Small Dollar Loans, Big Problems: How States Protect Consumers From Abuses and How the Federal Government Can Help

Across America, drivers pass twice as many payday loan storefronts as Starbucks coffee shops.2 In twenty-nine states, there are more payday lender stores than McDonald’s restaurants.3 Numerous research studies warn of the dangers associated with payday loans, including significantly higher rates of bankruptcies, evictions, utility shut-offs, and involuntary bank account closures.4 Many states have recognized the dangers posed by payday and other types of small-dollar loans with predatory features, prompting them to adopt laws to combat the abusive nature of these loans. These laws, however, offer consumers varying degrees of protection. Historically, states have used their police powers to protect consumers from predatory lending. This Article discusses the extent to which each state’s current laws protect consumers from lending abuses associated with four common small-dollar loans: payday loans, auto-title loans, six-month installment loans, and one-year installment loans.5 Specifically, this Article highlights the findings from the 2010 Small Dollar Loan Products Scorecard (Scorecard), which updated the original 2008 Scorecard. 6 Both the 2008 and 2010 Scorecard grade state laws based on the maximum annual percentage rate (APR) they allow for the four typical small-dollar loan products listed above. Since the 2008 Scorecard, there has been significant state legislative activity across the country related to small-dollar loans. Only a handful of states, however, have enacted new measures that adequately protect consumers. This Article provides policy recommendations to guide ongoing reform efforts. The Article highlights three key points. First, states should continue their longstanding good fight on behalf of American families against abusive, small dollar lending, but they need help. Congress and the Consumer Financial Protection Bureau (CFPB), which President Obama established when he signed the Dodd-Frank Wall Street Reform and Consumer Protection Act into law on July 21, 2010, should join the battle.7 Second, the states and Congress should focus their reform efforts on enacting an across-the-board usury cap of 36% APR on all small-dollar loans. Third, the states, CFPB, and Congress should impose several restrictions on high-cost (over 36% APR), small-dollar lending to help curb its abusive nature. In this Article, Part II describes the methodology used by the 2010 Scorecard. Part III reports the major changes that have occurred in the two years since the Scorecard’s original 2008 publication. Finally, Part IV proposes several policy recommendations, at the state and federal level, with the focus in the latter category on opportunities for action by the newly created CFPB

Participación parental escolar en dos instituciones educativas públicas de Madre de Dios, 2021

A nivel mundial la participación familiar en las escuelas se modificó con el SARS CoV-2 (Covid-19). De acuerdo a las investigaciones realizadas no se ha motivado a los padres de familia para que se involucren en el aprendizaje de sus hijos y en los resultados obtenidos, encuentran serias diferencias entre las escuelas públicas, privadas y del área rural y urbana. La investigación realizada se desarrolla en un contexto nuevo por la pandemia con el objetivo de determinar y comparar el nivel de Participación parental escolar en dos instituciones educativas públicas del nivel secundario ubicadas en área urbana y rural de Madre de Dios, 2021. La investigación es de tipo aplicada, con diseño descriptivo comparativo, enfoque cuantitativo de corte transversal. La muestra está conformada por 102 padres de familia divididos en un centro educativo urbano y la otra mitad en el área rural. Como técnica para lograr la información se aplicó la Escala de Diagnóstico de las Relaciones Familia - Escuela (DIREFAES). En los resultados descriptivos el contraste de la variable Participación parental escolar del centro educativo urbano es de 37.91% y del centro educativo rural el nivel de participación es de 65.09%. Para los resultados inferenciales se utilizó la prueba U de Man Whitney quedando demostrado que el nivel de Participación parental escolar en dos centros escolares públicos del área urbano y rural de Madre de Dios, 2021 son diferentes con p valor =0,000, es menor al 0,05 (nivel de significancia

Pre-treatment with grape seed extract reduces inflammatory response and oxidative stress induced by helicobacter pylori infection in human gastric epithelial cells

Helicobacter pylori (H. pylori) is a pathogenic bacteria identified as a potential risk factor for gastritis, gastric ulcers and gastric cancer. During the stomach colonization, H. pylori triggers a strong inflammatory response and subsequent oxidative stress, which are associated with tissue damage. For this reason, it is of particular interest to develop alternative natural tools that enable modulation of the associated damaging immune response. With this purpose, we obtained grape seed extract (GSE) from sweet (not fermented) food grade seeds. The aim of our study was to investigate the effect of GSE and its two enriched procyanidins fractions (OPC and PPC) on the inflammatory process and oxidative stress produced by different H. pylori strains in human gastric epithelial cells (AGS). Anti-inflammatory activity was evaluated by measuring the level of interleukin-8 (IL-8) secretion. IL-8 production was significantly reduced in H. pylori-infected human gastric epithelial cells pretreated with GSE or its enriched fractions when compared with non-pre-treated infected cells (from 21.6% to 87.8%). Pre-treatment with GSE or its fractions significantly decreased intracellular reactive oxygen species (ROS) production in AGS cells after infection, depending on the H. pylori strain. Our results also showed that GSE and its fractions demonstrate antibacterial activity against all strains of H. pylori used in the study. This work demonstrates the effectiveness of GSE enriched in procyanidins against the main events associated with H. pylori infection

