Benefits of digital-only financial inclusion

Many countries are using digital tools and technologies to increase financial inclusion and improve the well-being of households and communities. There is growing interest in using only digital tools to increase financial inclusion. A term used to describe this is digital-only financial inclusion. This chapter identifies the benefits of digital-only financial inclusion. The benefits include convenience, ensuring digital access to additional financial services, generating useful data to improve customers’ welfare, increased safety, enabling the democratisation of financial services, improving social welfare and economic growth, reaching the poorest in remote areas, and increasing digital literacy. Policymakers and financial sectors agents should be aware of the benefits of digital-only financial inclusion while being mindful of the associated risks

Impact of annual versus semiannual mass drug administration with ivermectin and albendazole on helminth infections in southeastern Liberia

We compared the impact of three rounds of annual and five rounds of semiannual mass drug administration (MDA) with albendazole plus ivermectin on helminthic infections in Liberia. Repeated annual cross-sectional community surveys were conducted between 2013 and 2019 in individuals of 5 years and older. Primary outcome was the change of infection prevalence estimates from baseline to month 36 (12 months after the last treatment). After three rounds of annual MDA, Wuchereria bancrofti circulating filarial antigen (CFA) and microfilaria (Mf) prevalence estimates decreased from 19.7% to 4.3% and from 8.6% to 0%, respectively; after semiannual MDA, CFA and Mf prevalences decreased from 37.8% to 16.8% and 17.9% to 1%, respectively. Mixed effects logistic regression models indicated that the odds of having Mf decreased by 97% (P \u3c 0.001) at month 36 (similar odds for annual and semiannual MDA zones). A parallel analysis showed that the odds of CFA were reduced by 83% and 69% at 36 months in the annual and semiannual treatment zones, respectively (P \u3c 0.001). Onchocerca volvulus Mf prevalence decreased slightly after multiple MDA rounds in both treatment zones. Reductions in hookworm and Trichuris trichiura prevalences and intensities were slightly greater in the annual treatment zone. Ascaris lumbricoides prevalence rates were relatively unchanged, although infection intensities decreased sharply throughout. Results show that annual and semiannual MDA were equally effective for reducing LF and soil-transmitted helminth infection parameters over a 3-year period, and reductions recorded at month 36 were sustained by routine annual MDA through month 72

Burns in pregnancy: Five-year experience in a tertiary hospital in southeastern Nigeria

BackgroundBurns in pregnancy is often associated with high maternal and fetal morbidity and mortality especially when the total burn surface area (TBSA) involved is high. This study aims to review management outcome of cases of burns in pregnancy at Alex Ekwueme Federal University Teaching Hospital Abakaliki (AE-FUTHA).MethodsA five year retrospective study of all pregnant women that presented at AE-FUTHA with burn injury between April 2014 and March 2019. Information was collected from the medical records using a proforma and analyzed with IBM SPSS Statistics version 20.0 (IBM Corp., Armonk, NY, USA) using descriptive statistics.ResultsA total of 222 cases of burns were managed but only 8 were pregnant, giving an incidence of 3.6%. The commonest causes were flame (62.5%), scald (25%) and friction (12.5%) occurring mostly during the harmattan season. The median age of participants was 25-34 years. The burns affected 12.5% of the patients in the first trimester and 62.5% and 25% in the 2nd and 3rd trimesters respectively. Most patients (62.5%) had superficial burns while 25% had other associated injuries in addition to burns. About 87.5% had term spontaneous vaginal delivery. There was no maternal death but, there was an early neonatal death.ConclusionThe good outcome observed in this study with a 100% survival, could be explained by inter-disciplinary management approach given, even as most cases were minor degrees of burns. Early involvement of obstetricians in all burns affecting pregnant women is advised especially in burn centres where obstetricians are hardly in the employ

Heritability of Body Weight, Growth Rate Indices and Their Association with Insulin-Like Growth Factor-2 Gene Polymorphism in Purebred Nigerian Indigenous Chickens and their Crosses with Marshal Chickens

This research was conducted to estimate heritability of body weight and growth rate indices and also to determine their association with insulin-like growth factor-2 genes (IGF-2) polymorphism in purebred Nigerian indigenous chickens and their crosses with Marshal chickens. A total of 300 progenies were generated from the mating of three genotypes of F5 generation of Nigerian indigenous chickens (Normal feather (N), Frizzle feather (F), Naked neck (NN)) and Marshal (M) chickens. Blood samples were collected at twenty weeks for DNA extraction and IGF-2 gene amplification. IGF-2 gene was digested by restriction enzyme (Pst1) and genotyped using restriction fragment length polymorphism method. Growth rate indices (absolute (AGR) and relative growth rates (RGR)) were estimated and associated with IGF-2 gene polymorphism.  The results show that IGF-2 allelic variants had no effect on the body weight (BW), AGR and RGR while chicken’s genotype effect was significant (p<0.01) on BW and AGR. Two crossbred genotypes (NxM,1524.23±137.20 and 1894.92±122.81), (FxM, 1445.19±177.24 and 1840.88±177.86) had better performance for AGR and BW, respectively, compared to the purebred of Nigerian indigenous chickens. The heritability values ranged from low (.06±.021) to high (.77±.24)

