Bibliografie tematiche / Savinase

Letteratura scientifica selezionata sul tema "Savinase"

Autore: Grafiati

Pubblicato: 22 giugno 2024

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Articoli di riviste sul tema "Savinase":

Voisine, R., F. Côté, J. Verreault e A. Porter. "Protein Transfer in Mainstream and Sidestream Cigarette Smoke". Beiträge zur Tabakforschung International/Contributions to Tobacco Research 21, n. 1 (1 marzo 2004): 9–14. http://dx.doi.org/10.2478/cttr-2013-0766.

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AbstractProtein transfer in tobacco smoke has been studied using the protease, Savinase™, as a model protein. Mainstream and sidestream smoke were collected from cigarettes to which Savinase had been added at various concentrations. Savinase was extracted from the smoke condensate with an organic solvent system before being precipitated and further identified by denaturing polyacrylamide gel electrophoresis (SDS-PAGE) and Western immunoblotting. The detection limit of the method, based on addition of Savinase to the smoke condensate, was 25 µg in mainstream and 100 µg in sidestream smoke. At a Savinase concentration of 6000 µg per gram of tobacco, the methodology allows the detection of protein transfer as low as 0.009% and 0.054% in mainstream and sidestream smoke, respectively. Using this approach, it was shown that there is no detectable Savinase in the mainstream and sidestream smoke of filtered and unfiltered cigarettes containing up to 6000 µg of Savinase per gram of tobacco. These facts strongly suggest that there is no significant transfer of protein from tobacco into cigarette smoke.

Smith, E. M., L. E. Green, D. Mason, T. S. Gunasekera e D. A. Veal. "Savinase Is a Bactericidal Enzyme". Applied and Environmental Microbiology 69, n. 1 (1 gennaio 2003): 719–21. http://dx.doi.org/10.1128/aem.69.1.719-721.2003.

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Pedersen, Jan T., Ole H. Olsen, Christian Betzel, Susanne Eschenburg, Sven Branner e Sven Hastrup. "Cavity Mutants of Savinase™". Journal of Molecular Biology 242, n. 3 (settembre 1994): 193–202. http://dx.doi.org/10.1006/jmbi.1994.1572.

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Wu, Shanshan, Tam T. T. N. Nguyen, Olga V. Moroz, Johan P. Turkenburg, Jens E. Nielsen, Keith S. Wilson, Kasper D. Rand e Kaare Teilum. "Conformational heterogeneity of Savinase from NMR, HDX-MS and X-ray diffraction analysis". PeerJ 8 (26 giugno 2020): e9408. http://dx.doi.org/10.7717/peerj.9408.

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Background Several examples have emerged of enzymes where slow conformational changes are of key importance for function and where low populated conformations in the resting enzyme resemble the conformations of intermediate states in the catalytic process. Previous work on the subtilisin protease, Savinase, from Bacillus lentus by NMR spectroscopy suggested that this enzyme undergoes slow conformational dynamics around the substrate binding site. However, the functional importance of such dynamics is unknown. Methods Here we have probed the conformational heterogeneity in Savinase by following the temperature dependent chemical shift changes. In addition, we have measured changes in the local stability of the enzyme when the inhibitor phenylmethylsulfonyl fluoride is bound using hydrogen-deuterium exchange mass spectrometry (HDX-MS). Finally, we have used X-ray crystallography to compare electron densities collected at cryogenic and ambient temperatures and searched for possible low populated alternative conformations in the crystals. Results The NMR temperature titration shows that Savinase is most flexible around the active site, but no distinct alternative states could be identified. The HDX shows that modification of Savinase with inhibitor has very little impact on the stability of hydrogen bonds and solvent accessibility of the backbone. The most pronounced structural heterogeneities detected in the diffraction data are limited to alternative side-chain rotamers and a short peptide segment that has an alternative main-chain conformation in the crystal at cryo conditions. Collectively, our data show that there is very little structural heterogeneity in the resting state of Savinase and hence that Savinase does not rely on conformational selection to drive the catalytic process.

van Wassenaar, Pieter D. "Substrate specificity of savinase toward β-casein". Journal of Protein Chemistry 11, n. 4 (agosto 1992): 370. http://dx.doi.org/10.1007/bf01673725.

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Kukhtyn, Mykola, Khrystyna Kravcheniuk, Ludmila Beyko, Yulia Horiuk, Oleksandr Skliar e Serhii Kernychnyi. "STUDY OF THE INFLUENCE OF SAVINASE®EVITY16L ENZYME ON BIOFILMS FORMATION OF STAPHYLOCOCCUS AUREUS ON STAINLESS STEEL WITH DIFFERENT ROUGHNESS". EUREKA: Life Sciences 2 (31 marzo 2019): 26–32. http://dx.doi.org/10.21303/2504-5695.2019.00858.

