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Microfinance insider Hugh Sinclair weaves a shocking tale of an industry focused on maximizing profits and plagued by predatory lending practices, scandals, cover-ups and corruption.
Book Synopsis Confessions of a Microfinance Heretic by : Hugh Sinclair
Download or read book Confessions of a Microfinance Heretic written by Hugh Sinclair and published by Berrett-Koehler Publishers. This book was released on 2012-07-09 with total page 290 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance insider Hugh Sinclair weaves a shocking tale of an industry focused on maximizing profits and plagued by predatory lending practices, scandals, cover-ups and corruption.
Offering inspiring success stories, the microfinance industry depends on the faith of investors that small loans can transform the lives of the poor. But as Hugh Sinclair points out, very little solid evidence exists that microloans make a dent in long - term poverty. Evidence does exist for negligence, corruption, and methods that border on extortion. Part expose, part memoir, and part financial detective story, this is the account of a one - time true believer whose decade in the industry turned him into a heretic.Sinclair worked with several microfinance institutions and funds as he traveled from Mexico to Mongolia, with Nigeria, Holland, and Mozambique in between. He couldn't help but notice that even with a booming 70 billion dollar industry on their side, the poor didn't seem any better off in practice. Exorbitant interest rates led borrowers into never - ending debt spirals, and aggressive collection practices resulted in cases of forced prostitution, child labor, suicide, and nationwide revolts against the microfinance community.With characteristic intelligence and biting wit, Sinclair weaves a shocking tale of a system increasingly focused on maximizing profits. The situation worsened when large banks, attracted by the high repayment rates of overpriced loans, hijacked the sector and created a microfinance bubble. Sinclair details his discovery of several scandals, one of the most disturbing involving a large African microfinance institution of questionable legality that charged interest rates in excess of 100 percent per year, and whose investors and supporters included some of the most celebrated leaders of the microfinance sector. Sinclair's objections were first met with silence, then threats, attempted bribery, and a court case, and eventually led him to become a principle whistleblower in a sector that had lost its soul.Microfinance can work - Sinclair describes moving experiences with several ethical and effective organizations and analyzes what made them different. But without the fundamental reforms that Sinclair recommends here, microfinance will remain an ''investment opportunity'' that will leave the poor with hollow promises and empty pockets.
Book Synopsis Confessions of a Microfinance Heretic (Large Print 16pt) by : Hugh Sinclair
Download or read book Confessions of a Microfinance Heretic (Large Print 16pt) written by Hugh Sinclair and published by ReadHowYouWant. This book was released on 2012-07 with total page 514 pages. Available in PDF, EPUB and Kindle. Book excerpt: Offering inspiring success stories, the microfinance industry depends on the faith of investors that small loans can transform the lives of the poor. But as Hugh Sinclair points out, very little solid evidence exists that microloans make a dent in long - term poverty. Evidence does exist for negligence, corruption, and methods that border on extortion. Part expose, part memoir, and part financial detective story, this is the account of a one - time true believer whose decade in the industry turned him into a heretic.Sinclair worked with several microfinance institutions and funds as he traveled from Mexico to Mongolia, with Nigeria, Holland, and Mozambique in between. He couldn't help but notice that even with a booming 70 billion dollar industry on their side, the poor didn't seem any better off in practice. Exorbitant interest rates led borrowers into never - ending debt spirals, and aggressive collection practices resulted in cases of forced prostitution, child labor, suicide, and nationwide revolts against the microfinance community.With characteristic intelligence and biting wit, Sinclair weaves a shocking tale of a system increasingly focused on maximizing profits. The situation worsened when large banks, attracted by the high repayment rates of overpriced loans, hijacked the sector and created a microfinance bubble. Sinclair details his discovery of several scandals, one of the most disturbing involving a large African microfinance institution of questionable legality that charged interest rates in excess of 100 percent per year, and whose investors and supporters included some of the most celebrated leaders of the microfinance sector. Sinclair's objections were first met with silence, then threats, attempted bribery, and a court case, and eventually led him to become a principle whistleblower in a sector that had lost its soul.Microfinance can work - Sinclair describes moving experiences with several ethical and effective organizations and analyzes what made them different. But without the fundamental reforms that Sinclair recommends here, microfinance will remain an ''investment opportunity'' that will leave the poor with hollow promises and empty pockets.
A microfinance Industry insider offers a shocking account of corruption and betrayal of the poor by an industry supposedly dedicated to doing good. Hugh SInclair is one of the rare field workers who has seen microloans at ground level; he concludes that predatory lending and profit pressure are causing most microloans to do far more harm than good. This is the sad tale of a good idea gone horribly bad.
