The document proposes changes to the EAGLE scoring system for rural banks in the Philippines. It suggests increasing the minimum capital adequacy ratio requirement from 3.0 to 3.5. It also proposes changes to indicators for efficiency, growth, earnings, and increasing the minimum number of active borrowers required for mature rural banks from 1,000 to 2,000. The changes aim to update the scoring system due to industry changes like more players and competition in microfinance over the past 5 years.
Modelo De Auto Avaliação Das Bibliotecas Escolares Metodologias De Operaci...Celia Ganhao
Este documento compara os indicadores do Modelo de Autoavaliação das Bibliotecas Escolares com os tópicos em análise da avaliação externa das escolas realizada pelo IGE. Apresenta um quadro de cruzamento de dados que relaciona os campos e dimensões avaliadas pelo IGE com os indicadores do modelo de autoavaliação.
Panicle bacterial blight, caused by Burkholderia glumae and Burkholderia gladioli, is widely distributed in Colombia. B. glumae is more aggressive and causes grain discoloration and infertility. Studies in greenhouse conditions showed an epiphytic phase with low bacteria concentration, followed by symptoms on flowers as concentration increased. PCR testing identified both pathogens in field samples across Colombia. Analysis of B. glumae isolates found genetic diversity between locations and varieties. The disease has an effect on rice yields where present.
The document proposes changes to the EAGLE scoring system for rural banks in the Philippines. It suggests increasing the minimum capital adequacy ratio requirement from 3.0 to 3.5. It also proposes changes to indicators for efficiency, growth, earnings, and increasing the minimum number of active borrowers required for mature rural banks from 1,000 to 2,000. The changes aim to update the scoring system due to industry changes like more players and competition in microfinance over the past 5 years.
Modelo De Auto Avaliação Das Bibliotecas Escolares Metodologias De Operaci...Celia Ganhao
Este documento compara os indicadores do Modelo de Autoavaliação das Bibliotecas Escolares com os tópicos em análise da avaliação externa das escolas realizada pelo IGE. Apresenta um quadro de cruzamento de dados que relaciona os campos e dimensões avaliadas pelo IGE com os indicadores do modelo de autoavaliação.
Panicle bacterial blight, caused by Burkholderia glumae and Burkholderia gladioli, is widely distributed in Colombia. B. glumae is more aggressive and causes grain discoloration and infertility. Studies in greenhouse conditions showed an epiphytic phase with low bacteria concentration, followed by symptoms on flowers as concentration increased. PCR testing identified both pathogens in field samples across Colombia. Analysis of B. glumae isolates found genetic diversity between locations and varieties. The disease has an effect on rice yields where present.
Green Bank Experience - Group and Individual Liability Micro-LendingMABSIV
This document discusses Green Bank's experience transitioning from group micro-lending to a combination of group and individual micro-lending. It outlines how Green Bank communicated the transition to staff through training and meetings, and to clients by explaining it was a reward for good repayment performance. The transition involved transferring group contractual savings to individual savings and using cash flow analysis for subsequent loans. The impact was increased personal savings and center memberships, but reduced client solidarity.
The document provides an introduction and brief history of supersymmetry (SUSY). It discusses two approaches to constructing SUSY theories: (1) the component field formulation, which involves writing the most general SUSY transformations and invariant actions for chosen fields, and (2) the superspace formulation, which extends spacetime to include anticommuting fermionic coordinates. It then outlines N=1 and N=2 SUSY in one dimension as a simple example.
Programa de mejoramiento Fedearroz FNA situacion actual y perspectivasCIAT
Este documento resume la situación actual y perspectivas del programa de mejoramiento genético de arroz de Fedearroz. Describe las principales zonas arroceras de Colombia, los rendimientos y parámetros climáticos de cada zona, y las enfermedades más comunes. También resume la estrategia de mejoramiento a través de ambientes, los centros de investigación, y logros recientes como el desarrollo de 20 nuevas variedades en los últimos 15 años.
The document summarizes key findings from an IBM study on Chief Marketing Officers. It finds that Benelux CMOs feel more prepared than global peers but underprepared in data handling, social media, and customer alignment. CMOs are also shifting focus to technologies like social media and analytics. By 2015, CMOs expect Net Promoter Score and ROI to be top measures of marketing success.
