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In stark contrast to bank debt contracts, most micro-finance contracts require that repayments start nearly immediately after loan disbursement and occur weekly thereafter. Even though economic theory suggests that a more flexible repayment schedule would benefit clients and potentially improve their repayment capacity, micro-finance practitioners argue that he fiscal discipline imposed by freq...

We present a methodology to grant and follow-up credits for micro-entrepreneurs. This segment of grantees is very relevant for many economies, especially in developing countries, but shows a behaviour different to that of classical consumers where established credit scoring systems exist. Parts of our methodology follow a proven procedure we have applied successfully in several credit scoring p...

Teaching through story telling has been recognized as a pedagogical paradigm that enhances learning outcomes at many levels. Understanding life, science and even technological concepts becomes easier if the educational content is presented as a well-linked narrative. Movement Oriented Design (MOD) is a paradigm that views any presentation as a story telling artifact. From Aristotle’s time we ha...

Measuring the quality of metadata is only possible by assessing the quality of the underlying schema and the metadata instance. We propose some factors that are measurable automatically for metadata according to the CMD framework, taking into account the variability of schemas that can be defined in this framework. The factors include among others the number of elements, the (re-)use of reusabl...

Alternative methods of treating psychological stress are needed to treat some veterans of recent military conflicts. The use of virtual world technologies is one possible platform for treatment that is being explored by the “Coming Home” project at the University of Southern California’s Institute for Creative Technologies (ICT). One of the novel ways ICT is attempting to mitigate stress via vi...

We document music programming in Gibber, a creative coding environment for the browser. We describe affordances for a sample-accurate and functional approach to scheduling, pattern creation and manipulation, audio synthesis, using rhythm and harmony, and score definition and playback.