Seasonal and extreme poverty in Bangladesh : evaluating an ultra-poor microfinance project

Microfinance is often criticized for not adequately addressing seasonality and hard-core poverty. In Bangladesh, a program known as PRIME was introduced in 2006 to address both concerns. Unlike regular microfinance, PRIME introduces a microfinance scheme that offers a flexible repayment schedule and consumption smoothing, as well as production, loans. It targets the ultra-poor, many of whom are also seasonally poor, with a severe inability to smooth consumption during certain months of the year. Besides providing loans, PRIME offers extension and training services. This paper uses a quasi-experimental survey design to evaluate PRIME against regular microfinance programs. The results show that PRIME is more effective than regular microfinance in reaching the ultra-poor, as well as the seasonal poor. PRIME also helps reduce seasonal deprivation and extreme poverty. Although the program has demonstrated its promise, it is too early to conclude whether the accrued benefits are large enough to contain both seasonal and chronic poverty on a sustained basis.Rural Poverty Reduction,Regional Economic Development,Food&Beverage Industry,Debt Markets

Can social safety nets alleviate seasonal deprivation ? evidence from northwest Bangladesh

This paper examines the role of social safety-net programs in Bangladesh run by the government and nongovernmental organizations to mitigate seasonal deprivation in the country's highly vulnerable northwest region. Specifically, the paper explores whether social safety nets are limited to averting seasonal deprivation or can also address seasonality of income and employment more generally. Using a recent survey from the greater Rangpur (northwest) region, the paper finds that social safety nets have a positive effect on mitigating both seasonal and non-seasonal food deprivation. The results are robust, owing to the recent expanded coverage of social safety-net programs run by nongovernmental organizations active in the region. But given the annual recurrence of monga (seasonal food insecurity) in the northwest region owing to agricultural seasonality and an overwhelming dependence on agriculture for livelihoods, social safety nets are not a reliable tool for monga eradication. Programs are also needed to promote the income and productivity of the poor through diversification of income and employment.Safety Nets and Transfers,Rural Poverty Reduction,Food&Beverage Industry,Regional Economic Development,Housing&Human Habitats

Kondenzirani pirimidini. II dio: Sinteza i antimikrobna aktivnost nekih furo[3,2-e]imidazo[1,2-c]pirimidina i furo[2,3-d]pirimidina

2-Amino-4,5-diphenylfuran-3-carbonitrile (2) reacted with N-[bis(methylthio)methylene]glycine ethyl ester (1) to afford a double cyclized product 5-methylthio-8,9-diphenylfuro[3,2-e]imidazo [1,2-c]pyrimidin-2(3H)-one (3). Compound 2 also reacts with benzonitrile to give 4-amino- 2,5,6-triphenylfuro[2,3-d]pyrimidine (4). Treatment of 2 with HCONH2, under reflux, afforded 4-amino-5,6-diphenylfuro[2,3-d]pyrimidine (5) which was then allowed to react with chloroacetaldehyde to give 8,9-diphenylfuro[3,2-e]imidazo[1,2-c]pyrimidine (6). Reaction of 2 with HCOOH gave 5,6-diphenylfuro[2,3-d]pyrimidin-4(3H)-one (7) which was then converted to its tosyl derivative (8). The antimicrobial activity of the synthesized compounds 2–8 was tested.2-Amino-4,5-difenilfuran-3-karbonitril (2) u reakciji s etilnim esterom N-[bis(metiltio)metilen]glicina (1) daje produkt dvostruke ciklizacije – 5-metiltio-8,9-difenilfuro[3,2-e]imidazol[1,2-c]pirimidin-2(3H)-on (3). Također, u reakciji s benzonitrilom spoj 2 daje 4-amino-2,5,6-trifenilfuro[2,3-d]pirimidin (4). Grijanjem spoja 2 s HCONH2 dobiven je 4-amino-5,6-difenilfuro[2,3-d]pirimidin (5), koji reakcijom s kloracetaldehidom daje 8,9- difenilfuro[2,3-d]imidazo[1,2-c]pirimidin (6). Reakcijom 2 s HCOOH dobiven je 5,6-difenilfuro[2,3-d]pirimidin- 4(3H)-on (7), koji je preveden u tozilat (8). Spojevima 2-8 ispitana je antimikrobna aktivnost

Predicting Dementia With Routine Care EMR Data

Our aim is to develop a machine learning (ML) model that can predict dementia in a general patient population from multiple health care institutions one year and three years prior to the onset of the disease without any additional monitoring or screening. The purpose of the model is to automate the cost-effective, non-invasive, digital pre-screening of patients at risk for dementia. Towards this purpose, routine care data, which is widely available through Electronic Medical Record (EMR) systems is used as a data source. These data embody a rich knowledge and make related medical applications easy to deploy at scale in a cost-effective manner. Specifically, the model is trained by using structured and unstructured data from three EMR data sets: diagnosis, prescriptions, and medical notes. Each of these three data sets is used to construct an individual model along with a combined model which is derived by using all three data sets. Human-interpretable data processing and ML techniques are selected in order to facilitate adoption of the proposed model by health care providers from multiple institutions. The results show that the combined model is generalizable across multiple institutions and is able to predict dementia within one year of its onset with an accuracy of nearly 80% despite the fact that it was trained using routine care data. Moreover, the analysis of the models identified important predictors for dementia. Some of these predictors (e.g., age and hypertensive disorders) are already confirmed by the literature while others, especially the ones derived from the unstructured medical notes, require further clinical analysis

