... acceptance of consumer loans within these savings banks. 23 The selection model can be identified without using an instrument but would then rely deterministically onthe non-linearity ofthe selection ... access data that has information not only on loan performance, but also onthe determinants for the loan approval decision, including the quantifiable credit information onthe customer. Our results ... use the natural logarithm ofthe number of branches over population as our main instrument. This variable is constructed using the number of all branches of each savings bank and the number of...
... collidine as internal standard. Duration of extraction was 30 minutes from apparition ofthe first drop of water inthe bottom ofthe condensed tube. Volatile compound extracts were then concentrated ... rate of 1.9 ml/min at 250C. The injection was performed in splitless mode first (5 min for SPME and 2 min for SDE), then in split mode to the end ofthe cycle (38.5 min for SPME and 70 min ... 737 Research onthe Change of 2-AP and Other Volatile Compounds in Processing Bun from Rice 3.4. Investigating the changes of 2-AP and other volatile compounds of rice in Bun processing Table...
... meaning. It is thein interaction ofthe results of these asynchronous processes that the process of comprehension is defined. The processes are independent ofthe know- ledge representations ... Because ofthe parallel activation of all meanings of each recognized word in HOPE, the determination ofthe phonetic representation of a recognized word determines the breadth of active ... marked by intonation or pauses. However, for French this is not the case. Depending onthe context, the ending of one word may be phone- tically affixed to the following one called liason. In addition,...
... place inthe queu, never leave a space between you and the person in front, otherwise the person behind you will ask, “Are you inthe queue?” (meaning “Don’t you know how to queue properly?”)(Inside ... motivation. Inthe 19th century, the writer Federick Taylor put forward the theory that workers were only interested in making money. In contrast, inthe early 20th century, researchers ... meaning, then pronounced it in mindc. looked at its pronunciation and meaning, then pronounced it aloudPart 3: Attitude and problems with English pronunciation9. How important is pronunciation...
... follows:Chapter one presents an overview ofthe study in which the rationale for the research, the research problem, the purposes, theresearch questions, the scope ofthe study, theresearch method, the ... the lips” (Roach, 2000:10). According to Roach (1998), vowels can be classified in terms of: (1) The height ofthe bulk ofthe tongue inthe mouth(2) The front/back position ofthe tongue in ... observation onthe performance of the students, particularly their English pronunciation. As for action research, observation is obviously one ofthe main instruments because it provides the researcher...
... technology requiring further training. Thus, continued participation in export markets requires continuous skill upgrading through training.There is also increasing interest inthe impact of global ... English education, IT education, soft skills training, business skill training, etc, most of them is due to the lack of education and training in national system. 2.4.2 Education in Vietnam and ... Moreover, those institutes often supply the training program for local workers in international standards. In conclusion, the increase in FDI into Vietnam not only increases the demand for quantity...
... underestimate theimportanceof non-verbal communicationin their own and their students' performance. One aspect of non-verbal communication is the use ofthe eyes to convey messages. The eyes ... to the attention oflanguage teachers, but largely inthe context of providing clues to the nature ofthe learner rather than in terms of a teaching tool. We have recently had the pleasure of ... TheImportanceof Eye Contact inthe ClassroomTeachers often complain about discipline, about lack of attention, about the use of L2 inthe classroom and many other problems, many of which...
... SLM? Phát biểu của Erika STYGER Ngân Hàng Thế GiớI, Washington DC1. Lời giới thiệu Hơn 1 tỷ người trong đó 2/3 là phụ nữ sống trong tình trạng cực nghèo với chưa đầy 1 USD một ngày (OECD ... tại trong hình thức (a) phong tục, tín ngưỡng và thái độ cho rằng phụ nữ chỉ làm việc nhà, (b) khối lượng công việc kinh tế và việc nhà tạo ra gánh nặng cho họ, và (c) luật lệ và phong tục ... mình. Lý tưởng nhất là nó thể hiện chuỗi liên tục trong đó người nghèo được trao quyền từng bước. Bình đẳng giới trong sự tham gia Trong nhóm người nghèo, phụ nữ chiếm số đông. Rất nhiều...
... teaching. Due to the limitation ofthe study, the investigator has only made a survey onthe current practice of peer teaching in ESP classes at Hanoi College of Sciences. The findings of this ... study The study is divided into three main parts: the introduction, the development and the conclusion. The very first part, the introduction, covers the background information such as rationale, ... education researchon teaching and learning: The best answer to the question of what is the most effective method of teaching is that it depends on the goal, the student, the content and the teachers....
... the spoken language must confront the following types of questions: • What is the appropriate form of spoken language to teach? • From the point of view of pronunciation, what is the reasonable ... steps in this process consist of observing the learning situation, collecting data, analyzing data and summarizing findings. The last chapter deals with the summary, the findings as well as the ... specific, in realizing the study, the main objectives are: To investigate the effects of CL on Students’ participation in oral communication activities To investigate the effects of CL on the...
... for the conditions of Vietnam, which are different from European ones. In this research, we investigated the influences of PSI onthe number of error pickets and the accuracy of DTM by using ... at the corners and 1 inthe center). The coordinates of control points are obtained by measuring GPS baselines to at least 3 points of the State Control Network. The overall accuracy of coordinates ... creating and testing DTMs. Since the main purpose oftheresearch is to assess the quality of automated picket sampling and measuring, some steps (additional breakline measuring, field checking,...
... single consider the wellbeing of not only themselves but also of other members ofthe household”. These assertion was corroborated by the findings in Table 1. Table 1 also reveals that there ... urban industrial area of Sango Ota. A total of 11.6% of respondents have no formal education, while the remaining has one form of education or the other while only 4.6% has tertiary education. ... The later is an inverse relationship that is as the perceived effect of industrial water pollution increases the income of respondents decreases. 3.4. Effect of Industrial Water Pollution...