EFICACIA DEL EDTA Y ÁCIDO CÍTRICO EN LA ELIMINACIÓN DEL BARRILLO DENTINARIO EN DIENTES EXTRAIDOS (2016)

RESUMENObjetivo: esta investigación fue realizar un análisis acerca de la eliminación del barrillo dentinario y comparar dos soluciones irrigadoras, ÁcidoEtilendiaminotetraacético(EDTA) al 17%, (Eufar®) y Ácido cítrico al 10%, de la casa comercial Olmedo. Material y Métodos: El estudio se ejecutó en 72 premolares unirradiculares extraídos, en los cuales se eliminó la corona dental; posteriormente se realizó un corte transversal para la observación al microscopio electrónico. Las piezas dentarias se dividieron en 3 grupos: Grupo A: grupo control, instrumentación biomecánica con la utilización de hipoclorito de sodio (NaCLO) al 5.25%. En el grupo B: instrumentación biomecánica con la utilización de hipoclorito de sodio (NaCLO) al 5.25%, suero fisiológico y EDTA como irrigante final. En el grupo C: Instrumentación biomecánica con hipoclorito de sodio (NaCLO) al 5.25%, suero fisiológico y Ácido Cítrico, como irrigante final, comparando su remoción en los tercios cervical, medio, apical, con la utilización de dos quelantes. Este estudio es comparativo, de laboratorio y transversal, busca comparar la eficacia de los diferentes agentes quelantes, utilizados durante la irrigación para la eliminación de barrido dentinario. Resultados:con la utilización de solo un irrigante, como el hipoclorito de sodio (NaCLO) al 5.25%, en los tres tercios, se pudo observar la presencia de una densa capa de barrido dentinario, mientras que utilizando el EDTA al 17% se observó una capa no muy densa de barrillo dentinario y finalmente con la utilización de Ácido cítrico la capa de barrillo dentinario se observó en mínimas cantidades, por lo tanto comparando las dos soluciones quelantes, se demostró que el 68% de las piezas tratadas con EDTA presentan una ligera capa de barrido dentinario, mientras que un 32% de las piezas tratadas con Ácido Cítrico, presentaban una mínima capa de barrillo dentinario

Factores de riesgo psicosociales y ambientales asociados a trastornos mentales

In Colombia, there are few studies on the association of psychosocial and environmental factors with the most prevalent mental disorders; such studies are important due to the context of violence, social insecurity, and job and economic instability in the country. The objective of this study was to identify the psychosocial and environmental risk factors for mental disorders, in users of psychological services in Colombia. The Mini International Neuropsychiatric Interview and a Questionnaire to evaluate the Axis-IV of the DSM-IV-TR were applied to 490 participants. The analysis comprised descriptive statistics and risk factors. As risk factors for depression, there were identified housing problems, access to health care services, problems related to the primary group, economics, problems of the social environment, and labor. For generalized anxiety, there were identified economic and education issues. For panic disorders, the risk factors were related to social environment, and for social phobia, the risk factors were problems in education, work and social environment.En Colombia, son escasos los estudios sobre la asociación de los factores psicosociales y medioambientales con trastornos mentales de mayor prevalencia; tales estudios son necesarios debido al contexto de violencia, inseguridad social e inestabilidad laboral y económica del país. El objetivo de este estudio fue identificar los factores de riesgo psicosociales y ambientales de los trastornos mentales, en los usuarios de servicios de psicología de Colombia. Para ello, se aplicaron el MiniInternational Neuropsychiatric Interview y un cuestionario de evaluación del Eje IV del DSM-IV-TR, a 490 participantes. Se utilizaron análisis descriptivos y de factores de riesgo. Como factor de riesgo para la depresión, se identificaron los problemas de vivienda, acceso a los servicios de asistencia sanitaria, los relativos al grupo primario, los económicos, del ambiente social y los problemas laborales. Para la ansiedad generalizada se identificaron los problemas económicos y los relativos a la enseñanza. Para los trastornos de pánico, fueron relevantes los problemas relacionados con el ambiente social, y para la fobia social, los problemas de enseñanza, los laborales y el ambiente social

Estado actual y propuesta de mejoramiento para los sistemas de control en el subsector del transporte público de pasajeros intermunicipal en la zona centro occidente de Colombia durante los años 2016-2017

