... depletion 2.1 Land ownership and accessibility to groundwater The distribution of land ownership and the extent of land subdivision and fragmentation affect the development and use of groundwater ... to July, 2009 Table Incidence of Tenancy by Landownership (percentage of land leased out to total land owned by each group) Problems, Perspectives andChallengesof Agricultural Water Management ... water along with land and not only land Thus, there is a complete shift of power relation from the hands of ‘landlords’ to ‘waterlords’ The control and access over groundwater offers scope for...
... job security Offshore Market and Supplier Issues - Formative offshore market - Dependence on supplier-provided information - Limited understanding of suppliers’ true reputation and track record ... inefficiencies and bottlenecks and enhancing workflow using automation and other information technologies, can add additional cost savings as well as faster cycle times and other business benefits Challenges ... Challenges Before launching an offshore development initiative, senior management needs to thoroughly understand the challenges to successful offshoring Major risks and issues include differences...
... High prevalence of hypertension and low level of awareness and treatment of hypertension might have contributed in the higher prevalence of vascular complication.10,11 Burden of noncommunicable ... nutritional status of tea garden workers of Assam with special emphasis on body mass index (BMI) and central obesity J Hum Ecol 2002;13:299-302 16 Morbidity profile and dimension of health problems among ... be risk factors of hypertension BMI more than 25 was risk factor for hypertension and diabetes On the other hand risk of respiratory diseases and cataract increased below a BMI of 18.5 Risk for...
... On the other hand cost of saving at home is high due to physical risk of theft, floods and grabbing hand of the husband For example, a survey on women in Kenya by Anderson and Baland’s (2002) ... in demand of various saving products in Tajikistan” 31 REFERENCES Anderson S and Baland JM, (2002); “The Economics of ROSCAs and Intrahousehold Resource Allocation,” Quarterly Journal of Economics, ... regions of ECA and NIS, Tajikistan Microfinance market is very small in terms of both absolute numbers and penetration rate Table as per attached appendix indicates that majority of microfinance...
... of no-tilling, norotation and no-culture techniques may promote the spread of superweeds in terms of diversity and quantity Shifts in weed communities and the spread of resistant weeds force farmers ... between GM crops and weeds which have relation to crops The ability of plants to breed between and among species allows for the movement of genes among crops and between crops and wild relatives ... feed source of livestock and biofuel for industry activities that have nothing to with meeting the basic food needs of the poor and hungry Feeding the world is the responsibility of not only...
... of cer and the client The replication of this relationship millions of times is one of the key factors making microfinance a significant global force today Take Jesse Cabacheco, a loan of cer of ... third of all deposits and a quarter of total credit portfolio In the late 1990s, Banco Pichincha found itself with excess liquidity and a network of 235 branches, many of them underutilized and ... social and economic challenges if they seek them creatively An excellent example comes from the education services of Equity Bank in Kenya, which contribute to the education of hundreds of thousands...
... operations in Namibia and Botswana, and plans to expand into Uganda and Zambia CompuScan has an Internet-based software platform Its combination of flexible technology, training programs, and focus on ... because of the number of clients covered and the number of data points per client The technology requirements and costs of such a system are significant The difference between negative and positive ... as ATMs and point -of- sale networks, analysis of customer data, and streamlined regulatory reporting Microfinance has specialized needs for software, given the rapid turnover of savings and loan...
... opportunities for local and international IT specialists As microfinance grows, the demand for efficient software and systems grows And as software, IT platforms, networks, and hardware become more ... Open-source software can be adapted by software developers in-country, and a Web-based community supports rapid adoption and ongoing improvements Some providers, such as Temenos and i-flex, provide standardized ... Systems and Banking Software • 125 in Kenya, Tunisia, the Philippines, and other countries SunGard and IBM have contributed to system development and implementation At first, system development and...
... the problemsof scale and informality that characterize most of inclusive finance Microenterprise loans are too small to allow for individual policing, and the informal family businesses of the ... demand, it saw a new set of potential business partners and clients The launching of Citi’s microfinance unit just anticipated the United Nation’s declaration of 2005 as the International Year of ... one of its rural affiliates in 72 hours.15 Product marketing was a first challenge Citi’s standard marketing and branding did not work with Ecuadorian immigrants The elliptical, offbeat messages of...
... customer base It offers quick and easy access to consumer credit based on a simple application and minimal requirements For example, it asks only for proof of address and either proof of income or ... entry of Creditinfo, a small Icelandic credit reporting agency as the owner and operator of the new bureau, and finally to the issuing of the first credit report To most people, the formation of a ... accept M-Pesa as a form of payment, as trust develops in the concept of mobile money If the network of agents expands, it would effectively provide a cheap and effective clearing and settlement system...
... percent of the offering, or 0.2 percent of the bank.7 The IPO involved the sale of approximately 30 percent of the total capital of the company, at an initial price of $3.65 a share The offer yielded ... Association of Kazakhstan, the National Bank, and the Agency for Regulationand Supervision of Financial Markets and Financial Organizations.10 The group decided to follow the format of best practice ... its Web site, offers “wonderful” products and “thrilling” services.1 Of course, it helps that these products and services are profitable and growing Profits, growth, and the thrill of making a social...
