Indian community-based housing finance systems: potentials and pitfalls for urban development and housing improvement

Peer Smets 서울시립대학교 도시과학연구원 2019 도시과학국제저널 Vol.23 No.4

In developing and emerging countries, housing finance is mainly mortgage finance in combination with Western unsecured credit, both of which do not serve the bottom of the income pyramid. Poorer sections of society depend on incremental finance for building their houses. A combination of different sources is usually used including individual servicing of housing finance and community-based housing finance. Community-based financing covers a relatively small section of the housing finance market. In the formal financial sector, such initiatives include mainly credit unions and cooperatives. In the informal sector, a much broader kaleidoscope of community-based financing schemes and links with banks exists. This paper provides an overview of three kinds of informal community-based housing finance associations: rotating savings and credit associations, savings associations and accumulating savings and credit associations. These examples can be seen as a source of good practices. However, schemes that are commodified can have a huge potential for the development of informal settlements, but can also become instruments of institutions, benefiting the state and the better off, who profit at the expense of those at the bottom of the income pyramid.

Migration in propinquity with development: a spatial analysis of Kashmir Valley, India

Peer Jeelani,Farzana Ahad,Shamim Ahmad Shah,Huma Rashid,Nazia Bano 대한공간정보학회 2023 Spatial Information Research Vol.31 No.4

Migration is the primary demographic process that shapes where people live and plays an essential role in how humans have changed over time. People migrate for various reasons, but the predicted economic disparity between industrialized and developing regions is a powerful motivator for people to relocate. As a result, migration has an impact on development, and development also affects migration. Because of the vast differences in development among India's regions, the future of population dynamics will rely more on migration than fertility and mortality processes. The present paper analyzes the spatial patterns of internal migration, variations in the level of development, and the propinquity between the two. Secondary data were used from the census of India, government reports, and research publications. Data were analysed using Karl Pearson's correlation coefficient and a t-test to test the observed correlation's significance. The results revealed a high positive correlation between internal migration and levels of development (r = 0.791). Out of thirty-three development variables, only sixteen have a higher significant relationship with internal migration, which mainly determines population characteristics, education facilities, employment opportunities, and infrastructural facilities.

SINGLE OBJECTIVE LAYOUT DESIGN OF USER INTERFACE COMPONENTS WITH MULTIPLE QUALITATIVE FACTORS

Peer, S.K.,Sharma, Dinesh-K. 한국전산응용수학회 2004 Journal of applied mathematics & informatics Vol.14 No.1

The purpose of this paper is to present a model to design the layout of the user interface components that handles many numbers of qualitative factors. An alternate rating system is also proposed for the closeness relationship ratings between the various pairs of components evaluated by using GOMS (goals, operators, methods and selection rules) technique. The proposed model is applied to the design of the part of the user interface in order to obtain the best layout of the components. The results of the proposed model are compared with that of an existing model, which handles single qualitative factor applied to obtain the layouts of user interface components.

Drug Interactions with OTC Medications

Honig, Peer K.,Gillespie, Bradley K. Medical Publications Korea 1997 Medical Progress Vol.19 No.6

Amenability of Indigenous Genotypes of Cabbage to Scavenge and Accumulate Nitrogen: Importance of Staggered Application and Root Morphology

Saffeullah Peer 한국식물학회 2020 Journal of Plant Biology Vol.63 No.6

Injudicious use of chemical fertilizers particularly nitrogen to crops has increased dramatically in the last half-century and, therefore, identifying crop varieties with improved nitrogen efficiency is urgent for sustainable development. In this study, a pot experiment was conducted to screen the intrinsic nitrogen efficiency of eleven cabbage genotypes on the basis of various morpho-physiological and biochemical parameters related to nitrogen metabolism. High genotypic variation was found in nitrogen metabolizing enzymes. A significant variation in nitrate reductase, nitrite reductase, glutamine synthetase and glutamate synthase activity was found between contrasting (low and high) nitrogen efficient genotypes in all the nitrogen treatments. The experimental data were subjected to Principal component analysis and Agglomerate hierarchical clustering. Based on the data, Early Golden Acre and Pusa Drumhead were screened as low and high nitrogen efficiency genotypes respectively. Our study identifies low and high nitrogen efficient genotypes in cabbage which can be used in breeding programs and could help in addressing the problem of nitrate pollution in the environment and also could lessen the economic burden of fertilizers on farmers.

Single objective layout design of user interface components with multiple qualitative factors

S. K. Peer,Dinesh K. Sharma 한국전산응용수학회 2004 Journal of applied mathematics & informatics Vol.14 No.-

The purpose of this paper is to present a model to design the layout of the user interface components that handles many numbers of qualitative factors. An alternate rating system is also proposed for the closeness relationship ratings between the various pairs of components evaluated by using GOMS (goals, operators, methods and selection rules) technique. The proposed model is applied to the design of the part of the user interface in order to obtain the best layout of the components. The results of the proposed model are compared with that of an existing model, which handles single qualitative factor applied to obtain the layouts of user interface components.

