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Análisis probabilístico de la segmentación de créditos en la provincia El Oro-Ecuador
No full textWithin the context of the province of El Oro-Ecuador, there is a lack of academic research that determines the probability that different public or private financial institutions grant a certain type of credit. Generally, the granting of credit responds to the fulfillment of a certain number of requirements and is considered a mechanical practice. Therefore, the objective is to calculate the probability of accessing credit by developing an econometric multinomial logistic regression model using the "maximum likelihood method" that technically allows finding the most probable values of the distribution parameters in a sample. of beneficiaries of financial institutions in the province of El Oro, considering the most important regressor variables that agree with the existing credit literature and local reality. The results reveal that, of the three main credit segments analyzed (consumer, group and microcredit), group type credits are most likely to be granted (due to their higher level of probability); mainly due to the fact that, as there is a greater number of applicant members, the guarantees for payment of the debt within the established time are higher. Furthermore, this characteristic is accompanied by the fact that the amount requested is greater, and the use of the money is especially dedicated to carrying out productive activities.Dentro del contexto de la provincia de El Oro-Ecuador, se aprecia la escasez de investigaciones académicas que determinen la probabilidad de que las distintas instituciones financieras públicas o privadas otorguen un determinado tipo de crédito. Generalmente el otorgamiento del crédito responde al cumplimiento de un determinado número de requisitos y se lo considera como una práctica mecánica. Por tal, se plantea como objetivo calcular la probabilidad de acceder a un crédito desarrollando un modelo econométrico de regresión logística multinomial usando el "método de máxima verosimilitud" que permita de manera técnica encontrar los valores más probables de los parámetros de la distribución en una muestra de beneficiarios de las instituciones financieras de la provincia de El Oro, considerando las más importantes variables regresoras que concuerdan con la literatura crediticia existente y la realidad local. Los resultados revelan que, de los tres principales segmentos de créditos analizados (consumo, grupal y microcrédito), es más probable que se otorguen (por su mayor nivel de probabilidad) las de tipo grupal; debido principalmente a que, al existir un mayor número de integrantes solicitantes, las garantías para el pago de la deuda en el tiempo establecido son más altas. Además, a esta característica la acompaña que el monto que se solicita es mayor, y el destino del dinero es especialmente dedicado a realizar actividades productivas
Análisis probabilístico de la segmentación de créditos en la provincia El Oro-Ecuador
Get PDFWithin the context of the province of El Oro-Ecuador, there is a lack of academic research that determines the probability that different public or private financial institutions grant a certain type of credit. Generally, the granting of credit responds to the fulfillment of a certain number of requirements and is considered a mechanical practice. Therefore, the objective is to calculate the probability of accessing credit by developing an econometric multinomial logistic regression model using the "maximum likelihood method" that technically allows finding the most probable values of the distribution parameters in a sample. of beneficiaries of financial institutions in the province of El Oro, considering the most important regressor variables that agree with the existing credit literature and local reality. The results reveal that, of the three main credit segments analyzed (consumer, group and microcredit), group type credits are most likely to be granted (due to their higher level of probability); mainly due to the fact that, as there is a greater number of applicant members, the guarantees for payment of the debt within the established time are higher. Furthermore, this characteristic is accompanied by the fact that the amount requested is greater, and the use of the money is especially dedicated to carrying out productive activities.Dentro del contexto de la provincia de El Oro-Ecuador, se aprecia la escasez de investigaciones académicas que determinen la probabilidad de que las distintas instituciones financieras públicas o privadas otorguen un determinado tipo de crédito. Generalmente el otorgamiento del crédito responde al cumplimiento de un determinado número de requisitos y se lo considera como una práctica mecánica. Por tal, se plantea como objetivo calcular la probabilidad de acceder a un crédito desarrollando un modelo econométrico de regresión logística multinomial