软件发布:Small Business Advisor

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Business / Commerce Finance / Investing Small Loans, Big Dreams: How Nobel Prize Winner Muhammad Yunus and Microfinance are Changing the World By Alex Counts -------------------------------------------------------------------------------- Publisher: Wiley Number Of Pages: 410 Publication Date: 2008-04-04 ISBN-10 / ASIN: 0470196327 ISBN-13 / EAN: 9780470196328 Binding: Hardcover -------------------------------------------------------------------------------- Product Description: Micro-financing is considered one of the most effective strategies in the fight against global poverty. It can be implemented on the massive scale necessary to respond to the urgent needs of the world's poorest. And now, in Small Loans, Big Changes, author Alex Counts looks at the lives of micro-lending borrowers from the Grameen Foundation in Bangladesh and Chicago. All of the borrowers profiled here are women of little-to-no means, each struggling to gain financial independence. Readers will discover how, in Bangladesh, these women face off against very poor living conditions and the prejudice of men, while in Chicago, they must overcome crime and other hurdles that come with life in the inner city. Written in a straightforward and accessible style, Small Loans, Big Changes reveals how Muhammad Yunus and his concept of micro-financing has helped those living in poverty achieve real financial independence. -------------------------------------------------------------------------------- Summary: Small Loans, Big Dreams Rating: 5 Dear Friends, I have just finished an amazing and inspiring book that I'd like to make you aware of - Small Loans, Big Dreams - by my good friend, colleague, and advisor Alex Counts, President and CEO of the Grameen Foundation. For those of you who may have read his other book - Give Us Credit - you will love catching up with some of those women from Bangladesh and from Chicago he brought alive in 1996. Women like Shandha, the "mother hen" of her credit center whose son became one of the first recipients of Grameen's high education loan and has now completed his master's degree. Or Omiyale and Queenesta, two African-American woman living in Chicago who were part of a solidarity group called Les Papillons (The Butterflies). You'll love getting caught up with how their lives have been evolving as they continue to face the obstacles and bumps in the road that the poor all over the world face. Even if you didn't read Give Us Credit, you'll love reading about these women and their struggles now. Alex is an amazing storyteller and you quickly get caught up in their lives as they participate in microfinance programs half way around the world from each other. You see so quickly just how microfinance transforms lives, although not always in the nice, neat way we would like to see it function. Alex is nothing if not honest as he lets his subjects' stories unfold. It is fascinating to see the intertwining of the modifications the Grameen Bank and other microfinance institutions have made over time and the lives of real people as those changes affect their lives and their choices. As Alex says, ". . . their uneven but steady progress has reaffirmed my belief in microfinance, and also my desire to ensure that the model continues to improve and serve the poor better through more responsive products." At the same time, this book is not just about these women. Rather, it is fundamentally a book about how Professor Muhammad Yunus and the microfinance movement are changing the world. Throughout the book, Alex provides his own insights into microfinance as it has evolved from the origins of the Grameen Bank to that of a broader social and business movement. After reading the book, you will understand much better why microfinance is today at a crossroads, what the divisions are about, and why Fonkoze in Haiti keeps its focus on the core business of microfinance - reducing poverty - by refining and extending the tools (whether financial, educational or health care related) that it makes available to the poor, wherever they are on their journey out of poverty. This is a big book about small loans that will help you understand the gigantic movement they have spawned. When you get the time, do pick it up and take a peek inside . . . it won't be easy to put it back down. Enjoy! Anne Hastings Fonkoze Haiti
Preface The introduction of the IBM Personal Computer in 1982 fostered a technology revolution that has changed the way the world does business. Prior to that historic milestone, several personal computers existed, e.g., Apple, TRS 80, but they were primarily used by individuals, schools, and small businesses. When computer main- frame giant, International Business Machines (IBM) entered the personal computer market in 1982, the event quickly captured the attention of corporations and gov- ernment agencies worldwide. Personal computers were no longer thought of as toys and almost overnight they were accepted as reliable business computers. Since their introduction, IBM PCs and compatible computers have evolved into powerful corporate network servers, desktop computers, and notebook computers. They have also migrated into millions of households, and their popularity exploded during the 1990s when the world discovered the Internet. The worldwide popularity of both personal computers and the Internet has been a mixed blessing. The immediate popularity of the IBM PC was not anticipated. The DOS operating system installed on the original personal computers back in 1982 was never intended for commercial use and therefore was not designed to be secure. In the interest of maintaining compatibility with the early versions of DOS, upgrades to the operating system could not adequately address security issues. As a result, most corporate desktop PCs and notebook computers lack adequate secu- rity. Millions of personal computers are used as tools to conduct financial transactions and to store trade secrets, sensitive personal medical data, and employment infor- mation. Many of these computers and more are also connected to the Internet to send and receive e-mail and to browse the wealth of information on the World Wide Web. The designers of the Internet never envisioned that it would become the hub of international commerce. As a result, security was not built into the original design of the Internet. The wide acceptance of the personal computer and the Internet has created some concerns for security that are just now being realized. The dramatic increase in computing speeds has added to the dilemma because such speeds aid hackers in breaking into systems. The inherent security problems associated with personal computers, tied to their popularity in the workplace, have fostered new corporate problems. Now internal audits involve the examination of computer records. Criminal investigations and civil investigations routinely involve computer evidence and such inquiries require new methods and tools for investigators and internal auditors alike. That is what this book is all about, and its coming has been long overdue. It deals with practical methods and techniques that have proven to be effective in law enforcement and ©2000 by CRC Press LLC military circles for years. Only recently has this type of information and tools been available to corporate auditors and investigators. Michael R. Anderson Mr. Anderson retired after 25 years of federal law enforcement service and is currently the president of New Technologies, Inc., a corporation that provides train- ing and develops specialized forensic tools for use in computer evidence processing. While employed by the federal government, he developed some of the original computer evidence training courses for the federal government and is currently a member of the faculty of the University of New Haven, Connecticut. He is also a co-founder of the International Association of Computer Investigative Specialists and is a training advisor to the National White Collar Crime Center. He can be reached via e-mail at mrande@teleport.com regarding computer evidence- and security review-related questions.

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