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United States - Wikipedia

Although little known at the time, Charles Ives's work of the 1910s established him as the first major U.S. composer in the classical tradition, while experimentalists such as Henry Cowell and John Cage created a distinctive American approach to classical composition.

SimplifAI Tutoring - INTERNATIONAL PRIVATE TUTORS

We want to be your learning one-stop shop offering you the best tutors out there, matched with revolutionary analytics at the click of a button. No need to juggle busy schedules or spend weeks searching for the right tutor only to find they are based elsewhere. We built SimplifAI Tutoring with a fundamental purpose in mind: to enable people to do what they are best at and get machines to do the same. Individuals are good at understanding complex problems and building relationships. Machines, on the other hand, are good at analyzing large data sets and doing the heavy lifting of matching,

python - How can I put my end date to tomorrow? Trying to schedule a program to run everyday - Stack Overflow

I need this code to be run between and only during these hours 11:30 am (Current day) to 3:30 AM (The next day.) The issue I am having with this code is: When I print the d4 and d5, it prints todays date. However, d5 should print the next day. I did some testing and changed my windows time. put starttime at 23:59:00 and endtime at 00:02:00. The scheduler ended up not starting the process. This is the console output when I put the endtime at 00:02:00: The code runs if the hours are within the same day. So starttime 08:30 and endtime

Estudiar - Universitat Autònoma de Barcelona - UAB Barcelona

La UAB es una cantera de investigadores de primer nivel, conectada con una extensa red de empresas e Instituciones y con la mejor infraestructura para la investigación.

John - Wikipedia

Look up John or john in Wiktionary, the free dictionary. John is a common English name and surname: John may also refer to: New Testament Works People John the Baptist (died c. 30  AD), regarded as a prophet and the forerunner of Jesus Christ Authorship of the Johannine works of the New Testament, sometimes identified as: John the Apostle (lived c. 30  AD), one of the twelve apostles of Jesus John the Evangelist, assigned author of the Fourth Gospel, once identified with the Apostle John of Patmos, also known as John the Divine or John the Revelator, the author of the Book of Revelation, once identified with the Apostle John the Presbyter,

How to ace your technical interviews - YouTube

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black hole | Definition, Formation, & Facts | Britannica

A black hole can be formed by the death of a massive star.

Justin Bieber - Wikipedia

The song reached number 12 on the Canadian Hot 100 during its first week of release in July 2009 and later peaked at number 17 on the Billboard Hot 100 chart in the United States.

Wikipedia - Wikipedia

The project, which is expanded and maintained by a community of volunteer editors using a wiki-based editing system, is the largest general reference work on the Internet and one of the 15 most popular websites as ranked by Alexa Internet; in 2021, it ranked as the 13th most visited.

Gender discrimination in small business lending: Evidence from a lab-in-the-field experiment in Turkey

Gender discrimination in provision of finance can prevent women from exploiting their entrepreneurial potential. Providing rigorous evidence on such discrimination is challenging for at least two reasons. First, differences in supply of credit by gender also reflect differences in demand. For example, women may self-select into industries that are less capital intensive or that operate at a smaller scale and thus have less need for bank finance. Second, gender discrimination can be both direct and indirect. Even if loan officers reject female credit applicants at similar rates to male applicants, they may apply conditions that make credit de facto unattainable for many women. Previous non-experimental evidence suggests that guarantor requirements may be a source of such indirect gender discrimination (Alesina et al. 2013).

In our recent paper (Brock and De Haas, 2019), we use a lab-in-the-field experiment to test for the presence of both direct and indirect gender discrimination in the supply of small business finance in Turkey. During the experiment, loan officers evaluated credit applications with randomly assigned applicant gender. We also measured various loan officer characteristics that are normally unobservable, including implicit gender bias and risk preferences. 

The experiment in a nutshell

We conducted our experiment with 334 employees of a large commercial bank in Turkey. Each participant evaluated eight credit applications. Participants decided whether to approve or reject each application and, in case of initial approval, whether to request a guarantor or not. We indicated the gender of each application with randomly assigned male and female names.

All applications occur in the data multiple times, sometimes as coming from a male applicant and sometimes from a female applicant. This allows us to obtain a within-application estimate of gender discrimination. Importantly, loan officers assessed applications that our partner bank had received in the recent past, so we know how loans subsequently performed in reality (Cole et al. 2015 follow a similar approach). We incentivised all lending decisions in line with common bank incentive schemes.

To measure implicit bias, use used an implicit association test (IAT). While the IAT scores range widely, 87% of lending staff have a positive score, indicating that they subconsciously associate business more with men than with women. This tendency is stronger among women than among men (Figure 1).

Figure 1. Participants’ implicit gender bias (IAT score) 


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