widowers more than widows. Remaining lifetimes of joint lives therefore exhibit short-term dependence. We carry out numerical work involving the pricing and valuation of typical contingent assurance contracts and of a joint life and survivor annuity. If insurers ignore dependence, or mis-specify it as long-term dependence, then significant mis-pricing and inappropriate provisioning can result. Detailed numerical results are presented.

Comparability and Short-Term Stability of Techniques to Assess Extension of Thinking about One's Personal Future

1983 ◽  
Vol 56 (2) ◽  
pp. 559-564 ◽  
Author(s):  
William Rakowski ◽  
Clifton E. Barber ◽  
Wayne C. Seelbach
Keyword(s):  
Data Collection ◽  
Life Events ◽  
Short Term ◽  
Life Event ◽  
Term Stability ◽  
The Future ◽  
Changes Over Time ◽  
Over Time

Three techniques for assessing extension of one's personal future (line-marking, open-ended report, life-events) were compared in a sample of 74 respondents. Two points of data collection were employed to examine short-term stability. At both administrations, correlations among indices suggested that techniques were only moderately comparable. Short-term stabilities were variable; correlations ranged from .42 to .79. Across subgroups of the sample, the direct, open-ended report of extension showed the greatest stability, while life-event extension showed the least. Apparently, extension of thinking about the future should be assessed by more than one technique to investigate potential relationships with other variables or changes over time in perspective about the future.

The Lived Experience of Financialization at the UK Financial Fringe

2021 ◽  
pp. 1-22
Author(s):  
LINDSEY APPLEYARD ◽  
CARL PACKMAN ◽  
JORDON LAZELL ◽  
HUSSAN ASLAM
Keyword(s):  
Lived Experience ◽  
Financial Services ◽  
Global Financial Crisis ◽  
Credit Market ◽  
Short Term ◽  
Dramatic Decline ◽  
The Everyday ◽  
The Subject ◽  
The Uk ◽  
The Impact

Abstract The financialization of everyday life has received considerable attention since the 2008 global financial crisis. Financialization is thought to have created active financial subjects through the ability to participate in mainstream financial services. While the lived experience of these mainstream financial subjects has been the subject of close scrutiny, the experiences of financial subjects at the financial fringe have been rarely considered. In the UK, for example, the introduction of High-Cost, Short-Term Credit [HCSTC] or payday loan regulation was designed to protect vulnerable people from accessing unaffordable credit. Exploring the impact of HCSTC regulation is important due to the dramatic decline of the high-cost credit market which helped meet essential needs in an era of austerity. As such, the paper examines the impact of the HCSTC regulation on sixty-four financially marginalized individuals in the UK that are unable to access payday loans. First, we identify the range of socioeconomic strategies that individuals employ to manage their finances to create a typology of financial subjectivity at the financial fringe. Second, we demonstrate how the temporal and precarious nature of financial inclusion at the financial fringe adds nuance to existing debates of the everyday lived experience of financialization.

scholarly journals Short-Term Forecasting of Electricity Supply and Demand by Using the Wavelet-PSO-NNs-SO Technique for Searching in Big Data of Iran’s Electricity Market

Data ◽  
2018 ◽  
Vol 3 (4) ◽  
pp. 43 ◽  
Author(s):  
Mesbaholdin Salami ◽  
Farzad Movahedi Sobhani ◽  
Mohammad Ghazizadeh
Keyword(s):  
Neural Networks ◽  
Electricity Market ◽  
Simulation Optimization ◽  
Supply And Demand ◽  
Electricity Supply ◽  
Wavelet Neural Networks ◽  
Short Term ◽  
Swarm Optimization ◽  
Forecasting Accuracy ◽  
Short Term Forecasting

The databases of Iran’s electricity market have been storing large sizes of data. Retail buyers and retailers will operate in Iran’s electricity market in the foreseeable future when smart grids are implemented thoroughly across Iran. As a result, there will be very much larger data of the electricity market in the future than ever before. If certain methods are devised to perform quick search in such large sizes of stored data, it will be possible to improve the forecasting accuracy of important variables in Iran’s electricity market. In this paper, available methods were employed to develop a new technique of Wavelet-Neural Networks-Particle Swarm Optimization-Simulation-Optimization (WT-NNPSO-SO) with the purpose of searching in Big Data stored in the electricity market and improving the accuracy of short-term forecasting of electricity supply and demand. The electricity market data exploration approach was based on the simulation-optimization algorithms. It was combined with the Wavelet-Neural Networks-Particle Swarm Optimization (Wavelet-NNPSO) method to improve the forecasting accuracy with the assumption Length of Training Data (LOTD) increased. In comparison with previous techniques, the runtime of the proposed technique was improved in larger sizes of data due to the use of metaheuristic algorithms. The findings were dealt with in the Results section.

scholarly journals Infodemiology of systemic lupus erythematous using Google Trends

Lupus ◽  
2017 ◽  
Vol 26 (8) ◽  
pp. 886-889 ◽  
Author(s):  
M Radin ◽  
S Sciascia
Keyword(s):  
Big Data ◽  
Northern Hemisphere ◽  
Lupus Erythematosus ◽  
Kendall Test ◽  
Google Trends ◽  
Data Monitoring ◽  
Search Term ◽  
Systemic Lupus ◽  
Search Terms ◽  
Google Search

Objective People affected by chronic rheumatic conditions, such as systemic lupus erythematosus (SLE), frequently rely on the Internet and search engines to look for terms related to their disease and its possible causes, symptoms and treatments. ‘Infodemiology’ and ‘infoveillance’ are two recent terms created to describe a new developing approach for public health, based on Big Data monitoring and data mining. In this study, we aim to investigate trends of Internet research linked to SLE and symptoms associated with the disease, applying a Big Data monitoring approach. Methods We analysed the large amount of data generated by Google Trends, considering ‘lupus’, ‘relapse’ and ‘fatigue’ in a 10-year web-based research. Google Trends automatically normalized data for the overall number of searches, and presented them as relative search volumes, in order to compare variations of different search terms across regions and periods. The Menn–Kendall test was used to evaluate the overall seasonal trend of each search term and possible correlation between search terms. Results We observed a seasonality for Google search volumes for lupus-related terms. In the Northern hemisphere, relative search volumes for ‘lupus’ were correlated with ‘relapse’ (τ = 0.85; p = 0.019) and with fatigue (τ = 0.82; p = 0.003), whereas in the Southern hemisphere we observed a significant correlation between ‘fatigue’ and ‘relapse’ (τ = 0.85; p = 0.018). Similarly, a significant correlation between ‘fatigue’ and ‘relapse’ (τ = 0.70; p < 0.001) was seen also in the Northern hemisphere. Conclusion Despite the intrinsic limitations of this approach, Internet-acquired data might represent a real-time surveillance tool and an alert for healthcare systems in order to plan the most appropriate resources in specific moments with higher disease burden.

Sign in / Sign up

Export Citation Format

Share Document