scholarly journals La Gestion du Risque de Micro-crédit: La Nécessité du Diagnostic Financier: Cas de la PME MIGEG Microfinance S.A.

2017 ◽  
Vol 13 (19) ◽  
pp. 292
Author(s):  
Lucas Pony
Keyword(s):  
Quantitative Data ◽  
Phase 1 ◽  
The Other ◽  
Second Phase ◽  
Phase 2 ◽  
Financial Health ◽  
Financial Lever ◽  
Diagnosis Method ◽  
Two Phases ◽  
Gestion Du Risque

The reduction of the losses related to credit outstanding payment is very necessary in the micro finance institutions in general, and the SME of micro finance MIGEG* S.A in particular. Here, we carried out a study concerning the management of micro credits risk which result to losses due to non-refund. The method that was proposed in this study is that of the financial diagnosis which operates in two phases. The first phase involves the use of the data collected during the interview to analyze the morality of the customer (Phase 1), while the second phase involves the use of the financial and accounting quantitative data to analyze the financial health of the customer (Phase 2).The diagnosis method considered is that of Dupont which allows us to considerably reduce the percentage of credits outstanding payment. Consequently, it also helps to improve the company’s funds. The proposed method will help the managers to detect the risks of application for credit. The bank will thus grant only the credit bonds related to the highest refunds. This, however, will further lead to the following results: For MIGEG S.A to be viable, it must insist on the ratio of the assets. This refers to the sales of the credits to promote refunds without risk. On the other hand, MIGEG S.A will insist on the ratio of the financial lever, debt and assets, in order to promote the prefinancing of the risk credits. Therefore, it will help to avoid credits related to the guarantees such as the land certificate, inheritance etc.

scholarly journals Comparison of the Bonfils and Levitan Optical Stylets for Tracheal Intubation: A Clinical Study

2011 ◽  
Vol 39 (6) ◽  
pp. 1093-1097 ◽  
Author(s):  
A. Webb ◽  
H. Kolawole ◽  
S. Leong ◽  
T. E. Loughnan ◽  
T. Crofts ◽  
...  
Keyword(s):  
Clinical Study ◽  
Tracheal Intubation ◽  
Prior Experience ◽  
Phase 1 ◽  
The Other ◽  
Surgical Patients ◽  
Second Phase ◽  
Phase 2 ◽  
High Failure Rate ◽  
Novice Users

The Bonfils and Levitan FPS™ scopes are rigid fibreoptic stylets that may assist routine or difficult intubation. This study compared the effectiveness of each in patients with predicted normal airways when used by specialist anaesthetists with no prior experience using optical stylets. Twelve anaesthetists and 324 elective surgical patients participated. Six anaesthetists were randomised to first intubate 20 patients with the Levitan scope (Phase 1) followed by a further seven patients with the Bonfils scope (Phase 2). The other six participating anaesthetists undertook their first 20 intubations with the Bonfils (Phase 1), followed by seven intubations with the Levitan (Phase 2). Outcomes recorded were success rate, total time to intubation, number of attempts, ease of intubation score and incidence of complications. Overall failure rates were similar for the two scopes with 5.6% of patients not intubated after three attempts. Median total times to intubation were similar for the Levitan (44 seconds) and Bonfils (36 seconds) (P=0.11). Participants using the Bonfils in Phase 1 had significantly higher chance of success on first attempt (73%) compared to Levitan users during Phase 1 (57%) (P=0.008). These differences were not significant in the second phase and ease of intubation scores were similar for both scopes (P=0.9). This study showed the two scopes were comparable but the high failure rate amongst novice users demonstrated the importance of familiarity and skill development prior to their introduction to a difficult airway cart.

Acclimation to decompression sickness in rats

2010 ◽  
Vol 108 (3) ◽  
pp. 596-603 ◽  
Author(s):  
E. A. Montcalm-Smith ◽  
R. M. McCarron ◽  
W. R. Porter ◽  
R. S. Lillo ◽  
J. T. Thomas ◽  
...  
Keyword(s):  
Decompression Sickness ◽  
Statistical Significance ◽  
Phase 1 ◽  
The Other ◽  
Phase 2 ◽  
Nonsignificant Trend ◽  
Sham Exposure ◽  
Rapid Decompression ◽  
Two Phases

