El presente trabajo de investigación fue realizado para tener conocimiento sobre el impacto financiero de la morosidad en la cartera de créditos de las cajas municipales de ahorro y crédito del Perú, año 2020. Así mismo, en la investigación se busca dar a conocer el impacto que tiene los diferentes determinantes macroeconómicos y microeconómicos en la variación de la morosidad. El presente trabajo de investigación se ha desarrollado en cinco partes. En primer lugar, se desarrolló el capítulo I en donde se definen las palabras claves que nos ayudarán a desarrollar el tema principal. En segundo lugar, el capítulo II se explica el problema principal, los objetivos e hipótesis. En tercer lugar, el capítulo III, explica la metodología a utilizar a lo largo de la investigación, ya sea para el hallazgo de la muestra, población y desarrollo cuantitativo y cualitativo de ellas. En cuarto lugar, el capítulo IV, se desarrolló los instrumentos utilizados para poder recolectar información relevante que ayude en dicha investigación. Finalmente, el capítulo V, muestra el análisis de los instrumentos de investigación realizadas al igual que las conclusiones y recomendaciones finales. / The present research work was carried out to investigate the financial impact of the Debt Portfolio in the Municipal Savings and Credit Banks of Peru in the year 2020. Likewise, this research seeks to make known the impact that the different macroeconomic and microeconomic determinants have on the variation in delinquency or debts. This research work has been developed in five parts. In the first place, chapter I was developed, where the keywords that will help us develop the main topic are defined. Second, Chapter II explains the main problem, objectives and hypotheses. Thirdly, chapter III explains the methodology to be used throughout the investigation, whether for finding the sample, population and quantitative and qualitative development of them. Fourth, chapter IV, developed the instruments used to collect relevant information to help in said research. Finally, chapter V shows the analysis of the research instruments carried out as well as the final conclusions and recommendations. / Tesis

La presente investigación analiza los determinantes del margen financiero de las Cajas Municipales de Ahorro y Crédito (CMAC) en el Perú, margen definido como el ratio de la diferencia de ingresos y gastos financieros entre los activos totales de cada entidad. El estudio considera determinantes microeconómicas y macroeconómicas que podrían impactar en el margen financiero de las CMAC, y dentro de estos se analiza cómo la concentración de mercado que se mide a través de dos indicadores: el Índice de Herfindahl y Hirschman (IHH) y el Índice de Concentración (IC6) podría impactar en la variable de estudio. El análisis comprende el periodo 2002-2019, años en los que el sector de medianas y pequeñas empresas ha pasado a formar parte esencial de la cartera de créditos de las IMF, por lo que la eficiencia en las operaciones y servicios de financiamiento que ofrecen estas entidades son importantes en el desarrollo del sector empresarial. Los hallazgos encontrados demuestran que el IHH y el IC6 evidencian una relación que no va acorde a lo que plantea la teoría económica de la Organización industrial. Similar a estos resultados, se demuestra que otros indicadores determinarían el margen financiero de las CMAC, y su análisis permitirá plantear recomendaciones y medidas de política que permitan un mejor desempeño del sector microfinanciero contribuyendo al crecimiento económico. / This research seeks to evaluate the determinants of the financial margin of the Cajas Municipales de Ahorro y Crédito in Peru (CMACs), a margin that is defined as the ratio of the difference in income and financial expenses between the total assets of each entity. The study considers microeconomic and macroeconomic determinants that could impact on the financial margin of the CMAC and how the market concentration, measured through two indicators: the Herfindahl and Hirschman Index (IHH) and the Index of Concentration (IC6), could impact the variable under research. The analysis covers the period 2002-2019, in which medium and small companies have become an essential part of the credit portfolio of MFIs, so the efficiency in the operations and financing services offered by these entities are important in the development of the business sector. The results suggest that the IHH and IC6 show a relationship that is not in accordance with the Industrial Organization Theory. Similar to these results, it is shown that more indicators would determine the financial margin of the CMACs, which will help to propose recommendations and policy measures that allow a better performance of the microfinance sector, contributing finally to economic growth. / Tesis

Indiana University-Purdue University Indianapolis (IUPUI) / This thesis provides an approach to incorporate natural composites like Flax Fiber using a resin with 30% bio-content to enhance the packaging boxes made of corrugated cardboard. The objective of introducing natural composite skins is to reduce/eliminate the compressive loading subjected to the boxes while stacking in warehouses.

