... more than 1% of profits Charity fund was supported ofthe 14 companies at the bottom ofthe list less than 0.01% ofthe profits It is not fun is total revenues in 2004 ofthe charity, the contributions ... products but also the cost ofthe product In the elderly, they are born and raised in war, their lives devoted to the protection and restoration ofthe country, so they have awareness of environmental ... measure ofthe results ofthe study subjects The weaknesses ofthe quantitative method include: + Cannot give researchers the information about the context ofthe circumstance where the phenomenon...
... codes, making them an important part ofthe landscape ofthe company The increasing relevance ofthe cost regardless of business ethics is recorded Emphasis is placed on theimportanceof stressing ... management and use of property in the original project manager of several ministries and local Through the inspection, the state audit process andthe proposal were withdrawn andthe State budget ... development and delivery of employee training Other specifications in the contract also address the following issues: the quality and style of presentation of work; the level of contractor...
... method can the best way to maximize profits ofthe companies without pressure of selling products They need another way to differentiate their business with other Therefore, besides of applying ... will be the most important parts which focus on the theory andthe fact in a real case Chapter and chapter will considered as a background to create the general ideas of this thesis And chapter ... increase the number ofthe ending inventories as well as the profit ofthe organizations as mentioned above This not only can be considered as a strategy ofthe new comers to attract the investments...
... 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 ... in the public mind, in light ofthe role of mortgage-backed CDOs in the financial-sector crisis of 2008 With the onset ofthe crisis, the rate of new CDOs to finance microfinance fell to a standstill ... consumers, as in the case ofthe subprime mortgage debacle in the United States, the damage can spread far beyond a single offending bank It tarnishes the reputation andthe returns ofthe entire sector...
... because ofthe number of clients covered andthe 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 ofthe ... 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...
... 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 ofthe better known ofthe transactions carried out in the past few years The first MIV, the equity fund ProFund, was created in 1995 by socially responsible investors and...
... directed at the press (and hence full of lofty sentiment), the remarks made on the occasion reveal theimportanceof such access to this isolated settlement of about 2,000 people One ofthe senators ... champion in the bank, and other strong supporters From the beginning, one ofthe bank directors led the project, and three key executives were on the board of Credifé A general manager from the bank’s ... is the hardest nut of social-performance monitoring, because ofthe problem of attribution With tools like the PPI, lenders can tell whether loans are reaching the poor, and even whether the...
... established the country’s first credit bureau, to the entry of Creditinfo, a small Icelandic credit reporting agency as the owner and operator ofthe new bureau, and finally to the issuing ofthe first ... disburse pension and social grants in cash in four provinces.8 At the time, Absa had the most ATMs and one ofthe largest branch networks of any bank in the country, and 60 percent ofthe market for ... trouble understandingthe product and their role in selling it Globe had to present them with a concrete business plan as well as fail-proof demonstrations ofthe technology in order to earn their...
... Although the average order requested was 6.5 percent ofthe total offering, the average order filled was only 0.6 percent ofthe offering, or 0.2 percent ofthe bank.7 The IPO involved the sale of approximately ... created high demand Compartamos stood out as one ofthe fastest growing MFIs in the region With 187 service of ces operating in 29 ofthe 32 Mexican states at the time ofthe 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 ofthe software...
... 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 andthe United Nations ... provided input for the BRAC and Sequoia cases • Rachna Handa prepared early drafts of Chapter andthe BRAC, Sequoia, and Credit Suisse cases • Emily Howells drafted the ANZ Bank case and did research...
... “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 ofthe 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...
... pain syndrome type I) andunderstandingthe complexities ofthe placebo effect The placebo effect – impact ofthe psychosocial context on treatment response It is proposed that the psychosocial context ... appreciation ofthe various levels at which dysfunction can occur and therapy can target Modulation Mechanisms capable of modifying the propagation of nociceptive impulses from the foot to the brain ... foot pain is not the noxious-stimuli-induced activity in the nociceptive pathways [20,21], but rather the perception of these processes andthe consequent effects on suffering and pain-related...
... correlation of oxidative stress to MAGE than to postprandial glucose levels! ♦ MAGE = both the UPS andthe DOWNS of blood glucose I Hirsch So What Is The Significance oftheUnderstandingof GV? ♦ ... y/o man with years of type diabetes, on CSII, A1c = 9.0% Why are the risks of PDR different? Postprandial hyperglycemia ≠ glycemic variability Don’t forget about the “ups” and “downs”! “Oxidative ... ♦ Poor matching of basal insulin, need for CSII? I Hirsch Other Significance of a High SD I Hirsch Caveats ofthe SD ♦ Need sufficient SMBG data ♦ Low or high averages makes the 2XSD
... decisions based on emotive factors, they tend to consider the opinions of others and weigh them up in relation to their own understandingof a decision and its causes and effects However, men tend ... waver and miss an opportunity For example: the representative ofthe UN andthe general who commanded the UN forces had been unable to make up their mind about the need for an air force support and ... most ofthe analysis is based on the studies of other researchers so it can be debatable and difficult for users to apply in the reality 28 The major limitation of this study is the use of secondary...
... moistened with water and stirred), making the dough rise as it proofs on the counter and causing the dough to expand further in the heat ofthe oven The remaining chemicals con- Yeast and Chemical Leaveners ... cells that can expand, but in an unstable foam As the loaf of rye bread enters the oven, in the absence of gluten, the gelatinized starch on the outside ofthe loaf forms a sort of skin that aids ... is produced from the endosperm ofthe wheat The endosperm contains about 80 percent ofthe total amount of protein in the whole kernel Gliadin and glutenin make up most of this and are usually...
... reflection ofthe paradoxical expectations of children On one hand the children draw on local understandings of childhood as a time of duty and service, and on the other, children are told about theimportance ... caregivers, health professionals must align their understandingand responses to the psychosocial cost of chronic care, to a more nuanced and contextual understandingof social agency and opportunities ... he provides care and support, a reflection ofthe local expectation of childhood as a period of duty and service Carolyne, on the other hand, did recognise the disadvan- Page of 10 (page number...
... less on the level of IT spending or on the technical skills ofthe IT staff and more on the degree of shared business-IT understandingthe level common understanding between the IT andthe line ... investigating the consequences of shared understanding is based upon the resource based view ofthe firm (RBV) We believe that the development of shared understanding is rare, valuable and firm specific and ... shared understanding as the knowledge that the IT organization has about the business unit, the knowledge that the business unit has about the opportunities to apply IT andthe common understanding...
... relative importanceofthe various kinds of data written to disk, both in terms of how much ofthe live blocks they occupy on disk and in terms of how much ofthe data written to the log they represent ... delay the cleaning a while and let more ofthe blocks die in the current segment The value of a segment’s free space is based on the stability ofthe 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...
... very specialized audience State -of -the- art researchers need this kind of detailed mathematics to understand the theoretical implications ofthe 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 ofthe energy back toward a receiving antenna, situated near the transmission site The distance to the object...
... 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 ofthe social ... see the rise of psychology andthe 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 ofthe two terms andthe distinctions drawn between them were of interest and perhaps of some clinical value, they would hardly be meaningful so far as research and theory...