Miracle-dz/UniFAR-FTUs huggingface dataset:
An automated credit intelligence learning system

To accelerate the financial service, microfinance need a tool and technology to provide an automated dynamic credit decision which provides an accountable and efficient system. Taking case on loan disbursement in the micro-business sector, this study presents a vary comprehensive innovation, namely Credit Intelligence Learning System (ACILES) which consist of dynamic credit scoring (CS) and optimal dynamic credit pricing: derived from tenor, rate, installment, and plafond (TRIP). While credit pricing is obtained by the profit based pricing and simulation process, the credit scoring is developed by modeling not only the borrowers data profile but also psychometric analysis of both borrower and surveyor’s perception via Item Response model which combined with Multivariate Adaptive Regression Splines (MARS) model and Structural Equation Modeling (SEM), respectively. Based on our experiment, it can be seen clearly that ACILES can be implemented in order to augment microfinance
Skill Mismatch, Job Polarization and the Great Recession∗ [1st DRAFT: PRELIMINARY AND INCOMPLETE]

Job Polarization and the Great Recession have reshaped the occupational structure of the U.S. labor market. This paper investigates if this shift has determined bigger education-to-job mismatch and a rise of skill requirements across occupations in the post-recession era. Using data from CPS, I find that higher state-level polarization over the recession led to stronger downward mismatch during the recovery: (i) high-skilled workers downgraded to routine jobs; (ii) middle-skilled workers moved out of the labor force or downgraded to manual jobs; (iii) low-skilled quitted the market. Overall, job-skill requirements increased across occupations. Downward mismatch gave rise to a wage penalty, that could be partially attenuated by experience. Finally, I reconcile these results in a theoretical model of labor search and matching with skill-mismatch and skill-biased technological change. ∗I thank Zsofia Barany, Tito Boeri, Sergei Guriev, Florian Oswald, Etienne Wasmer and participants at the Phd seminars at Sciences Po. for helpful advices and comments; I acknowledge also Richard Blundell, Lorenzo Cappellari, Ken Mayhew and participants at IZA/CEDEFOP conference in Greece. All errors remain mine. †Department of Economics, Sciences Po. , riccardo.zago@sciencespo.fr 1
How design can contribute to people’s subjective well-being

People love when services or products can give them a pleasurable user experience, a great feeling or simply enjoyment. In a broader sense, all people want to be happy, and live a life with great quality. In the present paper, research within the field of positive psychology and positive design are reviewed. It addresses the aspects of happiness, flow, subjective well-being and experiences, and the corresponding design principles of experience design, emotional design, service design and a positive design framework. An illustrative case is presented to show how service design together with a positive design framework can be used as a tool to improve the school health service, which ultimately contributes to a proactive mental health among youth. The purpose of the paper has been to discover what the elements of happiness are, why it is important to design for happiness, and how we can design for happiness and meaningful experiences. It was found that happiness depends on genetic factors, voluntary control and circumstances. People are able to enhance their happiness by behavioral change. Design can therefore contribute to a happier life by inspiring and engaging people in activities that will make them happier. The positive design framework states that this can be done by designing for pleasure, virtue and personal significance. A few reflections upon ethical issues related to positive design are briefly discussed, and finally some further research suggestions are given.
The Mathematical Beliefs and Practice of Primary Teachers and Factors that Limit Belief-Practice Consistency

Like many mathematics curricula, the Maldives mathematics curriculum encourages constructivist approaches to teaching and learning. Research indicates that teachers’ mathematical beliefs can be a major challenge in implementing the curriculum. This article describes a multiple case study into urban and rural Maldivian primary teachers’ mathematical beliefs and instructional practice. Survey, interview, and observational data from eight teachers across four schools were analysed. Findings show that teachers’ instruction was more traditional than their beliefs and those assessment methods strongly influenced teacher practice. Parental pressure, the nature of textbooks, time limitations, teacher accountability for their students’ performance in tests, and teaching and learning resources were also found to influence and constrain practice. Implications for curriculum implementation and improving practice include the need to align elements of the system (in particular, assessment policy and practice and teaching resources) with constructivist approaches.
Phytoremediation of Pb Spiked Soils Amended with Iron Impregnated Rice Husk Ash Using Ricinus communis L. (Castor bean)

