Marginalizing Risk

A major focus of finance is reducing risk on investments, a goal commonly achieved by dispersing the risk among numerous investors. Sometimes, however, risk dispersion can cause investors to underestimate and under-protect against risk. Risk can even be so widely dispersed that rational investors individually lack the incentive to monitor it. This Article examines the market failures resulting from risk dispersion and analyzes when government regulation may be necessary or appropriate to limit these market failures. The Article also examines how such regulation should be designed,including the extent to which it should limit risk dispersion in the first instance

Techniques for improving client relations in family planning programs

Demand for children and demand for contraceptives are not independent of the system of supply. And client transactions are the major means for lowering costs. Family planning workers, providers of services and mass media campaigns, are the harbingers of new ideas and new delivery systems that could modify the demand for fertility regulation and patterns of contraceptive use. The authors describe four broad techniques for improving client relations, emphasizing their potential as entry points into program development (systematic change). These techniques are presented as a sampling of experience that can be brought to bear on dysfunctional client relations. Among examples described: Patient flow analysis (PFA). A self-administered time-and-motion diagnosis that allows computerized documentation of patient flow and personnel use in health service clinics. Using relatively unobtrusive data collection, PFA seeks to get a representative snapshot of a program and its dysfunctions, replicating a typical clinic session. Data are later diagnosed and remedies proposed for bottlenecks and inefficiencies. Training and visit (T&V). A managerial approach for dealing with geographically scattered outreach programs. The four main principles of T&V: focus on a few key tasks, frequent in-service training and supervision, regularity and predictability, and face-to-face communication. The T&V model focuses on what workers should be doing with their time in the field to meet client needs. A goal of T&V: to enable all clients to name their worker and the day of the week s/he visits, and identify a few themes from their most recent encounter. Activity planning. The antithesis of T&V, activity planning calls for abandoning rigid time-place-movement schedules and specific messages and replacing them with a fluid work schedule adapted to local conditions. Workers must be well-trained in collecting data, listening and building rapport, and communicating with conviction. The quality of the worker-client relationship is all-important. A weakness is that if the workers have no objective they lose control of the exchange with clients. Training and worker empowerment. Training by itself is not enough for systematic change - training for what? But training can serve as an entry point into organizational development when it is rooted in methodologies that help to develop the participant's technical and interpersonal skills and ability to innovate. But training must be accompanied by changes in the system of supply that supports and facilitates innovation and quality of care. Techniques to improve client relations can address either the client-provider interface directly or the system of underlying determinants. It is important to ask basic questions: Is the idea to fix a single worker-client dysfunction or is it to provide a continuous program for modification and growth? Who will be affected by the change? Whoor what will be responsible for initiating and overseeing the course of action? What are the short- and long-run goals of intervention?Health Monitoring&Evaluation,ICT Policy and Strategies,Adolescent Health,Poverty Monitoring&Analysis,Geographical Information Systems

The involvement of nurses and midwives in screening and brief interventions for hazardous and harmful use of alcohol and other psychoactive substances

This report provides details of a review of the literature on the involvement of nurses and midwives in screening and brief interventions for hazardous and harmful use of alcohol and other psychoactive substances

Gamified cognitive control training for remitted depressed individuals : user requirements analysis

Background: The high incidence and relapse rates of major depressive disorder demand novel treatment options. Standard treatments (psychotherapy, medication) usually do not target cognitive control impairments, although these seem to play a crucial role in achieving stable remission. The urgent need for treatment combined with poor availability of adequate psychological interventions has instigated a shift toward internet interventions. Numerous computerized programs have been developed that can be presented online and offline. However, their uptake and adherence are oftentimes low. Objective: The aim of this study was to perform a user requirements analysis for an internet-based training targeting cognitive control. This training focuses on ameliorating cognitive control impairments, as these are still present during remission and can be a risk factor for relapse. To facilitate uptake of and adherence to this intervention, a qualitative user requirements analysis was conducted to map mandatory and desirable requirements. Methods: We conducted a user requirements analysis through a focus group with 5 remitted depressed individuals and individual interviews with 6 mental health care professionals. All qualitative data were transcribed and examined using a thematic analytic approach. Results: Results showed mandatory requirements for the remitted sample in terms of training configuration, technological and personal factors, and desirable requirements regarding knowledge and enjoyment. Furthermore, knowledge and therapeutic benefits were key requirements for therapists. Conclusions: The identified requirements provide useful information to be integrated in interventions targeting cognitive control in depression

