little information about the quality of the borrower (whether a good/safe‚ or a bad/risky borrower.) As a result‚ the bank cannot charge a higher interest rate to compensate the risk of the bad/ risky borrowers as those rates might not be viable for the safe borrowers. This adverse selection problem of the bank is solved by the Grameen Bank lending model. The crux of the Grameen Bank lending model is the feature of joint liability. This feature states that if a certain member of the group is unable
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E-Waste‚ The Dark Side of Moore’s Law We should celebrate the great bounty Moore’s Law and the tech industry bestow on our lives. Costs fall‚ workers become more productive‚ innovations flourish‚ and we gorge at a buffet of digital entertainment that includes music‚ movies‚ and games. But there is a dark side to this faster and cheaper advancement. A PC has an expected lifetime of three to five years. A cell phone? Two years or less. Rapid obsolescence means the creation of ever-growing mountains
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História Económica e Empresarial aulas práticas 2010-2011 Texto 1 Kuznets‚ Simon – The Modern Economic Growth: rate‚ structure and spread Tópicos fundamentais a considerar 1. O crescimento económico moderno (CEM) como nova época económica 2. Principais características do CEM 2a) Agregadas 2b) Estruturais 2c) Internacionais 1 História Económica e Empresarial aulas práticas 2010-2011 Texto 2 Gerschenkron‚ Alexander – Economic backwardness in historical perspective Tópicos fundamentais
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ARE THEY READY TO PUT “AVOCADOS”ON THEIR FACES I. POINT OF VIEW Mr. Willy Tan’s Marketing Consultant II. PROBLEM Mr. Willy Tan was equally enthusiastic about the new product‚ but is confronted with the problem whether to accept or reject Mr. Ricky Bautista’s proposal to market the VCP ‘sbnew line of herbal astringents for distribution in the market controlled byEskinol‚ the leading astringent brand. III. OBJECTIVE To assess and evaluate Mr. Ricky Bautista
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elearning! What is e-learning? E-learning is instruction that is delivered electronically‚ in part or wholly — via a Web browser‚ such as Netscape Navigator‚ through the Internet or an intranet‚ or through multimedia platforms such CD-ROM or DVD. Increasingly — as higher bandwidth has become more accessible — it has been identified primarily with using the Web‚ or an intranet’s web‚ leveraging the Web’s visual environment and interactive nature. How can I determine whether e-learning is right
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Journal of Intelligence Systems ISSN: 2229-7057 & E-ISSN: 2229-7065‚ Volume 2‚ Issue 1‚ 2012‚ pp.-14-16 Available online at http://www.bioinfo.in/contents.php?id=43 E-BUSINESS AND E-COMMERCE - ITS EMERGING TRENDS BHASKAR P.K.1‚ SINHA N.K.2‚ CHOUDHARY B.K.2* AND MISHRA S.K.2 1Department 2Department of MBA‚ Cambridge Institute of Technology‚ Tatisilwai‚ Ranchi- 835103‚ Jharkhand‚ India. of Applied Physics‚ Cambridge Institute of Technology‚ Tatisilwai‚ Ranchi- 835103‚ Jharkhand‚ India. *Corresponding
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Thorner School sixth-grader Stephen Bush‚ Reagan School fifth-grader Paityn Boyt and Discovery Elementary fourth-grader Jessica Stump emerged as winners at the annual Bank of America Essay and Speech Contest held (tonight) May 5 at University Square in Bakersfield. The three were the best at their grade levels from a finals field featuring 31 of the area’s top essayist-speakers. Each had three-to-five minutes to deliver their speech from an essay they had previously written on "Traditional Libraries:
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GUIDELINES FOR ENVIRONMENTALLY SOUND MANAGEMENT OF E-WASTE (As approved vide MoEF letter No. 23-23/2007-HSMD dt. March 12‚ 2008) MINISTRY OF ENVIRONMENT & FORESTS CENTRAL POLLUTION CONTROL BOARD Delhi MARCH‚ 2008 TABLE OF CONTENTS EXECUTIVE SUMMARY Chapter 1 INTRODUCTION 1.0 Preamble 01 1.1 E-Waste 01 1.2 Environmentally Sound Management of E-waste 01 Chapter 2 OBJECTIVE & SCOPE OF THE GUIDELINES 2.1 Objective 02 2.2 Scope 02
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direct contact. The federal Electronic Fund Transfer Act (EFT Act) covers some electronic consumer transactions. F Electronic Fund Transfers EFTs offer several services that you may find practical: QQ ATMs are electronic terminals that let you bank almost any time. To withdraw cash‚ make deposits‚ or transfer funds between accounts‚ you generally insert an ATM card and enter your PIN. Some financial institutions and ATM owners charge a fee‚ particularly if you don’t have accounts with them or
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Consumer Criteria for the Selection of an Islamic Bank: Evidence from Pakistan Muhammad Imtiaz Subhani Iqra University Research Centre-IURC‚ Iqra University- IU Defence View‚ Shaheed-e-Millat Road (Ext.) Karachi-75500‚ Pakistan E-mail: drsubhani@yahoo.co.uk Tel: (92-21) 111-264-264 (Ext. 2010); Fax: (92-21) 35894806 Syed Akif Hasan Office of Vice President‚ Iqra University- IU Defence View‚ Shaheed-e-Millat Road (Ext.) Karachi-75500‚ Pakistan E-mail: hasandrakif@gmail.com Tel: (92-21) 111-264-264
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