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To Increase Sales Means You Must Map Your Icebergs
Are trying to increase sales? How much of your sales are you missing? Maybe it is time to map all of your icebergs.

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2.0 The economic context: Support for Growth-oriented Women Entrepreneurs in Tanzania, 2005
Tanzania has a population of just over 37 million, a GDP of US$22 billion, and GDP per capita of US$610.6 An estimated 51 per cent of the population lives below the poverty line. Eighty per cent of the country’s poor population live in rural areas, depending on subsistence agriculture and unable to participate in broader markets. Poor roads, exorbitantly expensive utilities and prohibitive policies have compounded this problem, significantly impeding the growth of the economy.7 Agriculture, the mainstay of the economy, is almost 50 per cent of GDP, and small-scale peasant farmers, who make up 70 per cent of the population, carry out over 80 per cent of agricultural activities. About 30 per cent of the population over 15 years of age is illiterate (UDEC, 2002).

1.0 Introduction: Microfinance in Africa - Experience and Lessons from Selected African Countries
Small enterprises and most of the poor population in sub-Saharan Africa have very limited access to deposit and credit facilities and other financial services provided by formal financial institutions. For example, in Ghana and Tanzania, only about 5–6 percent of the population has access to the banking sector. This lack of access to financial services from the formal financial system is quite striking, when one considers that in many African countries the poor represent the largest share of the population and that the informal sector is an important part of the economy.

Proper Regulation Is Crucial to Ensure Welfare Gains
The effects of privatisation on living conditions of the population, and, in particular, on improved access and quality, are mixed and depend on the regulatory framework in place and the capacity of the state to co-operate with the private sector. In particular, the impact of privatisation policies on the welfare of the population and ultimately on the poor requires:

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.

Effects of education upon fertility: The Indirect Effects of Investment in Human Capital
Whether and how government policy should affect fertility is a controversial ethical issue. However, the UN International Conference on Population and Development in Cairo in September 1994 highlighted the importance of enhancing female education as part of a successful population policy.

Do What You Love
Love and Passion ... are two words that bring to mind deep feelings for something or someone. For instance, the type of feelings that begins in the pit of your stomach and radiate outward, exuding brilliance, warmth, and joy. Do these words represent how you feel about your job and or position in life? The majority of the population, two-thirds in fact, is always seeking new employment. Which means that at any given time 67% of the United States population is experiencing job dissatisfaction, and all of the baggage that accompanies this epidemic.

A Blue Ocean, Empty Swimming Pools and what makes your business unique
Or the business lessons I learnt in an Italian "Piscina”, and how to position your business so competition doesn't matter

Customer Profiles for New Business
In 1906 an Italian Economist called Vilfredo Pareto created a mathematical formula based on observing that 80% of the land was owned by 20% of the population. Dr Joseph Juran, a Quality Management pioneer also recognised this universal principle that later became know as Pareto’s Principle or The 80-20 Rule.

Solving the Peter Principle? One Word: "Darts"
There is a fun new working paper out from some Italian scientists that models the Peter Principle. The principle says, of course, that people climb in an organization until they reach their level of maximum incompetence.

Alessandro Volta and The Voltaic Cell
Alessandro Volta was an Italian inventor who studied electrostatics and electrochemistry and is best known for inventing the Voltaic cell.

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