A study on loan approval and non‐performing asset—Segment identification

Nonperforming assets (NPAs) are a huge challenge infront of the Indian economy. Accumulating NPA is forming a burden and obstacle for economic growth. Financial institutions are struggling with nonperforming loans, and their efficiency is getting tremendously impacted. The aims of this study are to find out the critical factors for granting mortgage loan and to develop a formula that can help financial institutions in identifying and differentiating a possible loan defaulter from a non‐defaulter. The formula developed and the identification of defaulters could help in reducing NPA of financial institutions. Managers and loan approvers can use this model to grant loans to verified borrowers and can also keep an eye on their existing customers.     

The long‐term effects on children and adolescents of a policy providing work supports for low‐income parents

New Hope, an employment‐based poverty‐reduction intervention for adults evaluated in a random‐assignment experimental design, had positive impacts on children's achievement and social behavior two and five years after random assignment. The question addressed in this paper was the following: Did the positive effects of New Hope on younger children diminish or even reverse when children reached the challenges of adolescence (eight years after random assignment)? Small positive impacts on school progress, school motivation, positive social behavior, child well‐being, and parent control endured, but impacts on school achievement and problem behavior were no longer evident. The most likely reasons for lasting impacts were that New Hope families were slightly less likely to be poor, and children had spent more time in center‐based child care and structured activities. New Hope represents a model policy that could produce modest improvements in the lives of low‐income adults and children. © 2011 by the Association for Public Policy Analysis and Management.     

LEGAL USE OF MENTAL HEALTH EVALUATIONS IN CHILD PROTECTION PROCEEDINGS

The authors examine the use of mental health evaluations in legal decision making within a large, urban juvenile court system. The focus was on court files in child protection cases relating to 171 randomly selected mental health evaluations completed on parents and 44 evaluations completed on children. Parent evaluations (46.7%) were much more likely to be present in court files than child evaluations (5.9%), and evaluations conducted by in-house court clinicians (63.8%) were more often present than those conducted by noncourt clinicians (37.5%). References to evaluations in child welfare, legal, or mental health documents varied with the type of information, subject (parent or child), and source of the evaluation. Findings and/or recommendations of evaluations were cited in legal or mental health documents for approximately two thirds of parent evaluations but only one third of child evaluations. Evaluation findings and/or recommendations were stated as a basis for legal decisions in 36.2% of court-based parent evaluations, 21.0% of noncourt-based parent evaluations, and 2.3% of child evaluations. These results provide evidence of a modest impact of parent evaluations on legal decisions and notably less impact for child evaluations. The authors suggest directions for future research and practice in order to increase the accessibility and usefulness of clinical evaluations in legal decision making.     

Caricatures,cartoons, spoofs and satires: political brands as butts

• A theory of caricature is used to analyse and explain the nature of—and reactions to—a controversial political cartoon depicting Jacob Zuma, the highly publicized president of South Africa, and how the cartoon both played on and affected his political image and brand. Jacob Zuma has crafted his image as a person who has overcome insurmountable injustices to lead his nation. The cartoon directly questioned Zuma's claims of discrimination by the justice system. The cartoonist (Zapiro) was able to use the cartoon to further solidify Zuma's image as an embattled yet contentious and divisive leader. The framework that follows depicts the spoofing of a political brand, in a marketing environment in which parody and spoofing of more conventional products and services are increasingly common.

Copyright © 2009 John Wiley & Sons, Ltd.     

Emergency suicide care in France: the psychiatrist's liability as seen in case law

In France, in general emergency departments, psychiatric consultations are on the increase and suicidal behavior represents a frequent reason for consultation. Psychiatrists treat patients whose behavior may be impulsive and irrational, and whose critical judgment is impaired. In emergency units, the reception and initial assessment of the patient determines his or her future pathway through the healthcare system. By its very nature, emergency medicine deals with inherently unstable situations, which may lead to the risk of medical malpractice. The aim of this article is to provide a summary of the initial management of suicidal patients by general emergency units and to comment on the medical malpractice that may expose the practitioner to risk of liability. An analysis of case history has shown that in suicide cases, malpractice due to inadequate supervision is the most frequent ruling.     

Work participation,gender and economic development: A quantitative anatomy of the Indian scenario

This article analyses forces which influence the degree of participation of population in economic activity in a developing economy. In the first stage the relationship between economic development and work participation is examined. The core of the analysis is based on a cross‐sectional study of 306 districts of India, using a composite index of development. The entire analysis is conducted separately for males and females on the one hand, and the rural and urban segments on the other. The oft‐referred‐to inverse relationship between female work participation and economic development emerges to be true in initial stages of development in the rural segment, but not so in the case of the urban segment. In the second stage the role of key socioeconomic and demographic factors, in addition to that of development, has been investigated using a recursive multi‐equation regression model. Finally, keeping in mind the crucial role of education in this context, work participation is analysed in terms of ten disaggregated educational categories.     

Political ad portraits: a visual analysis of viewer reaction to online political spoof advertisements

• The democratization of the Internet and the growing popularity of amateur video production have given rise to historic levels of voter engagement. In recent times, the populace has turned to YouTube and other similar websites to publicly voice their opinions through the posting of, and response to, amateur political videos. Political communication and campaign managers frequently struggle to consolidate, analyse, and respond to the vast array of commentary posted on the Internet in reply to these videos. The ability to quickly consolidate and interpret viewer responses to political videos provides campaign and communications' managers the opportunity to quickly make policy, positioning, or image changes. This is especially valuable considering that viewer responses provide a potentially unbiased picture of actual voter sentiment. Using the visualization software, Leximancer, we show how conversations around online political spoof videos can be mapped, interpreted, and used as a basis for strategic brand decision‐making. We discuss the implications of our findings, outline the technique's limitations, and trace avenues for further research.

Copyright © 2010 John Wiley & Sons, Ltd.     

Environmental Justice and Information Technologies: Overcoming the Information-Access Paradox in Urban Communities

Scientific studies and resident testimony suggest that urban residents in low-income and minority communities have been subject to an unequal burden of environmental pollution and inequitable environmental enforcement practices. A key component of the equitable development and implementation of environmental policies is the participation of citizens and community-based organizations in the policy process. Such participation rests upon equitable access to agency-generated environmental information and effective use of that information by citizens. This article focuses on the adoption of Internet technologies by environmental agencies as a mechanism for disseminating information and the implications for low-income and minority residents in urban communities. A framework is developed to guide a programmatic response to overcome these implications. The results from several community-based projects are described and analyzed for their capacity-building effectiveness. Analysis of the projects indicates improvement in community capacity for information access and use, which bolstered community participation in the environmental decision-making process.