We examine the roles of social accounts in influencing lenders’ decisions about loaning money to borrowers. Using field data and a laboratory experiment, we show that lenders will lend money depending on the accounts borrowers tell. abercrombieandfitchcanada In Study 1, field data from a peer-to-peer lending website reveal that two-account combinations (explanation–acknowledgment and explanation–denial) increase the likelihood of favorable lending decisions. http://www.abercrombieandfitchcanada.ca A laboratory study helps explain the important role of accounts by unpacking the process of perceived borrower trustworthiness in lending decisions. A final field study assessing the performance of loans 2 years after origination shows that accounts,https://en.wikipedia.org/wiki/Abercrombie despite having a positive effect on the loan decision process, negatively predict loan performance…. Collectively, the three studies show that accounts facilitate economic exchanges between unacquainted transaction partners because of their role in increasing perceived trustworthiness, Abercrombie fierce but that ironically, accounts can negatively relate to loan performance.
Using argon as a diluent of Silane, hydrogenated amorphous and nanorocrystalline silicon films Si:H were prepared by radio-frequency (13.56MHz) plasma enhanced chemical vapor deposition (rf-PECVD). The deposition rate and crystallinity varying with the deposition pressure and rf power, were systematically studied. Structural analysis (Raman scattering spectroscopy and X-ray diffraction), combined with optical measurements spectroscopy were used to characterize the films. http://www.abercrombieandfitchcanada.ca The argon dilution of silane for all samples studied was 95% by volume, and the substrate temperature was 200°C. The deposition pressure was varied from 400mTorr to 1400mTorr and varying rf power from 50 to 250W. abercrombieandfitchcanada The structural… evolution studies, shows that beyond 200W of rf power, an amorphous-nanocrystalline transition was observed, with an increase in crystalline fraction by increasing rf power and working pressure. Abercrombie return policy The films were grown at high deposition rates. The deposition rates of the films near the amorphous-nanocrystalline phase transition region were found in the range 6–10Å/s. A correlation between structural and optical properties has been found and discussed.
Nanosized lead titanate doped with calcium and lanthanum (PCLT) powder obtained by the sol–gel method was homogeneously mixed with vinylidene fluoride-trifluoroethylene [P(VDF-TrFE)]. The nanocomposite PCLT/P(VDF-TrFE) film was used as the sensing film for pyroelectric sensors, whose detective merit was about 22.4% higher than that of sensors using pure P(VDF-TrFE). Abercrombie cologne A 35nm ITO film was deposited as the bottom electrode on PET plastic film substrate, on which PCLT/P(VDF-TrFE) was prepared by spin-coating, and Ni–Cr film was chosen as the upper electrode. The PET plastic film substrate could effectively decrease the thermal conductivity of the element and the ITO bottom electrode could reflect the infrared irradiation. http://www.abercrombieandfitchcanada.ca The voltage responsivity was increased and the… thermal fluctuation noise of the pyroelectric element was decreased significantly. abercrombieandfitchcanada The experimental results indicated that the specific detectivity of PCLT/P(VDF-TrFE) pyroelectric sensors based on PET film substrate reached 3.4E7cmHz 1/2 W −1 , more than two orders of magnitude higher than that of the sensors on bulk silicon substrate formed under the same conditions.