El presente trabajo de investigación se direccionó en dos propósitos fundamentales que constituyen la naturaleza misma del fenómeno y orientan el ejercicio académico. En primer lugar, se llevó a cabo un análisis sobre el estado actual de los sistemas de control en el subsector del transporte público de pasajeros intermunicipal en la zona Centro Occidente de Colombia durante los años 2016-2017. A partir del anterior análisis, se estableció de manera general un plan de mejoramiento continuo para las organizaciones y empresas vinculadas en el estudio, a fin de posibilitar un avance en la prestación y calidad del servicio de transporte público intermunicipal entre los departamentos de Caldas, Chocó, Quindío, Valle y Risaralda, vinculados al ejercicio investigativo.The present research work was directed in two fundamental purposes that constitute the very nature of the phenomenon and guide the academic exercise. First, an analysis was carried out on the current status of control systems in the sub-sector of public intermunicipal passenger transport in the Central West of Colombia during the years 2016-2017. Based on the previous analysis, a continuous improvement plan was established in general for organizations and companies linked to the study, in order to enable progress in the provision and quality of intermunicipal public transport service between the departments of Caldas, Chocó , Quindío, Valle and Risaralda, linked to the research exercise.Universidad Libre Seccional Pereira - Facultad de Ciencias Economicas, Administrativas y Contables - Especialización en Revisoría fisca

Hyperoxemia and excess oxygen use in early acute respiratory distress syndrome : Insights from the LUNG SAFE study

Publisher Copyright: © 2020 The Author(s). Copyright: Copyright 2020 Elsevier B.V., All rights reserved.Background: Concerns exist regarding the prevalence and impact of unnecessary oxygen use in patients with acute respiratory distress syndrome (ARDS). We examined this issue in patients with ARDS enrolled in the Large observational study to UNderstand the Global impact of Severe Acute respiratory FailurE (LUNG SAFE) study. Methods: In this secondary analysis of the LUNG SAFE study, we wished to determine the prevalence and the outcomes associated with hyperoxemia on day 1, sustained hyperoxemia, and excessive oxygen use in patients with early ARDS. Patients who fulfilled criteria of ARDS on day 1 and day 2 of acute hypoxemic respiratory failure were categorized based on the presence of hyperoxemia (PaO2 > 100 mmHg) on day 1, sustained (i.e., present on day 1 and day 2) hyperoxemia, or excessive oxygen use (FIO2 ≥ 0.60 during hyperoxemia). Results: Of 2005 patients that met the inclusion criteria, 131 (6.5%) were hypoxemic (PaO2 < 55 mmHg), 607 (30%) had hyperoxemia on day 1, and 250 (12%) had sustained hyperoxemia. Excess FIO2 use occurred in 400 (66%) out of 607 patients with hyperoxemia. Excess FIO2 use decreased from day 1 to day 2 of ARDS, with most hyperoxemic patients on day 2 receiving relatively low FIO2. Multivariate analyses found no independent relationship between day 1 hyperoxemia, sustained hyperoxemia, or excess FIO2 use and adverse clinical outcomes. Mortality was 42% in patients with excess FIO2 use, compared to 39% in a propensity-matched sample of normoxemic (PaO2 55-100 mmHg) patients (P = 0.47). Conclusions: Hyperoxemia and excess oxygen use are both prevalent in early ARDS but are most often non-sustained. No relationship was found between hyperoxemia or excessive oxygen use and patient outcome in this cohort. Trial registration: LUNG-SAFE is registered with ClinicalTrials.gov, NCT02010073publishersversionPeer reviewe

Optimasi Portofolio Resiko Menggunakan Model Markowitz MVO Dikaitkan dengan Keterbatasan Manusia dalam Memprediksi Masa Depan dalam Perspektif Al-Qur`an

Risk portfolio on modern finance has become increasingly technical, requiring the use of sophisticated mathematical tools in both research and practice. Since companies cannot insure themselves completely against risk, as human incompetence in predicting the future precisely that written in Al-Quran surah Luqman verse 34, they have to manage it to yield an optimal portfolio. The objective here is to minimize the variance among all portfolios, or alternatively, to maximize expected return among all portfolios that has at least a certain expected return. Furthermore, this study focuses on optimizing risk portfolio so called Markowitz MVO (Mean-Variance Optimization). Some theoretical frameworks for analysis are arithmetic mean, geometric mean, variance, covariance, linear programming, and quadratic programming. Moreover, finding a minimum variance portfolio produces a convex quadratic programming, that is minimizing the objective function ðð¥with constraintsð ð 𥠥 ðandð´ð¥ = ð. The outcome of this research is the solution of optimal risk portofolio in some investments that could be finished smoothly using MATLAB R2007b software together with its graphic analysis

Search for supersymmetry in events with one lepton and multiple jets in proton-proton collisions at root s=13 TeV

Peer reviewe