Business Commons^™

Implications Of Financial Innovations For The Poorest Of The Poor In The Rural Area: Experience From Northern Bangladesh, Mohammed Emrul Hasan

Journal of Microfinance / ESR Review

Providing microfinance to the poorest of the poor in rural areas remains a challenge. Grameen demonstrated that the poor are viable clients for loans and reached them on a massive scale. However, they reach only the upper level of the poor and provide narrow and limited financial services with rigid systems and procedures, which in many ways do not address the needs of the poorest. Despite earning signs of success with their SafeSave innovative approach to serving the poorest in the urban area, this rural adaptation and experiment has faced challenges because of the different social and economical structures of …

A Challenge To The Orthodoxy Concerning Microfinance And Poverty Reduction, Ana Marr

Journal of Microfinance / ESR Review

As a response to many partial and simplistic theoretical and empirical studies, this paper presents a more comprehensive analytical framework to assess the success of microfinance in achieving its dual objectives of financial sustainability and poverty reduction. By giving center stage to the study of group dynamics and using principles of imperfect information and social psychology, the paper argues that microfinance not only has failed to solve the original problems of information asymmetries between borrowers and lenders but also, in its pursuit of financial sustainability, is destroying the very foundations of these schemes by disrupting the social fabric of communities, …

Attitudes Of Rural Branch Manages In Madhya Pradesh, India, Toward Their Role As Providers Of Financial Services To The Poor, Howard Jones, Marylin Williams, Yashwant Thorat, Abba Thorat

Journal of Microfinance / ESR Review

Discussions on banking reforms to reduce financial exclusion have referred little to possible attitudinal constraints, on the part of staff at both branch and institutional levels, inhibiting the provision of financial services to the poor. The research project, funded by the ESCOR (now Social Science Research) Small Grants Committee, has focused on this aspect of financial exclusion. The research commenced in May 2001 and was completed in April 2002. Profiles of the rural bank branch managers, including personal background, professional background and workplace, are presented. Attitudes of managers toward aspects of their work environment and the rural poor are examined, …

Beyond Micro-Credit: Putting Development Back Into Micro-Finance By Thomas Fisher And M. S. Sriram, James R. Bradshaw

Journal of Microfinance / ESR Review

No abstract provided.

Balancing Supply And Demand: The Emerging Agenda For Microfinance Institutions, Thankom Arun, David Hulme

Journal of Microfinance / ESR Review

No abstract provided.

Front Matter, Journal Of Microfinance

Journal of Microfinance / ESR Review

No abstract provided.

Announcements, Journal Of Microfinance

Journal of Microfinance / ESR Review

No abstract provided.

Money Talks: Conversations With Poor Households In Bangladesh About Managing Money, Stuart Rutherford

Journal of Microfinance / ESR Review

This paper describes the money management behavior of 42 low-income Bangladeshi households, half of them rural and half living in urban slums. They were found to be active managers of their financial resources. Thirty-three varieties of financial instrument were found to be in use by the sample households during the research year. As well as using a wide variety of instruments, most households engaged in multiple uses of the instruments: on average each household initiated a new money management arrangement every two weeks. The sums of money involved are large, both absolutely and relative to incomes. The average “turnover” (the …

Vol. 05 No. 2 Journal Of Microfinance, Journal Of Microfinance

Journal of Microfinance / ESR Review

No abstract provided.

I Love Smu: Heart, Life, Passion, Soul [Advertisment], Singapore Management University

SMU Press Releases and News

Celebrating the unconventional, the intriguing, the undaunted. Experience the SMU spirit. Heart: Jenny Foo; Life: Tan Chee Wee; Life: Joven Lai; Soul: Jeremy Nguee; Passion: Richard Ho, Johny Tay.

Advertisment

Because A Better World Is Possible: Women Casino Workers, Union Activism And The Creation Of A Just Workplace, Susan Chandler

The Journal of Sociology & Social Welfare

Based on a re-analysis of data from a qualitative study of the work experience of 36 women casino workers, this article examines the contributions and personal characteristics of the 13 women in the sample who described themselves as committed union activists. These women, all leaders in the Hotel Employees, Restaurant Employees Union, were proud that collectively they had improved wages, benefits, and the conditions of work in Nevada casinos, and had created an environment that reinforced pride in a job well-done, provided job security, and promoted strong families and communities. These women's workplace experience serves as a reminder to the …

Inside Unlv, Gian Galassi, Katrina Hudak, Carol C. Harter, Eric Sandgren, Tom Hagge

Inside UNLV

No abstract provided.

