Using Earnings-at-Risk to Assess the Risk of Indonesian Banks Elisa R. Muresan‚ Ph.D. 1 Nevi Danila‚ Ph.D. 2 JEL Classifications: F37‚ G20 Authors’ Keywords: Capital Adequacy Ratio (CAR) Earnings-at-Risk (EaR)‚ Bank Risk‚ Indonesian Banks Questions and feedback may be directed to both authors. 1 Elisa R. Muresan is an Assistant Professor of Finance at The School of Business‚ Public Administration‚ and Information Sciences‚ Long Island University‚ 1 University Plaza‚ Brooklyn‚ NY 11201
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Explaining How Moving From Place to Place Affects Teens It isn’t easy for anyone to pack up and leave everything that is familiar and try to fit into a new environment. But it’s especially hard during a time in your life when there are already so many physical and emotional changes taking place in a young teens life. There is so many different ways a big move can have a impact on a teen ‚ even if its a small or big impact teens still go through changes an some times lose great friends by
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How can a company measure its competitive advantage? Warren Buffett‚ one of the world’s greatest investors‚ says that the trick is to look for firms that already have competitive strengths and that operate in areas that are not susceptible to big changes: |"You will see that we favor businesses and industries unlikely to experience major change. The reason for that is | |simple: We are searching for operations that we believe are virtually certain to possess enormous competitive |
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Froya Fabrikker A/S of Bergen‚ Norway‚ is a small company that manufactures specialty heavy equipment for use in North Sea oil fields. (The Norwegian currency is the krone‚ which is denoted by Nkr.) The company uses a sob-order costing system arid applies manufacturing overhead cost to jobs on the basis of direct labor-hours. At the beginning of the year‚ the following estimates were made for the purpose of computing the predetermined overhead rate: manufacturing overhead cost‚ Nkr360‚000; and direct
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How can GMO scare us Seohyeong Pyo Lake Michigan College Did you know more than 70 percent of foods in American restaurants and supermarkets contain genetically modified organisms? You already know that there is a huge difference between food and health. Food is good if it offers diverse‚ tasty‚ gourmet‚ and nutrient-rich.Health is state of being free from illness or injury. First of all‚ eating infected a gene from another creatures‚ GMO (Genetically Modified Organism)‚ which is
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How can teenage pregnancy be prevented? Abstinence This is when a person decides not to have sex until they are married. Some think this is old-fashioned‚ others think it is morally the best thing to do. Don’t worry what other’s think - what do you think? Delaying Sex Many people feel that they don’t want to wait until marriage before having sex. At the same time they don’t want to rush into it and make costly mistakes. So they decide to delay having sex until they are older‚ more responsible
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In this report we focus on Nike’s Inc. Cost of Capital and its financial importance for the company and future investors. The management of Nike Inc. addresses issues both on top-line growth and operating performance. The company’s cost of capital is a critical element in such decisions and it is important to estimate precisely the weighted average cost of capital (WACC). In our analysis‚ we examine why WACC is important in decision making and we show how WACC for Nike Inc. is calculated correctly
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blending of various Hispanics’ identities‚ cultures‚ traditions and lifestyles makes America culturally Hispanic without many of us even realizing it. Teaching Spanish to American children would educate them about their country and would make them realize how important it is in their country’s history. If we think about it‚ Hispanics greatly contributed to our economic and politics. In brief‚ American children should learn Spanish because of the essential place and influence it has in the United States’
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compete with their competitor in the business environment‚ a company needs to make a strategy to achieve their long terms objective and can be successful for doing their business. Moreover‚ to be successful in their long terms objective and their business‚ company need to identify their strategic management‚ because with good strategic management company can be achieving their vision and mission to achieve the successfulness in their business. Regarding this issues‚ the strategic management becomes
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economics of business enterprise‚ an introduction to economic organisation and the theory of the firm Martin Ricketts (chp. 1-5) …and more… Aida Isabel Tavares Economia da Empresa 1 Quick review about the basics of theory of the firm Firms under the neoclassic view are treated as a production black-box: input → firm → output Fundamental issues about firms: Why do firms exist? How different are firms versus markets? What determines firm’s scope or boundaries? M&As; Spin-offs; Alliances What
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