A comparative analysis of microfinance and conditional cash transfers in Latin America

This paper addresses the question of whether microfinance and conditional cash transfers can be effective in alleviating poverty in the Latin American region, and provides a comprehensive assessment of each of these programmes using data and evaluation reports from 19 countries in the Latin American region, analysed in the context of six operational and impact criteria. The research shows that microfinance may be better suited for those living on US$2 per day or higher, while conditional cash transfers may be more beneficial for those living in extreme poverty. Neither programme offers a ‘magic bullet’ solution for poverty eradication, but they can provide positive outcomes when prescribed in combination.

Une analyse comparative du microfinancement et des transferts conditionnels d'argent en Amérique latine

Ce document se penche sur la question de savoir si le microfinancement et les transferts conditionnels d'argent peuvent être efficaces au moment d'atténuer la pauvreté et il fournit une évaluation complète de chaque programme, en utilisant des données et des rapports d'évaluation provenant de dix-neuf pays de la région, analysés dans le contexte de six critères opérationnels et relatifs à l'impact. D'après les résultats des recherches, il est possible que le microfinancement convienne mieux à ceux qui vivent avec 2 dollars EU par jour ou plus, tandis que les transferts conditionnels d'argent pourraient profiter davantage à ceux qui vivent dans des conditions de pauvreté extrême. Aucun de ces deux types de programmes ne fournit une solution « balle magique » pour l'éradication de la pauvreté, mais ils peuvent donner des résultats positifs lorsqu'ils sont prescrits en tandem.

Uma análise comparativa de microfinanças e transferências condicionais de dinheiro na América Latina

Este artigo busca examinar se as microfinanças e as transferências condicionais de dinheiro podem ser eficientes para aliviar a pobreza e oferece uma avaliação abrangente de cada programa utilizando dados e relatórios de avaliação de dezenove países da região, analisados no contexto de seis critérios operacionais e de impacto. A pesquisa mostra que a microfinança pode ser mais adequada para aqueles que vivem com US$2 por dia ou mais, enquanto que as transferências condicionais de dinheiro podem ser mais benéficas para aqueles que estão vivendo em condições de pobreza extrema. Nenhum programa oferece uma solução “mágica” para a erradicação da pobreza, mas eles podem oferecer resultados positivos quando prescritos em conjunto.

Un análisis comparativo de las microfinanzas y las transferencias de efectivo condicionadas en América Latina

Este ensayo analiza si las microfinanzas y las transferencias de efectivo condicionadas pueden contribuir a la reducción de la pobreza y ofrece una evaluación completa de las dos modalidades. Utiliza para ello datos e informes de evaluación de 19 países de la región y analiza los resultados a la luz de seis criterios operativos y de impacto. La investigación demostró que las microfinanzas pueden funcionar mejor para las personas que sobreviven con US$2 o más por día, mientras que las transferencias de efectivo pueden beneficiar más a las que viven en extrema pobreza. Ninguna modalidad es por sí misma una solución para erradicar la pobreza pero pueden producir resultados positivos si se les da un uso combinado.     

Population data for 16 Y-chromosome STRs in four populations from Pyrenees (Spain)

Population frequencies for the eight Y-STR loci included in the "minimal haplotype" from Y-STR Haplotype Reference Database (YHRD) plus other eight Y-STRs (DYS434, DYS435, DYS436, DYS437, DYS438, DYS439, GATA H4 and GATA A10) were obtained for a sample of 133 males from four main geographical areas in the Pyrenees (Spain): Vall D'Aran (Lérida), Cerdanya (Gerona), Alt Urgell (Lérida) and Jacetania (Huesca). Haplotype diversities were estimated in the four populations.     

