8,001 research outputs found

    Microfinance and Small Deposit Mobilization: Fact or Fiction?

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    Two primary arguments can be made for voluntary deposit mobilization among microfinance institutions (MFIs). First, deposit mobilization is an alternative source of funds that was neglected by most MFIs until a few years ago. From this perspective, voluntary deposit mobilization helps MFIs achieve independence from donors and investors, which is particularly important in periods of liquidity constraints. Second, poor households benefit greatly from having access to deposit mechanisms, and the benefits can be even greater than those derived from access to credit. On the funding side, the industry has demonstrated great progress, with savings mobilization now representing more than half of the assets reported by deposit mobilizing MFIs, even though this share seems to have decreased a bit during the last three years

    Centurialā€millenial iceā€rafted debris pulses from ablating marine ice sheets

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    We use an iceā€sheet model to show that (i) margins of marine iceā€sheets can be expected to be frozen to the bed, except where iceā€streams discharge; (ii) 20ā€“50km retreats induced by ablation rates of 2 m/yr provide sufficient debris flux through the grounding line to produce large sedimentation events. Such ablation would reduce iceā€shelf extent markedly, permitting debris to reach the calving front and be transported by icebergs leading to iceā€rafted debris (IRD) events. Ice shelf breakā€up takes around a century (start of IRD pulse), while the creation of warmā€based conditions (end of IRD pulse) due to upwards motion of warm ice takes a few more centuries. Such IRD pulses are unlikely to explain Heinrich events, which are associated with relatively cold periods within glaciations. Surges are not necessary conditions for the production of large IRD events

    The use of damage as a design parameter for postbuckling composite aerospace structures

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    Advanced fibre-reinforced polymer composites have seen a rapid increase in use in aircraft structures in recent years due their high specific strength and stiffness, amongst other properties. The use of postbuckling design, where lightweight structures are designed to operate safely at loads in excess of buckling loads, has been applied to metals for decades to design highly efficient structures. However, to date, the application of postbuckling design in composite structures has been limited, as todayā€™s analysis tools are not capable of representing the damage mechanisms that lead to structural collapse of composites in compression. The currently running four-year European Commission Project COCOMAT [1] is addressing this issue, and aims to exploit the large strength reserves of composite aerospace structures through a more accurate prediction of collapse. A methodology has been developed to analyse the collapse of composite structures that is focused on capturing the critical damage mechanisms. One aspect of the methodology is a global-local analysis technique that uses a strength criterion to predict the initiation of interlaminar damage in intact structures. Another aspect of the approach was developed for representing the growth of a pre-existing interlaminar damage region, and is based on applying multi-point constraints in the skin-stiffener interface that are controlled using fracture mechanics calculations. A separate degradation model was also included to model the in-plane ply damage mechanisms of fibre fracture, matrix cracking and fibre-matrix shear that uses a progressive failure approach. The complete analysis methodology was implemented in MSC.Marc v2005r3 using several user subroutines, and has been validated with a range of experimental tests, including fracture mechanics coupons [2], single-stiffener specimens [3] and multi-stiffener curved panels [4]. The developed methodology was used to design and analyse fuselage-representative composite panels in various pre-damaged configurations. Two panel designs were investigated, D1 and D2, which both consisted of a curved skin adhesively bonded to blade-shaped stiffeners. For the D1 panel, the pre-damage applied was a full-width skin-stiffener debond created using a Teflon insert in the adhesive layer, whilst the D2 panel was investigated with Barely Visible Impact Damage (BVID). For both panels, parametric studies were conducted using the developed methodology in order to recommend a damaged configuration suitable for experimental testing. For the D1 panel, a 100 mm length debond was selected, and the location of the damage was investigated, whilst for the D2 panel both the location and the representation of damage was varied. Based on these parametric studies, two pre-damaged configurations of the D1 panel and one pre-damaged D2 configuration were selected for experimental testing. The selected pre-damaged configurations were manufactured by Aernnova Engineering Solutions and manufactured at the Institute of Composite Structures and Adaptive Systems at the German Aerospace Center (DLR) as part of the COCOMAT project. Following manufacture, panel quality was inspected with ultrasonic and thermographic scanning and panel imperfection data was measured using the three-dimensional (3D) optical measurement system ATOS. During the test, measurements were taken using displacement transducers, strain gauges, the 3D optical measuring system ARAMIS, and optical lock-in thermography. Under compression, the panels developed a range of buckling mode shapes, and the progression of damage was monitored leading to structural collapse. In comparison with the experimental results, the analysis methodology was shown to give accurate predictions of the load-carrying behaviour, damage development and collapse load of both panels. The results demonstrated the capability of the developed tool to capture the critical damage mechanisms leading to collapse in composite structures. The advanced analysis methodology also allowed for damage to be used as a design parameter in postbuckling structures, either in the comparative analysis context of a design procedure, to assess the damage tolerance of a design, or as pre- and post-test simulations of intact and pre-damaged structures. More broadly, the results demonstrated the potential of postbuckling composite structures, and the large strength reserve available in the postbuckling region. The success of the developed analysis methodology and the potential of postbuckling composite structures have application for the next generation of lightweight aerospace structures

