Is Group Lending A Good Enforcement Scheme for Achieving High Repayment Rates?: Evidence from Field Experiments in Vietnam

Microfinance institutions employ various kinds of incentive schemes but estimating the effect of each scheme is not easy due to endogeneity bias. We conducted field experiments in Vietnam to capture the role of joint liability, monitoring, cross-reporting, social sanctions, communication and group formation in borrowers’ repayment behavior. We find that joint liability contracts cause serious free-riding problems, inducing strategic default and lowering repayment rates. When group members observe each others’ investment returns, participants are more likely to choose strategic default. Even after introducing a cross-reporting system and/or penalties among borrowers, the default rates and the ratios of participants who chose strategic default under joint liability are still higher than those under individual lending. We also find that joint liability lending often failed to induce mutual insurance among borrowers. Those who had been helped or who had repaid a little in the previous round were more likely to default strategically and repay a little again in the current round and those who paid large amounts were always the same individuals.

A Video-Aware FEC-Based Unequal Loss Protection Scheme for RTP Video Streaming

A video-aware unequal loss protection (ULP) system for protecting RTP video streaming in bursty packet loss networks is proposed. Just considering the relevance of the frame, the state of the channel and the bitrate constraints of the protection bitstream, our algorithm selects in real time the most suitable frames to be protected through forward error correction (FEC) techniques. It benefits from a wise RTP encapsulation that allows working at a frame level without requiring any further process than that of parsing RTP headers, so it is perfectly suitable to be included in commercial transmitters. The simulation results show how our proposed ULP technique outperforms non-smart schemes.

An automatic translation scheme from prolog to the andorra kernel language

The Andorra family of languages (which includes the Andorra Kernel Language -AKL) is aimed, in principie, at simultaneously supporting the programming styles of Prolog and committed choice languages. On the other hand, AKL requires a somewhat detailed specification of control by the user. This could be avoided by programming in Prolog to run on AKL. However, Prolog programs cannot be executed directly on AKL. This is due to a number of factors, from more or less trivial syntactic differences to more involved issues such as the treatment of cut and making the exploitation of certain types of parallelism possible. This paper provides basic guidelines for constructing an automatic compiler of Prolog programs into AKL, which can bridge those differences. In addition to supporting Prolog, our style of translation achieves independent and-parallel execution where possible, which is relevant since this type of parallel execution preserves, through the translation, the user-perceived "complexity" of the original Prolog program.

Implementation of an event driven scheme for visualizing parallel execution of logic programs

This article presents in an informal way some early results on the design of a series of paradigms for visualization of the parallel execution of logic programs. The results presented here refer to the visualization of or-parallelism, as in MUSE and Aurora, deterministic dependent and-parallelism, as in Andorra-I, and independent and-parallelism as in &-Prolog. A tool has been implemented for this purpose and has been interfaced with these systems. Results are presented showing the visualization of executions from these systems and the usefulness of the resulting tool is briefly discussed.