Rural Finance, Poverty Alleviation, And Sustainable Land Use: The Role Of Credit For The Adoption Of Agroforestry Systems In Occidental Honduras, Ruerd Ruben, Luud Clercx

Journal of Microfinance / ESR Review

This paper analyzes the relationship between financial services provided by different agents, the adoption of agroforestry systems, and the implications for food security and sustainable soil management. Attention is focussed on the role of rural finance in reducing risk and stabilizing household income and yields. We conclude that credit provision performs critical functions for reinforcing the resilience of rural livelihoods in less-favored areas. Rural development programs in the Occidental region of Honduras have been rather reluctant to provide rural financial services. Unfavorable agroclimatic conditions and the scarcity of infrastructure lead to extreme poverty. The local economy is fairly dynamic due …

2003 December, Office Of Communications & Marketing, Morehead State University.

Morehead State Press Release Archive, 1961 to the Present

Morehead State University press releases for December of 2003.

Changing Patterns X: Mortgage Lending To Traditionally Underserved Borrowers And Neighborhoods In Greater Boston, 1990-2002, Jim Campen

Gastón Institute Publications

The present study is the latest in a series of annual updates of the original report, Changing Patterns: Mortgage Lending in Boston, 1990-1993. Beginning in 1998, the reports’ geographic scope was expanded to include an examination of mortgage lending patterns in 27 cities and towns surrounding the city of Boston. In this year’s report, the geographic coverage has been further expanded t o include a total of 108 communities.

This introduction is followed by ten pages of text that identify some of the most significant findings that emerge from the extensive set of tables and charts that constitute the …

Ua12/2/1 Ballin': Hilltopper Basketball 2003, Wku Student Affairs

WKU Administration Documents

Special edition of the College Heights Herald regarding basketball.

• Buckman, Josh. Road to NCAA Filled with Challenges
• Schoenbaechler, Danny. Paul Sanderford Returning to Bench
• Casagrande, Michael. Camryn Whitaker, Todor Pandov Return After ACL Rehab Sessions
• Casagrande, Michael. Post Players Don’t Stand Tall
• Wilberding, Beth. After Three Years of Change, Seniors Ready to Lead by Example
• Buckman, Josh. Women’s Schedule Dotted with Southeastern Conference Foes
• North, Amber. Towering True Centers Give Foes Reason for Concern
• Schoenbaechler, Danny. The Chosen One – Darrin Horn

The Problem Of Unwanted Pets: A Case Study In How Institutions “Think” About Clients’ Needs, Leslie Irvine

Pets Collection

The research on organizational framing and the metaphor of institutional “thinking” highlight the ways that social problems organizations shape the ameliorative services they deliver. Social problems work then perpetuates representations of problems that may not match the conditions clients face. This study extends social problems literature to argue that organizations sometimes “think” differently about the problems they intend to solve than do persons involved with these problems in everyday life. Using ethnographic research and interviews, this article contrasts the way in which animal sheltering, as an institution, frames the problem of unwanted animals with how the public interprets that problem. …

Benchmarking Study Of The Small Business Environment In Saginaw County, George A. Erickcek, Brad R. Watts

Reports

No abstract provided.

2003 November, Office Of Communications & Marketing, Morehead State University.

Morehead State Press Release Archive, 1961 to the Present

Morehead State University press releases for November of 2003.

Sme Financing – Issues And Prospects, Ishrat Husain Dr.

Faculty Research - Talks, Speeches, & Discourse

I would like to congratulate SMEDA on bringing together all the stakeholders together to discuss the issue related to financing of SMEs in Pakistan. I have listened to the presentations and also the interventions from the floor very carefully. Let me therefore share my thoughts with you on this important topic. We should start with the basics. As you have heard, from the presentations this evening, there is a tremendous demand of bank credit by the SMEs who are at present meeting most of their financing needs through friends, relatives and other informal sources. At the same time the banks …

Ua12/2/1 Careers, Wku Student Affairs

WKU Administration Documents

Special edition of the College Heights Herald regarding job searches and employment.

• McDowell, Dedra. Careers
• Sainlar, Lindsay. Employers Want Star Qualities
• Lester, Kevin. Career Services Center Useful for Students
• Hagan, Laura. 22 Percent of Employers Will Increase Hiring
• Mason, Kristy. Expo Might Help Freshman
• Pike, Daniel. Job Search Getting Less Appealing
• Toone, Stephanie. Applicants Must Start Searches Early

Human Resource Management In Practice: A Case Study Of State Bank Of Pakistan, Ishrat Husain Dr.

