scholarly journals Digitising microfinance: on the route to losing the traditional ‘human face’ of microfinance institutions

2021 ◽  
pp. 1-15
Author(s):  
Juliana Siwale ◽  
Cécile Godfroid
1996 ◽  
Vol 1 (3) ◽  
pp. 200-205 ◽  
Author(s):  
Carlo Umiltà ◽  
Francesca Simion ◽  
Eloisa Valenza

Four experiments were aimed at elucidating some aspects of the preference for facelike patterns in newborns. Experiment 1 showed a preference for a stimulus whose components were located in the correct arrangement for a human face. Experiment 2 showed a preference for stimuli that had optimal sensory properties for the newborn visual system. Experiment 3 showed that babies directed their attention to a facelike pattern even when it was presented simultaneously with a non-facelike stimulus with optimal sensory properties. Experiment 4 showed the preference for facelike patterns in the temporal hemifield but not in the nasal hemifield. It was concluded that newborns' preference for facelike patterns reflects the activity of a subcortical system which is sensitive to the structural properties of the stimulus.


2014 ◽  
Vol 25 (3) ◽  
pp. 201-210
Author(s):  
Tetsuro Narita ◽  
Francisco Rojo ◽  
Luis Eduardo Marquez

2018 ◽  
Vol 9 (6) ◽  
pp. 529-536
Author(s):  
Martin Khoya Odipo ◽  

Recent studies have documented that innovations improve profitability of firms. This article documents that deposit taking micro financial institutions that have adopted financial innovations have increased their profitability. The study covered five years between 2009-2013. Both primary and secondary data were used in the study. Primary data was obtained through administration of drop and pick questionnaires to selected employees of the institutions. Secondary data was obtained from financial statements and management reports of these deposit taking microfinance institutions. Data was analyzed using descriptive statistics, return on asset and multi-liner regression model to determine the effect of each financial innovation applied on profitability on the micro-financial institution. The results showed that most deposit taking microfinance institutions adopted these financial innovations in their current operations. There was strong positive relationship between individual innovations and profitability. In line with profitability ROA also showed improvement each year after the adoption of these financial innovations.


1998 ◽  
Vol 118 (5) ◽  
pp. 727-736
Author(s):  
Hertog Nugroho ◽  
Shigeyoshi Takahashi ◽  
Yoshiteru Ooi ◽  
Shinji Ozawa
Keyword(s):  

Author(s):  
Joanna Ledgerwood ◽  
Victoria White

2020 ◽  
Vol 2020 (11) ◽  
pp. 267-1-267-8
Author(s):  
Mitchell J.P. van Zuijlen ◽  
Sylvia C. Pont ◽  
Maarten W.A. Wijntjes

The human face is a popular motif in art and depictions of faces can be found throughout history in nearly every culture. Artists have mastered the depiction of faces after employing careful experimentation using the relatively limited means of paints and oils. Many of the results of these experimentations are now available to the scientific domain due to the digitization of large art collections. In this paper we study the depiction of the face throughout history. We used an automated facial detection network to detect a set of 11,659 faces in 15,534 predominately western artworks, from 6 international, digitized art galleries. We analyzed the pose and color of these faces and related those to changes over time and gender differences. We find a number of previously known conventions, such as the convention of depicting the left cheek for females and vice versa for males, as well as unknown conventions, such as the convention of females to be depicted looking slightly down. Our set of faces will be released to the scientific community for further study.


Author(s):  
Reshma P ◽  
Muneer VK ◽  
Muhammed Ilyas P

Face recognition is a challenging task for the researches. It is very useful for personal verification and recognition and also it is very difficult to implement due to all different situation that a human face can be found. This system makes use of the face recognition approach for the computerized attendance marking of students or employees in the room environment without lectures intervention or the employee. This system is very efficient and requires very less maintenance compared to the traditional methods. Among existing methods PCA is the most efficient technique. In this project Holistic based approach is adapted. The system is implemented using MATLAB and provides high accuracy.


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