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Accounting for Self-Insurance--Theory and Practice
This study is an investigation of the theoretical accounting viewpoints and the accounting procedures used in business practice for the origination and administration of a self-insurance program. The purpose of this study is to compare the correct theoretical accounting procedures for self-insurance planning with those used in practice today.
Adjusting the Commercial Curriculum of Denton Senior High School, Denton, Texas, to the Needs of the Community
This study was made: first, to determine the vocational opportunities for commercial graduates of Denton Senior High School as a basis for more effective guidance; second, to determine whether the commercial training program in the local high school is providing adequate vocational preparation for the principal commercial positions in Denton, Texas, third, to discover the chief commercial weaknesses of the present employees in Denton, Texas; fourth, to secure information necessary for appropriate commercial curriculum for the local high school. It is the further aim of this investigation to determine the social as well as the personal business needs of the average individuals." --leaf 1
Advantages of Marginal Costing as Compared to the Hour Rate or Normal Costing Now Used as the Basis of Price Determination in the Forms Division
This thesis is designed to emphasize and illustrate that marginal costing is a tool of management that can make clear the how, when, why, and wherefor of the price determining affect and its results.
Advertising and Promotional Procedure as Practiced by Five Dallas Department Stores
The problem with which this paper is concerned is to observe and appraise the retail advertising and promotional procedure of five of the Dallas department stores. After observing their advertising methods, an attempt will be made to conclude whether their efficiency might be increased through use of different advertising and promotional policies.
An Analysis, as Revealed by the Wire Recorder, of the Methods Used by Ten Selected Business Mathematics Students in Solving Stated Problems
Many studies have been made concerning the difficulties which business mathematics students have in solving stated problems. Such studies have been made by analyzing the student's errors as they appear on written solutions to problems, and, as a result, many errors are overlooked. Errors in the thinking process, and failure to read the problem a sufficient number of times are responsible for many errors made by students. Such errors are not apparent on written solutions, but would be revealed through oral solutions as recorded on a wire recorder. The purpose of this study, then, is to analyze the errors revealed by a wire recorder, along with errors on written solutions, and to classify and tabulate the errors from both sources.
An Analysis of Administrative Information-Handling Technologies and Strategies for Developing Integrated Office Systems in Texas-Based Public Corporations
Office operations are on the verge of a major technological transition. The current approach of continually adding newer and faster stand-alone office support devices has not solved long term administrative productivity problems. The transition will focus attention on a total integration of office technologies. This dissertation focused upon the key office technologies currently available in the marketplace and then concentrated on Texas-based public corporations1 use and desire for these tools. The major thrust of this research was to examine the relationship of a company's annual sales, industry type and geographic operation type with its present level of technological sophistication, strategies toward office systems and the optimum office configuration.
An Analysis of Personnel Programs Currently in Use in Selected Texas Banks
It is the purpose of this study to survey and appraise the personnel programs currently in use in selected Texas banks.
An Analysis of the Correspondence-improvement Program at Great American Reserve Insurance Company Dallas, Texas
A preliminary purpose of this study in the area of business communications was that of determining the status of correspondence improvement in stock life insurance companies in Dallas. However, the major purpose, which stemmed from the preliminary one, was to study intensively the approach used in Great American.
Analysis of the Financing of Church Building Programs
This study was an analysis of current financing of building programs of selected Protestant churches in the State of Texas.
An Analysis of the Progress of Unions in Organizing Professional Engineers
The problems of this research report were threefold: 1. To trace the history of the unionization of engineers from its inception to the present time. 2. To present the arguments of those individuals and groups who practice and favor engineering unionization, and to set fort the counter-arguments of those individuals and groups who reject unionization for engineers. 3. To summarize the facts and opinions discovered and, in view of these findings, to draw conclusions on the merits and the trend of engineering unionization.
An Analysis of the Utilization of the Materials Management Concept by Selected Public Utilities in Texas
Materials management is an integrative approach to control the flow of production materials. It has been successfully practiced by numerous manufacturing firms to decrease materials cost and improve the employment of scarce resources. The need for better utilization of resources is also prevalent in service sector industries. This dissertation focused on the public utilities industry and its practices in the materials management area. Major emphasis of this research was to (1) define the state-of-the-art of materials management within the gas and electric utilities in Texas, (2) determine its impact on the corporate structure, and (3) identify opportunities for materials management in the future of the Texas utilities industry.
