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The practice of signaling has been studied intensively in the IPO market. Language in IPO brochures was able to reduce investor uncertainty and consequently increased the propensity to invest in the shares of a company. Moss et al. 2015 want to verify whether signaling is also beneficial in the context of microfinance platforms. Borrowers/entrepreneurs could reduce the information gap of investors by signalling unobserved characteristics and intentions with the language used on the Kiva platform in their loan request description. Note that the term borrowers and entrepreneurs are used interchangeably in this blog as well as in the paper of review, and refer the the people receiving the loan. The term investors refers to the people actually providing the loans1 Virtuous Orientation VO, the entrepreneurs positive characteristics toward ethical and virtuous values and behaviours. VO is captured by the constructs conscientiousness, courage, empathy, integrity, warmth, and zeal. 2 Entrepreneurial Orientation EO, reflected in the constructs autonomy, competitive aggressiveness, innovativeness, proactiveness and risk taking. HypothesesThe paper hypothesize the following:H1 VO constructs positively influences probability and speed to get fundedH2 VO constructs positively influences the repayment probability and speedH3 EO constructs positively influences probability and speed to get fundedH4 EO constructs positively influences the repayment probability and speedThe authors argue theoretically that VO and EO should give lenders a positive impression of the entrepreneurs increasing the chance to get funded and paid back. For example, an integer part of VO or innovative part of EO entrepreneur would be more likely to perform better.



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Conversely, when your relationships are healthy and vibrant, you will reap the benefits in profound ways. Learning and building good relationship skills is an essential part of any personal development plan. People who consciously and deliberately build interpersonal skills experience greater satisfaction in relationships of all kinds. Advertising2. Less StressGiven the killer that stress has turned out to be, and how quickly it negatively impacts our overall quality of life, anything that reduces stress would be worth pursuing, dont you think?By making personal development a habit, particularly with regards to stress reduction techniques such as mindfulness practices, you will be better able to identify, manage and even eliminate key sources of stress in your life. 3.



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I also made sure I found a good book editing service to go over it very carefully. I knew marketing and promoting my book would not be easy and quick. I reached out to all sorts of people, investigated many different types of marketing approaches, and I have tried a few different ones. Youll find authors who swear by one or two methods, but no two authors do the same. These are online book promoters. They use their network of contacts to get you placement in blogs, in online magazines, and on blog talk radio shows. They may even do Facebook advertising and press releases too. Some are specific to different geographic locations across the globe. I engaged several of these services and I found each one to be quite good. Each one has their own set of contacts. You can exhaust their contacts within a couple of months and so I needed to use more than one.

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