Evaluación del desempeño de los instituciones financieras y microfinancieras : Riesgo de la cartera de crédito del banco de la producción (Banpro) durante los periodos 2013-2014.

El presente Seminario de Graduación denominado Riesgo de la Cartera de Crédito del Banco de la Producción (BANPRO) Durante los Periodos 2013-2014, se elaboró con las finalidades de presentar las generalidades de la cartera de crédito, puntualizar los aspectos más relevantes de la norma prudencial sobre gestión de riesgo de crediticio, describir la metodología CAMEL para determinar el nivel de riesgo de la cartera de crédito de un banco a través de la elaboración de un caso práctico sobre el tema en cuestión. Este estudio será de mucha ayuda y utilidad desde el aspecto teórico y práctico para todas aquellas personas que tengan el interés de conocer e investigar un poco más sobre el Riesgo de la Cartera de Crédito de un banco, así como para las próximas generaciones de estudiantes de Banca y Finanzas de la UNAN-Managua que realicen análisis o estudios relacionados al tema, pues les servirá de base para la elaboración de sus antecedentes. Con el desarrollo del trabajo se concluye que BANPRO posee una Cartera de Crédito con un Riesgo aceptable y manejable ya que se encuentra valorizado dentro del Rango de Riesgo Normal según la Metodología CAMEL, al obtener 1.29 en promedio entre 2013 y 2014. Lo anterior se ve sustentado en el hecho de que la institución cuenta con una buena gestión operativa, financiera y de administración de riesgos de la cartera crediticia; lo que le ha dado como resultado tener la capacidad de mantener e incrementar su valor neto a través de sus utilidades que le generan sus operaciones

Tamizaje fitoquímico de las hojas de Passiflora edulis Passifloraceae

Through an ethnobotanical survey in the community of Jalaca, Talanga we learned that the specie of Passiflora edulis of the family Passifloraceae commonly known as “Passion fruit” is used by the community as antitetanus and sedative. The manner of preparation is by an infusion of the leaves that are administered orally. A protocol of analysis were performed to identify the families of metabolites in leaves in order to provide chemical data to support the traditional use that gives this plant in the community. Through this study, we showed the presence of flavonoids and cyanogenic glycosides which are demonstrated and previous reports, however we do not observed the presence of anthraquinones and alkaloids, compounds also reported for this species in previous studies. We consider that this type of study, that validates the traditional uses of medicinal plants to be important. DOI: http://dx.doi.org/10.5377/pc.v6i0.1843 Revista Portal de la Ciencia, No. 6, julio 2014: 62-67A través de un sondeo etnobotánico realizado en la comunidad de Jalaca, municipio de Talanga, se conoció que la especie Passiflora edulis de la familia Passifloraceae, conocida comúnmente como maracuyá, es utilizada por la comunidad como antitetánico y sedante. La forma de preparación es por medio de una infusión de las hojas que se administra por vía oral. Se realizó un protocolo de análisis para identificar las familias de metabolitos presentes en hojas, con el propósito de aportar datos químicos que avalen el uso tradicional que le da la comunidad a esta planta. A través de este estudio se demostró la presencia de flavonoides y heterósidos cianogenéticos, de los cuales ya se tenían reportes anteriores; pero no se observó la presencia de antraquinonas y alcaloides, compuestos también reportados para esta especie en estudios posteriores. Consideramos importante este tipo de estudios que avalen el uso tradicional de las plantas medicinales. DOI: http://dx.doi.org/10.5377/pc.v6i0.1843 Revista Portal de la Ciencia, No. 6, julio 2014: 62-6

Genetically determined Amerindian ancestry correlates with increased frequency of risk alleles for systemic lupus erythematosus

Objective To assess whether genetically determined Amerindian ancestry predicts increased presence of risk alleles of known susceptibility genes for systemic lupus erythematosus (SLE). Methods Single-nucleotide polymorphisms (SNPs) within 16 confirmed genetic susceptibility loci for SLE were genotyped in a set of 804 Mestizo lupus patients and 667 Mestizo healthy controls. In addition, 347 admixture informative markers were genotyped. Individual ancestry proportions were determined using STRUCTURE. Association analysis was performed using PLINK, and correlation between ancestry and the presence of risk alleles was analyzed using linear regression. Results A meta-analysis of the genetic association of the 16 SNPs across populations showed that TNFSF4 , STAT4 , ITGAM , and IRF5 were associated with lupus in a Hispanic Mestizo cohort enriched for European and Amerindian ancestry. In addition, 2 SNPs within the major histocompatibility complex region, previously shown to be associated in a genome-wide association study in Europeans, were also associated in Mestizos. Using linear regression, we predicted an average increase of 2.34 risk alleles when comparing an SLE patient with 100% Amerindian ancestry versus an SLE patient with 0% Amerindian ancestry ( P < 0.0001). SLE patients with 43% more Amerindian ancestry were predicted to carry 1 additional risk allele. Conclusion Our results demonstrate that Amerindian ancestry is associated with an increased number of risk alleles for SLE.Peer Reviewedhttp://deepblue.lib.umich.edu/bitstream/2027.42/78480/1/27753_ftp.pd

