scholarly journals Quantitative Analysis of the Impact of Microcredit for Women Microentrepreneurs

2021 ◽  
Vol 10 (3) ◽  
Author(s):  
Aine Lima ◽  
Sandro Cabral
Keyword(s):  
Statistical Analysis ◽  
Quantitative Analysis ◽  
Financial Inclusion ◽  
Northeastern Brazil ◽  
Control Group ◽  
Lower Income ◽  
Access To Credit ◽  
Inference Techniques ◽  
The Impact ◽  
Descriptive Statistical Analysis

Microcredit has a fundamental role as a tool for financial inclusion. It is estimated that there are almost 50 million microentrepreneurs in Brazil, of which two-thirds are women. This work aims to analyze the impact of microcredit for women microentrepreneurs in comparison with men, based on data collected in northeastern Brazil in partnership Avante, a fintech specialized in microcredit. Data were collected from microentrepreneurs who had access to credit (treatment group) and those who did not have their credit granted (control group) so that they could be compared. The analysis was divided into two parts. In Part I, a descriptive statistical analysis of the collected data was performed. In Part II, some simplified causal inference techniques were applied to validate whether the impact of microcredit existed for women microentrepreneurs. The results give strong indications that women, despite having a lower income, grow more than men after access to microcredit. The annualized growth in income of women was 19.87%, while that of men was 14.66%.

scholarly journals The Impact of Awareness of New Artificial Intelligence Technologies on Policy Governance on Risk

2020 ◽  
Vol 11 (2) ◽  
pp. 152
Author(s):  
Do-Hyung Yee ◽  
Yen-Yoo You
Keyword(s):  
Artificial Intelligence ◽  
Statistical Analysis ◽  
Analysis Data ◽  
Risk Awareness ◽  
National Security Agency ◽  
Policy Governance ◽  
Risk Manager ◽  
The Impact ◽  
Positive Effect ◽  
Descriptive Statistical Analysis

Background/Objectives: This study examined the risks of new AI technologies and their impact on policy governance. Artificial intelligence is bringing about changes in various fields such as politics, economy and culture through information society and technology. In particular, it has a positive effect on solving various problems of existing society and overcoming limitations. But this advancement in artificial intelligence can create the opposite problem as expected. This appears to be a risk. We identify the factors that recognize this risk and investigate the possible impact on government governance.Methods/Statistical analysis: The questionnaire and data of this journal were analyzed by Korean public portal data, and the analysis data were designated by the Korea Information Technology Agency, AI related company, AI association, Ministry of Science, ICT and Future Planning, IT society, government research institute, Korea Communications Commission, and National Security Agency The questionnaire survey was based on AI experts working in the field.The analysis program uses IBM SPSS Statistics 22. The analysis methods are descriptive statistical analysis, reliability analysis and exploratory factor analysis.Findings: This study examined the risks of new AI technologies and their impact on policy governance. The survey was conducted to clarify comments on awareness of new AI-related technologies, awareness of AI risks, and improvements to AI-related policies.AI risk has become an integral part of regulation and the government's role as a risk manager is important.Improvements/Applications: Further discussion is needed regarding the commercialization effects of AI technology awareness, benefit items and timing items on policy governance through risk awareness.

Savings Groups Reduce Vulnerability, but Have Mixed Effects on Financial Inclusion

2020 ◽  
Author(s):  
Verónica Frisancho ◽  
Martín Valdivia
Keyword(s):  
Financial Inclusion ◽  
Access To Credit ◽  
Administrative Records ◽  
Labor Allocation ◽  
Percentage Point Increase ◽  
Cluster Randomized Control Trial ◽  
Point Increase ◽  
Idiosyncratic Shocks ◽  
Cluster Randomized ◽  
The Impact

