issues in designing technology to deliver financial services to the poor

... for the poor household and near the poor household, financial resources and other financial services to support the poor people In reality; financial assistance for the poor people in Ho Chi Minh ... declining share of the world’s the poor In fact, while the poor in developing countries often migrate to cities, they tend to reside in peri-urban areas since city centers are too expensive for them ... Office to find the rate of the poor people in Ho Chi Minh City ,Vietnam over the period of 1998 – 2008 The thesis finds that the rate of the poor household had increased quickly during the recent...

Ngày tải lên: 20/05/2016, 20:50

... (ICM) [12, 13], then in of the resulting individuals would contain no transgene sequences, another in would contain transgene sequences in 100% of their cells, and the remaining from individuals ... or inhibition of IF(s) [43] Seminal fluid reportedly contains an inhibitory factor (IF-1) that appears to actively block the binding of exogenous DNA to sperm and to the above-mentioned proteins ... gene targeting places limits on transgene design, due to the need to engineer the requisite selective elements into the transgene Therefore, the ability to conduct gene targeting in somatic cells...

Ngày tải lên: 03/11/2012, 10:01

... Education in ‘Business Administration’ in Spain HIGHER EDUCATION IN SPAIN WITHIN THE FRAMEWORK OF THE «EUROPEAN AREA OF HIGHER EDUCATION» As it is well known, the starting point of the process to achieve ... in «Tourism» originates from the existing university three-year degree (Diploma) «Diplomado in Tourism» that exists since the sixties in the professional sector and that was incorporated to the ... Education in ‘Business Administration’ in Spain NOTAS TÉCNICAS 595 several others: a degree in «Tourism», a degree in «Accounting and Finance», and yet another in «Human Resources Management» The degree...

Ngày tải lên: 18/02/2014, 11:20

... generation, due to amino acid biosynthesis Much of the generation of NADH during amino acid biosynthesis takes place in the mitochondria Because of the block in the respiratory chain caused by the addition ... antimycin A, NADH should then be reoxidized through shuttle mechanisms with the cytoplasm [14] Acetoin acts as a redox sink at the cytoplasmic level, being reduced to 2,3-butanediol by the cytosolic ... concentrations of antimycin A was actually due to an impairment in the reoxidation of NADH at the mitochondrial level, because in this case the addition of acetoin did not help to restore the redox balance...

Ngày tải lên: 19/02/2014, 02:20

... disappointing since 80% of the current sales are to the urban middle class rather than to the rural poor, the primary target of the original project The size of the BOP market, like any other market, ... Challenges in Marketing Socially Useful Goods to the Poor studies is that, far from triggering a revolution in business thinking, developing BOP strategies requires irms to get back to the basic principles ... takes into account the low income of the poor by considering prices as a fraction of income; even then it ends up overestimating the market potential A poor Indian cannot afford to spend the same...

Ngày tải lên: 19/02/2014, 03:20

... for the existing balance of at least years starting from the date on which the increased annual percentage rate went into effect (B) The percentage of the existing balance that was included in the ... the beginning of such period ‘‘(xiv) Any other information related to interest rates, fees, or other charges that the Board deems of interest.’’; and (2) by adding at the end the following new ... for issuing cards In addition, the bill would prohibit creditors from allowing individuals to pay any fees through the credit made available to them by the credit card when the terms of the credit...

Ngày tải lên: 15/03/2014, 07:20

... (Fig 1A, lanes 4–6) The import of QORH into the inner envelope of chloroplasts was shown to depend on targeting information present in the C-terminus of the preprotein [11] Therefore, we constructed ... MGD1) in the same vectors, using standard PCR protocols Tic22DC was produced by removal of the coding sequence corresponding to 225 C-terminal amini acids of the preprotein Transcription of linearized ... by the stromal processing peptidase The protein subsequently retracts from the Tic translocon and is redirected to the outer envelope [13] Toc75 itself could play a role in the insertion of the...

Ngày tải lên: 23/03/2014, 07:20

... inhibition to explain the decay of an mRNA that fluctuates 10-fold in the cycle At present it is unclear what triggers the decrease in the level of the 2.5-kb cyclin B1 mRNA at the M ⁄ G1 transition Mitotic ... cells Cyclin E1 mRNA increased slightly in late G1 and then diminished about 2-fold in G2 ⁄ M phase The clearest induction in G2 ⁄ M compared to early G1 cells was observed for cyclin A2 mRNA ... about h for cyclin E1 mRNA and 3– 4.5 h for the other transcripts in most cell cycle phases These values are close to those obtained by real-time PCR Only in the case of the short cyclin A2 and B1...

Ngày tải lên: 30/03/2014, 20:20

... of the other approaches used to model deposits in the banking sector In Chapter we investigate bank failures The financial crisis of 1998 and turbulence on the market in summer 2004 raise the ... of financing to mining Central (excluding Moscow), North West and Volga regions prevail in issuing credit to manufacturing, since these regions host most of the large industrial enterprises The ... 2005).26 The increase in the banking sector’s rating in 2005 was due to the growth in intermediation, establishment of more stringent capital adequacy requirement and obligatory use of International...