Article history Received: 16 October 2019 Accepted: 31 October 2019 Published Online: 31 December 2019 Heavy metals pose a serious risk to the environment and living biota. Pot studies were carried out to determine the competence of Fe-coated rice husk in Pb spiked soils vegetated with Ricinus communis. Physicochemical properties of Fecoated rice husk ash (Fe-RHA) were characterized on dry weight basis. Pot experiments were carried out with seedlings of R.communis for 60 days amended with Fe-RHA (0, 2.5% and 5% w/w) and Pb(NO3) [0, 400 and 800 mg kg]. Addition of Fe-coated rice husk ash to Pb cntaminated soils improved soil pH and fertility. Treatment with 5% Fe-RHA decreased Pb accumulation in roots by 84%. Addition of FeRHA significantly (p<0.05) increased plant physiological parameters such as height, leaf diameter, nodes, and leaf number by 64%, 49%, 62% and 66% and chlorophyll contents (12–29%) compared to unamended plants. Our findings conclude that Fe-RHA is a low-cost, environmentally friendly and efficient adsorbent for stabilization of Pb spiked soils.
Low-power Telemetry for Lightweight Position Sensors

This paper describes a solar powered, telemetryenabled tracking sensor and outlines the design, development and testing associated with the hardware, software and the corresponding base station. The telemetry system utilises New Zealand’s General User 868MHz SRD/ISM frequency band and provides configurable wireless connection for data retrieval. We have achieved data transmission out to a range of 2.4km line of sight. Permanent position monitoring has been achieved, with positions recorded every ~30 minutes.
Time-Dependent miRNA Profile in the Mouse Kidney during LPS Preconditioning

(1) Background: Pre-treatment with lipopolysaccharide (LPS) protected the kidney against a later lethal ischemia. To reveal the mechanisms of renal cross-tolerance and septic acute kidney injury we investigated the effects of LPS on miRNA expression in the kidney. (2) Methods: Male NMRI mice were injected with 40 and 10 mg/kg LPS ip. and sacrificed at 1.5 and 6 hours (early preconditioning, EP) and at 24 and 48 hours (late preconditioning, LP). The miRNA profile was established using miRCURY LNATM microarray and confirmed with qPCR. (3) Results: Plasma urea concentration peaked at 24 hours after LPS and decreased thereafter. Renal TNF-α and IL-6 mRNA were extremely elevated at all time-points. miRNome changes were mild at 1.5 hours, most miRNAs were altered at 6 and 24 hours and declined by 48 hours. Not all miRNAs could be assayed or validated by qPCR. In EP miR-762 was newly identified and validated and was the most elevated miRNA with both methods. In LP miR-21a-5p was the most influenced miRNA followed by miR451a, miR-144-3p and miR-146a-5p. MiR-21a-3p increased significantly in both EP and LP. (4) Conclusion: miR-762 might attenuate the LPS-induced immune response during EP and the miR144/451 cluster is involved in LPS-induced renal preconditioning.
Paternal Migration and Educational Attainment in Rural Mexico

We examine the impact of international migration on educational attainment of migrants’ children in rural communities using data from Mexican Migration Project (MMP143), with historical migration pattern and unemployment in popular destination as instruments. We find that if the father in a household has been a migrant worker, schooling of his children will be 1.3 years lower. This effect mostly comes from boys and older children, is smaller if parents have completed more years of education and/or migrated earlier in children’s life. Our results provide support for two of the possible channels mentioned in the literature where migration could have reduced schooling: the brain drain channel and the family separation channel. JEL Classifications: O15, I25, F22
Finding a Final Common Path for the Gene Trees and Species Trees Congruence