This paper evaluates the impact of the introduction of savings groups on poverty, vulnerability, and financial inclusion outcomes in rural Peru. Using a cluster randomized control trial and relying on both survey and administrative records, we investigate the impact of savings groups after more than two years of exposure. We find t hat savings groups channel expensive investments such as housing improvements and reduce households' vulnerability to idiosyncratic shocks, particularly among households in poorer districts. The treatment also induces changes in households labor allocation choices: access to savings groups increases female labor market participation and, in poorer areas, it fosters greater specialization in agricultural activities. Access to savings groups also leads to a four-percentage point increase in access to credit among women, mainly driven by access to the groups loans. However, the introduction of savings groups has no impact on the likelihood of using formal financial services.On the contrary, it discourages access to loans from formal financial institutions and microfinance lenders among the unbanked.

scholarly journals The impact of diabetes mellitus on the anti-tuberculous treatment outcome: a series of cases from the Republic of Moldova

2021 ◽  
Vol 94 (3) ◽  
pp. 325-332
Author(s):  
Evelina Lesnic ◽  
Alina Malic ◽  
Ovidiu Tafuni
Keyword(s):  
Diabetes Mellitus ◽  
Treatment Outcome ◽  
Statistical Analysis ◽  
Treatment Effectiveness ◽  
Tuberculosis Treatment ◽  
Control Group ◽  
Diabetic Patients ◽  
Republic Of Moldova ◽  
The Republic ◽  
The Impact

Background and aims. The Republic of Moldova ranks among the European Region countries with the highest global incidence of tuberculosis. Almost 5% of the cases with pulmonary TB had been diagnosed with DM in 2017. The aim of this study was to assess the impact of diabetes mellitus on the anti-tuberculosis treatment effectiveness for the improvement of the disease outcome. Methods. A retrospective, longitudinal and case-control study, which included a total number of 252 patients diagnosed with pulmonary tuberculosis and distributed into a study group of 93 patients diagnosed with diabetes mellitus and a control group of 159 patients without glycemic disorders was performed. The statistical analysis was performed using EpiInfo software. The statistical analysis of the differences between normally distributed continuous variables was tested with the Student T-test. Results. Based on the collected data we established that the majority of the patients with glycemic disorders were diagnosed with the type 2 diabetes, associated with hyperglycemia and in half of them complications of diabetes were revealed. The age older 55 years and the low economical state were common characteristics of the diabetic patients. Tuberculosis was detected in every second diabetic patient through the radiological screening compared with the passive detection of most of the non-diabetic patients. The anti-tuberculosis treatment outcome was endangered by a higher rate of the adverse drug events in patients with diabetes, which contributed to death in 15%, lost to follow-up 7%, and therapeutic failure in 6%. Conclusions. The anti-tuberculous treatment outcome in patients diagnosed with tuberculosis and diabetes mellitus was significantly diminished by glycemic disorders, history of the previous anti-tuberculous treatment and adverse drug reactions. Individualized therapeutic approach to tuberculosis could improve the treatment effectiveness.

scholarly journals The impact of the use of the cognitive map in the collection of material teaching methods for students of the Faculty of Fine Arts

2018 ◽  
Vol 212 (2) ◽  
pp. 291-320
Author(s):  
Dr. Salah Rahif
Keyword(s):  
Statistical Analysis ◽  
Teaching Methods ◽  
Null Hypothesis ◽  
Fine Arts ◽  
Cognitive Map ◽  
Teaching Material ◽  
Control Group ◽  
The Impact ◽  
Experimental Group

The present study aimed to - Effect of the cognitive map in the collection of material teaching methods. To achieve the aim of the research was the formulation of the null hypothesis of the following: 1 There are no statistically significant differences between the average scores of the experimental group students who are studying according to the cognitive map, and the average scores of the control group students who are studying under way in the collection of the usual methods of teaching material.     It reached the current research sample (80) students, the rate of (40) Talibautalbh the experimental group and (40) students of the control group .lam academic 2013-2014, Faculty of Fine Arts, University of Baghdad To achieve the aim of the research were carried out as follows: - Building a test consists of a written dimensionally (20) paragraph probationary After confirming the veracity of the test and persistence and conducting statistical analysis needed.

