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It is actually a member of the rodent family that belongs in the same species as the guinea pig, agouti, coyphillas and chinchillas and is considered the largest type of rodent throughout the world.

The Capybara are a very heavy set animal with a short head and sports a coat of reddish colored fur with lighter coloring underneath.

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]

What is Deforestation Deforestation is defined as the destruction of forested land. It has proved to be a major problem all over world. However, the rates of destruction of forests are particularly high in the tropics. Causes of Deforestation The causes of deforestation vary form place to place. The most common causes, however, are logging, agricultural expansion, wars, and mining, Effects of Deforestation Deforestation has been the cause of many problems facing the world today such as erosions, loss of biodiversity through extinction of plant and animal species, and increased atmospheric carbon dioxide. Importnace of Vegetation Deforestation consequently decrease the supply of oxygen found on earth. Oxygen is essential to the existence of all living things and without it every living creature (including humans) will not be able to sustain life. In addition, forests provide homes for many important species such as the Northern Spotted Owl which can only survive in the northwestern United States . Furthermore, forests prevent desertification by replenishing nutrients in the land. These are just a few reasons why forests are soon important.  

What is Deforestation Deforestation is defined as the destruction of forested land. It has proved to be a major problem all over world. However, the rates of destruction of forests are particularly high in the tropics. Causes of Deforestation The causes of deforestation vary form place to place. The most common causes, however, are logging, agricultural expansion, wars, and mining, Effects of Deforestation Deforestation has been the cause of many problems facing the world today such as erosions, loss of biodiversity through extinction of plant and animal species, and increased atmospheric carbon dioxide. Importnace of Vegetation Deforestation consequently decrease the supply of oxygen found on earth. Oxygen is essential to the existence of all living things and without it every living creature (including humans) will not be able to sustain life. In addition, forests provide homes for many important species such as the Northern Spotted Owl which can only survive in the northwestern United States . Furthermore, forests prevent desertification by replenishing nutrients in the land. These are just a few reasons why forests are soon important.   CLICK ON A REGION BELOW Africa South America North and Central America Europe Asia Oceania     Back to top | Home | Deforestation | Prevent | Interact | Bibliography | Contact ©2005 Copyright© Think Quest Team All Rights Reserved  

    Deforestation What is Deforestation Deforestation is defined as the destruction of forested land. It has proved to be a major problem all over world. However, the rates of destruction of forests are particularly high in the tropics. Causes of Deforestation The causes of deforestation vary form place to place. The most common causes, however, are logging, agricultural expansion, wars, and mining, Effects of Deforestation Deforestation has been the cause of many problems facing the world today such as erosions, loss of biodiversity through extinction of plant and animal species, and increased atmospheric carbon dioxide. Importnace of Vegetation Deforestation consequently decrease the supply of oxygen found on earth. Oxygen is essential to the existence of all living things and without it every living creature (including humans) will not be able to sustain life. In addition, forests provide homes for many important species such as the Northern Spotted Owl which can only survive in the northwestern United States . Furthermore, forests prevent desertification by replenishing nutrients in the land. These are just a few reasons why forests are soon important.

A Dwarf is a creature from Germanic mythologies, fairy tales, fantasy fiction, and role-playing games. It usually has magical talents, often involving metallurgy. The original concept of Dwarves is very difficult to determine. Sources have gradually given Dwarves more comical and superstitious roles[1]. Dwarves were certainly humanoid, but sources differ over their lifestyles, and their similarity to Elves. They may have had a strong associations with death[2][3]: paled skin; dark hair; connections with the earth; their role in mythology. They followed animistic traditions, showing similarities to such concepts of the dead. They were similar to others from the 'Vættir' family, such as Elves.[2]

Rackham. Grouping Mythological creature Fairy Country Northern Europe

In European folklore, a dragon is a serpentine legendary creature. The Latin word draco, as in constellation Draco, comes directly from Greek δράκων, (drákōn, gazer). The word for dragon in Germanic mythology and its descendants is worm (Old English: wyrm, Old High German: wurm, Old Norse: ormr), meaning snake or serpent. In Old English wyrm means "serpent", draca means "dragon".

