Financial Innovations: An Alternative Explanation to the Great Moderation

2007 ◽  
Author(s):  
Pablo Guerron-Quintana
Keyword(s):  
Alternative Explanation ◽  
Great Moderation ◽  
Financial Innovations

Association of pituitary adenoma with neuronal christoma: A TEM study

1994 ◽  
Vol 52 ◽  
pp. 232-233
Author(s):  
Eva Horvath ◽  
Kalman Kovacs ◽  
B. W. Scheithauer ◽  
R. V. Lloyd ◽  
H. S. Smyth
Keyword(s):  
Growth Hormone ◽  
Pituitary Adenoma ◽  
Pituitary Tumor ◽  
Nervous Tissue ◽  
Alternative Explanation ◽  
Growth Hormone Releasing Hormone ◽  
Cell Hyperplasia ◽  
Releasing Hormone ◽  
Secretory Neurons

The association of a pituitary adenoma with nervous tissue consisting of neuron-like cells and neuropil is a rare abnormality. In the majority of cases, the pituitary tumor is a chromophobic adenoma, accompanied by acromegaly. Histology reveals widely variable proportions of endocrine and nervous tissue in alternating or intermingled patterns. The lesion is perceived as a composite one consisting of two histogenetically distinct parts. It has been suggested that the neuronal component, morphologically similar to secretory neurons of the hypothalamus, may initiate adenoma formation by releasing stimulatory substances. Immunoreactivity for growth hormone releasing hormone (GRH) in the neuronal component of some cases supported this view, whereas other findings such as consistent lack of growth hormone (GH) cell hyperplasia in the lesions called for alternative explanation.Fifteen tumors consisting of a pituitary adenoma and a neuronal component have been collected over a 20 yr. period. Acromegaly was present in 11 patients, was equivocal in one, and absent in 3.

Attitude Accessibility as an Alternative Explanation for How Inoculation Confers Resistance

2003 ◽  
Vol 70 (1) ◽  
pp. 1-1 ◽  
Author(s):  
Michael Pfau ◽  
David Roskos-Ewoldsen ◽  
Michelle Wood ◽  
Suya Yin ◽  
Jaeho Cho ◽  
...  
Keyword(s):  
Alternative Explanation ◽  
Attitude Accessibility

Does the Name-Race Implicit Association Test Measure Racial Prejudice?

2011 ◽  
Vol 58 (4) ◽  
pp. 271-277 ◽  
Author(s):  
Don van Ravenzwaaij ◽  
Han L. J. van der Maas ◽  
Eric-Jan Wagenmakers
Keyword(s):  
Diffusion Model ◽  
Implicit Association Test ◽  
Alternative Explanation ◽  
Group Membership ◽  
Racial Prejudice ◽  
Decision Time ◽  
Association Test ◽  
Implicit Association ◽  
Model Decomposition ◽  
Test Measure

Research using the Implicit Association Test (IAT) has shown that names labeled as Caucasian elicit more positive associations than names labeled as non-Caucasian. One interpretation of this result is that the IAT measures latent racial prejudice. An alternative explanation is that the result is due to differences in in-group/out-group membership. In this study, we conducted three different IATs: one with same-race Dutch names versus racially charged Moroccan names; one with same-race Dutch names versus racially neutral Finnish names; and one with Moroccan names versus Finnish names. Results showed equivalent effects for the Dutch-Moroccan and Dutch-Finnish IATs, but no effect for the Finnish-Moroccan IAT. This suggests that the name-race IAT-effect is not due to racial prejudice. A diffusion model decomposition indicated that the IAT-effects were caused by changes in speed of information accumulation, response conservativeness, and non-decision time.