Protection against decompression sickness (DCS) by acclimation to hyperbaric decompression has been hypothesized but never proven. We exposed rats to acclimation dives followed by a stressful “test” dive to determine whether acclimation occurred. Experiments were divided into two phases. Phase 1 rats were exposed to daily acclimation dives of hyperbaric air for 30 min followed by rapid decompression on one of the following regimens: 70 ft of seawater (fsw) for 9 days (L70), 70 fsw for 4 days (S70), 40 fsw for 9 days (L40), 40 fsw for 4 days (S40), or unpressurized sham exposure for 9 days (Control). On the day following the last exposure, all were subjected to a “test” dive (175 fsw, 60 min, rapid decompression). Both L70 and S70 rats had significantly lower incidences of DCS than Control rats (36% and 41% vs. 62%, respectively). DCS incidences for the other regimens were lower than in Control rats but without statistical significance. Phase 2 used the most protective regimen from phase 1 (L70); rats were exposed to L70 or a similar regimen with a less stressful staged decompression. Another group was exposed to a single acclimation dive (70 fsw/30 min) on the day before the test dive. We observed a nonsignificant trend for the rapidly decompressed L70 dives to be more protective than staged decompression dives (44% vs. 51% DCS incidence). The single acclimation dive regimen did not provide protection. We conclude that protection against DCS can be attained with acclimating exposures that do not themselves cause DCS. The deeper acclimation dive regimens (70 fsw) provided the most protection.

Oxygen radicals in capsaicin-induced bronchoconstriction

1990 ◽  
Vol 68 (2) ◽  
pp. 568-573 ◽  
Author(s):  
Y. L. Lai
Keyword(s):  
Oxygen Radicals ◽  
Phase 1 ◽  
The Other ◽  
Phase 2 ◽  
Airway Constriction ◽  
Respiratory Compliance ◽  
Maximal Expiratory Flow ◽  
Significant Difference ◽  
Two Phases

The role of oxygen radicals in capsaicin-induced bronchoconstriction was investigated using scavengers of the radicals. A total of 48 guinea pigs weighing 293 +/- 7 g were employed in this study, which consisted of two phases. In phase 1, 35 anesthetized paralyzed animals were divided into five groups: group 1A, control (n = 6); group 1B, chronic dimethylthiourea (DMTU, n = 12); group 1C, acute DMTU (n = 6); group 1D, superoxide dismutase (n = 4); and group 1E, catalase (n = 7). All animals were injected with capsaicin (16 micrograms/kg iv), and changes in respiratory compliance and maximal expiratory flow rate were used as indicators of bronchoconstriction. The capsaicin injection caused a marked airway spasm that was significantly ameliorated by chronic DMTU pretreatment, but no amelioration was noted with the other treatments. An additional study for group 1C was performed using a double dose of DMTU. Again no amelioration was found. In phase 2, 13 animals were divided into two groups: group 2A, substance P (SP, n = 7) and group 2B, chronic DMTU + SP (n = 6). There was no significant difference in SP-induced bronchoconstriction between animals in these two groups. These data suggest that capsaicin-induced airway constriction is modulated by oxygen radicals which may augment mainly on the biosynthesis and/or axonal transport of tachykinins.

scholarly journals Technical efficiency and economic viability of different cattle identification methods allowed by the Brazilian traceability system

2017 ◽  
Vol 38 (1) ◽  
pp. 467
Author(s):  
Marcos Aurelio Lopes ◽  
Lucio Violin Junqueira ◽  
Fábio Raphael Pascoti Bruhn ◽  
Andreia Alves Demeu ◽  
Marilane Das Dores Silva
Keyword(s):  
Technical Efficiency ◽  
Phase 1 ◽  
The Other ◽  
Phase 2 ◽  
Electronic Database ◽  
Implementation Phase ◽  
Identification Methods ◽  
Traceability System ◽  
Two Phases ◽  
The Cost

