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Making Cultural Differences Work in Your Business
Advancements in technology have made the world so much smaller, don’t you think? We used to be separated by mountains and oceans, color and culture.
But now on the highways and byways of the internet, we’re but a single mouse click away....
Small Business Tax Credit - Americans with Disabilities Act
Many small businesses complain when confronted with the expense of complying with the Americans with Disabilities Act. Most do not realize that there are a number of tax incentives available to offset the costs. Importantly, one tax incentive comes...
Small Businesses Speed Growth With New Online Customer Care
MESA, Arizona, Dec. 8, 2005 - PromoterZ(tm) (pronounced
promoters), a new online customer loyalty, care and referral
system for small businesses, is now available at
www.promoterz.com. The system provides an online service that
includes customer...
Survival Tips For Small Businesses
You may be in Mail Order, Direct Mail, or you may be a local merchant with 150 employees; whichever, however or whatever---you've got to know how to keep your business alive during economic recessions. Anytime the cash flow in a business, large...
The Secret Success Principle For Small Businesses Everywhere
How to use the magical secret discovered by an Italian Economist in the last century.
by Brian Li, head of the UK's Business Growth Centre
If you are involved in any small or home-based business, the secrets of success discovered over a...
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Small Loans Can Have a Huge Impact
There's a new trend in the massive world of international finance called "microcredit" or "microfinance." It's the process of giving relatively small loans that help impoverished people start or grow their own small businesses.
Instead of giving a huge check to the government of a country, micro loans go directly to an individual, empowering them with the chance to use their moxie and business sense to build a better life. The loan is usually accompanied by guidance from a mentor and community development assistance.
An example of a microcredit loan might be an Ecuadorian widow being given $250 to buy tools to make her own leather goods. She would get mentoring from the local community development officers, and establish her business. When her profits increased she would pay off the loan.
Women, who have the hardest time establishing a livelihood for themselves, are frequently the recipients of these loans. Once they get the loan they also get to be connected with a wide variety of help from credit counselors and marketing experts. Often, borrowers will themselves, after getting established, help fellow loan recipients, and the cycle goes on.
Microcredit started in rural Bangladesh, a pioneering approach developed by The Grameen Bank. In the language of the area "Grameen" means "rural" or "village." In this rural area the loans were used to buy goats, rabbits, to start
small shops, etc. The approach was so successful that it quickly spread around the globe. The United Nations now has declared fostering microcredit to be a formal goal of their organization.
Microcredit is a more personal approach to providing assistance to impoverished people. Instead of just receiving a handout, microcredit recipients join a community of mentors and fellow businesspeople. The donors are often also very involved--one organization urges donors to send an inspiring letter and a photo of themselves along with their donation. Sometimes the donations aren't used to help start a business but, for example, help a war survivor get back on his/her feet.
Microcredit programs are found all over the world, but most often in poor countries, or those that have been hit by natural disasters, manmade disasters like war and genocide. Tsunami victims will likely eventually be part of a micro lending program. Programs are found in Rwanda, Afghanistan, Bosnia and Iraq. These programs are working to raise the quality of life for the people who need it most.
About the author:
Teidi Mitteler is the founder of FCH Loan - the number 1 resource for information on loans. To see more articles on loans, visit this site: http://www.fchloan.com
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