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Microbial films formation on the dairy equipment creates a serious problem, because they are difficult to eliminate by washing and disinfecting means that results in contaminating dairy products by microorganisms. The aim of the work was to study the influence of Savinase®Evity 16L proteolytic enzyme on the process of destructing biofilms, formed by Staphylococcus aureus on stainless steel with different surface roughness. It has been established, that surface roughness of stainless steel influences the process of Savinase®Evity 16L enzyme penetration in a hollow and prevents the destruction of the biofilm matrix, created by Staphylococcus aureus. It has been revealed, that after the influence of a proteolytic enzyme on Staphylococcus aureus biofilms, created on steel with roughness 0,16±0,018 mcm, the density decreased in 4,0 times (р≤0,05), comparing with a condition before processing. At roughness 0,63±0,087 mcm the density of formed biofilms decreased at the effect of Savinase®Evity 16L in 3,3times (р≤0,05) and the biofilm was characterized as a weak one. At the same time at stainless steel surfaces with roughness 2,68–0,95mcm, the density of biofilms decreased in 2,3–2,1times (р≤0,05), comparing with a condition before processing, and they were characterized as ones of the middle density. It has been also revealed, that the degradation intensity of biofilms under the influence of Savinase®Evity 16L enzyme at roughness 2,68–0,95 mcm was 1,7–1,9 times (р≤0,05) lower than at the surface with roughness 0,16±0,018 mcm. So, the revealed degradation features of a biofilm, created by Staphylococcus aureus at surfaces of stainless steel of different roughness at the influence of Savinase®Evity 16L proteolytic enzyme give a possibility to substantiate the addition of proteolytic enzymes to the composition of washing means for dairy production. It is also offered to process the surface to the roughness no more than 0,63 mcm for producing food steel for raising the effectiveness of biofilms destruction by enzymes and for the sanitary processing.

N., Wafaa, H. A. Elbarbary, E. M. A. Ibrahim, H. A. Mohamed e H. Jenssen. "EFFECT OF ENZYME TYPE AND HYDROLYSIS TIME ON ANTIBACTERIAL AND ANTIOXIDANT ACTIVITY OF WHEY PROTEIN HYDROLYSATES". IRAQI JOURNAL OF AGRICULTURAL SCIENCES 53, n. 6 (29 dicembre 2022): 1340–57. http://dx.doi.org/10.36103/ijas.v53i6.1650.

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There is an elevated need for novel antimicrobial preservatives in the food industry, and hydrolysis of waste products from the same sector has for decades been viewed as a potential source of these. In the current study we have purified bovine whey protein using size-exclusion chromatography (SEC), and hydrolyzed it by trypsin, pepsin, alcalase, savinase, and neutrase at different times 30, 60, 120, 240, and 300 min. The highest active time hydrolysate was subsequently fractionated by SEC, monitored for antibacterial and antioxidant activities, and characterized using UHPLC-MS/MS. Alcalase and savinase displayed higher degree of hydrolysis, higher antibacterial activity in their hydrolysates at 60 and 30 min, respectively compared to the other enzymes. The alcalase hydrolysates exhibited significantly the highest antioxidant activity rescuing 89% of the yeast cell from Hydrogen peroxide induced oxidative stress at 120 minutes. Proteomic analysis of the highly active fractions identified peptides from α-lactalbumin with structural similarity to known antioxidant peptides. Thus, our results support the using food grade enzymes like alcalase and savinase in the food industry.

Pfeuti, Osborne, Shoveller, Ignatz e Bureau. "Development of a Novel Enzymatic Pretreatment for Improving the Digestibility of Protein in Feather Meal". AgriEngineering 1, n. 4 (7 ottobre 2019): 475–84. http://dx.doi.org/10.3390/agriengineering1040034.

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This study describes the process of developing an enzymatic pretreatment to improvethe nutritional value of feather meal (FeM). In a first experiment, a full factorial design was used toexamine the effects of various incubation conditions on the solubilization of nitrogen in FeM. Weincubated FeM for 3 h with various levels of a commercial alkaline serine protease (Savinase®16L), sodium sulphite (Na2SO3), and digestion buffer. A Savinase® 16L level of 3% (%FeM v/w),Na2SO3 level of 3% (%FeM w/w), and digestion buffer level of 500% (%FeM w/w) were identifiedas the optimal conditions. Under these optimal conditions, 45% of the nitrogen in FeM wassolubilized. In a second experiment, we evaluated the effect of more economically sustainableincubation conditions on the in vitro digestibility of protein (pepsin-HCl digestibility andmultistep protein evaluation) in FeM. Two FeMs were incubated with 0.5% Savinase® 16L (%FeMv/w), 2% Na2SO3 (%FeM w/w), and 200% buffer (%FeM w/w) for 24 h. The pretreatment improvedpepsin-HCl digestibility by 7%–16% and the total tract degradable protein content by 14%–50%.Accordingly, this novel pretreatment could be applied in the animal feed industry to improve thenutritional value of FeM.

