Technology replaces culture in microcredit markets: the case of Italian MAGs

We collect data from three Italian microcredit institutions which operate in urban areas by granting individual loans to two categories of wealthless borrowers: single entrepreneurs and organizations (cooperatives and associations).Evidence shows that organizations repay with higher probability and are charged a lower average interest rate than individuals. We use these findings to construct a lending scheme which consists of granting loans provided that borrowers form production teams (i.e. organizations). We consider a microcredit market with adverse selection à la De Meza- Webb and we verify that repayment rate increases, while interest rate falls with respect to individual lending if the above scheme, which we refer to as production team lending, is implemented. Our instrument, like joint liability implemented in rural economies, extracts information from borrowers through a peer selection mechanism but, differently from joint liability, fits to urban contexts where borrowers are less likely to know each other and social sanctions are weak.Microcredit, Urban areas, Production Team Lending, Adverse Selection

Experimental and theoretical lifetimes and transition probabilities in Sb I

We present experimental atomic lifetimes for 12 levels in Sb I, out of which seven are reported for the first time. The levels belong to the 5p$^2$($^3$P)6s $^{2}$P, $^{4}$P and 5p$^2$($^3$P)5d $^{4}$P, $^{4}$F and $^{2}$F terms. The lifetimes were measured using time-resolved laser-induced fluorescence. In addition, we report new calculations of transition probabilities in Sb I using a Multiconfigurational Dirac-Hartree-Fock method. The physical model being tested through comparisons between theoretical and experimental lifetimes for 5d and 6s levels. The lifetimes of the 5d $^4$F$_{3/2, 5/2, 7/2}$ levels (19.5, 7.8 and 54 ns, respectively) depend strongly on the $J$-value. This is explained by different degrees of level mixing for the different levels in the $^4$F term.Comment: 10 page

Fairway: A Way to Build Fair ML Software

Machine learning software is increasingly being used to make decisions that affect people's lives. But sometimes, the core part of this software (the learned model), behaves in a biased manner that gives undue advantages to a specific group of people (where those groups are determined by sex, race, etc.). This "algorithmic discrimination" in the AI software systems has become a matter of serious concern in the machine learning and software engineering community. There have been works done to find "algorithmic bias" or "ethical bias" in the software system. Once the bias is detected in the AI software system, the mitigation of bias is extremely important. In this work, we a)explain how ground-truth bias in training data affects machine learning model fairness and how to find that bias in AI software,b)propose a methodFairwaywhich combines pre-processing and in-processing approach to remove ethical bias from training data and trained model. Our results show that we can find bias and mitigate bias in a learned model, without much damaging the predictive performance of that model. We propose that (1) test-ing for bias and (2) bias mitigation should be a routine part of the machine learning software development life cycle. Fairway offers much support for these two purposes.Comment: ESEC/FSE'20: The 28th ACM Joint European Software Engineering Conference and Symposium on the Foundations of Software Engineerin

Application of 7N In as secondary cathode for the direct current-glow discharge mass spectrometry analysis of solid, fused high-purity quartz

Direct current glow discharge mass spectrometry with an indium-based secondary cathode technique is used to analyze solid, nonconducting, fused high-purity quartz regarding metallic impurities of relevance to the solar industry. Details of the analytical routines are presented. In this work, the secondary cathode design and glow discharge conditions are optimized beyond the commonly applied practices. In addition, relative sensitivity factors (RSFs) for these optimized conditions are established and compared to previously published results. The results indicate that the technique enables stable measurements with detection limits down to the part per billion (ppb) range.publishedVersio

Summary of Lincoln Laboratory Technical Information Releases (TIR's) Issued By The Production Coordination Office (PCO) (Cumulative List Through 17 November 1954)

The summary is a catalogued listing of TIR's that have been issued to date and indicates present status. The PCO is an office established by the Lincoln Director's Office to serve as the contact point at Lincoln in connection with the SAGE System, and to formally release Lincoln documents covering system specifications and requirements

Microbiota composition of simultaneously colonized mice housed under either a gnotobiotic isolator or individually ventilated cage regime

Germ-free rodents colonized with microbiotas of interest are used for host-microbiota investigations and for testing microbiota-targeted therapeutic candidates. Traditionally, isolators are used for housing such gnotobiotic rodents due to optimal protection from the environment, but research groups focused on the microbiome are increasingly combining or substituting isolator housing with individually ventilated cage (IVC) systems. We compared the effect of housing systems on the gut microbiota composition of germ-free mice colonized with a complex microbiota and housed in either multiple IVC cages in an IVC facility or in multiple open-top cages in an isolator during three generations and five months. No increase in bacterial diversity as assessed by 16S rRNA gene sequencing was observed in the IVC cages, despite not applying completely aseptic cage changes. The donor bacterial community was equally represented in both housing systems. Time-dependent clustering between generations was observed in both systems, but was strongest in the IVC cages. Different relative abundance of a Rikenellaceae genus contributed to separate clustering of the isolator and IVC communities. Our data suggest that complex microbiotas are protected in IVC systems, but challenges related to temporal dynamics should be addressed