A entrevista discute animais perigosos com uma estagiária de um zoo. Ela afirma que todos os animais podem ser perigosos se invadidos, e que espécies como hipopótamos, leões e caimões são os mais perigosos no zoo. No entanto, ela acredita que os seres humanos são na verdade os maiores perigos para os animais ao invadir seus habitats.
Developing Marketing and Managing Microinsurance 2MABSIV
The document discusses developing, marketing, and managing micro-insurance products and partnerships. It describes different types of insurance providers and intermediaries that can be involved. The intermediary model is explained where an intermediary like MicroEnsure negotiates with insurance companies on behalf of clients. Important factors for establishing partnerships with micro-insurance providers are discussed, like product development, transaction costs, administration, and staff training. Innovations in insurance product design and marketing to the poor are also covered.
BSP Circular no. 678 outlines rules and regulations for banks to offer housing microfinance. It establishes (1) minimum criteria for banks to ensure capacity and technical capability, (2) basic housing microfinance product characteristics, (3) appropriate risk management systems, and (4) application procedures for product approval. Key requirements for banks include a track record offering microfinance, a housing microfinance product manual, and capital adequacy ratio of at least 12%. Basic product loans can be up to P300K with terms of 5-15 years, using secure tenure instruments like usufruct or lease as collateral valued at 70-90% of appraised value.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
The presentation provided an overview of social media and how organizations can use different social media platforms like Facebook, Twitter, LinkedIn, and Pinterest to connect with members and share information. It discussed the types of social media and common tools, and provided tips on how to get started using social media to build relationships and promote an organization.
Home health care provides health services in a patient's home as an alternative to care in hospitals or nursing facilities. It includes skilled nursing care, therapies, and assistance with daily tasks. A home health agency coordinates the services ordered by a doctor, such as wound care, therapy, education, or help with daily living activities. The agency employs registered nurses, licensed practical nurses, nursing assistants, physical therapists, speech therapists, and others to deliver high quality home-based care.
TaintDroid is a system that provides dynamic taint tracking and analysis for Android. It tracks privacy sensitive information like location, contacts etc. at variable, message, method and file levels with 14% overhead. Testing 30 apps found 20 shared information unexpectedly, like sending device IDs or location to ad servers. TaintDroid effectively demonstrates the need for stronger mobile privacy but has limitations like requiring OS modifications and false positives. Future work aims to reduce false positives, integrate crowdsourcing and detect privacy information leakage attempts.
Changing to compact fluorescent light bulbs, which use 50-75% less energy and last 10 times longer, is one of the most effective ways to save on the electric bill according to the document. In addition to switching light bulbs, washing full loads of clothes and dishes, keeping appliances clean like dryer vents, and air drying dishes can help reduce energy usage. Lowering the water heater temperature and using low-flow fixtures can also cut the heating water bill, which accounts for 13% of energy costs.
The document describes plans for Echelon 2012, which will be held from June 11-12. Echelon is an annual tech conference and startup exhibition organized by e27 that aims to connect the Asian startup ecosystem. In 2011, Echelon had over 1000 attendees and 40 speakers from over 15 countries. Echelon 2012 plans to expand its reach across Asia and focus on making the startup scene "awesomer" through topics like design and gamification. It will continue hosting satellite events and a startup exhibition for early-stage companies to showcase their products.
Woonconferentie Delft: Jan van der Mast over Familie van Marken Stipo
Presentatie Jan van der Mast, over de Gist, Olie en Lijmfabriek, de familie van Marken en het Agneta park in Delft.
Woonconferentie Delft 24 oktober 2016
The document discusses the importance of designing cities at the human scale from a people-centered approach. It advocates for architecture focused on the street level public realm and shared responsibility between various stakeholders to improve urban spaces. The organization behind the document collaborates with partners around the world to share open-source knowledge and best practices for creating more livable cities through action in real-world projects.
Green Bank Experience - Group and Individual Liability Micro-LendingMABSIV
This document discusses Green Bank's experience transitioning from group micro-lending to a combination of group and individual micro-lending. It outlines how Green Bank communicated the transition to staff through training and meetings, and to clients by explaining it was a reward for good repayment performance. The transition involved transferring group contractual savings to individual savings and using cash flow analysis for subsequent loans. The impact was increased personal savings and center memberships, but reduced client solidarity.
The document provides an introduction and brief history of supersymmetry (SUSY). It discusses two approaches to constructing SUSY theories: (1) the component field formulation, which involves writing the most general SUSY transformations and invariant actions for chosen fields, and (2) the superspace formulation, which extends spacetime to include anticommuting fermionic coordinates. It then outlines N=1 and N=2 SUSY in one dimension as a simple example.
