Digital Commons Network^™

Vol. 06 No. 2 Journal Of Microfinance, Journal Of Microfinance

Journal of Microfinance / ESR Review

No abstract provided.

The Experience Of Financial Institutions In The Delivery Of Microcredit In The Philippines, Maria Abigail Carpio

Journal of Microfinance / ESR Review

This paper identifies the characteristic features of the different financial market players involved in the delivery of microcredit in the Philippines and looks into their experiences in addressing the credit demand of the small-borrower market segment, particularly the microenterprise sector. This paper argues that each group of lenders, specifically commercial banks, rural banks, credit-granting NGOs, and an apex financial institution, allocates its funds by establishing its own criteria for assessing the creditworthiness of borrowers and its own mechanisms to avoid borrower default. The delivery of microcredit takes place within an environment where the different financial market players face their own …

Cold Climate Case Study; High Efficiency North Dakota Twin Homes, Florida Solar Energy Center, Dave Chasar

FSEC Energy Research Center®

The Eastern Dakota Housing Alliance has completed 8 of 20 planned multi-family and single-family dwellings on Selkirk Circle in Grand Forks, North Dakota. Four twin-home (duplex) units were completed in March of 2003 (Phase I) and four more identical units were completed in February of 2004 (Phase II). Four additional units (Phase III) are due for completion by mid-summer, 2004. Design assistance and performance testing were provided by the Building America Industrialized Housing Project with the goal of achieving up to 50% energy savings over the 1993 Model Energy Code.

To approach this level of savings, various envelope and equipment …

Practicing Cpa, Vol. 28 No. 10, December 2004, American Institute Of Certified Public Accountants (Aicpa)

Newsletters

No abstract provided.

Mobility And Markets: Emerging Outlines Of M-Commerce, Ruby Roy Dholakia, Nikhilesh Dholakia

College of Business Faculty Publications

Mobile commerce—or m-commerce—is characterized by the emerging class of location-based commercial services delivered by a variety of handheld terminals such as mobile phones and palmtop devices. At the Conference on Telecommunications and Information Markets (COTIM)-2001, an international conference held in Karlsruhe, Germany, academic researchers and business practitioners shared their experiences and frameworks about m-commerce. Selected papers based on COTIM-2001 presentations are included in this Special Issue. This paper introduces the preconditions that led to the emergence of m-commerce, the main dimensions of m-commerce that distinguish it from e-commerce, and the key arguments from the contributions on m-commerce in this Special …

Health Care Costs In Maine Chart Book, Susan Payne Phd, Mph, Elizabeth Kilbreth Phd

Population Health & Health Policy

No abstract provided.

Partners In Poultry Science, December 2004, Dale Bumpers College Of Agricultural, Food, And Life Sciences (University Of Arkansas, Fayetteville). Center Of Excellence For Poultry Science

Partners

No abstract provided.

A Descriptive Examination Of Protective Factors: Analysis Of Male Completers Of An Alternative Educational Program, Rona Dominique Roberts

Dissertations

A growing number of students, primarily at the high school level, are being assigned to alternative education programs for behavior management. These students, who engage in risky behaviors, may also come from high-risk environments, suggesting a possible correlation between these two factors that may increase the likelihood of unsuccessful life outcomes. Very little research has been conducted to determine the effectiveness of these programs after completion; however, because of the increasing prevalence of alternative education programs across the nation, questions have emerged as to whether or not students assigned to these programs will continue to engage in at-risk behaviors after …

Towards Applying Computational Complexity To Foundations Of Physics, Vladik Kreinovich, Andrei Finkelstein

Departmental Technical Reports (CS)

In one of his early papers, D. Grigoriev analyzed the decidability and computational complexity of different physical theories. This analysis was motivated by the hope that this analysis would help physicists. In this paper, we survey several similar ideas that may be of help to physicists. We hope that further research may lead to useful physical applications.

American Square Dance Vol. 59, No. 12 (Dec. 2004), Boyd, William (Bill), Boyd, Randy

American Squares

Monthly square dance magazine that began publication in 1945.

Decd2004, Robert Kelly

Robert Kelly Manuscripts

From December 2004 Robert Kelly Archive.

Ua11/1 Echo, December, Wku Public Affairs

WKU Administration Documents

A born digital magazine once delivered over the internet was a continuation of the Echo publication.

Insider Express, Houston Academy Of Medicine-Texas Medical Center Library

Insider Express (2003-2013)

No abstract provided.