We aimed to evaluate the technical efficiency and economic viability of the implementation and use of four cattle identification methods allowed by the Brazilian traceability system. The study was conducted in a beef cattle production system located in the State of Mato Grosso, from January to June 2012. Four identification methods (treatments) were compared: T1: ear tag in one ear and ear button in the other ear (eabu); T2: ear tag and iron brand on the right leg (eaib); T3: ear tag in one ear and tattoo on the other ear (eata); and T4: ear tag in one ear and electronic ear tag (eael) on the other. Each treatment was applied to 60 Nelore animals, totaling 240 animals, divided equally into three life stages (calves, young cattle, adult cattle). The study had two phases: implementation (phase 1) and reading and transfer of identification numbers to an electronic database (phase 2). All operating expenses related to the two phases of the study were determined. The database was constructed, and the statistical analyses were performed using SPSS® 17.0 software. Regarding the time spent on implementation (phase 1), conventional ear tags and electronic ear tags produced similar results, which were lower than those of hot iron and tattoo methods, which differed from each other. Regarding the time required for reading the numbers on animals and their transcription into a database (phase 2), electronic ear-tagging was the fastest method, followed by conventional ear tag, hot iron and tattoo. Among the methods analyzed, the electronic ear tag had the highest technical efficiency because it required less time to implement identifiers and to complete the process of reading and transcription to an electronic database and because it did not exhibit any errors. However, the cost of using the electronic ear-tagging method was higher primarily due to the cost of the device.

PENERAPAN MODEL QUANTUM LEARNING UNTUK MENINGKATKAN HASIL BELAJAR AUTOCAD SISWA KELAS X TEKNIK PEMESINAN SMK NEGERI 1 STABAT

2013 ◽  
Vol 5 (1) ◽  
Author(s):  
Abdul Hasan Saragih
Keyword(s):  
Positive Response ◽  
Phase 1 ◽  
First Grade ◽  
Learning Model ◽  
Second Phase ◽  
Phase 2 ◽  
Phase 3 ◽  
The Third ◽  
Third Phase ◽  
Quantum Learning

This classroom research was conducted on the autocad instructions to the first grade of mechinary class of SMK Negeri 1 Stabat aiming at : (1) improving the student’ archievementon autocad instructional to the student of mechinary architecture class of SMK Negeri 1 Stabat, (2) applying Quantum Learning Model to the students of mechinary class of SMK Negeri 1 Stabat, arising the positive response to autocad subject by applying Quantum Learning Model of the students of mechinary class of SMK Negeri 1 Stabat. The result shows that (1) by applying quantum learning model, the students’ achievement improves significantly. The improvement ofthe achievement of the 34 students is very satisfactory; on the first phase, 27 students passed (70.59%), 10 students failed (29.41%). On the second phase 27 students (79.41%) passed and 7 students (20.59%) failed. On the third phase 30 students (88.24%) passed and 4 students (11.76%) failed. The application of quantum learning model in SMK Negeri 1 Stabat proved satisfying. This was visible from the activeness of the students from phase 1 to 3. The activeness average of the students was 74.31% on phase 1,81.35% on phase 2, and 83.63% on phase 3. (3) The application of the quantum learning model on teaching autocad was very positively welcome by the students of mechinary class of SMK Negeri 1 Stabat. On phase 1 the improvement was 81.53% . It improved to 86.15% on phase 3. Therefore, The improvement ofstudent’ response can be categorized good.

Psychiatry Transcript Annotation: Process Study and Improvements

2021 ◽  
Vol 10 (1) ◽  
pp. 71-75
Author(s):  
Srinivasan Sridhar ◽  
Nazmul Kazi ◽  
Indika Kahanda ◽  
Bernadette McCrory
Keyword(s):  
Mental Health ◽  
Work Experience ◽  
Phase 1 ◽  
Kappa Statistics ◽  
Phase 2 ◽  
Rater Reliability ◽  
Standard Data ◽  
Annotation Process ◽  
Data Collection Process ◽  
Two Phases

