Success Factors in Peer-to-Business (P2B) Crowdlending: A Predictive Approach

Peer-to-Business (P2B) crowdlending is gaining importance among companies seeking funding. However, not all projects get the same take-up by the crowd. Thus, this study aims to determine the key factors that drive non-professional investors to choose a given loan in an online environment. To this purpose, we have analyzed 243 crowdlending campaigns on October.eu platform. We have obtained a series of variables from the analyzed loans using logistic regression. Results indicate that loan amount, loan term and overall credit rating are the key predictors of non-professional lender P2B crowdlending success. These findings may be useful for predicting whether the crowd will subscribe to a loan request or not. This information would help businesses to modify specific loan characteristics (if possible) to make their loans more attractive or could even lead companies to consider a different financial option. It could also help platforms select and adapt project parameters to secure their success

TGA/FTIR study of the decomposition of Heet tobacco in presence of zeolites and silicate compounds

This paper studied the thermal behaviour of Heet tobacco analysing the functional groups generated in the process of decomposition in inert and oxidative atmosphere. The effect of three zeolites, ZSM5, USY, and Beta, and two silicates, SBA-15 and Silica Fumed (SF) in the compounds of decomposition has been studied. The stages of decomposition of the tobacco (TGA) and the evolution of the functional groups with temperature (FTIR) have been analyzed. All additives produce significant changes in the volatiles generated under both atmospheres, being Beta zeolite and especially SBA-15 the materials more markedly reducing the yields of methylene, alcohols, CO, CO2 and carbonyl compounds, during the pyrolysis of Heet tobacco under nitrogen and air atmospheres. This effect may contribute efficiently to further reduce the toxicity of the Heet HNB tobacco.Financial support for this investigation has been provided by the “Conselleria de Educacion, Investigacion, Cultura y Deportes” (IDIFEDER 2018/009 and PROMETEO 2020/093)

La flexion nominale en -is, -in

El desarrollo de las terminaciones de la segunda declinación -ios y -ion a -is, -in a partir del siglo III a.C., documentado a partir de una fecha más temprana y de modo más frecuente en Egipto, debe ser puesto en relación probablementente, entre otros factores secundarios, con el paso del acento musical al acento de intensidad.Peer reviewe

Effect of the addition of zeolites and silicate compounds on the composition of the smoke generated in the decomposition of Heet tobacco under inert and oxidative atmospheres

Five potential additives, three zeolites and two silicates, have been studied for reducing the amount of compounds generated when smoking Heet tobacco. Pyrolysis-gas chromatography-mass spectrometry experiments (Py-GC/MS) show that this type of tobacco generates large amounts of nicotine and glycerol and compounds such as phenol, acetaldehyde, acetone and formaldehyde that are classified as harmful components and potentially harmful (HPHC). USY and SBA-15 are the additives that present major reductions in inert and oxidative atmosphere, being these reductions greater for SBA-15. These results have been confirmed by smoking experiments that show significant reductions for SBA-15, especially in the total particle matter (TPM) where a reduction of more than 40% is obtained for most of the compounds, being for several compounds even higher than 60%. These additives may further reduce the toxicity of Heet tobacco.Financial support for this investigation has been provided by the “Conselleria de Educacion, Investigacion, Cultura y Deportes” (IDIFEDER 2018/009 and PROMETEO2020/093)

Study of the decomposition of Vacuum Gas Oils-Low Density Polyethylene blends: evolution of the gases

Presentado como póster en el 11th Mediterranean Congress of Chemical Engineering, Barcelona 2008. Resumen publicado en el libro de actas del congreso.The growth of the production and consumption of plastics has been increased drastically in this decade. An alternative approach of the tertiary recycling is based on the fact that it is possible to mix polymers of olefinic base (polyethylene, polypropylene) and of styrene base in the usual feed of the process of fluid catalytic cracking of hydrocarbons (FCC) in the refineries, and to turn them into products in the range of gasoline. Previous studies focused on the behaviour of different samples of vacuum gas oil (VGO), polyethylene (PE) and vacuum gas oil-polyethylene blends (VGO-PE) in the thermal and catalytic pyrolysis process, showed that the pyrolysis of the blends goes through two decomposition steps, being the first step related to the elimination of the VGO fraction, and the second to the pyrolysis of PE. Moreover, the presence of catalyst mainly affects the PE decomposition. In this work, the evolution with the temperature (or time) of the composition of the gases evolved in the thermal and catalytic pyrolysis of VGO, PE and a VGO-PE blend have been studied by GC/MS. The results obtained yield valuable information for designing processes of plastic recycling by this route, where the VGO-PE mixture can be treated in a unit similar to the industrial FCC unit, since the presence of polyethylene does not considerably affect the global composition of the gases with respect to the VGO, but adds an additional decomposition step at higher temperatures. Moreover, its presence favours the formation of iso-butane, propane, and butane, which form part of the liquefied petroleum gas (LP).Comisión de Investigación Científica y Tecnológica de la Secretaría de Estado de Educación, Universidades, Investigación y Desarrollo and the European Community (FEDER refunds) (CICYT PPQ2004-02187), Generalitat Valenciana (ACOMP06/162 and ACOMP/2007/094), and University of Alicante; Grupo de Procesado y Pirólisis de Polímeros (VIGROB099)

Study of the decomposition of Vacuum Gas Oils-Low Density Polyethylene blends: evolution of the liquids