Lin, Hai Tao, Fang Jiang, Hui Su e Jiwei Huang. "Study on Cashmere Fibers Shrink-Proofing by Enzyme Based on Fuzz Mathematics Method". Advanced Materials Research 236-238 (maggio 2011): 2830–35. http://dx.doi.org/10.4028/www.scientific.net/amr.236-238.2830.

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Cashmere shrink-proofing effect by enzyme can't achieve ideal shrink-proof effect, so hydrogen peroxide + Savinase protease combined treatment was selected to treat cashmere fiber. In this paper, the included angle cosine method was used to determine the empowerment weight, and used the fuzzy matter-element analysis to fuzzy comprehensive evaluation of the experimental index, the optimum conditions is: hydrogen peroxide pretreatment temperature 35 °C, time 45min, H2O2 40ml / L, pH 9, pyrophosphate 5g / L, the temperature of enzyme treatment 35 °C, time 25min, concentration 40ml / L, pH 9. After cashmere fibers were treated in hydrogen peroxide and Savinase protease combined treatment, cashmere’s Shrink-proofing is well.

Vinther, Anders, Jørgen Petersen e Henrik Søeberg. "Capillary electrophoretic determination of the protease Savinase in cultivation broth". Journal of Chromatography A 608, n. 1-2 (settembre 1992): 205–10. http://dx.doi.org/10.1016/0021-9673(92)87125-r.

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Tesi sul tema "Savinase":

Hamed, Fatma. "Production d'hydrolysats de protéines des muscles du pataclet (Diplodus annularis) et leur caractérisation physicochimique, fonctionnelle, biologique et peptidomique". Electronic Thesis or Diss., Université de Lille (2022-....), 2023. http://www.theses.fr/2023ULILR075.

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L'hydrolyse limitée des protéines alimentaires conduit à la production de peptides dotés d'un potentiel nutritif, fonctionnel et bioactif intéressant. Cependant, ce potentiel est dépendant de la nature des protéines substrat, de la spécificité de la protéase utilisée et des conditions de la réaction d'hydrolyse. Par conséquent, on peut logiquement escompter l'obtention de peptides originaux par leur structure, leur fonctionnalité et leur bioactivité en faisant le bon choix de ces paramètres. Les travaux de la présente thèse initient la valorisation dans ce domaine, du muscle du poisson pataclet. Dans ces travaux, deux hydrolysats des protéines de cette source étaient préparés par action séparée de la savinase (HPP-S) et de l'alcalase (HPP-AL), et leurs propriétés physicochimiques, fonctionnelles, biologiques examinées. L'approche peptidomique peut aider à mieux clarifier la relation qui existe entre la structure d'un peptide et son activité biologique. C'est pourquoi nous avons effectué une analyse peptidomique des hydrolysats et de leurs fractions. Les conditions de l'hydrolyse effectuée ont permis de produire des hydrolysats de protéines de muscle de pataclet capables de se comporter comme antioxydants et antibactériens, avec une plus grande efficacité de HPP-S qui avait le plus fort DH (15,42% contre 8,14% pour HPP-AL). Ce dernier était choisi pour être utilisé dans le test de conservation et pour la préparation de fractions qui étaient l'objet d'une analyse peptidomique. L'analyse des différentes fractions par couplage UPLC-MS/MS avait révélé que la MM ≤1250 Da et le degré d'hydrophobicité ≥ 50% étaient des caractéristiques communes des antioxydants et des antibactériens
The limited hydrolysis of food proteins leads to the production of peptides with interesting nutritional, functional and bioactive potential. However, this potential depends on the nature of the protein substrates, the specificity of the protease used and the conditions of the hydrolysis reaction. Consequently, we can logically expect to obtain original peptides in terms of their structure, functionality, and bioactivity by making the right choice of these parameters. The work of this thesis initiates the valorization in this field of the muscle of the pataclet fish. In this work, two hydrolysates of proteins from this source were prepared by separate action of savinase (HPP-S) and alcalase (HPP-AL), and their physicochemical, functional and biological properties examined. The peptidomic approach can help to better clarify the relationship between the structure of a peptide and its biological activity. Therefore, we performed peptidomic analysis of the hydrolysates and their fractions. The conditions of the hydrolysis carried out made it possible to produce hydrolysates of Diplodus muscle proteins capable of behaving as antioxidants and antibacterials, with greater efficiency of HPP-S which had the highest DH (15,42% against 8,14% for HPP-AL). This latter hydrolysate was chosen to be used in the conservation test and for the preparation of fractions which were the subject of peptidomic analysis. The addition of HPP-S to ground beef significantly improved the preservation. The analysis of the different fractions by UPLC MS/MS coupling revealed that the MM ≤1250 Da and the degree of hydrophobicity ≥ 50% were common characteristics of antioxidants and antibacterials

Кугук, Ірина Олександрівна, Ирина АОлександровна Кугук, Iryna Oleksandrivna Kuhuk e S. G. Zolotova. "Electricity savings". Thesis, Видавництво СумДУ, 2011. http://essuir.sumdu.edu.ua/handle/123456789/13460.

