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The purpose of the current study is to identify variables that, when integrated into the random effects parametric survival model, could be used to forecast the failure rate of small banks in the USA. A bank’s income production, efficiency and costs were taken into consideration when choosing the internal components. The breakout of the financial crisis, bank regulations that affect how the banking sector operates and the federal funds rate are the primary external variables.

This study uses the random effects parametric survival model to investigate the causes of small bank failures in the USA from 1996 to 2019. The study identifies several characteristics that failed banks frequently display. The main indications that may help to identify the elevated risk of small bank failures include the ROA, the cost of funds, the ratio of noninterest income to assets, the ratio of loan and lease losses to assets, noninterest expenses and core capital (leverage) ratio to assets. Economic disruptions, financial market distress and industry-based regulatory redress by the government exacerbate the financial distress borne by small banks.

The study revealed that a failed bank typically demonstrates a certain number of characteristics. The key factors that might assist identify which bank would be most likely to collapse include the cost of funding earning assets, the yield on earning assets, core Capital (leverage) ratio to assets, loan and lease loss provision to assets, noninterest expense and noninterest income to assets. Additionally, when a financial crisis occurs or the government changes regulations that could raise the cost of compliance for small banks, the likelihood that a bank will fail increases.

Models based on survival theories are more suitable when the authors examine bank failure as a unique event that happens gradually. The authors use a random effects parametric survival model to investigate the internal and external factors that may influence prospective small bank failure. This model has been developed and used in the medicinal research field. The authors do not choose the Cox proportional hazards model because it does not work well with panel data.

Bank failures are critical events that have far-reaching implications for the financial system and various stakeholders. This study aims to focus on analyzing the phenomenon of small bank failures in the USA.

This study adopts the coarsened exact matching (CEM) technique to enhance the reliability of the analysis. By matching similar observed characteristics, the CEM approach helps to address potential selectivity bias and facilitates a more accurate estimation of the treatment effect. This study uses a data set covering the period from 2000 through 2019 and includes 523 failed bank observations and 43,605 nonfailed bank observations.

The results reveal several key findings. Small banks, especially those with lower yields on earning assets, those with lower charge-offs on loans and leases, those with higher core capital ratios and those with higher Fed Funds rates are found to be more susceptible to failure.

Some results align with initial predictions, whereas others present contrasting outcomes.

This study underscores the significance of understanding the factors contributing to bank failure and emphasizes the importance of studying small bank failures in particular.

This study uses the CEM method. CEM is a comprehensive approach that combines matching, sample trimming and reweighting techniques. When applying CEM, researchers carefully select a set of core variables to achieve balance between the treated and control groups. The CEM process involves discretizing each continuous variable into distinct bins or categories, a process known as “coarsening.” It then requires an exact match among these binned variables between the treated and control units, which constitutes the matching step in CEM.

This study focuses on unintended negative consequences of IT, called technostress. Given that employees are recognized as a major information security threat, it makes sense to investigate how technostress resulting from employees' constant interaction with IT influences the likelihood of security incidents. Although past research studied the concept of security-related technostress, the effect of IT use itself on employees’ extra-role activities such as security-related behaviors is unanswered. Thus, this paper aims to provide an understanding of the negative impact of technostress on employee information security policy (ISP) compliance.

Drawing on technostress literature, this research develops a research model that investigates the effect of technostress on employee intention to violate ISPs. It also extends the dimensionality of technostress construct by adding a new dimension called “techno-unreliability” that shows promising results. The authors use online survey data from a sample of 356 employees who have technology-based professions. We apply the structural equation modeling technique to evaluate the proposed research model.

Findings showed that IT use imposes high-level perceptions of a set of technostress creators, which makes users rationalize their ISP violations and engage in non-compliant behaviors. Further analysis of each dimension of technostress showed that techno-complexity, techno-invasion and techno-insecurity account for higher ISP non-compliant behaviors.

This study provides a new understanding of technostress to the context of information security and emphasizes on its negative impact on employee ISP compliance behaviors.

The purpose of this case study is to explore the first-hand aftermath of the effects bestowed upon the travel industry by the coronavirus. To connect the effects to a real-life example, a particular hotel is being used as the reference point. Its ups, its downs and its day-to-day operations are reflected upon within the case study.

