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Banken bleiben wichtige Partner für Unternehmen

By Guest PostDecember 27, 2016Economy, Politicsbank, bankkredit, crowdfunding, finanzkriminalitaet, fintech, jan riepe, marihuana industrie, marihuana unternehmen, markus merz, partner, unternehmen, US

Wirtschaftswissenschaftler der Universität Tübingen untersuchen anhand der US-amerikanischen Marihuana-Industrie, wie wertvoll Transaktionsservices und Kredite von Banken für junge Unternehmen sind

Banken haben für junge Unternehmen immer noch eine hohe Bedeutung und sind nicht vollständig durch alternative Finanzdienstleistungen, sogenannte FinTechs wie Crowdfunding oder Online-Bezahldienste, ersetzbar. Zu diesem Schluss kommen Professor Jan Riepe und Markus Merz von der Universität Tübingen in einer jüngst veröffentlichten Studie. (more…)

Study of microcredit finds generally positive, but not transformative, impacts

By Guest PostMay 16, 2013Economyanti poverty initiatives, bank, bill, central mexico, compartamos banco, credito mujer, dartmouth college, dean karlan, economist, grameen bank, jonathan zinman, manuela angelucci, market capitalization, melinda gates foundation, Mexico, microcredit, microcredit program, muhammad yunus, nobel peace prize, poverty, poverty action, sonora state, ultra poor, university of michigan, yale university

Microcredit generally benefits borrowers, according to new research focused on Mexico’s biggest for-profit microlender — but it’s not lifting people out of poverty.

In a multi-year, randomized evaluation of microloans provided by Compartamos Banco, Yale University economist Dean Karlan, with collaborators Manuela Angelucci of the University of Michigan and Jonathan Zinman of Dartmouth College, show there are generally positive effects on average and find little evidence that some borrowers end up worse off while others end up better off. However, the canonical story that microcredit leads to higher enterprise income did not bear fruit. (more…)

Misregulated genes may have big autism role

By Guest PostApril 1, 2013Healthautism, autism cerebral cortex, bank, biochemical exchanges, brain tissue, brains of children, brown university, christianson syndrome, daniel geschwind, endosomes of cells, epilepsy, eric morrow, genetic pathway, human behavior, irinia voineagu, karoly mirnics, key molecular player, krassimira garbett, los angeles, messenger rna, misregulated genes, mutations, nhe6, nhe9, proteins, raw data, statistical analysis, university of california, vanderbilt university

A genetic pathway involving proteins in the endosomes of cells appears to be misregulated in the brains of children with autism, according to a newly published statistical analysis in the journal Molecular Psychiatry. Previously the genes were shown to cause rare forms of the disease but the new study suggests they have a wider role.

PROVIDENCE, R.I. [Brown University] — A new study finds that two genes individually associated with rare autism-related disorders are also jointly linked to more general forms of autism. The finding suggests a new genetic pathway to investigate in general autism research. (more…)

Caching In: How Some Organizations Are Using Big Data to Change the Way They Do Business

By Guest PostFebruary 12, 2013Technologyanalytics tools, article on forbes, atlanta, bank, bi, big data, big data strategies, bnz, bryson koehler, business, business intelligence, cloud platform, columns of data, crossmark, david selinger, fossils, generate big data, georgia, global scale, Microsoft, microsoft data warehouse, microsoft solutions, microsoft sql server, nctn, nhi, organization, parallel data warehouse, pdw, point of sale, pos data, quantities of data, real-time, risk populations, super 8 worldwide, susan hauser, Technology, therapy, united states, university advancement, va, weather channel, what and why, windows azure

As big data access shifts to the masses, The Weather Company and other top global companies are showing the world how it’s done.

REDMOND, Wash. — Feb. 12, 2012 —Big data is changing the way organizations do business, make discoveries, and interact with each other. In fact, pundits are predicting that 2013 will be the year organizations across a range of industries begin implementing big data strategies, or face obsolescence. As David Selinger wrote in a recent article on Forbes online: “If executives don’t find a way to trap, tame, and train their data monsters, they’ll be extinct in two years—fossils who’ve missed the new world order.”

Microsoft believes that big data has the power to drive practical and theoretical insights that have eluded people to date. In the past, high costs and technology limitations have constrained access to data storage infrastructure and the tools needed to manage and analyze large quantities of data. This is finally starting to change. (more…)

Microbes in the Mississippi

By Guest PostAugust 5, 2012Environment, Sciencebacteria, bank, barcoded, christopher staley, dna analysis, e coli, fecal indicator bacterium, genetic information, human population, la crescent, lake, lake itasca, m3p, m3p students, mercury, michael sadowsky, microbe, microbial life, microorganisms, minnesota, Mississippi, mississippi river, river, st croix, trevor gould, twin cities, university of minnesota, zumbro

Professor and students study how microbial life changes along the river

The mercury is pushing 100, but professor Michael Sadowsky and two assistants leave the indoor coolness for the bank of the Mississippi River as it flows by the University of Minnesota Twin Cities campus.

The three men send a bucket splashing into the current and haul back a water sample. That doesn’t affect the river much, but information locked away in bacteria from the sample may tell them a great deal about how the river’s microbial communities change along its course through Minnesota and how human activity affects them. (more…)

Negotiating Better Mortgage Rates

By Guest PostJune 19, 2012Economybank, comparison website, current recession, economic times, economic volatility, great recession, investor, loaning institution, low interest rates, mortgage rates, public interest rate, real estate, sam adams

Many of the best real estate investors in the world will tell you that the best real estate deals are often done during times of economic volatility. The most current recession is no exception to this rule.

Savvy real estate investors are able to negotiate much better mortgage rates for themselves in the wake of the Great Recession than they would ever have been able to do in more stable economic times. If you are looking for a home or investment property, heed the opportunity that you have with historically low interest rates and loaning institutions that are looking to quickly get rid of all of the properties on their books.

However, banks are still out to make a profit and they will not give away the information that you need to get yourself better deals. Below are a few techniques that you can use to negotiate yourself the absolute best mortgage rate that a loaning institution is willing to give. (more…)

Public Firms Weathered Recession Better Than Expected

By Guest PostJune 19, 2011EconomyAIG, bank, bank losses from toxic assets, credit supply, financial crisis, kathy kahle, lehman brothers, neiman marcus, ohio state university, operation of the credit channel, professor of finance, rené m stulz, smaller firms, subprime mortgages, university of arizona

The prevailing narrative of the financial crisis revolves around banks’ reduced ability to issue loans, but a new paper by University of Arizona associate professor of finance Kathy Kahle reveals that the credit supply shock did not affect publicly traded firms as much as expected.

Bank losses from toxic assets were responsible for the credit contraction, but those toxic assets – mostly mortgage-backed securities – are not directly related to the performance of industrial firms. (more…)

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