Comparing antigenaemia- and microfilaraemia as criteria for stopping decisions in lymphatic filariasis elimination programmes in Africa

BACKGROUND: Mass drug administration (MDA) is the main strategy towards lymphatic filariasis (LF) elimination. Progress is monitored by assessing microfilaraemia (Mf) or circulating filarial antigenaemia (CFA) prevalence, the latter being more practical for field surveys. The current criterion for stopping MDA requires \u3c2% CFA prevalence in 6- to 7-year olds, but this criterion is not evidence-based. We used mathematical modelling to investigate the validity of different thresholds regarding testing method and age group for African MDA programmes using ivermectin plus albendazole. METHODOLGY/PRINCIPAL FINDINGS: We verified that our model captures observed patterns in Mf and CFA prevalence during annual MDA, assuming that CFA tests are positive if at least one adult worm is present. We then assessed how well elimination can be predicted from CFA prevalence in 6-7-year-old children or from Mf or CFA prevalence in the 5+ or 15+ population, and determined safe (\u3e95% positive predictive value) thresholds for stopping MDA. The model captured trends in Mf and CFA prevalences reasonably well. Elimination cannot be predicted with sufficient certainty from CFA prevalence in 6-7-year olds. Resurgence may still occur if all children are antigen-negative, irrespective of the number tested. Mf-based criteria also show unfavourable results (PPV \u3c95% or unpractically low threshold). CFA prevalences in the 5+ or 15+ population are the best predictors, and post-MDA threshold values for stopping MDA can be as high as 10% for 15+. These thresholds are robust for various alternative assumptions regarding baseline endemicity, biological parameters and sampling strategies. CONCLUSIONS/SIGNIFICANCE: For African areas with moderate to high pre-treatment Mf prevalence that have had 6 or more rounds of annual ivermectin/albendazole MDA with adequate coverage, we recommend to adopt a CFA threshold prevalence of 10% in adults (15+) for stopping MDA. This could be combined with Mf testing of CFA positives to ensure absence of a significant Mf reservoir for transmission

Court Cases, Cultural Expertise and ´Female Genital Mutilation' in Europe

This chapter discusses adjudication, expertise, and cultural difference as it appears in criminal court cases concerning female genital cutting (FGM) in the EU, as reported in a 2015 comparative overview. It begins with the distinction between typical and atypical FGM cases; a distinction that connects court cases to the cultural realities of the practicing communities, suggesting that the lack of cultural knowledge can cause unnecessary suffering to families and/or individuals who wrongly undergo prosecution in alleged FGM cases. A contrario, the intervention of experts in FGM court cases could be a positive approach to assessing the legitimacy of public intervention in certain cases

The human rights implications of virginity testing in South Africa

This article examines the historical context of virginity testing in Southern Africa with a focus on South Africa. It then examines the arguments often adduced in justifying the introduction of this practice. The two major arguments to support the reintroduction of virginity testing, namely, that it helps in reducing the spread of HIV and in preserving societal moral values are critically examined. Thereafter, the article discusses how the ever contentious debate between universalists and relativists applies to virginity testing. The last part of the article then considers the human rights implications of virginity testing

Designing of the grid with protection of A 11/0.4KV ,315KVA transformer

Distribution networks act as a channel between the generation and the costumers, this network should guarantees a stable and efficient delivery of electricity to specified consumers in the business areas withal this consideration the grid was designed with easy access for maintenance, service, and futures expansion and upgrade of the networkBSc/BAAutomatio

Determinants of Foreign Direct Investment and Economic Growth in the West African Monetary Zone: A System Equations Approach

Although the theory of diminishing returns to capital postulates that capital should be invested where its ratio to other production factors is low, evidence on the flow of Foreign Direct Investment (FDI) speaks to the contrary. Slightly more than 70 percent of world FDI in the past 20 years has gone to developed countries, where capital/labour ratio is much higher than in the developing countries. Although the literature on the FDIgrowth nexus is burgeoning, this paper departs from earlier studies by specifically analyzing the candidate determinants of FDI in the West African Monetary Zone (WAMZ) and investigating the cause-effect relationship between FDI and growth. Using a simultaneous-equations method on a panel of WAMZ countries over the period 1980 to 2002, we find no evidence of a two-way causal relationship between FDI flows and economic growth. Rather FDI tends to be attracted by high per capita income, better infrastructure and political stability. Hence, any meaningful attempts at attracting FDI must take cognizance of these determinants