Book Synopsis Confessions of a Microfinance Heretic (16pt Large Print Edition) by : Hugh Sinclair
Download or read book Confessions of a Microfinance Heretic (16pt Large Print Edition) written by Hugh Sinclair and published by . This book was released on 2012-07-09 with total page 626 pages. Available in PDF, EPUB and Kindle. Book excerpt: A microfinance Industry insider offers a shocking account of corruption and betrayal of the poor by an industry supposedly dedicated to doing good. Hugh SInclair is one of the rare field workers who has seen microloans at ground level; he concludes that predatory lending and profit pressure are causing most microloans to do far more harm than good. This is the sad tale of a good idea gone horribly bad.
Make your money make a difference—and enjoy attractive returns Small Money, Big Impact explores and explains the globally growing importance of impact investing. Today, the investor's perspective has become as important as the actual social impact. Based on their experience with over 25 million micro borrowers, the authors delve into the mechanics, considerations, data and strategies that make microloans and impact investing an attractive asset class. From the World Bank to the individual investor, impact investing is attracting more and more attention. Impact investing is a global megatrend and is reshaping the way people invest as pension funds, insurance companies, foundations, family offices and private investors jump on board. This book explains for the first time how it works, why it works and what you should know if you're ready to help change the world. Impact investing has proven over the last 20 years as the first-line offense against crushing poverty. Over two billion people still lack access to basic financial services, which are essential for improving their livelihood. Investors have experienced not only social and environmental impact, but have received attractive, stable and uncorrelated returns for over 15 years. This guide provides the latest insights and methodologies that help you reap the rewards of investing in humanity. Explore the global impact investing phenomenon Learn how microloans work, and how they make a difference Discover why investors are increasingly leaning into impact investing Consider the factors that inform impact investing decisions Part social movement and part financial strategy, impact investing offers the unique opportunity for investors to power tremendous change with a small amount of money— expanding their portfolios as they expand their own global impact. Microfinance allows investors at any level to step in where banks refuse to tread, offering opportunity to those who need it most. Small Money, Big Impact provides the expert guidance you need to optimize the impact on your portfolio and the world.
Book Synopsis Small Money Big Impact by : Peter A. Fanconi
Download or read book Small Money Big Impact written by Peter A. Fanconi and published by John Wiley & Sons. This book was released on 2017-05-01 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt: Make your money make a difference—and enjoy attractive returns Small Money, Big Impact explores and explains the globally growing importance of impact investing. Today, the investor's perspective has become as important as the actual social impact. Based on their experience with over 25 million micro borrowers, the authors delve into the mechanics, considerations, data and strategies that make microloans and impact investing an attractive asset class. From the World Bank to the individual investor, impact investing is attracting more and more attention. Impact investing is a global megatrend and is reshaping the way people invest as pension funds, insurance companies, foundations, family offices and private investors jump on board. This book explains for the first time how it works, why it works and what you should know if you're ready to help change the world. Impact investing has proven over the last 20 years as the first-line offense against crushing poverty. Over two billion people still lack access to basic financial services, which are essential for improving their livelihood. Investors have experienced not only social and environmental impact, but have received attractive, stable and uncorrelated returns for over 15 years. This guide provides the latest insights and methodologies that help you reap the rewards of investing in humanity. Explore the global impact investing phenomenon Learn how microloans work, and how they make a difference Discover why investors are increasingly leaning into impact investing Consider the factors that inform impact investing decisions Part social movement and part financial strategy, impact investing offers the unique opportunity for investors to power tremendous change with a small amount of money— expanding their portfolios as they expand their own global impact. Microfinance allows investors at any level to step in where banks refuse to tread, offering opportunity to those who need it most. Small Money, Big Impact provides the expert guidance you need to optimize the impact on your portfolio and the world.
The Extraordinary Exercise ProgramBased on the Revolutionary Body-Improvement SystemDeveloped by Dr. Moshe Feldenkrais With these brief (ten to thirty minutes) exercises, anyone can learn to improve their posture, flexibility, and physical comfort, and end the energy drain caused by muscular tension. This popular application of techniques -- never before available in such an easy-to-use form -- targets such key areas as the lower back, shoulders, neck, spine, eyes, feet, and jaw. Enhanced vitality and elimination of pain and stress will be yours through these thoroughly researched and patient-tested techniques that actually reprogram the neuromuscular system.
