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Prediction of Bankruptcy Using Financial Ratios, Information Measures, National Economic Data and Texas Economic Data

Description: The main purpose of this study is to develop a bankruptcy prediction model for the small business firm. Data was collected from the Dallas Small Business Administration (SBA), making this study specific to its decision makers. Existing research has produced models which predominately use financial ratios and information measures either independently or combined, and a few research models have used economic trends. This study varies from past studies in that it includes regional economic variables from the states of Texas. A sample of three-year data for 138 firms included fifteen bankrupt firms. This proportion of bankrupt/nonbankrupt firms approximates the proportion of repayed/defaulted loans in the SBA. Stepwise regression, set at the .15 level of significance, reduced a total of fifty-three variables to nine. These nine variables were then used to test twelve predictive models. All twelve models tested improved the SBA repayment rate and only two of the twelve would have caused the SBA to deny loans to applicants who eventually repaid. The study determined the model that included financial ratios, information measures, and Texas economic variables as best. It was also demonstrated that some of the variables used in this model could be eliminated without decreasing the predictive power of the model. The best of twelve models improved the SBA default rate by 40 percent without denying a loan to any applicant that eventually repaid.
Date: December 1987
Creator: Moore, Ronald K. (Ronald Kenneth)
Partner: UNT Libraries

Texas Energy Banks: Problems and Prospects

Description: The forces that shaped banking practices in the late 1970s and which fostered attempts by the banks to rapidly expand their markets are examined. Why, and to what extent, the Texas energy banks committed themselves to the oil industry in those years, as well as the effects of the oil industry's four-and-one-half year decline on the banks' financial strength is detailed. How banks structured loans to various energy borrowers and why these borrowers lost their ability to service their debts is analyzed. The changes that the Texas banks' painfully learned lessons will bring about in energy and other specialized lending is considered.
Date: August 1987
Creator: Seley, Joan Bonness
Partner: UNT Libraries

Career Decisions and Job Values of Seniors in the College of Business Administration, North Texas State University

Description: Much has been done to promote the use of management techniques designed to develop human resources within the business enterprise. Unfortunately, most of these procedures are applied after the individual has become an employee of the firm. Similar management techniques are needed for the proper recruitment and placement of each new employee. A major source of employee dissatisfaction and turnover lies in the incapacity of some jobs to satisfy the aspirations and job values of certain types of employees. Therefore, one key to employment stability for the college graduate is the relative compatibility between his job values and the capacity of the job to provide fulfillment for those aspirations. Much needs to be done in the areas of predicting the job values of a college senior and matching the individual graduate with that job which is most apt to provide a productive and meaningful career. The purpose of this study is to investigate the relationships between grade point averages, job values, and career decisions as perceived by the Ma3 1973, graduating seniors of the College of Business Administration at North Texas State University, their professors, and their employment recruiters. The students provided background data such as grade point average, SAT scores, and marital status in addition to Likert-type rankings of family experiences and job values. The professors also provided rankings of their job values. Those employers who had interviewed seniors through the Business Employment Services office during the spring semester of 1973 ranked the same job values and selected student characteristics in accordance with the emphasis placed upon them during recruitment. Significant relationships were identified through the calculation of product-moment correlation coefficients. Comparisons were made utilizing t-tests of significance.
Date: August 1974
Creator: Burton, Gene E.
Partner: UNT Libraries

The Origination and Evolution of Double-Entry Bookkeeping to 1440

Description: The problem of this investigation is that of determining how double entry bookkeeping originated and evolved during the thirteenth, fourteenth and fifteenth century in mediaeval Italy and its influence on capital formation. The methodology of this study included the use of both primary and secondary sources of information. Great reliance was placed upon a direct examination of original documents found mainly in the State Archives of Genoa, Florence, Milan and Venice. Because this is basically a historical research, particular emphasis was given to the study and criticism of economic, political and religious conditions that most likely had a considerable influence on the creation and evolution of bookkeeping techniques and methods.
Date: May 1974
Creator: Martinelli, Alvaro
Partner: UNT Libraries

The Relationship between Identifiable Attributes and Decision-Making Ability of Purchasing Personnel as Measured by the Results of a Management Game

