microfinance, banking to the poor, is a recent global phenomenon introduced as a way for combating the poverty in the 1970’s. before that the poor were not allowed access to credit and loans due to the widespread belief that the poor could not repay loans. but microfinance movement with financial innovations reduced the costs and risks of lending to poor households, and presented as tool for re...

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1. There is inconsistent practice and some uncertainty on the terms “editing” and “imputation”. In this document we will refer to data editing as the procedure used to correct or reconcile contradictory information, whereas imputation is the procedure used to deal with missing data. The glossary of the United Nations Statistical and Economic Commission for Europe (UNECE) states that data editin...

in recent years, the high level of consumption in iranian society has provoked wide social and political debates. nevertheless, there have been few systematic social studies to examine social and individual factors that influence consumption values and behaviors. this paper examines social determinants of consumption aspiration of married women. data for the study collected through a cross-sect...

Load curve data in power systems refers to users’ electrical energy consumption data periodically collected with meters. It has become one of the most important assets for modern power systems. Many operational decisions are made based on the information discovered in the data. Load curve data, however, usually suffers from corruptions caused by various factors, such as data transmission errors...

Using a new nationally representative survey of financial capability and experience in the UK and Ireland, I investigate the key factors that cause individuals to experience financial distress. In this context, a key area that I focus on is whether individuals’ behavioural traits, such as their capacities for self-control, planning, and patience, affect their ability to stay out of financial tr...

Models of household consumption used to estimate the relative needs of people living in different family types need to take account of economies of household size, price-like substitution effects and the allocation of consumption among the individuals of the household. No existing estimation method tackles all three of these issues in a simultaneous and transparent fashion. Partly because of th...

In recent years, the issue of energy consumption modeling techniques in the building sector has been widely considered by researchers and managers. Researches indicate that energy consumption in residential sector is one of the main parts of the total consumption. Moreover, the urban residence is supposed as a significant consumer of energy in every country and therefore a focus for energy cons...