scholarly journals Impacto de la COVID-19 en la práctica deportiva de personas participantes en eventos deportivos de carrera a pie y ciclismo en España y Portugal (The impact of COVID-19 on physical activity on people who participate on running and cycling sporting events

Retos ◽  
2020 ◽  
pp. 743-749
Author(s):  
Jordi Segui Urbaneja ◽  
Rui Pedro Julião ◽  
Ricardo Manuel Nogueira Mendes ◽  
Víctor Dorado ◽  
Estela I Farías-Torbidoni
Keyword(s):  
Physical Activity ◽  
Statistical Analysis ◽  
Natural Environment ◽  
Sporting Events ◽  
Confinement Time ◽  
Five Dimensions ◽  
Average Maximum ◽  
The Impact ◽  
Descriptive Statistical Analysis

 Es objeto de este artículo analizar el efecto de la COVID-19 en la práctica deportiva de personas participantes en eventos deportivos de carrera a pie y ciclismo en España y Portugal. Se consideró la situación de práctica deportiva en España y Portugal previa a la irrupción de la COVID-19, como ambos Gobiernos legislan para proteger a los ciudadanos de la pandemia y se analizan las consecuencias de éstas. Se realizó una investigación descriptiva mediante el uso de cuestionario (N=2696) y análisis estadístico descriptivo según características y distribución (prueba de la normalidad) de las diferentes variables: frecuencias, valores medios, máximas y mínimas, mediana e IQR. De los resultados obtenidos se puede destacar: a) la casi plena coincidencia entre estados del perfil genérico de los practicantes; el orden por porcentaje de las variables, e incluso, los porcentajes de cada variable para cuatro de las cinco dimensiones analizadas; b) la dimensión que más difiere fue como se adaptaron durante la fase de confinamiento las personas practicantes en España y Portugal, y c) que en todo momento las personas encuestadas percibieron que las adaptaciones serían pasajeras y era cuestión de algunos meses que se volviera a la normalidad. Estos datos permiten entender el efecto que la pandemia de la COVID-19 tuvo en la práctica deportiva y de participantes de eventos deportivos en el medio natural en España y Portugal.  Abstract. The aim of this article is to analyze the impact of COVID-19 on physical activity on people who participate on running and cycling sporting events people in Spain and Portugal. It was considered The situation of sports practice in Spain and Portugal prior to the outbreak of COVID-19, as both governments legislate to protect citizens from the pandemic and it was analyzed the consequences of these acts. A descriptive investigation was carried out using a questionnaire (N=2696) and descriptive statistical analysis according to characteristics and distribution (test of normality) of different variables: frequencies, average, maximum and minimum values, median and IQR. From the results, the following can be highlighted: a) almost complete coincidence between both countries, of the generic profile of the practitioners; the order, by percentage, of the variables, and even the percentages of each variable for four of the five dimensions analyzed; b) the dimension that differs the most is how practitioners in Spain and Portugal adapted during the confinement time, and c) at all times the respondents perceived that the adaptations would be temporary and it was a matter of a few months before they returned to the normality. These data allow to understand the effect of COVID-19 pandemic had on physical activity on people who participate on sporting events in the natural environment in Spain and Portugal.

scholarly journals Analysis of Environmental References in the Texts of the Four Gospels Using Descriptive Statistics

Religions ◽  
2018 ◽  
Vol 9 (9) ◽  
pp. 266 ◽  
Author(s):  
Zoe Gareiou ◽  
Efthimios Zervas
Keyword(s):  
Statistical Analysis ◽  
Quantitative Analysis ◽  
Human Action ◽  
Natural World ◽  
Descriptive Statistics ◽  
Human Beings ◽  
The Third ◽  
Anthropogenic Environment ◽  
The New Testament ◽  
Descriptive Statistical Analysis