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Золотова, Світлана Григорівна, Светлана Григорьевна Золотова, Svitlana Hryhorivna Zolotova e V. Kuguk. "Electricity savings". Thesis, Видавництво СумДУ, 2010. http://essuir.sumdu.edu.ua/handle/123456789/17884.

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Electricity accounts for a large portion of most of our monthly bills. It was one of those "modern conveniences" that quickly became necessity, to the point that most have never lived without it and even insist that we couldn't - with good reason because of how most homes are designed. When you are citing the document, use the following link http://essuir.sumdu.edu.ua/handle/123456789/17884

Rossi, Mariacristina. "Essays on savings". Thesis, University of Essex, 2004. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.410793.

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Parveen, Shaila. "Microcredit and Savings". OpenSIUC, 2012. https://opensiuc.lib.siu.edu/dissertations/491.

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The Grameen Bank in Bangladesh has pioneered a credit delivery system with a vision to bring banking services to poor villagers. It extends small collateral-free loans, known as microcredit (or microfinance in broader terms), to group of poor borrowers in order that they may engage in income generating activities. Conventional banks usually do not consider the poor as bankable due to a lack of collateral and the incidence of high costs and risks. Grameen Bank's peer lending methodology has overcome these barriers to provide credit to the poor (www.grameen-info.org). The joint liability condition is one of the prominent features of the group lending methodology introduced by the Grameen Bank in the 1970s. Group lending with joint liability refers to the practice of disbursing loans to individual members within a group while the group as a whole is held liable if any repayment difficulty arises. In chapter 1 we theoretically examine an incentive mechanism in microfinance that may enhance repayment rates without applying the joint-liability condition introduced by the Grameen Bank in Bangladesh. In a two-period model of micro-lending with individual liability, we incorporate a savings scheme as an incentive device to prevent strategic default. Our theoretical analysis shows that a proper savings plan increases the borrower's future consumption, raises her utility and thus provides her with an incentive to repay even the second-period debt under a two-period financial contract. In chapter 2 we incorporate uncertainty into our two-period model of microcredit and savings with individual liability. We theoretically show that the borrower's savings and future consumption in high-income state are higher than those in low income state. Moreover, as the probability of generating high income from an investment project decreases, the interest rate on the borrower's savings to be offered by the lender increases to prevent strategic default. In chapter 3, based on a case study of Association for Social Advancement (a leading microfinance institution in Bangladesh), we empirically explore the impact of female borrowers' savings and male borrowers' savings on financial self-sufficiency and "depth" of outreach of the microfinance institutions. The results of our study highlight the possibility of mobilizing borrowers' savings to enhance the achievement of financial self-sufficiency of the microcredit programs and to improve outreach to poor borrowers. However, we find that female borrowers' savings, not male borrowers' savings (as the cointegrating regression results show) have statistically significant impact on the microcredit program's financial self-sufficiency and "depth" of outreach.

Savvidis, Ioannis. "Power Savings in MPSoC". Thesis, KTH, Skolan för informations- och kommunikationsteknik (ICT), 2009. http://urn.kb.se/resolve?urn=urn:nbn:se:kth:diva-147365.

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High performance integrated circuits suffer from a permanent increase of the dissipated power per square millimeter of silicon, over the past years. This phenomenon is driven by the miniaturization of CMOS processes, increasing packing density of transistors and increasing clock frequencies of microchips, thus pushing heat removal and power distribution to the forefront of the problems confronting the advance of microelectronics. In the opposite direction is the market growth of mainstream portable devices, which require extremely low power consumption. These evolving factors brought power dissipation into play and transformed it into a major design metric. This thesis comprises those knowledge and methodological tools that can offer a preliminary safe path toward less power-hungry SoC and MPSoC designs, thus contributing towards a holistic approach of power-related effects. This is accomplished by providing the essential theoretical background of CMOS power dissipation, investigating a vast range of power saving techniques and plotting their classifications, according to the power components each technique is meant to suppress and, the level of abstraction that it can be applied at, thus facilitating proper decision making about which power saving techniques to apply on a certain design. Moreover, this thesis implements, demonstrates and evaluates generic power analysis and optimization flows that are based on the ASIC industry’s de facto standard Synopsys tools. The tools’ actual capabilities are contrasted to the theoretical expectations and the chief tradeoffs that are involved in terms of speed versus accuracy and attainable power savings versus abstraction level are stressed. Our extracted power results, for an Ericsson’s large ASIC block, show that by putting emphasis on coping with power early, thus enhancing typical synthesis flows with an appropriate set of techniques, significant savings can be achieved for both dynamic and static power components in the front-end synthesis domain.

