Analisis Risiko pada Usahatani Benih Bawang Putih di Kabupaten Karanganyar, Jawa Tengah

Bawang putih merupakan komoditas penting namun Indonesia masih bergantung pada bawang putih impor. Bawang putih yang berkualitas baik dapat diperoleh dari benih yang baik pula. Pada usahatani benih bawang putih petani memerlukan perlakuan khusus untuk hasil panen yang disimpan sebagai benih bawang putih dan memiliki risiko lebih besar sehingga diperlukan mitigasi risiko yang tepat untuk usahatani benih bawang putih. Penelitian ini bertujuan untuk menganalisis risiko yang dihadapi oleh petani dan menganalisis strategi manajemen risiko yang paling tepat untuk mendapatkan keuntungan yang maksimal bagi petani. Metode analisis data dengan Failure Mode and Effect Analysis (FMEA). Analisis deskriptif untuk mengetahui mitigasi risiko yang paling tepat. Hasil analisis data berdasarkan nilai RPN tertinggi adalah serangan hama (9a), tanaman tidak subur karena gulma berlebihan (8b), serangan penyakit (9b), tanaman terlalu padat dan tanaman gulma berlebihan (8a) dan iklim serta cuaca yang tidak menentu (2a). Strategi manajemen risiko yang tergolong kritis yaitu pada risiko iklim dan cuaca tidak menentu menggunakan strategi penanggungan atau penahanan risiko (risk retention). Pada risiko tanah terlalu padat dan terlalu banyak gulma, risiko tanah kurang subur karena terlalu banyak gulma, risiko serangan hama dan risiko serangan penyakit digunakan strategi penghindaran risiko (risk avoidance).

Changes in Types of Drinking Behavior in Korean Adults: Differences in Demographics, Depression and Suicidal Thoughts

Background: Longitudinal studies of drinking behavior have reported inconsistent changes in drinking behavior as people age. Thus, this study aims to characterize the changes in drinking behavior among Korean adults and to reveal differences in their demographics, depression, and suicidal thoughts. Methods: This study used the Korea Welfare Panel Study data over nine years (2009 to 2017), analyzing a total of 7506 participants. Growth mixture modeling was applied to classify patterns of change in drinking in these participants. The χ2 test and analysis of variance were used to analyze the differences in demographics, depression, and suicidal thoughts according to patterns of change in drinking. Results: Changes in drinking among Korean adults were categorized into four types: “high-risk retention”, “medium-risk to high-risk”, “high-risk to low-risk”, and “low-risk retention”. Gender, age, education, marital status, living arrangement, living area, and depression differed among these groups. Conclusion: We identified four types of changes in adult drinking behavior in South Korea, which varied in their demographics and depression levels. These results suggest that tailoring interventions to the type of behavioral changes might be more useful than batch interventions.

Holding ABS is still tricky: the EU securitisation regulation and its UK equivalent

Purpose To highlight that the risk retention rules associated with the holding of securitization investments, commonly thought to apply only to the sponsors and manufacturers of securitisations, also affect EU institutional investors and potentially impact non-EU fund managers that invest in these assets. Design/methodology/approach To address which classes of investor are affected and then to provide an overview of the obligations on affected investors that do invest in securitization investments. Findings There is much that is straightforward about the relevant obligations but there are a number of quirks that have not necessarily been fully appreciated by the market: these include the applicability to investors on a “look through” basis that may, inter alia, affect US credit fund managers with EU institutional investors. Practical implications EU institutional investors that do invest in this asset class should be considering the need to take practical steps to prepare written due diligence materials; non-EU credit managers that run e.g. ABS funds offered into the EU or in which there may be EU institutional investors should consider if they may have any obligations under the EU Securitization Regulation. Originality/value The aspects of the Securitization Regulation that affect institutional investors and regular fund managers have not been addressed as thoroughly as they have by the main securitization sector (banks, CLO managers and similar). This article seeks to remedy that and should prove of value to compliance, legal and other professionals at those types of institution.

Simple, Transparent and Standardised Securitisation (STS Securitisation) as a Specific Type of Securitisation under the Regulation 2017/2402

<p>The securitisation market worth trillions of dollars collapsed during the financial crisis of 2007–2009 and for many years its volume remained quite low in the European Union, i.a. due to lack of confidence in securitisation products. The purpose of this article is to draw attention to simple, transparent and standardised securitisation (STS securitisation), almost unnoticed in Polish doctrine, being a specific type of securitisation that has appeared lately and develops in the European Union, including Poland, as a way to revive the securitisation. In the course of considerations, after a brief presentation of securitisation, its development and collapse, attention is turned to the Regulation (EU) 2017/2402 of the European Parliament and of the Council of 12 December 2017 laying down a general framework for securitisation and creating a specific framework for simple, transparent and standardised securitisation, and amending Directives 2009/65/EC, 2009/138/EC and 2011/61/EU and Regulations (EC) no. 1060/2009 and (EU) no. 648/2012 (OJ EU L 347/35) and the premises it contains that must be met so that the securitisation could be designated as “STS” or “simple, transparent and standardised”. The remarks are especially focused on requirements of due diligence, transparency, risk-retention, simplicity and standardisation. The article ends with conclusions on the effectiveness of the adopted solutions in the economic sphere as well as with respect to the unification of securitisation law in the Member States and the restoration of credibility for securitisation in the European Union.</p>

Informational Efficiency in Securitization after Dodd-Frank

We analyze how Dodd-Frank-mandated risk retention affects the information investors extract from issuers’ retention choices in the CMBS market. We show that the required retention level is both binding and stringent. Although this implies issuers cannot signal using the level of retention, we provide a model showing that signaling can occur by varying the retention structure. The model is consistent with spreads being empirically lower in deals with a purely first-loss retention structure. A stated concern of rulemakers is asymmetric information. However, we show that, post-crisis, the level of asymmetric information in this market is quite low.

Commercial Law Concentrate

Each Concentrate revision guide is packed with essential information, key cases, revision tips, exam Q&As, and more. Concentrates show you what to expect in a law exam, what examiners are looking for, and how to achieve extra marks. Commercial Law Concentrate is supported by extensive online resources to take your learning further. It has been written by experts and covers all the key topics so you can approach your exams with confidence. The clear, succinct coverage enables you to quickly grasp the fundamental principles of this area of law and helps you to succeed in exams. This guide has been rigorously reviewed, and is endorsed by students and lecturers for level of coverage, accuracy, and exam advice. It is clear, concise, and easy to use, helping you get the most out of your revision. After an introduction to contracts for the sale of goods, the book covers: statutory implied terms; passing of property and risk; retention of title clauses; exemption and limitation clauses; non-existent and perishing of goods; transfer of ownership by a non-owner; delivery, acceptance, and payment; remedies of the unpaid seller; remedies of the buyer; consumer credit; the creation of agency and the agent’s authority; and the relationships created by agency—the rights and liabilities of the parties.