Presentado como póster en el 11th Mediterranean Congress of Chemical Engineering, Barcelona 2008. Resumen publicado en el libro de actas del congreso.In this work, dynamic pyrolysis runs of different samples of vacuum gas oil (VGO), polyethylene (PE) and a vacuum gas oil-polyethylene blend with a 10% of PE (VGO-PE) have been performed in a vertical reactor in order to study the products obtained in the thermal and the catalytic pyrolysis using an equilibrium FCC catalyst. Different than the most works studying the composition of the products evolved in the pyrolysis process, which analyzes the overall gaseous or liquid product collected through the complete degradation of polymer, in this case, different samples along the process have been collected, and the evolution with the temperature (or the time) of the composition of the liquids evolved has been studied by GC/MS. The results obtained permit to better know the nature of the processes involved in each step of decomposition and to analyze the possibility of recycling plastics by mixing them with the vacuum gas oil in the refineries. The results obtained indicate that, in the thermal pyrolysis, the sample of VGO was not degraded, but a process similar to a fractionated distillation occurs, and the composition of the condensed product obtained at the exit of the reactor is very similar to that corresponding to the original VGO, where alkanes with more than 20 carbon atoms (CLO) were the main compounds of the liquids obtained. The composition of the liquids observed in the thermal pyrolysis of the VGO, PE blend seems to be a mixture of the corresponding to pure VGO and PE. However, the presence of the catalyst changes the selectivity, and for the three cases studied, the major compounds are in the range of the gasolines.Comisión de Investigación Científica y Tecnológica de la Secretaría de Estado de Educación, Universidades, Investigación y Desarrollo and the European Community (FEDER refunds) (CICYT PPQ2004-02187), Generalitat Valenciana (ACOMP06/162 and ACOMP/2007/094), and University of Alicante; Grupo de Procesado y Pirólisis de Polímeros (VIGROB099)

Falisco "faced" y el perfecto de *dheH -k- "hacer" en las lenguas itálicas

[ES] La aparición de la forma faced en una cratera falisca tiene importantes implicaciones para el análisis de las formaciones de la raíz *dheH1-k- en las lenguas itálicas. Las formas de presente pueden explicarse a partir de un tema con grado radical cero y sufijo *-yo-, mientras que para el perfecto se utilizan formaciones con reduplicación y grado cero (*fe-fak-). Falisco faced, al igual que sus correspondientes en lenguas sabélicas, puede explicarse como un perfecto con pérdida de la reduplicación, mientras que latín feci sería el único testimonio de un perfecto “aorístico”. La constatación de que faced es un perfecto del verbo “hacer” en falisco obliga, además, a descartar la derivación a partir de esa misma raíz de las formas fifiked y fifiqod, lo que supone un argumento más en contra de la existencia de un perfecto reduplicado con vocal radical larga para esta raíz (tipo *fe-fÉk-) en las lenguas itálicas.[EN] The occurrence of the verb faced, which is now attested on a Faliscan krater, has major implications for the analysis of the forms built on the root *dheH1-k- in the Italic languages. Present tense forms of that root are characterized by a zero root grade and a suffix *-yo-, while the perfect is a formation with zero root grade and reduplication (*fe-fak-). Faliscan faced and its correspondants in Sabellic languages can be best explained as “dereduplicated” perfects, as opposed to the “aoristic” Latin perfect feci. The fact that faced is the perfect of the verb “make” in Faliscan also shows that Faliscan fifiked and fifiqod cannot belong to that root. This is an additional piece of evidence against the existence of a perfect with reduplication and a long root vowel (the *fe-fÉk- type) in the Italic languages.Peer reviewe

Vision-based interface applied to assistive robots

This paper presents two vision-based interfaces for disabled people to command a mobile robot for personal assistance. The developed interfaces can be subdivided according to the algorithm of image processing implemented for the detection and tracking of two different body regions. The first interface detects and tracks movements of the user's head, and these movements are transformed into linear and angular velocities in order to command a mobile robot. The second interface detects and tracks movements of the user's hand, and these movements are similarly transformed. In addition, this paper also presents the control laws for the robot. The experimental results demonstrate good performance and balance between complexity and feasibility for real-time applications.Fil: Pérez Berenguer, María Elisa. Universidad Nacional de San Juan. Facultad de Ingeniería. Departamento de Electrónica y Automática. Gabinete de Tecnología Médica; Argentina. Consejo Nacional de Investigaciones Científicas y Técnicas; ArgentinaFil: Soria, Carlos Miguel. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - San Juan. Instituto de Automática. Universidad Nacional de San Juan. Facultad de Ingeniería. Instituto de Automática; ArgentinaFil: López Celani, Natalia Martina. Universidad Nacional de San Juan. Facultad de Ingeniería. Departamento de Electrónica y Automática. Gabinete de Tecnología Médica; Argentina. Consejo Nacional de Investigaciones Científicas y Técnicas; ArgentinaFil: Nasisi, Oscar Herminio. Universidad Nacional de San Juan. Facultad de Ingeniería. Instituto de Automática; ArgentinaFil: Mut, Vicente Antonio. Consejo Nacional de Investigaciones Científicas y Técnicas. Centro Científico Tecnológico Conicet - San Juan. Instituto de Automática. Universidad Nacional de San Juan. Facultad de Ingeniería. Instituto de Automática; Argentin