the joys and challenges of parenting

... in the public mind, in light of the role of mortgage-backed CDOs in the financial-sector crisis of 2008 With the onset of the crisis, the rate of new CDOs to finance microfinance fell to a standstill ... and have firsthand exposure to the MFIs For these reasons they are the most suitable investors in the long run, and their importance will rise as the markets in countries like India, Brazil, and ... consumers, as in the case of the subprime mortgage debacle in the United States, the damage can spread far beyond a single offending bank It tarnishes the reputation and the returns of the entire sector...

Ngày tải lên: 20/06/2014, 23:20

... 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 ... areas of northern Mozambique, deep in the rain forest of New Guinea, and in other remote places, there are still people who barely participate in the cash economy But for the vast majority of the ... community The women paid close attention as the Swadhaar of cial filled out the account-opening paperwork and explained the system Then they moved to the ATM to register their fingerprints When I saw the...

Ngày tải lên: 20/06/2014, 23:20

... grows, the demand for efficient software and systems grows And as software, IT platforms, networks, and hardware become more sophisticated, financial services improve and expand 14 BUILDING THE MARKET ... debt and/ or equity funds that specialize in microfinance and sometimes other forms of social investing At the end of 2007 there were 91 MIVs with $5.4 billion under management.3 The growth of these ... million, and are just some of the better known of the transactions carried out in the past few years The first MIV, the equity fund ProFund, was created in 1995 by socially responsible investors and...

Ngày tải lên: 20/06/2014, 23:20

... is the hardest nut of social-performance monitoring, because of the problem of attribution With tools like the PPI, lenders can tell whether loans are reaching the poor, and even whether the ... champion in the bank, and other strong supporters From the beginning, one of the bank directors led the project, and three key executives were on the board of Credifé A general manager from the bank’s ... directed at the press (and hence full of lofty sentiment), the remarks made on the occasion reveal the importance of such access to this isolated settlement of about 2,000 people One of the senators...

Ngày tải lên: 20/06/2014, 23:20

... established the country’s first credit bureau, to the 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 ... disburse pension and social grants in cash in four provinces.8 At the time, Absa had the most ATMs and one of the largest branch networks of any bank in the country, and 60 percent of the market for ... manage, expensive, and inefficient Often, the wrong people got the deliveries and the right people went hungry The Dominican Social Subsidies Administration (ADESS), together with and other Dominican...

Ngày tải lên: 20/06/2014, 23:20

... Although the average order requested was 6.5 percent of the total offering, the average order filled was only 0.6 percent of the offering, or 0.2 percent of the bank.7 The IPO involved the sale of approximately ... created high demand Compartamos stood out as one of the fastest growing MFIs in the region With 187 service of ces operating in 29 of the 32 Mexican states at the time of the IPO, and over 600,000 ... the banks were expanding rapidly.16 They decided to hold an international tender for a technological partner They were less concerned about the price than the quality and usefulness of the software...

Ngày tải lên: 20/06/2014, 23:20

... Bankers and Investors internship with the bank, and successful interns can work with the bank after graduation The program supports students financially during their stints at the bank and during their ... Table 2004 11 GRI and Triodos Bank, Key Indicators Today, the GRI is headquartered in the Netherlands and works in cooperation with the United Nations Environmental Program and the United Nations ... provided input for the BRAC and Sequoia cases • Rachna Handa prepared early drafts of Chapter and the BRAC, Sequoia, and Credit Suisse cases • Emily Howells drafted the ANZ Bank case and did research...

Ngày tải lên: 20/06/2014, 23:20

... “Rural and Agri Banking,” ICICI Bank—Banking Services, ebusiness.icicibank.com Sriram, M S., “Expanding Financial Services Access for the Poor: The Transformation of Spandana,” Indian Institute of ... 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 ... Survey,” The Economist, November 3, 2005 The Microfinance Information Exchange, www.themix.org “Microfinance: Taking Root in the Global Capital Markets,” Standard & Poor’s, June 2007 “Microfix: The Micro...

Ngày tải lên: 20/06/2014, 23:20

... Union and the countries of the Cooperation Council for the Arab States of the Gulf, to allow industry to react according to the different needs and concerns of different Member States rapidly and ... Network, supporting the implementation of the WHO NCD Action Plan At the latest meeting of NCD-Net, the WHO Director General and Klaus Schwab, Executive Chairman of the WEF expressed their strongest ... on the concepts of "nutrients to limit" and "nutrients and food groups to encourage," and serve as the practical translation of nutrition science and dietary recommendations for marketers and...

