Information disclosure and SME financing: A study of firms in the ASEAN region

This study investigates the impact of information and communication technology (ICT) and audited financial statements on small and medium enterprise (SME) financing, as well as their influence on SMEs’ collateral issues in acquiring bank loans, based on the information asymmetry theory. The study applies the ordinary least squares (OLS) test, the two-stage least squares test, and the probit regression model for the analysis. The sample consists of 12,165 firms in eight ASEAN countries between 2009 and 2018. The data used in the analysis was sourced from the Business Environment and Enterprise Performance Surveys (BEEPS) provided by the World Bank. The results reveal that financial statements and ICT have a positive relationship with SMEs’ bank credit accessibility and a negative relationship with collateral issues faced by SMEs in accessing bank loans. Thus, SMEs that use financial statements and ICT have more financing opportunities than those that don’t. The impacts of financial statements and ICT are stronger in counties with a more developed financial infrastructure. Additionally, this study found that economic development enables SMEs to access cheaper finance and mitigate collateral problems. These outcomes contribute to the enhancement of SME financing and promote SMEs’ information disclosure in the ASEAN region. Promoting SMEs’ information disclosure is also crucial for banks in mitigating bad debt. Therefore, encouraging and supporting SMEs to adopt financial statements and ICT can be beneficial to both SMEs and banks

The impact of financial inclusion on economic growth in developing countries

This study analyzes the impact of financial inclusion on economic growth in 104 developing countries from 2004–2019. We construct a novel composite financial inclusion index and apply the dynamic panel estimation technique to examine the impact of financial inclusion. The results indicate that financial inclusion positively correlates with economic growth in developing countries but not in high-income countries. This study shows that financial inclusion affects economic growth primarily by expanding opportunities for lower-income people. With increased financial access, those in the lower-income bracket can expand their economic activity, which results in economic growth in developing countries. In high-income countries, access to financial services is already high, and financial inclusion may not offer new opportunities to a larger segment of the population. The study also compares financial inclusion and financial development. The results suggest that financial inclusion contributes to financial development in developing countries by enhancing access to financial services. The findings recommend that policymakers in developing countries may use financial inclusion to increase economic growth

Proteomic characterization of sperm radial spokes identifies a novel spoke protein with an ubiquitin domain

Radial spokes are T-shaped protein complexes important for the regulation of axonemal dyneins in eukaryotic cilia and flagella. Using a functional proteomics approach, we identified six spoke proteins in sperm flagella of the ascidian Ciona intestinalis. Many of the domain/motif structures in spoke proteins are commonly found in flagella of both Ciona sperm and Chlamydomonas, but interestingly they often distribute over non-orthologous protein components. A novel 116 kDa protein named CMUB116 has both an ubiquitin domain and an IQ motif. It has orthologs in vertebrates, but not in Chlamydomonas. Furthermore, the results obtained by immunological analysis provide strong indication that CMUB116 is located at the stalk of radial spokes, where it is associated with MORN40

Development and application of future technology for allorecognition research

科学研究費助成事業 研究成果報告書：新学術領域研究(研究領域提案型)2009-2013課題番号：2111200

Light–dark condition regulates sirtuin mRNA levels in the retina

AbstractSirtuins (Sirt1–7) are nicotinamide adenine dinucleotide (NAD)-dependent protein deacetylases/ADP-ribosyltransferases that modulate many metabolic responses affecting aging. Sirtuins expressed in tissues and organs involved in systemic metabolism have been extensively studied. However, the characteristics of sirtuins in the retina, where local energy expenditure changes dynamically in response to light stimuli, are largely unknown. Here we analyzed sirtuin mRNA levels by real-time PCR, and found that all seven sirtuins are highly expressed in the retina compared with other tissues, such as liver. We then analyzed the sirtuin mRNA profiles in the retina over time, under a 12-h light/12-h dark cycle (LD condition) and in constant darkness (DD condition). All seven sirtuins showed significant daily variation under the LD condition, with all except Sirt6 being increased in the dark phase. The expression patterns were different under the DD condition, suggesting that sirtuin mRNA levels except Sirt6 are affected by light–dark condition. These findings were not obtained in the brain and liver. In addition, the mRNA expression patterns of Nicotinamide phosphoribosyltransferase (Nampt), peroxisome proliferator-activated receptor gamma coactivator (PGC1α), and transcription factor A, mitochondrial (Tfam) in the retina, were similar to those of the sirtuins except Sirt6. Our observations provide new insights into the metabolic mechanisms of the retina and the sirtuins' regulatory systems