Regularization for sparsity in statistical analysis and machine learning

Pragmatism is the leading motivation of regularization. We can understand regularization as a modification of the maximum-likelihood estimator so that a reasonable answer could be given in an unstable or ill-posed situation. To mention some typical examples, this happens when fitting parametric or non-parametric models with more parameters than data or when estimating large covariance matrices. Regularization is usually used, in addition, to improve the bias-variance tradeoff of an estimation. Then, the definition of regularization is quite general, and, although the introduction of a penalty is probably the most popular type, it is just one out of multiple forms of regularization. In this dissertation, we focus on the applications of regularization for obtaining sparse or parsimonious representations, where only a subset of the inputs is used. A particular form of regularization, L1-regularization, plays a key role for reaching sparsity. Most of the contributions presented here revolve around L1-regularization, although other forms of regularization are explored (also pursuing sparsity in some sense). In addition to present a compact review of L1-regularization and its applications in statistical and machine learning, we devise methodology for regression, supervised classification and structure induction of graphical models. Within the regression paradigm, we focus on kernel smoothing learning, proposing techniques for kernel design that are suitable for high dimensional settings and sparse regression functions. We also present an application of regularized regression techniques for modeling the response of biological neurons. Supervised classification advances deal, on the one hand, with the application of regularization for obtaining a na¨ıve Bayes classifier and, on the other hand, with a novel algorithm for brain-computer interface design that uses group regularization in an efficient manner. Finally, we present a heuristic for inducing structures of Gaussian Bayesian networks using L1-regularization as a filter. El pragmatismo es la principal motivación de la regularización. Podemos entender la regularización como una modificación del estimador de máxima verosimilitud, de tal manera que se pueda dar una respuesta cuando la configuración del problema es inestable. A modo de ejemplo, podemos mencionar el ajuste de modelos paramétricos o no paramétricos cuando hay más parámetros que casos en el conjunto de datos, o la estimación de grandes matrices de covarianzas. Se suele recurrir a la regularización, además, para mejorar el compromiso sesgo-varianza en una estimación. Por tanto, la definición de regularización es muy general y, aunque la introducción de una función de penalización es probablemente el método más popular, éste es sólo uno de entre varias posibilidades. En esta tesis se ha trabajado en aplicaciones de regularización para obtener representaciones dispersas, donde sólo se usa un subconjunto de las entradas. En particular, la regularización L1 juega un papel clave en la búsqueda de dicha dispersión. La mayor parte de las contribuciones presentadas en la tesis giran alrededor de la regularización L1, aunque también se exploran otras formas de regularización (que igualmente persiguen un modelo disperso). Además de presentar una revisión de la regularización L1 y sus aplicaciones en estadística y aprendizaje de máquina, se ha desarrollado metodología para regresión, clasificación supervisada y aprendizaje de estructura en modelos gráficos. Dentro de la regresión, se ha trabajado principalmente en métodos de regresión local, proponiendo técnicas de diseño del kernel que sean adecuadas a configuraciones de alta dimensionalidad y funciones de regresión dispersas. También se presenta una aplicación de las técnicas de regresión regularizada para modelar la respuesta de neuronas reales. Los avances en clasificación supervisada tratan, por una parte, con el uso de regularización para obtener un clasificador naive Bayes y, por otra parte, con el desarrollo de un algoritmo que usa regularización por grupos de una manera eficiente y que se ha aplicado al diseño de interfaces cerebromáquina. Finalmente, se presenta una heurística para inducir la estructura de redes Bayesianas Gaussianas usando regularización L1 a modo de filtro.

Implementation of an event driven scheme for visualizing parallel execution of logic programs.

This article presents in an informal way some early results on the design of a series of paradigms for visualization of the parallel execution of logic programs. The results presented here refer to the visualization of or-parallelism, as in MUSE and Aurora, deterministic dependent and-parallelism, as in Andorra-I, and independent and-parallelism as in &-Prolog. A tool has been implemented for this purpose and has been interfaced with these systems. Results are presented showing the visualization of executions from these systems and the usefulness of the resulting tool is briefly discussed.

An automatic translation scheme from CLP to AKL

The Andorra Kernel language scheme was aimed, in principle, at simultaneously supporting the programming styles of Prolog and committed choice languages. Within the constraint programming paradigm, this family of languages could also in principle support the concurrent constraint paradigm. This happens for the Agents Kernel Language (AKL). On the other hand, AKL requires a somewhat detailed specification of control by the user. This could be avoided by programming in CLP to run on AKL. However, CLP programs cannot be executed directly on AKL. This is due to a number of factors, from more or less trivial syntactic differences to more involved issues such as the treatment of cut and making the exploitation of certain types of parallelism possible. This paper provides a translation scheme which is a basis of an automatic compiler of CLP programs into AKL, which can bridge those differences. In addition to supporting CLP, our style of translation achieves independent and-parallel execution where possible, which is relevant since this type of parallel execution preserves, through the translation, the user-perceived "complexity" of the original program.