It is generally believed that since the traits and characteristics exhibited by most organisms are a result of their genetic composition, then all gene trees must be the same as the containing species tree. While both trees appear to present dissimilar results or topologies, even between closely related species, the question most phylogeneticists have been asking is what could be responsible for the lack of congruence between them. Past and recent studies have shown that gene duplication, horizontal transfer and incomplete lineage and/or deep coalescence are factors that play a major role in topological disparity. All these factors can be linked to the fluid nature of genes. To address this issue, phylogeneticists have resorted to building models that can account for gene duplication, horizontal transfer, and incomplete lineage sorting. However, as good as some of these models are, results have shown that the discord between gene and species trees cannot be fully accounted for. In this paper, we describe the factors responsible for species/gene trees disparity and some of the different model approaches that have been proposed to solve them. *Corresponding author: Tomilowo Abijo, Department of Anatomy, College of Medicine, Howard University, 520 W Street NW Washington DC 20059, Tel: 2407149226; E-mail: tomilowo.abijo@Howard.edu Received March 12, 2019; Accepted March 30, 2019; Published April 05, 2019 Citation: Abijo T, Ossai C, Bello O, Oluwasanmi OL (2019) Finding a Final Common Path for the Gene Trees and Species Trees Congruence. J Phylogenetics Evol Biol 7: 210. Copyright: © 2019 Abijo T, et al. This is an open-access article distributed under the terms of the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original author and source are credited.
Evaluation of Antimicrobial Activity and Antioxidant Activity by Electrochemical Method of Ethanolic Extract of Pterocarpus marsupiumRoxb Bark

The antimicrobial potential of the ethanolic extract of Pterocarpus marsupium Roxb stem bark has been evaluated against some micro organisms like Bacillus polymyxa, Vibrio cholera and Candida albicans. Results indicated that the phytochemical extracts of P. marsupium exhibited significant activity at different varying dosages. However, the present study depicts that the ethanolic extract of Pterocarpus marsupium bark can be used as a potential source of novel antimicrobial agents. The reducing ability of the ethanol extract was determined by cyclic voltammetry. The low anodic current and low anodic peak potential imply the good reducing ability of the molecules resulting in good antioxidant activity of the extract.
Implementing Inductive bias for different navigation tasks through diverse RNN attrractors

Navigation is crucial for animal behavior and is assumed to require an internal representation of the external environment, termed a cognitive map. The precise form of this representation is often considered to be a metric representation of space. An internal representation, however, is judged by its contribution to performance on a given task, and may thus vary between different types of navigation tasks. Here we train a recurrent neural network that controls an agent performing several navigation tasks in a simple environment. To focus on internal representations, we split learning into a task-agnostic pre-training stage that modifies internal connectivity and a task-specific Q learning stage that controls the network's output. We show that pre-training shapes the attractor landscape of the networks, leading to either a continuous attractor, discrete attractors or a disordered state. These structures induce bias onto the Q-Learning phase, leading to a performance pattern across the tasks corresponding to metric and topological regularities. By combining two types of networks in a modular structure, we could get better performance for both regularities. Our results show that, in recurrent networks, inductive bias takes the form of attractor landscapes -- which can be shaped by pre-training and analyzed using dynamical systems methods. Furthermore, we demonstrate that non-metric representations are useful for navigation tasks, and their combination with metric representation leads to flexibile multiple-task learning.
A Study of Various Methods for Detection and Analysis of EMG Signal and Its Application

Electromyography signal is most important signal for analysis of any muscle and can be used for biomedical applications. The techniques of EMG signal analysis such as Surface Electromyography Signal Processing, Wavelet transforms, Independent Component Analysis (ICA)is discussed in this paper in depth. This paper provides researchers a goodunderstanding of EMG signal and its analysis procedures. This knowledge will help to develop more flexibleand efficient applications.
Two Optimized General Methods for Inverse Kinematics of 6R Robots Based on Machine Learning