Masking Adherence in K–12 Schools and SARS-CoV-2 Secondary Transmission

OBJECTIVES: Masking is an essential coronavirus 2019 mitigation tool assisting in the safe return of kindergarten through 12th grade children and staff to in-person instruction; however, masking adherence, compliance evaluation methods, and potential consequences of surveillance are currently unknown. We describe two school districts' approaches to promote in-school masking and the consequent impact on severe acute respiratory syndrome coronavirus 2 (SARS-CoV-2) secondary transmission.METHODS: Two North Carolina school districts developed surveillance programs with daily vs. weekly interventions to monitor in-school masking adherence. Safety teams recorded the proportion of students and staff appropriately wearing masks and provided real-time education after observation of improper masking. Primary infections, within-school transmission, and county-level SARS-CoV-2 infection rates were assessed.RESULTS: Proper mask use was high in both intervention groups and districts. There were variations by grade level, with lower rates in elementary schools, and proper adherence being higher in the weekly surveillance group. Rates of secondary transmission were low in both districts with surveillance programs, regardless of intervention frequency.CONCLUSIONS: Masking surveillance interventions are effective at ensuring appropriate masking at all school levels. Creating a culture of safety within schools led by local leadership is important and a feasible opportunity for school districts with return to in-person school. In our study of schools with high masking adherence, secondary transmission was low

Transancestral mapping and genetic load in systemic lupus erythematosus

Systemic lupus erythematosus (SLE) is an autoimmune disease with marked gender and ethnic disparities. We report a large transancestral association study of SLE using Immunochip genotype data from 27,574 individuals of European (EA), African (AA) and Hispanic Amerindian (HA) ancestry. We identify 58 distinct non-HLA regions in EA, 9 in AA and 16 in HA (B50% of these regions have multiple independent associations); these include 24 novel SLE regions (Po5 10 8), refined association signals in established regions, extended associations to additional ancestries, and a disentangled complex HLA multigenic effect. The risk allele count (genetic load) exhibits an accelerating pattern of SLE risk, leading us to posit a cumulative hit hypothesis for autoimmune disease. Comparing results across the three ancestries identifies both ancestry-dependent and ancestry-independent contributions to SLE risk. Our results are consistent with the unique and complex histories of the populations sampled, and collectively help clarify the genetic architecture and ethnic disparities in SL

Genome-Wide Association Study in an Amerindian Ancestry Population Reveals Novel Systemic Lupus Erythematosus Risk Loci and the Role of European Admixture

OBJECTIVES: Systemic lupus erythematosus (SLE) is a chronic autoimmune disease with a strong genetic component. Our aim was to perform the first genome-wide association study on individuals from the Americas enriched for Native American heritage. MATERIALS AND METHODS: We analyzed 3,710 individuals from four countries of Latin America and the Unites States diagnosed with SLE and healthy controls. Samples were genotyped with the HumanOmni1 BeadChip. Data of out-of-study controls was obtained for the HumanOmni2.5. Statistical analyses were performed using SNPTEST and SNPGWA. Data was adjusted for genomic control and FDR. Imputation was done using IMPUTE2, and HiBAG for classical HLA alleles. RESULTS: The IRF5-TNPO3 region showed the strongest association and largest odds ratio (OR) (rs10488631, P(gcadj) = 2.61×10(−29), OR = 2.12, 95% CI: 1.88–2.39) followed by the HLA class II on the DQA2-DQB1 loci (rs9275572, P(gcadj) = 1.11 × 10(−16), OR = 1.62, 95% CI: 1.46–1.80; rs9271366, P(gcadj)=6.46 × 10(−12), OR = 2.06, 95% CI: 1.71–2.50). Other known SLE loci associated were ITGAM, STAT4, TNIP1, NCF2 and IRAK1. We identified a novel locus on 10q24.33 (rs4917385, P(gcadj) =1.4×10(−8)) with a eQTL effect (P(eqtl)=8.0 × 10(−37) at USMG5/miR1307), and describe novel loci. We corroborate SLE-risk loci previously identified in European and Asians. Local ancestry estimation showed that HLA allele risk contribution is of European ancestral origin. Imputation of HLA alleles suggested that autochthonous Native American haplotypes provide protection. CONCLUSIONS: Our results show the insight gained by studying admixed populations to delineate the genetic architecture that underlies autoimmune and complex diseases

