From Lending To Learning

From Lending to Learning provides a theoretical overview and practical guide to the functional area of delivering learning services within public libraries. It traces the development of public library service delivery and critically appraises the inherent tension between offering an educational-focused or leisure-focused library. The current and future policy directions are explored against the backdrop of the emerging learning society. A general overview of recent developments in learning theory is followed by an insight into the learning landscape. The issues and practicalities of setting up a learning environment within a public library are dealt with in a clear and straightforward fashion. The book concludes with an assessment of the emerging web 2.0 technologies and gives an insight into how the whole area of social networking might shape the future. Combines a practical approach with an accessible theoretical underpinning Written in an entertaining and highly readable style Identifies the key phases involved in establishing a public library learning service

Based on detailed analysis of thousands of confidential World Bank documents, this book demonstrates that the World Bank lies at the centre of the major changes in global education of our time. It outlines the evolution of World Bank lending policies in education, and assesses the policy impact of the Bank's educational projects, looking at how it has: shaped the economic and social policies of many governments, including policies that affect education been an influential proponent of the rapid expansion of formal education systems around the world, financing much of that expansion been instrumental in forging those policies that see education as a precursor to modernisation served as a major purveyor of Western ideas about how education and the economy are, or should be, related. Following on from the success of the first edition, this revised edition covers topical issues of globalisation and looks into the political debate concerning aid to developing countries. It will be of enormous value to those studying, or working in, educational policy in developing countries, international organisations and financial institutions, and aid agencies.

Two decades of World Bank lending for education teach that flexibility, community involvement, and adaption of programs to local conditions are some of the critical elements of successful education programs.

Written by prominent thought leaders in the global fintech space, The AI Book aggregates diverse expertise into a single, informative volume and explains what artifical intelligence really means and how it can be used across financial services today. Key industry developments are explained in detail, and critical insights from cutting-edge practitioners offer first-hand information and lessons learned. Coverage includes: · Understanding the AI Portfolio: from machine learning to chatbots, to natural language processing (NLP); a deep dive into the Machine Intelligence Landscape; essentials on core technologies, rethinking enterprise, rethinking industries, rethinking humans; quantum computing and next-generation AI · AI experimentation and embedded usage, and the change in business model, value proposition, organisation, customer and co-worker experiences in today’s Financial Services Industry · The future state of financial services and capital markets – what’s next for the real-world implementation of AITech? · The innovating customer – users are not waiting for the financial services industry to work out how AI can re-shape their sector, profitability and competitiveness · Boardroom issues created and magnified by AI trends, including conduct, regulation & oversight in an algo-driven world, cybersecurity, diversity & inclusion, data privacy, the ‘unbundled corporation’ & the future of work, social responsibility, sustainability, and the new leadership imperatives · Ethical considerations of deploying Al solutions and why explainable Al is so important

Decentralized Finance (DeFi) is a new way to borrow, lend, trade, save and invest. It's an open-source financial system that has no central authority or middlemen.

Deep Credit Risk - Machine Learning in Python aims at starters and pros alike to enable you to: - Understand the role of liquidity, equity and many other key banking features- Engineer and select features- Predict defaults, payoffs, loss rates and exposures- Predict downturn and crisis outcomes using pre-crisis features- Understand the implications of COVID-19- Apply innovative sampling techniques for model training and validation- Deep-learn from Logit Classifiers to Random Forests and Neural Networks- Do unsupervised Clustering, Principal Components and Bayesian Techniques- Build multi-period models for CECL, IFRS 9 and CCAR- Build credit portfolio correlation models for VaR and Expected Shortfall- Run over 1,500 lines of pandas, statsmodels and scikit-learn Python code- Access real credit data and much more ...

“Education is not an art of putting sight into the eye that can already see, but one of turning the eye towards the proper gaze of Being. That’s what must be managed!” Plato insists. This claim is the take-off point for Eduardo Duarte’s meditations on the metaphysics and ontology of teaching and learning. In Being and Learning he offers an account of learning as an attunement with Being’s dynamic presencing and unconcealment, which Duarte explores as the capacity to respond and attend to the matter that stands before us, or, in Arendtian terms, to love the world, and to be with others in this world. This book of ‘poetic thinking’ is a chronicle of Duarte’s ongoing exploration of the question of Being, a philosophical journey that has been guided primarily through a conversation with Heidegger, and which also includes the voices of Plato, Aristotle, Heraclitus, Nietzsche, as well Lao Tzu and the Buddha, among others. In Being and Learning, Duarte undertakes a ‘phenomenology of the original’: a writing that consciously and conspicuously interrupts the discursive field of work in philosophy of education. As the late Reiner Schurmann described this method: “it recalls the ancient beginnings and it anticipates a new beginning, the possible rise of a new economy among things, words and actions.” Being and Learning is a work of parrhesia: a composition of free thought that disrupts the conventional practice of philosophy of education, and thereby open up gaps and spaces of possibility in the arrangement of words, concepts, and ideas in the field. With this work Eduardo Duarte is initiating new pathways of thinking about education.