Description: This study investigated the relationship between certain biographical and personality characteristics and decision-making ability of purchasing personnel as measured by the results achieved in a complex management game.
Date: May 1973
Creator: Ellis, Norman Dean, 1933-
Partner: UNT Libraries

The Effect of Personality Characteristics on Information Selection, Utilization and Decision-Making

Description: 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.
Date: December 1972
Creator: Carothers, Samuel Gilbert, 1938-
Partner: UNT Libraries

An Inquiry into the Inevitability of Prediction Error in Investment Portfolio Models

Description: Many mathematical programming models of the selection of investment portfolios assume that the best portfolio at any given level of risk is the portfolio having the highest level of return. The expected level of return is defined as a linear combination of the expected returns of the individual investments contained within the portfolio,and risk is defined in terms of variance of return. This study uses Monte Carlo simulation to establish that if the estimates of the future returns on potential investments are unbiased, the steady-state return on the portfolio is overestimated by the procedure used in the standard models. Under reasonable assumptions concerning the parameters of the estimates of the various returns, this bias is quite sizeable, with the steady-state predicted return often overestimating the steady-state actual return by more than ten percentage points. In addition, it is shown that when the variances of the alternative potential investments are not all equal,a limitation on the variance of the portfolio will reduce the magnitude of the bias. In many reasonable cases, constraining the portfolio variance reduces the bias by a magnitude greater than the amount by which it reduces the predicted portfolio return, causing the steady-state actual return to rise. This implies that return cannot automatically be assumed to be a monotonic function of risk.
Date: December 1972
Creator: Valentine, Jerome Lynn
Partner: UNT Libraries

The Relationship Between Dogmatism and Neuroticism in Supervisors of Sheltered Workshops and Changes in the Self-Concept of Handicapped Employees

Description: The problem with which this investigation is concerned is whether or not dogmatism and neuroticism in supervisors of sheltered workshops is related to changes in the self-concept of handicapped employees. The measurements of dogmatism and neuroticism were accomplished through the use of Rokeach's Dogmatism Scale, (form E) and Winne's Neuroticism Scale. Pitt's Tennessee Self Concept Scale was used to measure the self-concept of the handicapped employees.
Date: December 1971
Creator: Whatley, Arthur Allen
Partner: UNT Libraries

The Extent of Obsolescence of Selected Canadian Business Managers

Description: The study's main purpose is to explore the problem of managerial obsolescence in Canada. The purpose is accomplished through establishing the importance of management techniques and concepts and through determining the managerial level of the understanding of these techniques and concepts. On the basis of the importance and understanding of management techniques and concepts, the study aims to develop an approach which would provide an approximation of the extent of management obsolescence.
Date: August 1970
Creator: Kothari, Vinay B.
Partner: UNT Libraries

Employee Satisfaction and Performance in Managerial and Non-Managerial Levels of a State Institution for the Mentally Retarded

Description: The present sbudy is an effort to seek information from a type of organization rarely studied along the lines of employee satisfaction's correlation to job performance—a state institution for the mentally retarded—which will shed significant light on the dynamics of this question. It is unique in that it focuses closely on the specific job duties of both managerial and non-managerial employees as a basis for understanding the relationship between employee satisfaction and performance.
Date: May 1969
Creator: Ramser, Charles D. (Charles David)
Partner: UNT Libraries

A Systematic Approach to Corporate Planning

Description: The fundamental purpose of this dissertation is to determine the extent to which many of the corporations within the United States are implementing formalized planning processes. The conditions surrounding the corporation have caused the movement toward a more systematic approach to corporate planning since there appears to be no better substitute for a formalized planning process to help assure the survival and growth of the firm.
Date: May 1969
Creator: Johanson, Richard (Richard Claude)
Partner: UNT Libraries

An Analysis of Bargaining Unit Determinations at Three Government Installations

Description: It was the purpose of this thesis (1) to examine and analyze criteria to be considered in appropriate unit determination; (2) to observe and analyze the unit determination experience, under Executive Order 10988, of three Government installations in the Supply and Maintenance Command, Department of the Army; and (3) to draw inferences, conclusions, and recommendations from the unit determination experience of these three installations.
Date: August 1966
Creator: Roach, Ed D.
Partner: UNT Libraries