Book Synopsis Brave New Weed by : Joe Dolce
Download or read book Brave New Weed written by Joe Dolce and published by HarperCollins. This book was released on 2016-10-04 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Extraordinary Exercise ProgramBased on the Revolutionary Body-Improvement SystemDeveloped by Dr. Moshe Feldenkrais With these brief (ten to thirty minutes) exercises, anyone can learn to improve their posture, flexibility, and physical comfort, and end the energy drain caused by muscular tension. This popular application of techniques -- never before available in such an easy-to-use form -- targets such key areas as the lower back, shoulders, neck, spine, eyes, feet, and jaw. Enhanced vitality and elimination of pain and stress will be yours through these thoroughly researched and patient-tested techniques that actually reprogram the neuromuscular system.
Research on MFI performance is still in its infancy. MFIs are hybrid organizations with dual objectives. Performance studies in microfinance are therefore less straightforward compared to performance studies in traditional banking research. This book contains new MFI performance research by top scholars from across the globe.
Book Synopsis Microfinance Institutions by : R. Mersland
Download or read book Microfinance Institutions written by R. Mersland and published by Springer. This book was released on 2015-12-11 with total page 329 pages. Available in PDF, EPUB and Kindle. Book excerpt: Research on MFI performance is still in its infancy. MFIs are hybrid organizations with dual objectives. Performance studies in microfinance are therefore less straightforward compared to performance studies in traditional banking research. This book contains new MFI performance research by top scholars from across the globe.
The author describes his vision for an innovative business model that would combine the power of free markets with a quest for a more humane, egalitarian world that could help alleviate world poverty, inequality, and other social problems.
Book Synopsis Creating a World Without Poverty by : Muhammad Yunus
Download or read book Creating a World Without Poverty written by Muhammad Yunus and published by Public Affairs. This book was released on 2009-01-06 with total page 322 pages. Available in PDF, EPUB and Kindle. Book excerpt: The author describes his vision for an innovative business model that would combine the power of free markets with a quest for a more humane, egalitarian world that could help alleviate world poverty, inequality, and other social problems.
Explains how the author was compelled to help the world's working poor, describing how he discovered the Kiva.org micro-loan portal and his visits to world regions where the organization's loans have enabled people and small businesses to revitalize.
Book Synopsis The International Bank of Bob by : Bob Harris
Download or read book The International Bank of Bob written by Bob Harris and published by Bloomsbury Publishing USA. This book was released on 2013-03-05 with total page 418 pages. Available in PDF, EPUB and Kindle. Book excerpt: Explains how the author was compelled to help the world's working poor, describing how he discovered the Kiva.org micro-loan portal and his visits to world regions where the organization's loans have enabled people and small businesses to revitalize.
What happens when a devout religious conservative questions his own evangelical traditions using the Socratic principle, and follows where the evidence leads? ... This brutally honest personal pilgrimage challenges and encourages readers to rethink all things sacred and embrace a faith full of grace and reason.
Book Synopsis Confessions of a Bible Thumper by : Michael Camp
Download or read book Confessions of a Bible Thumper written by Michael Camp and published by Engage Faith. This book was released on 2012-06 with total page 347 pages. Available in PDF, EPUB and Kindle. Book excerpt: What happens when a devout religious conservative questions his own evangelical traditions using the Socratic principle, and follows where the evidence leads? ... This brutally honest personal pilgrimage challenges and encourages readers to rethink all things sacred and embrace a faith full of grace and reason.
Chile: Carretera Austral Travel Guide - Travel advice and expert holiday tips featuring Ruta 7 and Coyhaique highlights, natural history and wildlife. This guide also covers suggested itineraries and tour operators, driving and hiking, Caleta Tortel, Villa O'Higgins, Puerto Montt, national parks like Queulat, Hornopirén and Laguna San Rafael.
Book Synopsis Chile: The Carretera Austral by : Hugh Sinclair
Download or read book Chile: The Carretera Austral written by Hugh Sinclair and published by Bradt Travel Guides. This book was released on 2015-12-18 with total page 308 pages. Available in PDF, EPUB and Kindle. Book excerpt: Chile: Carretera Austral Travel Guide - Travel advice and expert holiday tips featuring Ruta 7 and Coyhaique highlights, natural history and wildlife. This guide also covers suggested itineraries and tour operators, driving and hiking, Caleta Tortel, Villa O'Higgins, Puerto Montt, national parks like Queulat, Hornopirén and Laguna San Rafael.
