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...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 ask, "Why can't I save for my child's education, instead of taking out another loan...
...require the borrower to have collateral since the MFI's lending decision is based on the household's capacity to pay. Marketing is another relatively new area that has not traditionally been a focus of the microfinance industry. Yet as MFIs increasingly move beyond credit to offer insurance and savings products so that women can save to pay their children's school fees and invest in healthcare for their families, and as the industry becomes increasingly competitive, understanding customer behavior is becoming more important. In this way, microfinance has come to adopt [more traditional] business practices...
...pointed out that the three could have flown commercial that morning for something like $212 each. But let's do the math. Three CEOs being paid millions a year each are going to Washington on a business trip to try to save $300 billion worth of sales and 3 million jobs - and they are supposed to risk all of that on Northwest or US Air, a.k.a. Northworst and Useless Air, formerly Allegheny a.k.a. Agony Air? I see the connection: you fly to D.C. on a previously bankrupt airline as you contemplate the bankruptcy of your own company. The experience should...
...said Lovins, the co-founder of the sustainability-research organization Rocky Mountain Institute. “We are never given the choice of ‘none of the above,’ when all these problems go away if we use energy in a money-saving way.” Comparing present models of the U.S.’s oil and electricity consumption to his own theoretical ones, Lovins’ presentation, “Profitable Solutions to Climate, Oil, and Proliferation,” focused on reducing costs as a means to help the environment. Certain companies...
...consistent opposition to government spending. But it's not as if Republicans in Washington have failed to defend traditional values; they got two conservative Justices on the Supreme Court, passed all kinds of laws restricting abortion and stem-cell research and practically shut down the government to try to save Terri Schiavo. And while it is true that Republicans spent taxpayer dollars like drunken sailors when they controlled all three branches of government - Chambliss was not a notable abstainer - there is little evidence that Americans soured on the GOP because of its profligacy. They don't seem to be crying...