![]() ![]() The author of the thesis lodged a legal complaint and now Diego could be facing copyright infringement penalties, including jail time. Jail Time for Sharing a ThesisĪs a graduate student all too familiar with needing papers that were difficult to access, he shared the thesis to help others working in conservation biology. Why? It contained information that would be useful in identifying amphibians he had seen in protected areas. In the case of Colombian scientist Diego Gomez, he decided to share a thesis that he found helpful on Scribd. For starters, scientists do not receive any financial benefit from sharing data or research papers. In academia, where scientists must have access to the work of their fellow scientists in order to continue to advance their field, things are a little different. Rightfully, some share of the proceeds should be given to the person who invented it. ![]() Financial technology providers can incorporate the wide array of soft information to lend to low income earners through mobile based peer groups.One of the reasons copyright laws exists is to prevent others from using a created work (and benefiting from it) without acknowledging its creators. Women and their respective peer groups are more stable with less variability as compared to men. ![]() ![]() Peer groups diversify risk inherent in individual borrowers with women only groups having higher credit quality levels as compared to men only groups. Hidden Markov model classified the low income earners into credit risk profiles wih a view of understanding the role of groups in low income group lending. The study used Kenya Kenya Financial Diaries data of from households to analyze and understand the credit quality levels and credit scores of peer groups versus individuals among men and women. Peer groupings of the low income earners can assist in pooling the resources they have and improve the group risk mitigation process as group members act like social collateral in credit lending. Low income earners have volatile incomes and most financial providers shun this group of borrowers even though they are motivated in managing the limited resources they have through savings and investments as a means to lower the fluctuations of their income. ![]()
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