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Full-Text Articles in Social and Behavioral Sciences

The New Microfinance: An Essay On The Self-Help Group Movement In India, Kim Wilson Sep 2002

The New Microfinance: An Essay On The Self-Help Group Movement In India, Kim Wilson

Journal of Microfinance / ESR Review

Indian NGOs have created at least one million self-help groups with 17,000,000 members since the self-help group concept was developed by MYRADA in the late 1980s. India is unique in that banks are permitted to lend directly to unregistered self-help groups and by May 2001, banks and cooperatives had financed 461,478 of these groups, with almost 200,000 new self-help groups financed between May 2000 and May 2001, indicating an accelerated process of expansion. The National Bank for Agriculture and Rural Development (NABARD) trains banks and refinances their loans. The key to NABARD's success is decentralization. Responsibility for group development and …

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Evaluation And Microenterprise Programs In The United States, Mark Schreiner Sep 2002

Evaluation And Microenterprise Programs In The United States, Mark Schreiner

Journal of Microfinance / ESR Review

Microenterprise programs attempt to help poor people start or strengthen small businesses. Funding and political support have grown rapidly. Is microenterprise a good use of scarce development funds? Unfortunately, most evaluations have been case studies in what not to do. Because benefits and costs cannot be measured completely nor with perfect certainty, rigorous evaluations should support their necessarily subjective judgements with logic and explicit assumptions. The usefulness of an evaluation lies not in its (apparent) incontrovert-ibility but rather in its clarity of assumptions and in its openness to meaningful review and critique.

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A Symposium On Savings-Led Microfinance And The Rural Poor, Jeffrey Ashe Sep 2002

A Symposium On Savings-Led Microfinance And The Rural Poor, Jeffrey Ashe

Journal of Microfinance / ESR Review

No abstract provided.

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Pact's Women's Empowerment Program In Nepal : A Savings- And Literacy- Led Alternative To Financial Building, Jeffrey Ashe, Lisa Parrott [email protected] Sep 2002

Pact's Women's Empowerment Program In Nepal : A Savings- And Literacy- Led Alternative To Financial Building, Jeffrey Ashe, Lisa Parrott [email protected]

Journal of Microfinance / ESR Review

Pact's Women's Empowerment Program (WEP) in Nepal operated through 6,500 groups with 130,00 women members. These groups mobilized nearly $2,000,000 of assets in less than three years with 94% on loan to 45,000 group members. By mid 2001, WEP had as many outstanding loans as CARD in the Philippines and Compartamos in Mexico, two very well known "credit-led" microfi-nance institutions, while working through three times as many groups. In addition, 65,000 group members learned to read through Pact's innovative curriculum that focused exclusively on managing a group, starting a business, and women's empowerment. WEP was implemented by 240 partners (most …

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End Matter, Journal Of Microfinance Sep 2002

End Matter, Journal Of Microfinance

Journal of Microfinance / ESR Review

No abstract provided.

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Ashrai: A Savings-Led Model For Fighting Poverty And Discrimination, Brett Matthews, Ahsan Ali [email protected] Sep 2002

Ashrai: A Savings-Led Model For Fighting Poverty And Discrimination, Brett Matthews, Ahsan Ali [email protected]

Journal of Microfinance / ESR Review

Ashrai is getting results with a savings-led model among minority peoples in northwest Bangladesh. These people are mostly landless and illiterate, and earn about $50 a year per person. They are a vital population segment that microfinance institutions in Bangladesh and elsewhere are unable to serve successfully. Ashrai began its field work ten years ago by replicating Grameen Bank, but rapidly learned from its clients that they needed savings at least at much as loans, flexible loan repayment schedules structured around seasonal cash flow, and an easing of the requirement that loans be for productive purposes. Ashrai takes an innovative …

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The Economic Feasibility Of Forming A California Wheat Cooperative, Jay E. Noel, James J. Ahern, David J. Schaffner, Jill Johnson, Kristina Muelrath, Kyle Schroeder Sep 2002

The Economic Feasibility Of Forming A California Wheat Cooperative, Jay E. Noel, James J. Ahern, David J. Schaffner, Jill Johnson, Kristina Muelrath, Kyle Schroeder

Agribusiness

Recent concerns relative to California farm gate prices for wheat and a lack of profitability in wheat production has been expressed by a group of California wheat growers. Their dissatisfaction has resulted in their consideration to form a California wheat grower cooperative. The cooperative would become the marketing agent for the growers and potentially allow growers to pool their production for greater market power as well as capture profits beyond the farm gate. Two feasibility issues are addressed by the study: 1) The organizational feasibility of forming the cooperative, and 2) The economic feasibility of a California wheat growers cooperative …

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Civic Impressions, Civic Culture And Information Factors In Border Settings: Findings From El Paso/Ciudad Juárez, Dennis L. Soden, Janet S. Conary, Christine Thurlow Brenner Sep 2002

Civic Impressions, Civic Culture And Information Factors In Border Settings: Findings From El Paso/Ciudad Juárez, Dennis L. Soden, Janet S. Conary, Christine Thurlow Brenner

IPED Technical Reports

No abstract provided.

