Las instrucciones guían al usuario para tomar una foto frente al monitor, advirtiendo que no se mueva ni desvíe la mirada de la lente, pero luego revelan que era una broma para hacerlo parecer tonto, instando al usuario a continuar trabajando.
The Rural Bank of Digos turned itself around in the 1990s by bringing in new management, increasing capitalization, computerizing systems, and opening three new branches. It also formed partnerships with other Philippine banks and organizations. In the 2000s, the bank further professionalized its human resources department, infused additional capital, opened two more branches, and received regional and national awards. The bank offers microfinance products like short-term loans for small businesses and farmers to help them expand operations and access working capital. It is supported by training, equipment, technical assistance, and product evaluations from MABS-M. The bank has grown in number of active borrowers, loan portfolio size, field staff, loans disbursed, and
Rural Microinsurance Helping the Poor weather the stormMABSIV
Richard Leftley, President and CEO of Microensure, presented on microinsurance products and strategies. Some key points:
1) The poor face significant risks but lack adequate safety nets, though demand exists for insurance products like health, life, and property coverage.
2) MicroEnsure was founded in 2005 to serve this market and now insures over 3.5 million lives globally.
3) Successful microinsurance requires partnerships between insurers and organizations serving the poor, as well as affordable premiums, quick claims processing, and education on product usage.
4) Products must meet client needs and regulatory standards while remaining operationally and financially viable for all parties involved.
Este documento describe el desarrollo de un modelo para evaluar la calidad de bibliotecas jurídicas especializadas. El modelo se basa en criterios cuantitativos a través de indicadores y criterios cualitativos mediante estudios de satisfacción de usuarios. El autor aplica este modelo a la Biblioteca del Tribunal Superior de Justicia de Andalucía, analizando los resultados objetivos e interpretando las encuestas de usuarios para medir su grado de satisfacción.
The document summarizes key investment and M&A trends for the second quarter of 2012. It found that while the total deal value and number of deals increased from Q2 2011, the average deal value decreased significantly. The number of deals increased across all regions and sectors. Asia/Pacific and South America had the highest average deal values, while average deal values decreased the most in Europe and North America. Hardware/infrastructure saw the largest increase in total deal value.
Las instrucciones guían al usuario para tomar una foto frente al monitor, advirtiendo que no se mueva ni desvíe la mirada de la lente, pero luego revelan que era una broma para hacerlo parecer tonto, instando al usuario a continuar trabajando.
The Rural Bank of Digos turned itself around in the 1990s by bringing in new management, increasing capitalization, computerizing systems, and opening three new branches. It also formed partnerships with other Philippine banks and organizations. In the 2000s, the bank further professionalized its human resources department, infused additional capital, opened two more branches, and received regional and national awards. The bank offers microfinance products like short-term loans for small businesses and farmers to help them expand operations and access working capital. It is supported by training, equipment, technical assistance, and product evaluations from MABS-M. The bank has grown in number of active borrowers, loan portfolio size, field staff, loans disbursed, and
Rural Microinsurance Helping the Poor weather the stormMABSIV
Richard Leftley, President and CEO of Microensure, presented on microinsurance products and strategies. Some key points:
1) The poor face significant risks but lack adequate safety nets, though demand exists for insurance products like health, life, and property coverage.
2) MicroEnsure was founded in 2005 to serve this market and now insures over 3.5 million lives globally.
3) Successful microinsurance requires partnerships between insurers and organizations serving the poor, as well as affordable premiums, quick claims processing, and education on product usage.
4) Products must meet client needs and regulatory standards while remaining operationally and financially viable for all parties involved.
Este documento describe el desarrollo de un modelo para evaluar la calidad de bibliotecas jurídicas especializadas. El modelo se basa en criterios cuantitativos a través de indicadores y criterios cualitativos mediante estudios de satisfacción de usuarios. El autor aplica este modelo a la Biblioteca del Tribunal Superior de Justicia de Andalucía, analizando los resultados objetivos e interpretando las encuestas de usuarios para medir su grado de satisfacción.
The document summarizes key investment and M&A trends for the second quarter of 2012. It found that while the total deal value and number of deals increased from Q2 2011, the average deal value decreased significantly. The number of deals increased across all regions and sectors. Asia/Pacific and South America had the highest average deal values, while average deal values decreased the most in Europe and North America. Hardware/infrastructure saw the largest increase in total deal value.
Barcelona, Spain is a popular study abroad destination for American students during the spring semester of 2012. The program offers students the opportunity to take courses in Spanish language, history, and culture while living with a host family in the city. Students will experience the rich culture and history of Barcelona through classes, excursions, and total immersion in the local Spanish lifestyle.
Este documento discute como o modelo de franquias pode ser uma solução para empreendedores que desejam expandir seus negócios de forma rápida e controlada, mantendo a essência da marca. Ele fornece dados sobre o crescimento do mercado de franquias no Brasil e explica como a Cardinalis pode ajudar a desenvolver um sistema de franquias de sucesso.
