This paper reports the results of behavioral economic experiments conducted in Peru to examine the relationship amongst risk preferences, loan take-up, and insurance purchase decisions. This area-based yield insurance can help reduce people's vulnerability to large scale covariate shocks, and can also lower the loan default probability under extreme negative covariate shocks. In a context of collateralized formal credit markets, we provide suggestive evidence that insurance may help reduce the fear of losing collateral that prevents potential borrowers from taking loans. Framing these experiments to recreate a real life situation, we started with a Baseline Game where subjects had to choose between a fallback production project and an uninsured loan. We then introduced a third project choice, loan with yield insurance (Insurance Game), which allows us to measure the effect of introducing...

El estudio propone la implementación de un sistema de terapia móvil potenciado por IA para personas con trastornos de sonidos del habla en Trujillo (2025). Se parte de una ingeniería de requerimientos y se desarrolla un PWA instalable (Chrome/Edge) con ASR (es-PE, fallback es-ES), cálculo de inteligibilidad (1−WER), precisión articulatoria compuesta y fluidez (ppm), además de feedback inmediato, historial, dashboard y exportación/importación CSV. El diseño metodológico es pre–post pareado (n=10; ≈30 días de uso). Las pruebas funcionales confirman el cumplimiento de criterios (cálculo de 1−WER al detener, modo sin ASR operativo y exportación con 8 campos). En resultados, se observan mejoras significativas en inteligibilidad y precisión, con tamaños de efecto moderados-altos, y fluidez dentro de la banda funcional (90–140 ppm). A nivel operativo, la solución ofrec...