The Applicability of Conjoint Measurement to the Selection Process of Professional Sales Personnel
The study examines the potential of conjoint analysis to provide and apply quantitative data to situations previously limited to non-quantitative analysis within the selection process. Chapter I presents a brief introduction to the sales force selection process. A discussion of the importance of effective selection to the organization as well as an explanation of the objectives, methodology, research questions, and limitations complete the chapter. Chapter II provides a detailed description of the contemporary sales force selection process. The chapter explains the objective and subjective activities and techniques utilized by management in selection decisions. Chapter III describes the steps involved in conjoint analysis and the specific conjoint measurement technique employed in the study. The questionnaire employed and the source of data are described in Chapter IV. An analysis of the results of the research completes the chapter. Chapter V presents the summary, conclusions, and recommendations of the study.
Application of Stochastic Decision Models to Solid Waste Management
This research applies stochastic decision tree analytical techniques to a decision of the type a small community may face when choosing a solid waste disposal system from among several alternatives. Specifically targeted are those situations in which a community finds itself (1) lying at or near the boundary of a central planning area, (2) in a position to exercise one of several disposal options, and (3) has access to the data base on solid waste which has been systematically developed by a central planning agency. The options available may or may not be optimal in terms of total cost, either to the community or to adjacent communities which participate in centrally coordinated or jointly organized activities. The study suggests that stochastic simulation models, drawing upon a data base developed by central planning agencies in cases where local data are inadequate or not available, can be useful in evaluating disposal alternatives at the community level. Further, the decision tree can be usefully employed to communicate results of the analysis. Some important areas of further research on the small community disposal system selection problem are noted.
The Banker's Acceptance: An Examination and Analysis of the Instrument and Market
The purpose of this dissertation is to examine and analyze the banker's acceptance and the bankers' acceptance market. A banker's acceptance is a money market instrument used to finance the export, import, movement, and storage of goods; it begins as a trade draft, and it is termed accepted when a commercial bank guarantees payment. The banker's acceptance represents an historical evolution of the medieval bill of exchange. The banker's acceptance as we know it today first appeared in England in the 1820s. The birth of the banker's acceptance in the United States occurred with passage of the Federal Reserve Act in 1913. A survey was made of the twenty largest U.S. commercial banks in order to determine certain perceived characteristics of the banker's acceptance and the bankers' acceptance market. As a result of the survey, a new money market instrument is suggested. The new money market instrument is to be called a Banker's Acceptance Participation Certificate.
A Case Study of the Personnel Program in Moore Business Forms, Incorporated
The specific purposes of this investigation, therefore, are (1) to determine any general pattern in the development of different phases of personnel programs in different firms; and (2) to make an intensive case study of the development of the personnel program in one organization--Moore Business Forms, Incorporated--which might serve as a guide for similar studies in other firms.
Centralized Purchasing Arrangements in a Selected Group of Oil Companies in the Southwest
The purpose of the study is threefold: (1) to make a survey of the type of purchasing organizations used by a selected number of oil companies operating in the Southwest, (2) to determine the extent or degree of centralized purchasing used by these firms, and (3) to evaluate briefly the organizational arrangements found in light of accepted principles.
Combined Leverage and the Volatility of Stock Prices
Much has been written during the past decade to explain the relationship between financial and operating leverage and stock-price volatility. However, the relationship between combined leverage and stock-price volatility has yet to be fully explored. Mandelker and Rhee's (MR) recent study uses both operating and financial leverage in a regression (equivalent to the traditional total leverage—DTL) and shows that both types of leverage are positively associated with common stock betas. Huffman recently demonstrated that there are interactions between operating leverage and financial leverage. Therefore, MR's model could be oversimplified. This study examines the relationship between firms' combined leverage and their stock-price volatility. The study also examines industry and industry growth to see if the relationship is influenced by these factors. The question is whether DOCL is a better risk measure than DTL and whether there is an interaction between operating and financial leverage. The inferences that can be drawn from the study's results are as follows: (a) Stock risk is a function of combined leverage; (b) Industry significantly influences the relationship between stock risk and DOCL; (c) High growth increases the relationship between stock risk and DOCL; (d) Combined leverage (DOCL) is a better risk measure than total leverage (DTL). Further, the problem with the traditional total leverage measure is the omission of the interaction between DOL and DFL. This is consistent with Huffman's theory and suggests Mandelker and Rhee's model is oversimplified.
