This article investigates the impact of financial liberalization on the demand for credit in Ghana. It contributes by making suggestions pertaining to questions on the effectiveness of interest rate liberalization in driving private sector demand for credit both in the short and the long‐run, as well as the speed of adjustments to equilibrium after the implementation of the financial liberalization programme. The study results indicate that interest rate has no significant impact on the demand for credit both in the short‐run and long‐run. Moreover, inflation has a negative significant effect on the demand for credit in the short‐run. The results also suggest that about 66% of disequilibrium from the preceding year is corrected in the current year. However, these findings seem to indicates that the financial market in Ghana is not fully competitive. The oligopolistic and noncompetitive financial system may be attributable to the extreme minimum capital requirement and the emerging consolidation of commercial banks through government takeovers as well as the various credit rationing practices by banks aimed at reducing the risk of adverse selection and insolvency. 相似文献
Students are regularly engaged in several things at the same time during class and school time. They are using smartphones, tablets, laptops, and using social media on these devices while learning and attending class. However, there are some situations likely influenced by this, current study tests the influence of technostress, cyberbullying, and media multitasking in the context of students in technology‐saturated classrooms and how this is affecting their academic performance. This study further explored the buffering effects of parental school support on the relationship between technostress, cyberbullying, and student's performance. By using the person‐environment fit model, this study surveyed 248 public sector school students in two waves and examined the impact of these variables on student's academic performance. Results show that technostress, cyberbullying, and media multitasking have a negative impact on student performance, and school parental support moderates the negative relationship between technostress and student performance. Implications and contributions have also been discussed. 相似文献
Pericardial defects are rare in childhood and outcome is usually benign. Patients may be asymptomatic, but chest pain, emboli, arrhythmia, and sudden death have been described in the literature. We report the case of a 12-year-old boy who suddenly died after mild exercise. A left-sided pericardial defect with a diameter of 8 cm was detected on medico-legal autopsy. 相似文献
Council officers as public managers are expected to work for the community. Yet, it has been argued that council officers working under a politicised employment relationship are likely to be more committed to the elected councillors than to the community. This proposition has been examined through a survey of senior council officers across Australia and the results are presented in this article. This study develops an analytical approach which combines for the first time the multi-focus and the multiple bases of managerial commitment approaches, applies this to the case of Australian local government managers and finds that although most senior council officers perceive that their employment is politicised they remain committed to the community. Based upon these findings, it is argued that a conceptual framework utilising a combined multi-focus and multiple bases approach is more appropriate to the study of commitment of local government managers and to managers in the public sector in general than the use of either approach alone. 相似文献
To redress the scourge of violent extremism, an array of policies, programs, and practices have been implemented. Yet, these initiatives could sometimes conflict with the preferences of individuals who may be susceptible to radicalization. To illustrate, some initiatives might challenge the values of these individuals. The degree to which these individuals feel significant or important might thus decrease—a decrease that has been shown to rouse the pursuit of violent radicalization. To prevent this complication, two studies were designed to uncover programs, policies, or practices that align to the preferences of people who may be more susceptible than average to violent radicalization. In Study 1, three individuals who had been charged with crimes related to terrorism, but had since relinquished extremism, were asked to suggest initiatives they feel could prevent violent radicalization in Australian Muslims. Similarly, in the second study, young Australian Muslim adults who rejected extremist ideologies were asked the same question. The participants advocated initiatives that foster tolerance towards diverse perspectives, inspire individuals to trust their values and intuition, encourage civic engagement, improve the credibility of imams, and enable people to derive strength from their community. A review of previous literature indicates that many of these initiatives might not only resonate with the preferences of individuals who may be vulnerable to violent extremism but could also foster a sense of significance and meaning in life—an experience that tends to prevent radicalization. 相似文献
Bilateral Investment Treaties (BITs) concluded by the EU Member States contain substantially similar clauses, including free movement of capital and investor‐to‐state dispute resolution. Article 307 EC provides for the primacy of pre‐accession treaties over the EC Treaty and simultaneously requires the Member States to eliminate their mutual incompatibilities. The European Court of Justice has declared that free movement of capital clauses of Austrian and Swedish pre‐accession extra‐EU BITs are incompatible with the EC Treaty as they will impede any restrictions on the movement of capital imposed as future Community legislation. A similar ‘free movement of capital’ clause is present in all extra‐EU BITs of the Member States, whether pre‐ or post‐accession. Article 307, however, does not apply to the post‐accession treaties which are equally capable of contriving the same consequences of impeding the application of the EC Treaty. In addition, the application of intra‐EU BITs provides investors from BIT party states access to the investor‐to‐state dispute resolution which is not available to investors from the Member States who do not have BITs with those Member States. This is discrimination and may distort the principle of equal treatment within the EU. Furthermore, the newly acceding EU States are facing extensive arbitral claims for carrying out the BIT‐EU conflicting obligations within their respective territories. 相似文献
This study aimed to analyze deaths related to tractor accidents in Eski?ehir Province and characteristics of these cases to provide data and suggestions along with the literature. The cases involved individuals died due to tractor‐related accidents were retrospectively examined between 1992 and 2016 (25‐year period). Demographic data related to the cases and crime scenes, characteristics of events, and autopsy findings were evaluated. In the 25‐year period, 61 individuals (88.5% males, average age: 48.7 years) died due to tractor accidents in Eski?ehir Province, and approximately 45.9% of these accidents most commonly involved tractor rollover. Deaths due to tractor accidents will be decreased by raising awareness among tractor drivers, preventing young individuals from driving tractors, not allowing individuals to drive without license, making mechanical and physical features of tractors suitable for agricultural activity to be performed, ensuring their safety for travel and use, and avoiding carrying passengers on tractors. 相似文献
This paper analyses the allocation of R&D investments within rare diseases and identifies the characteristics of rare diseases that appear to lead R&D resources. Rare diseases affect less than 1 in 2000 citizens. With over 7000 recognised rare diseases and 350 million people affected worldwide, rare diseases are not so rare when considered collectively. Rare diseases are generally underserved by drug development because pharmaceutical industries consider R&D investments in rare diseases too costly and risky in comparison with the low expected returns due to the small population involved. We use data on rare diseases research from Orphanet along with academic publications per rare disease from bibliographic databases. We test the existence of inequalities in R&D investments within rare diseases and identify the disease characteristics that appear to lead R&D investments using dominance tools and bilateral tests. We show that rare diseases in children and with a smaller prevalence, such as ultra-rare diseases, are underserved by R&D. R&D investments appear to be concentrated in more profitable research areas with potentially larger sample size and adult population.