For the 6R robot, there is no analytical solution for some configurations, so it is necessary to analyse inverse kinematics (IK) by the general solution method, which cannot achieve high precision and high speed as the analytical solution. With the expansion of application fields and the complexity of application scenarios, some robots with special configuration have become the research hotspot, and more high-speed and high-precision general algorithms are still being explored and studied. The present paper optimized two general solutions. Elimination is a numerical solution, which has high accuracy, but the solution process is complex and time-consuming. The present paper optimized the elimination method, derived the final matrix expression directly through complex coefficient extraction and simplifying operation, and realized one-step solution. The solving speed was reduced to 15% of the original, and the integrity of the method was supplemented. This paper proposed a new optimization method for the Gaussian damped least-squares method, in which the variable step-size coefficient is introduced and the machine learning method is used for the research. It was proved that, on the basis of guaranteeing the stability of motion, the average number of iterations can be effectively reduced and was only 4-5 times, effectively improving the solving speed.
Dead Weight Force Machines Comparison within the Interamerican Metrology System (SIM), up to 150 kN

A force comparison was carried out within the Interamerican Metrology System (SIM), in order to estimate the level of agreement for the realisation of the quantity, and the uncertainty associated to its measurement. The comparison participants were the National Metrology Institutes (NMI ́s) from SIM with dead weight machines: United States of America, Brazil and Mexico. The comparison was carried out up to 150 kN, using a load cell as the standard, having 1· 10 relative repeatability. The “Centro Nacional de Metrología” (CENAM), in Mexico, was the co-ordinator and pilot laboratory. The results obtained, deviations graph including the uncertainty for each participant laboratory are presented in this document.
Interface Control Domain Decomposition (ICDD) Methods for Heterogeneous Problems

Laboratori de Càlcul Numèric (LaCàN), Departament de Matemàtica Aplicada III (MA3), Universitat Politècnica de Catalunya (UPC BarcelonaTech), Campus Nord UPC C2, E-08034 Barcelona, Spain. 2 DICATAM, Università degli Studi di Brescia, via Branze 38, I-25123 Brescia, Italy. 3 Chair of Modelling and Scientific Computing, CMCS-MATHICSE, Ecole Polytechnique Fédérale de Lausanne, Station 8, CH-1015 Lausanne, Switzerland and MOX, Politecnico di Milano, P.zza Leonardo da Vinci 32, I-20133 Milano, Italy (on leave)
Slot Clock Recovery in Optical PPM , Communication Systems with Avalanche Photodiode Photodetectors *

Slot timing recovery in a direct detection optical PPM communication system can be achieved by processing the photodetector output waveform with a nonlinear device whose output forms the input to a phase lock loop. The choice of a simple transition detector as the nonlinearity is shown to give satisfactory synchronization performance. The rms phase error of the recovered slot clock and the effect of slot timing jitter on the bit error probability were directly measured. The experimental system consisted of an AlGaPFs laser diode (X=834 nm) and a silicon avalanche photodiode (MD) photodetector and used Q=4 PPM signaling operated at a source data rate of 25 megabits/second. The mathematical model developed t o characterize system performance is shown to be in good agreement with the actual performance measurements. The use of the recovered slot clock in the receiver resulted no degradation in receiver sensitivity compared to a system with perfect slot timing. The system achieved a bit error probability of at received signal energies corresponding to an average of less than 60 detected photons per information bit. * Work supported by the National Aeronautics and Space Administration
Genetic Characterization of Walnut (Juglans regia L.) by Random Amplified Polymorphic DNA

Walnut germplasm accessions representing exotic and indigenous collections, from walnut orchards of University of Horticulture and Forestry, Nauni, Himachal Pradesh, India, were used in the present investigations. A total of seven exotic and eight indigenous accessions were evaluated for randomly amplified polymorphic DNA (RAPD) variations. 21 primers out of total 36 decamerous primers generated 190 bands, out of which 157 showed polymorphism on the agarose gel, reflecting a high level of genetic diversity within the germplasms. Pairwise distances, calculated using Jaccard’s coefficient of similarity, clustered indigenous and exotic accessions into separate groups except for one accession ‘Blackmore’ which, although exotic, was placed in a cluster of predominantly indigenous accessions. The clustering based on RAPD markers agreed to large extent with the geographical origin of the studied walnut germplasm accessions. _____________________________________________________________________________________________________________
The Effect of Thickness on the Properties of Laser-Deposited NiBSi-WC Coating on a Cu-Cr-Zr Substrate