Community Leadership and Economic Growth
This study is concerned with discovering relationships between community power structures and economic growth. The economic growth in selected Northeast Texas counties and their major cities is compared with the power structures in each of these communities during the 1944 through 1968 period.
Comparative Advertising as Corporate Strategy: An Investigation of Key United States Industries
This study is designed to examine comparative advertising as a viable advertising strategy in today's competitive business environment. Frequency and use of comparisons by the selected key industries and advertising agencies are investigated. Analysis is conducted to determine similarities and differences between firms who elect or avoid comparative advertising. Based on an analysis of the findings, certain conclusions are presented. The industry leader is not likely to use comparative advertising in most industries. Firms that are fourth or smaller in market share are most likely to use comparisons. However, the smallest firms, in terms of dollar sales volume, are least likely to use comparative advertising.
A Comparative Study of Odessa College, Odessa, Texas, with Business Colleges in the Odessa Area to Determine the Effectiveness of Training Received by Business Students
The potential college students of the Odessa area need to know which type of school best suits their personal needs. The area around Odessa offers the highest paid secretarial Jobs in the state, with some 500 oil and oil supply firms employing from one to fifty full-time secretaries, with salaries ranging from $200 to 4325 per month. The opportunities for accountants, bookkeepers and auditors in the Odessa area is unlimited, and they earn from 4350 to $450 per month. The Odessa area also employs approximately 30 business teachers. 1 The. high school graduate is often at a loss as to whether to take advantage of a business course in a private business college in Odessa or whether to study business administration for one or two years at the local junior college, either in preparation for a job or for additional education at another college or university. A great deal of time and money may be wasted if a potential student attends the school that does not fulfill his needs. In view of the above, the purpose of this study is to make comparisons between the two types of schools in an effort to determine the type of school most suited for each student, and to pave the way for improvements in business education in that area. These facts will be helpful in planning the future curriculum and expansion of Odessa College and the possible establishment of a business school in connection with Odessa College.
A Comparative Study of the Content and Method of Presentation Found in Twenty-Nine Typewriting Textbooks
The twenty-nine typewriting texts which form the basis for this study are a sample of those currently used in the field of typewriting instruction. The purpose of this study is to see how they agree or where they disagree in the material offered and the way in which it is presented.
A Comparative Study of the Experiences of both Companies and Unions with Stock Ownership Plans for Employees
The purpose of this study is to gain answers an opinions from both companies offering stock ownership plans for their employees and from unions who participate or have members that participate in plans. In order to obtain answers from both companies and unions concerning plans, this study describes broadly the types of plans that are now in existence. An attempt was made to determine the most popular features of stock plans from both company and union viewpoint, and where possible, to gain recommendations leading to the formulation of more efficient and more popular plans.
A Comparative Study of the Retirement and Survivors Benefits under the Proposed Social Security Amendment, as Amended in House Bill 6000, and under the Texas Teacher Retirement System
The problem of this study is to compare the retirement benefits under the federal Social Security System, as proposed in House Bill 6000, the retirement benefits under the Texas Teachers Retirement System, and the retirement annuities of private insurance companies. Further, the study will compare the survivors benefits under the proposed Social Security amendment and under the Texas Teacher Retirement System. Last, the study will compare the general nature and principles of the proposed Social Security amendment with those of the Texas Teacher Retirement System.
A Comparison of Elderly Segments on Prepurchase Information Sources
The purpose of this research was to determine if differences exist between the young/old (55-74) and the old/old (75+) regarding external search behavior and the importance of information sources.
A Comparison of Insurace Curricula of Accredited Colleges and Universities in Texas with the Curricula Recommended by 100 Selected Insurance Companies Operating in the State of Texas
This study was undertaken to determine whether the curricula of the colleges and universities are meeting the needs of the growing insurance industry. This study will determine, first, whether the insurance curricula of the accredited four-year colleges and universities in the state of Texas fulfill the needs of the insurance industry as reported by 100 selected insurance companies operating in the state of Texas. Second, this study will compare the insurance program at North Texas State College with the programs of other accredited colleges and universities in Texas. Third, from the foregoing analysis this study will attempt to determine whether the insurance program at North Texas State College could be improved. As a final consideration, this study will determine whether the insurance companies desire colleges and universities to offer special short courses for their insurance personnel.