Faculty Research - Talks, Speeches, & Discourse

I am happy to address this august gathering of Human Resource Professionals. I had two options this morning. The first was to repeat the clichés and platitudes about the importance of human resource management in economic development and for organizational effectiveness. But considering that all of you are highly qualified practitioners in this field. I thought you would find this kind of address boring and unsatisfactory. Therefore, being faithful to the theme of this Conference I decided to present a case study at this session. Without being self-serving, I would like to share the lessons we have learnt during the …

Partnerships Of Nonprofit Organizations And Business For The Development Of Community Social Welfare Activities: The American Experience, Roger A. Lohmann

Faculty & Staff Scholarship

Partnerships between traditionally non-profit social services (the theme of the conference), funded by various donative arrangements and subsidized by government contracts, and any type of commercial business ventures are still relative rare in the mainstream of U.S. social work today. We can identify three distinct positions on the question among scholars in the U.S. today: A general management perspective found in business schools, a public affairs perspective found in schools of public administration, and two perspectives among social workers. The vast majority of those social work have undoubtedly never heard of this issue. Yet, a very small portion of social …

Responsible Leadership - The Ethic Of Right Behavior (Wausau, Wi), C. William Pollard

C. William Pollard Papers

Speaking at the 2003 Wausau Luncheon and Excellence in Leadership Forum (Wausau, WI), Pollard calls on business leaders to run their organizations as moral communities oriented to the "development of human character."

Responsible Leadership - The Ethic Of Right Behavior (River Forest, Il), C. William Pollard

C. William Pollard Papers

Speaking at the Concordia Business Friends Breakfast, Pollard calls on business leaders to run their organizations as moral communities oriented to the "development of human character."

A Meta-Analysis Of Government-Sponsored Training Programs, David H. Greenberg, Charles Michalopoulos, Philip K. Robins

Economics Articles and Papers

This study uses meta-analysis to synthesize findings from 31 evaluations of 15 voluntary government-funded training programs for the disadvantaged that operated between 1964 and 1998. On average, the earnings effects of the evaluated programs seem to have been largest for women, quite modest for men, and negligible for youths. For men and women, the earnings effects of training appear to have persisted for at least several years after the training was complete. Classroom skills training was apparently effective in increasing earnings, but basic education was not. There is no evidence that more expensive training programs performed better than less expensive …

The Slow Pace Of Disbursement Of The Small And Medium Industries Equity Investment Scheme (Smieis) Fund And The Need For Remedial Measures, C. M. Anyanwu, B. S. Adebusuyi, B. O. Okafor

CBN Occasional Papers

The objectives of this paper are to investigate the reasons for the slow pace of investment under the scheme and proffer measures that would address the identified problems. The paper is organized into seven sections to achieve these objectives. Following this introduction, an overview of SMIEIS is done in section 2, while section 3 contains the operations of the Scheme to date. The empirical investigation is discussed in section 4 and the constraints on the implementation of SMIEIS are highlighted in section 5. This is followed by the suggested remedial actions in section 6 and the paper is concluded in …

Political Barriers And The Transmission Of Monetary Policy Across States: The New England Antebellum Banking Market, Andrew J. Economopoulos

Business and Economics Faculty Publications

The New England antebellum banking market was examined to understand the interaction of political ideology and economic forces. With each state controlling bank entry, hence the money supply, political ideology could impede the supply of money within a state. However, the monetary forces from neighboring states may have influenced the degree to which parties held true to their political ideology. The results indicate that political ideology was an effective barrier in two of the six states, while three states were responsive to neighbor states' monetary policy regardless of political ideology. These states responded by creating new banks, raising existing capital …

A Comparative Analysis Of The Rationality Of Consensus Forecasts Of U. S. Economic Indicators, David C. Schirm

Economics & Finance

The purpose of this article is to investigate the rationality of two survey forecasts of selective U. S. macroeconomic performance measures that were widely followed in the financial markets during the 1990-2000 period. The research compares the rationality of survey forecast data from Money Market Services, Inc., and Thomson Financial. This article extends prior research that has evaluated the rationality of Money Market Services data for earlier time periods while also evaluating similar consensus forecast data from Thomson Financial that were widely reported in both Barron's and the Wall Street Journal during the 1990s.

Santa Clara Magazine, Volume 45 Number 2, Fall 2003, Santa Clara University

Santa Clara Magazine

12 - 'A FAVORITE ABODE OF SCIENCE' By Elizabeth Kelley Gillogly '93. A new exhibit of Santa Clara University's scientific equipment from 1851-1900 reveals the Jesuits' early dedication to scientific inquiry, and the ways in which the University contributed to the history of science.

14 - COMING HOME By Mitch Finley '73. More than 60 million Americans are Catholic, but millions of them are estranged from the Church. More often than you might think, however, "lapsed Catholics" decide to come home to the Church. Why did they leave? And what brings them back?

18 - STUDENTS TO THE RESCUE By …