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Today Llosa has a very different marketplace to contend with. Success at Mibanco has piqued the interest of the commercial banks, which historically have shunned the 45% of Peruvians below the poverty line. Now big banks are going after Mibanco's clients with low-rate loans and--realizing it takes special know-how to work with the unbanked--hiring away Mibanco's employees as well. "They are very good competitors," says Llosa...
...flood of new money has come under criticism from longtime microfinance advocates for focusing too much on the largest firms operating in the most profitable countries. According to CGAP, 75% of cross-border funds go to Latin America and Eastern Europe, the world's most developed microfinance markets--the low-hanging fruit. That could leave out the poorest of the world's poor, who are predominantly in Asia and Africa. Says Alex Counts, CEO of the nonprofit Grameen Foundation, which helps develop microfinance institutions: "You might need to invent the microfinance industry all over again...
...Iraq U.S. Death Toll Hits Wartime Low Nineteen U.S. soldiers were killed in Iraq in May, the lowest one-month count since the war began. The drop was attributed to a cease-fire between U.S. forces and Muqtada al-Sadr's militia as well as the troop surge that put 30,000 extra soldiers on the ground in the spring of 2007. Meanwhile, the decline in American casualties comes as Iraqi security forces take on a greater combat role. Coalition forces say 98 Iraqi security personnel were killed in May, along with 553 civilians. "This progress is fragile," a military...
...employee working school hours (8 a.m. to 3 p.m.) five days a week should not be able to collect such information. This task can be delegated to current employees if needed, to avoid having to hire someone else. Even taking into account some practical issues—such as low response rates caused by anything from laziness to a dysfunctional household—the benefits having an alumni registry are greater than the work that goes into actually creating them. This should be a no brainer for all high schools...
...under No Child Left Behind. Actions such as restructuring schools, hiring new teachers, or building new classrooms are all things that cost a lot of money when it comes to improving the standards of schools. But building an alumni registry and connecting generations of students is one of the low hanging fruits that can be afforded by even the poorest of schools...