Background:This study examined the determinants of loan repayment among microcredit finance group members in Delta State,Nigeria.Methods:To capture the determinants of loan repayment in the study area,a total of 48 mi...Background:This study examined the determinants of loan repayment among microcredit finance group members in Delta State,Nigeria.Methods:To capture the determinants of loan repayment in the study area,a total of 48 microcredit groups and 300 microcredit group members were randomly selected through a multi-stage random sampling technique.The study data was collected by questionnaire.Statistical tools such as simple descriptive statistics(table,frequency,percentage and mean)and a multiple regression analysis were used to examine the data.Results:The results indicate that females form a greater proportion of the study area microcredit group members at 70%,moreover 73%of the respondents have a household size of between 6 to 10 persons.These findings revealed that the groups had a mean 8 years of existence with a mean membership size of 13 persons.Further,an average interest rate of 40 percent per annum was charged on loans,with mean loan duration of 6 months.The regression’s result demonstrated that the determinants of the group member’s loan repayment included the group member’s age,household size,house income,and educational level,the amount of credit received,length of stay in their locality,distance to the credit source,supervision and disbursement lag.Conclusion:Therefore it was suggested that the various agricultural microcredit finance groups should carefully examine the significant determinants of loan repayment for the approach’s viability and sustainability and for optimum repayment performance.展开更多
A recent proposal by Adams integrates the digital credentials (DC) technology of Brands with the identity-based encryption (IBE) technology of Boneh and Franklin to create an IBE scheme that demonstrably enhances priv...A recent proposal by Adams integrates the digital credentials (DC) technology of Brands with the identity-based encryption (IBE) technology of Boneh and Franklin to create an IBE scheme that demonstrably enhances privacy for users. We refer to this scheme as a privacy-preserving identity-based encryption (PP-IBE) construction. In this paper, we discuss the concrete implementation considerations for PP-IBE and provide a detailed instantiation (based on q-torsion groups in supersingular elliptic curves) that may be useful both for proof-of-concept purposes and for pedagogical purposes.展开更多
The paper focuses on music of the contemporary Arab-Anglican communities in Israel in their dynamics over the last years. The analysis is based on field recordings and other ethnography collected by the author in 2006...The paper focuses on music of the contemporary Arab-Anglican communities in Israel in their dynamics over the last years. The analysis is based on field recordings and other ethnography collected by the author in 2006-2011. The music of the contemporary Arab-Anglican churches in Israel comprises different styles, which might be decoded as indices of group identity, and transmits different signifiers of belonging to diverse branches of the contemporary world Anglican tradition. A remarkable feature of this Christian community is the ongoing shift of subaltern identities when their most ＂Western＂ component--association with a particular sub-division of the Church--receives its musical expression by means of ＂local motif＇, that is, the tunes associated with regional repertories. The dynamics of ethno-religious identity of Arab-Anglicans in Israel manifests itself through several tendencies, such as ecumenical tendency and some other trends. Though the study is situated in the context of an interdisciplinary academic discourse, music is the main text addressed. ＂Reading＂ this music allowed the author to uncover tenets, trends, and interrelations within the communities under study.展开更多
BACKGROUND The efficacy of cognitive behavioral group therapy(CBGT)for cognitive dysfunction and negative symptoms of schizophrenia is established,but more evidence is required.AIM To assess the effectiveness of CBGT ...BACKGROUND The efficacy of cognitive behavioral group therapy(CBGT)for cognitive dysfunction and negative symptoms of schizophrenia is established,but more evidence is required.AIM To assess the effectiveness of CBGT combined with mental health education as a treatment for schizophrenia compared with mental health education alone.METHODS In all,120 schizophrenia out-patients were randomized into CBGT combined with mental health education or single mental health education.The primary outcomes were positive and negative symptoms,cognitive function,excitatory factor,anxiety and depression symptom improvements on the positive and negative syndrome scale score.Secondary outcome measures included social function and drug compliance.RESULTS There were significant differences between CBGT combined with mental health education and single mental health education on measures of positive and negative symptoms,cognitive functions,excitatory factor,anxiety and depression symptoms,and social functions.No other significant difference in outcomes was observed.CONCLUSION CBGT combined with mental health education may be relevant beneficial treatment method in reducing symptoms,cognitive and social functions of patients with schizophrenia.展开更多
