Haruna Issahaku, Munira Alhassan Muhammed and Benjamin Musah Abu
This paper aims to estimate the determinants of the intensity of use of financial inclusion by households in Ghana.
Abstract
Purpose
This paper aims to estimate the determinants of the intensity of use of financial inclusion by households in Ghana.
Design/methodology/approach
Due to the reality of a household using one or more financial products or services, this study uses the generalised Poisson model applied to GLSS6 and GLSS7 data collected in 2012/2013 and 2016/2017 respectively, to estimate the determinants of the intensity of use of financial inclusion. To deepen the analysis, a multinomial probit model is also applied.
Findings
Results show that infrastructural variables such as roads, public transport and banks stimulate the intensity of financial inclusion. In addition, agricultural development characteristics such as markets and cooperatives are essential for the intensity of inclusion.
Research limitations/implications
There is a need to incorporate how many services or depth of services that people use as part of the conceptualisation of financial inclusion, as this can provide more policy-relevant evidence to enhance priority setting in financial inclusion policies. Also, micro-level financial inclusion studies in agrarian economies should consider exploring agricultural development and infrastructure variables in the modelling framework. As lead to further studies, count models of financial inclusion should consider exploring cross-country analysis, the use of panel data, or other methodological approaches to provide more robust evidence.
Originality/value
Previous studies have not modelled financial inclusion based on a count model as a means of measuring intensity though conceptualisations highlight the fact that people use varied financial products or services. Following from this angle, to the best of the authors’ knowledge, this study provides the first attempt at analysing the underlying determinants of the number of financial products or services used by households.
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Chongjun Wu, Dengdeng Shu, Hu Zhou and Zuchao Fu
In order to improve the robustness to noise in point cloud plane fitting, a combined model of improved Cook’s distance (ICOOK) and WTLS is proposed by setting a modified Cook’s…
Abstract
Purpose
In order to improve the robustness to noise in point cloud plane fitting, a combined model of improved Cook’s distance (ICOOK) and WTLS is proposed by setting a modified Cook’s increment, which could help adaptively remove the noise points that exceeds the threshold.
Design/methodology/approach
This paper proposes a robust point cloud plane fitting method based on ICOOK and WTLS to improve the robustness to noise in point cloud fitting. The ICOOK to denoise the initial point cloud was set and verified with experiments. In the meanwhile, weighted total least squares method (WTLS) was adopted to perform plane fitting on the denoised point cloud set to obtain the plane equation.
Findings
(a) A threshold-adaptive Cook’s distance method is designed, which can automatically match a suitable threshold. (b) The ICOOK is fused with the WTLS method, and the simulation experiments and the actual fitting of the surface of the DD motor are carried out to verify the actual application. (c) The results shows that the plane fitting accuracy and unit weight variance of the algorithm in this paper are substantially enhanced.
Originality/value
The existing point cloud plane fitting methods are not robust to noise, so a robust point cloud plane fitting method based on a combined model of ICOOK and WTLS is proposed. The existing point cloud plane fitting methods are not robust to noise, so a robust point cloud plane fitting method based on a combined model of ICOOK and WTLS is proposed.
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Ulrika Uotila, Arto Saari, Juha-Matti Kalevi Junnonen and Lari Eskola
Poor indoor air quality in schools is a worldwide challenge that poses health risks to pupils and teachers. A possible response to this problem is to modify ventilation…
Abstract
Purpose
Poor indoor air quality in schools is a worldwide challenge that poses health risks to pupils and teachers. A possible response to this problem is to modify ventilation. Therefore, the purpose of this paper is to pilot a process of generating alternatives for ventilation redesign, in an early project phase, for a school to be refurbished. Here, severe problems in indoor air quality have been found in the school.
Design/methodology/approach
Ventilation redesign is investigated in a case study of a school, in which four alternative ventilation strategies are generated and evaluated. The analysis is mainly based on the data gathered from project meetings, site visits and the documents provided by ventilation and condition assessment consultants.
Findings
Four potential strategies to redesign ventilation in the case school are provided for decision-making in refurbishment in the early project phase. Moreover, the research presents several features to be considered when planning the ventilation strategy of an existing school, including the risk of alterations in air pressure through structures; the target number of pupils in classrooms; implementing and operating costs; and the size of the space that ventilation equipment requires.
Research limitations/implications
As this study focusses on the early project phase, it provides viewpoints to assist decision-making, but the final decision requires still more accurate calculations and simulations.
Originality/value
This study demonstrates the decision-making process of ventilation redesign of a school with indoor air problems and provides a set of features to be considered. Hence, it may be beneficial for building owners and municipal authorities who are engaged in planning a refurbishment of an existing building.