![]() ![]() The statistical approach being used is panel least square fixed effect model. ![]() ![]() These 4 commercial banks are those listed as ‘Category-IV’ or BUKU 4 during the study’s time frame. This study uses four Indonesia’s Category-IV banks which were chosen by purposive sampling methodology based on criteria set with quarterly time horizon. Meanwhile, the external determinants used as independent variables are Interest Rate volatility and Inflation. The internal determinants used as independent variables are Loan to Deposit Ratio (LDR), Operating Efficiency Ratio (OER), and Capital Adequacy Ratio (CAR). This study aims to analyze these internal and external determinants of NIM for Indonesia’s Category-IV banks in the period of 2014 to 2017. NIM is influenced by both internal and external determinants. KEYWORDS: Non-Performing Assets, Macroeconomic indicators, bank specific factors, Fixed effectīank’s Net Interest Margin (NIM) is a key indicator on how bank performs its intermediary function and necessary for the financial system stability. Only exchange rate affects the non-performing loans positively but other macroeconomic variables are negatively associated. ![]() Bank specific factor have strong negative impact on the dependent variables. Paper found that except unemployment rate all other variables have significant impact on bad assets. Fixed effect estimation with robust clustered standard error is used for the panel data regression. Unemployment Rate Inflation, Economic Growth, Export rate, Exchange rate, Fiscal Deficit ratio are the macroeconomic indicators and Return on Assets, Credit Deposit ratio, Net Interest Margin are the bank specific factor that are taken from 2003-04 to 2019-20 to explain the variability in Non-performing assets of Public sector and Private sector banks. Both macroeconomic and bank specific factors should be analysed properly to know their strength and direction of impact on the bad assets to have effective NPA resolution mechanism. Deterioration of asset quality destabilizes the financial system by adversely affecting the efficiency, profitability, solvency and liquidity of the banking sector. ![]()
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![]() ![]() Future waves of DLC have yet to be revealed. Todd Howard also spoke of the sales success of the game online.Īutomatron is the first of three preliminary DLC for Fallout 4. ![]() The Fallout 4 Wikia has obtained small descriptions of each of the achievements, which reveal that Automatron offers at least three missions tied to the achievements, and two collect-a-thons involving building and unlocking robot mods.Īchievements for Far Harbor and Wasteland Workshop have not yet gone live.Įarlier today, Todd Howard revealed fresh details about the Automatron DLC, which he described as “ Pokemon-esque.” The developer also revealed plans for official modding support. You can view the achievements for yourself on Steam, but here they are in a screenshot: The achievements, five in all, have gone online ahead of the DLC’s March release. A full set of new achievements has cropped up on Steam for Fallout 4‘s first DLC, Automatron. ![]() ![]() ![]() Take a look at this picture to understand better. Like movie torrent, game torrent, music torrent, etc. It is like a map which guides the users about the files which are available for download in the system. That stores all the metadata of downloadable files. In the BitTorrent file-sharing mechanism, a torrent is a computer file. Which is now the largest and most popular file-sharing protocol all around the world. The P2P file sharing model was further modified as BitTorrent. Hence, all the nodes (PCs) have access to each other’s files. All the computers in P2P structure participate as a source of the file. That is why it ease the file sharing the process. No central distribution server is required. One which has the file and other downloads it directly from that PC. ![]() In P2P file sharing system, the files are shared between two or more PCs. Which generates the request of desired files. That is the end-user computer to the other node (peer). The files are shared among one node (peer). In a P2P file sharing the files (music, videos, audios, games, documents, ebooks, etc.) are shared using the peer-to-peer networking technology. Hence, the users loved it due to its performance. With a reduced download speed when replaced by peer-to-peer (P2P) file sharing. The traditional method of downloading a file from one source. That we will explain later in this torrent guide. BitTorrent has a modified version of it with enhanced downloading structure. There are differences between a P2P file sharing mechanism and BitTorrent. Later on, it was further modified and then born the file-sharing giant to date, BitTorrent. Other P2P files sharing websites were launched. However, the idea of Napster did not stop. Later it was shut down as it was held liable for copyright infringement in 2001. ![]() However, Napster was only limited to music files. Which introduced the concept of Peer-to-peer (P2P) file sharing system. By launching an application named Napster. In 1999, the step to improve this mechanism was taken by one company. So to provide users with a better downloading mechanism around the world. This was an annoying and inefficient way of downloading files. In the worst cases after 98% download completion, the download fails. Which is why it burdens the website server. Which means many people at the same time seeking to download one single file. ![]() In fact, thousands of people try to access it for downloading in a single day. Where the websites upload the files on their server (open for downloads) and many. It used to take a lot of time because of many reasons. To download the file (especially some large files) the process was painful. We used to search the key terms and visit the recommended websites. In the past days when we need to