Determinants of households’ credit behavior in Russia

Purpose: The main goal of this work is to substantiate the need to consider microeconomic statistics when analyzing consumer lending to the population, as well as implementing approaches to modeling household credit behavior at the micro level. Design/Methodology/Approach: The article proposes and implements a comprehensive statistical approach that allows identifying the specificity of the influence of demographic, socio-economic characteristics of households on their credit activity. Findings: The article states that loan borrowings are more often found in households with children of preschool age who are in relatively high-income groups, who much more often inform about cash incomes that do not correspond to the declared level of consumption. Members of these households are more likely to work. The age range of borrowers expanded during the study period, and no prevalence of any age group was observed. Practical Implications: This result is of great practical importance, since, as already indicated, in assessing the solvency of the borrower, credit organizations are mainly focused on individual characteristics. Originality/value: It was found that the hypothesis that individual characteristics are important determinants of household lending activity has not been confirmed. And variables that characterize households significantly affect their credit behavior.peer-reviewe

Mathematical modeling of bulk and directional crystallization with the moving phase transition layer

This paper is devoted to the mathematical modeling of a combined effect of directional and bulk crystallization in a phase transition layer with allowance for nucleation and evolution of newly born particles. We consider two models with and without fluctuations in crystal growth velocities, which are analytically solved using the saddle-point technique. The particle-size distribution function, solid-phase fraction in a supercooled two-phase layer, its thickness and permeability, solidification velocity, and desupercooling kinetics are defined. This solution enables us to characterize the mushy layer composition. We show that the region adjacent to the liquid phase is almost free of crystals and has a constant temperature gradient. Crystals undergo intense growth leading to fast mushy layer desupercooling in the middle of a two-phase region. The mushy region adjacent to the solid material is filled with the growing solid-phase structures and is almost desupercooled. © 2021 The Authors. Mathematical Methods in the Applied Sciences published by John Wiley & Sons, Ltd.Russian Science Foundation, RSF: 21-79-10012The authors gratefully acknowledge financial support from the Russian Science Foundation (project no. 21-79-10012). Open Access funding enabled and organized by Projekt DEAL

Evaluating the Effectiveness of the Original Designs of Immediate-Prostheses after Multiple Tooth Extraction: Clinical Cases

Background. Rehabilitation of patients with chronic periodontal diseases leading to multiple tooth loss can be carried out using the method of immediate prosthetics. However, the likelihood of atrophy of denture-supporting tissues under non-physiological load with removable dental prostheses imposes special requirements for their design features.Case description. Two patients seeking for dental surgical and prosthetic treatment for the diagnosis of chronic generalized periodontitis were treated in the dental clinic of Ryazan State Medical University named after academician I.P. Pavlov. Patient A. was mounted immediate prostheses made using additive technologies with the original design of the drug reservoir. Patient B. was mounted immediate prostheses with bases made of acrylic plastic, border ring of elastic polymer, and a drug reservoir made of polymethyl methacrylate. Patients underwent tooth extraction with immediate prosthetics. Patients were followed for 21 days. Criteria for the effectiveness of treatment included visual and palpatory control of extraction sites with a planimetric wound size analysis, assessment of microcirculation at the extraction site, control of the drug persistence in the reservoirs of prostheses.Conclusion. The observations at the stages of prosthodontic treatment revealed that immediate prostheses made with the help of 3D modeling and printing technologies resulted in a normal course of healing after tooth extraction with the normalization of microcirculatory parameters at the surgical wound sites. When using combined prosthetic structures, healing of postoperative wounds also proceeded favorably, however, congestion in the microcirculatory system was noted

Nucleation and Growth of an Ensemble of Crystals during the Intermediate Stage of a Phase Transition in Metastable Liquids

In this paper, an analytical method of solving the integro-differential system of kinetic and balance equations describing the evolution of an ensemble of crystals during the intermediate phase of the bulk crystallization process is described. The theory is developed for kinetic equations of the first-and second order corresponding to the absence and presence of fluctuations in particle growth rates. The crystal-size distribution function as well as the dynamics of metastability reduction in a supercooled melt (supersaturated solution) are analytically found using the saddle-point and the Laplace transform methods. The theory enables us to obtain the crystal-size distribution function that establishes in a supercooled (supersaturated) liquid at the beginning of the final stage of a phase transformation process when Ostwald ripening, coagulation and fragmentation of crystals are able to occur. © 2022 by the authors. Licensee MDPI, Basel, Switzerland.Russian Science Foundation, RSF: 21-79-10012Funding: Authors gratefully acknowledge financial support from the Russian Science Foundation (project no. 21-79-10012)