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Tax Increment Financing (Tif) Best Practices Study, Gary L. Sullivan, Steve A. Johnson, Dennis L. Soden Sep 2002

Tax Increment Financing (Tif) Best Practices Study, Gary L. Sullivan, Steve A. Johnson, Dennis L. Soden

IPED Technical Reports

No abstract provided.

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Leading Organizations Through Transition : Communication And Cultural Change By Stanley A Deetz, Sarah J Tracy And Jennifer Lyn Simpson, Sage Publications., Puneet Arora Sep 2002

Leading Organizations Through Transition : Communication And Cultural Change By Stanley A Deetz, Sarah J Tracy And Jennifer Lyn Simpson, Sage Publications., Puneet Arora

IIMB Management Review

No abstract provided.

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Competitiveness : Perceptions, Reflections And Directions, D K Banwet, Kirankumar Momaya, Himanshu Kumar Shee Sep 2002

Competitiveness : Perceptions, Reflections And Directions, D K Banwet, Kirankumar Momaya, Himanshu Kumar Shee

IIMB Management Review

Competitiveness has gained importance as a subject of study during the last decade or so. The initial stimulus came during the eighties when the US experienced an economic decline. As American firms started losing ground all over the world in significantly important industries such as automobile, shipbuilding, electronics and steel, researchers began focussing attention on country and industry level competitiveness. Given India’s low and declining ranking in the Global Competitiveness Report and the World Competitiveness Yearbook, it is imperative that academics, industrialists and policy makers make a serious study of the factors that drive competitiveness at all levels, and take …

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Industrialisation And Innovation : The Indian Experience By Nasir Tyabji, New Delhi: Sage, 2000., Rishikesha T Krishnan Sep 2002

Industrialisation And Innovation : The Indian Experience By Nasir Tyabji, New Delhi: Sage, 2000., Rishikesha T Krishnan

IIMB Management Review

No abstract provided.

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Indian Steel Industry At The Crossroads : A Strategic Perspective, Gautam Sinha, Satyajit Jena Sep 2002

Indian Steel Industry At The Crossroads : A Strategic Perspective, Gautam Sinha, Satyajit Jena

IIMB Management Review

In the post liberalisation era, the Indian steel industry is passing through an intensely turbulent transformation, belying the rosy forecasts of the early 90s. The international recession in steel is expected to persist for at least two more years, along with competition of a high order, posing a serious threat to the Indian steel industry. Gautam Sinha and Satyajit Jena attempt to link the intrinsic and extrinsic forces operating on the Indian steel industry in order to gain a holistic understanding of it. Using performance indices such as Debt-Equity Ratio, Return on Networth, Net Sales/ Total Assets and Net Profit/ …

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Brief 14: Risk Management, New England Resource Center For Higher Education, University Of Massachusetts Boston Sep 2002

Brief 14: Risk Management, New England Resource Center For Higher Education, University Of Massachusetts Boston

New England Resource Center for Higher Education Publications

The development office accepts a gift of a house from a prestigious donor. The faculty has developed and approved a new core curriculum. The institution recently constructed a new campus center. While these circumstances sound no alarms, all involve elements of risk. The welcome gift of the house, later discovered to be contaminated with mold, will involve a costly clean up. A revised curriculum cannot guarantee that the changes will yield the expected results. The construction of a new building has significant implications for maintenance of the physical plant. In a recent meeting NERCHE’s Chief Financial Officers Think Tank discussed …

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The Capital Investment Economics Of Mobile Wireless, Hemant Kumar Sabat Sep 2002

The Capital Investment Economics Of Mobile Wireless, Hemant Kumar Sabat

IIMB Management Review

A series of technological leaps in mobile wireless devices, networks, and applications is setting the stage today for mobile wireless to transform itself from mobile voice to the ultimate communication medium by ushering in radical new applications and business models. However, to capitalise on the opportunity, stakeholders investing in mobile wireless need to assess a wide range of issues. The impact of a mobile wireless network operator’s capital investments on the industry is best understood by looking at the fundamental business drivers, the value propositions, the value chain, the components of capital investments, and the impact on operator’s cash flows …

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The Arduous Path To Brand Loyalty, B S Bhatia, Anupam Bawa Sep 2002

