Word: savingly
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...rights, the rule of law--these things matter too. "You cannot overidealize what microfinance alone can do," says Clara Akerman, president of the microfinance group WWB Colombia. Most outfits started with lending simply because local laws prohibited nonbanks from offering deposit accounts. When people do have the option to save instead of borrow, saving is often what they prefer...
...money is also expanding the scope of microfinance beyond small loanmaking. As institutions compete for customers, they are rolling out other services. In Mexico, Citigroup has written more than 1 million life-insurance policies in conjunction with Compartamos, and in India it offers customers savings accounts and ATM access in partnership with microfinancier BASIX. "Not everyone will be an entrepreneur, but most of us have to save for something," says Bob Annibale, head of Citigroup's microfinance unit. Microfinanciers around the world are racing to offer the first real micromortgages. "That we are now talking about creating financial systems that...
...program is a major step forward in eliminating socioeconomic barriers to attending college. The initiative—which limits annual tuition payments to no more than 10 percent of income for families making between $120,000 and $180,000 annually—allows families in that bracket to save several thousand dollars in tuition payments per term. Other aspects of the initiative demonstrate a sensitivity to college life for students receiving financial aid: The elimination of ongoing loans gives debt-free students the freedom to pursue opportunities in less financially profitable sectors, and the decision to stop considering home equity...
...women are no longer shipped overseas to fight a war that should never have been waged. We imagine a future in which senior citizens no longer have to cut pills and forgo medicine in order to afford their healthcare. We imagine a future in which we can save our planet and end our dependence on foreign oil. We imagine a future in which we can reclaim the American Dream for all people, of all religions, of all economic status, of all sexual orientations and all racial identities. Ultimately, Obama inspires us to realize that these desirable ends can only...
...Compensation to living kidney donors will save lives by increasing the supply of kidneys available for transplant—but most Americans probably value their kidneys at more than $6,000. Even more effective would be a system that allowed persons who consent to donate their organs upon death to bequeath their compensation. Currently only 35 percent of licensed drivers and ID card holders register to be organ donors. One would expect many more Americans to register if it meant that this would swell the inheritance they leave behind by several thousand dollars...