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Vol. 01 No. 1 Journal Of Microfinance, Journal Of Microfinance Sep 1999

Vol. 01 No. 1 Journal Of Microfinance, Journal Of Microfinance

Journal of Microfinance / ESR Review

No abstract provided.


Measuring Transformation: Assessing And Improving The Impact Of Microcredit, Susy Cheston, Larry Reed Sep 1999

Measuring Transformation: Assessing And Improving The Impact Of Microcredit, Susy Cheston, Larry Reed

Journal of Microfinance / ESR Review

The question of impact assessment is one that continues to plague microcredit practitioners. Some contend that existing impact assessment studies are meaningless, while others maintain they are absolutely necessary. The authors of this paper advocate a renewed focus on the transformation of clients and their communities, as well as a new impact assessment model to support and document this focus. They outline the key principles for conducting impact audits that include measurement of transformation among clients. They also review a series of practitioner-oriented impact assessment tools and outline future challenges for practitioners, donors, and academics in improving performance through impact …


Microenterprise Development In The Heartland: Self-Employment As A Self-Sufficiency Strategy For Tanf Recipients In Iowa 1993-1998, Salome Raheim, Jason J. Friedman Sep 1999

Microenterprise Development In The Heartland: Self-Employment As A Self-Sufficiency Strategy For Tanf Recipients In Iowa 1993-1998, Salome Raheim, Jason J. Friedman

Journal of Microfinance / ESR Review

There has been a significant interest in the microenterprise movement regarding its effectiveness as a welfare-to-work strategy. A decade's worth of program results, demonstration projects, and research strongly suggest that the benefits of microenterprise development for welfare recipients outweigh the costs and risks. The state of Iowa has been a leader in promoting microenterprise development as a welfare-to-work strategy. Iowa was the first state in the US to incorporate microenterprise-development training as an eligible activity in its welfare-reform program. Since 1993, the Iowa Department of Human Services (IDHS) has contracted with the Institute for Social and Economic Development (ISED), a …


Announcements, Journal Of Microfinance Sep 1999

Announcements, Journal Of Microfinance

Journal of Microfinance / ESR Review

No abstract provided.


Are Grameen Replications Sustainable, And Do They Reach The Poor?: The Case Of Card Rural Bank In The Philippines, Hans Dieter Seibel, Dolores Torres Sep 1999

Are Grameen Replications Sustainable, And Do They Reach The Poor?: The Case Of Card Rural Bank In The Philippines, Hans Dieter Seibel, Dolores Torres

Journal of Microfinance / ESR Review

The Grameen Bank in Bangladesh is known worldwide for its success in providing credit to the poor. However, subsequent replications of its methodology in other parts of the world have been less successful. Is there really an infallible solution that works everywhere, and is outreach to the poor compatible with sustainability? A Grameen replicator in the Philippines, the Center for Agriculture and Rural Development (CARD), has recently set itself firmly on the path to sustainability by becoming a formal sector, rural bank—the first credit NGO in the country to do so. During the period, from 1993 to June 1999, CARD's …


Village Banking Dynamics Study: Evidence From Seven Programs, Judith Painter, Barbara Mknelly Sep 1999

Village Banking Dynamics Study: Evidence From Seven Programs, Judith Painter, Barbara Mknelly

Journal of Microfinance / ESR Review

The primary question examined in this study is whether client loans grow or stagnate over time. Loan growth is important to financial sustainability and is also a proxy for positive impact. The relationship between loan growth and a variety of factors--program loan and savings policies, site selection, membership dynamics--are explored in the context of seven village bank programs. The study concludes that on average, loan size did not stagnant but increased steadily, although at a rate lower than the original village bank model projections. Only programs that allowed non-poverty level loans (loans above US$300) approached the original loan growth rate. …


The Impact Of Outcome-Based Assessment On Microenterprise Programs, Margaret A. Johnson, Umasundari Akella, Jule Lalande Sep 1999

The Impact Of Outcome-Based Assessment On Microenterprise Programs, Margaret A. Johnson, Umasundari Akella, Jule Lalande

Journal of Microfinance / ESR Review

The changing environment in the nonprofit sector has subjected microenterprise programs to a new paradigm that emphasizes rationality principles. These principles ask practitioners to increase their outcomes while minimizing costs and to demonstrate that they are doing so with outcome-assessment measurements. This paper presents a case study of what happened to 11 microenterprise programs that adopted outcome assessment. Factors affecting the adoption of outcome assessment were changing norms in the nonprofit sector, demands from state legislators for information on program outcomes, and mandates from funders. A funding formula was implemented; program responses included going along, adopting practices to fit the …


Defying The Odds: Bunking For The Poor, By Eugene Versluysen, Eugene Versluysen Sep 1999

Defying The Odds: Bunking For The Poor, By Eugene Versluysen, Eugene Versluysen

Journal of Microfinance / ESR Review

No abstract provided.


