The Credit Portfolio and Its Impact on the Liquidity of Savings and Credit Cooperatives Segment 3, Province of Chimborazo, Case: San Miguel de Pallatanga Cooperative, 2017– 2019

The objective of this research is to analyze the credit portfolio and its impact on the Liquidity of the Savings and Credit Cooperatives Segment 3, Province of Chimborazo, during the period 2017–2019 Case: Cooperativa San Miguel de Pallatanga. The design of this research refers to a set of systematic and empirical processes, since the diagnostic processes are dynamic and evolutionary, which allowed the information to be quantitative in nature, further allowing deriving a deductive thinking scheme based on the logic and reasoning of the researcher. After analyzing the accounting balances disclosed in the 2017–2018 and 2019 Statements of Financial Position, the joint liquidity calculation was proceeded to the financial analysis from which the highest liquidity indicator registered in the Cooperativa San Jorge LTDA corresponding to a greater capacity for responding to immediate cash requirements by its depositors or reserve requirements, followed by Cooperativa San Miguel de Pallatanga, Cooperativa Nueva Esperanza LTDA, and Cooperativa Minga LTDA. In addition, according to the data obtained in 2019, the San Miguel de Pallatanga Cooperative reports 100% non-payments in the priority commercial portfolio, which indicates that the institution has serious problems to recover the priority commercial loan portfolio. Keywords: credit portfolio, liquidity, cash-outs, financial analysis, savings and credit cooperatives. Resumen El objetivo de la investigación es analizar la Cartera de Crédito y su incidencia en la Liquidez de las Cooperativas de Ahorro y Crédito Segmento 3, Provincia de Chimborazo, periodo 2017 – 2019 Caso: Cooperativa San Miguel de Pallatanga. El diseño de esta investigación refiere un conjunto de procesos sistemáticos y empíricos, ya que los procesos de diagnóstico son dinámicos y evolutivos, lo cual permitió que la información al ser de carácter cuantitativa permita derivar un esquema de pensamiento deductivo, basado en lógica y el razonamiento del investigador. Luego de analizar los saldos contables revelados en los Estados de Situación Financiera 2017-2018 y 2019 se procedió al cálculo de liquidez conjunto al análisis financiero del cual se obtuvo el indicador de liquidez más alto registrado en la Cooperativa San Jorge LTDA correspondiente a mayor capacidad para responder los requerimientos de efectivo inmediatos por parte de sus depositantes o requerimientos de encaje, seguido de la Cooperativa San Miguel de Pallatanga, la Cooperativa Nueva Esperanza LTDA y Cooperativa Minga LTDA. Además, según los datos obtenidos en el año 2019 la Cooperativa San Miguel de Pallatanga reporta el 100% de morosidad de cartera comercial prioritaria lo que indica que la institución tiene graves problemas para recuperar la cartera de créditos comerciales prioritarios. Palabras Clave: cartera de crédito, liquidez, cobranza, análisis financiero, cooperativas de ahorro y crédit

The District Energy-Efficient Retrofitting of Torrelago (Laguna de Duero – Spain)

The urban growth is estimated to reach up the 66 % by 2050 and consequently the need of resources within the cities will increase significantly. This, combined with the 40 % of energy consumption and 36 % of CO2 emissions of the building sector, makes necessary to accelerate the transition towards more sustainable cities. The CITyFiED project contributes to this transition, aiming to develop an innovative and holistic methodological approach for energy-efficient district renovation and deliver three large scale demonstration cases in the cities of Lund (Sweden), Laguna de Duero (Spain) and Soma (Turkey). CITyFiED methodology consists of several phases that ease the decision-making tasks towards the district renovation, considering the energy efficiency as the main pillar and local authorities as clients. For the case of Torrelago district (Spain) the intervention consists of a set of energy conservative measures including the facąde retrofitting of 143.025 m2 of living space in 31 twelve-storey buildings; the renovation of the district heating network with a new biomass thermal plant; the integration of renewable energy sources, including a micro-cogeneration system, and the installation of individual smart meters. After the renovation action, one-year monitoring campaign is ongoing. The CITyFiED monitoring platform will collect information from the energy systems and deliver environmental, technical, economic and social key performance indicators by March 2019. At the end of the project the achievement of the predefined goals will be verified: Up to 36 % of energy saving and 3,429 tons-CO2/yr emissions saving covering the 59,4 % of the energy consumption with renewable sources.The research and results presented in this paper evolve from activities related to the CITyFiED project, which has received funding from the European Commission under the Grant Agreement no. 609129. This article is the result of cooperative research work of many experts from various countries and we would like to gratefully acknowledge the rest of the CITyFiED partners

Acute effects of long-distance races on heart rate variability and arterial stiffness: A systematic review and meta-analysis

This study systematically reviewed and quantified the effects of running a long-distance race (LDR) on heart rate variability (HRV) and arterial stiffness (AS). All types of races of a distance equal to or greater than a marathon (=42.2 km) were included. A total of 2, 220 articles were identified, 52 were included in the qualitative analysis, and 48 were meta-analysed. The standardised mean difference pre- and post-race of various time-domain and frequency-domain indices of HRV, mean arterial blood pressure (MAP), systolic blood pressure (SBP), diastolic blood pressure (DBP) and carotid-femoral pulse wave velocity (cfPWV) was calculated. Regarding HRV, there was a significant decrease in most of the variables considered as markers of parasympathetic activity, indicating a shift of autonomic balance towards a reduced vagal tone. Regarding vascular variables, there was a significant drop in blood pressure and reduced AS. In conclusion, running an LDR seems to have a considerable acute effect on the autonomic nervous system, haemodynamics, and vascular properties. The observed effects could be categorised within the expected acute responses to long-lasting, strenuous exercise. © 2021 Informa UK Limited, trading as Taylor & Francis Group

Analysis of nucleotide diversity of NAT2 coding region reveals homogeneity across Native American populations and high intra-population diversity.

