Financial mainstream

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  • Another salient emotion in moving experiences is the feeling of inspi- ration. The word “inspired” means, in its etymological sense, to be filled with breath, spirit, and life. Thus, the emotion of learning at its most powerful is the feeling of increased vitality as we realize our growing capacity to perceive and act. This particular quality of experience is addressed indirectly, at best, in mainstream psychological traditions. For example, the motivation construct of goals...

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  • The FDIC is committed to expanding economic inclusi in the financial mainstream by ensuring that all Ameri- cans have access to safe, secure, and affordable banking services. As part of this effort, the FDIC is working to fi the research and data gap regarding household participa tion in mainstream banking and the use of non-bank financial services. Every two years, the FDIC conducts t National Survey of Unbanked and Underbanked House holds (household survey).

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  • Consequently, the first section of this paper will focus on the concept of conflict and conflict cycles. After presenting a working definition of conflict, a theoretical model of the conflict lifecycle will be provided. This section also presents an extended model of the conflict lifecycle which includes both the conflict intensity level and measures to prevent, limit and resolve the conflict.

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  • Oracle Big Data Appliance brings Big Data solutions to mainstream enterprises. Built using industry-standard hardware from Sun and Cloudera’s distribution including Apache Hadoop, the Big Data Appliance is designed and optimized for big data workloads. By integrating the key components of a big data platform into a single product, Oracle Big Data Appliance delivers an affordable, scalable and fully supported big data infrastructure without the risks of a custom built solution.

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  • The genuine saving indicator marks a step forward by the Bank to move away from simple GDP per capita calculations and introduce some human and environmental considerations into mainstream national accounting. Because of its simple and striking nature it looks set to be a major factor in key Bank documents and policy advice. Perhaps it will even become the figure which represents the combined total of the two sides of the “national balance sheet” outlined in Wolfensohn’s CDF proposal. However, it suffers from flawed data and methodology.

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  • It should be noted, however, that it is difficult, if not impossible, given available data, to identify mainstream capital market participation by diasporas. Investments made by diaspora members in conventional investment vehicles open to all investors are indistinguishable from other foreign investments. But governments and businesses in some countries of origin have created financial instruments especially designed to tap into the wealth of diaspora populations. While some are aimed at high-net- worth individuals, some are accessible to small-scale savers.

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  • “However, the Rockefeller Foundation argues that these traditional approaches to communication are generally insufficient in addressing the reality of the development problems that exist, as they do not always reflect the complex changes in the communications environments taking place in many developing country societies: “Communication can play a much greater role in enabling people to take control over their own lives, in enabling people and societies to set their own agendas in relation to political, economic and social development; and in enabling, in particular, the voices of the ...

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  • .BEFORE WE BEGIN It is hard to believe another year has come and gone. So many interesting trends have emerged this year, and many more are likely poised to do so next year. At Luckie & Company, we spend a lot of time observing and studying trends that impact consumers’ lives. The following is a list of 10 trends we feel have potential to continue growing, maybe even enter the mainstream and start to play an emerging role in daily life in 2010. If nothing else, they’re pretty cool and worth keeping an eye on. For hipsters, trendsetters and early adopters, some...

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  • The consolidated results from several questionnaires5 indicated that 6 of the 27 developed countries had fullyimplemented IWRM plans in effect, with another 10 having such plans in place or partially implemented. Only 38% of the 77 developing countries had completed plans (33% of the Asian countries; 38% of the African countries; 43% of the countries in the Americas) while the implementation level varied greatly. Vital information on the efficiency of water use was often ambiguous or lacking.

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  • objective or subjective, when making decisions under uncertainty. This is especially true when the consequences of the decisions can have a significant impact, financial or otherwise. Most of us make everyday personal decisions this way, using an intuitive process based on our experience and subjective judgments. Mainstream statistical analysis, however, seeks objectivity by generally restricting the information used in an analysis to that obtained from a current set of clearly relevant data.

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  • There is also diversity with regard to final beneficiaries: many providers target people excluded from mainstream financial services (47% of respondents of the latest EMN survey) and women (44%); moreover, ethnic minorities and/or immigrants (41%), young (29%) and disabled people (21%) are amongst the top ranks (see Jayo et al, 2010). Priority outreach to these specific target groups show the high social focus of microfinance in Europe.

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  • Microfinance institutions have been affected by the adverse macro-economic conditions during the global financial and economic crisis, generally through significantly higher bad debt rates among their clients and in some cases through increased difficulties in accessing external sources of funding.

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  • Real estate investment is about creating and adding value through the effective management of property assets. Real estate is fundamentally no different from other mainstream investments: the analysis of property investments can be easily integrated into the capital market framework. Capital asset pricing theory evolved into the capital asset pricing model (CAPM). The CAPM model, described by Franfurter (1995: 104) as the ‘keystone’ of financial theory, has been tested in financial securites (stock exchange) markets over three decades.

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  • Among technological options experimented to reach the unbanked and underbanked populations mostly in the rural areas are the satellite (mobile) branches, which allow to serve financially-excluded geographical areas where mainstream banks found it unprofitable to set up brick and mortar infra- structures. Savings banks in Uganda and Zimbabwe operate mobile banking units, which consist of vans equipped with information and communication technology touring remote communities on fixed dates to render banking services.

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  • Small-scale producers seek to meet the financial needs of their households and businesses while simultaneously addressing the demands from the marketplace. Many small-scale poultry producers have been successful at direct marketing. Many have sought to grow their businesses to fill a larger market niche by offering their chickens to restaurants or retail stores. Most find that they are excluded from mainstream poultry processing facilities, distributors and marketing operations because they tend to be controlled by large-scale, industrial corporations.

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  • Access to microfinance services can end the marginalization of the poor and include them in mainstream society, encourage responsibility and promote economic activity. Moreover, access to financial services has a particularly strong catalytic effect when these services are targeted toward women. Thanks to their own efforts and the availability of financial services geared to their needs, it is estimated that by 2007, 100 million of the world’s poorest families were able to improve their lives.

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