Novel modification of ceramide: rat glioma ganglioside GM3 having 3-O-acetylated sphingenine

AbstractA novel O-acetylated GM3 containing 3-O-acetyl 4-sphingenine was isolated with one having a non-acetylated base from transplanted rat glioma tissue. The presence and position of the acetyl group were estimated by one- and two-dimensional proton nuclear magnetic resonance, and fast atom bombardmentmass spectrometries. In addition, the O-acetyl showed higher immunological activity toward anti-melanoma antibody in the presence of non-acetylated GM3 in complement-dependent liposome lysis than did non-acetylated or acetylated GM3 alone in the liposome, suggesting enhancement of immunological reactivity of the intact tumor cells by a small amount of O-acetyl GM3

Donor mesenchymal stem cells trigger chronic graft-versus-host disease following minor antigen-mismatched bone marrow transplantation

Chronic graft-versus-host disease (cGVHD) is a complication after minor antigen mismatched bone marrow transplantation (BMT) characterized by an autoimmune-type reaction in various organs. Aberration in T cell regulation is involved, with donor mesenchymal stem cells (MSCs) playing a possible role in immunomodulation. In a minor-antigen mismatched mouse BMT model, transplantation of mismatched, but not syngeneic MSCs triggered the onset of cGVHD, and was associated with fibrosis, increased IL-6 secretion, decreased Foxp3+ regulatory T cells and increased Th17 in the peripheral blood. Mismatched MSCs alone were sufficient to induce cGVHD, while removal of donor MSCs rescued mice from cGVHD. RAG2 knockout recipient mice did not suffer cGVHD, indicating that host T cells were involved. Residual host-derived T cells were significantly higher in cGVHD patients compared to non-cGVHD patients. In conclusion, donor MSCs react with residual host T cells to trigger the progression of cGVHD

High doses of CRISPR/Cas9 ribonucleoprotein efficiently induce gene knockout with low mosaicism in the hydrozoan Clytia hemisphaerica through microhomology-mediated deletion

Targeted mutagenesis using CRISPR/Cas9 technology has been shown to be a powerful approach to examine gene function in diverse metazoan species. One common drawback is that mixed genotypes, and thus variable phenotypes, arise in the F0 generation because incorrect DNA repair produces different mutations amongst cells of the developing embryo. We report here an effective method for gene knockout (KO) in the hydrozoan Clytia hemisphaerica, by injection into the egg of Cas9/sgRNA ribonucleoprotein complex (RNP). Expected phenotypes were observed in the F0 generation when targeting endogenous GFP genes, which abolished fluorescence in embryos, or CheRfx123 (that codes for a conserved master transcriptional regulator for ciliogenesis) which caused sperm motility defects. When high concentrations of Cas9 RNP were used, the mutations in target genes at F0 polyp or jellyfish stages were not random but consisted predominantly of one or two specific deletions between pairs of short microhomologies flanking the cleavage site. Such microhomology-mediated (MM) deletion is most likely caused by microhomology-mediated end-joining (MMEJ), which may be favoured in early stage embryos. This finding makes it very easy to isolate uniform, largely non-mosaic mutants with predictable genotypes in the F0 generation in Clytia, allowing rapid and reliable phenotype assessment

The Chlamydomonas reinhardtii ODA3 Gene Encodes a Protein of the Outer Dynein Arm Docking Complex

We have used an insertional mutagenesis/ gene tagging technique to generate new Chlamydomonas reinhardtii mutants that are defective in assembly of the outer dynein arm. Among 39 insertional oda mutants characterized, two are alleles of the previously uncloned ODA3 gene, one is an allele of the uncloned ODA10 gene, and one represents a novel ODA gene (termed ODA12). ODA3 is of particular interest because it is essential for assembly of both the outer dynein arm and the outer dynein arm docking complex (ODA-DC) onto flagellar doublet microtubules (Takada, S., and R. Kamiya. 1994. J. Cell Biol. 126:737– 745). Beginning with the inserted DNA as a tag, the ODA3 gene and a full-length cDNA were cloned. The cloned gene rescues the phenotype of oda3 mutants. The cDNA sequence predicts a novel 83.4-kD protein with extensive coiled-coil domains. The ODA-DC contains three polypeptides; direct amino acid sequencing indicates that the largest of these polypeptides corresponds to ODA3. This protein is likely to have an important role in the precise positioning of the outer dynein arms on the flagellar axoneme