Invprest

Invprest es la primera plataforma de préstamos entre personas en Colombia y Latinoamérica dirigida exclusivamente para Millenials; es decir conectamos a personas que necesitan financiamiento con personas que están dispuestas a prestar a una tasa justa, equitativa y más rentable que la del mercado financiero. Se tiene en cuenta un estudio de crédito diferente al tradicional donde se revisan factores de la personalidad y comportamentales del solicitante de crédito para conocer su riesgo. Actualmente una gran parte de los usuarios financieros se sienten insatisfechos con los servicios que prestan las entidades bancarias. La tecnología y nuevos modelos de economía colaborativa han abierto el espacio a nuevas formas de consumo, entre ellos la innovación en los servicios bancarios que han funcionado por mucho tiempo de la misma forma. La falta de un excelente servicio, unas tasas de interés que no reflejan las condiciones del mercado, la falta de un servicio que incluya las necesidades de los clientes en una economía digital son problemas que se resuelven con este emprendimiento. Se busca llegar a un mercado potencial de 170.000 personas en Bogotá y en Colombia de 638.000 aproximadamente. El mercado en Colombia es nuevo, naciente y con potencial de crecimiento. Actualmente hay más de 70 países que cuentan con plataformas de este estilo y se espera que las inversiones en estos modelos de negocio sean mayores a $14.000 Millones de dólares en el 2.015. Así mismo en Colombia cada vez se conoce más sobre los cambios de la industria financiera mundial. Invprest se diferencia en otros aspectos relacionados con el seguimiento de la cartera, los requerimientos relacionados a la posesión de activos fijos que en este modelo no son necesarios si la persona tiene buenos ingresos y la utilización de firmas electrónicas para que todos los procesos se puedan hacer electrónicamente. Yohan Florez es un apasionado por el tema de finanzas que ha logrado contactar e incluir a personas de Fiduciarias, Brigard & Urrutia, Certicamara y otros expertos financieros en la creación de las soluciones que se le pueden dar a los problemas de este proceso y que ayudan con su conocimiento y experiencia para el desarrollo del proyecto. 3 En el corto plazo la empresa se va a consolidar en Colombia y en el mediano- largo plazo se van a realizar las acciones para expandir el modelo a otros países de Latinoamérica. Se espera que en el tercer año se cuente con ingresos superiores a los $1.700 millones de pesos con una ganancia de $98 millones, el punto de equilibrio se alcanza en el mes 11. El medio para llegar a los clientes es usando redes sociales con publicidad dirigida, así mismo el Ceo será el principal vendedor de la compañía al inicio de la operación. La inversión inicial requerida para el proyecto empresarial es de $201.000.000.

Building collaborative partnerships for climate change action in Maputo, Mozambique

The authors examine partnerships as a policy strategy for climate change governance in cities in the Global South. Partnerships offer the opportunity to link the actions of diverse actors operating at different scales and, thus, they may be flexible enough to deal with uncertain futures and changing development demands. However, simultaneously, partnerships may lack effectiveness in delivering action at the local level, and may constitute a strategy for some actors to legitimate their objectives in spite of the interests of other partners. Engaging with the specific example of urban governance in Maputo, Mozambique, the authors present an analysis of potential partnerships in this context, in relation to the actors that are willing and able to intervene to deliver climate change action. What, they ask, are the challenges to achieving common objectives in partnerships from the perspective of local residents in informal settlements? The analysis describes a changing context of climate change governance in the city, in which the prospects of access to international finance for climate change adaptation are moving institutional actors towards engaging with participatory processes at the local level. However, the analysis suggests a question about the extent to which local communities are actually perceived as actors with legitimate interests who can intervene in partnerships, and whether their interests are recognised.

Process and performance in international collaborative research

Motivated by policy goals to develop international research capability and our experiences of collaborative research, we wanted to learn more about the factors that influence success in collaborative research. This article presents a review of the academic literature on collaborative research, focusing on multinational teams doing international comparative research. We address the question ‘what accounts for variation in process and performance of collaborative research projects?’, through 11 themes: context; vision; reward and commitment; leadership; structure; contract; task capability; sociability; communication; finance; rhythm and pace. We then propose an agenda for future research with an analytic framework and, finally, our conclusions.

Stromal Myofibroblasts In Squamous Cell Carcinoma Of The Tongue In Young Patients - A Multicenter Collaborative Study.

The purpose of this study was to evaluate the presence of myofibroblasts, frequently associated with a more aggressive neoplastic behavior, in oral tongue squamous cell carcinoma (TSCC) of young patients and to compare with the distribution observed in older patients. Tumor samples from 29 patients younger than 40 years old affected by TSCC were retrieved and investigated for the presence of stromal myofibroblasts by immunohistochemical reactions against α smooth muscle actin, and the results obtained were compared to TSCC cases affecting older patients. No positive reaction could be found in the stromal areas devoid of neoplastic tissue, whereas myofibroblasts were present in 58.6% of the lesions in young patients and in 75.9% of the older ones. No significant difference was found when comparing the invasive front and the overall stroma of both groups, and no correlation could be obtained with stromal α smooth muscle actin expression, higher tumor grades or clinical stage (P > .05). There was no significant difference between the presence of stromal myofibroblasts of TSCC affecting young and old individuals.

Collaborative e-learning and Learning Objects

The Learning Object (OA) is any digital resource that can be reused to support learning with specific functions and objectives. The OA specifications are commonly offered in SCORM model without considering activities in groups. This deficiency was overcome by the solution presented in this paper. This work specified OA for e-learning activities in groups based on SCORM model. This solution allows the creation of dynamic objects which include content and software resources for the collaborative learning processes. That results in a generalization of the OA definition, and in a contribution with e-learning specifications.

Amphitheatre entry court, Collaborative Workshop, University of Queensland, St Lucia

Entry from landscaped amphitheatre area.

Gutter detail, Collaborative Workshop, University of Queensland, St Lucia

Open-ended folded sheet metal gutter.

Amphitheatre entry court, Collaborative Workshop, University of Queensland, St Lucia

Entry from landscaped amphitheatre area.

MHCWeb: Converting a WWW database into a knowledge-based collaborative environment

The World Wide Web (WWW) is useful for distributing scientific data. Most existing web data resources organize their information either in structured flat files or relational databases with basic retrieval capabilities. For databases with one or a few simple relations, these approaches are successful, but they can be cumbersome when there is a data model involving multiple relations between complex data. We believe that knowledge-based resources offer a solution in these cases. Knowledge bases have explicit declarations of the concepts in the domain, along with the relations between them. They are usually organized hierarchically, and provide a global data model with a controlled vocabulary, We have created the OWEB architecture for building online scientific data resources using knowledge bases. OWEB provides a shell for structuring data, providing secure and shared access, and creating computational modules for processing and displaying data. In this paper, we describe the translation of the online immunological database MHCPEP into an OWEB system called MHCWeb. This effort involved building a conceptual model for the data, creating a controlled terminology for the legal values for different types of data, and then translating the original data into the new structure. The 0 WEB environment allows for flexible access to the data by both users and computer programs.