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04 jul Thus, he is against them attempting to assume the “rightful authority and business ability of the white man” (Lewis, 128)

Posted at 16:37h in payday installment loans by paloma 0 Comments
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Thus, he is against them attempting to assume the “rightful authority and business ability of the white man” (Lewis, 128)

It is ironic that one of the Good Fellows claims that he hasn't “one particle of race-prejudice,” and that he is pleased when “nigger[s]” do well, but only so long as they know their place. Seeing the black porter who Virginia installment loan locations works at the Good Fellows council, they all stare at him “gloomily.” The Fellows' hypocrisy is palpable as they keep talking as usual, but when the porter has left they complain: “I don't know what's come over these niggers, nowadays. They never give you a civil answer.” What is surprising is that at the beginning of the previous quote the subject “I” is used instead of “they” (referring to “they wailed:”) to express a collective opinion.

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04 jul Apart from bank-level factors, we also allow for the macroeconomic variables in explaining bank returns

Posted at 14:48h in best paydayloan by paloma 0 Comments
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Apart from bank-level factors, we also allow for the macroeconomic variables in explaining bank returns

The Lerner index ranges from 0 to 1, in which higher values indicate larger market power. The Lerner index displays the extent to which a bank gains the market power to set its price above the marginal cost.

Considering the two opposing theories of “competition-fragility” and “competition-stability”, we realize that ong banks. However, in the Vietnamese banking market, a bank with larger market power tends to gain the advantages in competitive capacity, business resources, expertise, and experience. Hence, assuming that these advantages might support banks with greater market power in loan portfolio diversification, we expect that the adverse impact of loan portfolio diversification on bank returns should be more pronounced at banks with less market power.

3.2.4. Control variables

In the model specification of bank returns, we control for bank capital (the ratio of bank equity to total assets), because more capitalized banks may grant loans cautiously and borrow less, thus decreasing their costs and increasing their profits (Tan, 2016 ).

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