Про необхідність використання іноземного досвіду мікрострахування та гарантування кредитів малому підприємству в Україні

У статті йдеться про світовий досвід використання гарантійних установ для підтримки малого підприємництва. Проаналізовано основні параметри діяльності фондів гарантування кредитів та інститутів мікрострахування. Визначено можливості впровадження схем гарантування та мікрострахування підприємств малого бізнесу в Україні. Ключові слова: кредит, фінансування, підприємництво, малий бізнес, гарантія, фонд, банківська система, страхування, забезпечення, мікрострахування.В статье исследован мировой опыт использования гарантийных учреждений для поддержки малого предпринимательства. Проанализированы основные параметры деятельности фондов гарантирования кредитов и институтов микрострахования. Определены возможности внедрения схем гарантирования и микрострахование предприятий малого бизнеса в Украине. Ключевые слова: кредит, финансирование, предпринимательство, малый бизнес, гарантия, фонд, банковская система, страхование, обеспечение, микрострахование.In the article research of world experience of the use of guarantee establishments is conducted for support of small enterprise. The basic parameters of activity of funds of guaranteeing of credits are analysed and institutes of mikroinsurance. Possibilities of introduction of charts of guaranteeing are certain and mikroinsurance of enterprises of small business in Ukraine. Key words: credit, finance, entrepreneurship, small business, the guarantee fund, banking, insurance, security, micro-insurance

Exchange of nutrients and oxygen across the sediment-water interface below a Sparus aurata marine fish farm in the north-western Mediterranean Sea

Purpose: This study analyzes the effects of aquaculture activities in open seawater in the north-western coastal waters of the Mediterranean Sea. It is the first of its kind to be based on benthic flux data gathered in situ below fish farms for this particular area. Materials and methods: Samples were collected on four sampling campaigns over a 1-year cycle under a Sparus aurata fish farm facility where benthic fluxes were measured in situ using light and dark benthic chambers. Bottom water and sediment samples were also collected. Data were compared to those for a nearby control station. Results and discussion: Significant differences were found (ANOVA, p < 0. 05) between concentrations of organic matter (OM), total phosphorus and redox potentials in sediments located under the cages and those of the control station. The consumption of dissolved oxygen (DO) by sediment and positive ammonium (NH4 +) fluxes was stimulated by OM content, with correlations of r = -0. 60 (p < 0. 01) and r = 0. 70 (p < 0. 01), respectively. The OM content of sediments was found to be consistently higher under the cages than at the control station, with the highest value (1. 8 ± 0. 7 %) under the cages observed during the early summer; values of DO and NH4 + fluxes were -64 ± 17 and 12. 7 ± 1. 0 mmol m-2 day-1, respectively. PO4 3- fluxes were consistently higher in the fish farm sediments (between 0. 58 and 0. 98 mmol m-2 day-1) than those observed at the control station. Nitrate (NO3 -) fluxes were found to be consistently negative due to denitrification occurring in the sediments and were related to the concentration of NO3 - in bottom waters (r = 0. 92, p < 0. 01). Si fluxes were shown to be associated with water temperature (r = 0. 59, p < 0. 05). Conclusions: The results imply that sediments located below cages accumulate organic matter originating from aquaculture activities, especially during summer months when this activity increases. Sediments undergo biogeochemical changes that mainly affect fluxes of DO, NH4 + and soluble reactive phosphorus, although these do not seem to have a significant impact on the quality of the water column due to the hydrodynamic characteristics of the area. © 2012 Springer-Verlag.We would like to thank the Caja del Mediterraneo for a predoctoral fellowship fund for this research and Antonio Asuncion Acuigroup Maremar manager for the facilities and support in conducting the study. The translation of this paper was funded by the Universidad Politecnica de Valencia, Spain. We are grateful for the valuable comments of the anonymous reviewers on previous versions of the manuscript.Morata Higón, T.; Sospedra, J.; Falco Giaccaglia, SL.; Rodilla Alama, M. (2012). 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Subregional DXA-derived vertebral bone mineral measures are stronger predictors of failure load in specimens with lower areal bone mineral density, compared to those with higher areal bone mineral density

