"... In PAGE 7: ...7 for an undetermined amount of financial loss. The Ernst and Young survey further discovered that financial losses come from several causes listed in Table1 (Violino 96). Security Problem resulting in financial losses sited above.... ..."

"... In PAGE 5: ... By contrast, since mistrust is pervasive even at high level of wealth (the percentage of people who do not trust others drops only from 66% in the bottom quartile of the wealth distribution to 62% at the top), the trust-based explanation can easily account for lack of participation even among the wealthiest. Furthermore, as Table1 documents, the fraction of wealthy people who do not participate varies across countries. Explaining these differences only with the fixed cost of entry would require even more unrealistic differences in the level of entry costs.... In PAGE 13: ...Table 2, it is plausible to assume that when p = 0 the costs of participation are such that every investor with wealth below the median never participate in the stock market. In a high- trust country such as the United States, roughly 50% of household invests in the stock market ( Table1 ). By contrast, in a low-trust country such as Italy only 8.... In PAGE 50: ... The table reports the probit estimates, calculated as the effect on the LHS of a marginal change in the RHS variable computed at the average value of the RHS variables. All household characteristics, which are defined in Table1 , are assumed to be those of the household head. Standard errors are reported in parenthesis.... In PAGE 51: ... The table reports the probit estimates, calculated as the effect on the LHS of a marginal change in the RHS variable computed at the average value of the RHS variables. All household characteristics, which are defined in Table1 , are assumed to be those of the household head. Standard errors are reported in parenthesis.... ..."

"... In PAGE 14: ...0 Source: World Bank World Tables; Lesotho Policy Feamework Paper 1997-99; Uganda Background to the Budget 1996-97; Kenya Economic Surveys various. What is of more interest is the behaviour of the financial markets in the informal and rural sectors, as summarised in Table3 . As shown there, the volume of agricultural credit, as reported by the central statistical office, showed no significant change as between the pre-financial reform period and the post-financial reform period in any of our case-study countries, except in Malawi where the volume of institutional farm credit sank sharply during the period 1993-6 .... In PAGE 16: ... It is useful to cross-check these findings with on-the ground surveys of access to financial services, not only because more dollars disbursed does not necessarily mean more people being able to access credit, but also because more people being able to obtain credit is potentially quite consistent with a decline in credit access among the poorest groups. We have data on access to financial services amongst rural communities in each of the countries examined, but only for a sample of two or three areas in each country, as specified in the notes to Table3 , and only for the years 1992-97. These data, summarised in the final column of Table 3 are broken down by recipient household in Table 4.... In PAGE 16: ... We have data on access to financial services amongst rural communities in each of the countries examined, but only for a sample of two or three areas in each country, as specified in the notes to Table 3, and only for the years 1992-97. These data, summarised in the final column of Table3 are broken down by recipient household in Table 4. We discover: (i) that that in the two countries where NGO credit provision has increased sharply over the 1990s - Kenya and Uganda - access, in the shape of the percentage of households sampled who have access to financial services - has risen, from 13 to 25 per cent in Kenya and from 9 to 21 per cent in Uganda.... ..."

"... In PAGE 21: ... Financial and Operational Outcomes What were the outcomes of conciliation in our sample of cases? Our survey was conducted on average about two years after the agreements were signed; it is possible to gauge early impacts, although clearly the story is still unfolding in may of these firmns. In terms of financial restructuring, court conciliations provided only for debt relief -- either write-offs or reschedulings ( Table7 ). There were in practice no debt-equity swaps or new credits as in some bank conciliations.... ..."

"... In PAGE 46: ...nflows). Negative benefits are like costs. Except for IDA withdrawals, all inflows for treatments and controls come from the survey. Table2 lists the types of inflows. 4.... ..."

"... In PAGE 12: ... Finally, survey participants included 61 Canadian firms listed in the Financial Post Directory of Directors (1993). Table1 presents a breakdown of survey sample sent by province. Since our non-random sample comprises of most Canadian firms with business interests in Asian-Pacific countries, statistical extension to the population is appropriate.... ..."

"... In PAGE 13: ...9%) the total responses. However, classified by level of government ( Table5 ), organisations represented in the overall sample were distributed consistently with underlying population proportions, as confirmed by non-response bias tests. A summary of considerations relevant to the performance of other statistical tests of the survey data appears in the Appendix.... In PAGE 15: ...Table5 Factorial criteria in outsourcing decisions (n = 116) Descriptives Quality amp; customer- related factors Cost amp; financial factors Contractor control amp; performance factors Staffing amp; labour-related factors Other Factor/s Mean 20.9% 37.... ..."

"... In PAGE 12: ...irms in different countries that are widely held , i.e. have no chain of control by an ultimate owner of greater than 10% of voting rights. Table3 records that in our core sample of fourteen advanced countries accounting standards are highest in Sweden and the UK and lowest in Spain. CIFAR conclude that The form and contents of annual reports published by industrial companies from different countries vary widely.... In PAGE 12: ... They attribute the timeliness of common law systems to their greater reliance on public disclosure of information and their conservatism to the stronger requirement for disclosure of economic losses than in civil law systems. Table3 records some variation in accounting standards within common law countries but less than between common and civil law countries. Ball, Kothari and Robin also report variations within common and civil law systems.... In PAGE 13: ... Australia, Canada and Japan have intermediate levels of concentration and Continental Europe has high levels of concentration. [ Table3 here] Table 3 reports that the concentration of the banking system is positively correlated with both accounting standards and ownership concentration and that accounting standards are negatively correlated with ownership concentration. There is a negative correlation between accounting standards and growth (-0.... In PAGE 13: ... Australia, Canada and Japan have intermediate levels of concentration and Continental Europe has high levels of concentration. [Table 3 here] Table3 reports that the concentration of the banking system is positively correlated with both accounting standards and ownership concentration and that accounting standards are negatively correlated with ownership concentration. There is a negative correlation between accounting standards and growth (-0.... In PAGE 38: ...e. in which there is not a chain of control from an ultimate owner of at least 10% of voting rights), Table3 B , La Porta et al. (1999).... ..."

"... In PAGE 13: ... The purpose of economic impact studies is to measure the economic return to residents. The difference between the two approaches is illustrated in Table2 which shows that on a typical financial balance sheet, a park and recreation agency would report a return of $7,000 from the softball tournament. However, if the agency used an economic balance sheet, as tourism agencies do, then it would show a $50,000 return.... In PAGE 13: ... This is the more appropriate measure because it is residents in the jurisdiction who paid the capital and operating costs of the softball complex, and it is the residents who receive the new dollars that come into the community from visitors participating in the tournament. If the capital cost of the softball complex was $1 million, then the investment would pay for itself after 20 tournaments ( Table2 ). (Assuming that no operational expenses were incurred for the tournament beyond those required for normal maintenance).... ..."