Elastic scattering of electrons and positrons from In-115 atoms over the energy range 1 eV-0.5 GeV

We present a theoretical study on the calculations of various cross sections related to the scattering of electrons and positrons from indium atoms. Our calculations cover the energy range 1 eV <= E-i <= 0.5 GeV. We have employed two approaches, applicable for two domains of energy, based on the Dirac partial-wave analysis. In one approach, we have used both the atomic and nuclear potentials to calculate the cross sections for the low and intermediate energies. The other approach, valid for the high-energy scattering, utilizes only the nuclear potential for the phase-shift analysis, and considers the magnetic scattering from the nucleus too. We report the calculations of differential, integral, momentum-transfer and viscosity cross sections along with the spin asymmetries for the elastic scattering of electrons and positrons. Moreover, we have analyzed the critical minima in the elastic differential cross sections, and also computed the absorption and total cross sections. Our results agree reasonably with the available experimental data and other calculations

THE COST STRUCTURE OF MICROFINANCE INSTITUTIONS IN EASTERN EUROPE AND CENTRAL ASIA

Microfinance institutions are important, particularly in developing countries, because they expand the frontier of financial intermediation by providing loans to those traditionally excluded from formal financial markets. This paper presents the first systematic statistical examination of the performance of MFIs operating in Eastern Europe and Central Asia. A cost function is estimated for MFIs in the region from 1999-2004. First, the presence of subsidies is found to be associated with higher MFI costs. When output is measured as the number of loans made, we find that MFIs become more efficient over time and that MFIs involved in the provision of group loans and loans to women have lower costs. However, when output is measured as volume of loans rather than their number, this last finding is reversed. This may be due to the fact that such loans are smaller in size; thus for a given volume more loans must be made.http://deepblue.lib.umich.edu/bitstream/2027.42/40195/3/wp809.pd

Blood Lead Levels and Health Problems of Lead Acid Battery Workers in Bangladesh

Introduction. Use of lead acid battery (LAB) in Bangladesh has risen with sharp rise of motor vehicles. As result, manufacture of LAB is increasing. Most of the lead used by these industries comes from recycling of LAB. Workers in LAB industry are at risk of exposure lead and thus development of lead toxicity. Objective. The objective of this study was to measure the blood lead concentration and to assess the magnitude of health problems attributable to lead toxicity among the LAB manufacturing workers. Methods. A cross-sectional study was conducted among the workers of LAB manufacturing industries located in Dhaka city. Result. Mean blood lead level (BLL) among the workers was found to be high. They were found to be suffering from a number of illnesses attributable to lead toxicity. The common illnesses were frequent headache, numbness of the limbs, colic pain, nausea, tremor, and lead line on the gum. High BLL was also found to be related to hypertension and anemia of the workers. Conclusion. High BLL and illnesses attributable to lead toxicity were prevalent amongst workers of the LAB manufacturing industries, and this requires attention especially in terms of occupational hygiene and safety

Micro-finance, women’s empowerment and fertility decline in Bangladesh: How important was women’s agency?

As Nobel Prize winner Amartya Sen has argued “[Bangladesh’s development achievements have] important lessons for other countries across the globe, [in particular a focus on] reducing gender inequality”. A major avenue through which this emphasis has been manifest lies, according to this narrative, in enhancements to women’s agency for instrumental and intrinsic reasons particularly through innovations in family planning and microfinance. The “Bangladesh paradox” of improved wellbeing despite low economic growth over the last four decades is claimed as a paradigmatic case of the spread of both modern family planning programmes and microfinance leading to women’s empowerment and fertility reduction. In this paper we show that the links between microfinance, empowerment and fertility reduction, are fraught with problems, and far from robust; hence the claimed causal links between microfinance and family planning via women’s empowerment needs to be further reconsidered

Poverty and Wellbeing Impacts of Microfinance : What Do We Know?

Over the last 35 years, microfinance has been generally regarded as an effective policy tool in the fight against poverty. Yet, the question of whether access to credit leads to poverty reduction and improved wellbeing remains open. To address this question, we conduct a systematic review of the quantitative literature of microfinance’s impacts in the developing world, and develop a theory of change that links inputs to impacts on several welfare outcomes. Overall, we find that the limited comparability of outcomes and the heterogeneity of microfinance-lending technologies, together with a considerable variation in socio-economic conditions and contexts in which impact studies have been conducted, render the interpretation and generalization of findings intricate. Our results indicate that, at best, microfinance induces short-term dynamism in the financial life of the poor; however, we do not find compelling evidence that this dynamism leads to increases in income, consumption, human capital and assets, and, ultimately, a reduction in poverty

Uptake of Multiple Microinsurance Schemes: Evidence from Sri Lanka

Since it is common among households to use more than one form of microinsurance, this paper estimates the uptake of different kinds of microinsurance by the same population. We use a multivariate probit model which examines the participation in the different forms of insurance simultaneously. By doing this, we can establish whether participation patterns in different types of microinsurance options indicate if the participation in specific insurance schemes is complementary or a substitute. We establish that membership of a microfinance institution means that households are more likely to have purchased an insurance policy. Furthermore, the study describes a need for more inclusive and composite packages of microinsurance products for greater financial inclusion of the poor