1000 resultados para Credit profile
Resumo:
The prevalence of depression in the Australian workforce is unknown. Epidemiological surveys (e.g., the National Health Survey and National Survey of Mental Health and Wellbeing) do not routinely include a depression scale and within the mental health field, few studies focus on depression and employment groups specifically. Although the inclusion of a direct measure of depression in national surveys is preferable, the prevalence of depression may be inferred from short screening scales of general mental health. In this paper, scores on the General Health Questionnaire (GHQ-12) and the Kessler psychological distress scale (K10) for a sample of employed persons were mapped onto the CES-D (Iowa) measure of depression. The results of this study indicate that the recommended GHQ-12 cut-off point is appropriate for estimating work-related depression prevalence. However, the cut-off point on the K10 (the short-scale currently used in Australian national surveys) may need to be substantially reduced if scores on the K10 are to be used to identify workers at risk of depression. The routine inclusion of a direct depression measure in national surveys is recommended, particularly considering the number of employed persons in Australia and large proportion of the sample classified as depressed in this study.
Resumo:
This paper argues for greater dialogue on public health ethics. There has been little discussion in Australia about the significant ethical dilemmas in this field, and there is no agreed framework for analysing and responding to these challenges. We highlight concerns about the suitability of biomedical principles-based ethics for public health, and encourage public health professionals in this country to reflect on ethical challenges in public health research. A focus on research ethics concerns will deliver concrete examples demonstrating the need for a public health ethics frame work. Recommendations are offered for how public health ethics promotion may occur locally.
Resumo:
The approach taken here of reconstruction of the refractive index profile of planar waveguides involves solving a non-linear integral equation with Tikhonov regularization. Using global optimization with the new cutting angle and discrete gradient methods has yielded an acceptable reconstruction, even in the presence of significant noise in the data.
Resumo:
This study found, in the trading of bonds from emerging economies, the international market does not differentiate distinctions between international bonds that were issued by government or corporations. While domestic political and economic issues affect the trading of Malaysian bonds, over the longer term, international economic events leave more significant impact.
Resumo:
In Australia, as elsewhere, finding and acquiring equity capital is one of the major problems facing start-up or growing entrepreneurial ventures. The informal venture capital market, comprising high net worth non-institutional private equity investors (or 'business angels') provides risk capital directly to new and growing businesses and has been shown to be considerably more significant than institutional providers as a source of finance for entrepreneurial businesses. Building upon research undertaken internationally, this study generated and evaluated data resulting from an investigation of 36 carefully screened Australian business angels. It focused upon three primary research questions: (i) Who are Australia's informal venture capitalists (business angels)? (ii) How do they behave? (iii) What are their investment criteria? The study initiates Australian angel research into the developing international continuum of informal venture capital research and can serve as the generator of empirically testable hypotheses for future research and theory development.
Resumo:
In Australia, as it is all over the world, finding and acquiring equity capital is one of the major problems facing entrepreneurs who are starting or growing entrepreneurial ventures. The informal venture capital market, made up of high net worth non-institutional private equity investors (or 'business Angels') provides risk capital directly to new and growing businesses and has been shown to be considerably more significant than institutional providers as a source of finance for entrepreneurial businesses. Building upon and comporting with Angel research undertaken overseas, this study generated and evaluated data resulting from an investigation of Australian business Angels which focused upon three primary research questions: (i) Who are Australia's Informal Venture Capitalists (Business Angels)? (ii) How do they behave? (iii) What are their investment criteria? Analysis of answers resulting from the in-depth survey of 36 carefully screened respondents produced a detailed portrait, summarised and depicted in twelve key graphs. Together, the graphs form a descriptive construct - the 'Seraphim Profile' - which articulates Australian business Angels' identifying characteristics, patterns of investment behaviour and investment criteria.
Resumo:
In the shadow of the global financial crisis, the issue of the marketing of credit has become an increasing concern in the past 12 months. Outstanding personal debt in the UK currently stands at £1479 billion and is rising by £1 million every 10.6 min. In Australia, there is currently $44.6 billion worth of outstanding credit card debt, and in the US, $2596 billion was owed on credit cards in 2008. At present, the banking sector utilizes sophisticated research methods to profile consumers, including those who might be considered financially vulnerable. However, the policy frameworks in most industrialized countries do not account for this form of target marketing when considering how to protect vulnerable groups. This paper is an initial attempt to examine the different methods by which profiling is conducted and the policy implications of this sophisticated form of segmentation and targeting. We argue that current consumer policies are inadequate in protecting vulnerable consumers from these marketing techniques, and recent recommendations from the Federal Reserve Bank of the United States, and the Australian Law Reform Commission to allow banks and lenders to ‘pre-screen’ potential customers will exacerbate personal debt levels, rather than reducing them.