Ni/60WC coatings on copper substrate were placed via laser deposition (LD). A structural study was conducted using electron microscopy and a microhardness evaluation. Two body abrasive wear tests were conducted with a pin-on-plate reciprocating technique. A tool steel X12MF GOST 5960 (C-Cr-Mo-V 1.6-12-0.5-0.2) with a hardness of 63 HRC was used as a counterpart. The following results were obtained: Precipitation of the secondary carbides takes place in the thicker layers. Their hardness is lower than that of the primary carbides in the deposition (2425 HV vs. 2757 HV) because they mix with the matrix material. In the thin layers, precipitation is restricted due to a higher cooling rate. For both LD coatings, the carbide’s hardness increases compared to the initial mono-tungsten carbide (WC)-containing powder (2756 HV vs. 2200 HV). Such a high level of microhardness reflects the combined influence of a low level of thermal destruction of carbides during laser deposition and the formation of a boride-strengthening phase from the matrix powder. The thicker layer showed a higher wear resistance; weight loss was 20% lower. The changes in the thickness of the laser deposited Ni-WC coating altered its structure and wear resistance.
Towards high-performance differentiation between Narcolepsy and Idiopathic Hypersomnia in 10 minute EEG recordings using a Novel Machine Learning Approach

While time and cost intensive tests are the current standard for diagnosing and classifying sleep disorders, we present results of using ten minute electroencephalographic recordings to differentiate between narcolepsy and idiopathic hypersomnia. Using a novel and fast machine learning approach, we reach an accuracy of almost 75 percent and moreover we show that there are systematic differences in the delta and beta-1 frequencies. For personalized treatments, it is important to differentiate between sleep disorders as they not only have side effects, but are also not equally effective for each respective sleep disorder.
Asymptotic Distributions for Tests of Portfolio Efficiency and Factor Model Comparisons with Conditioning Information

Junbo L. Wang Louisiana State University January 14, 2019 PRELIMINARY Abstract We provide asymptotic distributions for tests of asset pricing models and factor model comparisons with conditioning information in the form of lagged instruments, including closed-form asymptotic variance estimators for squared Sharpe ratios and their normalized differences. We provide results for both traded and non-traded factor models. We evaluate the asymptotic standard errors with simulations and provide applications to asset pricing model tests and factor model comparisons. We find that the incremental performance of the FF5 model over the FF3 and the CAPM is greater when dynamic trading is allowed. A dynamic consumption hedging portfolio contributes to the performance of most of the models, as does a dynamic liquidity hedging factor.
Nanococktail Based on AIEgens and Semiconducting Polymers: A Single Laser Excited Image-Guided Dual Photothermal Therapy

Semiconducting polymers (SPs)-based dual photothermal therapy (PTT) obtained better therapeutic effect than single PTT due to its higher photothermal conversion efficiency. However, most dual PTT need to use two lasers for heat generation, which brings about inconvenience and limitation to the experimental operations. Herein, we report the development of “nanococktail” nanomaterials (DTPR) with 808 nm-activated image-guided dual photothermal properties for optimized cancer therapy. Methods: In this work, we co-encapsulated AIEgens (TPA-BDTO, T) and SPs (PDPPP, P) by using maleimide terminated amphiphilic polymer (DSPE-PEG2000-Mal, D), then further conjugated the targeting ligands (RGD, R) through “click” reaction. Finally, such dual PTT nanococktail (termed as DTPR) was constructed. Results: Once DTPR upon irradiation with 808 nm laser, near-infrared fluorescence from T could be partially converted into thermal energy through fluorescence resonance energy transfer (FRET) between T and P, coupling with the original heat energy generated by the photothermal agent P itself, thus resulting in image-guided dual PTT. The photothermal conversion efficiency of DTPR reached 60.3% (dual PTT), much higher as compared to its inherent photothermal effect of only 31.5% (single PTT), which was further proved by the more severe photothermal ablation in vitro and in vivo upon 808 nm laser irradiation. Conclusion: Such smart “nanococktail” nanomaterials could be recognized as a promising photothermal nanotheranostics for image-guided cancer treatment.