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Expanding Microenterprise Credit Access: Using Randomized Supply Decisions to Estimate the Impacts in Manila * ppt

Expanding Microenterprise Credit Access: Using Randomized Supply Decisions to Estimate the Impacts in Manila * ppt

Expanding Microenterprise Credit Access: Using Randomized Supply Decisions to Estimate the Impacts in Manila * ppt

... 0.09 6** * 0.07 8** * 0.16 3** * 0.10 5** * 0.08 4** * (0.022) (0.026) (0.045) (0.034) (0.030)[0.145] [0.149] [0.122] [0.150] [0.139] Level loan size for loans <=50,000 pesos 2,155.9 5** * 1,790.5 7** * ... outstanding loan 0.09 5** * 0.07 3** * 0.16 2** * 0.10 0** * 0.08 9** * (0.023) (0.027) (0.047) (0.037) (0.030)[0.152] [0.155] [0.134] [0.163] [0.141] Level loan size for loans 2,028.0 8** * 1,223.35 3,052.1 3* ... 2,667.2 3** 1,172.9 0** * (727.01) (817.43) (1,556.42) (1,344.72) (404.95)[3,098.55] [2,924.63] [4,097.56] [4,213.38] [1,983.73] Number of loans 0.10 7** * 0.08 5** * 0.16 3** * 0.11 6** * 0.09 4** * (0.025)...
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Experimental study of passive cooling of building facade using phase change materials to increase thermal comfort in buildings in hot humid areas

Experimental study of passive cooling of building facade using phase change materials to increase thermal comfort in buildings in hot humid areas

... throughout the day. The heat is then conducted to the inner spaces, thereby creating thermal discomfort for the building occupants. PCM has never been tested in a hot humid climate like Madurai in India, ... and thus the potential benefits remain uncertain, especially for the residential sector. This study investigates the potential of using PCM for thermal heat storage in building facades in hot ... and to be applied during summer time for the naturally ventilated (NV) buildings. A wider range of indoor temperature was given based on the findings from the occupants in the NV buildings. The...
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Tài liệu Báo cáo khoa học:

Tài liệu Báo cáo khoa học: "Using Automatically Transcribed Dialogs to Learn User Models in a Spoken Dialog System" doc

... St. The user state consists of three bits: one bit indi-cating whether the system has correctly recognized the callee’s name, one bit indicating whether the system has correctly recognized the ... value for θ, and then generated syn-thetic dialogs by following the probabilistic processdepicted in Figure 1. In this way, we were able to create synthetic training sets of varying sizes, as ... cast the user’s internalstate as a complex hidden variable and estimate itstransitions using the true user actions with EM. Ourwork employs EM to infer the model of user actions,not the model...
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Báo cáo khoa học:

Báo cáo khoa học: "Using Conditional Random Fields to Predict Pitch Accents in Conversational Speech" pptx

... were the predominant for-malism to model label sequences. However, theyhave two major shortcomings. They are trainednon-discriminatively using maximum likelihood es-timation to model the joint ... When the window size is 1, only values of the word that is la-belled are incorporated in the model. When the win-dow size is 3, the values of the previous and the fol-lowing words as well as the ... ourselves to 1-orderMarkov model features to encode inter-label de-pendencies. The information used to encode the observation-label dependencies is explained in de-tail in Section 4. In CRFs, the...
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Using a DataGrid Control to Access a Database

Using a DataGrid Control to Access a Database

... to the rows in the DataGrid: 1. Go ahead and add another button and set the Text property of this button to Update. 2. Double-click this button and add the following statement to the button2_Click() ... commits the change you made to the row in the Customers table (see Figure 6.16). Figure 6.16: The running form 4. Reset the CompanyName for the first row back to the original by removing Shoppe ... to store the rows from the Customers table: 1. Click an area of your form outside the DataGrid. 2. Click the Generate Dataset link near the bottom of the Properties window. This displays the...
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Tài liệu Do Firms Want to Borrow More? Testing Credit Constraints Using a Directed Lending Program doc

Tài liệu Do Firms Want to Borrow More? Testing Credit Constraints Using a Directed Lending Program doc

... included in the priorit y sector and thus resulted in an increase in their credit. Conversely, the 2000 reformincreased the shadow cost of lending for firms with investment in plant and machinery ... show in the next section that there was no corresponding change in the interestrate. To the extent that firms accepted the additional credit being offered to them, this is directevidence of credit ... constraint binds, a firm will respond to the availabilit y of extrabank credit by also borrowing more from the market, in order to maintain the required minimumshare of market borro wing. In this...
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Tài liệu Access to Credit and Its Impact on Welfare in Malawi ppt

Tài liệu Access to Credit and Its Impact on Welfare in Malawi ppt

... for informal credit. The significant decrease in the amount of informal loans demanded in re-sponse to increases in the informal credit limit when the informal credit constraint isnot binding ... increase in their credit limits. But when they were not binding the imperfectinformation about their credit limits caused decreases in their demands for credit in response to changes in their credit ... Because of the induced change induced change When the informalParameter in the formal in the informal credit constraint Sum ofIndependent variable estimates (θθI) Directly credit limit credit...
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Credit Access for Small and Medium Firms Survey Evidence for Ireland doc

Credit Access for Small and Medium Firms Survey Evidence for Ireland doc

... commentators claim that a fall-off in credit demand is the reason behind the decrease in credit provided to the Irish SME sector. As mentioned in the introduction, little can be said about the absolute ... will get behind these figures in Section 4.3 by using PSM to compare each Irish firm to the most similar comparator firm from the rest of the sample.From our description of the credit supply and ... reduction in credit applications.Turning to credit supply, Table 1 s hows the breakdown of the outcome of applications for bank credit in both 2007 and 2010. The survey allows firms to indicate if they...
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Using a Spend Analysis to Help Identify Prospective Air Force Purchasing and Supply Management Initiatives - Summary of Selected Findings potx

Using a Spend Analysis to Help Identify Prospective Air Force Purchasing and Supply Management Initiatives - Summary of Selected Findings potx

... USAF Budget = $100.3B* Personnel*31%Weapons,goods andservices ** 69%USAFdirectpurchases50%OtherGovt .** * 19 % * USAF FY02 Statistical Digest . ** Total USAF budget minus personnel expenditures ... 1,200Federal Supply Class codes) from a huge number of contractor ID codes(more than 10,000). There are several indicators in the DD350 data that the Air Force may wish to examine more closely in seeking ... pressure to make the most of its existing resources.- 2 -DB-434-AF-2 07/03FY02 USAF Budget = $100.3B*Personnel*31%Weapons,goods andservices ** 69%USAFdirectpurchases50%OtherGovt .** * 19...
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FINANCING SMALL BUSINESSES SMALL BUSINESS AND CREDIT ACCESS docx

FINANCING SMALL BUSINESSES SMALL BUSINESS AND CREDIT ACCESS docx

... 2011Financing Small BuSineSSeS Small BuSineSS and credit acceSSFinancing Small BuSineSSeS Small BuSineSS and credit acceSS15 | Financing Small Business: Small Business and Access to Credit Credit ... Attempting Not Attempting to Borrow to Borrow19 | Financing Small Business: Small Business and Access to Credit increases the likelihood of moving to a higher category by nine percent, all factors ... = 218) 17 | Financing Small Business: Small Business and Access to Credit Table 3 conTinuedattemPtS to oBtain credit From a Financial inStitution in the laSt 12 monthS By credit tyPe and...
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