Bøger af Natalie James

Enter the world of Zen through specially designed calming kaleidoscopes. Bring these designs to life with your own unique colors and imagination.Coloring is a calming, fun activity that can enhance your mood any time of the day.The Better Than Zen series is a journey through exotic Asia. Come relax and color now.

A perfect, unfailing, faithful love. You Are SO Loved provides hope to all children. It nurtures and strengthens confidence in every child who reads it. No matter what they do, see, hear, or experience, God will always be present, and will love them forever. They will: Gain understanding of God's unfailing love for them. Feel loved beyond measure.Understand the truth of who they are and how precious they are. Learn to build a genuine friendship with God and understand that we place our value on how deeply God loves us and on who He says we are, not on what the world says. God put a bright rainbow in the sky to remind us all of His promises. Genesis 9:11-17

This book is composed of three essays which met the requirement for a PhD in the Applied Economics Program at Auburn University. After taking a course in economic development, I became interested in microfinance institutions, impact analysis, economic growth, and asymmetric information. Each essay is unique and serves a distinct purpose. The first uses data graciously provided by a Norwegian Economist, Dr. Roy Mersland, on a large global sample of small microfinance institutions. The data provided allowed for correct scale and production elasticity computation to show the constraints of reaching the poorest of the poor. The second essay compares scale based on MFI type. The results show that productive efficiency is reached with NGOs over Rural Banks, indicates lending to woman drives scale, and compares average scale by region. While attending a microfinance conference at the ULB (Universite de Bruxelles), I had the pleasure of comparing my results to Mr. Nawaz''s work, a student at the University of Gottingen. The third essay incorporates borrowed funds and off-balance sheet activity which results in an exciting tale that corresponds to the Wall Street Collapse of 2007.