Christian ecotheology uses theology to examine the consequences of human action on ecology. It comes from the notion that the natural world is the creation and the good of God. The study of the Sacred Texts and the analysis of their references to the environment provides information on the relation of human beings to the environment and reveals the approach of each author. In this study, a detailed descriptive statistical analysis of the environmental references of the four Gospels of the New Testament was carried out. The different aspects of the environment (natural, anthropogenic, and spiritual) were explored and a quantitative analysis of the environmental references was performed for the texts of the four Gospels using descriptive statistics measures. The results show that the anthropogenic environment is the most commonly cited, with the spiritual environment coming next and the natural environment in the third position.

scholarly journals THE EFFECT OF TESTOSTERONE DEPRIVATION ON ATHEROPLAQUE FORMATION, TESTOSTERONE RECEPTORS, AND COLLAGENIZATION IN WISTAR PENILE TISSUE

2012 ◽  
Vol 19 (1) ◽  
Author(s):  
Imam Dirgantara Azrul ◽  
Aaron Tigor ◽  
Suwandi Sugandi ◽  
Betthy S. Hernowo
Keyword(s):  
Erectile Dysfunction ◽  
Statistical Analysis ◽  
Quantitative Analysis ◽  
Significant Decline ◽  
Control Group ◽  
Chi Square ◽  
Exact Test ◽  
Immunohistochemistry Staining ◽  
Sham Surgery ◽  
Keywords Erectile Dysfunction

Objective: To evaluate the association between testosterone deprivation and atheroplaque formation, testosterone receptors, and collagenization in Wistar penile tissues. Material & method: Two months after orchiectomized bilaterally, penile tissue of eight Wistar were harvested for semi-quantitative analysis of atheroplaque formation using hematoxyllin-eosin staining. Similar analysis were also conducted to look for collagenization by collagenase staining as well as the expression of testosterone receptors by immunohistochemistry staining. Control group were eight Wistar underwent Sham surgery. Statistical analysis for atheroplaque formation in Wistar compare to control group used was Chi-square, Fishers’ exact test was used for the expression of testosterone receptors, and independent t-tests for evaluating collagenization. Results: A significant decline in the testosterone receptors and increase collagenization were obtained in orchiectomized Wistar, while atheroplaque formation was not significantly different. Conclusion: Testosterone deprivation revealed a significant decline in the expression of testosterone receptors, and a significant increase in collagenization while atheroplaque formation was not significantly changed. Keywords: Erectile dysfunction, testosterone receptors, collagenization, atheroplaque formation, orchiectomy.

scholarly journals Development and validation of humming process to increase heart rate variability & attention for college students

2021 ◽  
Author(s):  
Irani Fariburz Z ◽  
Trivedi Gunjan Y ◽  
Sinha Neeta
Keyword(s):  
College Students ◽  
Heart Rate ◽  
Heart Rate Variability ◽  
Statistical Analysis ◽  
Short Duration ◽  
Emotional Regulation ◽  
Control Group ◽  
Development And Validation ◽  
The Impact ◽  
Experimental Group

Aim: The objective of the study was to compare the impact of daily 10 min humming practice for one week on heart-brain coherence and attention on college students. Methodology: The evidence indicates that increased heart-brain coherence facilitates better emotional regulation and thereby increases attention. Simple humming practice was identified as a method to increase the heart-brain coherence. Each student was assigned randomly to an experimental group or control group. The experimental group (n= 15) performed 10-minutes humming daily for 7 days and the control group (n=15) was not asked to do anything. 10-minute humming was simplified Bhramari practice with total breath duration of 13 seconds based on short training. SDMT (Symbol Digit Modalities Test) and Heart Brain Coherence (using Emwave Pro Device by HeartMath Inc.) was conducted for both the groups on Day 1 and Day 7. Statistical analysis was conducted using student-t test to understand the results. Results: For the experimental group, there was statistically significant improvement in both “Coherence” and “SDMT” score on Day 7 (compared to Day 1, p<.05). For control group, the change in both parameters was not statistically significant. Conclusions: The results confirm that a short duration humming practice just for one week can increase the heart-brain coherence and Heart Rate Variability and has a significant impact on increasing attention amongst the college students. These findings can be leveraged to facilitate better concentration and potentially increased performance for college students.

