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Microfinance is the provision of financial services to low-income clients, including consumers and the self-employed, who traditionally lack access to banking and related services. More broadly, it is a movement whose object is "a world in which as many poor and near-poor households as possible have permanent access to an appropriate range of high quality financial services, including not just credit but also savings, insurance, and fund transfers."[1] Those who promote microfinance generally believe that such access will help poor people out of poverty

Traditionally, banks have not provided financial services, such as loans, to clients with little or no cash income. Banks incur substantial costs to manage a client account, regardless of how small the sums of money involved. For example, the total profit for a bank from delivering 100 loans worth $1,000 each will not differ greatly from the revenue that results from delivering one loan of $100,000. But the fixed cost of processing loans of any size is considerable as assessment of potential borrowers, their repayment prospects and security; administration of outstanding loans, collecting from delinquent borrowers, etc., has to be done in all cases. There is a break-even point in providing loans or deposits below which banks lose money on each transaction they make. Poor people usually fall below that breakeven point. In addition, most poor people have few assets that can be secured by a bank as collateral. As documented extensively by Hernando de Soto and others, even if they happen to own land in the developing world, they may not have effective title to it.[2] This means that the bank will have little recourse against defaulting borrowers. Seen from a broader perspective, the development of a healthy national financial system has long been viewed as a catalyst for the broader goal of national economic development (see for example Alexander Gerschenkron, Paul Rosenstein-Rodan, Joseph Schumpeter, Anne Krueger ). However, the efforts of national planners and experts to develop financial services for most people have often failed in developing countries, for reasons summarized well by Adams, Graham & Von Pischke in their classic analysis 'Undermining Rural Development with Cheap Credit'.[3] Because of these difficulties, when poor people borrow they often rely on relatives or a local moneylender, whose interest rates can be very high. An analysis of 28 studies of informal moneylending rates in 14 countries in Asia, Latin America and Africa concluded that 76% of moneylender rates exceed 10% per month, including 22% that exceeded 100% per month. Moneylenders usually charge higher rates to poorer borrowers than to less poor ones.[4] While moneylenders are often demonized and accused of usury, their services are convenient and fast, and they can be very flexible when borrowers run into problems. Hopes of quickly putting them out of business have proven unrealistic, even in places where microfinance institutions are active.[citation needed] Over the past centuries practical visionaries, from the Franciscan monks who founded the community-oriented pawnshops of the 15th century, to the founders of the European credit union movement in the 19th century (such as Friedrich Wilhelm Raiffeisen) and the founders of the microcredit movement in the 1970s (such as Muhammad Yunus) have tested practices and built institutions designed to bring the kinds of opportunities and risk-management tools that financial services can provide to the doorsteps of poor people.[5] While the success of the Grameen Bank (which now serves over 7 million poor Bangladeshi women) has inspired the world, it has proved difficult to replicate this success. In nations with lower population densities, meeting the operating costs of a retail branch by serving nearby customers has proven considerably more challenging. Hans Dieter Seibel, board member of the European Microfinance Platform, is in favour of the group model. This particular model (used by many Microfinance institutions) makes financial sense, he says, because it reduces transaction costs. Microfinance programmes also need to be based on local funds. Local Roots Although much progress has been made, the problem has not been solved yet, and the overwhelming majority of people who earn less than $1 a day, especially in the rural areas, continue to have no practical access to formal sector finance. Microfinance has been growing rapidly with $25 billion currently at work in microfinance loans.[6] It is estimated that the industry needs $250 billion to get capital to all the poor people who need it.[6] The industry has been growing rapidly, and concerns have arisen that the rate of capital flowing into microfinance is a potential risk unless managed well.[7]

Tropical rainforests have long been home to indigenous peoples who have shaped civilizations and cultures based on the environment in which they live. Great civilizations like the Mayas, Incas, and Aztecs developed complex societies and made great contributions to science. Living from nature and lacking the technology to dominate their environment, native peoples have learned to watch their surroundings and understand the intricacies of the rainforest. Over generations these people have learned the importance of living within their environment and have come to rely on the countless renewable benefits that forests can provide.

Infectious diseases unwittingly brought by the Europeans or transferred from the Bantus are taking their toll amongst the pygmies: in a typical community about 20% of the population is ill. They suffer particularly from malaria, eye diseases such as endemic river-blindness, intestinal worm diseases, framboesia, lung- and viral infections and from wounds which easily go septic in this tropical environment. Many children catch measles and suffer from polio and their mortality rate is very high. Adequate health care is expensive and local resources are extremely limited. The unique pygmy people need our support. With the help of the many friends of the pygmies around the globe we provide essential health-care and assistance in education and agriculture - but with more funds we could do so much more. A little money goes a very long way. For example, for only Euro 30, -- you can send a pygmy child to school for a whole year. We can pay the teacher and provide educational materials and medical care for the pupil. We need your support

Pygmies - page 2

 INITIATION

The initiation lasts several days in a hidden place in the depths of the forest. After the boys to be initiated have been undressed, washed, shaved and palm oil is rubbed on their body, they are led into a special hut.

Then, they undergo multiple rituals, some public (such as dances and processions), some secret, for about a week during which they eat, drink and sleep very little.