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Syftet med studien var att skapa ökad kunskap om förskollärares syn påförhållningssätt, strategier och utmaningar med att möta barn i sorg på förskolan. Studien undersökte hur handlingsplanen fungerade som vägledning för förskollärare i krissituationer. Studien grundade sig i kvalitativa intervjuer med förskollärare. Resultatet visade att förskollärare hade stora kunskaper i hur man bemöter barn isorg men också att förskollärare upplevde utmaningar med att lita på att de handlade rätt i möten med barn i sorg. Resultatet visade att förskollärarna upplevde en brist på utbildning och insikt i förskolans handlingsplan. Resultatet visade också att kris- och sorglådor användes som ett arbetsverktyg i verksamheten. / The purpose of the study was to create increased knowledge about preschool teachers' views on approaches, strategies, and challenges in dealing with children in grief at preschool. The study investigated how the crisis management plan functioned as guidance for preschool teachers in crisis situations. The study was based on qualitative interviews with preschool teachers. The results showed that preschool teachers had great knowledge of how to deal with children in grief, but also that preschool teachers experienced challenges in trusting that they acted correctly in meetings with children in grief. The results showed that the preschool teachers experienced a lack of training and insight into the preschool's crisis management plan. The results also showed that crisis and grief boxes were used as a working tool in the activities of the preschool.

This thesis work is to do with the Information system of data boxes (ISDS) which is introduced from legislation's and user's point of view. Because the introduction of this system has influenced hundreds of thousands of subjects the main target of this thesis is to find out about the impact of the ISDS on users with the help of the analysis method. In this work firstly the data provided by the Ministry of Internal Affairs are examined and interpreted, secondly the results of the poll conducted by the author and then a cost-benefit analysis of the system from the users' point of view is carried out. The results of the work show that the ISDS was at the end of the examined period (2009 -- 2013) beneficial for its users and the total economic benefit for the respective period is 3.6 billion Czech crowns. This means that every crown spent on the operation of the system by the Ministry of Internal Affairs represents savings of 2 Czech crowns. The author of this work has come to the conclusion that the system is from a legislative, technological and economic point of view very well created. The author recommends to the system administrator its further development and also recommends to use its potential among thousands of OSVČ (the self-employed).

[pt] Esta dissertação estuda métodos e algoritmos para critérios de seleções dos retângulos envolventes focando em arquiteturas de detecção de objetos baseada redes neurais convolucionais para tempo real, que processam mais de 30fps, que também possibilitam a expansão para outras arquiteturas. O objetivo desta dissertação é melhorar as métricas Recall e Precision, proporcionando mais assertividade nos resultados destas arquiteturas sem a necessidade de recriá-las ou retreiná-las, diminuindo, assim, os recursos para manutenções. As arquiteturas que trabalham em tempo real normalmente não apresentam melhores resultados, pois são desenvolvidas visando a redução do tempo de execução. Para resolver estes problemas, serão testados outros métodos de critérios de seleção de retângulos envolventes em estado da arte, são eles: Nonmaximum Suppression (NMS), Soft-NMS, Non-Maximum Weighted (NMW) e Weighted Boxes Fusion (WBF). Os resultados obtidos foram comparados aos originais das arquiteturas, utilizando as métricas mAP, Recall e Precision. Através desta comparação foi possível comprovar que os novos critérios apresentaram bons resultados. O tempo de execução dos novos critérios também foi analisado com execuções de imagens em lotes, contornando alguns overheads dos critérios mais pesados. As arquiteturas utilizadas como base nos experimentos foram baseadas nos sistemas YOLOv3-Tiny e YOLOv4-Tiny, utilizando o dataset QMUL-OpenLogo público e especializado em logotipos e baseado em fotos reais. / [en] This dissertation studies methods and algorithms for bounding box selection criteria focusing on object detection architectures based on convolutional neural networks for real-time, processing over 30fps, which also allow expansion to other architectures. The goal of this study is to improve the Recall and Precision metrics, providing more assertiveness in the results of these architectures without the need to recreate or retrain them, thus reducing the resources for maintenance. Architectures that work in real-time usually do not present good results, because they are developed aiming to reduce execution time. To solve these problems, other state-of-the-art bounding box selection criteria methods will be tested: Non-maximum Suppression (NMS), Soft-NMS, Non-Maximum Weighted (NMW) and Weighted Boxes Fusion (WBF). The results obtained were compared to the original architectures, using the mAP, Recall and Precision metrics. Through this comparison it was possible to prove that the new criteria presented satisfactory results. The execution time of the new criteria was also analyzed with batch image executions, bypassing some overheads of the heavier criteria. The architectures used as basis for the experiments were based on the YOLOv3-Tiny and YOLOv4-Tiny systems, using the public dataset QMUL-OpenLogo specialized in logos and based on real photos.

