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Article
Publication date: 5 May 2002

Richard L. Gallagher

A simulation methodology is applied to the loan loss reserve process of an agricultural lender. Weaknesses of the point‐estimate approach to estimating loan loss reserves are…

290

Abstract

A simulation methodology is applied to the loan loss reserve process of an agricultural lender. Weaknesses of the point‐estimate approach to estimating loan loss reserves are addressed with a “bottom‐up” model. Modeling includes consideration of the producer’s and the lender’s diversification efforts. Implementation of this model will provide the lender a better understanding of the institution’s portfolio risk, as well as the credit risk associated with each loan. This study compares the lender’s loan loss estimates to a distribution of losses with associated probabilities. The comparative results could provide the lender a basis for setting probability levels for determining the regulatory required level of loan loss reserve.

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Agricultural Finance Review, vol. 62 no. 1
Type: Research Article
ISSN: 0002-1466

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Article
Publication date: 5 May 2001

Richard L. Gallagher

Research on agribusiness loan success and failure has been limited, and has typically adopted the nonagricultural business approach of using financial ratios to predict loan…

423

Abstract

Research on agribusiness loan success and failure has been limited, and has typically adopted the nonagricultural business approach of using financial ratios to predict loan success, with success rates generally ranging from 60 to 80%. This study uses primary loan data to test the financial and nonfinancial characteristic differences between unsuccessful and successful agribusiness loans. Previous work is augmented by accounting for nonfinancial characteristics, including lender and agribusiness manager experience that resulted in an improved model prediction success rate of 97.5%. A unique result is the identification of a significant combined experience variable comprised of the loan officer’s experience and the agribusiness manager’s experience. Findings further suggest that agribusiness lenders could benefit from incorporating experience into the loan portfolio management process.

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Agricultural Finance Review, vol. 61 no. 1
Type: Research Article
ISSN: 0002-1466

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Book part
Publication date: 6 November 2015

David Norman Smith

Max Weber called the maxim “Time is Money” the surest, simplest expression of the spirit of capitalism. Coined in 1748 by Benjamin Franklin, this modern proverb now has a life of…

Abstract

Purpose

Max Weber called the maxim “Time is Money” the surest, simplest expression of the spirit of capitalism. Coined in 1748 by Benjamin Franklin, this modern proverb now has a life of its own. In this paper, I examine the worldwide diffusion and sociocultural history of this paradigmatic expression. The intent is to explore the ways in which ideas of time and money appear in sedimented form in popular sayings.

Methodology/approach

My approach is sociological in orientation and multidisciplinary in method. Drawing upon the works of Max Weber, Antonio Gramsci, Wolfgang Mieder, and Dean Wolfe Manders, I explore the global spread of Ben Franklin’s famed adage in three ways: (1) via evidence from the field of “paremiology” – that is, the study of proverbs; (2) via online searches for the phrase “Time is Money” in 30-plus languages; and (3) via evidence from sociological and historical research.

Findings

The conviction that “Time is Money” has won global assent on an ever-expanding basis for more than 250 years now. In recent years, this phrase has reverberated to the far corners of the world in literally dozens of languages – above all, in the languages of Eastern Europe and East Asia.

Originality/value

Methodologically, this study unites several different ways of exploring the globalization of the capitalist spirit. The main substantive implication is that, as capitalism goes global, so too does the capitalist spirit. Evidence from popular sayings gives us a new foothold for insight into questions of this kind.

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Globalization, Critique and Social Theory: Diagnoses and Challenges
Type: Book
ISBN: 978-1-78560-247-4

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Book part
Publication date: 24 July 2020

Wayne A. Hochwarter, Ilias Kapoutsis, Samantha L. Jordan, Abdul Karim Khan and Mayowa Babalola

Persistent change has placed considerable pressure on organizations to keep up or fade into obscurity. Firms that remain viable, or even thrive, are staffed with decision-makers…

Abstract

Persistent change has placed considerable pressure on organizations to keep up or fade into obscurity. Firms that remain viable, or even thrive, are staffed with decision-makers who capably steer organizations toward opportunities and away from threats. Accordingly, leadership development has never been more critical. In this chapter, the authors propose that leader development is an inherently dyadic process initiated to communicate formal and informal expectations. The authors focus on the informal component, in the form of organizational politics, as an element of leadership that is critical to employee and company success. The authors advocate that superiors represent the most salient information source for leader development, especially as it relates to political dynamics embedded in work systems. The authors discuss research associated with our conceptualization of dyadic political leader development (DPLD). Specifically, the authors develop DPLD by exploring its conceptual underpinnings as they relate to sensemaking, identity, and social learning theories. Once established, the authors provide a refined discussion of the construct, illustrating its scholarly mechanisms that better explain leader development processes and outcomes. The authors then expand research in the areas of political skill, political will, political knowledge, and political phronesis by embedding our conceptualization of DPLD into a political leadership model. The authors conclude by discussing methodological issues and avenues of future research stemming from the development of DPLD.