Boustani, Avid. "Remanufacturing and energy savings". Thesis, Massachusetts Institute of Technology, 2010. http://hdl.handle.net/1721.1/58461.

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Thesis (S.M.)--Massachusetts Institute of Technology, Dept. of Mechanical Engineering, 2010.
Cataloged from PDF version of thesis.
Includes bibliographical references (p. 205-213).
The substantial growth in industrial production, demand for materials, and population has led to an increasing need for sustainable manufacturing processes to mitigate the negative impacts on the environment and meet the needs of future generations. One proposed direction is remanufacturing, which is a process whereby used products having reached their end-of-life, are restored back to useful service-life. Remanufacturing utilizes the energy and embedded value retained in a product upon reaching end-of-life. Remanufacturing can close the loop between disposal and supply chains, extend the service lifetime of products, conserve resources, and help mitigate environmental consequences attributed to landfilling. Moreover, by preserving the geometrical architecture of cores, remanufacturing can reduce the needs for raw material processing and many manufacturing processes, hence, saving energy. A critical issue to consider when evaluating energy savings in remanufacturing is the product use phase: how well does the remanufactured device perform in the use phase compared to a similar new product from an energy standpoint? To answer this question, we utilize Life Cycle Assessments framework. Using this methodology, we quantify cumulative energy demands of a remanufactured product during its lifecycle and compare it to an equivalent new product. We conduct an analysis of lifecycle energy savings of remanufacturing for 19 different products in 8 distinct product case studies (4 product case studies discussed in detail in this thesis).
(cont.) By performing lifecycle evaluations we conclude that remanufacturing can be a net energy-saving option for products that have energy requirements dominated by the production phase. Moreover, our energy analysis sheds light on the importance of considering use phase while evaluating the energy savings potential of remanufacturing. We conclude that from a total life cycle perspective, remanufacturing may be a net energy saving as well as a net energy expending end-of-life option. We argue that in investigating energy savings of remanufacturing as an end-of-life option, one should also evaluate large-scale critical factors in order to effectively address the systems challenges associated with remanufacturing. Our retrospective approach signifies the importance of studying critical factors such as technological improvements, policy interventions, economic incentives, and business models in order to draw inferences about energy and economic savings potential of remanufacturing. In addition, we argue that the generalized claims about remanufacturing as the ultimate end-of-life option are not only subject to dynamic global changes, but also restricted by the limitations in the lifecycle environmental methodologies. Lastly, we conclude that the evaluations for product remanufacturing and energy savings are more valuable and justified if conducted on a case-by-case basis.
by Avid Boustani.
S.M.

Atkins, Leon. "Algorithms for power savings". Thesis, University of Bristol, 2014. http://ethos.bl.uk/OrderDetails.do?uin=uk.bl.ethos.658863.

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The aim of this thesis is to analyse the real-world performance of existing speed scaling algorithms and show how to improve these algorithms by using knowledge of the data the algorithms are running on. The method for doing this was running simulations of different speed scaling algorithms, using both real-world data and simulated data. In addition, the thesis improves the best known competitive ratio for minimising the maximum temperature of a schedule by an order 6f magnitude over previous results. This shows that different algorithms work better on certain types of data than others, and so the input data should be taken into account when choosing a speed scaling algorithm to run. This also means that the best performing speed scaling algorithm is not always that with the lowest competitive ratio, and to achieve the best performance, other factors should be taken into account when choosing which algorithm to run. In addition, an algorithm for minimising the maximum temperature is given. This algorithm is an order of magnitude improvement on the previous best known algorithm, and provides a novel technique for directly analysing the temperature competitiveness of an algorithm. Overall the thesis provides novel methods of improving the real-world performance of speed scaling. It both gives improved results for temperature scheduling, and also gives a new algorithm that can give improved performance on real-world data by taking the input into account. This is in contrast to previous speed scaling algorithms that only use factors such as the number of jobs to decide at what speed to run.

Kuchelmeister, Patrick. "Industrialisation in savings banks : an empirical analysis using the example of German savings banks". Thesis, University of Gloucestershire, 2015. http://eprints.glos.ac.uk/2494/.