Este documento resume o mandato da vereadora Professora Josete entre 2009-2012. Ela se destacou pela fiscalização do Executivo e Legislativo, denunciando irregularidades, e pela defesa da educação pública de qualidade e do aumento dos investimentos nessa área.
O documento descreve uma análise de dados de jogos do Campeonato Brasileiro entre 2003-2008 para tentar prever resultados com base em fatores como distância viajada, intervalo entre jogos e mando de campo. Foi difícil encontrar padrões sequenciais que preveem resultados, mas observou-se que times têm mais chances de vitória jogando em casa e após intervalos regulares entre jogos. Curta distância de viagem também está associada a maior probabilidade de vitória.
From Best Practices to Next Practices in MicrofinanceMABSIV
This document discusses best practices and next practices for microfinance organizations. Best practices that ensure sustainability include proper lending methodology, market surveys, product development, and pilot testing. Next practices focus on further strengthening controls, increasing efficiency through automation and reducing costs, improving governance, client protection, and establishing a culture open to change. Next practices aim to allow organizations to continue delivering a wide range of products across different market segments while factoring the internal and external environment.
Caso de ortopedia karla y josmar definitivoJosmarLizcano
Este documento presenta un caso clínico de ortopedia dental realizado por dos estudiantes de odontología de la Universidad de Carabobo. El caso involucra a un paciente cuyos datos personales no se proporcionan y fue tratado en marzo de 2013 como parte de un diplomado de odontopediatría.
1. The document discusses a conversation between two individuals about various topics like education, current events, and family matters.
2. They discuss education levels and careers. One person talks about finishing their studies 20 years ago and working since then.
3. The conversation then moves to discussing current news and family health matters. One person asks about the other's family and wishes them well.
Embrapa’s platform for impact assessment of agricultural technologies and Ind...CIAT
An agricultural research institution in Brazil developed a strategic plan to systematically assess the social and environmental impacts of new technologies in addition to economic impacts. [1] They created a platform called Ambitec-Agro that uses 125 indicators across 24 criteria to evaluate impacts. [2] Field surveys are used to collect data on technology adoptions and assign weighting factors to indicators. [3] The system generates socio-environmental performance indices on a 15 point scale for criteria and an overall integrated impact index.
Barcelona, Spain is a popular study abroad destination for American students during the spring semester of 2012. The program offers students the opportunity to take courses in Spanish language, history, and culture while living with a host family in the city. Students will experience the rich culture and history of Barcelona through classes, excursions, and total immersion in the local Spanish lifestyle.
Este documento discute como o modelo de franquias pode ser uma solução para empreendedores que desejam expandir seus negócios de forma rápida e controlada, mantendo a essência da marca. Ele fornece dados sobre o crescimento do mercado de franquias no Brasil e explica como a Cardinalis pode ajudar a desenvolver um sistema de franquias de sucesso.
Este documento resume o mandato da vereadora Professora Josete entre 2009-2012. Ela se destacou pela fiscalização do Executivo e Legislativo, denunciando irregularidades, e pela defesa da educação pública de qualidade e do aumento dos investimentos nessa área.
O documento descreve uma análise de dados de jogos do Campeonato Brasileiro entre 2003-2008 para tentar prever resultados com base em fatores como distância viajada, intervalo entre jogos e mando de campo. Foi difícil encontrar padrões sequenciais que preveem resultados, mas observou-se que times têm mais chances de vitória jogando em casa e após intervalos regulares entre jogos. Curta distância de viagem também está associada a maior probabilidade de vitória.
From Best Practices to Next Practices in MicrofinanceMABSIV
This document discusses best practices and next practices for microfinance organizations. Best practices that ensure sustainability include proper lending methodology, market surveys, product development, and pilot testing. Next practices focus on further strengthening controls, increasing efficiency through automation and reducing costs, improving governance, client protection, and establishing a culture open to change. Next practices aim to allow organizations to continue delivering a wide range of products across different market segments while factoring the internal and external environment.
Caso de ortopedia karla y josmar definitivoJosmarLizcano
Este documento presenta un caso clínico de ortopedia dental realizado por dos estudiantes de odontología de la Universidad de Carabobo. El caso involucra a un paciente cuyos datos personales no se proporcionan y fue tratado en marzo de 2013 como parte de un diplomado de odontopediatría.
1. The document discusses a conversation between two individuals about various topics like education, current events, and family matters.
2. They discuss education levels and careers. One person talks about finishing their studies 20 years ago and working since then.
3. The conversation then moves to discussing current news and family health matters. One person asks about the other's family and wishes them well.
Embrapa’s platform for impact assessment of agricultural technologies and Ind...CIAT
An agricultural research institution in Brazil developed a strategic plan to systematically assess the social and environmental impacts of new technologies in addition to economic impacts. [1] They created a platform called Ambitec-Agro that uses 125 indicators across 24 criteria to evaluate impacts. [2] Field surveys are used to collect data on technology adoptions and assign weighting factors to indicators. [3] The system generates socio-environmental performance indices on a 15 point scale for criteria and an overall integrated impact index.