The Arduous Path To Brand Loyalty, B S Bhatia, Anupam Bawa

IIMB Management Review

Brand loyalty is a highly sought after goal. But how do some of the commonly used marketing strategies fare vis-à-vis this goal? B S Bhatia and Anupam Bawa explored the relationship of nine elements of marketing strategy — market share, competitive strategy, pricing strategy, promotion scheme, advertisement, perceived level of advertising, media used for advertising, factors influencing first purchase and type of distribution outlet used — to brand loyalty. Data was collected from 300 households, both rural and urban, belonging to all income groups, in two districts of Punjab and in Chandigarh. The products included in the scope of the …

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International Competitiveness : Evaluation And Enhancement By Kirankumar Momaya, 2001, Hindustan Publishing Corporation, New Delhi., Badar Alam Iqbal Sep 2002

International Competitiveness : Evaluation And Enhancement By Kirankumar Momaya, 2001, Hindustan Publishing Corporation, New Delhi., Badar Alam Iqbal

IIMB Management Review

No abstract provided.

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2002 September, Office Of Communications & Marketing, Morehead State University. Sep 2002

2002 September, Office Of Communications & Marketing, Morehead State University.

Morehead State Press Release Archive, 1961 to the Present

Morehead State University press releases for September of 2002.

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Savings And Credit For U.S. Microenterprises : Integrating Individual Development Accounts And Loans For Microenterprise, Caroline E. Glackin, Eliza G. Mahony Sep 2002

Savings And Credit For U.S. Microenterprises : Integrating Individual Development Accounts And Loans For Microenterprise, Caroline E. Glackin, Eliza G. Mahony

Journal of Microfinance / ESR Review

This paper provides a framework for the integration of two asset-building instruments, Individual Development Accounts (IDAs) and loans for microenterprise. Initially, it provides an overview of the emergence of the asset-based approach to poverty alleviation in the U.S. context and the evolution of IDAs and microenterprise development (MED). Then, it evaluates the potential role of IDAs in reducing risk using conventional lending criteria. The paper summarizes the findings of initial research on integrated programs and highlights four case studies. Finally, the paper provides some preliminary observations regarding potential benefits and challenges of the integrated approach and proposes an agenda for …

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Book Review: Inner-City Entrepreneurship Development: The Microcredit Challenge By Nitin Bhatt, Jerry Black Sep 2002

Book Review: Inner-City Entrepreneurship Development: The Microcredit Challenge By Nitin Bhatt, Jerry Black

Journal of Microfinance / ESR Review

No abstract provided.

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Short-Line Railroad Managers Discuss Class I Railroads, James C. Johnson, Diane J. Mcclure, Kenneth C. Schneider, Donald F. Wood Sep 2002

Short-Line Railroad Managers Discuss Class I Railroads, James C. Johnson, Diane J. Mcclure, Kenneth C. Schneider, Donald F. Wood

Journal of Transportation Management

Managers/owners of short-line railroads were queried about three issues: (1) How would you describe your company’s business relationship with the Class I railroad(s) with which you interchange traffic; (2) Do you believe that mergers between Class I railroads have been good or bad for short-line railroads; and (3) Besides merger activity, what do you believe will be the most important trend for Class I railroads in the next 10 years?

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Liberalization Of International Air Transportation Markets: The Effect Of Terrorism On Market Trends, Dawna L. Rhoades Sep 2002

Liberalization Of International Air Transportation Markets: The Effect Of Terrorism On Market Trends, Dawna L. Rhoades

Journal of Transportation Management

Since the United States deregulated its airline industry with the Airline Deregulation Act of 1978, the international air transport industry has been on a path toward market liberalization. Market changes have included entry, capacity, and pricing freedom as well as increased levels of foreign ownership. The recent terrorist acts of September 11, 2001 have the potential to alter, if not reverse this course. This paper examines the forces fueling the trend toward liberalization and analyzes the impact of recent events on the future prospects of open aviation markets.

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Examining Sources Of Driver Turnover From A Managerial Perspective, Hokey Min Sep 2002

Examining Sources Of Driver Turnover From A Managerial Perspective, Hokey Min

Journal of Transportation Management

There is growing concern about the declining profitability of the U. S. trucking industry. Such concerns often stem from the increased difficulty of recruiting and retaining qualified drivers. In fact, the trucking industry has been hit hard by shortages of qualified truck drivers over the last two decades. To cope with this chronic problem, trucking firms have attempted to formulate various driver recruitment and retention strategies that include pay raises, bonuses, equipment improvement, and adjustments in working hours. This article provides trucking firms with the means to implement a more effective driver recruitment and retention strategy by examining sources of …

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Trends In The Transportation Of Goods In The U.S., James S. Keebler Sep 2002

Trends In The Transportation Of Goods In The U.S., James S. Keebler

Journal of Transportation Management

This article describes the development and growth of various modes of transportation in the United States and recent trends in the length, size and value of domestic shipments. Changes in the transportation of goods in the United States are being driven largely by four factors—the shift toward a digital economy, the growth of third-party logistics providers, globalism, and the application of new technologies. Finally, this paper looks at emerging forms of supply chain integration and operation.