Property Investing! Learn how to invest,fix and Flip your Real Estate Investing with no experience Learn real estate financial modeling. Advance your career and knowledge. Make more money. Learn everything about real estate This book will teach you what you need to know to real estate in your city. The bool teaches you how to use a team of real estate professionals to Find & Finance, Fix and make money an investment property for you.

The second edition of this award-winning book continues the mission of its predecessor, to provide a comprehensive compendium of research in all aspects of distance education, arguably the most significant development in education over the past quarter century. While the book deals with education that uses technology, the focus is on teaching and learning and how its management can be facilitated through technology. This volume will be of interest to anyone engaged in distance education at either the K-12 or college level. It is also appropriate for corporate and government trainers and for administrators and policy makers in all these environments.

Education gives people the opportunity to become more productive, escape poverty, and improve the quality of their lives. For more than two decades the World Bank has supported the efforts of developing countries to expand and improve education at all levels. This document discusses World Bank efforts in support of education in developing countries as the 1990s begin. Figures on lending for education, as well as Bank support for educational policy and analysis and research are included. Strategies for educational development are presented for several different education levels and representative efforts at each level in individual countries are discussed. A number of figures appear in the booklet, and an appendix detailing World Bank education projects being implemented is 1990 in included. (DB)

This open access book presents contemporary perspectives on the role of a learning society from the lens of leading practitioners, experts from universities, governments, and industry leaders. The think pieces argue for a learning society as a major driver of change with far-reaching influence on learning to serve the needs of economies and societies. The book is a testimonial to the importance of learning communities. It highlights the pivotal role that can be played by non-traditional actors such as city and urban planners, citizens, transport professionals, and technology companies. This collection seeks to contribute to the discourse on strengthening the fabric of a learning society crucial for future economic and social development, particularly in the aftermath of the coronavirus disease.

This paper studies bank learning through repeated interactions with borrowers from a new perspective. To understand learning by lending, we adapt a methodology from labor economics to analyze how loan contract terms evolve as banks acquire new information about borrowers. We construct ``proxy'' variables for this information using data from borrowers' out-of-sample, future credit performance. Due to the timing of their construction, banks could not have used these variables directly to price loans. We nonetheless find that these proxies increasingly predict loan prices as relationships progress, even after controlling for possible omitted variable bias. Our methodology provides strong evidence that: (a) bank learning affects loan prices, and (b) relationship benefits are heterogeneous. In particular, higher quality borrowers face differentially lower spreads as their relationship with lenders develop -- and banks learn about their quality -- while lower quality borrowers see loan prices increase and their loan amounts fall. We further find suggestive evidence that banks incorporate CEO-specific information into loan prices.

This book constitutes the proceedings of the Joint IAPR International Workshop on Structural Syntactic, and Statistical Pattern Recognition, S+SSPR 2016, consisting of the International Workshop on Structural and Syntactic Pattern Recognition SSPR, and the International Workshop on Statistical Techniques in Pattern Recognition, SPR. The 51 full papers presented were carefully reviewed and selected from 68 submissions. They are organized in the following topical sections: dimensionality reduction, manifold learning and embedding methods; dissimilarity representations; graph-theoretic methods; model selection, classification and clustering; semi and fully supervised learning methods; shape analysis; spatio-temporal pattern recognition; structural matching; text and document analysis.

Explores the diverse issues confronting the winner of the 2008 presidential election and offers advice for how to handle them, including dealing with the war in Iraq, terrorism, and the economy; choosing qualified, savvy advisers; and managing the federal government.

Like the first edition, the second edition of Learning by Doing: A Handbook for Professional Learning Communities at Work helps educators close the knowing-doing gap as they transform their schools into professional learning communities (PLCs).

Although verbal learning offers a powerful tool, Mayer explores ways of going beyond the purely verbal. Recent advances in graphics technology and information technology have prompted new efforts to understand the potential of multimedia learning as a means of promoting human understanding. In this second edition, Mayer includes double the number of experimental comparisons, 6 new principles - signalling, segmenting, pertaining, personalization, voice and image principles. The 12 principles of multimedia instructional design have been reorganized into three sections - reducing extraneous processing, managing essential processing and fostering generative processing. Finally an indication of the maturity of the field is that the second edition highlights boundary conditions for each principle research-based constraints on when a principle is likely or not likely to apply. The boundary conditions are interpreted in terms of the cognitive theory of multimedia learning, and help to enrich theories of multimedia learning.

Why is catch-up rare and why have some nations succeeded while others failed? This volumes examines how nations learn by reviewing key structural and contingent factors that contribute to dynamic learning and catch-up.