The Impact of War on Calorie Food Demand in Bangladesh

Daily per capita calorie intake in Bangladesh averaged almost 2,100 (kilo)calories in the 1960s but fell to 1,840 in 1972 following the war of independence in 1971, and only by 1987 did it reach 2,000 again. This article examines the long-run relationship between per capita income, food prices and per capita calorie intake using aggregate data for Bangladesh for 1962–97 and the recent cointegration procedure of Johansen et al., which permits structural breaks. Results show that a long-run relationship exists and that the war reduced average calorie intake permanently by 10 per cent. Impulse responses show that income Granger-causes calorie intake but not vice versa.     

Solving underwater crimes: Development of latent prints made on submerged objects

Underwater crime scenes always present a challenge for forensic researchers, as the destructive effect of water considerably complicates the chances of recovering material of evidential value. The aim of this study is to tackle the problem of developing marks that have been left on submerged objects. Fingermark deposition was randomly made on two surfaces — glass and plastic whilst the material was submerged under tap water and then left for one to fifteen days before drying and development. For their later development, various reagents – Black Powder, Silver Metallic Powder, Fluorescent Powder, Sudan Black (powder and solution) and Small Particle Reagent – were used and the effectiveness of each of them on this particular type of evidence was then evaluated.The results show the possibility of obtaining good quality developed marks, even under such adverse circumstances. Further and wider research should, therefore, be undertaken in which other variables are introduced such as different substrates, other types of liquids, and environmental or time factors.     

Brand response analysis: a Peircean semiotic approach

The purpose of this article is to organise and simplify the concept of brand response. It is a development of the authors' semiotic approach to the concept of brand, which uses a triadic model based on the Peircean levels of analysis of the sign. The original model distinguishes three levels: identity, object and response. This article briefly describes the first two levels and goes into more depth with regard to brand response. From the theoretical point of view, the authors' approach inverts the survey method used to ascertain positioning, image and value of the brand. Firstly, brand response is associations occurring in the minds of the reporting agent. Associations create awareness, and not the other way round, which is the concept underlying the current theory of brand equity. From the point of view of practice, it is the authors' belief that the main contribution made by the triadic semiotic model applied to brand response is that of the importance of “firstness”, i.e. the most immediate response possible. It is with a concern for ease of application that this article hopes to contribute by making brand analysis and assessment more intelligible. This article should be seen as an exploration into the possibility of simplifying the analysis of brand response. Its originality lies in the effort to return to the very reason for the existence of branding. The authors are convinced that by choosing differentiation as the guiding principle of their approach they have valorised what is essential, which is sometimes lost in more complex modelling.     

Foreclosing on the American dream? The financial consequences of low-income homeownership

Federal programs have consistently encouraged ever-lower-income households to buy homes, despite concerns about the long-term sustainability and desirability of homeownership from the perspective of wealth-building, especially since the recent housing market collapse and the epidemic of mortgage foreclosures. We ask in this paper: can very low-income households build wealth through sustainable homeownership, with the aid of an innovative public program? We answer this question by examining 122 very low-income households who purchased their homes between 1996 and 2007 after completing an extensive asset-building and homeownership education/counseling program offered by the Housing Authority of the City and County of Denver (DHA), called HOP. We analyze our own longitudinal surveys and focus groups, as well as data compiled from administrative agency sources, real estate records, and longitudinal census data from the Neighborhood Change Database and the Piton Foundation's Neighborhood Facts Database. We find that homeownership attained through HOP typically did provide very low-income households with opportunities to build home equity (both absolutely and relative to generic homeowner cohorts in Denver) and net wealth, although this was contingent on time of purchase and ethnicity. Our multivariate analyses revealed that changes in annualized home equity appreciation were associated with the ethnic composition of the neighborhood and age of property. Annualized wealth accumulation was associated with annualized home equity appreciation, being married throughout the tenure of homeownership, and year of home purchase. HOP homebuyers received exceptionally favorable initial mortgage terms and conditions, often enhanced with down-payment assistance from their own DHA escrow account or from local housing and neighborhood development organizations, resulting in a dramatically low rate of default and foreclosure to date. Moreover, HOP homebuyers were not immune to financial stresses, and the continuing lack of wealth for many makes them vulnerable to future interruptions in primary wage earner's employment or health. We discuss the implications for low-income homeownership policy and argue that the goal of expanding homeownership opportunities should not be abandoned.     