A Comparison of Selected Factors in Undergraduate Programs in Business Teacher Education in Texas with Criteria Recommended for Business Teacher Education, 1956
The purpose of this study was to compare selected factors in undergraduate programs in business teacher education in Texas with criteria recommended for business teacher education. The factors selected were: (1) the business teacher education curriculum, (2) professional laboratory experiences of prospective business teachers, and (3) educational preparation, experience, and professional activities of the business education college faculty.
A Comparison of the Qualifications of Junior College Business Education Teachers in Texas with the Qualifications Desired by Junior College Presidents
The purpose of this investigation was twofold, namely: 1. To determine the personal characteristics and qualifications of the junior college business teachers in Texas; 2. To determine how well these characteristics match the desired qualifications given by college hiring personnel--presidents.
A Comprehensive Competitive Advantage Construct: Its Theory and Operationalization
Competitive advantage (CA) is an intuitively evident concept which has been widely used in theoretical research in strategy. But CA's diffuse image and its dynamic nature make it a difficult concept to apply. The purpose of this study was to develop a comprehensive (or macro) CA construct capable of being applied in an empirical manner across a broad spectrum of business situations. This objective required both an adequate grounding of the CA concept within its nomological- net of theories and a new operationalization approach.
The Cooperative Movement and its Influence in Denton County
Cooperation is a subject which has intrigued the writer for some time. A study of the philosophy, history and accomplishments of the cooperative movement was begun, due to the interest of the study. In Denton County, Texas, the cooperatives have, for the past few years, been making such rapid progress that a study of the inception, growth and success of these societies seemed indicated. In spite of the broad field of study this subjected presented, it seemed necessary to review the cooperative movement before the local cooperatives could be properly interpreted. This was Done. Numerous books and magazine articles pertaining to cooperation were read. In making this library study, the writer tried to delve into the underlying philosophy of the cooperative movement. Those countries in which cooperation has made greatest strides were given particular attention in order to try to find the secret of their success. After this library approach was completed, the various cooperative societies of Denton County were visited. The writer talked with the leaders of the societies, obtained copies of the by-laws of each organization, examined financial statements, and attempted to analyze the purposes, the accomplishments, and the possibilities of the future success of these organizations.
Decentralization of Managerial Authority
This study of decentralization of managerial authority looks at the nature of authority and its relationship to organizations; factors which indicate a basis for greater decentralization of managerial authority; case studies of corporations that decentralized managerial authority; and the human relations aspects of decentralization of authority.
A Description and Analysis of the Channels of Distribution for Food Products in the State of Kuwait
This study is intended, first, to describe and analyze the channels of distribution for food products in the State of Kuwait, second, to pinpoint the problems that exist in the food-distribution system, and, third, to make specific recommendations for the alleviation of the problems. Consistent with the objectives of the study and based on the description and analysis of the food-distribution system in the country, it is concluded in the study that Kuwait depends on imports for virtually all of its food; the government plays a major role in the food-distribution system; and the majority of food wholesaling and retailing establishments are small, inefficient, and lack modern marketing and physical distribution techniques. Product shortages and rising food prices plague the food-distribution system in the country. Also, the findings indicate that consumers in Kuwait are generally ignorant and uninformed in the areas of food nutrition and food shopping, and the lack of standardization and grading of food products makes the shopping task of the consumer more difficult.
A Description and Analysis of the Channels of Distribution in the Cotton Textile Industry of India
The channels of distribution of the Indian Cotton Textile Industry present an interesting problem of economic development in a mixed economy where private and public corporations cooperate to achieve national objectives. This study was designed to describe and analyze the channels of distribution of cotton textiles in India, to specify the shortcomings that exist in the present distribution system, and to make recommendations to improve the efficiency of cotton textile distribution in India. There are always problems involved in collecting primary and even secondary data from a developing country like India. Therefore, mainly a comprehensive library research was conducted pertaining to the Indian Cotton Textile Industry and its distribution system. The secondary sources were published government reports, documents, monographs, books, articles, and trade associations reports.
