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This paper argues that borrowers who are considered to be too risky are excluded from microfinance markets due to credit rationing. Insufficient institutional frameworks imply moral hazard which in turn causes the rationing of credit. Focusing on outreach and pricing issues, it
Global energy consumption has been increasing around the world, owing to the rapid growth of industrialization and improvements in the standard of living. As a result, more carbon dioxide and nitrogen oxide are being released into the environment. Therefore, techniques for achieving
The purpose of this thesis is to compare the practical use of the DCF model with the theoretical recommendations. The empirical study is based on eight different DCF models performed by American, European and Nordic investment banks on the Swedish retail company
Integrated optics, or guided wave optics, is playing an increasingly important role in optical communication networks and optical sensor systems today. Optical devices with diverse functionality based on different materials have been demonstrated. Recently, polymeric waveguide devices have attracted a great deal
Face orientation estimation is an important topic in computer vision and pattern recognition, and in particular, more recently in some emerging, media-related applications. Due to the non-rigid properties of faces, it is computationally expensive and in general difficult to achieve good estimation
This study examined the effect of stress on memory impairment by inducing acute stress on healthy human participants. Methods: A total of 46 participants from Hong Kong were randomly assigned to either the stress group (i.e., mental arithmetic with loud noise) or
Multiple Access Techniques is the emerging techniques for the next generation (3G) wireless communication systems. Multiple access techniques has been designed to add features such as multimedia capabilities, high data rates and multi-rate services to the existing wireless communication framework. The data
Investigating a panel of Swedish public companies from 1986 to 2003 (4543 firm year observations) this paper investigates the effect of control structure and type of controlling owner on investment efficiency. Sweden is characterized by a high prevalence of voting and cash
XMLNuke is a Content Management System designed for Internet web sites. It manages all web site information through the use of XML documents. These documents, stored in its native text format, are then changed by XSL instructions and presented to the user
Due to growing awareness of non-point source pollution treatment, the performance of grass swales as a highway runoff treatment and the effect of including a grass filter strip pretreatment area adjacent to the swale were evaluated using a field-scale input/output study on