A proposal for a flexible scheduling and memory management scheme for non-deterministic, andparallel execution of logic programs

In this paper, we examine the issue of memory management in the parallel execution of logic programs. We concentrate on non-deterministic and-parallel schemes which we believe present a relatively general set of problems to be solved, including most of those encountered in the memory management of or-parallel systems. We present a distributed stack memory management model which allows flexible scheduling of goals. Previously proposed models (based on the "Marker model") are lacking in that they impose restrictions on the selection of goals to be executed or they may require consume a large amount of virtual memory. This paper first presents results which imply that the above mentioned shortcomings can have significant performance impacts. An extension of the Marker Model is then proposed which allows flexible scheduling of goals while keeping (virtual) memory consumption down. Measurements are presented which show the advantage of this solution. Methods for handling forward and backward execution, cut and roll back are discussed in the context of the proposed scheme. In addition, the paper shows how the same mechanism for flexible scheduling can be applied to allow the efficient handling of the very general form of suspension that can occur in systems which combine several types of and-parallelism and more sophisticated methods of executing logic programs. We believe that the results are applicable to many and- and or-parallel systems.

Improving probabilistic flood forecasting through a data assimilation scheme based on genetic programming

Opportunities offered by high performance computing provide a significant degree of promise in the enhancement of the performance of real-time flood forecasting systems. In this paper, a real-time framework for probabilistic flood forecasting through data assimilation is presented. The distributed rainfall-runoff real-time interactive basin simulator (RIBS) model is selected to simulate the hydrological process in the basin. Although the RIBS model is deterministic, it is run in a probabilistic way through the results of calibration developed in a previous work performed by the authors that identifies the probability distribution functions that best characterise the most relevant model parameters. Adaptive techniques improve the result of flood forecasts because the model can be adapted to observations in real time as new information is available. The new adaptive forecast model based on genetic programming as a data assimilation technique is compared with the previously developed flood forecast model based on the calibration results. Both models are probabilistic as they generate an ensemble of hydrographs, taking the different uncertainties inherent in any forecast process into account. The Manzanares River basin was selected as a case study, with the process being computationally intensive as it requires simulation of many replicas of the ensemble in real time.

Optimal and Long-Term Dynamic Transport Policy Design: Seeking Maximum Social Welfare through a Pricing Scheme.

This article presents an alternative approach to the decision-making process in transport strategy design. The study explores the possibility of integrating forecasting, assessment and optimization procedures in support of a decision-making process designed to reach the best achievable scenario through mobility policies. Long-term evaluation, as required by a dynamic system such as a city, is provided by a strategic Land-Use and Transport Interaction (LUTI) model. The social welfare achieved by implementing mobility LUTI model policies is measured through a cost-benefit analysis and maximized through an optimization process throughout the evaluation period. The method is tested by optimizing a pricing policy scheme in Madrid on a cordon toll in a context requiring system efficiency, social equity and environmental quality. The optimized scheme yields an appreciable increase in social surplus through a relatively low rate compared to other similar pricing toll schemes. The results highlight the different considerations regarding mobility impacts on the case study area, as well as the major contributors to social welfare surplus. This leads the authors to reconsider the cost-analysis approach, as defined in the study, as the best option for formulating sustainability measures.

An optimized QoS scheme for IMS-NEMO in heterogeneous networks

The network mobility (NEMO) is proposed to support the mobility management when users move as a whole. In IP Multimedia Subsystem (IMS), the individual Quality of Service (QoS) control for NEMO results in excessive signaling cost. On the other hand, current QoS schemes have two drawbacks: unawareness of the heterogeneous wireless environment and inefficient utilization of the reserved bandwidth. To solve these problems, we present a novel heterogeneous bandwidth sharing (HBS) scheme for QoS provision under IMS-based NEMO (IMS-NEMO). The HBS scheme selects the most suitable access network for each session and enables the new coming non-real-time sessions to share bandwidth with the Variable Bit Rate (VBR) coded media flows. The modeling and simulation results demonstrate that the HBS can satisfy users' QoS requirement and obtain a more efficient use of the scarce wireless bandwidth.

