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...allow micro businesses to start to grow, providing larger, cash-flow based loans than the group might be comfortable counter-guaranteeing. Group lending, where large groups of borrowers are jointly responsible for making sure loans are repaid, is an excellent introduction to finance for micro-entrepreneurs, but the businesses tend to remain quite small, purely income-generating activities that rarely grow to scale. Like group lending, the individual lending methodology does not 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...
...Foreclosures more than doubled in '08 compared to '07, year over year," Zalewski says. Creeping unemployment, tight credit and property devaluation, where the home is worth less than the amount owed on the mortgage, all tend to indicate the problem will only get worse. "Short of a government intervention, I would envision that we continue to grow higher and higher and higher," he predicts. "I wouldn't be surprised if we approached 100,000 [foreclosures"] in 2009, short of government intervention...
...stint studying ashtanga in Cairo, my classmates were either expatriates or Egyptians who had returned from the West. In Beirut, the city's largest yoga center occupied a gorgeous old building in the Christian quarter, and drew a sophisticated mix of Christians and Muslims alike. The Lebanese, however, tend to prefer gym yoga. Attending a yoga class at one of the city's many posh fitness centers means that ministers can chat on their yoga mats, and pop stars can show off their headstands, a convenient way of getting centered and being seen at the same time. (See pictures...
...Wednesday, in a televised press conference Army Commander in Chief General Anupong Paochinda recommended that Somchai resign and call a new election, and that the PAD end all its protests. Since Thailand abolished absolute monarchy in 1932, the army has launched 18 coups?and the words of generals tend to carry weight. But both the PAD and Somchai have rejected the army chief's call. In a televised speech late Wednesday night, Somchai said, "it is not important if I am Prime Minister. But it is important that I protect democracy." Meanwhile, the PAD has refused a court order...
...Administrators fear that students of color will take the hardest hit. Many of these students tend to live in underserved communities, have limited knowledge about how and when to apply for financial aid, and tmake up their minds about college later in the school year. "Those are the students that America needs to reach out to, because they are going to be the workforce of the 21st century," says Reed. "And they will probably be the group that will be the most at risk" of getting squeezed out by an enrollment cap. (See TIME's special report on paying...