PERT as a Management Tool

Description: The purpose of this study is to examine the three scheduling systems available today as a management tool. The first two systems--Milestone Reporting and Line-of-Balance--are essentially Gantt charts which do not appear to meet the requirements for management control of scheduling. An investigation of PERT is made to see if it will provide additional controls necessary for proper scheduling.
Date: June 1962
Creator: Ross, William Minor
Partner: UNT Libraries

A Comparative Analysis of the Business Administration Offerings with Special Emphasis upon Marketing in Thirty-two Senior Colleges of Texas with Similar Offerings at North Texas State College, 1954-1955

Description: In this study, a comparative analysis was made of the marketing courses offered in thirty-two senior colleges of Texas including the marketing courses offered at North Texas State College. An analysis was also made to determine what courses in business administration are being offered in the senior colleges in Texas.
Date: 1957
Creator: Bucklew, J. W.
Partner: UNT Libraries

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

Description: 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.
Date: 1957
Creator: Lyles, Henry Francis
Partner: UNT Libraries

A Comparison of Selected Factors in Undergraduate Programs in Business Teacher Education in Texas with Criteria Recommended for Business Teacher Education, 1956

Description: 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.
Date: 1956
Creator: Otey, Evelyn I.
Partner: UNT Libraries

Growth Based on Corporate Profits for Selected Periods, 1925-1954

Description: This study is one of five such studies dealing with the general subject of growth which have been undertaken recently in the School of Business of North Texas State College. This study is the third in the series and is concerned, as were the previous studies, with the general subject of growth. However, this third study is concerned with the compound annual rates of growth, during definite economic epochs, of net profit after taxes for more than 150 prominent corporations. The problem involved in this study is threefold: (1) to determine what constitutes growth, (2) to determine which corporations are growing, and (3) to determine as nearly as possible the growth characteristics of the corporations employed.
Date: 1956
Creator: Eldridge, Thomas Edwin
Partner: UNT Libraries

A Survey of the Qualifications, Duties, and Problems of the Business Manager in the Public School Business Office

Description: The problem of this study is to survey the business manager system in public schools in accordance with the accepted standards and common practices regarding the preparation necessary for a person interested in becoming a business manager. Specifically, forty-six of the average school districts in Texas are evaluated by means of data received in a questionnaire in order to determine the requirements these schools set up for a business manager.
Date: August 1954
Creator: Cook, Jimmie F.
Partner: UNT Libraries

An Evaluation of the Efforts of Denton Apparel Stores in Securing Student Trade

Description: "The purpose of this study is to determine the extent to which Denton apparel stores have succeeded in securing student trade, and from the findings, draw some conclusions concerning improvement of relations with students which would maximize the amount of student trade obtained by these stores... according to the findings, the Denton apparel stores as a whole do not seem to be achieving their maximum potential in securing student trade...It seems that most of the stores could substantially increase the amount of trade secured by expanding their advertising and sales promotion plans, by handling line of merchandise which are most appealing to the students, and by adjusting their price lines to the ranges in which students normally buy. "-- leaves 1,63.
Date: August 1953
Creator: McGee, Mack Edwin
Partner: UNT Libraries

The Advancement of the Negro within Business and Professional Enterprise in Texas Since 1900

Description: "This research study shall be the advancement of the Negro within business and professional enterprises in Texas since 1900. The objective is to discover if and where the colored people have made progress. If progress has been made, it must be due to some prevailing influence, and if no progress has been made, there has evidently been some hindering cause. This research shall try to discover these factors and record the results as they affected the progress of these people. It is the intention of this writer to race the educational, economic, and social advancement of these people and to show in what fields of endeavor they have advanced and in which fields they have failed. This advancement shall be traced from the year 1900 to the year 1950, showing the progress in ten year intervals."-- leaf 1.
Date: August 1951
Creator: Knowles, Pattie R. Covington
Partner: UNT Libraries

An Evaluation of the Business Department of the Pilot Point High School to Study its Adequacy for Meeting Student and Community Needs

Description: In order to teach the desirable business courses in the Pilot Point High School, it is necessary to discover what courses would be most practical for the students and also the training that business firms require of their employees. The future can be based upon the present and the past. This study attempts to determine the future needs by probing into the present and the past.
Date: 1951
Creator: Bevers, Gertrude
Partner: UNT Libraries