Résumé : En Amérique du Nord, la superficie des monocultures utilisatrices d’intrants tels que des fertilisants et des pesticides couvre aujourd’hui 85 % des surfaces agricoles et autant de pâturages ont disparus en 50 ans afin de répondre aux besoins de l’Homme. Ces changements d’usage des terres ont profondément transformé le paysage et altéré la biodiversité des agro-écosystèmes. Parmi les espèces d’oiseaux champêtres, les insectivores aériens tels l’Hirondelle bicolore, Tachycineta bicolor, ici étudiée, présentent un fort taux de déclin des effectifs, reflétant probablement une dégradation des agro-écosystèmes. Les mécanismes biologiques à l’origine de ce déclin sont encore méconnus ainsi que les patrons de dispersion chez les passereaux migrateurs. Le présent travail vise à étudier les effets environnementaux sur les traits individuels (survie et succès reproducteur) et la dispersion de reproduction (probabilité de disperser et taux d’occupation des sites de reproduction) chez l’Hirondelle bicolore. Pour ce faire, 2200 reproducteurs et 8000 oisillons ont été bagués entre 2004 et 2013 et suivis en reproduction pendant 10 ans sur une aire d’étude au Sud du Québec, laquelle est composée de 40 sites et couvre une mosaïque de paysages agricoles hétérogènes. Le développement d’un nouveau modèle de capture-marquage-recapture, flexible d’utilisation, a permis de réduire les biais d’estimation des probabilités de survie et de dispersion de l’espèce. Cette approche a permis de tester l’effet de plusieurs variables en lien avec la qualité de l’habitat, l’information publique et les caractéristiques individuelles sur la variabilité des paramètres de dispersion, de survie et de succès reproducteur au niveau individuel. Les milieux cultivés intensivement associés à la présence du Moineau domestique, Passer domesticus, un compétiteur pour les cavités de reproduction, diminuaient au maximum de 19 % la survie des mâles. Les femelles étaient quant à elles affectées par le coût de la reproduction, qui était d’autant plus grand en milieu intensif qu’il y avait une présence de moineaux et une disponibilité moindre en ressources alimentaires. Pour autant, la décision de disperser n’était pas affectée par les conditions environnementales que ce soit par la présence de compétiteurs ou la qualité du milieu, et ne dépassait pas les 4 % chez les mâles. Les femelles dispersant jusqu’à 14 fois plus s’appuyaient sur leur expérience personnelle pour décider de disperser. Un échec de reproduction augmentait jusqu’à 7 fois la probabilité de disperser et pour la première fois chez une espèce à courte durée de vie, nous avons montré que la probabilité de disperser était augmentée l’année suivant une première dispersion. Ces patrons de dispersion étaient stables dans le temps. La dispersion semblait donc être un processus coûteux, comparé à la fidélité au site, qui apparaissait comme un phénotype minoritaire dans la population. Elle répondait à des conditions défavorables de reproduction. Enfin, ce travail montre l’utilisation de l’information publique dans la décision de s’établir sur un site généralement fortement dense et productif en jeunes l’année précédente et ce, une fois que la décision de disperser est amorcée. La présence de moineaux et la forte proportion de cultures intensives dans un rayon proche participaient également à ll‘évitement des sites lors de l’établissement. D’après ces résultats, le milieu intensif contribuerait au déclin de l’Hirondelle bicolore. / Abstract : In North America, monoculture areas using high inputs of fertilizers and pesticides cover 85 % of agricultural lands, and as many pastures disappeared in the past 20 years to satisfy human food needs. These land-use changes have deeply transformed landscapes and altered the biodiversity of agro-ecosystems. Among farmland birds, aerial insectivores such as Tree Swallow, Tachycineta bicolor, studied here show a high rate of decline in their abundance, partly reflecting the degradation of agro-ecosystems where they breed. Biological mechanisms leading to the decline and dispersal patterns in migratory passerines are still poorly known. The present work quantifies the environmental effects on Tree Swallow individual traits (survival, reproductive success) and breeding dispersal (probability to disperse and occupation rates of breeding sites). Between 2004 and 2013, 2200 breeders and 8000 chicks were ringed and monitored during 10 breeding seasons on a study area composed of 40 sites and covering a mosaic of heterogeneous agricultural landscapes in southern Québec. The development of a new, flexible capture-mark-recapture model has reduced estimate bias of survival and dispersal probabilities of Tree Swallows. This approach allowed to assess the effect of several variables linked to habitat quality, public information and individual characteristics on dispersal, survival and reproductive success parameters of individuals. Within intensively cultivated landscapes associated to the presence of a nest site competitor, the House sparrow, Passer domesticus, male survival is up to 19 % lower. Females were affected by the cost of reproduction, especially in intensive landscapes where House sparrows and found and where food resources and nest site appear limited. Dispersal probability was not affected by environmental conditions either through the presence of House sparrows or habitat quality, and was restricted to 4 % in males. Females, which dispersed up to 14 times more than males, based their decision on their personal experience. Breeding failure increased up to 7 times the probability to disperse and for the first time in a short-lived species, I show that dispersal likelihood increased if the individual had dispersed in the previous year. These dispersal patterns were stable in time. Dispersal appeared as a costly process compared to site fidelity and was a minority phenotype in the population. It appeared an answer to unfavorable condition for reproduction. Finally, this work shows the use of public information (partners density, fledglings productivity the previous year) on the decision to settle on a site and this, after the dispersal decision had been initiated. The presence of House sparrows and the proportion of intensive areas near nest boxes were used as information to select a breeding site. Based on these findings, agricultural intensification likely plays a role in the decline of Tree swallow populations.