Bringing Development Back, Into Microfinance, Maria Otero Sep 1999

Bringing Development Back, Into Microfinance, Maria Otero

Journal of Microfinance / ESR Review

No abstract provided.


The Microcredit Summit's Challenge: Working Toward Institutional Financial Self-Sufficiency While Maintaining A Commitment To Serving The Poorest Families, David S. Gibbons, Jennifer W. Meehan Sep 1999

The Microcredit Summit's Challenge: Working Toward Institutional Financial Self-Sufficiency While Maintaining A Commitment To Serving The Poorest Families, David S. Gibbons, Jennifer W. Meehan

Journal of Microfinance / ESR Review

Institutional financial self-sufficiency (IFS) is necessary for a microfinance institution (MFI) to obtain the large amount of funds required to reach and benefit truly large numbers of the poor and poorest households. There is no necessary trade-off between serving large numbers of the poorest households and the attainment of IFS by an MFI, as proven by the case studies in this paper. Cost-effective identification of the poor and the poorest women is essential to maximizing the effectiveness and efficiency of providing microfinance services to them. If the service is not exclusively for the poor and the poorest, it should be …


Industrial Resources: Oldham County, Kentucky Library Research Collections Sep 1999

Industrial Resources: Oldham County, Kentucky Library Research Collections

Oldham County

"Resources for Economic Development: Oldham County, [Kentucky]" prepared by the Kentucky Cabinet for Economic Development, Division of Research in cooperation with the Oldham County Office of Economic Development, LaGrange, Kentucky, September 1999. The report includes, but is not limited to, information about: population, labor market, local manufacturing, transportation, utilities, fuel, water, sewage, industrial sites, local government and services, taxes, educational and health facilities, housing, communication, recreation, natural resources, markets, and climate.


Industrial Resources: Whitley County - Williamsburg, Kentucky Library Research Collections Sep 1999

Industrial Resources: Whitley County - Williamsburg, Kentucky Library Research Collections

Whitley County

"Resources for Economic Development: Williamsburg, [Kentucky]" prepared by the Kentucky Cabinet for Economic Development, Division of Research in cooperation with the Williamsburg Economic Development Office, Williamsburg, Kentucky, September 1999. The report includes, but is not limited to, information about: population, labor market, local manufacturing, transportation, utilities, fuel, water, industrial sites, local government and services, taxes, educational and health facilities, housing, communication, recreation, natural resources, markets, and climate.


Industrial Resources: Lee County - Beattyville, Kentucky Library Research Collections Sep 1999

Industrial Resources: Lee County - Beattyville, Kentucky Library Research Collections

Lee County

"Resources for Economic Development: Beattyville-Lee County, [Kentucky]" prepared by the Kentucky Cabinet for Economic Development, Division of Research in cooperation with Beattyville-Lee County Chamber of Commerce, Beattyville, Kentucky, September 1999. The report includes, but is not limited to, information about: population, labor market, local manufacturing, transportation, utilities, fuel, water, sewage, industrial sites, local government and services, taxes, educational and health facilities, housing, communication, recreation, natural resources, markets, and climate.


Industrial Resources: Menifee County - Frenchburg, Kentucky Library Research Collections Sep 1999

Industrial Resources: Menifee County - Frenchburg, Kentucky Library Research Collections

Menifee County

"Resources for Economic Development: Frenchburg, [Kentucky]}" prepared by the Kentucky Cabinet for Economic Development, Division of Research in cooperation with the City of Frenchburg, Frenchburg, Kentucky, September 1999. The report includes, but is not limited to, information about: population, labor market, local manufacturing, transportation, utilities, fuel, water, sewage, industrial sites, local government and services, taxes, educational and health facilities, housing, communication, recreation, natural resources, markets, and climate.


Industrial Resources: Montgomery County - Mount Sterling, Kentucky Library Research Collections Sep 1999

Industrial Resources: Montgomery County - Mount Sterling, Kentucky Library Research Collections

Montgomery County

"Resources for Economic Development: Mt. Sterling, [Kentucky]" prepared by the Kentucky Cabinet for Economic Development, Division of Research in cooperation with the Mt. Sterling/ Montgomery County Industrial Authority, Mt. Sterling, Kentucky, September 1999. The report includes, but is not limited to, information about: population, labor market, local manufacturing, transportation, utilities, fuel, water, sewage, industrial sites, local government and services, taxes, educational and health facilities, housing, communication, recreation, natural resources, markets, and climate.


