The Dodd-Frank Act was created to promote financial stability in the United States. However, no one is quite sure what it is yet. While action had to be taken and Dodd-Frank has some positives, Dodd-Frank, as it is deciphered today, has severe drawbacks. Since Dodd-Frank is only in its infancy, it is difficult to form an interim conclusion about its effects on agricultural lending at this point. After passing Dodd-Frank in 2010, the government began trying to figure out what it means. Four years later, they are still trying and are about half way through making the rules. This law essentially replaces Glass-Steagall, which was repealed several years ago. Many believe repealing Glass-Steagall was a big reason for the financial collapse of 2008. While Glass-Steagall was a short, easily understood document, Dodd Frank adds many more regulations and pages. This creates a long, bulky, confusing law that seems to be extremely tough to comprehend legally or as a banker. In this study, I try to balance the positives and negatives of Dodd-Frank to understand if it is more detrimental or beneficial to agricultural lending. While we find that Dodd-Frank does help keep banks from some of the risky investments that many believe led to the financial crisis, the added paperwork, compliance costs, and strain it puts on small banks can be worrisome. I interviewed several agriculture-lending professionals who regularly deal with the rules and regulations of Dodd-Frank to discover the impact the new law has on banks, their customers, and the economy as a whole. These interviews give insight into what Dodd-Frank means to the agriculture-lending market and what changes have had to occur since the law was passed. These interviews demonstrate that Dodd-Frank is largely looked down upon by the banking industry. The professionals interviewed are very experienced. After the extensive research, interviews, and discoveries that came of this study, it was concluded that Dodd-Frank seems to hurt the lending industry much more than it helps. One major concern is the strain Dodd-Frank puts on small banks and how it makes "too big to fail" banks even bigger.

Water is the defining issue in determining the development and growth of human populations of the Southwest. The cities of Las Vegas, Phoenix, Tucson, Albuquerque, and El Paso have experienced rapid and exponential growth over the past 50 years. The outlook for having access to sustainable sources of water to support this growth is not promising due to water demand and supply deficits. Regional water projects have harnessed the Colorado and Rio Grande rivers to maximize the utility of the water for human consumption and environmental laws have been adopted to regulate the beneficial use of this water, but it still is not enough to create sustainable future for rapidly growing southwest cities. Future growth in these cities will depend on finding new sources of water and creative measures to maximize the utility of existing water resources. The challenge for southwest cities is to establish policies, procedures, and projects that maximizes the use of water and promotes conservation from all areas of municipal users. All cities are faced with the same challenges, but have different options for how they prioritize their water resources. The principal means of sustainable water management include recovery, recharge, reuse, and increasing the efficiency of water delivery. Other strategies that have been adopted include harvesting of rainwater, building codes that promote efficient water use, tiered water rates, turf removal programs, residential water auditing, and native plant promotion. Creating a sustainable future for the southwest will best be achieved by cities that adopt an integrated approach to managing their water resources including discouraging discretionary uses of water, adoption of building and construction codes for master plans, industrial plants, and residential construction. Additionally, a robust plan for education of the public is essential to create a culture of conservation from a very young age.

The history of Koreans in the former Soviet Union dates back to more than a century ago. Yet little was known about them during the existence of the USSR, and even less as the first decade of the Newly Independent States unfolded. This current study is one of the first attempts to quantitatively measure the national and ethnic identity of this group. The research was conducted via an online survey in two languages, English and Russian. Three main variables -- ethnic identity, national identity and information technology -- were used to test the hypothesis. The data collection and survey process revealed some interesting facts about this group. Namely, there are some strong indicators that post-Soviet Koreans belong to a category of their own within the larger group known as the "Korean diaspora." Secondly, a very strong sense of ethnic group belonging, when paired with higher education and high to medium levels of proficiency with Internet technology, indicates the potential for further development and sustainability of these ethnic and national identities, particularly when nurtured by the continued progress of information technology.

The global demand and trade for fruits and vegetables is increasing at national and international levels. The fresh fruits and vegetables supply chain are highly vulnerable to contamination and can be easily spoiled due to their perishable nature. Due to increases in fresh fruit and vegetable trade shipment volume between countries, the fresh food supply chain area is the highly susceptible and frequently prone to food contamination. The inability of firms in the fresh food business to have a good supply chain visibility and tracking system is one of the prominent reasons for food safety failure. Therefore, in order to avoid food safety risk and to supply safe food to consumers, the firms need to have an efficient traceability system in their supply chain. Most of the research in the food supply chain area suggests the implementation of a highly efficient tracking system called RFID (Radio frequency identification) technology to firms in the food industry. The medium scale firms in the fresh food supply chain business are skeptical about implementing the RFID technology equipped traceability system due to its high cost of investment and low margins on fresh food sales. This research developed two methods to measure the probability of food safety risk in food supply chain. These methods use the information gain from RFID traceability systems as a tool to measure the amount of risk in the fresh food supply chain. The stochastic optimization model is applied in this study to determine the risk premium by investing in RFID technology over the electronic barcode traceability system. The results show that there is a reduction in buyer (Type II error) and seller risk (Type I error) for RFID technology employed traceability system compared to electronic barcode system. It is found from stochastic optimization results that there is a positive risk premium by investing in RFID traceability system over the current systems and suggests the implementation of RFID traceability system for complex medium scale fresh produce imports to reduce the food safety risks. This research encourages the food industries and government agencies to evaluate alternatives to update supply chain system with RFID technology.

This dissertation focuses on entrepreneurial and business performance indicators as determinants of Arizona charter schools' quality. The study utilizes a mixed-method inquiry with focus on qualitative research, exploration, and implementation studies. It draws data from surveys with charter operators performed by Education Team Partners (ETP). All survey results are drawn from the ETP database. The study reviews the genesis and evolution of charter schools. It reviews the social agreement within the context of public policy analysis, and the public-private partnership nature within the context of entrepreneurship and business management. It attempts to develop a research-based foundation for future action research to complement the newly introduced performance management plan (PMP) measurement and evaluation system in Arizona. The research includes four group indicators for measuring charter schools' business productivity and performance. They are studied in relation to three groups of indicators for measuring charter schools' quality. The case studies include two existing and two future charter schools. Study results indicate that all participating charter operators confirm the significance of the liquidity ratio in relation to any aspect of charter school quality covered in this study. The participants indicated a strong relationship between the capacities of their schools to utilize external resources and all indicators of charter school quality. This study draws two important conclusions. First, charter schools are business organizations, despite the fact that they receive public funds. Operationally, they differ substantially from district schools and government agencies and depend on market forces. Second, charter schools cannot survive inefficient management practices, as market forces tend to drive them out of business, regardless of academic success and student achievement levels. The intended implications from this study include: first, increased awareness about the importance of understanding business indicators in relation to charter school quality; second, the need for more research associated with the business and finance components of charter schools. As the body of collective knowledge about charter schools expands, the relationship between various business indicators to measures of quality should be routinely studied within larger populations, which may allow for an improved measurement system and applications of advanced statistical methods.