Market for 33 percent interest loans: Financial inclusion and microfinance in India

ABSTRACT

Financial inclusion is the process of building viable institutions that provide financial services to those hitherto excluded. These may include savings, insurances, remittances, and credit. Microfinance became the most dominant method for achieving financial inclusion. However, different microfinance schools of thought recommend opposite ways for attaining financial integration. India is a particularly insightful case study due to the sheer number of people excluded from formal financial services, as well as the spectrum of actors and approaches. The aim of this article is threefold. The first aim is to define financial inclusion, depicting its status quo in India and comparing it to its South Asian and Brazil, Russia, India, China, and South Africa (BRICS) peers using recently released data from the Global Findex database. The second aim is to focus on microfinance as the dominant vehicle for achieving financial inclusion by scrutinizing its definitions, contrasting its two leading “schools of thought,” and analyzing the central role of its dominant group-based approach. The third aim of the article will examine why people opt to take micro-credit at 33 percent interest rates.     

The European parliament and the requirements of democratic government

This study ties into the debate about the effect of the EU on its member states. Most studies do not include non-EU cases in their investigations. Therefore, it is difficult to establish the (isolated) causal effect or relative importance of the EU. Moreover, studies with an exclusive focus on EU cases tend to be biased towards EU-level explanations, at the expense of domestic or global explanations. The article examines three strategies to demonstrate the causal importance of the EU. It points to the limits of process tracing and counterfactual reasoning and advocates the comparison of EU member states with non-members or, if research is restricted to EU countries, cases where the source of an EU effect is present with cases where the source is absent.     

The NucleoSpin DNA Clean-up XS kit for the concentration and purification of genomic DNA extracts: An alternative to microdialysis filtration

Traditionally, DNA extracts from biological evidence items have been concentrated and rinsed using microdialysis filtration units, including the Centricon^® and Microcon^® centrifugal filter devices. As an alternative to microdialysis filtration, we present an optimized method for using NucleoSpin^® XS silica columns to concentrate and clean-up aqueous extracts from the organic extraction of DNA from biological samples. The method can be used with standard organic extraction and dithiothreitol (DTT)-based differential extraction methods with no modifications to these methods prior to the concentration and clean-up step. Extracts from laboratory-prepared bloodstains, saliva and semen stains have been successfully amplified with both qPCR and STR assays. Finally, the total time to process a set of samples with the NucleoSpin^® XS column is approximately 30 min vs. approximately 1.5 h with the Centricon^® YM-100 filter device.     

Workplace drug testing in a military organization: Results and experiences from the testing program in the Finnish Defence Forces

In the military environment drug abuse is a particular risk for occupational safety. In the Finnish Defence Forces a drug testing program was conducted in 2002–2005; soldiers, professional civilians, and military students were tested when applying for a work or right to study; furthermore, annually 5% of the personnel were subjected to random testing. In total, over 2000 urine samples were analyzed in an accredited laboratory for cannabis, opiates, amphetamines, or cocaine. In this article, the drug testing program as a part of the anti-drug strategy of the Finnish Defence Forces is described, and the findings including practical experiences and financial expenses are reported. Only one person applying for a civilian post tested positive for amphetamine and cannabis. In seven other samples codeine and morphine were detected; these were, however, due to prescribed medication, not drug abuse. In the execution of the program, no particular difficulties were reported. In conclusion, it seems that the use of illicit drugs in the Finnish military is extremely rare, at least partly due to the successful anti-drug strategy. After an elaborate planning, even an extensive drug testing program can be executed without substantial setbacks. In the future, the effectiveness of drug testing programs as a means of improving occupational safety needs to be investigated in controlled studies using comparative design.     

Ausgewählte Rechtsfragen zur Vertretungsbefugnis nächster Angehöriger nach dem SWRÄG 2006

Mit dem am 1. 7. 2007 in Kraft getretenen Sachwalterrechts-?nderungsgesetz (SWR?G) 2006 wurden die §§ 284b bis 284e in das ABGB eingefügt und damit die Vertretungsbefugnis n?chster Angeh?riger geschaffen. Der Beitrag er?rtert einige dogmatisch interessante, zugleich aber auch praxisrelevante Fragen, die dieses vollkommen neuartige Rechtsinstitut aufwirft.     