Genome-Wide Association Study in an Amerindian Ancestry Population Reveals Novel Systemic Lupus Erythematosus Risk Loci and the Role of European Admixture

OBJECTIVES: Systemic lupus erythematosus (SLE) is a chronic autoimmune disease with a strong genetic component. Our aim was to perform the first genome-wide association study on individuals from the Americas enriched for Native American heritage. MATERIALS AND METHODS: We analyzed 3,710 individuals from four countries of Latin America and the Unites States diagnosed with SLE and healthy controls. Samples were genotyped with the HumanOmni1 BeadChip. Data of out-of-study controls was obtained for the HumanOmni2.5. Statistical analyses were performed using SNPTEST and SNPGWA. Data was adjusted for genomic control and FDR. Imputation was done using IMPUTE2, and HiBAG for classical HLA alleles. RESULTS: The IRF5-TNPO3 region showed the strongest association and largest odds ratio (OR) (rs10488631, P(gcadj) = 2.61×10(−29), OR = 2.12, 95% CI: 1.88–2.39) followed by the HLA class II on the DQA2-DQB1 loci (rs9275572, P(gcadj) = 1.11 × 10(−16), OR = 1.62, 95% CI: 1.46–1.80; rs9271366, P(gcadj)=6.46 × 10(−12), OR = 2.06, 95% CI: 1.71–2.50). Other known SLE loci associated were ITGAM, STAT4, TNIP1, NCF2 and IRAK1. We identified a novel locus on 10q24.33 (rs4917385, P(gcadj) =1.4×10(−8)) with a eQTL effect (P(eqtl)=8.0 × 10(−37) at USMG5/miR1307), and describe novel loci. We corroborate SLE-risk loci previously identified in European and Asians. Local ancestry estimation showed that HLA allele risk contribution is of European ancestral origin. Imputation of HLA alleles suggested that autochthonous Native American haplotypes provide protection. CONCLUSIONS: Our results show the insight gained by studying admixed populations to delineate the genetic architecture that underlies autoimmune and complex diseases

Impact of genetic ancestry and sociodemographic status on the clinical expression of systemic lupus erythematosus in American Indian-European populations

Objective American Indian-Europeans, Asians, and African Americans have an excess morbidity from systemic lupus erythematosus (SLE) and a higher prevalence of lupus nephritis than do Caucasians. The aim of this study was to analyze the relationship between genetic ancestry and sociodemographic characteristics and clinical features in a large cohort of American Indian-European SLE patients. Methods A total of 2,116 SLE patients of American Indian-European origin and 4,001 SLE patients of European descent for whom we had clinical data were included in the study. Genotyping of 253 continental ancestry-informative markers was performed on the Illumina platform. Structure and Admixture software were used to determine genetic ancestry proportions of each individual. Logistic regression was used to test the association between genetic ancestry and sociodemographic and clinical characteristics. Odds ratios (ORs) were calculated with 95% confidence intervals (95% CIs). Results The average American Indian genetic ancestry of 2,116 SLE patients was 40.7%. American Indian genetic ancestry conferred increased risks of renal involvement (P less than 0.0001, OR 3.50 [95% CI 2.63- 4.63]) and early age at onset (P less than 0.0001). American Indian ancestry protected against photosensitivity (P less than 0.0001, OR 0.58 [95% CI 0.44-0.76]), oral ulcers (P less than 0.0001, OR 0.55 [95% CI 0.42-0.72]), and serositis (P less than 0.0001, OR 0.56 [95% CI 0.41-0.75]) after adjustment for age, sex, and age at onset. However, age and sex had stronger effects than genetic ancestry on malar rash, discoid rash, arthritis, and neurologic involvement. Conclusion In general, American Indian genetic ancestry correlates with lower sociodemographic status and increases the risk of developing renal involvement and SLE at an earlier age. Copyright © 2012 by the American College of Rheumatology