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V. Material Benefits of Microfinancing
Microfinance initiatives can play an effective role in addressing material poverty, the physical deprivation of goods, services, and the income to attain them. MFIs can help people become more economically secure. This, in turn, has a multiplier effect on people's standard of living, enhancing basic household welfare, such as food security, nutrition, shelter, sanitation, health and education services. MFIs can help prevent and extricate people from debt. Oftentimes, they liberate low-income households from moneylenders with outrageous interest rates that often reach 100% annually. Savings and credit services help people start or improve their own small businesses, providing income generation and employment for themselves and their families.
IV Module I Key Principles for an African Model of Microfinance
African microfinance is as diverse as the continent itself. An array of approaches have been used, ranging from traditional kinship networks and Revolving Savings and Credit Associations (ROSCAs) to NGOs and development projects, and funded by both the informal and formal financial sectors, as well as domestic and international and donors. Consequently, examples of African microfinance offer an array of lessons of what works and doesn't work.
Report from the Field: Incorporating Microfinance into Kenya's Economic Recovery Strategy
With a population of 30 million people and a per capita income of US$260, Kenya is categorized the 20th poorest country in the world.[1] Estimates indicate that about 47% of the rural population and 29% of the urban population live under conditions of absolute poverty, where malnutrition and seasonal famine are not just a consistent fear, but also a frequent reality in their lives. On the other hand, the unemployment rate, currently estimated at between 25% and 35%, threatens to get out of hand as roughly 0.5 million school dropouts continue to join the ranks of the unemployed every year.
Helping SMEs meet the requirements of formal financing - Increasing SME Access to Finance: A Four Pronged Approach
Apart from the need to boost SME capacities, some financial instruments can help provide missing information or reduce the risk stemming from some SMEs’ lack of transparency.

Other credit associations Related Articles

Credit Scoring
Ever wonder how a creditor decides whether to grant you credit? For years, creditors have been using credit scoring systems to determine if you'd be a good risk for credit cards and auto loans. More recently, credit scoring has been used to help creditors evaluate your ability to repay home mortgage loans. Here's how credit scoring works in helping decide who gets credit -- and why.
Why A Good Credit Score Is Important To Your Business
Whether you're in business or an individual, you should have an idea of what your credit score is, even if you're not currently applying for credit. Knowing your credit score and occasionally checking your credit reports also helps you protect yourself from identity theft and credit fraud.
I Want To Improve Your Credit Score, But You Won't Let Me Help!
Credit score ignorance is just as bad as accumulating too much debt or not paying your credit cards on time. If you don't understand how your credit report score is calculated then you can't improve your credit score. read this brief primer and learn -- How do they calculate your credit score and who are "They"?
Basics of Credit Reports and Background Checks
Many employers would like to have a credit report before hiring, However, for job applicants, a credit report can seem like an invasion of privacy and unfair. The bottom-line is that employers need to approach credit report with caution and only use them if there is a business necessity, and further understand that here can be errors or items not related to employment. Job applicants also have rights when it comes to credit reports. Job applicants need to understand that credit scores are not part of an employment credit report and that employers do not request credit reports just to find ways not to hire. A credit report is only requested once a candidate is a finalist and there are certain positions where a requesting a credit report does make sense. This article surveys the use of credit reports and hiring.

Credit Alliance Group Explains FICO & Debt to Income Ratio Info
In the United States, a credit score is a number based on a statistical analysis of a person's credit files that represents the creditworthiness of that person, which is the likelihood that the person will pay their bills. A credit score is primarily based on credit report information, typically from one of the three major credit bureaus: Experian, Trans Union, and Equifax. Debt to Income Ration is another factor when it comes to your credit score.
Small Loans with Bad Credit in Australia
Small loans with bad credit in Australia can be had. Bad credit happens to everyone. The point is that the best way to get rid of bad credit is to pay off your debtors. Even doing that won't "clean-up" your credit. The only way to do that would be to get a small loan or some other form of revolving credit account going. But what is a good option and what's not? Fear not mate, I've got a few pointers for you.
Establishing Business Credit with a Secured Business Credit Card
One of the best ways to start establishing business credit is with cards specifically designed for businesses with no credit or less than perfect credit history. Learn what type of credit you can apply for to start building your business credit today...

Why We Need to Create Associations of Success
To thrive in any entrepreneurial venture, we need to create associations of success. Most of us have heard the saying that we are the average of the 5 people with whom we are most closely associated. Your associations of success will help you follow through with your plan and achieve your goals. You can have the greatest vision and put together the most complete plan of achieving that goal. However, being surrounded by only negative and unsupportive people will derail your plans of making your goal and vision a reality.
When selling a business check the business buyers credit history
Together with checking the potential business buyers resumes and references, one more important area the business broker should research very closely in the process of qualifying the buyer is his credit history. If the buyer has relatable experiences, then you would look to their credit worthiness. Now, as a business transition specialist, I must say here that very rarely do I see a buyer with bad credit. So what I really want you to focus on is not just the credit score. Take a look at credit history and, in particular, look for what type of credit they have previously had and, if any, what type of problems you can see within their credit history.

Credit Card Piggybacking
What is Credit Card Piggybacking? Credit card piggybacking is much like the childhood game of being carried around on someone else's back; but instead, you're “carried” on someone else's credit card account. Once you're added as either a joint card holder or an authorized user to a credit card account, the entire credit history typically appears on your credit report and included in your credit score.
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