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Developing The Buyer-Friendly Transportation Salesperson: An Empirical Analysis Of The Most Important Seller Traits And Behaviors From The Transportation Buyer’S Perspective, Charles E. Pettijohn, R Stephen Parker, John L. Kent Sep 2002

Developing The Buyer-Friendly Transportation Salesperson: An Empirical Analysis Of The Most Important Seller Traits And Behaviors From The Transportation Buyer’S Perspective, Charles E. Pettijohn, R Stephen Parker, John L. Kent

Journal of Transportation Management

The research reported in this manuscript provides several insights regarding the specific behaviors and traits of transportation salespersons as sought by a sample of shippers. Shippers in both manufacturing and non-manufacturing industries were asked to evaluate the importance of 30 potential salesperson characteristics. Overall, dependability, ethical conduct, honesty, provision of regular service, and solution selling were ranked as the most important (“must have”) characteristics. In addition to the overall rankings, t-tests were used to compare the manufacturing and non-manufacturing groups and ANOVA tests were used to compare the responses of shippers which were grouped by number of contacts from salespersons.

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Taxes And Quality: A Market-Level Analysis, Jennifer S. James, Julian M. Alston Sep 2002

Taxes And Quality: A Market-Level Analysis, Jennifer S. James, Julian M. Alston

Agribusiness

A conventional assumption of product homogeneity when the commodity of interest is actually heterogeneous will lead to errors in an analysis of the incidence of policies, such as taxes. In this article, an equilibrium displacement model is used to derive analytical solutions for price, quantity, and quality effects of ad valorem and per unit taxes. The results show how parameters determine the effects of tax policies on quality. The potential for tax-induced distortions in quality, and the distributive consequences of those distortions, are illustrated in a case study of the market for Australian wine.

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The Montana Nonresident Visitor: A Comparison Of Glacier, Yellowstone, And Non-Park Visitors, Norma P. Nickerson Sep 2002

The Montana Nonresident Visitor: A Comparison Of Glacier, Yellowstone, And Non-Park Visitors, Norma P. Nickerson

Institute for Tourism and Recreation Research Publications

This report provides a profile of nonresident visitors to Montana who visited one or both of the national parks or neither park. It is based on a four-month study period from June through September of 2001 and describes visitors in terms of demographics, trip characteristics, travel behavior, visitor satisfaction and observation.

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Unfinished Business: The Need For More Effective Microfinance Exit Monitering, James G. Copestake Sep 2002

Unfinished Business: The Need For More Effective Microfinance Exit Monitering, James G. Copestake

Journal of Microfinance / ESR Review

High rates of exit remain the "Achilles heel" of many micro-finance organizations. After reviewing definitional issues, the paper explores how exit rates adversely affect both their commercial and social objectives. It then reviews case studies of exit monitoring based on routine, questionnaire based and focus group methods, making detailed suggestions as to how data collection, analysis and reporting can be improved.

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Social Entrepreneurship In Singapore, Wee Liang Tan, Teck Meng Tan Sep 2002

Social Entrepreneurship In Singapore, Wee Liang Tan, Teck Meng Tan

Research Collection Lee Kong Chian School Of Business

Social entrepreneurship is a new phenomenon in Singapore. Unlike the US, where there are entrepreneurship programs offered at various ACCSB accredited universities such programs do not as yet exist in Asia. The motivations for social entrepreneurship in Asia differ from those in developed countries. While as social entrepreneurship often stem from the social agenda of successful entrepreneurs who are motivated to repay society, the recent trend of social entrepreneurship in Asia may stem from initiatives directed at political liberalisation and the development of civil society on the part of existing governments. The Singapore government in 1997 introduced a series of …

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Banking Sector Reforms: Current Status And Future Prospects, Ishrat Husain Dr. Aug 2002

Banking Sector Reforms: Current Status And Future Prospects, Ishrat Husain Dr.

Faculty Research - Talks, Speeches, & Discourse

Pakistan’s banking sector has been faced with at least several problems and difficulties. The main problems faced by the sector are:- (1) Most of the financial assets and deposits are owned by nationalized commercial banks (NCBs) which suffer from a highly bureaucratic approach, overstaffing, unprofitable branches and poor customer service. (2) NCBs along with specialized banks such as ADBP, IDBP and Development financial institutions such as NDFC have a high ratio of non-performing loans. (3) Banking industry faces a high tax rate which affects its profitability and attractiveness for new entrants. (4) There is a proliferation of banks and some …

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