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This study examines the notion that the term “Industrialisation” within the banking system is not clearly understood, nor its impact on the whole value added chain. The goal is to establish a clear definition of the term “Industrialisation” in an international context and study the manifestation and impact of Industrialisation across the length of the banking value added chain. Four indicators of Industrialisation (standardisation, automation, specialisation, quality management) were identified through a systematic literature review. The work focuses on one of the ‘three pillars’ of the German banking system: the East German Savings Banks Group. The research uses a homogenous multi method approach utilizing statistical financial information, existing documentary evidence and questionnaires. The data (quantitative and qualitative) was derived from files held by the national association on the 48 savings banks, and from 36 quantitative questionnaires returned by respondent banks. The 36 complete data sets were systematically combined using a comprehensive regression approach. The data was used to test three over-arching hypotheses, each relating to connections between the (generally understood) four stages of the value-added chain, activities related to each stage and indicators of banking success. The research clearly identified that: 1) Industrialisation dominates the savings banks value added chain. 2) Industrialisation augments financial outcomes and ‘perceived success’ in product development, marketing, settlement and transactions. 3) Outsourcing functions are negatively correlated to banking success in these value added stages. 4) Success in risk management was shown to be contingent on settlement and transactions, but no other activities. Automated services, such as self-service terminals and internet banking, are successful in the areas of settlements, transactions, marketing and customer relations. Increasing automation and standardisation can increase the perceived and quantitative measured success within the value added chain. Conclusions & Implications: The developed model extends knowledge in the area of banking and Industrialisation, showing increasing interaction between stages along the value-added chain. The closer the stages, the stronger the effects. The model provides a guide for managerial attention in adding value through Industrialisation techniques in the industry. The management implications of the study are that the savings banks should focus on their core competencies in providing a holistic in-house service in routine transactions, as well as supporting exceptional financing and investment tasks for their clients. To enhance the efficiency of Industrialisation across the value added chain, savings banks should find standards and routines contributing to Industrialisation success in risk management, and seek to comprehensively link the function of risk management to the value added chain stages.

Hulsey, Lukas. "Improving retirement savings through anchoring". Diss., Wichita State University, 2012. http://hdl.handle.net/10057/5584.

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Some have argued that there is a “retirement savings crisis” (Munnell, Webb, & Golub-Sass, 2007). Accordingly, a number of approaches have been attempted to increase savings in defined contribution plans, the most common type of retirement savings plan. One approach that has shown promise is using behavioral economics principles to influence savings behaviors. Realizing that we are not purely rational consumers who make sound financial decisions based solely on numbers, behavioral economics focuses on the ways that internal and external factors influence human decisions. However, current approaches have been only moderately successful in increasing savings, with that success coming at a great expense to the employer. There is a need for simple, inexpensive approaches to getting people to save more for retirement. One potential behavioral economics focused approach that has not been attempted is to use the phenomenon of anchoring and adjustment to influence savings decisions. Anchoring refers to the way people make judgments of amount. They anchor on some initial value, an internal or external cue, and then adjust from it. Three experiments explore how anchoring can be used to influence retirement savings decisions. The first shows that the match threshold of a savings plan influences the amount people contribute to their savings. The second shows that, keeping plan attributes constant, the presentation of a high anchor value induces people to save more. The last explores some potentially fruitful uses of anchoring and adjustment theory that can be exploited when using an electronic enrollment form.
Thesis (Ph.D.)--Wichita State University, College of Liberal Arts and Sciences, Dept. of Psychology

Più fonti

Libri sul tema "Savinase":

Prida, Dolores. Savings. Alexandria, VA: Alexander Street Press, 2005.

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Institute, Chartered Building Societies, a cura di. Savings. Ware, Hertfordshire: CBSI, 1986.

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Kāḷe, Ravīndra. Savinaya vinantī. Nālāsopārā, Pa., Jī. Ṭhāne: Komala Prakāśana, 2007.

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Bauer, Steven. Daylight savings. Salt Lake City: Peregrine Smith Books, 1989.

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Service, Direct Mail Information, a cura di. Savings & investments. London: Direct Mail Information Service, 1998.

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Schroeder, Dennis. Savings mobilization. Madison, Wis., U.S.A: World Council of Credit Unions, 1989.

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Chesworth, Niki. Savings & investments. London: Tesco, 2000.

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Heritage, English, a cura di. Energy savings. London: English Heritage, 1993.

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Hogan, Linda. Savings: Poems. Minneapolis: Coffee House Press, 1988.

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Institutions, United States League of Savings. Savings institutions sourcebook. Chicago: the League, 1985.

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Capitoli di libri sul tema "Savinase":

Olsen, Ole H., Jan T. Pedersenn, Christian Betzel, Susanne Eschenburg, Sven Branner e Sven Hastrup. "An Investigation of the Savinase Water Channel: Implications of Cavity Mutations". In Advances in Experimental Medicine and Biology, 235–41. Boston, MA: Springer US, 1996. http://dx.doi.org/10.1007/978-1-4613-0319-0_25.

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Betzel, Christian, Silke Klupsch, Sven Branner e Keith S. Wilson. "Crystal Structures of the Alkaline Proteases Savinase and Esperase from Bacillus Lentus". In Advances in Experimental Medicine and Biology, 49–61. Boston, MA: Springer US, 1996. http://dx.doi.org/10.1007/978-1-4613-0319-0_7.

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Pettit, Lorren. "Savings". In Assessing the Value of Digital Health, 75–83. Boca Raton : Taylor & Francis, 2018.: Productivity Press, 2018. http://dx.doi.org/10.4324/9781351237611-7.

