TYING ODYSSEUS TO THE MAST: EVIDENCE FROM A COMMITMENT SAVINGS PRODUCT IN THE PHILIPPINES* pot
TYING ODYSSEUS TO THE MAST: EVIDENCE FROM A COMMITMENT SAVINGS PRODUCT IN THE PHILIPPINES* pot
... outcome variables of interest are take-up of the commitment savings product (D) and savings at the financialinstitution (S). Financial savings held at the Green Bank refers to both savings in the ... respect to money) are 15.8 percentage points more likely to 65 3TYING ODYSSEUS TO THE MAST TYING ODYSSEUS TO THE MAST: EVIDENCE FROM A COMMITMENT SAVINGS PRODUCT IN THE PHILIPPINES* NAVA ASHRAFDEAN ... impact of the savings product on financial savings held at the financial insti-tution (both in the SEED account and in other accounts). Wemeasure change in total balances held in the financial institution(which...
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Enterprise Adjustment and the Role of Bank Credit in Russia: Evidence from a 420 Firm''''s Qualitative Survey pdf
... increasingfor 36%, and has been stable for the remaining 11%. An increase in indebtedness (of 80% in average) is associated with a 14% decrease in production, and with a 2% rise in inventories.Conversely, ... Lehmann and al, 1998) and anecdotal evidence suggest indeed that delays in the payment of wages has been a dominant form oflabor market adjustment in Russia11. However, if one takes into account ... performances,lower levels of barter, and they apparently adjust more easily to financial constraints. The descriptive, statistical analysis in Table 2 indeed confirms that the lower the decline in production...
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THE EFFECTS OF MEGAMERGERS ON EFFICIENCY AND PRICES: EVIDENCE FROM A BANK PROFIT FUNCTION docx
... and the acquired bank(s)were based on all the years going backward in time prior to the merger until either another megamergerinvolving that bank or the year 1980 was reached. In the usual ... cases, the data the set of large banks with complete data over the same timeinterval. If data were unavailable for the merging banks for any of the intervals, the merger was not used in the ... all cases, the efficiency rank is calculated relative to the peer group of alllarge banks that had data available over exactly the same time period as the consolidated or mergingbank. In this...
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Working PaPer SerieS no 1272 / DeCeMBer 2010: THe iMPaCT of PuBliC guaranTeeS on Bank riSk Taking eviDenCe froM a naTural exPeriMenT pptx
... savings banks, rather than to an individual savings bank. In addition to the detailed borrower/bank matched data set, we also use a banklevel data set that includes the savings banks and as a ... from competing with each other, borrowers in a certain region are able to obtain loans only from the local savings bank. In case a borrower has several loans out-standing at the reporting date, ... A for totalassets.22 The latter two are used to calculate the capital assets ratio (E /A = CAR).ROAA and CAR are both averages for the six years before and the six years after the removal, respectively....
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The Impact of Low Income on Child Health: Evidence from a Birth Cohort Study pptx
... overlap in the composition of the low-income samples according to different low-income indicators. Table A7 reveals a close association between low actual income and having a financial hardship ... with low-income (see table A5 ). ALSPAC also contains mother reported data on actual family income. There are serious constraints on the use of these data as income amounts are recorded in five ... birth and education allow us to isolate the impact of income, controlling for mother human capital. However, our data allow us to go further and to examine the impact of both mother’s health and...
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Which interest rate scenario is the worst one for a bank? Evidence from a tracking bank approach for German savings and cooperative banks potx
... class="bi x5 y2f w3 hb" alt="" S(3)S(12) S(60)RˆRWhich interest rate scenario is the worstone for a bank? Evidence from a tracking bank approach forGerman savings and cooperative banksChristoph ... Wilhelm-Epstein-Strasse 14, 60431 Frankfurt am Main, Postfach 10 06 02, 60006 Frankfurt am Main Tel +49 69 9566-1 Telex within Germany 41227, telex from abroad 414431 Please address all orders in ... banksChristoph MemmelDiscussion PaperSeries 2: Banking and Financial StudiesNo 07/2008Discussion Papers represent the authors’ personal opinions and do not necessarily reflect the views of the Deutsche...
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Tài liệu Báo cáo khoa học: Evidence that the assembly of the yeast cytochrome bc1 complex involves the formation of a large core structure in the inner mitochondrial membrane pdf
... molecular mass calibration markersincluded thyroglobulin (670 kDa), apoferritin (440 kDa),catalase (230 kDa), alcohol dehydrogenase (150 kDa), con-albumin (78 kDa), albumin (66 kDa), and b-lactoglobulin(35 ... of other multi-subunit complexes of the mitochon-drial respiratory chain, the assistance of specificchaperone proteins is also required. The available dataindicate that the accessory factor ... membranesisolated from all these deletion strains and from a wild-type strain. In the DQCR9, DISP and DBCS1strains, a protein band of approximately 500 kDa wasimmunodecorated with a polyclonal...
