Essentials of Borrowing
<b>Enhance the quality of survey results by recognizing and reducing measurement errors.</b> <p> Margins of Error: A Study of Reliability in Survey Measurement demonstrates how and hwy identifying the presence and extent of measurement errors in survey data is essential for improving the overall collection and analysis of the data. The author outlines the consequences of ignoring survey measurement errors and also discusses ways to detect and estimate the impact of these errors. This book also provides recommendations of improving the quality of survey data. <p> Logically organized and clearly written, this book: <ul> <li> <div>Deconstructs the data gathering process into six main elements of the response process: question adequacy, comprehension, accessibility, retrieval, motivation, and communication</div> <li> <div>Provides an exhaustive review of valuable reliability estimation techniques that can be applied to survey data</div> <li> <div>Identifies the types of questions and interviewer practices that are essential to the collection of reliable data</div> <li> <div>Addresses hypotheses regarding which survey questions, sources of information, and questionnaire formats produce the most reliable data</div> </ul> <p> In conjunction with research data gathered on nearly 500 survey measures and the application of an empirical approach grounded in classical measurement theory, this book discusses the sources of measurement error and provides the tools necessary for improving survey data collection methods. <p> Margins of Error enables statisticians and researchers in the fields of public opinion and survey research to design studies that can detect, estimate, and reduce measurement errors that may have previously gone undetected. This book also serves as a supplemental textbook for both undergraduate and graduate survey methodology courses.
The Savings and Loan Crisis: Lessons from a Regulatory Failure sets the record straight about what actually happened to our banking institutions in the 1980s. As is documented by the highly respected and diverse group of former regulators, scholars and practitioners contributing to this book, the collapse of this industry was caused by a confluence of adverse economic conditions and misguided regulatory decisions. Poorly designed deposit insurance, faulty supervision, and restrictions on investments prevented savings and loans from adapting to a changing financial marketplace. Unable to use financial innovations, savings and loans could not hedge interest rate and credit risks. These factors blocked portfolio diversification and lay at the root of the crisis. The savings and loan crisis was an accident, but it was an avoidable one. Most of the factors responsible for causing and exacerbating the industry's problems were preventable, as is made clear in this volume. This book also provides an insider's view of the transformation of the financial services industry in the United States since the 1980s: how the managers and owners make decisions about product offerings and investments; how the regulators monitor performance and enforce the rules; and how Congress and the Administration influence and are influenced by the financial services industry. Lastly, it focuses attention on the lessons that should have been learned from this difficult period in the history of U.S. banking, and that should help prevent future banking crises everywhere.
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Essentials of Borrowing