Visualization of database structures for information retrieval

This paper describes the Book House system, which is designed to support children's information retrieval in libraries as part of their education. It is a shareware program available on CD‐ROM or floppy disks, and comprises functionality for database searching as well as for classifying and storing book information in the database. The system concept is based on an understanding of children's domain structures and their capabilities for categorization of information needs in connection with their activities in schools, in school libraries or in public libraries. These structures are visualized in the interface by using metaphors and multimedia technology. Through the use of text, images and animation, the Book House encourages children ‐ even at a very early age ‐ to learn by doing in an enjoyable way, which plays on their previous experiences with computer games. Both words and pictures can be used for searching; this makes the system suitable for all age groups. Even children who have not yet learned to read properly can, by selecting pictures, search for and find those books they would like to have read aloud. Thus, at the very beginning of their school life, they can learn to search for books on their own. For the library community, such a system will provide an extended service which will increase the number of children's own searches and also improve the relevance, quality and utilization of the book collections in the libraries. A market research report on the need for an annual indexing service for books in the Book House format is in preparation by the Danish Library Centre A/S

Keberkesanan modul infusi kemahiran berfikir aras tinggi pembelajaran luar bilik darjah (iKBAT-PLBD) bagi bidang pembelajaran sukatan dan geometri

Kemahiran berfikir aras tinggi (KBAT) merupakan satu kemahiran berfikir yang sangat diperlukan dalam mendepani cabaran kehidupan masa kini terutama dalam bidang matematik. Oleh itu, kajian ini dijalankan untuk mengkaji sama ada KBAT matematik pelajar dapat ditingkatkan dengan menggunakan modul infusi Kemahiran Berfikir Aras Tinggi - Pembelajaran Luar Bilik Darjah (iKBAT–PLBD) atau tidak? Justeru itu, satu kerangka perancangan telah dibuat terhadap empat kemahiran tertinggi dalam Taksonomi Bloom semakan semula yang juga merupakan konstruk utama dalam KBAT. Konstruk KBAT tersebut ialah konstruk menganlisis, mengaplikasi menilai dan mencipta. Sampel kajian ini melibatkan 120 pelajar tingkatan 1 di empat buah sekolah yang berbeza di negeri Johor. Dalam menjalankan kajian kuasi eksperimental ini, data dikumpul melalui kajian keputusan ujian pra dan ujian pos sebelum dan selepas menggunakan modul bagi kumpulan rawatan. Manakala pendekatan PdP tradisional pula digunakan bagi kumpulan kawalan. Hasil daripada analisis data menunjukkan bahawa aktiviti pembelajaran dan pemudahcaraan (PdPc) yang bertunjangkan modul iKBAT–PLBD telah dapat meningkatkan penguasaan matematik pelajar dalam kempat-empat tahap KBAT serta bagi keseluruhan tahap. Dapatan kajian ini menunjukkan terdapat perbezaan yang signifikasi antara kumpulan kawalan dan kumpulan rawatan terhadap peningkatan KBAT pelajar dalam matematik dengan menggunakan pendekatan iKBAT–PLBD bagi tahap mengaplikasi, menganalisis, menilai, mencipta juga secara keseluruhan. Kesimpulannya, kajian ini dapat memberi manfaat kepada semua pihak termasuk pihak Kementerian Pendidikan Malaysia (KPM), pihak pentadbiran sekolah, ibubapa, guru matematik malah bagi pelajar itu dari segi pengubalan dasar yang berkaitan, pengaplikasian dan sebagai satu bukti keberkesanan dalam proses pemerkasaan KBAT matematik di Malaysia

MODELING OF AGRICULTURAL SYSTEMS

The authors present an overview of agricultural systems models. Beginning with why systems are modeled and for what purposes, the paper examines types of agricultural systems and associated model types. The broad categories range from pictorial (iconic) models to descriptive analogue models to symbolic (usually mathematical) models. The uses of optimization versus non-optimizing mechanistic models are reviewed, as are the scale and aggregation challenges associated with scaling up from the plant cell to the landscape or from a farm enterprise to a world market supply-demand equilibrium Recent modeling developments include the integration of formerly stand-alone biophysical simulation models, increasingly with a unifying spatial database and often for the purpose of supporting management decisions. Current modeling innovations are estimating and incorporating environmental values and other system interactions. At the community and regional scale, sociological and economic models of rural community structure are being developed to evaluate long-term community viability. The information revolution is bringing new challenges in delivering agricultural systems models over the internet, as well as integrating decision support systems with the new precision agriculture technologies.Farm Management,

Software cost estimation

The paper gives an overview of the state of the art of software cost estimation (SCE). The main questions to be answered in the paper are: (1) What are the reasons for overruns of budgets and planned durations? (2) What are the prerequisites for estimating? (3) How can software development effort be estimated? (4) What can software project management expect from SCE models, how accurate are estimations which are made using these kind of models, and what are the pros and cons of cost estimation models