Nous avons développé un cryptosystème à clé symétrique hautement sécuritaire qui est basé sur un réseau de substitutions et de permutations. Il possède deux particularités importantes. Tout d'abord, il utilise de très grandes S-Boxes incompressibles dont la taille peut varier entre 256 Kb et 32 Gb bits d'entrée et qui sont générées aléatoirement. De plus, la phase de permutation est effectuée par un ensemble de fonctions linéaires choisies aléatoirement parmi toutes les fonctions linéaires possibles. Chaque fonction linéaire est appliquée sur tous les bits du bloc de message. Notre protocole possède donc une structure simple qui garantit l'absence de portes dérobées. Nous allons expliquer que notre cryptosystème résiste aux attaques actuellement connues telles que la cryptanalyse linéaire et la cryptanalyse différentielle. Il est également résistant à toute forme d'attaque basée sur un biais en faveur d'une fonction simple des S-Boxes. / We developed a new symmetric-key algorithm that is highly secure. Our algorithm is SPN-like but with two main particularities. First of all, we use very large random incompressible s-boxes. The input size of our s-boxes vary between 256 Kb and 32 Gb.Secondly, for the permutation part of the algorithm, we use a set of random linear functions chosen uniformly and randomly between every possible fonctions. The input of these functions is all the bits of the block of messages to encode. Our system has a very simple structure that guarantees that there are no trap doors in it. We will explain how our algorithm is resistant to the known attacks, such as linear and differential cryptanalysis. It is also resistant to any attack based on a bias of the s-boxes to a simple function.

In recent years, microtransactions have become a norm for monetization and a standardbusiness model in free-to-play games. This is something that affects multiple individuals andhas caused quite a stir among players. Through this research, we want to gain anunderstanding of why some microtransaction types might be considered more acceptable thanothers. In addition, to gaining potential data that could possibly give us a look into the futureof the design of microtransactions. We have gathered our data by conducting online chatbased semi-structured interviews with current and former university students studying gamedesign at Uppsala University.The research found that game design students have a predominantly negative opinion aboutmost microtransactions, especially when they were affecting the gameplay, contrary to whenthey were not.