Background: The demand for psychiatry is increasing each year. Limited research has been performed to improve psychiatrist work experience and reduce daily workload using computational methods. There is currently no validated tool or procedure for the mental health transcript annotation process for generating “gold-standard” data. The purpose of this paper was to determine the annotation process for mental health transcripts and how it can be improved to acquire more reliable results considering human factors elements. Method: Three expert clinicians were recruited in this study to evaluate the transcripts. The clinicians were asked to fully annotate two transcripts. An additional five subjects were recruited randomly (aged between 20-40) for this pilot study, which was divided into two phases, phase 1 (annotation without training) and phase 2 (annotation with training) of five transcripts. Kappa statistics were used to measure the inter-rater reliability and accuracy between subjects. Results: The inter-rater reliability between expert clinicians for two transcripts were 0.26 (CI 0.19 to 0.33) and 0.49 (CI 0.42 to 0.57), respectively. In the pilot testing phases, the mean inter-rater reliability between subjects was higher in phase 2 with training transcript (k= 0.35 (CI 0.052 to 0.625)) than in phase 1 without training transcript (k= 0.29 (CI 0.128 to 0.451)). After training, the accuracy percentage among subjects was significantly higher in transcript A (p=0.04) than transcript B (p=0.10). Conclusion: This study focused on understanding the annotation process for mental health transcripts, which will be applied in training machine learning models. Through this exploratory study, the research found appropriate categorical labels that should be included for transcripts annotation, and the importance of training the subjects. Contributions of this case study will help the psychiatric clinicians and researchers in implementing the recommended data collection process to develop a more accurate artificial intelligence model for fully- or semi-automated transcript annotation.

LinkedIn and recruitment: how profiles differ across occupations

2014 ◽  
Vol 36 (5) ◽  
pp. 583-604 ◽  
Author(s):  
Julie Zide ◽  
Ben Elman ◽  
Comila Shahani-Denning
Keyword(s):  
New York ◽  
Social Networking Sites ◽  
Personal Information ◽  
Phase 1 ◽  
Small Sample ◽  
Research Approach ◽  
Second Phase ◽  
Content Type ◽  
Two Phases ◽  
Group Member

Purpose – The purpose of this paper is to identify the elements of a LinkedIn profile that hiring professionals focus on most, and then examine LinkedIn profiles in terms of these identified elements across different industries. Design/methodology/approach – The methodology was comprised of two phases. In the first phase, researchers interviewed hiring professionals to determine their usage of LinkedIn. In the second phase, LinkedIn group member profiles from three industries – HR, sales/marketing and industrial/organizational (I/O) psychology – were compared on the 21 variables identified in Phase 1 (n=288). Findings – χ2 and ANOVA tests showed significant differences with respect to ten of the LinkedIn variables in how people presented themselves across the three groups. There were also several gender differences found. Research limitations/implications – A general limitation was the use of a qualitative research approach. A limitation of Phase 1 was that only a small sample of New York City-based hiring professionals was interviewed. Perhaps a wider, more diverse sample would have yielded different variables. In terms of Phase 2, it is possible that just utilizing the second connections of the researchers limited the generalizability of findings. Practical implications – User unwillingness to fully complete the LinkedIn profile suggests that it may not have replaced the traditional resume yet. Sales/marketing professionals were more likely than HR and I/O psychology professionals to complete multiple aspects of a LinkedIn profile. Women were also less likely than men to provide personal information on their profiles. Originality/value – Most of the empirical research on social networking sites has focussed on Facebook, a non-professional site. This is, from the knowledge, the first study that systematically examined the manner in which people present themselves on LinkedIn – the most popular professional site used by applicants and recruiters worldwide.

scholarly journals Teaching the pronunciation of sentence final and word boundary stops to French learners of English: distracted imitation versus audio-visual explanations

2016 ◽  
Vol 14 (4) ◽  
pp. 377-388 ◽  
Author(s):  
Maelle Amand ◽  
Zakaria Touhami
Keyword(s):  
Second Language Acquisition ◽  
Language Acquisition ◽  
Phase 1 ◽  
Working Environment ◽  
The Other ◽  
Word Boundary ◽  
Second Phase ◽  
Idiomatic Expressions ◽  
No Release ◽  
French And English

Studies on stop unrelease in second language acquisition have hitherto focused on the productions of Slavic learners of English (Šimačkova & Podlipsky, 2015) and experiments on Polish learners of English; the latter show the tendency to release stops on a more regular basis depending on the type of stop combinations (Rojczyk et al. 2013). In the present study, we aim to test the efficiency of audio-visual explanations as opposed to distracted imitation in pronunciation teaching amongst French learners of English. While unreleased stops are rather frequent in French and English - especially in plosives clusters (Byrd, 1993; Davidson, 2010), unreleased plosives in final positions are less common in French (Van Dommelen, 1983). During phase 1 of the experiment, three groups of 12 native French learners of English (level A1/A2, B1/B2 and C1/C2) were asked to read idiomatic expressions containing both homogeneous and heterogeneous sequences of voiceless stops straddled between words, namely, in sequences like “that cat” [dat˺ kat˺], and stops at the end of sentences like “I told him to speak” [tə spiːk˺]. In the second phase of the experiment, one half in each group was given a different task. The first group heard recorded versions of phase 1 sentences and before reading them out loud, counted up to five in their L1. Stimuli for imitation contained no release in the contexts under scrutiny. The other half had to watch a video explaining the phenomenon of unreleased stops with a production of phase-two expressions propped up by hand gestures. They were then asked to re-read the sentences given in phase 1. Based on these results the current study makes recommendations about what working environment should be prioritized in pronunciation teaching both in class and online (Kroger et al. 2010), and suggests ways to assess students and visually keep track of their progress.

