Word: producted
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Iskenderian: Product diversification came out of a recognition that lending alone is not the solution if our end goal is long-term poverty alleviation, which is why we in the industry no longer talk about microcredit, but microfinance. Many entrepreneurs in the developing world are only one seemingly minor catastrophe - like a hospital stay - away from financial disaster, so housing loans and insurance and savings products help create and preserve assets, leading to broader benefits for the economy as a whole. I can't tell you how many times I've heard women clients in our network...
Iskenderian: It is truly astonishing how the microfinance industry has changed since I began working in the field of international development. Microfinance has really come of age, and I think that many of the trends I mentioned before - from commercialization to product diversification - have all played a part in this transformation. But as I said before, to take full advantage of microfinance's potential, it is also important for the industry to continue to innovate and evolve. One of the most significant changes has been the move from group to individual lending - an area that Women's World Banking...
Unlike its Japanese rivals, GM saw its sales decline begin way back at the beginning of the year, when its truck-heavy product lineup began to sag in the face of higher gasoline prices. So for the first 11 months of 2008, GM's sales have fallen 21.9%. While that is comparable to Ford and Chrysler (down 20.6% and 27.7% respectively), it's far worse than Asian competitors. Toyota is down 13.4% this year, Honda has declined just 5.4%, and Nissan has shrunk by 9.1%. They will be far better positioned to rebound once the market recovers...
...when the U.S. is in a recession, announced yesterday that the last peak in economic activity occurred in December 2007, marking that month as the start of the current recession. The committee pinpointed the month when U.S. growth dipped into negative territory by using monthly indicators including gross domestic product and consumption measures, most of which have plunged in recent months. MIT economics professor James M. Poterba ’80, the president of the NBER and a member of the business cycle committee, said yesterday that payroll employment is the strongest indicator in determining the highest point of economic...
...course, résumés are genuinely important down the line, and a rewarding college experience in many cases doesn’t preclude coming away with a good one. But students’ too-common error is to excessively focus on the final product, and unwittingly abandon other crucial aspects of college life. Even within the competitive environment at Harvard, it’s essential that activities and classes be treated as rare opportunities for intellectual and personal growth. If we do otherwise, we may not drown with Narcissus, but we will end up facing the world with...