Industrial Resources: Clinton County - Albany, Kentucky Library Research Collections Sep 1999

Industrial Resources: Clinton County - Albany, Kentucky Library Research Collections

Clinton County

"Resources for Economic Development: Albany (Clinton County), Kentucky" prepared by the Kentucky Cabinet for Economic Development, Division of Research, 1999. The report includes, but is not limited to, information about: population, labor market, local manufacturing, transportation, utilities, fuel, water, sewage, industrial sites, local government and services, taxes, educational and health facilities, housing, communication, recreation, natural resources, markets, and climate.


Industrial Resources - Cumberland County, Kentucky Library Research Collections Sep 1999

Industrial Resources - Cumberland County, Kentucky Library Research Collections

Cumberland County

"Resources for Economic Development: Burkesville (Cumberland County), Kentucky" prepared by the Kentucky Cabinet for Economic Development, Division of Research, 1999. The report includes, but is not limited to, information about: population, labor market, local manufacturing, transportation, utilities, fuel, water, sewage, industrial sites, local government and services, taxes, educational and health facilities, housing, communication, recreation, natural resources, markets, and climate.


Rock 'N Roll Daze 1999: Visitor Characteristics And Expenditure Study, Michael A. Hamley, Norma P. Nickerson Sep 1999

Rock 'N Roll Daze 1999: Visitor Characteristics And Expenditure Study, Michael A. Hamley, Norma P. Nickerson

Institute for Tourism and Recreation Research Publications

Provides expenditure characteristics, economic impacts, and visitor characteristics of attendees to the 1999 Rock 'n Roll Daze event in Missoula, Montana. Areas of examination include demographics, satisfaction levels, reasons for attending, and expenditures by attendees to Rock 'n Roll Daze 1999, a music and cultural festival celebrating the 1950s and 1960s.


Industrial Resources: Hardin County - Elizabethtown, Kentucky Library Research Collections Aug 1999

Industrial Resources: Hardin County - Elizabethtown, Kentucky Library Research Collections

Hardin County

"Resources for Economic Development: Elizabethtown (Hardin County), Kentucky" prepared by the Kentucky Cabinet for Economic Development, Division of Research, and the Elizabethtown/Hardin County Industrial Foundation, Inc., 1999. The report includes, but is not limited to, information about: population, labor market, local manufacturing, transportation, utilities, fuel, water, sewage, industrial sites, local government and services, taxes, educational and health facilities, housing, communication, recreation, natural resources, markets, and climate.


Industrial Resources: Johnson County - Paintsville, Kentucky Library Research Collections Aug 1999

Industrial Resources: Johnson County - Paintsville, Kentucky Library Research Collections

Johnson County

"Resources for Economic Development: Paintsville, [Kentucky]" prepared by the Kentucky Cabinet for Economic Development, Division of Research in cooperation with the Johnson County Fiscal Court, Paintsville, Kentucky, August 1999. The report includes, but is not limited to, information about: population, labor market, local manufacturing, transportation, utilities, duel, water, sewage, industrial sites, local government and services, taxes, educational and health facilities, housing, communication, recreation, natural resources, markets, and climate.


Industrial Resources: Martin County - Inez, Kentucky Library Research Collections Aug 1999

Industrial Resources: Martin County - Inez, Kentucky Library Research Collections

Martin County

"Resources for Economic Development: Martin County, [Kentucky]" prepared by the Kentucky Cabinet for Economic Development, Division of Research in cooperation with the Martin County Economic Development Authority, Inez, Kentucky, August 1999. The report includes, but is not limited to, information about: population, labor market, local manufacturing, transportation, utilities, fuel, water, sewage, industrial sites, local government and services, taxes, educational and health facilities, housing, communication, recreation, natural resources, markets, and climate.


Industrial Resources: Jefferson County - Louisville, Kentucky Library Research Collections Aug 1999

Industrial Resources: Jefferson County - Louisville, Kentucky Library Research Collections

Jefferson County

"Resources for Economic Development: Louisville, [Kentucky]" prepared by the Kentucky Cabinet for Economic Development Division of Research in cooperation with Greater Louisville, Inc., Louisville, Kentucky, August 1999 . The report includes, but is not limited to, information about: population, labor market, local manufacturing, transportation, utilities, fuel, water, sewage, industrial sites, local government and services, taxes, educational and health facilities, housing, communication, recreation, natural resources, markets, and climate.


