The geographies of access to enterprise finance: the case of the West Midlands, UK

The geographies of access to enterprise finance: the case of the West Midlands, UK, Regional Studies. Whilst there is a long history of credit rationing to small and medium-sized enterprises (SMEs) in the UK, the financial crisis has seen banks retreat further from lending to viable SMEs due to a reassessment of risk and lack of available capital. In so doing, the credit crunch is thought to be creating new geographies of financial exclusion. This paper explores the financial inclusion of enterprise through community development finance institutions (CDFIs) which provide loan finance to firms at the commercial margins in the West Midlands, UK. The paper concludes that CDFIs could partially address the financial exclusion of enterprise as an additional, alternative source of finance to that of mainstream banks

Active Anomaly Detection for Key Item Selection in Process Auditing

Process mining allows auditors to retrieve crucial information about transactions by analysing the process data of a client. We propose an approach that supports the identification of unusual or unexpected transactions, also referred to as exceptions. These exceptions can be selected by auditors as “key items”, meaning the auditors wants to look further into the underlying documentation of the transaction. The approach encodes the traces, assigns an anomaly score to each trace, and uses the domain knowledge of auditors to update the assigned anomaly scores through active anomaly detection. The approach is evaluated with three groups of auditors over three cycles. The results of the evaluation indicate that the approach has the potential to support the decision-making process of auditors. Although auditors still need to make a manual selection of key items, they are able to better substantiate this selection. As such, our research can be seen as a step forward with respect to the usage of anomaly detection and data analysis in process auditing

Terror from behind the keyboard: conceptualising faceless detractors and guarantors of security in cyberspace

By reflecting on active public-domain government documents and statements, this article seeks to develop securitisation theory’s articulation of the dichotomy between legitimate and illegitimate violence as it is reflected in British government policy. This dichotomy has (re)developed through a process wherein GCHQ and MI5 are portrayed as ‘faceless guarantors’ of security, in Manichean juxtaposition to the discursively-created phantom cyberterrorists, who are presented as ‘faceless detractors’ of security. It has previously been stated that the terrorism discourse associated with the present ‘War on Terror’ is attributed, in part, to mechanics of fantasy. I argue that, within the securitised discourse of cyberterrorism, the limits of fantasy possesses a murky nuance, which in turn, allows for a deeper - or at least more entrenched - securitisation. The official discourse surrounding the intelligence services’ online surveillance apparatus operates with a similar opaque quality, but this is upheld by securitising actors as a strength to be maintained

Strengths-Weaknesses-Opportunities-Threats analysis of carbon footprint indicator and derived recommendations

ABSTRACT: Demand for a low carbon footprint may be a key factor in stimulating innovation, while prompting politicians to promote sustainable consumption. However, the variety of methodological approaches and techniques used to quantify life-cycle emissions prevents their successful and widespread implementation. This study aims to offer recommendations for researchers, policymakers and practitioners seeking to achieve a more consistent approach for carbon footprint analysis. This assessment is made on the basis of a comprehensive Strengths-Weaknesses-Opportunities-Threats or SWOT Analysis of the carbon footprint indicator. It is carried out bringing together the collective experience from the Carbonfeel Project following the Delphi technique principles. The results include the detailed SWOT Analysis from which specific recommendations to cope with the threats and the weaknesses are identified. In particular, results highlight the importance of the integrated approach to combine organizational and product carbon footprinting in order to achieve a more standardized and consistent approach. These recommendations can therefore serve to pave the way for the development of new, specific and highly-detailed guidelines

From Global to Local and Vice Versa: On the Importance of the 'Globalization' Agenda in Continental Groundwater Research and Policy-Making.

Groundwater is one of the most important environmental resources and its use continuously rises globally for industrial, agricultural, and drinking water supply purposes. Because of its importance, more knowledge about the volume of usable groundwater is necessary to satisfy the global demand. Due to the challenges in quantifying the volume of available global groundwater, studies which aim to assess its magnitude are limited in number. They are further restricted in scope and depth of analysis as, in most cases, they do not explain how the estimates of global groundwater resources have been obtained, what methods have been used to generate the figures and what levels of uncertainty exist. This article reviews the estimates of global groundwater resources. It finds that the level of uncertainty attached to existing numbers often exceeds 100 % and strives to establish the reasons for discrepancy. The outcome of this study outlines the need for a new agenda in water research with a more pronounced focus on groundwater. This new research agenda should aim at enhancing the quality and quantity of data provision on local and regional groundwater stocks and flows. This knowledge enhancement can serve as a basis to improve policy-making on groundwater resources globally. Research-informed policies will facilitate more effective groundwater management practices to ensure a more rapid progress of the global water sector towards the goal of sustainability

Environmental assessment schemes for non-domestic building refurbishment in the Malaysian context

The increase in global warming, energy consumption and greenhouse gas emissions has gained attention in various regions. In Malaysia, the government announced a voluntary commitment to reduce 40% of CO 2 emissions by 2020 and to refurbish 100 government buildings. Existing buildings make a large contribution to energy consumption and CO 2 emissions, therefore refurbishing existing buildings is an essential strategy to achieve the commitment. There is no single assessment scheme for building refurbishment in Malaysia and hence, this study aims to develop a comprehensive list of assessment themes and sub-themes for building refurbishment purposes. It examines and compares 10 assessment schemes from various countries: BREEAM, LEED, CASBEE, BEAM Plus, GBLS, Green Star, HQE, Green Mark, GBI and MyCrest. The findings revealed fourteen themes that were considered for assessment: management, sustainable site, transport, indoor environmental quality (IEQ), water, waste, material, energy, pollution, innovation, economic, social, culture and quality of services. Energy and IEQ are dominant themes in all assessment schemes. Most of the schemes are considered relatively weak in evaluating economic and social aspects, in comparison to environmental aspects. The assessment of quality of services is overlooked in most of the schemes, including GBI and MyCrest in Malaysia. Outcomes from this paper will form the baseline for a new environmental assessment scheme that aimed at non-domestic building refurbishments in Malaysia. A new model is proposed for the development of an environmental assessment scheme in the further stage

Regional patterns of foreign investment in Russia

SIGLEAvailable from British Library Document Supply Centre- DSC:q96/04274 / BLDSC - British Library Document Supply CentreGBUnited Kingdo

The Russian Far East

SIGLEAvailable from British Library Document Supply Centre-DSC:q96/18068 / BLDSC - British Library Document Supply CentreGBUnited Kingdo