Directrices de consenso en el campo de las microfinanzas: Definición de términos, coeficientes y ajustes financieros para las microfinanzas

El propósito de este documento es proponer una definición estándar para cada uno de los términos financieros seleccionados y plantear un método común de cálculo para determinados coeficientes financieros. Fue producido en colaboración entre el Banco Interamericano de Desarrollo (BID) y el Grupo Consultivo de Ayuda a la Población más Pobre (CGAP) del Banco Mundial, con los aportes de varias organizaciones privadas del sector microfinanciero

Directrices de consenso en el campo de las microfinanzas: Definición de términos, coeficientes y ajustes financieros para las microfinanzas

El propósito de este documento es proponer una definición estándar para cada uno de los términos financieros seleccionados y plantear un método común de cálculo para determinados coeficientes financieros. Fue producido en colaboración entre el Banco Interamericano de Desarrollo (BID) y el Grupo Consultivo de Ayuda a la Población más Pobre (CGAP) del Banco Mundial, con los aportes de varias organizaciones privadas del sector microfinanciero.Microempresas y microfinanciamiento, Servicios financieros, coeficientes financieros, microfinanzas, definiciones

PHIS, a plant science ontology-driven Phenotyping Hybrid Information System

International audiencePlant phenomics datasets are unprecedented resources for identifying and testing novel mechanisms and models. These datasets need to be reusable to the scientific community. Their analysis requires the understanding of relevant information on thousands of plants, sensors and events. The open-source Phenotyping Hybrid Information System (PHIS) is proposed for the smart management of plant phenotyping experimental data. It allows the unambiguous identification and management of all agronomical objects and traits in an experiment and establishes their relations thanks to semantics resources such as reference ontologies. PHIS deals with various experimental context, e.g. field and greenhouse conditions

Accurate Line Shapes from Sub‑1 cm^–1 Resolution Sum Frequency Generation Vibrational Spectroscopy of α‑Pinene at Room Temperature

Despite the importance of terpenes in biology, the environment, and catalysis, their vibrational spectra remain unassigned. Here, we present subwavenumber high-resolution broad-band sum frequency generation (HR-BB-SFG) spectra of the common terpene (+)-α-pinene that reveal 10 peaks in the C–H stretching region at room temperature. The high spectral resolution resulted in spectra with more and better resolved spectral features than those of the Fourier transform infrared, femtosecond stimulated Raman spectra in the bulk condensed phase and those of the conventional BB-SFG and scanning SFG spectroscopy of the same molecule on a surface. Experiment and simulation show the spectral line shapes with HR-BB-SFG to be accurate. Homogeneous vibrational decoherence lifetimes of up to 1.7 ps are assigned to specific oscillators and compare favorably to lifetimes computed from density functional tight binding molecular dynamics calculations. Phase-resolved spectra provided their orientational information. We propose the new spectroscopy as an attractive alternative to time domain vibrational spectroscopy or heterodyne detection schemes for studying vibrational energy relaxation and vibrational coherences in molecules at molecular surfaces or interfaces