usando el "método de máxima verosimilitud" que permita de manera técnica encontrar los valores más probables de los parámetros de la distribución en una muestra de beneficiarios de las instituciones financieras de la provincia de El Oro, considerando las más importantes variables regresoras que concuerdan con la literatura crediticia existente y la realidad local. Los resultados revelan que, de los tres principales segmentos de créditos analizados (consumo, grupal y microcrédito), es más probable que se otorguen (por su mayor nivel de probabilidad) las de tipo grupal; debido principalmente a que, al existir un mayor número de integrantes solicitantes, las garantías para el pago de la deuda en el tiempo establecido son más altas. Además, a esta característica la acompaña que el monto que se solicita es mayor, y el destino del dinero es especialmente dedicado a realizar actividades productivas
Going Beyond Counting First Authors in Author Co-citation Analysis
Get PDFThe present study examines one of the fundamental aspects of author co-citation analysis (ACA) - the way co-citation
counts are defined. Co-citation counting provides the data on which all subsequent statistical analyses and mappings
are based, and we compare ACA results based on two different types of co-citation counting - the traditional type that
only counts the first one among a cited work's authors on the one hand and a non-traditional type that takes into
account the first 5 authors of a cited work on the other hand. Results indicate that the picture produced through this non-traditional author co-citation counting contains more coherent author groups and is therefore considerably clearer. However, this picture represents fewer specialties in the research field being studied than that produced through the traditional first-author co-citation counting when the same number of top-ranked authors is selected and analyzed. Reasons for these effects are discussed
Variations on the Author
Get PDF“Variations on the Author” discusses two of Eduardo Coutinho’s recent films (Um Dia na Vida, from 2010, and Últimas Conversas, posthumously released in 2015) and their contribution to the general question of documentary authorship. The director’s filmography is characterized by a consistent yet self-effacing form of authorial self-inscription: Coutinho often features as an interviewer that rather than express opinions propels discourses; an interviewer that is good at listening. This mode of self-inscription characterizes him as an author who is not expressive but who is nonetheless markedly present on the screen. In Um Dia na Vida, however, Coutinho is completely absent form the image, while Últimas Conversas, on the contrary, includes a confessional prologue that moves the director from the margins to the center of his films. This article examines the ways in which these works stand out in the filmography of a director who offers new insights into the notion of cinematic authorship
Appropriate Similarity Measures for Author Cocitation Analysis
Get PDFWe provide a number of new insights into the methodological discussion about author cocitation analysis. We first argue that the use of the Pearson correlation for measuring the similarity between authors’ cocitation profiles is not very satisfactory. We then discuss what kind of similarity measures may be used as an alternative to the Pearson correlation. We consider three similarity measures in particular. One is the well-known cosine. The other two similarity measures have not been used before in the bibliometric literature. Finally, we show by means of an example that our findings have a high practical relevance.information science;Pearson correlation;cosine;similarity measure;author cocitation analysis
Dispelling the Myths Behind First-author Citation Counts
Get PDFWe conducted a full-scale evaluative citation analysis study of scholars in the XML research field to explore just how different from each other author rankings resulting from different citation counting methods actually are, and to demonstrate the capability of emerging data and tools on the Web in supporting more realistic citation counting methods. Our results contest some common arguments for the continued
use of first-author citation counts in the evaluation of scholars, such as high correlations between author rankings by first-author citation counts and other citation
counting methods, and high costs of using more realistic citation counting methods that are not well-supported by the ISI databases. It is argued that increasingly available digital full text research papers make it possible for citation analysis studies to go beyond what the ISI databases have directly supported and to employ more
sophisticated methods
koamabayili/VECTRON-author-checklist: VECTRON author checklist