Resumo:
Abstract: Aim: To investigate the convergent validity between the Sensory Profile, the Sensory Profile School Companion, and the Home and Main Classroom Forms of the Sensory Processing Measure.
Method: Thirty mothers completed the Sensory Profile and the Sensory Processing Measure - Home Form on one child each. Nineteen teachers of the same children completed the Sensory Profile School Companion and the Sensory Processing Measure - Main Classroom Form.
Results: The Sensory Profile and the Sensory Processing Measure - Home Form were significantly correlated (rho=0.86, p less-than .01). The Sensory Profile School Companion and Sensory Processing Measure - Main Classroom Form were also significantly correlated (rho=.74, p less-than .01).
Conclusion: The two sets of sensory processing scales had moderate levels of convergent validity.
Resumo:
It is generally agreed that knowledge is the most valuable asset to an organization. Knowledge enables a business to effectively compete with its competitors. In the tourism context, an in-depth knowledge of the profile of international travelers to a destination has become a crucial factor for decision makers to formulate their business strategies and better serve their customers. In this research, a self-organizing map (SOM) network was used for segmenting international travelers to Hong Kong, a major travel destination in Asia. An association rules discovery algorithm is then utilized to automatically characterize the profile of each segment. The resulting maps serve as a visual analysis tool for tourism managers to better understand the characteristics, motivations, and behaviors of international travelers.
Resumo:
An investigation into the hypothesis that females with high functioning autism present in a way that is not congruent with our current understanding of autism, as our current understanding is largely based on a male profile of autism. Autistic females were found to present differently socially, emotionally and behaviourally from autistic males.
Resumo:
Nearly all drinking water distribution systems experience a "natural" reduction of disinfection residuals. The most frequently used disinfectant is chlorine, which can decay due to reactions with organic and inorganic compounds in the water and by liquid/solids reaction with the biofilm, pipe walls and sediments. Usually levels of 0.2-0.5 mg/L of free chlorine are required at the point of consumption to maintain bacteriological safety. Higher concentrations are not desirable as they present the problems of taste and odour and increase formation of disinfection by-products. It is usually a considerable concern for the operators of drinking water distribution systems to manage chlorine residuals at the "optimum level", considering all these issues. This paper describes how the chlorine profile in a drinking water distribution system can be modelled and optimised on the basis of readily and inexpensively available laboratory data. Methods are presented for deriving the laboratory data, fitting a chlorine decay model of bulk water to the data and applying the model, in conjunction with a simplified hydraulic model, to obtain the chlorine profile in a distribution system at steady flow conditions. Two case studies are used to demonstrate the utility of the technique. Melbourne's Greenvale-Sydenham distribution system is unfiltered and uses chlorination as its only treatment. The chlorine model developed from laboratory data was applied to the whole system and the chlorine profile was shown to be accurately simulated. Biofilm was not found to critically affect chlorine decay. In the other case study, Sydney Water's Nepean system was modelled from limited hydraulic data. Chlorine decay and trihalomethane (THM) formation in raw and treated water were measured in a laboratory, and a chlorine decay and THM model was derived on the basis of these data. Simulated chlorine and THM profiles agree well with the measured values available. Various applications of this modelling approach are also briefly discussed.
Resumo:
Nearly all drinking water distribution systems experience a "natural" reduction of disinfection residuals. The most frequently used disinfectant is chlorine, which can decay due to reactions with organic and inorganic compounds in the water and by liquid/solids reaction with the biofilm, pipe walls and sediments. Usually levels of 0.2-0.5 mg/L of free chlorine are required at the point of consumption to maintain bacteriological safety. Higher concentrations are not desirable as they present the problems of taste and odour and increase formation of disinfection by-products. It is usually a considerable concern for the operators of drinking water distribution systems to manage chlorine residuals at the "optimum level", considering all these issues. This paper describes how the chlorine profile in a drinking water distribution system can be modelled and optimised on the basis of readily and inexpensively available laboratory data. Methods are presented for deriving the laboratory data, fitting a chlorine decay model of bulk water to the data and applying the model, in conjunction with a simplified hydraulic model, to obtain the chlorine profile in a distribution system at steady flow conditions. Two case studies are used to demonstrate the utility of the technique. Melbourne's Greenvale-Sydenham distribution system is unfiltered and uses chlorination as its only treatment. The chlorine model developed from laboratory data was applied to the whole system and the chlorine profile was shown to be accurately simulated. Biofilm was not found to critically affect chlorine decay. In the other case study, Sydney Water's Nepean system was modelled from limited hydraulic data. Chlorine decay and trihalomethane (THM) formation in raw and treated water were measured in a laboratory, and a chlorine decay and THM model was derived on the basis of these data. Simulated chlorine and THM profiles agree well with the measured values available. Various applications of this modelling approach are also briefly discussed.