The Development and Implementation of an Effective Loan Officer Training Program in a Commercial Bank
The research attempts to determine how an effective loan officer training program should be designed and implemented in Texas Commerce Bank. A comprehensive program would prepare newly hired college graduates for positions as commercial lending officers as quickly, thoroughly, and effectively as possible. In order to accomplish this objective, three steps are necessary in the research. The first step is to determine the generally accepted principles of training and development. Application of these principles in a program certainly increases the likelihood of successful training results. The second step is to survey a sample of the banking industry to determine what approaches to this problem are currently in use by other banks. If successful procedures, techniques, or ideas are now working for banks similar to Texas Commerce, perhaps they can be adapted to work in this bank. The final step in designing the program is to tailor the gathered information for the specific needs of Texas Commerce. The purpose of this step is to assure that the principles of step one and the successful approaches from step two are realistically and specifically matched with the training needs at Texas Commerce Bank.
Development of a Generalized Approach to Establishing Work Measurement Programs in Commercial Banks
The purpose of this research is to recommend a set of comprehensive management plans to guide the establishment and operation of work measurement programs in commercial banks.
Development of a Printing Curriculum for Colleges and Universities
The purpose of this study is, first, to determine the justification for a graphic arts program in the institutions of higher learning, and, second,--if such a program is justified--to formulate a curriculum designed to fulfill the needs of the student and the printing industry.
The Development of a Series of Objective Examinations for Cost Accounting by Adolph Matz, Othel J. Curry, and George W. Frank
In order that the task of student evaluation will be simplified, that the final evaluations will be more accurate, and that instructors and professors in the field of cost accounting will have more time available for research and study, the purpose of this study is to make available a series of valid and reliable objective examinations to instructors and professors who adopt Cost Accounting by Adolph Matz, Othel J. Curry, and George W. Prank as a textbook.
Development of a Workbook for Business Mathematics Based on the Needs of Students of Business at North Texas State Teachers College
The problem of this study is to determine the needs of students who are majoring in business and to design a workbook that will best prepare these students for the business courses offered at North Texas State Teachers College and for the problems of everyday life.
Development of Consumer Product Manufacturer's Liability Through Passage of Federal and State Legislation and Case Interpretation
This research examined the development of consumer product manufacturer's liability between 1890 and 1981. h large percentage of the manufacturers were involved in monopolies, suppression of free trade, price conspiracies, and fraudulent advertisments. Negligence in design and manufacture frequently resulted in defective products. Responsible writers exposed: dangerous foods; chemicals; insecticides; unethical manufacturing methods; and numerous injuries or deaths from defective consumer products. Three periods of organized consumerism, 1890-1917, 19271941; and 1962-1981, created congressional pressure for consumer-oriented legislation. Five presidents used the power of their offices to pressure congress to protect the public. The states adopted the federal Workmen's Compensation Law of 1908 to provide assistance for individuals who suffered job-related injuries or death. Additional consumer-oriented laws enabled injured workers to sue for damages through the courts. Organized women's clubs worked through industrial representatives and congress to correct flagrant manufacturing abuses and establish standards.
Development of Industrial Management Curriculum for North Texas State College
This thesis will concentrate on a two-fold purpose: first, to determine whether an industrial management program at North Texas State College is justified; and second, to present a broad outline that will form a foundation upon which the content of such a program can be based.
Development of the Commercial Curricula in the Secondary Schools of Texas
The purpose of this study is to trace the growth and development of the commercial curricula in the secondary schools of Texas and to relate the changes in aims and objectives of such curricula in such a way that a reading of it will furnish a concise, definite, and clear understanding of what has happened in the past.
Development of the Punched Card Registration System at North Texas State College
This study presents a history of the development and implementation of a punched card registration system in North Texas State College. The study also covers planning stages of registration materials, and a description of the various stages and processes involved in a typical semester from pre-registration preparations through posting the student's grades to the permanent record. To help fill the need for ready reference to methods used in various institutions across the nation, this study will present a history of the development and implementation of a punched card registration system in North Texas State College, with emphasis placed upon those areas of probable major interest to other colleges faced with a similar problem. The study will cover planning stages of registration materials, and will then present a a description of the various stages and processes involved in a typical semester from pre-registration preparations through posting the student's grades to the permanent record.
Distinctive Features of the Military Preparatory School
The purposes of this study are: (1) to analyze the military system of education and discipline developed and employed by the preparatory institutions of the United States which combine military training with academic training; (2) to show that the military system of education compares favorably with that offered in secondary schools; and (3) that certain distinctive features are present in the military system of education and that these features are worthy of careful consideration by parent and student.