No full textWe have done our best to complete the author checklist relating to the use of animals in the hut study. Note that the objective for the hut study was to evaluate the IRS treatment applications for residual efficacy against Anopheles mosquitoes, including the local An. coluzzii mosquito population. Cows were only used to attract mosquitoes into the huts and no tests were carried out directly on the cows. The author checklist is intended for use with studies where experiments are carried out on animals, which is why we have had such difficulty in completing this for the hut study, as many of the questions do not relate to how the cows were used
Percepção da qualidade do atendimento prestado pelos veterinários em El Oro
Get PDFService quality is a fundamental pillar in the veterinary sector, determining customer perception and essential to fostering trust and loyalty towards veterinary establishments. In this context, the present study aimed to analyze the differences in the perception of service quality in veterinary clinics in the province of El Oro, Ecuador, using the dimensions of the SERVQUAL model based on clients\u27 expectations and perceptions. This model allows quality to be comprehensively evaluated through specific dimensions: safety, reliability, sensitivity, empathy and tangible elements. The research adopted a quantitative approach, with a descriptive and exploratory scope, and a non-experimental cross-sectional design, to explore how clients value the different aspects of the veterinary services offered. By applying statistical techniques for the analysis of differences in means, specifically the analysis of variance (ANOVA) and the Student\u27s T test, significant differences in quality perceptions were identified between the different dimensions evaluated. The findings indicated that the security dimension has a predominant influence on the perception of service quality. Significant differences in perceptions between genders were also identified, particularly in safety, highlighting the need to adapt services to specific client expectations.La calidad del servicio es un pilar fundamental en el sector veterinario, determinante en la percepción del cliente y esencial para fomentar la confianza y la lealtad hacia los establecimientos veterinarios. En este contexto, el presente estudio tuvo como objetivo analizar las diferencias en la percepción de la calidad del servicio en clínicas veterinarias de la provincia de El Oro, Ecuador, utilizando las dimensiones del modelo SERVQUAL basado en las expectativas y percepciones de los clientes. Este modelo permite evaluar de manera integral la calidad a través de dimensiones específicas: seguridad, fiabilidad, sensibilidad, empatía y elementos tangibles. La investigación adoptó un enfoque cuantitativo, con alcance descriptivo y exploratorio, y diseño transversal no experimental, para explorar cómo los clientes valoran los diferentes aspectos de los servicios veterinarios ofrecidos. Mediante la aplicación de técnicas estadísticas para el análisis de diferencias de medias, específicamente el análisis de varianza (ANOVA) y la prueba T-Student, se identificaron diferencias significativas en las percepciones de calidad entre las distintas dimensiones evaluadas. Los hallazgos indicaron que la dimensión de seguridad influye de manera preponderante en la percepción de la calidad del servicio. También se identificaron diferencias significativas en percepciones entre géneros, particularmente en seguridad, destacando la necesidad de adaptar los servicios a las expectativas específicas de los clientes.A qualidade do serviço é um pilar fundamental no setor veterinário, determinando a perceção do cliente e essencial para fomentar a confiança e a fidelização dos estabelecimentos veterinários. Neste contexto, o presente estudo teve como objetivo analisar as diferenças na percepção da qualidade do serviço em clínicas veterinárias da província de El Oro, Equador, utilizando as dimensões do modelo SERVQUAL baseadas nas expectativas e percepções dos clientes. Este modelo permite avaliar de forma abrangente a qualidade através de dimensões específicas: segurança, confiabilidade, sensibilidade, empatia e elementos tangíveis. A pesquisa adotou abordagem quantitativa, com escopo descritivo e exploratório, e desenho transversal não experimental, para explorar como os clientes valorizam os diferentes aspectos dos serviços veterinários oferecidos. Através da aplicação de técnicas estatísticas de análise de diferenças de médias, especificamente a análise de variância (ANOVA) e o teste T de Student, foram identificadas diferenças significativas nas percepções de qualidade entre as diferentes dimensões avaliadas. Os resultados indicaram que a dimensão segurança tem influência predominante na percepção da qualidade do serviço. Foram também identificadas diferenças significativas nas percepções entre géneros, particularmente na segurança, destacando a necessidade de adaptar os serviços às expectativas específicas dos clientes
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