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Tài liệu Báo cáo khoa học: A novel nuclear DNA helicase with high specific activity from Pisum sativum catalytically translocates in the 3¢fi5¢ direction docx
... Actinomycin C1, a polypeptide containing the properties of an antibiotic, intercalates into dsDNA andthereby inhibits nucleic acid synthesis [23]. Nogalamycinand daunorubicin are anthracycline antibiotics ... antibiotics and areconsidered to be universal inhibitors of all the helicasestested so far [22]. Daunorubicin intercalates into the major groove of DNA while nogalamycin intercalatesinto both major and ... kinase and DNA polymerase I were from New England Biolabs; trypsin was from Serva (Heidel-berg, Germany); the DNA-intercalating compounds dau-norubicin, camptothecin, VP-16 and m-AMSA were from Topogene...
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Tài liệu Báo cáo khoa học: "Learning to Compose Effective Strategies from a Library of Dialogue Components" doc
... a train-ing system; creating an MDP from these data and the rewards assigned by the training users; off-linepolicy learning based on this MDP. The Q-function for a certain action taken in a ... vector contains the available information about the dialogue so far thatis relevant for deciding what action to take next in the current dialogue state. We want the system to learn the optimal decisions, ... LearningReinforcement learning refers to a class of machinelearning algorithms in which an agent explores anenvironment and takes actions based on its currentstate. In certain states, the...
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Tài liệu Báo cáo khoa học: Analyzing changes of chromatin-bound replication proteins occurring in response to and after release from a hypoxic block of replicon initiation in T24 cells pptx
... with NaCl/Pi. During the last wash totalDNA was stained with bisbenzimide (2 lgÆmL)1 in NaCl/Pi). Finally PCNA (Alexa FluorÒ 568 stain) and totalDNA (bisbenzimide stain) were visualized ... gassing first mitotic cells appear afterabout 13 h, their number increases within the next 5 h anddecreases again at longer incubation. A similar increase ofDNA synthesis occurs in the same cells ... elutablechromatin fragments preferably originating from regionsfar from matrix attachment points. As DNA replication fociare probably located near the nuclear matrix, preferablynonreplicative chromatin...
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Từ khóa: building a wireless community network in the netherlandsparts of a letter song farmer in the dellsecurity in the internet of things a reviewbuilding a windows it infrastructure in the cloudeuropean cities in the knowledge economy towards a typologyvariations on a theme of corelli in the style of tartini sheet musicBáo cáo quy trình mua hàng CT CP Công Nghệ NPVNghiên cứu tổ chức pha chế, đánh giá chất lượng thuốc tiêm truyền trong điều kiện dã ngoạiMột số giải pháp nâng cao chất lượng streaming thích ứng video trên nền giao thức HTTPGiáo án Sinh học 11 bài 13: Thực hành phát hiện diệp lục và carôtenôitGiáo án Sinh học 11 bài 13: Thực hành phát hiện diệp lục và carôtenôitGiáo án Sinh học 11 bài 13: Thực hành phát hiện diệp lục và carôtenôitĐỒ ÁN NGHIÊN CỨU CÔNG NGHỆ KẾT NỐI VÔ TUYẾN CỰ LY XA, CÔNG SUẤT THẤP LPWANĐỒ ÁN NGHIÊN CỨU CÔNG NGHỆ KẾT NỐI VÔ TUYẾN CỰ LY XA, CÔNG SUẤT THẤP LPWANTrả hồ sơ điều tra bổ sung đối với các tội xâm phạm sở hữu có tính chất chiếm đoạt theo pháp luật Tố tụng hình sự Việt Nam từ thực tiễn thành phố Hồ Chí Minh (Luận văn thạc sĩ)Phát triển du lịch bền vững trên cơ sở bảo vệ môi trường tự nhiên vịnh hạ longSở hữu ruộng đất và kinh tế nông nghiệp châu ôn (lạng sơn) nửa đầu thế kỷ XIXTổ chức và hoạt động của Phòng Tư pháp từ thực tiễn tỉnh Phú Thọ (Luận văn thạc sĩ)Nguyên tắc phân hóa trách nhiệm hình sự đối với người dưới 18 tuổi phạm tội trong pháp luật hình sự Việt Nam (Luận văn thạc sĩ)Giáo án Sinh học 11 bài 14: Thực hành phát hiện hô hấp ở thực vậtGiáo án Sinh học 11 bài 14: Thực hành phát hiện hô hấp ở thực vậtGiáo án Sinh học 11 bài 14: Thực hành phát hiện hô hấp ở thực vậtGiáo án Sinh học 11 bài 14: Thực hành phát hiện hô hấp ở thực vậtBÀI HOÀN CHỈNH TỔNG QUAN VỀ MẠNG XÃ HỘIChiến lược marketing tại ngân hàng Agribank chi nhánh Sài Gòn từ 2013-2015QUẢN LÝ VÀ TÁI CHẾ NHỰA Ở HOA KỲ