4 resultados para subprime loans

em Digital Commons @ Winthrop University


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Libraries seek active ways to innovate amidst macroeconomic shifts, growing online education to help alleviate ever-growing schedule conflicts as students juggle jobs and course schedules, as well as changing business models in publishing and evolving information technologies. Patron-driven acquisition (PDA), also known as demand-driven acquisition (DDA), offers numerous strengths in supporting university curricula in the context of these significant shifts. PDA is a business model centered on short-term loans and subsequent purchases of ebooks resulting directly from patrons' natural use stemming from their discovery of the ebooks in library catalogs where the ebooks' bibliographic records are loaded at regular intervals established between the library and ebook supplier. Winthrop University's PDA plan went live in October 2011, and this article chronicles the philosophical and operational considerations, the in-library collaboration, and technical preparations in concert with the library system vendor and ebook supplier. Short-term loan is invoked after a threshold is crossed, typically number of pages or time spent in the ebook. After a certain number of short-term loans negotiated between the library and ebook supplier, the next short-term loan becomes an automatic purchase after which the library owns the ebook in perpetuity. Purchasing options include single-user and multi-user licenses. Owing to high levels of need in college and university environments, Winthrop chose the multi-user license as the preferred default purchase. Only where multi-user licenses are unavailable does the automatic purchase occur with single-user title licenses. Data on initial use between October 2011 and February 2013 reveal that of all PDA ebooks viewed, only 30% crossed the threshold into short-term loans. Of all triggered short-term loans, Psychology was the highest-using. Of all ebook views too brief to trigger short-term loans, Business was the highest-using area. Although the data are still too young to draw conclusions after only a few months, thought-provoking usage differences between academic disciplines have begun to emerge. These differences should be considered in library plans for the best possible curricular support for each academic program. As higher education struggles with costs and course-delivery methods libraries have an enduring lead role.

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In her December 10, 2012 interview with Robert Ryals, Martha Grigsby detailed her thoughts and memories of her time at Winthrop University. Grigsby shares the story of how she was able to attend Winthrop and the members of her community who assisted her in this process. Included are details of working in the dining hall on a scholarship, how relationships were formed amongst students, and how the students navigated Winthrop’s strict rules. Grigsby concludes her interview by stating how Winthrop helped her career as an educator and how she has stayed involved as an alumna. This interview was conducted for inclusion into the Louise Pettus Archives and Special Collections Oral History Program.

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The Charles Lonergan Cobb Papers consists mainly of correspondence but also includes photographs, biographical material, magazine and newspaper clippings, all relating to Cobb's career as a banker at People's National Bank( 1905-1949); and the People's National Bank and Trust Company(1949-1953) in Rock Hill, SC as well as his association with Winthrop College as a Board of Trustees' member(1938-1953). Subjects include, railroad cotton shipping service to South Carolina mill towns, crop loans in the early 1920s, location of the Celanese Chemical Plant in Rock Hill, the Winthrop College Board of Trustees, and a1946 article about Cobb that appeared in the Saturday Evening Post.