THE SALIENT CHARACTERISTICS OF MICROFINANCE INSTITUTIONS IN KENYA : (A Case Study of BIMAS)

The purpose of this study was to come up with a profile of the salient socio-economic characteristic of people who seek MFIs’ services. Specifically, the study was to shed light on their poverty status and their demographic characteristics. The research focused on clients of BIMAS operating within the five divisions of Embu district. The research findings gave a general profile of the clients reached by MFIs. The MFI clients are mainly male in the 26-40 age brackets that live in households of between 4 and 6 members which are predominantly male headed. A high proportion of the clients are married and do not suffer from any physical disability. Slightly over half of the clients have attained secondary school education and most have attended other training. In terms of their poverty status, over half of the clients have their children attending school. Majority can afford at least three ordinary meals per day and special meals thrice per week. The clients live in their own houses which have three or fewer rooms. The houses are largely made of brick walls, iron sheet roofs and concrete floors. The main source of energy for client household is firewood and charcoal and majority of them own a television. Key Words: Socio-economic characteristics, Demographic characteristics, Poverty statu

CAD-driven microassembly and visual servoing

This paper describes current research and development on a robotic visual servoing system for assembly of LIGA (Lithography Galvonoforming Abforming) parts. The workcell consists of an AMTI robot, precision stage, long working distance microscope, and LIGA fabricated tweezers for picking up the parts. Fourier optics methods are used to generate synthetic microscope images from CAD drawings. These synthetic images are used off-line to test image processing routines under varying magnifications and depths of field, They also provide reference image features which are used to visually servo the part to the desired position

Initiating e-learning by stealth, participation and consultation in a late majority institution

The extent to which opportunities afforded by e-learning are embraced by an institution can depend in large measure on whether it is perceived as enabling and transformative or as a major and disruptive distraction. Most case studies focus on the former. This paper describes how e-learning was introduced into the latter environment. The sensitivity of competing pressures in a research intensive university substantially influenced the manner in which e-learning was promoted. This paper tells that story, from initial stealth to eventual university acknowledgement of the relevance of e-learning specifically to its own context

Soil water repellence increased early wheat growth and nutrient uptake

Purpose: Soil water repellence causes uneven soil wetting which can constrain dryland crop and pasture establishment and yield. The same processes are likely to affect nutrient availability from soil and fertiliser, but the effects of repellence on crop growth and nutrition per se have seldom been reported. Here, we investigated early wheat (Triticum aestivum cv. Mace) growth and nutrient uptake responses to repellence. Methods: Wheat was furrow-sown in severely repellent sandy loam soil (with a wettable furrow base to allow for germination) or completely wettable soil, under uniform plant density and variable topsoil thickness (20 or 100 mm) and fertiliser band placement (below or away from the seed). Tiller number, shoot dry matter, shoot N concentration, total nutrient uptake, and root length density (RLD) were determined. Results: Contrary to expectations, repellence significantly increased tiller number (by up to 2 tillers per plant), shoot dry matter (by 82%), shoot N concentration (by 0.3% N), and total nutrient uptake (by 87%) at 51 days after sowing, regardless of topsoil thickness and fertiliser placement. In the furrow, RLD of repellent treatments was also nearly double that in wettable treatments when fertiliser was banded below the seed. Results suggest that preferential soil wetting of the furrow in repellent treatments favoured plant nutrient uptake under regular but low water supply. Conclusion: We conclude that for water-repellent soils with limited water supply, water harvesting techniques such as furrow sowing and banding wetting agents could boost water and nutrient uptake and early crop growth

The orbit structure of Dynkin curves

Let G be a simple algebraic group over an algebraically closed field k; assume that Char k is zero or good for G. Let \cB be the variety of Borel subgroups of G and let e in Lie G be nilpotent. There is a natural action of the centralizer C_G(e) of e in G on the Springer fibre \cB_e = {B' in \cB | e in Lie B'} associated to e. In this paper we consider the case, where e lies in the subregular nilpotent orbit; in this case \cB_e is a Dynkin curve. We give a complete description of the C_G(e)-orbits in \cB_e. In particular, we classify the irreducible components of \cB_e on which C_G(e) acts with finitely many orbits. In an application we obtain a classification of all subregular orbital varieties admitting a finite number of B-orbits for B a fixed Borel subgroup of G.Comment: 12 pages, to appear in Math

Web user interface design strategy: Designing for device independence

Until recently, Web services were available only through a desktop web browser. Nowadays, methods of access move beyond the desktop computer towards ubiquitous access through portable devices. As a consequence, users have the chance to interact with a growing diversity of computing devices such as PDAs, smart phones, etc., with diverse characteristics that tend to replace conventional laptop and desktop computers. User interface designers, on the other hand, strive to design usable interfaces to cater for the diverse requirements of these devices. The design strategy proposed in this paper aims at assisting user interface designers in designing for diverse devices recommending a specific line of activities in the process of design. A case study of application of the proposed design strategy is presented, outlining its advantages

Thinking about growth : a cognitive mapping approach to understanding small business development

School of Managemen

Hypertension in mice lacking 11beta-hydroxysteroid dehydrogenase type 2

Deficiency of 11β-hydroxysteroid dehydrogenase type 2 (11β-HSD2) in humans leads to the syndrome of apparent mineralocorticoid excess (SAME), in which cortisol illicitly occupies mineralocorticoid receptors, causing sodium retention, hypokalemia, and hypertension. However, the disorder is usually incompletely corrected by suppression of cortisol, suggesting additional and irreversible changes, perhaps in the kidney. To examine this further, we produced mice with targeted disruption of the 11β-HSD2 gene. Homozygous mutant mice (11β-HSD2(–/–)) appear normal at birth, but ∼50% show motor weakness and die within 48 hours. Both male and female survivors are fertile but exhibit hypokalemia, hypotonic polyuria, and apparent mineralocorticoid activity of corticosterone. Young adult 11β-HSD2(–/–) mice are markedly hypertensive, with a mean arterial blood pressure of 146 ± 2 mmHg, compared with 121 ± 2 mmHg in wild-type controls and 114 ± 4 mmHg in heterozygotes. The epithelium of the distal tubule of the nephron shows striking hypertrophy and hyperplasia. These histological changes do not readily reverse with mineralocorticoid receptor antagonism in adulthood. Thus, 11β-HSD2(–/–) mice demonstrate the major features of SAME, providing a unique rodent model to study the molecular mechanisms of kidney resetting leading to hypertension. J. Clin. Invest. 103:683–689 (1999

Optimisation of machining parameters during ball end milling of hardened steel with various surface inclinations

This paper proposes a method for the reduction of forces and the improvement of efficiency during finish ball end milling of hardened 55NiCrMoV6 steel. The primary objective of this work concentrates on the optimal selection of milling parameters (cutting speed – vc, surface inclination angle α), which enables the simultaneous minimisation of cutting force values and increased process efficiency. The research includes the measurement of cutting forces (Fx, Fy, Fz) during milling tests with variable input parameters and calculation of process efficiency accounting for cutting parameters and surface inclination. The paper then focuses on the multi-criteria optimisation of the ball end milling process in terms of cutting forces and efficiency. This procedure is carried out with the application of the response surface method, based on the minimisation of a total utility function. The work shows that surface inclination angle has a significant influence on the cutting force values. Minimal cutting forces and relative high efficiency can be achieved with cutting speed vc = 375 m/min and surface inclination angle α = 15°