文摘Background:This study examined the determinants of loan repayment among microcredit finance group members in Delta State,Nigeria.Methods:To capture the determinants of loan repayment in the study area,a total of 48 microcredit groups and 300 microcredit group members were randomly selected through a multi-stage random sampling technique.The study data was collected by questionnaire.Statistical tools such as simple descriptive statistics(table,frequency,percentage and mean)and a multiple regression analysis were used to examine the data.Results:The results indicate that females form a greater proportion of the study area microcredit group members at 70%,moreover 73%of the respondents have a household size of between 6 to 10 persons.These findings revealed that the groups had a mean 8 years of existence with a mean membership size of 13 persons.Further,an average interest rate of 40 percent per annum was charged on loans,with mean loan duration of 6 months.The regression’s result demonstrated that the determinants of the group member’s loan repayment included the group member’s age,household size,house income,and educational level,the amount of credit received,length of stay in their locality,distance to the credit source,supervision and disbursement lag.Conclusion:Therefore it was suggested that the various agricultural microcredit finance groups should carefully examine the significant determinants of loan repayment for the approach’s viability and sustainability and for optimum repayment performance.
文摘A recent proposal by Adams integrates the digital credentials (DC) technology of Brands with the identity-based encryption (IBE) technology of Boneh and Franklin to create an IBE scheme that demonstrably enhances privacy for users. We refer to this scheme as a privacy-preserving identity-based encryption (PP-IBE) construction. In this paper, we discuss the concrete implementation considerations for PP-IBE and provide a detailed instantiation (based on q-torsion groups in supersingular elliptic curves) that may be useful both for proof-of-concept purposes and for pedagogical purposes.
文摘The paper focuses on music of the contemporary Arab-Anglican communities in Israel in their dynamics over the last years. The analysis is based on field recordings and other ethnography collected by the author in 2006-2011. The music of the contemporary Arab-Anglican churches in Israel comprises different styles, which might be decoded as indices of group identity, and transmits different signifiers of belonging to diverse branches of the contemporary world Anglican tradition. A remarkable feature of this Christian community is the ongoing shift of subaltern identities when their most ＂Western＂ component--association with a particular sub-division of the Church--receives its musical expression by means of ＂local motif＇, that is, the tunes associated with regional repertories. The dynamics of ethno-religious identity of Arab-Anglicans in Israel manifests itself through several tendencies, such as ecumenical tendency and some other trends. Though the study is situated in the context of an interdisciplinary academic discourse, music is the main text addressed. ＂Reading＂ this music allowed the author to uncover tenets, trends, and interrelations within the communities under study.
基金Supported by Science and Technology Innovation Bureau,Longhua District,Shenzhen,Guangdong Province,China,No.2020202.
文摘BACKGROUND The efficacy of cognitive behavioral group therapy(CBGT)for cognitive dysfunction and negative symptoms of schizophrenia is established,but more evidence is required.AIM To assess the effectiveness of CBGT combined with mental health education as a treatment for schizophrenia compared with mental health education alone.METHODS In all,120 schizophrenia out-patients were randomized into CBGT combined with mental health education or single mental health education.The primary outcomes were positive and negative symptoms,cognitive function,excitatory factor,anxiety and depression symptom improvements on the positive and negative syndrome scale score.Secondary outcome measures included social function and drug compliance.RESULTS There were significant differences between CBGT combined with mental health education and single mental health education on measures of positive and negative symptoms,cognitive functions,excitatory factor,anxiety and depression symptoms,and social functions.No other significant difference in outcomes was observed.CONCLUSION CBGT combined with mental health education may be relevant beneficial treatment method in reducing symptoms,cognitive and social functions of patients with schizophrenia.