Industrial Resources: Pike County, Kentucky Library Research Collections Aug 1999

Industrial Resources: Pike County, Kentucky Library Research Collections

Pike County

"Resources for Economic Development: Pike County, [Kentucky]" prepared by the Kentucky Cabinet for Economic Development, division of Research in cooperation with the Pikeville/Pike County Industrial Development Economic Authority, Pikeville, Kentucky, August 1999. The report includes, but is not limited to, information about: population, labor market, local manufacturing, transportation, utilities, fuel, water, industrial sites, local government and services, taxes, educational and health facilities, housing, communication, recreation, natural resources, markets, and climate


Strategic Flexibility In Information Technology Alliances: The Influence Of Transaction Cost Economics And Social Exchange Theory, Candace Ybarra, Margarethe Wiersema Jul 1999

Strategic Flexibility In Information Technology Alliances: The Influence Of Transaction Cost Economics And Social Exchange Theory, Candace Ybarra, Margarethe Wiersema

Business Faculty Articles and Research

Utilizing a model drawn from both transaction cost economics and social exchange theory, we analyze determinants of strategic flexibility in a sample of strategic alliances involved in joint development agreements or joint research pacts. Findings indicate that, in general, determinants suggested by transaction cost economics provided flexibility in modification and inflexibility in exit. From social exchange theory, trust was found to be positively related to both types of flexibility while another component of social exchange theory, dependence, was found to be negatively related to the strategic flexibility of the alliance. Results also found that factors suggested by both transaction cost …


Industrial Resources: Hancock County, Kentucky Library Research Collections Jul 1999

Industrial Resources: Hancock County, Kentucky Library Research Collections

Hancock County

"Resources for Economic Development: Hancock County, Kentucky" prepared by the Kentucky Cabinet for Economic Development, Division of Research, and the Hancock County Industrial Foundation, Inc., 1999. The report includes, but is not limited to, information about: population, labor market, local manufacturing, transportation, utilities, fuel, water, sewage, industrial sites, local government and services, taxes, educational and health facilities, housing, communication, recreation, natural resources, markets, and climate.


Industrial Resources - Floyd County - Prestonsburg, Kentucky Library Research Collections Jul 1999

Industrial Resources - Floyd County - Prestonsburg, Kentucky Library Research Collections

Floyd County

"Resources for Economic Development: Prestonsburg (Floyd County), Kentucky" prepared by the Kentucky Cabinet for Economic Development, Division of Research, and the Floyd County Chamber of Commerce, 1999. The report includes, but is not limited to, information about: population, labor market, local manufacturing, transportation, utilities, fuel, water, sewage, industrial sites, local government and services, taxes, educational and health facilities, housing, communication, recreation, natural resources, markets, and climate.


Industrial Resources: Morgan County - West Liberty, Kentucky Library Research Collections Jul 1999

Industrial Resources: Morgan County - West Liberty, Kentucky Library Research Collections

Morgan County

"Resources for Economic Development: West Liberty, [Kentucky]" prepared by the Kentucky Cabinet for Economic Development, Division of Research in cooperation with the Tri-County Industrial Foundation, West Liberty, Kentucky, July 1999. The report includes, but is not limited to, information about: population, labor market, local manufacturing, transportation, utilities, fuel, water, sewage, industrial sites, local government and services, taxes, educational and health facilities, housing, communication, recreation, natural resources, markets, and climate.


Industrial Resources: Simpson County - Franklin, Kentucky Library Research Collections Jul 1999

Industrial Resources: Simpson County - Franklin, Kentucky Library Research Collections

Simpson County

"Resources for Economic Development: Franklin, [Kentucky]" prepared by the Kentucky Development Cabinet for Economic Development, Division of Research in cooperation with the Franklin-Simpson County Industrial Board, Franklin, Kentucky, July 1999. The report includes, but is not limited to, information about: population, labor market, local manufacturing, transportation, utilities, fuel, water, sewage, industrial sites, local government and services, taxes, educational and health facilities, housing, communication, recreation, natural resources, markets, and climate.


Industrial Resources: Hopkins County - Dawson Springs, Kentucky Library Research Collections Jul 1999

Industrial Resources: Hopkins County - Dawson Springs, Kentucky Library Research Collections

Hopkins County

"Resources for Economic Development: Dawson Springs, Kentucky" prepared by the Kentucky Cabinet for Economic Development Division of Research in cooperation with West Hopkins Industries Dawson Spring, Kentucky, July 1999. The report includes, but is not limited to, information about: population, market, local manufacturing, transportation, utilities, fuel, water, sewage, industrial sites, local, government and services, taxes, educational and health facilities, housing, communication, recreation, natural resources, markets, and climate.


Industrial Resources: Muhlenberg County, Kentucky Library Research Collections Jul 1999

Industrial Resources: Muhlenberg County, Kentucky Library Research Collections

Muhlenberg County

"Resources for Economic Development: Muhlenberg County, [Kentucky]" prepared by the Kentucky Cabinet for Economic Development. Division of Research in cooperation with the Muhlenberg Economic Enterprises, July 1998. The report includes, but is not limited to, information about: population, labor market, local manufacturing, transportation, utilities, fuel, water, sewage, industrial sites, local government and services, taxes, educational and health facilities, housing, communication, recreation, natural resources, markets, and climate.