Determinants of households’ credit behavior in Russia

Purpose: The main goal of this work is to substantiate the need to consider microeconomic statistics when analyzing consumer lending to the population, as well as implementing approaches to modeling household credit behavior at the micro level. Design/Methodology/Approach: The article proposes and implements a comprehensive statistical approach that allows identifying the specificity of the influence of demographic, socio-economic characteristics of households on their credit activity. Findings: The article states that loan borrowings are more often found in households with children of preschool age who are in relatively high-income groups, who much more often inform about cash incomes that do not correspond to the declared level of consumption. Members of these households are more likely to work. The age range of borrowers expanded during the study period, and no prevalence of any age group was observed. Practical Implications: This result is of great practical importance, since, as already indicated, in assessing the solvency of the borrower, credit organizations are mainly focused on individual characteristics. Originality/value: It was found that the hypothesis that individual characteristics are important determinants of household lending activity has not been confirmed. And variables that characterize households significantly affect their credit behavior.peer-reviewe

Electronic structure and magnetic anisotropy of CrO_2

The problem of importance of strong correlations for the electronic structure, transport and magnetic properties of half--metallic ferromagnetic CrO_2 is addressed by performing density functional electronic structure calculations in the local spin density approximation (LSDA) as well as using the LSDA+U method. It is shown that the corresponding low--temperature experimental data are best fitted without accounting for the Hubbard U corrections. We conclude that the ordered phase of CrO$_2 is weakly correlated.Comment: 5 pages, 7 EPS figures, in RevTex forma

Electronic Structure and Magnetic Properties of Solids

We review basic computational techniques for simulations of various magnetic properties of solids. Several applications to compute magnetic anisotropy energy, spin wave spectra, magnetic susceptibilities and temperature dependent magnetisations for a number of real systems are presented for illustrative purposes.Comment: Review article; To appear in Journal of Computational Crystallograph

Usporedba QSPR modela zasnovanih na vodikom-popunjenim molekularnim grafovima i na grafovima atomskih orbitala

QSPR models are studied for normal boiling points of alkanes, alkylbenzenes, and polyaromatic hydrocarbons, in terms of optimized correlation weights of local invariants of the hydrogen- -filled graphs (HFGs) and of the graphs of atomic orbitals (GAOs). Morgan extended connectivities of the zeroth, first, and second order of the HFGs and GAOs were employed. The best QSPR model obtained is based on optimized correlation weights of the extended connectivity of the first order of the GAO. The statistical characteristics of this model are: n = 70, r superscript(2) = 0.9988, s = 5.8 °C, F = 57437 (training set); n = 70, r superscript(2) = 0.9985, s = 6.7 °C, F = 45154 (test set).Istraživani su QSPR modeli za normalnu točku vrelišta alkana, alkilbenzena i poliaromatskih ugljikovodika, zasnovani na optimiziranim korelacijskim te`inama lokalnih invarijanti vodikom-popunjenih molekularnih grafova (HFG) i grafova atomskih orbitala (GAO). Primjenjeni su Morganovi indeksi proširene povezanosti nultoga, prvoga i drugoga reda, kako za HFG tako i za GAO. Najbolji QSPR model je dobiven na osnovi optimiziranih korelacijskih težina za proširenu povezanost prvoga reda za GAO. Statističke karakteristike ovoga modela su: n = 70, r superscript(2) = 0.9988, s = 5.8 °C, F = 57437 (training set); n = 70, r superscript(2) = 0.9985, s = 6.7 °C, F = 45154 (test set)

The problem of attracting and keeping the youth in the Far East of Russia

Освещается проблема демографии современного Дальнего Востока России – отток населения, в том числе молодежи, определяются возможные пути решения данной проблемы. По мнению авторов, решать ее необходимо по двум направлениям – развитие рынка труда в регионе и обеспечение молодежи жильем.Shows the problem of the demographics of the Far East of Russia – directions of solving this problem. According to the authors, it must be solved on two fronts – the development of the labour market in the region and the provision of housing for youth

QSPR modeling for enthalpies of formation of organometallic compounds by means of SMILES-based optimal descriptors

Organometallic compounds are an important class of chemicals, because many of them have vital biochemical features. There are studies on the quantitative structure-property/activity relationships (QSPR/QSAR) for organic substances [1-5], but only a few articles have deal with QSPR for organometallic compounds Simplified molecular input line entry system (SMILES) [9-13] has been used as an alternative for molecular graphs in the QSPR/QSAR analyses SMILES-based optimal descriptors were calculated a

Control optimization for asynchronized switched motor of mine hoist plant using Bellman – Lyapunov method

У статті розглядається задача синтезу нелінійного регулятора швидкості асинхронізованого вентильного двигуна. Для знаходження оптимального закону управління, використаний метод Беллмана - Ляпунова з використанням концепції методу «занурення». Здійснено моделювання та зроблений порівняльний аналіз електропривода зі стандартним ПІ - регулятором, а також з синтезованим оптимальним регулятором.The problem of synthesis of nonlinear speed controller asynchronized switched motor is considered. To find the optimal control law by, the method of Bellman - Lyapunov by concept of "immersion" is used. Modeling and comparative analysis of the system with the standard PI - controller, as well as the synthesized regulators are made.В статье рассматривается задача синтеза нелинейного регулятора скорости асинхронизированного вентильного двигателя. Для нахождения оптимального закона управления, использован метод Беллмана - Ляпунова с использованием концепции метода «погружения». Осуществлено моделирование и произведен сравнительный анализ электропривода со стандартным ПИ - регулятором, а также с синтезированным оптимальным регулятором

QSAR Model for Cytotoxicity of Silica Nanoparticles on Human Embryonic Kidney Cells1

Abstract A predictive model for cytotoxicity of 20 and 50 nm silica nanoparticles has been built using so-called optimal descriptors as mathematical functions of size, concentration and exposure time. These parameters have been encoded into 31 combinations 'concentration-exposure-size'. The calculation has been carried out by means of the CORAL software ( http://www.insilico.eu/coral/ ) using three random splits of the obtained systems into training and test sets. The statistical quality of the best model for cell viability (%) of cultured human embryonic kidney cells (HEK293) exposed to different concentrations of silica nanoparticles measured by MTT assay is satisfactory

CATALYTIC CURRENTS IN DITHIOPHOSPHATE-IODIDE SYSTEMS.

The authors investigated the electrochemical oxidation of iodide ions in the presence of a series of dithiophosphates (RO)//2PSS** minus at a glassy carbon electrode (R equals CH//3, C//2H//5, n-C//3H//7, n-C//4H//9, iso-C//4H//9, and sec-C//4H//9). By the method of 'electrochemical oxidation in an adsorbed layer' the authors showed that absence of a significant effect of adsorption on the electrode process. The anodic curves of electrode charging in the solution of the supporting electrolyte both in the absence of and after contact with a 0. 0016 M solution of DTP had a similar shape