Poison-arrow frogs are social frogs found in Central and South America. They are known by their bright colors which warn other animals that they are poisonous. Its poison is one of the most powerful known and can cause paralysis or death. It is so potent that one millionth of an ounce can kill a dog and an amount smaller than a grain of salt can kill a human. One frog carries enough poison to kill about 100 people. Native hunters use it on the tips of their arrows which is how the frog got its name. Poison-arrow frogs are about the size of a man's thumbnail (less than one inch). The tiny frogs lay their eggs on leaves. When the tadpole hatches, it is carried on one of the parents' back to a bromeliad where the parents feed it small insects, ants, spiders, crustaceans, and tiny water animals. The mother frog may also lay infertile eggs as food for the tadpoles. Poison-arrow frogs are beautiful to look at. Their colors vary from red to yellow to blue. The enemies they encounter are large animals (including humans) who may step on them. Though poison-arrow frogs carry a deadly poison, they are usually harmless if left alone.

Deserts are defined by how much rain they get. Most deserts, like the Sonoran in North America and Sahara in Africa, are hot. They receive less than 25cm of rain each year. The South and North Poles are also deserts but very cold.

What's Made From Trees? It's no wonder people have used wood products for centuries. Wood is durable, renewable, recyclable, biodegradable, energy efficient and environmentally friendly. What would your life be like without wood? Things made from trees touch our lives every day. More than 5,000 products come from trees. And there are many uses for wood that may surprise you. Trees not only provide wood and paper, but other less obvious forest products such as chemicals and other materials that are impor- tant ingredients in plastic filler, varnishes, tooth- paste, shoe polish, foam rubber and much, much more. Tree bark is used for mulches, soil conditioners, medicines and cosmetics. Once a log reaches a mill, there is virtually no waste. The entire log is used to produce either lumber, paper, particleboard products or energy. Nationally, forest product companies are one of the most efficient of all manufacturing industries because they use sawdust and other wood waste to furnish up to 75% of their energy needs.   Idaho Forest Products Commission©2005 All rights reserved.

Indeed, tropical forest is a victim of a spiritual crisis in humanity. The destruction of tropical forest reflects an all too-widespread willingness to submit to an economic determinism every bit as rigid as that of Marx. Egbert Giles Leigh Jr. (1) Rain Forest Destruction, Madagascar Photo: Jonathan TalbotWorld Resources Institute, 2003 We learn from Columbia Encyclopedia that in very early times forests covered virtually the whole land surface of the Earth, apart from the areas of perpetual snow (such as the north pole). (2) And as recently as 19 th century, tropical rain forests in their own right covered around 20% of all the dry land area of the Earth, but this figure was only 7% by the end of the 20 th century. (3) Probably the main fundamental factor that has been invariably pushing rain forest destruction more and more over the decades and indeed centuries, is the demand for the rain forest as a enormous economic and social resource. First of all, tropical rain forests are “treasure troves of nature” – they contain endless supplies of resources widely used in human societies, such as food, timber, raw materials etc. Second, rain forests cover huge swathes of land. And the land has always been a limited resource required for accommodation of ever growing human populations.

When the siren started to wail I would put on my suit and shoes and make sure my younger brother did the same. Then I would pick up a torch and we would go downstairs ready to go into our air raid shelter. My mother would have already put my grandmother into the shelter and she would have made certain that at least two candles were alight. We had to enter our Anderson shelter (which was in the front garden) by a small doorway, go down four rungs of a small ladder, close the wooden door behind us and pull a blanket over the whole entrance. My father was away in the Royal Navy serving on board H.M.S. Exeter, so I felt I was the man of the house.

A Food Pyramid in the Hot Desert Biome      Here we see a food pyramid that shows how the Kilocalories pass up the food chain.      The first trophic level is occupied by the primary producers, which are the plants.  Plants make food through photosynthesis. The limiting factor for these plants is the shortage of water, so they produce fewer than 200 Kilocalories of food for the animals for each square meter each year.     The primary consumers, who eat the plants, occupy the second trophic level. These animals have very little to eat, and are small. Many are insects, or reptiles, who are cold blooded and who use less energy to maintain their bodies than mammals and birds do. As food for predators, they provide about 20 Kilocalories per square meter per year for predators.      The predators are the secondary consumers. They occupy the third trophic level. Again we see cold-blooded animals, such as snakes, insect-eating lizards, and tarantualas. Only about 2 Kilocalories per square meter per year are stored in their bodies. In the harsher desert environments, they are the top predators.     In areas where deserts get more rain, more plant material is produced and a few tertiary consumers may be able to survive. They form a fourth trophic level.      This diagram shows the energy available at each trophic level in the hot desert biome. These numbers tell about the numbers of Kilocalories per square meter per year.  Cold Desert Energy Pyramid  Introduction to Desert Biomes  Return to Introduction to Biomes © Elizabeth Anne Viau, 1999. This material may be used freely for instructional purposes but not sold for a price beyond the cost of reproduction. Please inform the author if you use it at eviau@earthlink.net

Captured and killed in Florida, juvenile Burmese pythons (left), a young African rock python (center), and a larger African rock python lay coiled on a tray in a Unversity of Florida laboratory in late August 2009.

The World's Lungs? In the past, scientists often referred to tropical rainforests as the "lungs of the world" because of the large amount of oxygen they produce. More recent evidence shows that rainforests don't have much of an effect on the world's oxygen supply. The decomposition of dead plant matter consumes roughly the same amount of oxygen that the living plants produce. But rainforests do play a key role in the global ecosystem. Some experts are now calling them the "air conditioners to the world," because their dark depths absorb heat from the sun. Without the forest cover, these regions would reflect more heat into the atmosphere, warming the rest of the world. Losing the rainforests may also have a profound effect on global wind and rainfall patterns, potentially causing droughts throughout the United States and other areas