    Sustainability Assessment Methods for the Gulf Region

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    This paper describes the development of a sustainability assessment framework designed to be used in the Gulf Region, which is an area which has experienced large scale building development and also a region in which sustainability assessment is not yet widely used. The complexity and time resources needed to apply existing methods act as a deterrent to active use. Three well-known methods available at the time of the study were investigated in some detail. These were: BREEAM Gulf; Green Building Council LEED; and Estidama Pearl. Cross comparisons of the factors involved in each method were carried out on several levels including: theoretical comparison; practical development and usability; compliance with regulations and standards; and ability to achieve synchronization. A considerable degree of compatibility was found to exist between the methods, particularly if focused on key criteria. As a result a new and specific framework was developed which grouped 24 indicators under five principal headings: site/location, biodiversity and accessibility; energy; water; occupant well-being; and resources and wastes. This new framework was then evaluated by testing with practitioners resulting in confirmation of 20 out of the 24 indicators, and identification of suitable benchmarks

    Internet gambling: an overview of psychosocial impacts

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    Technological innovation has always played a role in the development of gambling behaviour, primarily through providing new market opportunities. Early prevalence studies of Intemet gambling in the UK, Canada and the US have shown that Intemet gambling is not a eause for concern at present. However, this seems likely to change as more people start to use the Internet for leisure activities. After a brief overview of gambling technologies and deregulation issues, this paper examines the impact of technology on gambling by highlighting salient factors in the rise of Intemet gambling (i.e., accessibility, affordability, anonymity, convenience, escape immersion/dissociation, disinhibition, event frequency, asociability, interactivity, and simulation). The paper also overviews some of the main social impacts surrounding Intemet gambling, such as protection of the vulnerable, Intemet gambling in the workplace, electronic cash, and unscrupulous operators. Recommendations for Internet gambling operators are also provided

    Anomalous Features in Surface Impedance of Y-Ba-Cu-O Thin Films: Dependence on Frequency, RF and DC Fields

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    Two high-quality Y-Ba-Cu-O thin films on MgO substrates have been investigated using the coplanar resonator technique at 8 and 16 GHz. Both films exhibit an anomalous decrease in their surface impedance, Zs as a function of microwave field, Hrf. In zero dc field, Hrf-dependences of Rs and Xs for both the samples are uncorrelated, and only one of the quantities, Rs or Xs, displays anomalous behavior. Here, application of relatively weak (~5 mT) dc magnetic fields, Hdc can produce a correlated decrease of Rs(Hrf) and Xs(Hrf). The dependences of Zs on Hdc in both low and high microwave power regimes were found to be non-monotonic. The frequency dependence of Rs ~ fn, 1.7<n<2.5, remained the same upon the transition from low to high microwave power ranges. The consequences of the reported findings for microwave device applications are briefly discussedComment: 4 pages, 4 figures. Submitted to ASC'2000 Conference Proceeding
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