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Weidemann, Gabrielle. "Savings". In Encyclopedia of Animal Cognition and Behavior, 1–3. Cham: Springer International Publishing, 2019. http://dx.doi.org/10.1007/978-3-319-47829-6_1496-1.

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Weidemann, Gabrielle. "Savings". In Encyclopedia of Animal Cognition and Behavior, 6234–37. Cham: Springer International Publishing, 2022. http://dx.doi.org/10.1007/978-3-319-55065-7_1496.

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Chávez, Kirstin, e Johnathon Pape. "Savings". In Living the Dream, 125–39. New York: Focal Press, 2024. http://dx.doi.org/10.4324/9781003457435-17.

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Belshaw, Horace. "Savings". In Population Growth and Levels of Consumption, 113–23. London: Routledge, 2023. http://dx.doi.org/10.4324/9781003427698-7.

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Leunig, Tim. "Social Savings". In Economics and History, 21–46. Oxford, UK: Wiley-Blackwell, 2011. http://dx.doi.org/10.1002/9781444346725.ch2.

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Hanna, Sherman D., Kyoung Tae Kim e Samuel Cheng-Chung Chen. "Retirement Savings". In Handbook of Consumer Finance Research, 33–43. Cham: Springer International Publishing, 2016. http://dx.doi.org/10.1007/978-3-319-28887-1_3.

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Chakravarty, Sukhamoy. "Optimal savings". In Capital Theory, 206–11. London: Palgrave Macmillan UK, 1990. http://dx.doi.org/10.1007/978-1-349-20861-6_18.

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Atti di convegni sul tema "Savinase":

Grecu, Eugenia. "THE�MERGER�BETWEEN�UNIVERSITY-SCALE�SAVINGS�AND�DE-SAVINGS". In SGEM2012 12th International Multidisciplinary Scientific GeoConference and EXPO. Stef92 Technology, 2012. http://dx.doi.org/10.5593/sgem2012/s23.v3023.

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Gao, Zihan. "Declining Savings: What Influenced Household Savings Rate in China?" In 2022 7th International Conference on Financial Innovation and Economic Development (ICFIED 2022). Paris, France: Atlantis Press, 2022. http://dx.doi.org/10.2991/aebmr.k.220307.024.

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Czerniak, Michael, e Andreas Neuber. "Standardising utility savings". In 2018 29th Annual SEMI Advanced Semiconductor Manufacturing Conference (ASMC). IEEE, 2018. http://dx.doi.org/10.1109/asmc.2018.8373136.

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Daly, Derek P., e Paul V. Salvo. "Cost savings with lasers". In ICALEO® ‘91: Proceedings of the Laser Materials Processing Symposium. Laser Institute of America, 1991. http://dx.doi.org/10.2351/1.5058437.

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Gopinath, R., A. Hargrove e J. Serna-Gonzalez. "SIRS, Sepsis, and Savings". In American Thoracic Society 2019 International Conference, May 17-22, 2019 - Dallas, TX. American Thoracic Society, 2019. http://dx.doi.org/10.1164/ajrccm-conference.2019.199.1_meetingabstracts.a6210.

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Davis, Lynne E., e Joseph Woodland. "Retirement savings plan advisor". In the 15th annual conference. New York, New York, USA: ACM Press, 1987. http://dx.doi.org/10.1145/322917.322925.

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Pavlovic, Milan. "ENERGY SAVINGS BY RECYCLING". In Thermal Sciences 2000. Proceedings of the International Thermal Science Seminar Bled. Connecticut: Begellhouse, 2000. http://dx.doi.org/10.1615/ichmt.2000.thersieprocvol2thersieprocvol1.780.

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Palakvangsa-Na-Ayudhya, Srisupa, Siwakorn Pongchandaj, Setnipat Kriangsakdachai e Kritsada Sunthornwutthikrai. "KeptAom: Savings management system to increase long term savings behavior of children". In TENCON 2017 - 2017 IEEE Region 10 Conference. IEEE, 2017. http://dx.doi.org/10.1109/tencon.2017.8228235.

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Kouyoumdjieva, Sylvia T., e Gunnar Karlsson. "Energy savings in opportunistic networks". In 2014 11th Annual Conference on Wireless On-demand Network Systems and Services (WONS). IEEE, 2014. http://dx.doi.org/10.1109/wons.2014.6814722.

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Kissock, Kelly, e Carl Eger. "Measuring Plant-Wide Energy Savings". In SAE 2006 World Congress & Exhibition. 400 Commonwealth Drive, Warrendale, PA, United States: SAE International, 2006. http://dx.doi.org/10.4271/2006-01-0596.

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Rapporti di organizzazioni sul tema "Savinase":

Mendoza, Pamela, Jonathan Karver e Miguel Székely. Understanding Domestic Saving in Latin America and the Caribbean: The Case of Mexico. Inter-American Development Bank, settembre 2015. http://dx.doi.org/10.18235/0011704.