A Distributive Education Display Manual
The problem of this investigation is to prepare a merchandise display manual that can be used by the teacher-coordinator, students of distributive education, other trainees, training sponsors, and salespeople.
The Economic Status of the Classroom Teacher from 1925-45
The purpose of this study is to present a history of the progress made in advancing the welfare of teachers, to evaluate the trends in teachers' salaries over a period of twenty years, and to show the extent to which teacher retirement and teacher tenure laws have gained momentum in the United States. Recommendations for improvement will be made in cases where deficiencies exist.
Educational Requirements for the B.B.A. Degree in Personnel Management at Eight Texas Colleges and Field Recommendations
This thesis will present a course of study for prospective personnel managers as recommended by practicing personnel executives of selected industries in Dallas, Texas.
The Effect of Personality Characteristics on Information Selection, Utilization and Decision-Making
The problem with which this investigation is concerned is that of determining the role of personality in information acquisition and utilization during the decision-making process, by replicating the Schkade-Scarborough box design and the Kernan-Mojena chip design, using an expanded battery of psychological tests. This investigation seeks to accomplish the following objectives: (1) review and summarize the present literature which relates personality and binary decision behavior; (2) review and summarize the present literature which relates personality with information transmission and utilization; (3) administer the Minnesota Multiphasic Personality Inventory (NMPI), the Gordon Personal Inventory (GPI), the Gordon Personal Profile (GPP), EAS j, and LA1S0 to a group of subjects who will also participate in both the box and the chip experimental designs; (4) replicate both the box and the chip experimental designs with a different set of subjects to test for consistency of findings; (5) perform canonical analysis on the box design, endeavoring to extend and refine the analysis of the data; and (6) compare the findings from the box and chip experimental designs, and identify areas for further research. The purpose of this study is twofold. The first is to replicate and test the research findings of Schkade-Scarborough and Kernan-Mojena, which suggested that there is a statistically significant relationship between decision performance, as defined by a set of decision performance metrics, and personality, as defined by a set of psychological test scales. The second purpose is to test the hypothesis that the same psychological scales which are significantly related to decision performance, as defined by the box performance metrics, are also related to decision performance, as defined by the chip performance metric.
The Effects of Water Pollution Control Laws on Industrial Plant Location
The objective of this research is to determine the degree to which the recent antipollution laws will affect the location of industrial plants.
An Empirical Exploratory Audit Study of the Effectiveness of the Retail Buyer of Fashion Wearing Apparel in Meeting Constituent Markets' Wants and Needs
This study is designed as an exploratory empirical attempt to audit the effectiveness with which retail buyers select fashion wearing apparel that meets needs and wants of their constituent target markets. This study presents the retail buyer of fashion wearing apparel as the "gatekeeper" who controls the flow of apparel products through various "checkpoints" as these products move from producer to consumer, thus controlling product availability. This study has a three-fold purpose. The first is to determine if significant differences exist between retail buyers' selections (ratings) and constituent market selections (ratings) when given like; alternatives on manufacturing levels. The second is to determine whether differences exist between the extents to which department store retail buyers and specialty store retail buyers meet the needs and wants of their constituent markets. The third purpose is to determine if significant differences exist between sales performances of like and unlike retail buyer/consumer choices.
An Empirical Investigation into the Role of the Fundamental Economical Variables in the Determination of the Foreign Exchange Rates of Nine Countries, 1973-1978
This dissertation examines the role of the fundamental economic variables (price levels, interest rates, and income levels) in the determination of foreign exchange rates during the period 1973-1978. Purchasing power parity, the International Fisher Effect, and the relationship of exchange rates with income levels through the marginal propensity to import were integrated, as suggested by the literature, and a fairly reasonable specification of a model for exchange rate determination was measured. The results of speculation tests indicate destabilizing results for some currencies and stabilizing results for the others; the coefficient of expectation tests, however, lend support to the destabilizing hypothesis. The conclusion of the research, therefore, is that the exchange rates of the major industrial countries which are of prime importance to the international financier and investor, and to the student of international finance and trade, are primarily determined, not by the fundamental economic variables, but by speculative forces which are believed to be of a destabilizing nature.
An Empirical Study of the Performance of the Unit Commercial Banking System of the State of Texas
The purpose of this study is to evaluate the performance of the Texas unit commercial banking system in comparison with branch banking systems, limited area branching systems, and unit banking systems.
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