Influence of Atmospheric Conditions on mmWave CATR Facilities: Formulation and Compensation Scheme

The performance of a CATR relies on the planarity of the synthesized test wave, which is generated within a bounded volume for which specifications are drawn. Millimetre-wave facilities deal with the classical limitations of this frequency band, among which two become critical in our analysis: time-extensive acquisition campaigns and impact of environmental variables. Both features become more evident when increasing the frequency of operation. The variation in atmospheric variables, such as humidity, temperature and pressure has an influence over the performance of all the elements of the facility. The instrumentation behavior is influenced both by the warming up process, and the ambience conditions that surround the equipment. On the changes of the atmosphere itself, they affect the electromagnetic wave propagation, given the physical link between the conditions of the atmosphere and its electric properties as an electromagnetic waves propagation medium

Low-complexity timing synchronization scheme for MB-OFDM UWB receiver based on sign-bit

A unified low complexity sign-bit correlation based symbol timing synchronization scheme for Multiband Orthogonal Frequency Division Multiplexing (MB-OFDM) Ultra Wideband (UWB) receiver system is proposed. By using the time domain sequence of the packet/frame synchronization preamble, the proposed scheme is in charge of detecting the upcoming MB-OFDM symbol and it estimates the exact boundary of the start of Fast Fourier Transform (FFT) window. The proposed algorithm is implemented by using an efficient Hardware-Software co-simulation methodology. The effectiveness of the proposed synchronization scheme and the optimization criteria is confirmed by hardware implementation results.

Adaptive scheme for Accurate orbit propagation

Two extensions of the fast and accurate special perturbation method recently developed by Peláez et al. are presented for respectively elliptic and hyperbolic motion. A comparison with Peláez?s method and with the very efficient Stiefel- Scheifele?s method, for the problems of oblate Earth plus Moon and continuous radial thrust, shows that the new formulations can appreciably improve the accuracy of Peláez?s method and have a better performance of Stiefel-Scheifele?s method. Future work will be to include the two new formulations and the original one due to Peláez into an adaptive scheme for highly accurate orbit propagation

