The impact of the crisis further increases the market failure – also driven by increased risk aversion
on the supply side of microfinance - and underlines the need for public support for this emerging
sector in Europe.
In addition to the fundamental structural problems of the microfinance sector in Europe, public
intervention has largely been justified and substantiated with positive externalities, i.e. that social
and financial inclusion generates attractive economic and social returns.
Indeed, these tough times can be seen as an opportunity for the industry to reinvent
itself. Perhaps, the industry has moved beyond the first phase, in which it established
itself as a part and parcel of the investment matrix. The industry needs to evolve again
to strengthen its position and proposition. It is probably time to question established
wisdom and explore alternatives.
In the present situation, there may be no single ‘silver bullet’ solution, but it will
require a multitude of initiatives to be taken across the entire spectrum of activities of a
The mission of the National White Collar Crime Center (NW3C) is to provide training, investigative support and research to agencies and entities involved in the prevention, investigation and prosecution of economic and high-tech crime. While NW3C has no investigative authority itself, its job is to help law enforcement agencies better understand and utilize tools to combat economic and high-tech crime. NW3C has other sections within its organization, including Training (in Computer Crime, Financial Crime and Intelligence Analysis), Research and Investigative Support Services.
Projects today have dramatically increased in complexity, requiring a culturally and functionally
diverse mix of individuals who must be integrated into an effective unit – a project team. Effective
teamwork is the key to project success during all phases of the project life cycle. Tough global
competition has created an acute need for faster, more flexible, and highly competitive operations.
These needs can be met only by developing high-performing teams. Effective team building is one
of the prime responsibilities of the project manager (Knutson, Joan, 2001).
Life cycle analysis, examining all stages in using a re-
source, is central to the full cost accounting needed
to guide public policy and private investment. A
previous study examined the life cycle stages of oil,
but without systematic quantiﬁcation.
per is intended to advance understanding of the
measurable, quantiﬁable, and qualitative costs of
In order to rigorously examine these different
damage endpoints, we examined the many stages
in the life cycle of coal, using a framework of en-
vironmental externalities, or “hidden costs.
NOP is responsible for enforcing standards of production, handling, and labeling for farming and handling operations that are certified to market their products under USDA’s organic label.
Audit Report 01601-03-Hy 8
17 Some actions, up to and including the revocation of an operation’s certified organic status, may be taken by the accredited certifying agent without direct involvement by NOP. However, through its enforcement actions, NOP plays a central role in maintaining the validity of the program and ensuring public trust in USDA’s certified organic labels.
The adaptive immune system becomes activated in specific
stimulus. Specific antigens are presented to T lymphocytes
(cytotoxic T cells, as well as T helper cells) by antigen-presenting
cells, such as monocytes, macrophages, B-lymphocytes, and
In the peripheral blood, two major subtypes of dendritic cells
are identified, myeloid dendritic cells (MDC), and plasmacytoid
dendritic cells (PDC)
. Hartmann et al.
For the executive, physical needs have probably already been
satisﬁ ed in the preceding middle management career and are
not relevant. Security is arguably reduced for the executive, due
to higher risk of dismissal for poor performance. Satisfaction
of the need for belonging is also questionable, as the holding of
the power to discipline or dismiss other employees in a ﬁ rm pre-
sumably reduces the ties of friendship to them.
Following a large-scale study of skill demands, this survey presents the results of five economic clusters in South Africa. Covering all vital elements, this report provides an overview of the high-tech sector, the resource-based sector, the labor-intensive sector, the services sector, and public infrastructure. Drawing on the skills of scholars and expert consultants throughout South Africa, these findings point to highly differentiated socioeconomic conditions and divergent prospects for future growth in each area.
When we consider cost-avoidance, we need to be aware of those costs that aren’t immediately obvious.
Among such costs are the notification laws that many states have passed which require any business,
including small businesses, to notify, in a specified manner, all persons whose data might have been
exposed in a security breach (hacker incident, malicious code incident, an employee doing an
unauthorized release of information, etc). The average estimated cost for these notifications and
associated security breach costs is well over $130.00 per person.
Like the leaders of private companies, nonprofit executives and managers need
to know whether their programs are providing satisfactory results. Outcome management
enables organizations to define and use specific indicators to continually
measure how well services or programs are leading to the desired results. With this
information, managers can better develop budgets, allocate their resources, and
improve their services.
To overcome barriers to closing the gap between resources and the need for treatment of mental disorders, and to
reduce the number of years lived with disability and deaths associated with such disorders, the World Health Organiza-
tion has created the Mental Health Global Action Programme (mhGAP) as part of a major effort to implement the rec-
ommendations of the World Health Report 2001 on mental health. The programme is based on strategies aimed at
improving the mental health of populations.
In a highly competitive industry, especially high-tech industry, a firm needs to have appropriate outsourcing strategies in order to survive. However, a firm used to have a strategic dilemma between supplier-oriented strategy and production-oriented strategy. Because of increasin complexity in the socio-economic surroundings along with rapidly changing technologies, how to have a suitable outsourcing investment is becoming an important focus for companies.
organizational and investment issues related to the national military space effort, the overall weight of effort that should be directed to space mission support, and the appropriate trade-offs between space and other mission needs in all mediums across service lines. Research in support of the study was completed in November 2002.
Qatar is experiencing unprecedented social and economic development, which is inextricably linked to increased participation in the global market. Growing employment opportunities for Qatari nationals require greater attention to post-secondary education and the development of specific high-demand skills.
The present CCS is the result of a comprehensive analysis of the dynamics in the health
sector, including recent national achievements, current and emerging needs and development
challenges, government policies and plans, as well as activities of other health development
partners. It is aimed at improving the health status of the Mozambican population, through the
Primary Health Care approach, but in the context of a major shortage of human resources for
health as well as a lack of an adequate and functional health system.
Effective Academic Writing 2: The Short Essay, is the second level of a new academic writing series. The series teaches the writing modes and rhetorical devices students need to succeed in academic work. Grammar presentation and practice are correlated to the Grammar Sense series.
Do you want to ace your SATs, write literate papers, and find the perfect language to impress would-be bosses at job interviews? Words You Should Know in High School will help you achieve the success you're looking for-one word at a time. This easy-to-use book features more than 1,000 essential words that arm you with the vocabulary you'll need to tackle real-world tasks-from debating current events to writing essays for your college applications.
For a good examination results, the process is very important exam. Result will evaluate the entire performance review process of your training. This rule is true for both test International English - Toefl ... Set specific goals we have to take TOEFL on how many points (depending on individual ability). After the goal, we need to make multiple threads to do skills training.
Of course you can’t get an MBA degree in a day—ask anyone
who has put in the months and years needed to accomplish
this challenging and rewarding achievement—but this book
is where you will find, in basic, easy-to-understand language, MBA
concepts and principles that are presented in the gold standard of
business education throughout the world—the master of business