MICROCREDIT
MICROFINANCE
MICROENTERPRISE
Multiple loan products home, education, agricultural,
Additional educational services health care, business
development services, human rights, Integrated insurance
programs health, life, home, New banking instruments, if
you are looking for a small business loan worldwide its
here, along with savings, ATM cards and much much more.
MICROFINANCE
HOME-BASED BUSINESS
GREEN INVESTMENTS
BARTER TRADE
HOUSEHOLD BUDGET
COTTAGE INDUSTRY
MICROFINANCE LINKS
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SECTION 1
MICROFINANCE
MICROFINANCE
Many of the more successful programs are replicating their services
in additional countries. Some are transforming into regulated banking
institutions. A few are accessing capital via worldwide markets rather
than relying on donations and grants. As a movement, metrics and systems
are being put into place to better rate and qualify the microfinance
institutions as well. Microcredit, like other development interventions,
is not a panacea to poverty. However, it is a powerful tool that provides
many of the tangible and intangible resources needed to help the poorest to
lift themselves out of poverty through self-employment. We believe that the
microcredit movement will continue to grow in impact, status, and acceptance,
and will become increasingly recognized as one of the most innovative methods
to have positively altered economic and social systems for the poor in all
parts of the world.
by Todd Manwaring
Managing Director,
BYU Center for Economic Self-Reliance
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SECTION 2
10
TIPS
FOR
HOME-BASED
BUSINESSES
Starting a home-based business is never easy.
From advertising to zoning, there is always
something that will require your attention.
Here are ten tips that can help keep you
focused on your quest to make your
home-based business a success.
ALL BUSINESS
http://www.allbusiness.com/
1. Set a schedule and keep it.
The allure of working from home is powerful
but so is the appeal of spending more time
with your family or taking a nap in the middle
of the day. Setting a schedule for your workday
and sticking to it is critical.
2. Set up a dedicated office area.
You can't run a business from your kitchen table.
A successful business requires a fully equipped
home office. If you have an extra bedroom, consider
converting it into office space. If you do not have
an extra room in your home, then try setting up a
partition to create an office area.
3. Be professional.
One of the perks of running a business from home is
having the option of working in your pajamas, but
your customers should not be able to tell that you
just rolled out of bed. Maintain normal office hours
and a professional demeanor when answering your
phone or dealing with customers.
4. Advertise.
Just because you build it doesn't necessarily mean
they will come. To succeed, you will need to advertise
your new business. Advertising and marketing don't
have to be expensive, but they have to be done.
5. Familiarize yourself with tax laws.
You are about to enter a whole new world of taxation.
To avoid ending up frazzled on April 15th, take the
time now to discuss your options with your accountant
or another qualified professional who can advise you
about your tax situation.
6. Check with your zoning commission.
Make sure there are no zoning laws that will prevent
you from running your business from your home.
7. Formulate a business plan.
Where do you want your business to be in six months?
How about in five years? Many small business owners
mistakenly think that a business plan is only necessary
if they are going to have investors. But businesses of
all sizes can use a business plan as a roadmap to
success.
8. Get on the Web.
The Internet is the single best way for a home-based
businesses to reach out to prospective customers. Even
if your business isn't "e-" anything, you need a Web site
that can function as an online brochure for your company.
9. Do your research.
You may think that your idea for your home-based business is
unique. But unless you do some market research, you won't know
whether or not your market is already saturated. Market research
can help you find a special angle for your product or service,
giving you an edge over your competitors.
10. Don't get discouraged.
Many businesses fail simply because their owners got discouraged
after a disappointing trial period. You will have to show grit and
determination to make your business succeed. Hang in there and
do all that you can to make your business the success you know
it can be.
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SECTION 3
GREEN
INVESTMENTS
ENTREPRENEURS
GREEN
INVESTMENTS
ENTREPRENEURS
Entrepreneurs
Socially responsible
investing portfolios
The clean technology era.
The shift to energy efficiency, clean energy
and the solar revolution is going to require
huge amounts of money.
Implementing
environmental
strategies.
To invest in
the companies
leading the way to
a clean economy:
Fuel cells,
Renewable energy,
Green building,
Organic foods.
Make informed,
financially
sound investments
that support
your ethical
principles.
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SECTION 4
BARTER
TRADE
BARTER
TRADE
The exchange of goods or services without
the use of money as currency.