scholarly journals Implicaciones de la gamificación en educación matemática, un estudio exploratorio

2021 ◽  
Vol 21 (68) ◽  
Author(s):  
Omar Gonzalez ◽  
Elisabeth Ramos Rodríguez ◽  
Patricia Vásquez Saldías
Keyword(s):  
Statistical Analysis ◽  
Control Group ◽  
Test Application ◽  
New Learning ◽  
Quasi Experimental ◽  
Experimental Type ◽  
Teaching Of Mathematics ◽  
High Level ◽  
The Impact ◽  
The Relationship

Las aplicaciones tecnológicas ofrecidas para la educación son variadas, brindando nuevas posibilidades de aprendizaje. Se debe estar en constante vigilancia de las propuestas de gamificación para el aula, dado que su desarrollo y uso no asegura un éxito en la enseñanza. Estudiamos el impacto de la gamificación en la enseñanza de la matemática, analizando su papel en el tratamiento de las figuras geométricas cono y cilindro con estudiantes de 13 y 14 años. Desde un enfoque cuantitativo descriptivo de tipo cuasi-experimental, con grupo control y piloto y aplicación de test, se realiza un análisis estadístico clásico e implicativo, evidenciando un mayor porcentaje de respuestas correctas del grupo piloto, en el ítem sobre la relación entre el volumen del cono y el cilindro, con un 96,3%, en contraste un 73,08% que obtuvo el grupo control. Además, se muestra un comportamiento con alto nivel de similaridad (84,4%) entre el uso del videojuego y responder satisfactoriamente los ítems. Esto nos sugiere que este medio educativo puede provocar mejoras en los aprendizajes del alumnado, quien parece ser proclive a su uso. The technological applications offered for education are varied, providing new learning possibilities. Gamification proposals for the classroom must be constantly monitored, since their development and use does not ensure success in teaching. We study the impact of gamification in the teaching of mathematics, analyzing its role in the treatment of geometric cone and cylinder figures with 13 and 14 years old students. From a descriptive quantitative approach of quasi-experimental type, with a control and pilot group and test application, a classical and implicative statistical analysis is carried out, showing a higher percentage of correct answers from the pilot group, in the item on the relationship between the volume of the cone and the cylinder, with 96.3%, in contrast to 73.08% obtained by the control group. In addition, a behavior with a high level of similarity (84.4%) is shown between the use of virtual games and satisfactorily answering the items. This suggests that this educational medium can cause improvements in the learning of students who seem to be prone to its use.

Facteurs Explicatifs Du Tarissement Des Points D’eau En Milieu De Socle Cristallin Dans Le Departement Des Collines Au Benin

2017 ◽  
Vol 13 (20) ◽  
pp. 206
Author(s):  
Dègla Hervé Koumassi
Keyword(s):  
Data Analysis ◽  
Statistical Analysis ◽  
Geological Data ◽  
Climatic Parameters ◽  
Climatic Fluctuations ◽  
The One ◽  
Geological Units ◽  
The Impact ◽  
The Relationship ◽  
Descriptive Statistical Analysis

The department of the hills is located at the center of Benin in plinth area. The water supply in this area is more and more directed towards surface water due to the hydrogeologic constraints and the impact of the climatic fluctuations. The climatological and geological data analysis made by the methods of descriptive statistical analysis made it possible to analyze the dynamics of the climatic parameters on the one hand and the behavior of the geological units to the recorded flows. The hydroclimatic study showed a deficit on the level of the climatic assessment and a decline of pluviometry since 1970. The study of the hydrogeologic characteristics carried out on 706 drillings made it possible to show the relationship between various parameters such as: thickness of change, flows end of boring and productivity of the drilling / lithology.

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