Ngày tải lên: 03/06/2014, 02:06

... private stockpiling of oseltamivir was causing empty pharmacies in the beginning of the year In the US, increased media attention on the pandemic flu also caused private stockpiling of the drug ... Competing interests The authors declare that they have no competing interests Authors' contributions SHH participated in the initiation of the data collection, analysis and drafting of the manuscript; ... from the Wholesales Register and NorPD and participated in drafting of the manuscript; KB, OH and SD all participated in the drafting of the manuscript and PA participated in the initiation of the...

Ngày tải lên: 12/08/2014, 04:21

... private stockpiling of oseltamivir was causing empty pharmacies in the beginning of the year In the US, increased media attention on the pandemic flu also caused private stockpiling of the drug ... Competing interests The authors declare that they have no competing interests Authors' contributions SHH participated in the initiation of the data collection, analysis and drafting of the manuscript; ... from the Wholesales Register and NorPD and participated in drafting of the manuscript; KB, OH and SD all participated in the drafting of the manuscript and PA participated in the initiation of the...

Ngày tải lên: 12/08/2014, 04:21

... for the therapeutic management of haemoptysis in this clinical setting To summarize, a multidisciplinary approach remains the cornerstone for the management of severe haemoptysis Bedside clinical ... attempted to control the bleeding, using cold saline solution lavage, instillation of topical vasoconstrictive agents and/or balloon tamponade therapy As the administration of systemic terlipressin ... measures in patients or to surgery in six; of these 15 patients died within the first month (4/9 patients managed conservatively and 1/6 undergoing surgery) In another patient, bleeding was related to...

Ngày tải lên: 12/08/2014, 15:20

... Jr: Clinical review 167: Procalcitonin and the calcitonin gene family of peptides in inflammation, infection, and sepsis: a journey from calcitonin back to its precursors J Clin Endocrinol Metab ... additional patients developed sepsis during their stay in the ICU) The principal site of infection was the lung (Table 2) In 38 (66%) of the 58 patients with infections, the responsible micro-organism ... was done in the initial treatment phase in all patients, 31% of septic patients needed additional treatment with intravenous noradrenaline (norepinephrine) The mean dose of noradrenaline on admission...

Ngày tải lên: 12/08/2014, 20:20

Ngày tải lên: 12/08/2014, 22:21

... 35 to 50% of them die The enormous case-fatality had led to an intense research effort to understand the complex pathogenesis of sepsis and to apply the acquired knowledge in therapeutic interventions ... participating in the Hellenic Sepsis Study Group [7] The aim of the study was to identify if the early statuses of the innate and adaptive immune systems of septic patients differ in relation to the ... stimulated by their agonists they produce proinflammatory cytokines [15] When monocytes of the septic host are stimulated ex vivo they fail to produce a similar amount of cytokines as monocytes of the...

Ngày tải lên: 13/08/2014, 20:22

Ngày tải lên: 28/08/2014, 09:50

... preparing instruments, observing and delivering questionnaires and interviewing  Phase 1: The first phase is the preparation for the data collection process, which includes the designing of two interview ... highlighted by the teacher In the task cycle, learners perform the task in pairs or small groups; rehearse their reports before presenting findings in front of the audience The final stage is the language ... researches to date The research is described in details in the following sections 19 CHAPTER 2: METHODOLOGY In the preceding chapter, the literature on the research topic was briefly reviewed for the theoretical...

Ngày tải lên: 19/03/2015, 10:32

... framework for designing TB lessons .6 1.2 Speaking skill in language teaching 1.2.1 What is speaking skill? 1.2.2 The importance of speaking skill in language teaching programs ... vi 2.3.3 The interview .28 2.3.3.1 The interview for teachers 28 2.3.3.2 The interview for students 31 2.4 Conclusion 33 CHAPTER THREE: FINDINGS AND ... 34 3.1 Findings of the study 34 3.1.1 Advantages 34 3.1.1.1 From the students 34 3.1.1.2 From the teachers 34 3.1.1.3 From the administrators ...

Ngày tải lên: 28/03/2015, 08:56

... including the purpose to go to these places I think this is very interesting and attracts students to involve in speaking activities Another teacher used some photos of the weather for the speaking ... places in some papers and the purposes to go to these places in some other papers The students who had the papers having the names of places had to say to find the students who had the papers including ... yet, they had to change into another task In the last aspect - students’ involvement in the lesson, I see that most of students were interested in the speaking lesson The lectures were quite interesting...

Ngày tải lên: 28/03/2015, 08:56

... utilized in order to gain the most valid and reliable information The use of the instrument in the data collection process was primarily illustrated in the following timeline Timeline Pre- intervention ... cohesion and ―since the speaker and writer uses cohesion to signal texture, the listener and the reader has to react to it in order to interpret it‖ In the view of the two scholars the continuity that ... result of the test was counted in their final learning result; therefore, all the students did the test to the best of their ability The survey questionnaire was delivered at the break time of the...

Ngày tải lên: 28/03/2015, 09:05