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Research in Personnel and Human Resources Management
Type: Book
ISBN: 978-1-80043-076-1

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Book part
Publication date: 20 June 2017

David Shinar

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Traffic Safety and Human Behavior
Type: Book
ISBN: 978-1-78635-222-4

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Article
Publication date: 1 July 2005

Peter Humphrey and David Lont

This paper examines the Random Walk Hypothesis (RWH) for aggregate New Zealand share market returns, as well as the CRSP NYSE‐AMEX (USA) index during the 1980‐2001 period. Using…

443

Abstract

This paper examines the Random Walk Hypothesis (RWH) for aggregate New Zealand share market returns, as well as the CRSP NYSE‐AMEX (USA) index during the 1980‐2001 period. Using several indices, we rely on the variance‐ratio test and find evidence to support the rejection of the RWH with some evidence of a momentum effect. However, we find evidence to suggest the behaviour of share prices to be time‐dependent in New Zealand. For example, we find the indices tested were closer to random after the 1987 share market crash. Further analysis showed even stronger results for periods subsequent to the passage of the Companies Act 1993 and the Financial Reporting Act 1993. We also find evidence that indices based on large capitalisation stocks are more likely to follow a random walk compared to those based on smaller stocks. For the USA index, we find stronger evidence of random behaviour in our sample period compared to the earlier period examined by Lo and Mackinlay (1988)

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Pacific Accounting Review, vol. 17 no. 2
Type: Research Article
ISSN: 0114-0582

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Article
Publication date: 1 February 1993

Thomas A. Peters

The purpose of this article is to present an overview of the history and development of transaction log analysis (TLA) in library and information science research. Organizing a…

579

Abstract

The purpose of this article is to present an overview of the history and development of transaction log analysis (TLA) in library and information science research. Organizing a literature review of the first twenty‐five years of TLA poses some challenges and requires some decisions. The primary organizing principle could be a strict chronology of the published research, the research questions addressed, the automated information retrieval (IR) systems that generated the data, the results gained, or even the researchers themselves. The group of active transaction log analyzers remains fairly small in number, and researchers who use transaction logs tend to use this method more than once, so tracing the development and refinement of individuals' uses of the methodology could provide insight into the progress of the method as a whole. For example, if we examine how researchers like W. David Penniman, John Tolle, Christine Borgman, Ray Larson, and Micheline Hancock‐Beaulieu have modified their own understandings and applications of the method over time, we may get an accurate sense of the development of all applications.

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Library Hi Tech, vol. 11 no. 2
Type: Research Article
ISSN: 0737-8831

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Book part
Publication date: 8 October 2018

Kelly L. Markowski and Richard T. Serpe

The purpose of this paper was to empirically integrate the structural and perceptual control programs in the identity theory. This integration involved examining how the…

Abstract

Purpose

The purpose of this paper was to empirically integrate the structural and perceptual control programs in the identity theory. This integration involved examining how the structural concepts of prominence and salience moderate the impact that the perceptual control process of nonverification has role-specific self-esteem.

Methodology/approach

We use survey data from normative and counter-normative conditions in the parent and spouse identities to test a series of structural equation models. In each model, we test the direct impacts of prominence, salience, and nonverification on worth, efficacy, and authenticity. We also test interaction effects between prominence and nonverification as well as salience and nonverification on the three self-esteem outcomes.

Findings

Out of the 24 possible interaction effects, only three were significant. By contrast, the expected positive effects of prominence on worth were supported among all identities, while the expected positive effects of salience on self-esteem were supported only among normative identities. Also as expected, the negative effects of nonverification on self-esteem were supported, though most strongly among counter-normative identities.

Practical Implications

Our findings indicate that the structural and perceptual control concepts have independent effects on self-esteem. Thus, future research should incorporate both programs when examining identity processes on self-esteem. However, depending on the normativity or counter-normativity of the identities of interest, research may find it useful to focus on concepts from one program over the other.

Originality/value of Paper

This paper is a test of integration of the two research paradigms in the identity theory, which addresses the micro–macro problem in a unique way.

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Advances in Group Processes
Type: Book
ISBN: 978-1-78769-013-4

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Book part
Publication date: 16 June 2017

Yochai Eisenberg, Erin D. Bouldin, Nancy Gell and Dori Rosenberg

The size of the population classified as people with disabilities or older adults is increasing globally. The World Health Organization estimates that the average prevalence of…

Abstract

The size of the population classified as people with disabilities or older adults is increasing globally. The World Health Organization estimates that the average prevalence of disability is around 18% among adults age 18 and older. People with disabilities and older adults have lower levels of physical activity and experience significant barriers to walking in local neighbourhoods. A new perspective is needed that views disability in the context of the built environment and across the lifespan. The purpose of this chapter is to examine walking as an activity that is inclusive of any age, ability or assistive device used for mobility. Through a literature review, we illustrate the complex relationship that exists between individuals with disabilities/older adults and the built environment. We describe environmental and social factors, which have been found to be associated with walking among people with disabilities and older adults as well as factors perceived to be barriers to walking. Factors cited in the literature include aspects that fall into the environmental domains of the International Classification of Functioning. We conclude by highlighting key factors needed for planning supportive walking environments for people with disabilities and older adults. Recommendations include the use of walking audits to gain information on detailed aspects of the built environment, developing inclusive walking initiatives, including people with disabilities and older adults in the planning process and planning for maintenance.

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Walking
Type: Book
ISBN: 978-1-78714-628-0

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Book part
Publication date: 23 August 2019

Eleanor Peters

Abstract

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The Use and Abuse of Music: Criminal Records
Type: Book
ISBN: 978-1-78769-002-8

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