A real-life approach to this case was taken. To simplify and to further explain each of the concepts presented, mentioned and explained, the author referred back to the subject hotel, which has experienced its ups and downs owing to the coronavirus pandemic. The author has also discussed the benefits and drawbacks of each of the concepts explained within the case as well, along with real-life examples of other hotels and their specific experiences.

It was founded that economy hotels are faring better than most, if not all midscale and upscale properties. This success is attributed to multiple reasons: the availability and acceptability of contactless payments through Cash App and Venmo, the exterior access to the guestrooms, through the parking lot, rather than a hallway.

This case, in the author’s humble opinion, is as original as can be. Many concepts that are prominent within the business were mentioned, and further explained them and their relevancy by connecting it to the subject hotel, which too has experienced the effects of coronavirus – and the effects of the executive actions that were implemented in response of the virus.

The purpose of this paper is to examine the process of transformational organizational change that occurred over time in a small manufacturing firm using the conceptual framework of organizational change and archetypes.

This longitudinal study – which is based on six cycles of interviews with all members of the firm over a two‐year period – examined how the change attempt was perceived by the strategic leadership, middle‐level managers, and lower‐level employees.

The findings suggest that the pace of archetypal change is influenced by organization members' experience with, and capacity to, assimilate the change; that, sequentially, new structures and systems are implemented prior to new interpretive schemes; and that unresolved excursions are non‐linear. These findings question the conventional wisdom about the importance of leadership in sustaining organizational transformation. Most notably, it was found that most of the archetypal change occurred after the initiating change agent (a new CEO) had left the firm and been replaced by the previous CEO who did not support the proposed changes.

The paper offers the first longitudinal study to examine the issue of substitutes for strategic leadership. In addition to two new substitutes that should be considered at this level of analysis – information systems and interpretive schemes – the data also point to the impact of collective action by mid‐level supervisors and employees.

This paper proposes a complementary strategy that works in conjunction with physical restraint and which seeks to address dysfunctional thinking patterns thought to be contributory to the maintenance of the emotion of anger during an incident of aggression. The paper also includes a clinical case example to illustrate a variety of techniques that are designed to engage, challenge and dispute negative automatic thoughts and expressed verbal dialogue in an individual who requires restraint due to his aggressive and potentially harmful behaviour, which is driven by anger.

ON MONDAY the fifteenth of June 1215 the profligate King John came down from Windsor Castle to Runnymede to keep an important appointment with the Barons of the Realm encamped at Staines. Tall, glowering, with a paunch from licentious living he listened to the ‘Articles of the Barons’ before reluctantly affixing his Great Seal. These articles drafted in the form of a royal charter promised a return of ‘ancient and accustomed liberties’ putting an end to the arbitrary and unjust rule that the King exercised over his subjects. Thus the most famous possession of the Salisbury Cathedral Library came into existence, the ‘Magna Carta’ or Great Charter upon which our political and legal history is founded.

Presents over sixty abstracts summarising the 1999 Employment Research Unit annual conference held at the University of Cardiff. Explores the multiple impacts of globalization on work and employment in contemporary organizations. Covers the human resource management implications of organizational responses to globalization. Examines the theoretical, methodological, empirical and comparative issues pertaining to competitiveness and the management of human resources, the impact of organisational strategies and international production on the workplace, the organization of labour markets, human resource development, cultural change in organisations, trade union responses, and trans‐national corporations. Cites many case studies showing how globalization has brought a lot of opportunities together with much change both to the employee and the employer. Considers the threats to existing cultures, structures and systems.

We've all of us suffered from the so‐called computer error — the ever‐repeating bill flopping through the letterbox, or the more serious print‐out failure holding up a giro cheque. However, these could be considered minor irritations compared to a complete systems failure, particularly if it's your firm's computer that has packed up. Insurance cover against such breakdown is particular and detailed. John Vann examines one major insurer's computer policy; outlines a tailor‐made policy for small computer systems; and points to one company that even covers computer fraud.

AS J. L. Hobbs shows so clearly in his recent book, the interest in local history is growing enormously at present. The universities, training colleges and schools, as well as the institutions of further education, are all making more use of local studies—geographical, economic, social and historical—in their regular courses, in their advanced work, and in their publications.