... wrote part of Chapter 13 and the Temenos case • 279 • 280 • Acknowledgments • Amitabh Saxena drafted much of Chapters and 12 and wrote the cases on Vodafone and Banco Bradesco • Dandan Wang drafted ... Kumar Panda and Jasmine Mohanty, “Product Mix and Product Innovation of Microfinance in India,” 11 M S Sriram, “Expanding Financial Services Access for the Poor: The Transformation of Spandana,” ... Gabriel Solorzano, chairman of the board of BANEX and formerly president of Findesa, explained that although GRI reporting was initially promoted by external funders and mandated by senior management,...
... and interest, 80–81 microfinance as asset class, 91 supply and demand, 78–80 See also Partnering Subprime lending, 28, 39, 150–151 Sun Life (Canada), 74 Supervision and regulation, 98 Supply and ... Ira, et al., “Microfinance and Capital Markets: The Initial Public Listing/ Public Offering of Four Leading Institutions,” Council of Microfinance Equity Funds, May 2008 “One of the World’s First IPOs ... 2004 Panda, Debadutta Kumar, and Jasmine Mohanty, “Product Mix and Product Innovation of Microfinance in India.” Preamble on ICICI Pru’s Rural Business Inititive, www.iciciprulife.com “Rural and...
... and modify the proof in Hsu [11] We obtain the following precise asymptotic behavior of solutions of (1.1)λ and (2.4)λ at infinity Lemma 3.6 (asymptotic Lemma 2) Let w be a positive solution of ... ≥ and h ≡ 0, it is easy to see that is a subsolution of (1.1)λ By the standard barrier method, there exists a solution uλ > of (1.1)λ such that ≤ uλ ≤ uλ Since is not a solution of (1.1)λ and ... perturbation of simple eigenvalues and linearized stability,” Archive for Rational Mechanics and Analysis, vol 52, no 2, pp 161–180, 1973 [7] I Ekeland, “Nonconvex minimization problems, ” Bulletin of the...
... occupation, duration of symptoms, distribution of lesions, treatment offered and rate of completion of treatment were extracted Data were analyzed using descriptive statistics Results A total of twenty ... therefore often complex and multi-staged (Figures 3, 4, 5, and 7) This on a background of poverty and scarcity of treatment funds posed a further challenge to patient care as a significant number of ... presenting late and majority of the lesions affecting the head and neck, defects following resection were usually complex and affected multiple aesthetic units and or major proportions of single aesthetic...
... President of Public and Government Affairs, PepsiCo and Co-Chairman International Food and Beverage Alliance, 700 Anderson Hill Road, Purchase, New York, USA and 6Director of Heart Health and Global ... business and research and development to expand our offerings of more affordable, nutritionally-relevant products for underserved and lowerincome communities ▪ Reduce the average amount of sodium ... this and each of the companies employ scientists, nutritionists and engineers to develop innovative foods and beverages, and have established processes for internal and external expert and scientific...
... aloud offers opportunities for the study of the links between pronunciation and spelling, of stress and intonation, andof the linking of sounds between words in connected speech - 17 Challenges ... beginnings and ends of syllables” - 19 Consonants can also be described in three ways namely the manner of articulation, the place of articulation and the force of articulation The manner of articulation ... cavity The roof of the mouth Lips (top and bottom) Tongue ( front, middle and back) Teeth(top and bottom) Throat and „voice box‟ When explaining, teachers should use „easy‟ terms Instead of describing...
... Advantages andchallengesof the spray-drying technology for the PT production of pure drug particles and drug-loaded polymeric carriers SC RI Alejandro Sosnik1* and Katia P Seremeta2,3,4 Laboratory of ... average size of 4.73 àm (Figure 14), yield of 68.9%, %EE of 88.7%, %LC of 2% w/w and Carrs index of 28.3 These microspheres released over 90% of its payload PT within 60 in the presence of simulated ... spherical shape and size between 317 and 681 nm with positive zeta potential ranging between +22 and +35 mV The NPs of chitosan of medium molecular weight showed higher %EE of cyclosporine A and more...
... (67 of 131) (22 of 47) 71% 76% 72% 65% (number of patients) (136 of 192) (22 of 29) (88 of 123) (26 of 40) Two-year drug survival (number of patients) 66% (97 of 148) 70% (19 of 27) 69% (66 of ... 45% (number of patients) (104 of 214) (19 of 30) (62 of 133) (23 of 51) ASAS40 responders at six months (number of patients) 46% (97 of 209) 52% (16 of 31) 48% (63 of 131) 38% (18 of 47) BASDAI50 ... 66% 65% (145 of 214) (24 of 30) (88 of 133) (33 of 51) 63% 71% 66% 51% (132 of 209) (22 of 31) (86 of 131) (24 of 47) (number of patients) ASAS20 responders at six months (number of patients)...
... in many tumors including GBM (36) and its regulationoftumor cell motility, invasion and apoptosis have been vastly demonstrated (37-40) Down -regulation of miR-21 or over-expression of its target, ... -3- Table of Contents Table of Contents Summary List of Tables List of Figures List of Abbreviations 10 Chapter 1: Introduction 13 1.1 Discovery, biogenesis and mechanisms of action of microRNAs ... glioma cells and prolongs survival of U87-2M1-bearing mice 76 4.5 Pleiotropic miR-10b regulates a broad range oftumor suppressors 81 4.6 Perturbation of direct and indirect targets of miR-10b...