Factors Determining the Operational Self-Sufficiency Among Microfinance Institutions

This paper is to determine factors best describing a microfinance institution’s (MFI’s) operational selfsufficiency (OSS). The OSS is  defined as the ratio of an MFI’s operating revenues to it operating expenses including the financial costs and impairment losses on  loans. The outreach of an MFI, the writeoff ratio and regional differences are found significant in determining the OSS of MFIs. Surprisingly, neither an MFI’s depositors-to-borrowers ratio nor its deposits-to-loan portfolio ratio was found to be significant to explain an MFI’s OSS. There was no significant difference in the OSS in 2006 - before the worldwide financial crisis - and in 2008

Analysis of The Financial Indices of The NAFTA Member Countries

This paper analyzes the efficient markets hypothesis for the major NAFTA financial indices. The results suggest that the simple return for all three indices is generally uncorrelated. The non-linear transformations of the simple return info its absolute and squared value behaved much differently however. Here, the statistics calculated provided considerable evidence to suggest that these transformations of the returns are predictable to a large degree. Ignoring the sign of the return helps greatly in predicting the direction of the series. Also, all of the series in this transformation, but one, had estimated fractional parameters that would indicate the presence of long memory. Thus, it could be concluded that volatility is a long run predictable process

THE EFFECT OF OXEN ON AGRICULTURAL PRODUCTIVITY AND FARM INCOME IN NICARAGUA

This study1 uses survey data to assess the effect of oxen as draft animals on agricultural productivity and farm agricultural income in Nicaragua during the year 2017. The results suggest that farms that use oxen to plow the land have higher bean productivity than farms that use stick to plant crops. On average, using oxen increases farm’s bean output by 7.75 100-pound bags, and hiring oxen increases farm’s bean output by 8.5 100-pound bags. Also, using or hiring oxen increases total farm planted area. The main finding about the effect of oxen to plow the land through farm planted area on agricultural farm gross income suggests that using oxen to plow the land increases agricultural farm gross income by 18.13 percent, and that hiring oxen increases agricultural farm gross income by 25.55 percent

Tsunami run-up heights of the 2003 Tokachi-oki earthquake

Tsunami height survey was conducted immediately after the 2003 Tokachi-oki earthquake. Results of the survey show that the largest tsunami height was 4 m to the east of Cape Erimo, around Bansei-onsen, and locally at Mabiro. The results also show that the tsunami height distribution of the 2003 Tokachi-oki earthquake is clearly different from that of the 1952 Tokachi-oki earthquake, suggesting the different source areas of the 1952 and 2003 Tokachioki earthquakes. Numerical simulation of tsunami is carried out using the slip distribution estimated by Yamanaka and Kikuchi (2003). The overall pattern of the observed tsunami height distribution along the coast is explained by the computed ones although the observed tsunami heights are slightly smaller. Large later phase observed at the tide gauge in Urakawa is the edge wave propagating from Cape Erimo along the west coast of the Hidaka area.The 2003 Tokachi-oki earthquak

Texas Business Review, December 1987

The Texas Economy: Rolling Right Along; Wichita Falls: Another RecoveryBureau of Business Researc

Texas Business Review, December 1988

The Texas Economy: Texas in Recovery; Expanding Texas Manufacturing Links with MaquilasBureau of Business Researc