Programa de mejoramiento Fedearroz FNA situacion actual y perspectivasCIAT
Este documento resume la situación actual y perspectivas del programa de mejoramiento genético de arroz de Fedearroz. Describe las principales zonas arroceras de Colombia, los rendimientos y parámetros climáticos de cada zona, y las enfermedades más comunes. También resume la estrategia de mejoramiento a través de ambientes, los centros de investigación, y logros recientes como el desarrollo de 20 nuevas variedades en los últimos 15 años.
The document summarizes key findings from an IBM study on Chief Marketing Officers. It finds that Benelux CMOs feel more prepared than global peers but underprepared in data handling, social media, and customer alignment. CMOs are also shifting focus to technologies like social media and analytics. By 2015, CMOs expect Net Promoter Score and ROI to be top measures of marketing success.
A entrevista discute animais perigosos com uma estagiária de um zoo. Ela afirma que todos os animais podem ser perigosos se invadidos, e que espécies como hipopótamos, leões e caimões são os mais perigosos no zoo. No entanto, ela acredita que os seres humanos são na verdade os maiores perigos para os animais ao invadir seus habitats.
Developing Marketing and Managing Microinsurance 2MABSIV
The document discusses developing, marketing, and managing micro-insurance products and partnerships. It describes different types of insurance providers and intermediaries that can be involved. The intermediary model is explained where an intermediary like MicroEnsure negotiates with insurance companies on behalf of clients. Important factors for establishing partnerships with micro-insurance providers are discussed, like product development, transaction costs, administration, and staff training. Innovations in insurance product design and marketing to the poor are also covered.
BSP Circular no. 678 outlines rules and regulations for banks to offer housing microfinance. It establishes (1) minimum criteria for banks to ensure capacity and technical capability, (2) basic housing microfinance product characteristics, (3) appropriate risk management systems, and (4) application procedures for product approval. Key requirements for banks include a track record offering microfinance, a housing microfinance product manual, and capital adequacy ratio of at least 12%. Basic product loans can be up to P300K with terms of 5-15 years, using secure tenure instruments like usufruct or lease as collateral valued at 70-90% of appraised value.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
The presentation provided an overview of social media and how organizations can use different social media platforms like Facebook, Twitter, LinkedIn, and Pinterest to connect with members and share information. It discussed the types of social media and common tools, and provided tips on how to get started using social media to build relationships and promote an organization.
Home health care provides health services in a patient's home as an alternative to care in hospitals or nursing facilities. It includes skilled nursing care, therapies, and assistance with daily tasks. A home health agency coordinates the services ordered by a doctor, such as wound care, therapy, education, or help with daily living activities. The agency employs registered nurses, licensed practical nurses, nursing assistants, physical therapists, speech therapists, and others to deliver high quality home-based care.
TaintDroid is a system that provides dynamic taint tracking and analysis for Android. It tracks privacy sensitive information like location, contacts etc. at variable, message, method and file levels with 14% overhead. Testing 30 apps found 20 shared information unexpectedly, like sending device IDs or location to ad servers. TaintDroid effectively demonstrates the need for stronger mobile privacy but has limitations like requiring OS modifications and false positives. Future work aims to reduce false positives, integrate crowdsourcing and detect privacy information leakage attempts.
Changing to compact fluorescent light bulbs, which use 50-75% less energy and last 10 times longer, is one of the most effective ways to save on the electric bill according to the document. In addition to switching light bulbs, washing full loads of clothes and dishes, keeping appliances clean like dryer vents, and air drying dishes can help reduce energy usage. Lowering the water heater temperature and using low-flow fixtures can also cut the heating water bill, which accounts for 13% of energy costs.
The document describes plans for Echelon 2012, which will be held from June 11-12. Echelon is an annual tech conference and startup exhibition organized by e27 that aims to connect the Asian startup ecosystem. In 2011, Echelon had over 1000 attendees and 40 speakers from over 15 countries. Echelon 2012 plans to expand its reach across Asia and focus on making the startup scene "awesomer" through topics like design and gamification. It will continue hosting satellite events and a startup exhibition for early-stage companies to showcase their products.
Woonconferentie Delft: Jan van der Mast over Familie van Marken Stipo
Presentatie Jan van der Mast, over de Gist, Olie en Lijmfabriek, de familie van Marken en het Agneta park in Delft.