Unconscious recognition in prosopagnosia: An alternative explanation

1991 ◽  
Author(s):  
Martha J . Farah ◽  
Randall C. O'Reilly ◽  
Shaun P. Vecera
Keyword(s):  
Alternative Explanation

An Alternative Explanation for the Shape of 'Log-Spiral' Bays

2007 ◽  
Author(s):  
Ryan Littlewood ◽  
A. Brad Murray ◽  
Andrew D. Ashton
Keyword(s):  
Alternative Explanation

Effects of Financial Innovations on Profitability for Deposit Taking Microfinancing Institutions in Kenya

2018 ◽  
Vol 9 (6) ◽  
pp. 529-536
Author(s):  
Martin Khoya Odipo ◽  
Keyword(s):  
Financial Institutions ◽  
Positive Relationship ◽  
Financial Institution ◽  
Secondary Data ◽  
Financial Statements ◽  
Descriptive Statistics ◽  
Primary Data ◽  
Microfinance Institutions ◽  
Financial Innovations ◽  
Strong Positive Relationship

Recent studies have documented that innovations improve profitability of firms. This article documents that deposit taking micro financial institutions that have adopted financial innovations have increased their profitability. The study covered five years between 2009-2013. Both primary and secondary data were used in the study. Primary data was obtained through administration of drop and pick questionnaires to selected employees of the institutions. Secondary data was obtained from financial statements and management reports of these deposit taking microfinance institutions. Data was analyzed using descriptive statistics, return on asset and multi-liner regression model to determine the effect of each financial innovation applied on profitability on the micro-financial institution. The results showed that most deposit taking microfinance institutions adopted these financial innovations in their current operations. There was strong positive relationship between individual innovations and profitability. In line with profitability ROA also showed improvement each year after the adoption of these financial innovations.

Financial Innovations and Performance of Commercial Banks in Kenya

2020 ◽  
Vol 2 (2) ◽  
pp. 21-33
Author(s):  
Naomi Wanja Ireri ◽  
Gladys Kimutai
Keyword(s):  
Rural Areas ◽  
Commercial Banks ◽  
Internet Banking ◽  
Ease Of Use ◽  
Primary Data ◽  
The Internet ◽  
Mobile Banking ◽  
Good Opportunity ◽  
Financial Innovations ◽  
Automated Teller Machine

Commercial banks in Kenya have embraced alternative banking channels which represent a shift in delivery of banking and financial services since the alternative banking have become synonymous with commercial banks in Kenya. While banks have succeeded in leveraging available technology and provide alternative avenues to customers for banking services, the challenge it faces today is optimizing the usage of these channels so as to improve on their performance. The general objective of this study was to investigate the effects of financial innovations on the performance of commercial banks in Kenya. The specific objectives of the study were to examine the influence of internet banking, mobile banking, agency banking and ATM banking on the performance of commercial banks in Kenya. The study was guided by agency theory, balanced score card and diffusion of innovation theory. This study employed a descriptive research design. The study targeted44 commercial banks in Kenya as at 2017. The 16 banks which embrace all the four financial innovations from 2013 to 2017were selected using purposive sampling method. The sample size was 80 respondents who comprised of 5 senior management employees in each of the selected banks.This study used questionnaire to collect primary data from the respondents. Content analysis technique was used to analyze qualitative data collected from open ended questions in and reported in narrative form. Descriptive statistics such as mean and standard deviation were used to analyse the quantitative data. Multiple regression analysis was used to show the relationship between independent variables against dependent variable. The study revealed that internet banking, mobile banking, agency banking and ATM banking had a positive and significant effect on the performance of commercial banks. Thisstudy concludes that the banking industry has benefited tremendously from the development of the Internet. The Internet fundamentally changed the way in which banking networks are designed to meet the client demands and expectations. Mobile banking provides a good opportunity to commercial banks in Kenya to reach many mobile phone subscribers in Kenya who had remained unbanked and unreached due to limited access to bank branch networks in the country. The access to the large masses through mobile banking of the population gives banks the opportunity to grow by reaching the unbanked population. Agency banking has led to accessibility of financial service to many customer in remote areas and hence an increase in effectiveness and efficiency in service delivery. Customers are satisfied with the automated teller machine services because of ease of use, transaction cost and service security but not satisfy with automated teller machine dispense of cash. The study recommends that the public and businesses must be encouraged to use Internet banking in their daily activities, including deposits, payments and money transfers. Commercial banks in Kenya should ensure convenience and security of mobile banking through written guidelines on convenience and security of mobile banking. Commercial banks in Kenya should increase the number of agents in estates and in the rural areas. This can be done by reducing the requirements of becoming a bank agent. The banks should employ customized software that records relevant information on automated teller machine cards so that banks can establish whether unauthorized transaction has taken place or not.

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