The objective of this study is to define differences and similarities in certain aspects of education, experience, and business practices of White, Black, and Latin American small businessmen, and approximately fifty questions relating to their operations were asked.

The problem with which this study is concerned is that of determining income concepts employed by members of the agricultural sector to determine change in equity of the owner of an entity. A secondary purpose was an investigation of the factors which influenced the decision model selected to determine income. Major findings of the study indicated that financial data is used differently by members of the sector and the accountant. Respondents did not agree among themselves about the information that should be used in income measurement, nor were they consistent in use of a given concept. Finally, evidence was presented which indicated that changes in terms used to ask for change in equity leads to different responses.

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 …

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.

The purpose of this study is to develop a technique by which a physician may use a predetermined data base to derive a preliminary diagnosis for a patient with a given set of symptoms. The technique will not yield an absolute diagnosis, but rather will point the way to a set of most likely diseases upon which the physician may concentrate his efforts. There will be no reliance upon a data base compiled from poorly kept medical records with non-standardization of terminology. While this study produces a workable tool for the physician to use in the process of medical diagnosis, the ultimate responsibility for the patient's welfare must still rest with the physician.

This research was designed to investigate whether or not there are significant positive relationships between the total number of reasons production employees cite for staying with an industrial firm and measures of both job performance and job satisfaction. In addition, this study sought relationships between employee work values and both job performance and job satisfaction. Significant positive correlations have been established for tribalistic and existential values with production worker job performance. Further, significant positive correlations were shown for conformist values, and negative correlations for manipulative values with both job satisfaction and with the total number of reasons cited for staying with the firm. This study gives support to a situational theory of work motivation in which both job performance and satisfaction are dependent on the strength of employee job inertia.

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 …

The present study was concerned with seeking the opinions of Nigerian employers, Nigerians studying in the United States, and those studying in Nigeria concerning the need for human resource development in Nigeria. Data were collected through questionnaires mailed to selected Nigerian employers and to Nigerian students studying at various United States college campuses and at Nigerian university campuses. Problems of unemployment and critical shortages of skilled manpower continue to be rampant in Nigeria. The present investigation, through an analysis of questionnaire responses, seems to support the impression that little is really being done by Nigerian organization to upgrade and strengthen personnel talent in a planned and organized way. Most companies have no central long-range goal to guide their manpower development efforts. Much more time, effort, and expense are likely being devoted to the introduction of new operating systems or pieces of equipment than to the improvement of people.

This study is designed to set forth the philosophy and indicate trends in the teaching of commercial education in the high schools of the United States.

The purpose of the study is to make a survey and analysis of the export trade of the United States with Mexico. Attention is given to the kinds and types of goods exported to Mexico and imported from it, to the value of the trade, to some ways of carrying it on, and to aspects of Mexican life that influence trade relations.

In this study an effort is made to review comprehensively the requirements for business administration degrees in the larger colleges and universities in Texas. The development and adaptation of uniform requirements in any field of study are necessarily slow processes and subject to frequent revision. Especially is this true in the field of business education.

The problem which forms the basis of this study is one involving an investigation of the curricular offerings in the field of business in the liberal-arts colleges of Arkansas. The purpose of the investigation is to compare the growth of business offerings during the eleven years from 1936 to 1946.

An effort to determine how the ratios of leading corporations changed during World War II and in the two peace-time years following.

The purpose of this study is to determine the types of books and periodicals in the field of business education which should be included in the library of the average senior high school, and to compile a selective list of the best publications as a standard reference list for the use of the high school commercial teacher.

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 …

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 …

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.

The primary aim is to discover the number and nature of curricular offerings in the field of business education in the junior colleges of Texas. A secondary purpose is to study the growth and development of business education in the schools and colleges of the United States from the earliest days to the present period.

This study involves three things: first, a comparison of the general objectives of students and teachers; second, a comparison of jobs wanted by students with jobs for which the teachers think they are training their students; and third, a comparison of student and teacher objectives in the individual subjects.

This study is designed to present information on the supervision of business education as revealed through research and personal observations. Included in this study of state supervision of business education are such phases as proposed qualifications and duties of a state supervisor of business education, a brief study of supervisory programs now in effect in other states, the need for a state supervisor in Texas, and a proposed program for supervision of business education in Texas.

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.

The purpose of this problem is to make a comparative study of methods in teaching Gregg shorthand. The problem is to compare the methods of approach, procedures, and techniques used, and to determine what has been accomplished in the way of experiments which have been performed by the different writers.

In this study an effort is made to determine how certain factors are related to success in elementary college accounting at North Texas State College. The factors which are considered are: grades made in high school bookkeeping, size of high school attended, sex, age, military service, marital status, intelligence, college classification of the student, and high school bookkeeping credit earned by the student.

The purpose of the study is to show the similarity and dissimilarity of the business curricula in the thirty-one Texas public high schools of District Eight, members of the Southern Association of Colleges and Secondary Schools.