Results of the 2003-2004 GEP-ISFG collaborative study on mitochondrial DNA: focus on the mtDNA profile of a mixed semen-saliva stain

We report here a review of the seventh mitochondrial DNA (mtDNA) exercise undertaken by the Spanish and Portuguese working group (GEP) of the International Society for Forensic Genetics (ISFG) corresponding to the period 2003-2004. Five reference bloodstains from five donors (M1-M5), a mixed stain of saliva and semen (M6), and a hair sample (M7) were submitted to each participating laboratory for nuclear DNA (nDNA; autosomal STR and Y-STR) and mtDNA analysis. Laboratories were asked to investigate the contributors of samples M6 and M7 among the reference donors (M1-M5). A total of 34 laboratories reported total or partial mtDNA sequence data from both, the reference bloodstains (M1-M5) and the hair sample (M7) concluding a match between mtDNA profiles of M5 and M7. Autosomal STR and Y-STR profiling was the preferred strategy to investigate the contributors of the semen/saliva mixture (M6). Nuclear DNA profiles were consistent with a mixture of saliva from the donor (female) of M4 and semen from donor M5, being the semen (XY) profile the dominant component of the mixture. Strikingly, and in contradiction to the nuclear DNA analysis, mtDNA sequencing results yield a more simple result: only the saliva contribution (M4) was detected, either after preferential lysis or after complete DNA digestion. Some labs provided with several explanations for this finding and carried out additional experiments to explain this apparent contradictory result. The results pointed to the existence of different relative amounts of nuclear and mtDNAs in saliva and semen. We conclude that this circumstance could strongly influence the interpretation of the mtDNA evidence in unbalanced mixtures and in consequence lead to false exclusions. During the GEP-ISFG annual conference a validation study was planned to progress in the interpretation of mtDNA from different mixtures.     

Genetic profile of the Madeira Archipelago population using the new PowerPlex16 System kit

Allele and haplotype frequencies of 17 chromosome STR loci, 15 of them included in the kit PowerPlex 16 System from Promega, were determined in a sample of unrelated males from Madeira and Porto Santo Islands. PowerPlex 16 includes STRs not studied before in the Madeira population. The-kit includes two new allele markers (Penta D and Penta E), which proved to be extremely useful for paternity testing (PD = 0.952 and 0.977, respectively). The study revealed that the Madeira population does not differ from that of the north Portugal. Nevertheless, some loci presented alleles found in sub-Saharan and North European populations which were not reported so far in Portugal.     

STR data for nine Y-chromosomal loci in Guinea Equatorial (central Africa)

Allele and haplotype frequencies for nine Y-specific STR loci (DYS19, DYS389-I, DYS389-II, DYS390, DYS391, DYS393, DYS434, DYS437, and DYS439) were obtained from a sample of 57 males from Guinea Equatorial.     

Genetic profile of the Açores Archipelago population using the new PowerPlex 16 system kit

Allele and haplotype frequencies of 16 chromosome STR loci, 15 of them included in the Kit PowerPlex16 System from Promega were determined in a sample of unrelated males from the A?ores Archipelago. All subjects were subjected to an interview in order to make sure that their ancestors belonged to the same island at least back to three generations. This way we intended to look for possible inter-islands differences. PowerPlex16 includes STRs not studied before in the A?ores population. The Kit includes two new allele markers (Penta D and Penta E), which proved to be extremely useful for paternity testing (PD=0.921 and 0.971, respectively). The study revealed that the A?ores population is considerable different from the previous studied Madeira population, but does not differ from that of the north Portugal. Nevertheless, some loci presented alleles not previously reported for Portugal.