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2.2. Regulation on Non-performing Loans (NPLs) in Indonesia Efficiency indicates that banks run their business activities with relatively low costs. Berger and DeYoung (1997) find that reduction in cost efficiency of the US commercial banks precedes an increase in the future loan defaults. This is caused by managers who are unable to control their operating …

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Self-Advocating for Reasonable Accommodations: Four Women Share their Stories Tonight What if I’m a student with an Individualized Education Plan (IEP)? It has been nightmarishly hard for educational growth and attainment. The learning deficits are tremendous. We are seeing catastrophic numbers in educational outcomes in the special education population during the pandemic because students have …

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