To adapt or to defend? Comparing position shifts among Bundestag candidates between 2013 and 2017

In this research note, candidate survey data from the German Longitudinal Election Study (GLES) is used to analyse positional shifts of German Bundestag parties between 2013 and 2017. Two developments make Germany a particularly interesting case: (1) the liberal but also controversial policies of the Merkel cabinet during the European refugee crisis and (2) the change of leadership within the right-wing populist party Alternative für Deutschland (AfD). Applying scaling techniques to locate candidates of both elections in the same two-dimensional policy space, the analysis demonstrates that in 2017 the AfD took a distinct radical right position in the party system of Germany. Moreover, the study finds that almost all parties moved to the right on the cultural left–right dimension in 2017, whereas for the economic left–right dimension this has not been the case. Contrary to the mantra of an ideological delineation against right-wing populism, there has been a robust socio-political conservative shift in the German party system.     

Towards an Explanatory Taxonomy of Adolescent Delinquents: Identifying Several Social-Psychological Profiles

Taxonomic structure is examined in two large samples of delinquent youth in a domain of socio-psychological and personality factors. This paper offers a partial empirical test of the overlapping theoretical taxonomies of Moffitt (Pshycol Rev 100:674–701, 1993), Lykken (The antisocial personalities, 1995) and Mealey (1995). The first sample consisted of juvenile offenders (n = 1,572) from three state systems. Multiple cluster analysis methods were applied (Wards method, standard K-means, bootstrapped K-means and a semi-supervised pattern recognition technique). Core or exemplar cases were identified by means of a voting procedure. Seven clusters recurrently emerged across replications. While clear analogues of Moffitt’s two main categories were found, several additional stable subtypes emerged that were clearly reminiscent of Lykken’s sociopathic, neurotic-internalizing and “normal” types. However, boundaries between types were fuzzy and unstable, and many unclassified cases existed. Internal validation was assessed by cross-method verification. External validation assessed type differentiation on several delinquent behaviors. Finally, generalizability was assessed by repeating the clustering on a large replication sample (n = 1,453) from another state. Six of the seven initial types re-emerged.     

Das gefährdete, das gefährliche und das Risiko-Individuum

Der Beitrag zeigt auf, dass Individualisierung kein Phänomen ist, dass erst die gegenwärtige Soziologengeneration thematisiert. Vielmehr lässt sich die Beschäftigung mit der Individualisierung bis zu den Klassikern um die Jahrhundertwende zurückverfolgen. Dabei lassen sich drei Argumentationsstränge unterscheiden, die sich ausgehend von den Klassikern bis in die Gegenwart verfolgen lassen. Der erste Argumentationsstrang reicht von Max Weber über die Kritische Theorie bis Michel Foucault. Diese Richtung fasse ich unter dem Namennegative Individualisierung zusammen; das hier im Mittelpunkt stehende Individuum bezeichne ich alsgefährdetes Individuum. Einer dieser Argumentationslinie entgegengesetzte zweite Richtung bringe ich mit Emile Durkheim, Talcott Parsons und Niklas Luhmann in Verbindung. Diese zweite Richtung firmiert in meinem Beitrag alspositive Individualisierung, das von ihr behandelte Individuum bezeichne ich alsgefährliches Individuum. Zwischen diesen beiden Richtungen vermittelt gleichsam eine dritte Argumentationslinie, die sowohl Gefährdungen für das Individuum ausmacht und auf Belastungen verweist als auch Chancen und Möglichkeiten für die Individuen betont. Simmel, Elias und Beck stehen in meiner Argumentation für diese Richtung. Diese Linie wird unter dem Namenambivalente Individualisierung vorgestellt; das dort behandelte Individuum alsRisiko-Individuum bezeichnet. Der Beitrag schließt mit einigen Überlegungen zur zukünftigen Erforschung von Individualisierungsprozessen.     

Compassionate conservatives or conservative compassionates? US political parties and bilateral foreign assistance to Africa

Conventional wisdom about US foreign policy towards Africa contains two popular assumptions. First, Democrats are widely considered the party most inclined to care about Africa and the most willing to spend resources on assistance to the continent. Second, the end of the Cold War was widely thought to have led to a gradual disengagement of the US from Africa and reduced American attention toward the continent. This article analyses data on US foreign assistance flows from 1961?–?2000 and finds that neither of these assumptions is true. Rather, we find that the configuration of party control over Congress and the Presidency matters significantly, with aid to Africa substantially reduced when the two branches are in opposition.