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Abstract (sommario):

This study addresses why Mexico continues to show below-average economic growth rates in spite of displaying systematically higher domestic savings than other countries in the region. Using the wealth of relevant databases available for the country, the paper finds that a possible explanation is that household savings account for a majority of domestic savings, and that the main instrument used for savings is durable goods, which implies that savings are not directly injected into the financial system for fueling productive investment. The construction of a synthetic panel from household survey data shows that household savings in Mexico have a clear age-increasing trend and have been growing across generations during the past 30 years; it is thus probable that rates will increase in years to come. However, if those savings continue to elude the financial system, their influence on economic growth may remain limited.

Banerjee, Abhijit, Claudia Martínez e Esteban Puentes. The Impact of Subsidy Delivery Method on Savings Behavior: Experimental Evidence. Inter-American Development Bank, novembre 2023. http://dx.doi.org/10.18235/0005259.

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We examine the impact of offering conditional cash transfer (CCT) beneficiaries the choice to receive cash transfers in bank accounts instead of cash. We investigate the effects on savings behavior and downstream outcomes such as assets and trust. We find, on average, no significant impact on overall savings or downstream outcomes. However, among individuals with nonpositive balances prior to the offering, we observe an increase in balances in savings accounts and in the transactional accounts in which the subsidies were initially deposited. These findings underscore the potential of using bank accounts to encourage savings, particularly for individuals with limited prior savings.

Martínez, Claudia. Research Insights: Does the Method of Delivery Matter for Cash Transfers? Inter-American Development Bank, dicembre 2023. http://dx.doi.org/10.18235/0005335.

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Offering conditional cash transfer (CCT) recipients the option of receiving cash transfers in bank accounts, rather than in cash, does not significantly impact total savings or other long-term outcomes such as assets and trust. However, those with no previous balances experience a significant increase in their savings and transactional account balances after receiving the grants. This evidence suggests that transferring subsidies to bank accounts can be an effective means of incentivizing savings for people with no prior formal savings.

Frisancho, Verónica, e Martín Valdivia. Savings Groups Reduce Vulnerability, but Have Mixed Effects on Financial Inclusion. Inter-American Development Bank, dicembre 2020. http://dx.doi.org/10.18235/0002910.

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This paper evaluates the impact of the introduction of savings groups on poverty, vulnerability, and financial inclusion outcomes in rural Peru. Using a cluster randomized control trial and relying on both survey and administrative records, we investigate the impact of savings groups after more than two years of exposure. We find t hat savings groups channel expensive investments such as housing improvements and reduce households' vulnerability to idiosyncratic shocks, particularly among households in poorer districts. The treatment also induces changes in households labor allocation choices: access to savings groups increases female labor market participation and, in poorer areas, it fosters greater specialization in agricultural activities. Access to savings groups also leads to a four-percentage point increase in access to credit among women, mainly driven by access to the groups loans. However, the introduction of savings groups has no impact on the likelihood of using formal financial services.On the contrary, it discourages access to loans from formal financial institutions and microfinance lenders among the unbanked.

Marzani, Matías, Eduardo A. Cavallo e Eduardo Fernández-Arias. Varieties of Saving and Crises. Inter-American Development Bank, giugno 2016. http://dx.doi.org/10.18235/0009294.

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This paper shows, using probit analysis, that low national savings increase the risk of macroeconomic crisis. Foreign savings are a poor substitute of national savings not only for domestic investment (Feldstein-Horioka result), but also for stability. It is found that deeper financial integration does not cure low investment and can improve the situation only to the extent that the risks of the foreign saving portfolio can be kept under control. Overall, a fundamental conclusion is that strong national savings are key for robust growth. Extending the probit analysis, the paper shows that the composition of foreign assets and liabilities matters substantially for portfolio risk and derives an index to assess the associated country risk.

Hurd, Michael. Savings and Bequests. Cambridge, MA: National Bureau of Economic Research, gennaio 1986. http://dx.doi.org/10.3386/w1826.

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Boar, Corina. Dynastic Precautionary Savings. Cambridge, MA: National Bureau of Economic Research, gennaio 2020. http://dx.doi.org/10.3386/w26635.

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French, Eric, John Bailey Jones e Rory McGee. Savings after retirement. The IFS, dicembre 2022. http://dx.doi.org/10.1920/wp.ifs.2022.5322.

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Shonder, John A. Beyond Guaranteed Savings: Additional Cost Savings Associated With ESPC Projects. Office of Scientific and Technical Information (OSTI), giugno 2013. http://dx.doi.org/10.2172/1086643.

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Beshears, John, James Choi, Mark Iwry, David John, David Laibson e Brigitte Madrian. Building Emergency Savings Through Employer-Sponsored Rainy-day Savings Accounts. Cambridge, MA: National Bureau of Economic Research, novembre 2019. http://dx.doi.org/10.3386/w26498.

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