scholarly journals Removal of organic matter from pre-treated domestic sewage in anaerobic biological reactor by a combined system of electrolytic and biological aerobic treatment

2019 ◽  
Vol 14 (4) ◽  
pp. 1
Author(s):  
Ariela Araujo Fonseca ◽  
Yovanka Pérez Ginoris ◽  
Norma Mendes Pinheiro Gontijo ◽  
Marco Antonio Almeida de Souza
Keyword(s):  
Organic Matter ◽  
Electric Current ◽  
Phase 1 ◽  
Zooplankton Community ◽  
Batch Reactors ◽  
Phase 2 ◽  
Combined System ◽  
Organic Matter Removal ◽  
Electrolytic Process ◽  
Two Phases

Biological processes are the most widespread methods for wastewater treatment. However, they are limited in their ability to degrade toxic and refractory pollutants, contaminants that electrochemical processes can remove. Therefore, this research explored the possibility of treating sewage by an anaerobic biological process followed by an aerobic system integrated to an electrolytic process. Three sequential batch reactors were operated in an automated way. Each of three reactors represented a process: aerobic biological treatment (BR); electrolytic treatment (ER); and a combination of both, the bio electrolytic reactor (BER). Two phases were ran with different electrodes: (Phase 1) stainless steel and (Phase 2) graphite. The electric current was varied from 0.001 to 0.100 A. COD, TS, SS, turbidity, and the zooplankton community were monitored. The highest organic matter removal efficiencies were 86%, 79% and 87% for BR, ER and BER, respectively. The best weekly BER efficiencies for COD removal were 90% and 98%, with current densities of 0.27 A/m2 (Phase 1) and 0.05 A/m2 (Phase 2). The main conclusions about bio electrolytic process were: (1) it did not achieve organic matter removal high enough to justify its application; (2) inert electrodes are the more indicated; and (3) the zooplankton community was affected by the electric current.

scholarly journals Developing a realist theory of psychosocial rehabilitation: the Clubhouse model

2021 ◽  
Author(s):  
Christina Mutschler ◽  
Jen Rouse ◽  
Kelly McShane ◽  
Criss Habal-Brosek
Keyword(s):  
Phase 1 ◽  
Psychosocial Rehabilitation ◽  
Theory Development ◽  
Realist Evaluation ◽  
Self Determination ◽  
Phase 2 ◽  
Two Phase ◽  
Realist Theory ◽  
Clubhouse Model ◽  
Two Phases

Background Psychosocial rehabilitation is a service that supports recovery from mental illness by providing opportunities for skill development, self-determination, and social interaction. One type of psychosocial rehabilitation is the Clubhouse model. The purpose of the current project was to create, test, and refine a realist theory of psychosocial rehabilitation at Progress Place, an accredited Clubhouse. Method Realist evaluation is a theory driven evaluation that uncovers contexts, mechanisms, and outcomes, in order to develop a theory as to how a program works. The current study involved two phases, encompassing four steps: Phase 1 included (1) initial theory development and (2) initial theory refinement; and Phase 2 included (3) theory testing and (4) refinement. Results The data from this two-phase approach identified three demi-regularities of recovery comprised of specific mechanisms and outcomes: the Restorative demi-regularity, the Reaffirming demi-regularity, and the Re-engaging demi-regularity. The theory derived from these demi-regularities suggests that there are various mechanisms that produce outcomes of recovery from the psychosocial rehabilitation perspective, and as such, it is necessary that programs promote a multifaceted, holistic perspective on recovery. Conclusions The realist evaluation identified that Progress Place promotes recovery for members. Additional research on the Clubhouse model should be conducted to further validate that the model initiates change and promotes recovery outcomes.

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