Dominican Republic: Analysis of the Clients of FondoMicro

This report provides a preliminary quantitative analysis of the financial results of five organizations which are clients of FondoMicro. It also includes a qualitative assessment of the long-run vision held by these institutions' managers and of the organizations' ability to allow a transformation into self-sustainable institutions, whose financial contracts are useful to small and micro entrepreneurs.O54 H43

Ciencia, arte y realismo científico

En este trabajo se examinan las analogías realizadas por Chakravartty Se concluye que dichas analogías, que el autor emplea favor del realismo científico, podrían ser utilizadas más "naturalmente" y de un modo menos forzado a favor del antirealismo. Ello sería indicio de que el uso que hace de esas analogías es un ejemplo de algo que el autor considera frecuente en las discusiones entre realistas y antirrealistas: la argumentación suele ser "self begging", vale decir, supone ya la corrección de la postura que pretende defender

Linking poverty, natural resources, and financial markets: a model of land use by rural households in El Salvador

This paper posits that deforestation and poverty levels are related through an inverted-U shape --the environmental Kuznets-- curve and that access to credit shifts this curve downwards, thus positively impacting natural resource uses. This hypothesis is tested using a household panel data set from El Salvador.Land Economics/Use,

A COMPARISON OF OPTION-THEORETIC AND CHOICE-THEORETIC APPROACHES TO EVALUATING ALTERNATIVE FINANCIAL TECHNOLOGIES FOR MORTGAGE LOANS TO LOW-INCOME HOUSEHOLDS

This paper evaluates the efficacy of two alternative lending technologies - the traditional banking technology and a cash flow based counseling program - by using competing risks (option-based) and choice theoretic approaches. We find evidence to support the notion that low-income borrowers have some degree of financial sophistication, as they prepay the mortgage loan by considering the current value of the call option. The evidence also suggests that borrower heterogeneity and insolvency affect mortgage termination.credit counseling, competing risks, low-income mortgage loans., Financial Economics, Q140 (Agricultural Finance), Q140,

Symphony Orchestra Fall Concert

Andrews University Symphony presents its Fall Concert Carla Trynchuk, Soloist Featuring works by Prokofiev and Dvorakhttps://digitalcommons.andrews.edu/events-2015-2016/1003/thumbnail.jp

Music Without Frontiers

Andrews University symphony Orchestra presents works by Bloch, Bruch, Copland, Chavez and Marquez in their Fall concert, featuring soloists: Carla Trynchuk, violin and Joel Pagan, viola.https://digitalcommons.andrews.edu/events-2015-2016/1001/thumbnail.jp

Young Artist Concert

The Young Artist Concert features student winners from an on-campus competition who demonstrate excellence in their technical and emotive musical ability. These young artists are accompanied by the Andrews University Symphony Orchestra, under the direction of Claudio Gonzalez.https://digitalcommons.andrews.edu/events-2015-2016/1015/thumbnail.jp

Which could be the role of Hybrid Fibre Coax in Next Generation Access networks?

Next generation access networks (NGAN) will support a renewed communication structure where opportunities lie in the provision of ubiquitous broadband connectivity, a wide variety of new applications, appealing contents and a general support to the sustainable growth of diverse sectors. From their deployment it is expected a wealth of innovations, jobs creation and a new wave of economic growth. In this paper we discuss which could be the role of Hybrid Fibre Coax (HFC) in the Next Generation Access Network (NGAN) roadmap. Thus, we propose a simplified model for making approximate cost calculations for HFC deployment based on the geographic and sociodemographic characteristics of Spain. Considering the latest evolution of HFC based on DOCSIS 3.0 from integrated (I-CMTS) towards modular (M-CMTS), the results from the model are compared with the most competitive NGAN for ultrabroadband speeds: Fibre to the Home (FTTH) based on Gigabitcapable Passive Optical Networks (GPON

La eficiencia en la Política criminal: estudio del Sistema de Análisis Criminal y Focos Investigativos (SACFI) de Chile

La eficiencia en la Política criminal: estudio del Sistema de Análisis Criminal y Focos Investigativos (SACFI) de Chil