The Number of Bank Relationships and the Cost of Borrowing: An Empirical Study

Author(s):  
Diana Bonfim ◽  
Qinglei Dai ◽  
Francesco Franco
Keyword(s):  
1994 ◽  
Vol 14 (1) ◽  
pp. 73-86 ◽  
Author(s):  
Philip L. Williams ◽  
Ross A. Williams

2002 ◽  
Vol 13 (2) ◽  
pp. 79-90 ◽  
Author(s):  
Robert H. Lowson

This paper reports on an empirical study to construct an objective and quantifiable method to assess the cost of sourcing from low wage, foreign suppliers. The work details development of a Total Acquisition Cost Model (TACM) that can be used to quantify the supply system costs associated with such sourcing strategies. In so doing, we explore the sourcing policies of a number of European and North American retailers operating in consumer goods sectors. A detailed case study demonstrates the potential inflexibility cost of offshore as opposed to onshore procurement. The research reveals how an understanding of these various metrics can be used to customize an operations strategy; reflecting the contingencies of the particular trading environment


2014 ◽  
Vol 4 (1) ◽  
pp. 223 ◽  
Author(s):  
Wilfred Nyanumba Onyancha ◽  
Charles Munene Elijah ◽  
Willy Muturi

Despite the fact that the Kenyan government had made efforts, achievements and remarkable developments in the Ministry of Internal Security for its success, the performance of the workforce was still poor and this could be due to poor remuneration of employees, whereby the salary scale had remained constant for a long time despite of the increasing cost of living in the country. And this had also demoralized the employees leading to poor performance in the Ministry which in the end could result into loss of the credibility of the government. When the cost-of-living rose, there was enormous pressure on employers to raise wages and salaries by the rate of inflation. The problem therefore was how to improve productivity of employees by providing the pay which could enable them to cope up with their purchasing power. It was therefore important for the organization to consider the salary system as a mechanism by which an organization could plan how to attract, retain, reward and motivate its salaried employees in order to enhance good performance in the Ministry. The human resource factor (particularly remuneration) lied at the very heart of the reform program. Subsequently, the need arose to undertake an empirical study to determine the effect of remuneration on employees’ performance at the Ministry of Internal Security.


2021 ◽  
Vol 14 (2) ◽  
pp. 87
Author(s):  
Hussain Mohammad Abu-Dalbouh ◽  
Fahad Almansour ◽  
Nehal Aldowighri

In recent decades, massive improvements in graphic sophistication have begun to produce declining returns. The creative focus in game development has shifted to artificial intelligence. The queens’ task game is part of a sequence of popular games. It is the challenge of putting n chess queens on a game board such that no two queens are threatening each other. The plan does not involve two queens sharing the same row, column or diagonal. Each column contains exactly one queen, each row contains exactly one queen, and each diagonal contains exactly one queen. For every level in the game, there are many ways to solve it. For example, there are 92 solutions to the 8×8 problem. There are many levels in the literature, but each level should be downloaded separately. Thus, it causes a lot of difficulties for players, and they should download each level to complete the challenge. This will lead to more time and effort being spent by the players, and the cost of each level will cost the players more and more. As a result, the number of players who want to play this game will decrease. The aim of this paper is to incorporate a number of levels in order to save time, money and effort by downloading each level separately. This paper also aims to develop the proposed prototype and display all the solutions while playing a puzzle game at any level. The proposed game was tested by a questionnaire-based empirical study. Descriptive statistics on the questions revealed that the players had achieved the objectives of the game by applying their skills and knowledge and that the players had positive emotions about the effectiveness of the proposed game.


2020 ◽  
Vol 15 (4) ◽  
Author(s):  
S.M. Astakhov ◽  
◽  
A.M. Astakhov ◽  

Based on the empirical study conducted in the first part of this article, a description of the problems hindering the development of small and junior business in Russia is described; the steps to move this process off the ground are given. The following mechanisms are proposed: a multiple reduction in the cost of exploratory drilling; regulation of the circulation of geological information to create a market for multi-client geophysical and geochemical services; active involvement of small businesses in exploration by regular licensing rounds. The mechanisms are embedded in the system with the creation of pilot sites that are geographically and geologically fixed in the zones of the petroleum bearing areas with developed infrastructure and with well-known geological conditions for well drilling.


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