Many organisms are accumulating climatic debt as they respond more slowly than expected to rising global temperatures, leading disequilibrium of species diversity with contemporary climate. The resulting transient dynamics complex and may cause overoptimistic biodiversity assessments. We propose a simple budget framework integrate two classes intervention: (i) credits that pay some the debt, re...

Questions remain as to whether results from experimental economics games are generalizable to real decisions in non-laboratory settings. Furthermore, important questions persist about whether social capital can help solve seemingly missing credit markets. I conduct two experiments, a Trust game and a Public Goods game, and a survey to measure social capital. I then examine whether behavior in t...

Deleveraging is the process by which households decide that their level of debt is inconsistent with their revised economic outlook and adjust their leverage accordingly, primarily by substituting debt repayment for consumption. Household deleveraging is a commonly cited reason for the sluggish consumption growth experienced during the current economic recovery from the Great Recession. This po...

Microfinance sector has witnessed a burgeoning outreach under microfinance institutions model which poses a question on the sustainability of the programme. Even if repayment rate for the major MFIs are greater than 95 %, it may neither be an appropriate indicator of institutional sustainability nor on impact. In this paper an examination on the outreach and sustainability of microfinance insti...

Credit scoring models are normally built using only applicants who have been previously accepted for credit. Such non-random sample selection may produce bias in estimated model parameters and accordingly model predictions of repayment performance may not be optimal. Previous empirical research suggests that omission of rejected applicants has a detrimental impact on model estimation and predic...

Coronary reactive hyperemia (CRH) is a physiological response to ischemic insult that prevents the potential harm associated with an interruption of blood supply. The relationship between the pharmacologic inhibition of soluble epoxide hydrolase (sEH) and CRH response to a brief ischemia is not known. sEH is involved in the main catabolic pathway of epoxyeicosatrienoic acids (EETs), which are c...