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Microfinance and micro credits are concepts that are used frequently when talking about poverty reducing actions. This paper is a case study of the poverty alleviation impacts of microfinance institutions and it contrasts the effects of Grameen Bank and Bangladesh Rural Advancement Committee (BRAC) operating in Bangladesh. The case study examines the organisations effects in the 21st century since most of the reports have compared the effects in the past not reflecting on future conditions. The questions at issue are if Grameen Bank and BRAC can affect the poverty status of its members in a positive way and if there is a positive effect, which of the approaches are the best to use? To analyse the non monetary dimension, concepts such as health and education has been used as indicators for poverty reduction and the monetary indicator used is income through employment. Simultaneously economic models and concepts have been considered throughout the paper. The findings of this case study implied that both organisations have positive effects on reducing poverty among its members, but BRAC has the broadest view seeing to all factors investigated and therefore its approach is the best to use. Nevertheless, as previous studies have implied sustainability and cost-effectiveness within the microfinance programme is important for the long-run poverty reduction. Evaluating the economic performance of the two organisations Grameen Bank is more efficient in using its resources than BRAC, but Grameen Bank show a decreasing rate of efficiency while BRAC is improving significantly. With this in consideration BRAC is still showing the best poverty reducing result for its members today, but if the organisation does not find a way to improve its economical performance its actions will not be sustainable in the long run.

<p>Microfinance and micro credits are concepts that are used frequently when talking about poverty reducing actions. This paper is a case study of the poverty alleviation impacts of microfinance institutions and it contrasts the effects of Grameen Bank and Bangladesh Rural Advancement Committee (BRAC) operating in Bangladesh. The case study examines the organisations effects in the 21st century since most of the reports have compared the effects in the past not reflecting on future conditions. The questions at issue are if Grameen Bank and BRAC can affect the poverty status of its members in a positive way and if there is a positive effect, which of the approaches are the best to use? To analyse the non monetary dimension, concepts such as health and education has been used as indicators for poverty reduction and the monetary indicator used is income through employment. Simultaneously economic models and concepts have been considered throughout the paper.</p><p>The findings of this case study implied that both organisations have positive effects on reducing poverty among its members, but BRAC has the broadest view seeing to all factors investigated and therefore its approach is the best to use. Nevertheless, as previous studies have implied sustainability and cost-effectiveness within the microfinance programme is important for the long-run poverty reduction. Evaluating the economic performance of the two organisations Grameen Bank is more efficient in using its resources than BRAC, but Grameen Bank show a decreasing rate of efficiency while BRAC is improving significantly. With this in consideration BRAC is still showing the best poverty reducing result for its members today, but if the organisation does not find a way to improve its economical performance its actions will not be sustainable in the long run.</p>

Thesis (M. Sc.)--University of Alberta, 2009. / Title from PDF file main screen (viewed on Aug. 25, 2009). "A thesis submitted to the Faculty of Graduate Studies and Research in partial fulfillment of the requirements for the degree of Master of Science, Department of Earth & Atmospheric Sciences, University of Alberta." Includes bibliographical references.

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The Oligocene Brac Formation is the oldest part of the Bluff Group that is exposed on Cayman Brac. Sediments of the Brac Formation were deposited on a small, open bank in shallow marine waters. Today, the formation is composed of limestone, finely crystalline dolostone, and coarsely crystalline sucrosic dolostone. The Pollard Bay member, defined herein, comprises the sucrosic dolomite that is exposed only on the south coast of Cayman Brac. Changes in sea level and subsequent groundwater chemistry mediated a complex diagenetic evolution that is responsible for the lithological heterogeneity that now characterizes the formation. Field, petrographic, and geochemical analyses indicate that dolomitization was probably mediated by normal to slightly modified seawater. Multiphase dolomite crystals represent different stages of textural and geochemical maturity, and attest to time-transgressive dolomitization processes that evolved in various hydrologic regimes through time.

Thesis (Ph. D.)--University of Toronto, 2004. / Adviser: Joseph Farrell. Includes bibliographical references (leaves 393-420).

Purpose: Women at familial/genetic ovarian cancer risk often undergo screening despite unproven efficacy. Research suggests each woman has her own CA125 baseline; significant increases above this level may identify cancers earlier than standard 6-12 monthly CA125>35U/mL. Experimental Design: Data from prospective Cancer Genetics Network and Gynecologic Oncology Group trials, which screened 3,692 women (13,080 woman-screening years) with a strong breast/ovarian cancer family history or BRCA1/2 mutations, were combined to assess a novel screening strategy. Specifically, serum CA125 q3 months, evaluated using a risk of ovarian cancer algorithm (ROCA), detected significant increases above each subject’s baseline, which triggered transvaginal ultrasound. Specificity and PPV were compared with levels derived from general population screening (specificity 90%, PPV 10%), and stage-at-detection was compared with historical high-risk controls.