THE ROLE OF FLUID VELOCITY ON THE SHAPE OF DENDRITIC TIPS

This study is concerned the shape of dendritic tip grown from an undercooled melt in the presence of fluid velocity. The tip shape function is derived and tested against numerical simulations when a forced convection plays a decisive role.L.V.T. acknowledges the financial support from the Russian Science Foundation (project no. 21-79-10012)

Spectroscopy of geo-neutrinos from 2056 days of Borexino data

We report an improved geo-neutrino measurement with Borexino from 2056 days of data taking. The present exposure is $(5.5\pm0.3)\times10^{31}$ proton$\times$yr. Assuming a chondritic Th/U mass ratio of 3.9, we obtain $23.7 ^{+6.5}_{-5.7} (stat) ^{+0.9}_{-0.6} (sys)$ geo-neutrino events. The null observation of geo-neutrinos with Borexino alone has a probability of $3.6 \times 10^{-9}$ (5.9$\sigma$). A geo-neutrino signal from the mantle is obtained at 98\% C.L. The radiogenic heat production for U and Th from the present best-fit result is restricted to the range 23-36 TW, taking into account the uncertainty on the distribution of heat producing elements inside the Earth.Comment: 4 pages, 4 figure

Measurement of neutrino flux from the primary proton--proton fusion process in the Sun with Borexino detector

Neutrino produced in a chain of nuclear reactions in the Sun starting from the fusion of two protons, for the first time has been detected in a real-time detector in spectrometric mode. The unique properties of the Borexino detector provided an oppurtunity to disentangle pp-neutrino spectrum from the background components. A comparison of the total neutrino flux from the Sun with Solar luminosity in photons provides a test of the stability of the Sun on the 10$^{5}$ years time scale, and sets a strong limit on the power production in the unknown energy sources in the Sun of no more than 4\% of the total energy production at 90\% C.L.Comment: 15 pages, 2 tables, 3 figure

The Main Results of the Borexino Experiment

The main physical results on the registration of solar neutrinos and the search for rare processes obtained by the Borexino collaboration to date are presented.Comment: 8 pages, 8 figgures, To be published as Proceedings of the Third Annual Large Hadron Collider Physics Conference, St. Petersburg, Russia, 201

Oyster Reefs at Risk and Recommendations for Conservation, Restoration, and Management

Native oyster reefs once dominated many estuaries, ecologically and economically. Centuries of resource extraction exacerbated by coastal degradation have pushed oyster reefs to the brink of functional extinction worldwide. We examined the condition of oyster reefs across 144 bays and 44 ecoregions; our comparisons of past with present abundances indicate that more than 90% of them have been lost in bays (70%) and ecoregions (63%). In many bays, more than 99% of oyster reefs have been lost and are functionally extinct. Overall, we estimate that 85% of oyster reefs have been lost globally. Most of the world\u27s remaining wild capture of native oysters (\u3e 75%) comes from just five ecoregions in North America, yet the condition of reefs in these ecoregions is poor at best, except in the Gulf of Mexico. We identify many cost-effective solutions for conservation, restoration, and the management of fisheries and nonnative species that could reverse these oyster losses and restore reef ecosystem services

IMPACT OF BONE MARROW-DERIVED MULTIPOTENT MESENCHYMAL STROMAL CELLS ON SPEED OF POLYCAPROLACTONE AND POLYHYDROXYALKANOATE SCAFFOLDS BIODEGRADATION

The impact of bone marrow-derived multipotent mesenchymal stromal cells of a bone brain (MSCs BB) on the speed of polycaprolactone and polyhydroxyalkanoate scaffolds biodegradation was studied. The presence of cells on the scaffolds surface was found to catalyze their resorption. 2 months after MSCs-covered scaffolds had. been subcutaneously implanted in rats they degraded completely while scaffolds, which had no MSCs cover, had partially resorbed by that time. The obtained results make necessary further studying of MSCs impact mechanisms on biopolymers resorption speed