LEGAL
Barter is a contract wherein parties trade
goods or commodities for other goods, as
opposed to sale or exchange of goods for
money.
Barter is not applicable to contracts
involving land, but solely to contracts
relating to goods and services. For example,
when a tenant exchanges the performance of
various maintenance tasks around a house for
free room and board, a barter has taken place.
TRADE
where goods or services are exchanged for a
certain amount of other goods or services;
no money is involved in the transaction.
It can be bilateral or multilateral as trade.
It is a word frequently used as a synonym for
'negotiate/negotiation', but this usage is
incorrect.
Barter trade is common among people with no
access to a cash economy, in societies where
no monetary system exists, or in economies
suffering from a very unstable currency
(as when hyperinflation hits) or a lack of
currency.
some communities have developed a system of
intermediaries who can store, trade, and
warehouse commodities.
Trade and barter were primarily reserved for
trade between communities or countries.
Barter becomes more and more difficult as
people become dispossesed of the means of
production of widely-needed goods.
FINANCE:
In finance, the word "barter" is used when
two corporations trade with each other using
non-money financial assets (such as U.S.
Treasury bills). Alternatively, the standard
definitions of money could be seen as being
too narrow and needing to be expanded to
increase near-money assets.
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SECTION 5
HOUSEHOLD
BUDGET
HOUSEHOLD
BUDGET
Budget generally refers to a list of all
planned expenses and revenues. A budget
is an important concept in microeconomics,
which uses a budget line to illustrate the
trade-offs between two or more goods.
A personal budget is among the most important
concepts of personal finance. In a personal
or family budget all sources of income:
Inflows are identified and expenses.
Outflows: are planned with the intent of
matching outflows to inflows.
There are a wide variety of personal budgeting
methods and tools that can be employed to help
individuals and families with the budgeting
process.
Also the level of planned finance available to
a person, corporation or government, as set by
a certain person.
Budget generally refers to a list of all planned
expenses and revenues. A budget is an important
concept in microeconomics, which uses a budget
line to illustrate the trade-offs between two
or more goods.
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SECTION 6
COTTAGE
INDUSTRY
COTTAGE INDUSTRY
DOMESTIC SYSTEM
A cottage industry :Domestic system;
is an industry primarily manufacturing
which includes many producers, working
from their homes, typically part time.
The term originally referred to those
homeworkers who were engaged in a task
such as sewing or lace-making.
Some industries which are usually operated
from large centralized factories were cottage
industries before the Industrial Revolution.
The business operators would travel around,
buying raw materials, delivering it to people
who would work on them, and then collecting
the finished goods to sell, or typically to
ship to another market.
One of the factors which allowed the industrial
revolution to take place in Western Europe was
the presence of these business people who had
the ability to expand the scale of their own
operations.
Cottage industries were very common in the time
when a large proportion of the population was
engaged in agriculture, because the farmers
(and their families) often had both the time
and the desire to earn additional income during
the part of the year (Winter) when there was
little farming work to do.
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SECTION 7
MICROCREDIT
MICROFINANCE
MICROENTERPRISE
LINKS
ACCIÓN International
http://www.accion.org/
ACCIÓN New York
http://www.accionnewyork.org/
BRAC
http://www.brac.net/
BYU Center for Economic Self-Reliance
http://www.selfreliance.byu.edu/
Citigroup
http://www.citigroup.com
CODE PINK WOMEN FOR PEACE
http://www.codepink4peace.org/
Count Me In
http://www.count-me-in.org
The Economist
http://www.economist.com
Financiera Compartamos
http://www.compartamos.com/
FINCA International
http://www.villagebanking.org/
Grameen Bank
http://www.grameen-info.org
Grameen Foundation USA
http://www.gfusa.org/
HEIFER INTERNATIONAL
http://www.heifer.org/
HELP International
http://www.help-international.org.
Mibanco
http://www.mibanco.com.pe
Microcredit Summit Campaign
http://www.microcreditsummit.org/
ProMujer
http://www.promujer.org
Swayam Krishi Sangam
http://www.sksindia.com/
United Nations
http://www.un.org
Unitus
http://www.unitus.com/
Visayas Enterprise Foundation
http://www.enterprise-mentors.org/PartnerFoundations.asp
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