Downsizing, realignment, and closure of military bases have forced many low-skilled, blue-collar federal employees into involuntary job loss and job transition. The impact of involuntary job loss on blue-collar workers has been linked to stress and other adverse psychological effects. There is gap in the literature regarding the lived experiences of federal blue-collar employees following downsizing of military bases. The purpose of this qualitative, interpretive phenomenological study was to examine lived experiences of job loss and job transition for federal blue-collar employees following downsizing of military bases. Schlossberg's transition theory provided a conceptual framework for the study. Ten ex-federal blue-collar employees were recruited through purposeful sampling and interviewed using a semistructured interview strategy. The modified Moustakas and Stevick-Coliazzi-Keen method of analysis was used to analyze the data and report emergent themes. The following 7 themes emerged from the data: transition was associated with negative feelings, employer was unprepared for transition process, support provided by employer, emotional support from family and significant others, engaged in other activities, accepted the transition process, and drew motivation from family. The findings from this study may contribute to positive social change by providing important information that human resource managers, industrial/organizational psychologists, and government agencies can use to advocate for the need for developing programs that support civilian job transition services to individuals who are affected by federal downsizing.

<p>  </p> <p>This dissertation is composed of three independent chapters in the field of the economic geography and international trade. However, there is one uniting theme between all three chapters: geographic spillovers. In each chapter, a source of geographic spillovers that is relevant to policymakers is investigated. Further, each chapter addresses a theoretical or data-driven challenge to identifying these spillovers and implements an improved methodology for estimation. In particular, the first chapter studies agglomeration and congestion spillovers, the impact of employment density on the productivity of workers and the amenities associated with living in a location, respectively, by using variation from a natural experiment. The second chapter studies fiscal multipliers, the effect of government spending on economic activity, by using variation from the same natural experiment. Finally, the third chapter studies import spillovers, the impact of neighboring firms' experience sourcing from foreign markets on the likelihood that firms in the same location and industry enter into those same markets, by using detailed data on Serbian firms.</p> <p><br></p> <p>In the first chapter, <em>Agglomeration and Congestion Spillovers: Evidence from Base Realignment and Closure</em>, I quantify agglomeration and congestion spillovers using variation from a natural experiment by instrumenting for changes in local employment with proposed changes to civilian employment at military installations through the Base Realignment and Closure (BRAC) process. I find an agglomeration spillover elasticity consistent with the existing literature. However, my estimate of the congestion spillover elasticity is smaller in magnitude than common parameterizations of quantitative economic geography models. All else equal, with a weaker congestion spillover elasticity, more of the distribution of economic activity across space is due to natural advantages and disadvantages. This result implies smaller gains from implementing the optimal spatial policy. </p> <p><br></p> <p>In the second chapter, <em>Local Fiscal Multipliers and Defense Spending</em>, I estimate county-level fiscal multipliers using shocks to military employment to instrument for local defense spending. Aggregate shocks to military employment are subject to the Base Realignment and Closure process, which is designed to isolate the recommendations of the Department of Defense from political influences. By exploiting variation in military employment, I address the endogeneity of government spending when using changes in defense spending to estimate fiscal multipliers. In addition, this method addresses the attenuation bias due to geographic measurement error that results from using data on military contracts alone with small geographic units. This extends the common method for estimating state- and national-level fiscal multipliers using variation in defense spending to more local geographic units. My estimates imply a local income multiplier between 0.5 and 0.8, which is smaller than existing estimates that use non-defense-based sources of variation, but larger than the existing estimates based on variation in defense contract spending. </p> <p><br></p> <p>In the third chapter, <em>International Sourcing and Firm Learning: Evidence from Serbian Firms</em>, we find that compared to non-importers, importers are more productive and pay higher wages as they source better quality and cheaper production inputs. However, little is known about how these firms learn about their sourcing markets. We quantify the impact of neighboring firms' importing experience on the decision to start sourcing inputs from new markets using merged customs and administrative data from Serbian firms. We find that firms are more likely to start importing from a new market if firms in the same industry and location have imported from that market and if those firms increased their imports over time. Further, our results support a distinction between imports and exports for the decision to enter foreign markets; unlike exports, import sourcing choices are not independent across countries, but are substitutes. We also investigate origin-country and firm heterogeneity. Our results indicate that the impact of neighboring firms' importing experience is greater for source countries in the European Union market and for firms that are high productivity, foreign owned, and previous importers. Together, these findings suggest that a firm's spatial connections are an important factor in its access to global markets as sources for inputs.</p>