TYING ODYSSEUS TO THE MAST: EVIDENCE FROM A COMMITMENT SAVINGS PRODUCT IN THE PHILIPPINES* pot

... outcome variables of interest are take-up of the commitment savings product (D) and savings at the financial institution (S). Financial savings held at the Green Bank refers to both savings in the ... respect to money) are 15.8 percentage points more likely to 65 3TYING ODYSSEUS TO THE MAST TYING ODYSSEUS TO THE MAST: EVIDENCE FROM A COMMITME...

Ngày tải lên: 06/03/2014, 10:20

... increasing for 36%, and has been stable for the remaining 11%. An increase in indebtedness (of 80% in average) is associated with a 14% decrease in production, and with a 2% rise in inventories. Conversely, ... Lehmann and al, 1998) and anecdotal evidence suggest indeed that delays in the payment of wages has been a dominant form of labor market adjustment in Russia 11...

Ngày tải lên: 06/03/2014, 08:20

... and the acquired bank(s) were based on all the years going backward in time prior to the merger until either another megamerger involving that bank or the year 1980 was reached. In the usual ... cases, the data the set of large banks with complete data over the same time interval. If data were unavailable for the merging banks for any of the intervals, the...

Ngày tải lên: 06/03/2014, 08:21

... savings banks, rather than to an individual savings bank. In addition to the detailed borrower/bank matched data set, we also use a bank level data set that includes the savings banks and as a ... from competing with each other, borrowers in a certain region are able to obtain loans only from the local savings bank. In case a borrower has several loans ou...

Ngày tải lên: 15/03/2014, 10:20

... overlap in the composition of the low- income samples according to different low-income indicators. Table A7 reveals a close association between low actual income and having a financial hardship ... with low-income (see table A5 ). ALSPAC also contains mother reported data on actual family income. There are serious constraints on the use of these data as income amounts are...

Ngày tải lên: 22/03/2014, 09:20

... class="bi x5 y2f w3 hb" alt="" S(3) S(12) S(60) R ˆ R Which interest rate scenario is the worst one for a bank? Evidence from a tracking bank approach for German savings and cooperative banks Christoph ... Wilhelm-Epstein-Strasse 14, 60431 Frankfurt am Main, Postfach 10 06 02, 60006 Frankfurt am Main Tel +49 69 9566-1 Telex within Germany 41227, telex from abroad 414431...

Ngày tải lên: 22/03/2014, 23:20

... molecular mass calibration markers included thyroglobulin (670 kDa), apoferritin (440 kDa), catalase (230 kDa), alcohol dehydrogenase (150 kDa), con- albumin (78 kDa), albumin (66 kDa), and b-lactoglobulin (35 ... of other multi-subunit complexes of the mitochon- drial respiratory chain, the assistance of specific chaperone proteins is also required. The available data indicate that the...

Ngày tải lên: 18/02/2014, 08:20

... Actinomycin C 1 , a polypeptide containing the properties of an antibiotic, intercalates into dsDNA and thereby inhibits nucleic acid synthesis [23]. Nogalamycin and daunorubicin are anthracycline antibiotics ... antibiotics and are considered to be universal inhibitors of all the helicases tested so far [22]. Daunorubicin intercalates into the major groove of DNA while nogalamycin...

Ngày tải lên: 20/02/2014, 11:20

... a train- ing system; creating an MDP from these data and the rewards assigned by the training users; off-line policy learning based on this MDP. The Q-function for a certain action taken in a ... vector contains the available information about the dialogue so far that is relevant for deciding what action to take next in the current dialogue state. We want the syste...

Ngày tải lên: 20/02/2014, 12:20

... with NaCl/P i . During the last wash total DNA was stained with bisbenzimide (2 lgÆmL )1 in NaCl/ P i ). Finally PCNA (Alexa FluorÒ 568 stain) and total DNA (bisbenzimide stain) were visualized ... gassing first mitotic cells appear after about 13 h, their number increases within the next 5 h and decreases again at longer incubation. A similar increase of DNA synthesis occurs in the...

Ngày tải lên: 21/02/2014, 00:20