Information Outlook, December 2004, Special Libraries Association

Information Outlook, 2004

Volume 8, Issue 12

Perceived Effects Of A Correctional Health Education Service-Learning Program, John Amtmann

Higher Education

The Montana State Prison (MSP) Wellness Program was designed to provide educational and service activities to male inmates for the purpose of improving health status and increasing knowledge on significant health issues relevant to contemporary society. The Applied Health students at Montana Tech of the University of Montana aided in the delivery of the MSP Wellness Program. These services and activities were designed to meet the goals of Healthy People 2010, a national prevention agenda written in a collaborative fashion by governmental agencies and highly regarded health educators.

Exogenous Vasotocin Alters Aggression During Agonistic Exchanges In Male Amargosa River Pupfish (Cyprinodon Nevadensis Amargosae), Sean C. Lema, Gabrielle A. Nevitt

Biological Sciences

Pupfishes in the Death Valley region have rapidly differentiated in social behaviors since their isolation in a series of desert streams, springs, and marshes less than 20,000 years ago. These habitats can show dramatic fluctuations in ecological conditions, and pupfish must cope with the changes by plastic physiological and behavioral responses. Recently, we showed differences among some Death Valley populations in brain expression of arginine vasotocin (AVT). As AVT regulates both hydromineral balance and social behaviors in other taxa, these population differences may indicate adaptive changes in osmoregulatory and/or behavioral processes. To test whether AVT is relevant for behavioral shifts …

Standard Penetration Test-Based Probabilistic And Deterministic Assessment Of Seismic Soil Liquefaction Potential, K. Onder Cetin, Raymond B. Seed, Armen Der Kiureghian, Kohji Tokimatsu, Leslie F. Harder, Jr., Robert E. Kayen, Robb E. S. Moss

Civil and Environmental Engineering

This paper presents new correlations for assessment of the likelihood of initiation (or “triggering”) of soil liquefaction. These new correlations eliminate several sources of bias intrinsic to previous, similar correlations, and provide greatly reduced overall uncertainty and variance. Key elements in the development of these new correlations are (1) accumulation of a significantly expanded database of field performance case histories; (2) use of improved knowledge and understanding of factors affecting interpretation of standard penetration test data; (3) incorporation of improved understanding of factors affecting site-specific earthquake ground motions (including directivity effects, site-specific response, etc.); (4) use of improved methods for …

Farm And Home Research: 55-4, Lance Nixon, Marianne Stein

Farm and Home Research: 1999 - 2007

Contents: [Page] 3- Director’s comments [Page] 4- Antibiotics in runoff [Page] 6- Mr. Weeds, Mr. Extension, Mr. Wrage [Page] 10- Feeds for efficiency [Page] 12- Pulse crops: rotations [Page] 14- Pulse crops: the agronomic angle [Page] 16- Pulse crops: the economics [Page] 18- Pulse crops: feeding peas to swine [Page] 19- First-ever quality-of-life survey: Most South Dakotans are satisfied [Page] 22 Take another look at your soybeans: That may be iron Deficiency Chlorosis [Page] 24- Seed science center planned for campus [Page] 26- ‘2010’ research initiative comes to SDSU

Davey And The Limits Of Equality, Laura S. Underkuffler

Tulsa Law Review

No abstract provided.

Silent Voices, December 2004

Silent Voices

A newsletter published for Deaf Catholics in Mineapolis, MN

Silent Voices Finding Aid

Advocate, December 2004, Vol. [16], No. [3], Gc Advocate

The Advocate

TABLE OF CONTENTS:

Whither Health Services? Administration Reconsiders Health Services Funding in Face of Dwindling Resources. James Hoff (p. 1)

Dispute Brews Over Dining Commons Firing. Administration and Restaurant Associates Defend Dismissal as Some Students Urge Boycott. Antonia Levy and Dan Skinner (p. 1)

Don’t Compromise with Imperial Christianity (p. 2)

Letter: What’s the Matter with Kaminski? Nate Metzger, Dept of Philosophy (p. 2)

Masthead (p. 2)

Community News

Hierarchies in Bike Culture? (Pt. 1). Will Weikart (p. 3)

A Brief History of Restaurant Associates. Dan Skinner and Antonia Levy (p. 4)

Opinions / Analysis

At Pier 57 and Central …

The Alive Center (A Local Information & Volunteer Exchange): An Evaluation Of The Year 2003-2004, Joel Kaunisto