download files. (Discount is applied automatically) Introduction ![]() ![]() ![]() The joints must be adjusted very precisely, and even a little looseness in them makes the steering dangerously sloppy and inaccurate. They also ensure that when cornering, the inner front wheel - which has to travel round a tighter curve than the outer one - becomes more sharply angled. ![]() These are designed to allow the wheels to move up and down with the The steering effort passes to the wheels through a system of pivoted joints. If the driver swivelled the road wheel directly, he or she would have to push nearly 16 times as hard. (380 mm) diameter steering wheel moving four turns from full left lock to full right lock travels nearly 16 ft (5 m), while the edge of a road wheel moves a distance of only slightly more than 12 in. The system allows a driver to use only light System converts the rotation of the steering wheel into a swivelling movement of the road wheels in such a way that the steering-wheel rim turns a long way to move the road wheels a short way. ![]() ![]() ![]() ![]() This huge savings in space lets you project images in spots where you previously could not-such as places where the ceiling is too high, or where there is not enough front or rear space for projecting. The Ultra-Short Throw Lens Solves 'Space' Issues and Adds High Brightnessīy mounting the ultra-short-throw lenses onto Panasonic's high brightness DLP™ projector, you can shorten the projection distance by approximately 60 % compared with our current short throw lenses. ET-D75LE90 ultra short-throw lens forįeatured image : ET-D75LE90 mounted on PT-DZ21Kįeatured image : ET-DLE030 mounted on PT-DZ870 These are the world’s first detachable Ultra Short Throw lenses. Panasonic has changed this with the ET-D75LE90 and ET-DLE030 ultra-short throw lenses for high brightness projectors. Until now, short throw and ultra-short throw projection has been limited to smaller, lower brightness, fixed lens projectors. ![]() ![]() ![]() You will recieve a CD/DVD of all of the images that I take of you. I try to maintain a fun and professional environment, and want everyone to be comfortable. Please do not bring an excort you do not feel comfortable posing in front of. That I shoot with film, but I primarily shoot with a digital SLR.īy all means, YES. Some things cannot be shot digitally and have the same "look". I work on a 100% comfort level, and if I suggest a shot that you are not comfortable with, please let me know.īoth actually. You set your limits and they will be respected. NO! Your decision to shoot topless/nude is entirely up to you. I shoot several genres of pictures, and will shoot damn near anything. Yourself, your smile, and whatever clothing that you feel you look good in. The amount of time that we spend working is entirely up to you. The more time that you have, the more work we can get in. Shoots can range anywhere from 1 to 4 hours. So if you are looking to start or expand your portfolio, or are looking for content for a website, please give me the oppurtunity to work with you. No experience is required, and I will work with anyone. I am currently seeking models in or around southern California for Maxim and Playboy style shoots, for portfolio work and my new and improved upcoming website. I have worked with over 100 models in three years, and am constantly on the lookout for new faces. In early 2004, I started shooting professionally. I have been shooting pictures ever since. At the age of 10, I became fascinated with the art of photography. ![]() ![]() It’s the perfect vibe for a cozy day in, or for keeping focused during work or studying.Ĭhilltendo 2 features music from The Legend of Zelda: Ocarina of Time and Twilight Princess, Pokemon X/Y and Gold/Silver, Super Mario 64 and Super Mario Galaxy, Super Smash Bros, Xenoblade Chronicles, and Okami. ![]() Warm piano and choral pads take center stage on “Agniratha”, the album’s opener mallets and music box melodies paint a picture of a rainy day on “Song of Storms” whispering flutes and percussive pizzicato continue to sparkle all throughout the album. ![]() ![]() Jokabi has a distinct approach to the lofi hip hop genre, with an emphasis on organic instrumentation and natural soundscapes. ![]() ![]() The boasting was definitely worth it, and this is without a doubt the best part of Far Cry Primal. Ubisoft has been gloating about the Takkar's ability to uniquely craft weapons and learn a series of life-saving skills since the announcement of the title was made public. Either way, it’s a unique way to weave both the setting and storyline directly into the gameplay. However, this might be a bailing point for the core crowd looking to immediately hack and slash their way to the top of the food chain. ![]() I think this simple mechanic will certainly appeal to those hardcore gamers looking for a fresh take on a somewhat exhausted genre. ![]() I was dying to know what the main purpose of the game was while also content with the sheer lack of direction. My first reaction to this opening concept was a mixture of intrigue and bewilderment. The initial entrance into Ubisoft’s world of Primal is set up very much like the time period it encompasses - players are thrown into an unknown land with no direction on where to go. ![]() The hype was certainly warranted for a game of this magnitude, however, I’m just not sure if it will live up to expectations, especially when it carries the flagship Far Cry moniker. While Ubisoft's newest edition definitely takes advantage of the lures that come along with an ancient way of life, its flaws lie within the fundamental composition of what a true open world sandbox adventure is all about. The good news is Far Cry Primal is no exception - players begin their journey as Takkar, a true survivalist armed with nothing more than a loincloth and the instincts of his Wenja warrior tribe. 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