Higher-order regularization and morphological techniques for image segmentation

La segmentación de imágenes es un campo importante de la visión computacional y una de las áreas de investigación más activas, con aplicaciones en comprensión de imágenes, detección de objetos, reconocimiento facial, vigilancia de vídeo o procesamiento de imagen médica. La segmentación de imágenes es un problema difícil en general, pero especialmente en entornos científicos y biomédicos, donde las técnicas de adquisición imagen proporcionan imágenes ruidosas. Además, en muchos de estos casos se necesita una precisión casi perfecta. En esta tesis, revisamos y comparamos primero algunas de las técnicas ampliamente usadas para la segmentación de imágenes médicas. Estas técnicas usan clasificadores a nivel de pixel e introducen regularización sobre pares de píxeles que es normalmente insuficiente. Estudiamos las dificultades que presentan para capturar la información de alto nivel sobre los objetos a segmentar. Esta deficiencia da lugar a detecciones erróneas, bordes irregulares, configuraciones con topología errónea y formas inválidas. Para solucionar estos problemas, proponemos un nuevo método de regularización de alto nivel que aprende información topológica y de forma a partir de los datos de entrenamiento de una forma no paramétrica usando potenciales de orden superior. Los potenciales de orden superior se están popularizando en visión por computador, pero la representación exacta de un potencial de orden superior definido sobre muchas variables es computacionalmente inviable. Usamos una representación compacta de los potenciales basada en un conjunto finito de patrones aprendidos de los datos de entrenamiento que, a su vez, depende de las observaciones. Gracias a esta representación, los potenciales de orden superior pueden ser convertidos a potenciales de orden 2 con algunas variables auxiliares añadidas. Experimentos con imágenes reales y sintéticas confirman que nuestro modelo soluciona los errores de aproximaciones más débiles. Incluso con una regularización de alto nivel, una precisión exacta es inalcanzable, y se requeire de edición manual de los resultados de la segmentación automática. La edición manual es tediosa y pesada, y cualquier herramienta de ayuda es muy apreciada. Estas herramientas necesitan ser precisas, pero también lo suficientemente rápidas para ser usadas de forma interactiva. Los contornos activos son una buena solución: son buenos para detecciones precisas de fronteras y, en lugar de buscar una solución global, proporcionan un ajuste fino a resultados que ya existían previamente. Sin embargo, requieren una representación implícita que les permita trabajar con cambios topológicos del contorno, y esto da lugar a ecuaciones en derivadas parciales (EDP) que son costosas de resolver computacionalmente y pueden presentar problemas de estabilidad numérica. Presentamos una aproximación morfológica a la evolución de contornos basada en un nuevo operador morfológico de curvatura que es válido para superficies de cualquier dimensión. Aproximamos la solución numérica de la EDP de la evolución de contorno mediante la aplicación sucesiva de un conjunto de operadores morfológicos aplicados sobre una función de conjuntos de nivel. Estos operadores son muy rápidos, no sufren de problemas de estabilidad numérica y no degradan la función de los conjuntos de nivel, de modo que no hay necesidad de reinicializarlo. Además, su implementación es mucho más sencilla que la de las EDP, ya que no requieren usar sofisticados algoritmos numéricos. Desde un punto de vista teórico, profundizamos en las conexiones entre operadores morfológicos y diferenciales, e introducimos nuevos resultados en este área. Validamos nuestra aproximación proporcionando una implementación morfológica de los contornos geodésicos activos, los contornos activos sin bordes, y los turbopíxeles. En los experimentos realizados, las implementaciones morfológicas convergen a soluciones equivalentes a aquéllas logradas mediante soluciones numéricas tradicionales, pero con ganancias significativas en simplicidad, velocidad y estabilidad. ABSTRACT Image segmentation is an important field in computer vision and one of its most active research areas, with applications in image understanding, object detection, face recognition, video surveillance or medical image processing. Image segmentation is a challenging problem in general, but especially in the biological and medical image fields, where the imaging techniques usually produce cluttered and noisy images and near-perfect accuracy is required in many cases. In this thesis we first review and compare some standard techniques widely used for medical image segmentation. These techniques use pixel-wise classifiers and introduce weak pairwise regularization which is insufficient in many cases. We study their difficulties to capture high-level structural information about the objects to segment. This deficiency leads to many erroneous detections, ragged boundaries, incorrect topological configurations and wrong shapes. To deal with these problems, we propose a new regularization method that learns shape and topological information from training data in a nonparametric way using high-order potentials. High-order potentials are becoming increasingly popular in computer vision. However, the exact representation of a general higher order potential defined over many variables is computationally infeasible. We use a compact representation of the potentials based on a finite set of patterns learned fromtraining data that, in turn, depends on the observations. Thanks to this representation, high-order potentials can be converted into pairwise potentials with some added auxiliary variables and minimized with tree-reweighted message passing (TRW) and belief propagation (BP) techniques. Both synthetic and real experiments confirm that our model fixes the errors of weaker approaches. Even with high-level regularization, perfect accuracy is still unattainable, and human editing of the segmentation results is necessary. The manual edition is tedious and cumbersome, and tools that assist the user are greatly appreciated. These tools need to be precise, but also fast enough to be used in real-time. Active contours are a good solution: they are good for precise boundary detection and, instead of finding a global solution, they provide a fine tuning to previously existing results. However, they require an implicit representation to deal with topological changes of the contour, and this leads to PDEs that are computationally costly to solve and may present numerical stability issues. We present a morphological approach to contour evolution based on a new curvature morphological operator valid for surfaces of any dimension. We approximate the numerical solution of the contour evolution PDE by the successive application of a set of morphological operators defined on a binary level-set. These operators are very fast, do not suffer numerical stability issues, and do not degrade the level set function, so there is no need to reinitialize it. Moreover, their implementation is much easier than their PDE counterpart, since they do not require the use of sophisticated numerical algorithms. From a theoretical point of view, we delve into the connections between differential andmorphological operators, and introduce novel results in this area. We validate the approach providing amorphological implementation of the geodesic active contours, the active contours without borders, and turbopixels. In the experiments conducted, the morphological implementations converge to solutions equivalent to those achieved by traditional numerical solutions, but with significant gains in simplicity, speed, and stability.