Woonconferentie Delft 24 oktober 2016
The document discusses the importance of designing cities at the human scale from a people-centered approach. It advocates for architecture focused on the street level public realm and shared responsibility between various stakeholders to improve urban spaces. The organization behind the document collaborates with partners around the world to share open-source knowledge and best practices for creating more livable cities through action in real-world projects.
Informele zorg en hulp organiseren in de wijk met online deelplatformen. Kansen voor online delen in het versterken van de zelfredzaamheid van bewoners en de veerkracht van wijken.
Met casestudies van Thuisafgehaald, NLvoorelkaar en Peerby.
Onderzoek door Minouche Besters en Sander van der Ham van Stipo. Mede mogelijk gemaakt door bijdrage van het VSB fonds en stichting DOEN.
2016 05 city at eye level - delft placemakingStipo
This document discusses placemaking strategies and examples from around the world. It describes placemaking approaches used in Amsterdam, Rotterdam, and other cities. These include creating public spaces at a human scale with a people-centered approach. The document also outlines placemaking methods, lessons learned from case studies, and upcoming events on the topics of placemaking and the city at eye level.
De Ideeënfabriek - vier inspirerende voorbeelden uit de stad - 8 juli 2015Stipo
Presentaties van vier inspirerende ideeën pitchers tijdens een creatieve sessie over Haags gevoel bij aankomst in de stad georganiseerd door de Gemeente Den Haag in samenwerking met Stipo. Woensdag 8 juli '15 in de Rode Olifant
Centrale thema: Hoe maken we het feit dat Den Haag dé internationale stad van Vrede en Recht is, met een prachtige ligging aan de kust, het beste voelbaar bij de belangrijkste aankomstplekken van de stad?
re:Kreators is a European platform for city makers and public developers. Key partners are Holzmarkt Berlin, KÉK Budapest, ZOHO Rotterdam, Make a Point Bucharest, Shuffle London, Darwin Bordeaux, PB34 Copenhagen and Pakhuis de Zwijger Amsterdam. This brochure describes the new type of civic lead urban development of these re:Kreators.
1. We believe in a way of living in the city that is interesting, affordable and just. We create thoughtful places with care. We create values: money, social, welfare and artistic.
2. We generate diverse ownership - mentally, emotionally and legally; diverse groups feel at home in and feel ownership over our places.
3. We Create places that lift everyone’s spirits, and drive people beyond what they would normally come across. Our places are open, inclusive and brilliant.
4. We Look for true change. We are not interested in just pop-up, get people’s hopes up and leave. We use the existing energy, build on existing quality, structures and re:kreate by smooth transition.
5. We take a step beyond bottom-up or top-down: we build partnerships between these worlds.
https://citiesintransition.eu/transition/rekreators
2015 06 The City at Eye Level, Stipo, Future of Places StockholmStipo
This document discusses strategies for improving city street plinths and public spaces. It proposes that true sustainability involves creating an adaptable and mixed city that is loved and owned by the public. The document outlines criteria for successful street plinths and public spaces based on input from over 90 international co-authors. It emphasizes the importance of pedestrian experience, placemaking, flexibility and a long term strategic vision to create vibrant public realms. International case studies and lessons learned are shared to help cities develop strategies to improve street plinths and public spaces.
Informele zorg in de buurt. Andere partners, Nieuwe samenwerkingenStipo
Wie zijn de nieuwe spelers in de wijk die zich opeens ook met zorg en welzijn gaan bezig houden: buurtinitiatieven van bewoners, wijkbedrijven, sportclubs. En welke plek ga jij in nemen als zorgorganisatie? Doe je met hen mee of kijk je van een afstandje toe? Hoe stap je mee in die we-doen-het-zelf zorgactiviteiten in de wijk.
Presentatie voor bestuurders in zorg -en welzijnsinstellingen.
24 april 2015
2012 06 stipo broedplaatsen - de ketenbroedplaats voor haarlemStipo
Presentatie in Haarlem over creatieve waardeketens als basis voor een nieuw type broedplaatsen. Gebaseerd op het advies aan Amsterdam.
Presentation in Haarlem, The Netherlands about creative valuechains as fundament for a new type of creative hotspots. Based on the advice of Stipo for the City of Amsterdam.
NL: www.stipo.nl
ENG: www.stipo.info