Masters Theses & Specialist Projects

Volunteerism plays an important role in modern American society with benefits accruing to the community and individuals who volunteer. This thesis evaluated the first year of operation of the ALIVE Center (A Local Information and Volunteer Exchange) by addressing four objectives of the program with data obtained from the ALIVE Center. To meet its first objective, the ALIVE Center maintains a current database of local human service organizations. The second objective, to establish a resource center and provide referrals and information to 1,000 people, was achieved. The third objective of maintaining a website was also met. Matching over 200 volunteers …

December 2004, Inland Empire Business Journal

Inland Empire Business Journal

At Deadline l

Close-Up 6

Corporate Profile 7

Investments and Finance 9

Corner on the Market 16

Getting Organized 17

Inland Empire People 18

I Executive Time Out 19

Inland Empire Bank Results 32

Top Ten Southern California Resorts 33, 34

Executive Notes 37

Chambers of Commerce 38

Manager's Bookshelf 40

Automotive Dealers 43,44,45

Restaurant Review 46

Business Brokerage Firms 47

Chaos Énonciatif Du Discours Préfaciel Dans Le Roman Africain, Justin Bisanswa

Présence Francophone: Revue internationale de langue et de littérature

The text examines the status and the role of “prefacial” discourse in the contemporary African novel (Henri Lopes, Valentin Mudimbe and Sony Labou Tansi). While up until recently the preface served to legitimize the text, introducing its author and allowing him to occupy a position, since the 1980s, the para-text (in this case a warning), assumed by the authors themselves, renders itself opaque, becoming a poetic issue and presenting a reflection of the enunciative device, repeatedly putting forward the idea of writing as constant prodding, dread and denial. This questioning, in its own way, defines a grouping of discursive strategies …

Chaos Temporel Et Chaos Romanesque Dans Allah N'Est Pas Obligé D'Ahmadou Kourouma, Nathalie Roy

Présence Francophone: Revue internationale de langue et de littérature

This paper proposes an analysis of time representation in Allah n’est pas obligé with concepts taken from Temps et récit. It aims to show that in relation to Kourouma’s novel, one of Ricoeur’s hypothesis is revealingly insufficient. This hypothesis actually questions representation modes occuring in the text, exposing one of the sources of fictional chaos.

Parties Annexes

Présence Francophone: Revue internationale de langue et de littérature

No abstract provided.

Joint Evaluation Of Mine Action In Cambodia For The Donor Working Group On Mine Action, Robert Griffin, Robert Keeley

Global CWD Repository

This report presents the findings and recommendations of the Joint Evaluation of the Mine Action Sector in Cambodia to the Royal Cambodian Government and the donor Technical Working Group on Mine Action. The objectives of this evaluation are to provide an independent assessment of the achievements and challenges of the mine action sector in Cambodia; to present strategic recommendations for the orientation of future donor support to the sector, taking into account the need to strengthen the linkages between the mine action sector and national development plans and programmes; and to provide a common basis for a renewed donor-government partnership …

Compost As A Growth Substrate For Woody Ornamental Nursery Production, Jaime Crocker

Masters Theses & Specialist Projects

Peat is an expensive, environmentally nonrenewable component of media used to grow woody ornamental trees. Leaf compost from the city of Bowling Green is an inexpensive renewable resource that was substituted for peat in soil-less container media. Seeds of three commercially important tree species, Koelreuteria paniculata (goldenraintree), Quercus alba (white oak), and Magnolia grandiflora (southern magnolia) were grown in 473 mL bottomless milk containers for 150 days, then repotted to 3785 mL pots for 90 days. Media ratios were 1:0, 3:1, 1:1, 1:3, and 0:1 parts commercial media to leaf compost from the Western Kentucky University Agricultural Research Center in …

Hsc E-News., Health Sciences Center, Stony Brook University.

HSC E-News

No abstract provided.

Community Guide: Lawrence Livermove National Laboratory - Site 300, Peter Strauss, Tri-Valley Communities Against A Radioactive Environment

Tri-Valley Communities Against a Radioactive Environment (CAREs)

The purpose of this report is to provide a background analysis of environmental remediation planning and cleanup activities at Lawrence Livermore National Laboratory Site 300 for reference and use by interested members of the community.

This research was completed money allocated during Round 5 of the Citizens’ Monitoring and Technical Assessment Fund (MTA Fund). Clark University was named conservator of these works.

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