N-acetyltransferase 2 (NAT2), an important enzyme in clinical pharmacology, metabolizes antibiotics such as isoniazid and sulfamethoxazole, and catalyzes the transformation of aromatic and heterocyclic amines from the environment and diet into carcinogenic intermediates. Polymorphisms in NAT2 account for variability in the acetylator phenotype and the pharmacokinetics of metabolized drugs. Native Americans, settled in rural areas and large cities of Latin America, are under-represented in pharmacogenetics studies; therefore, we sequenced the coding region of NAT2 in 456 chromosomes from 13 populations from the Americas, and two from Siberia, detecting nine substitutions and 11 haplotypes. Variants *4 (37%), *5B (23%) and *7B (24%) showed high frequencies. Average frequencies of fast, intermediate and slow acetylators across Native Americans were 18, 56 and 25%, respectively. NAT2 intra-population genetic diversity for Native Americans is higher than East Asians and similar to the rest of the world, and NAT2 variants are homogeneously distributed across native populations of the continent

The Initial Mass Function in disc galaxies and in galaxy clusters: the chemo-photometric picture

The observed brightness of the Tully-Fisher relation suggests a low stellar M/L ratio and a "bottom-light" IMF in disc galaxies, but the corresponding efficiency of chemical enrichment tends to exceed the observational estimates. Either suitable tuning of the IMF slope and mass limits or metal outflows from disc galaxies must then be invoked. A standard Solar Neighbourhood IMF cannot explain the high metallicity of the hot intra-cluster medium: a different IMF must be at work in clusters of galaxies. Alternatively, if the IMF is universal and chemical enrichment is everywhere as efficient as observed in clusters, substantial loss of metals must occur from the Solar Neighbourhood and from disc galaxies in general; a "non-standard" scenario challenging our understanding of disc galaxy formation.Comment: 6 pages, 4 figures; in Proceedings of IMF@50: the Initial Mass Function 50 years later; Corbelli, Palla and Zinnecker (eds.

Symplectic connections and Fedosov's quantization on supermanifolds

A (biased and incomplete) review of the status of the theory of symplectic connections on supermanifolds is presented. Also, some comments regarding Fedosov's technique of quantization are made.Comment: Submitted to J. of Phys. Conf. Se

Incidencia de la metodología informática en las prácticas de la asignatura de técnicas instrumentales. Análisis estadístico. II Parte

Realizamos un muestreo de las aguas de consumo público de la provincia de Valencia investigando la presencia de detergentes en dichas aguas por el método del azul de metileno, y lo relacionamos con determinados factores ambientales. La presencia de detergentes en las aguas de consumo público se detectó principalmente en municipios de la zona costera, con abastecimientos situados en terrenos vulnerables por porosidad, con industrias cercanas y vertederos de residuos sólidos y líquidos situados también sobre terrenos vulnerables, también se detectó en municipios de las zonas interior e intermedia. Aunque no crea todavía una problemática grave deben vigilarse adecuadamente, sobre todo las zonas industrializadas.Questions made in a poll ellaborated in Department of Chemical Physics about the practices of Instrumental Techniques subject have been analyzed by mean of statistical procedures. Cluster analysis, variables dependence inference and n way classification have been the methods principally used. The results found case the elimination of unnecessary questions allowing its optimization. Besides, it helps the correct interpretation of the poll results

Incidencia de la metodología informática en las prácticas de la asignatura de técnicas instrumentales. Análisis estadístico. I Parte

A statistical study on a polI ellaborated in Chemical Physics laboratory about the practices of Instrumental Techniques subject, and particularly about the introduction of a computer in them has been made. The results show a good acceptance by pupils and liule knowledge about computers handling despite a good proportion of them have one. The poll also show a greater interest between male pupils in the application of computer in pharmaceutical field.Se realizó un estudio estadístico a través de una encuesta sobre las prácticas de laboratorio de la asignatura de Técnicas Instrumentales, y particularmente sobre la implantación del ordenador en las mismas. Los resultados indican una buena aceptación de la nueva metodología por parte de los alumnos, y un desconocimiento del manejo de los ordenadores a pesar de disponer una buena proporción de éstos. También se encontró que los alumnos varones poseen un mayor interés en lo relativo a aplicaciones del ordenador en el campo de Farmacia

Incidencia de la metodología informática en las prácticas de la asignatura de técnicas instrumentales. Análisis estadístico. I Parte

Se realizó un estudio estadístico a través de una encuesta sobre las prácticas de laboratorio de la asignatura de Técnicas Instrumentales, y particularmente sobre la implantación del ordenador en las mismas. Los resultados indican una buena aceptación de la nueva metodología por parte de los alumnos, y un desconocimiento del manejo de los ordenadores a pesar de disponer una buena proporción de éstos. También se encontró que los alumnos varones poseen un mayor interés en lo relativo a aplicaciones del ordenador en el campo de Farmacia.A statistical study on a polI ellaborated in Chemical Physics laboratory about the practices of Instrumental Techniques subject, and particularly about the introduction of a computer in them has been made. The results show a good acceptance by pupils and liule knowledge about computers handling despite a good proportion of them have one. The polI also show a greater interest between male pupils in the application of computer in pharmaceutical field