Ngày tải lên: 11/08/2014, 14:21

... contributed to the design and implementation of the program DOB and CH contributed to the data collection and analysis All the authors contributed to the concept, writing and editing of the manuscript ... active in the development of a HIV positive support group whose aims included holding the MoH and NACP accountable for the availability and quality of the ongoing HIV program Challenges for the future ... of failing to understand the importance and benefits of PMTCT, a fear of harm to women being diagnosed HIV positive, lack of experience with PMTCT, and busy workload In addition, the number of...

Ngày tải lên: 13/08/2014, 13:21

... are aware of the theoretical backgrounds of the pronunciation matter they are going to teach, of the techniques and activities they should use to make their teaching more understandable and effective ... ways namely the manner of articulation, the place of articulation and the force of articulation The manner of articulation refers to the interaction between the various articulators and the air stream ... and students Design of the study The study is divided into three parts The first part “Introduction” presents the rationale, the aim and objectives, the scope, the methods, significance and the...

Ngày tải lên: 30/03/2015, 13:59

... evaluate the effect of the formulation components and the spray-drying process on the PT immunogenicity of the HAC1 vaccine Based on the in vitro evaluation of the antigen RI content (process loss and ... adjust the solubility of the polymer and the drug and the boiling point that results in particles with the desired properties In the latter case, the advantage of water is associated with the non-toxicity ... is the concentration of a substance in solution, t is the time, dC/dt is the PT dissolution rate, D is the diffusion coefficient of the substance, S is the surface area of RI the solid, V is the...

Ngày tải lên: 02/09/2015, 13:31

... relative importance of the various kinds of data written to disk, both in terms of how much of the live blocks they occupy on disk and in terms of how much of the data written to the log they represent ... delay the cleaning a while and let more of the blocks die in the current segment The value of a segment’s free space is based on the stability of the data in the segment Unfortunately, the stability ... writes, then reads the file back sequentially, then writes 100 Mbytes randomly to the existing file, then reads 100 Mbytes randomly from the file, and finally reads the file sequentially again The bandwidth...

Ngày tải lên: 12/09/2012, 15:05

... very specialized audience State -of -the- art researchers need this kind of detailed mathematics to understand the theoretical implications of the work A basic premise of this book is that most practical ... word in the incoming audio signal is isolated and then analyzed to identify the type of excitation and resonate frequencies These parameters are then compared with previous examples of spoken ... away at the speed of light Aircraft in the path of this wave will reflect a small portion of the energy back toward a receiving antenna, situated near the transmission site The distance to the object...

Ngày tải lên: 13/09/2012, 09:49

... patterns Whether these are activated depends on the social demands placed on the individual by the way of life of their community These determine the situational contexts evocative of the social ... see the rise of psychology and the application of its psychometric methods to the study of social phobia The first scale for the measurement of social anxiety À the psychological construct at the ... if the above definitions of the two terms and the distinctions drawn between them were of interest and perhaps of some clinical value, they would hardly be meaningful so far as research and theory...

Ngày tải lên: 21/09/2012, 10:54

... referral) may depend on the nature of the condition, whether the referral is for reasons of diagnosis and/ or treatment, the preference of the provider, and the relationship between the providers Medical ... situation, that the point of referral may depend on the familiarity or relationship between the providers, and that the nature of the referral (e.g., amount and type of information accompanying the referral) ... group composed of both chiropractic and medical professionals The goals of the focus group were to explore the attitudes and experiences of medical and chiropractic clinicians regarding their patients...

Ngày tải lên: 25/10/2012, 10:06

... Department of State A few of the groups on the official list, however, are guerrilla organizations These include the FARC, the LTTE, and the PKK To be sure, the FARC, the LTTE, and the PKK engage ... communications, and so forth Whereas the skills of the elite terrorist commandos of the 1960s and 1970s were often limited to what they learned in training camp, the terrorists of the 1990s who ... justification for their killing of other Jews was that these killings demonstrated the consequences of the immorality of collaborating with the Roman invaders, and that the Romans could not protect their...

Ngày tải lên: 07/11/2012, 14:21

... criteria of good tests and theoretical ideas on test reliability and validity as well as achievement tests Chapter 3- The study is the main part of the thesis showing the context of the study and the ... assessment of the test reliability and validity These conclusions are as follows: The test with chosen items is compatible with the aims of the courses and the objectives of the syllabus and the test ... kind of software in a server Before the examinations, the person who is in charge of preparing the tests will use the software to mix the test items in the item bank and print out the tests All the...

Ngày tải lên: 07/11/2012, 15:05