Microfinance and Small Deposit Mobilization: Fact or Fiction?

Two primary arguments can be made for voluntary deposit mobilization among microfinance institutions (MFIs). First, deposit mobilization is an alternative source of funds that was neglected by most MFIs until a few years ago. From this perspective, voluntary deposit mobilization helps MFIs achieve independence from donors and investors, which is particularly important in periods of liquidity constraints. Second, poor households benefit greatly from having access to deposit mechanisms, and the benefits can be even greater than those derived from access to credit. On the funding side, the industry has demonstrated great progress, with savings mobilization now representing more than half of the assets reported by deposit mobilizing MFIs, even though this share seems to have decreased a bit during the last three years

CO oxidation studies over supported noble metal catalysts and single crystals: A review

The catalytic oxidation of CO over noble metal catalysts is reviewed. Results obtained on supported noble metal catalysts and single crystals both at high pressures and under UHV conditions are compared. The underlying causes which result in surface instabilities and multiple steady-state oscillations are considered, in particular, the occurrence of hot spots. CO islands of reactivity, surface oxide formation and phase transformations under oscillatory conditions are discussed

ILC2s chew the fat.

In this issue of JEM, Rana et al. (https://doi.org/10.1084/jem.20190689) report that adipose tissue multipotent stromal cells (MSCs) provide multifaceted support for adipose tissue-resident ILC2s through contact-mediated proliferation and IL-33-mediated stress-induced activation

Multimodal hybrid powerplant for unmanned aerial systems (UAS) robotics

Most UAS propulsion systems currently utilize either Internal Combustion Engines (ICE) or Electric Motor (EM) prime movers. ICE are favoured for aircraft use due to the superior energy density of fuel compared to batteries required for EM, however EM have several significant advantages. A major advantage of EM is that they are inherently self starting have predictable response characteristics and well developed electronic control systems. EMs are thus very easy to adapt to automatic control, whereas ICE have more complex control response and an auxiliary starting motor is required for automated starting. This paper presents a technique for determining the performance, feasibility and effectiveness of powerplant hybridisation for small UAS. A Hybrid Powerplant offers the possibility of a radical improvement in the autonomy of the aircraft for various tasks without sacrificing payload range or endurance capability. In this work a prototype Aircraft Hybrid Powerplant (AHP) was designed, constructed and tested. It is shown that an additional 35% continuous thrust power can be supplied from the hybrid system with an overall weight penalty of 5%, for a given UAS. Dynamometer and windtunnel results were obtained to validate theoretical propulsion load curves. Using measured powerplant data and an assumed baseline airframe performance characteristic, theoretical endurance comparisons between hybrid and non-hybrid powerplants were determined. A flight dynamic model for the AHP was developed and validated for the purposes of operational scenario analysis. Through this simulation it is shown that climb rates can be improved by 56% and endurance increased by 13%. The advantages of implementing a hybrid powerplant have been baselined in terms of payload range and endurance. Having satisfied these parameters, a whole new set of operational possibilities arises which cannot be performed by non-self-starting ICE only powered aircraft. A variety of autonomous robotic aircraft tasks enabled by the hybrid powerplant is discussed

Sweep activity: managing bank reserves in the Seventh District

This article examines the evolution of retail sweep programs at banks throughout the Seventh Federal Reserve District. Such programs help banks reduce their reserve requirements, freeing up funds for investment.Bank reserves

Mathematical concept formation for the primary school-aged learning disabled student

This paper is concerned with mathematics and the Learning Disabled student. In this chapter, the rationale, the scope, and the limitations of the study were stated, as well as the definitions of terms to be employed in the research review. The population to be discussed is the primary school-aged Learning Disabled student. The concepts to be examined are: more, less, equal to, more than, greater than, less than, number, set, and the appropriate language for each concept

Vol. 11, No. 2

Contents: Hicks and Hazen Paper: Blessings for Employers or Blessings in Disguise for Employment Discrimination Plaintiffs?, by Richard J. Gonzalez Recent Developments, by the Student Editorial Board Announcements Further References, compiled by Margaret A. Chaplanhttps://scholarship.kentlaw.iit.edu/iperr/1020/thumbnail.jp

Vol. 11, No. 2

Contents: Hicks and Hazen Paper: Blessings for Employers or Blessings in Disguise for Employment Discrimination Plaintiffs?, by Richard J. Gonzalez Recent Developments, by the Student Editorial Board Announcements Further References, compiled by Margaret A. Chaplanhttps://scholarship.kentlaw.iit.edu/iperr/1020/thumbnail.jp