Experimental evaluation on oxidation stability of biodiesel/diesel blends with alcohol addition by rancimat instrument and FTIR spectroscopy

Mohamed Shameer Peer,Ramesh Kasimani,Sakthivel Rajamohan,Purnachandran Ramakrishnan 대한기계학회 2017 JOURNAL OF MECHANICAL SCIENCE AND TECHNOLOGY Vol.31 No.1

Use of alcohols blended with biodiesel as alternative fuel in diesel engine is an attractive solution for depletion and demand of fossil fuels in transportation and industrial applications. Calophyllum Inophyllum is a higher oil yielding species with high heating value and notably non-edible oil. One of the most important criteria used for assessing the quality of biodiesel blended fuel is ‘storage oxidation stability’. Deprived oxidation stability is the important technical obstacle associated with the biodiesel commercialization. This study investigated the oxidation stability of biodiesel blends at 100 % (B100) and 20 % (B20) volume concentrations with diesel through induction time determined by Rancimat instrument. Effects of pentanol addition with B20 biodiesel at 10 % (P10) and 15 % (P15) volume concentrations are also analyzed. FTIR spectroscopy characterizes the oxidation variability of all test fuels. It can be concluded that the biodiesel (B100) shows good oxidation stability (I.P = 8.47 h). Addition of pentanol (10 %) enhances the storage ability by 44.57 % than B20, whereas further addition of pentanol (15 %) declines by 19.48 % when compared to P10. More concentration of pentanol weakens the hydrophilic and hydrophobic clusters formed between pentanol/diesel/biodiesel compounds which have been characterized using infra red spectroscopic analysis.

Identification and mapping of mating type genes from the edible mushroom Flammulina velutipes

Arend F. Van Peer,Won Sik Kong 한국국제농업개발학회 2010 한국국제농업개발학회 추계학술발표논문집 Vol.2010 No.-

Organization of mating type genes in the edible mushroom Flammulina velutipes

Arend Frans van Peer,Soon-Young Park,Kab-Yeul Jang,Pyung-Gyun Shin,Young-Bok Yoo,Won-Sik Kong 한국버섯학회 2010 한국버섯학회 국제학술대회 Vol.6 No.-

Organization of mating type genes in the edible mushroom Flammulina velutipes

Arend Frans van Peer,Soon-Young Park,Kab-Yeul Jang,Pyung-Gyun Shin,Young-Bok Yoo,Won-Sik Kong 한국버섯학회 2010 한국버섯학회지 Vol.8 No.4

Flammulina velutipes, amongst others known as Winter Mushroom or Enokitake is an important economic crop in Asia. The tetrapolarity (having four mating types) of this mushroom obligates mating and results in self-sterile progeny that carries unique genetic traits, making understanding of the genetic base desirable for breeding. Moreover, mating type genes are significant for evolutionary studies as their high polymorphism benefits phylogenetic comparisons. This polymorphism further makes mating type genes interesting candidates for genetic markers that allow identification of specific strains. Mating type loci in Agaricomycotina are classically termed A and B and control two different developmental pathways [for a review see 1]. They consist of tightly linked subloci that encode multiallelic genes. MatA loci contain two groups of divergently transcribed homeodomain proteins (HD1 and HD2) and heterodimerization of HD1 with a non-self HD2 protein forms a functional transcription factor that activates the A pathway. MatB loci hold pheromones and pheromone receptors. Pheromone genes encode small precursor proteins that are characterized by a C-terminal CAAX motif. Pheromone receptors typically contain 7 membrane spanning regions and are coupled to G-proteins. Binding of a pheromone to a receptor, triggers splicing of the (trimeric) G-protein, which activates the B pathway. New genetic data from recent genome sequences is challenging the strict concepts of old mating type models in fungi. MatB loci turn out to be rather diverse and contain considerable varying numbers of pheromone receptors and associated pheromones. To this, pheromone receptors which are not linked to matB loci have now been reported for C. cincerea, S. commune and L. bicolor [2, 3]. Also the organization of the matA locus is less strictly conserved than anticipated. Though far more tightly maintained than the matB locus, substantial differences in HD gene numbers and overall organization are reported [2, 3]. These differences stress the importance of determination of the individual mating type systems from industrially important mushrooms to assist breeding. Our analysis of F. velutipes strain 4019-20 uncovered 7 pheromone receptors together with 3 pheromones. The matB-3 locus of this strain however, is defined by only a single pheromone receptor and pheromone gene and our data strongly indicates that a 2nd pheromone receptor recently lost its function. The other receptor genes are non mating type specific. Finally, we detected three homeodomain genes distributed over two distant subloci. These subloci have been separated by two large inversions. Strikingly the distant matA subloci in S. commune seem to be separated by inversions as well. Synthenic mapping of a large regions from Coprinus cinerea, Laccaria bicolor, S. commune and F. velutipes shows that the matA loci originate from a single locus in a common ancestor of S. commune and F. velutipes that is represented by L. bicolor and C. cinerea. [1] U Kües. Micr Mol Biol Rev 64, 316 (2000) [2] H Niculita-Hirzel, J Labbé, A Kohler, F le Tacon, F Martin, IR Sanders and U Kües. New Phytol 180, 329 (2008). [3] RA Ohm, JF de Jong, LG Lugones, A aerts, E Kothe, JE Stajich, RP de Vries, E Record, A Levasseur, SE Baker, KA Bartholomew, PM Couthino, S Erdmann, TJ Fowler, AC Gathman, V Lombard, B Henrissat, N Knabe, U Kües, WW Lilly, E Lindquist, S Lucas, JK Magnuson, F Piumi, M Rausdaskoski, A Salamov, J Schmutz, FWMr Schwarze, PA van Kuyk, JS Horton, IV Grigoriev and HAB Wösten. Nat. Biotechnol ISSN: 1087-0156 (2010).