Measurement of areal bone mineral density (aBMD) in intravertebral subregions may increase the diagnostic sensitivity of dual-energy X-ray absorptiometry (DXA)-derived parameters for vertebral fragility. This study investigated whether DXA-derived bone parameters in vertebral subregions were better predictors of vertebral bone strength in specimens with low aBMD, compared to those with higher aBMD. Twenty-five lumbar vertebrae (15 embalmed and 10 fresh-frozen) were scanned with posteroanterior- (PA) and lateral-projection DXA, and then mechanically tested in compression to ultimate failure. Whole-vertebral aBMD and bone mineral content (BMC) were measured from the PA- and lateral-projection scans and within 6 intravertebral subregions. Multivariate regression was used to predict ultimate failure load by BMC, adjusted for vertebral size and specimen fixation status across the whole specimen set, and when subgrouped into specimens with low aBMD and high aBMD. Adjusted BMC explained a substantial proportion of variance in ultimate vertebral load, when measured over the whole vertebral area in lateral projection (adjusted R2 0.84) and across the six subregions (ROIs 2–7) (adjusted R2 range 0.58–0.78). The association between adjusted BMC, either measured subregionally or across the whole vertebral area, and vertebral failure load, was increased for the subgroup of specimens with identified ‘low aBMD’, compared to those with ‘high aBMD’, particularly in the anterior subregion where the adjusted R2 differed by 0.44. The relative contribution of BMC measured in vertebral subregions to ultimate failure load is greater among specimens with lower aBMD, compared to those with higher aBMD, particularly in the anterior subregion of the vertebral body

Planar Seismic Source Characterization Models Developed for Probabilistic Seismic Hazard Assessment of Istanbul

This contribution provides an updated planar seismic source characterization (SSC) model to be used in the probabilistic seismic hazard assessment (PSHA) for Istanbul. It defines planar rupture systems for the four main segments of the North Anatolian fault zone (NAFZ) that are critical for the PSHA of Istanbul: segments covering the rupture zones of the 1999 Kocaeli and Düzce earthquakes, central Marmara, and Ganos/Saros segments. In each rupture system, the source geometry is defined in terms of fault length, fault width, fault plane attitude, and segmentation points. Activity rates and the magnitude recurrence models for each rupture system are established by considering geological and geodetic constraints and are tested based on the observed seismicity that is associated with the rupture system. Uncertainty in the SSC model parameters (e.g., b value, maximum magnitude, slip rate, weights of the rupture scenarios) is considered, whereas the uncertainty in the fault geometry is not included in the logic tree. To acknowledge the effect of earthquakes that are not associated with the defined rupture systems on the hazard, a background zone is introduced and the seismicity rates in the background zone are calculated using smoothed-seismicity approach. The state-of-the-art SSC model presented here is the first fully documented and ready-to-use fault-based SSC model developed for the PSHA of Istanbul

Effects of glutamine in critical illness

Objectives: Under normal physiological conditions, glutamine is synthesized in large amounts by the human body and is considered nonessential. It has been hypothesized that glutamine may become a conditionally essential amino acid in patients with catabolic disease. The objective of this study is to investigate the prognostic effect of glutamine. Methods: Fort this study, we selected 48 patients from the intensive care unit. Group I consisted of 33 patients whose treatment included glutamine. We placed the remaining 15 patients in group 11, and they did not receive glutamine in their treatment. We retrospectively investigated treatment time, leucocyte levels and outcome. We carried out the study between January 2002 and January 2003 in Konya Governmental Hospital, Turkey. Results: The average duration of hospital stay in the glutamine group was 8 +/- 1.2 days, 58% of them leaving hospital with surrogate. However, in the group whose treatment did not include glutamine, 42% of them left the hospital surrogate, their average hospital stay being 12 3 days. In the group receiving glutamine in the treatment, there was a prominent decrease in leukocyte levels compared to the other group, and hospitalization times were shorter but there was no statistically significant difference in mortality or survival rates. Conclusions: Glutamine may decrease the catabolism. it may also have a positive effect on treatment time and the consequences of therapy in critically ill patients