In Western folklore, dragons are usually portrayed as evil, with the exceptions mainly appearing in modern fiction. In the modern period the dragon is typically depicted as a huge fire-breathing, scaly and horned dinosaur-like creature, with leathery wings, with four legs and a long muscular tail. It is sometimes shown with feathered wings, crests, fiery manes, ivory spikes running down its spine and various exotic colorations. Iconically it has at last combined the Chinese dragon with the western one.

European dragon

Cold, snowy, windy. When you hear those words they make you think of mountains. The Alpine biome is like winter is to people in New England; snow, high winds, ice, all the typical winter things. In Latin the word for 'high mountain' is 'alpes'. That is where today's word alpine comes from. Alpine biomes are found in the mountain regions all around the world. They are usually at an altitude of about 10,000 feet or more. The Alpine biome lies just below the snow line of a mountain. As you go up a mountain, you will travel through many biomes. In the North American Rocky Mountains you begin in a desert biome. As you climb you go through a deciduous forest biome, grassland biome, steppe biome, and taiga biome before you reach the cold Alpine biome. In the summer average temperatures range from 10 to 15° C . In the winter the temperatures are below freezing. The winter season can last from October to May. The summer season may last from June to September. The temperatures in the Alpine biome can also change from warm to freezing in one day. Because the severe climate of the Alpine biome, plants and animals have developed adaptations to those conditions. There are only about 200 species of Alpine plants. At high altitudes there is very little CO2, which plants need to carry on photosynthesis. Because of the cold and wind, most plants are small perennial groundcover plants which grow and reproduce slowly. They protect themselves from the cold and wind by hugging the ground. Taller plants or trees would soon get blown over and freeze. When plants die they don't decompose very quickly because of the cold. This makes for poor soil conditions. Most Alpine plants can grow in sandy and rocky soil. Plants have also adapted to the dry conditions of the Alpine biome. Plant books and catalogs warn you about over watering Alpine plants. Alpine animals have to deal with two types of problems: the cold and too much high UV wavelengths. This is because there is less atmosphere to filter UV rays from the sun. There are only warm blooded animals in the Alpine biome, although there are insects. Alpine animals adapt to the cold by hibernating, migrating to lower, warmer areas, or insulating their bodies with layers of fat. Animals will also tend to have shorter legs, tails, and ears, in order to reduce heat loss. Alpine animals also have larger lungs, more blood cells and hemoglobin because of the increase of pressure and lack of oxygen at higher altitudes. This is also true for people who have lived on mountains for a long time, like the Indians of the Andes Mountains in South America and the Sherpas of the Himalayas in Asia. bibliography: "Himalayas", http://encarta.msn.com/find/, (June 2000). "General Ecology, EEOB 404", http://www.tulane.edu/~eeob/Courses/Ecology_Materials/arctic_alpine_99f.html, (June 2000).

A: Every animal has the ability to protect itself from being someone's next meal. Each species has evolved with its own set of unique adaptations, ways of helping them to survive. BLENDING IN The coloring of some animals acts as protection from their predators. Insects play some of the best hide-and-go-seek in the forest. The "walking stick" is one such insect; it blends in so well with the palm tree it calls its home that no one would notice it unless it moved. Some butterflies, when they close their wings, look exactly like leaves. Camouflage also works in reverse, helping predators, such as boa constrictors, sneak up on unsuspecting animals and surprise them. The three-toed sloth is born with brown fur, but you would never know this by looking at it. The green algae that makes its home in the sloth's fur helps it to blend in with the tops of the trees, the canopy, where it makes its home. But green algae isn't the only thing living in a sloth's fur; it is literally "bugged" with a variety of insects. 978 beetles were once found living on one sloth! STAYING OUT OF SITE The sloth has other clever adaptations. Famous for its snail-like pace; it is one of the slowest-moving animals on earth. (It can even take up to a month to digest its food!) Although its tasty meat would make a good meal for jaguars and other predators, most do not notice the sloth as it hangs quietly in the trees, high up in the canopy. ARMED AND DANGEROUS Other animals want to announce their presence to the whole forest. Armed with dangerous poisons used in life-threatening situations,their bright colors warn predators to stay away. The coral snake of the Amazon, with its brilliant red, yellow, and black coloring, is recognized as one of the most beautiful snakes in the world, But don't admire its beauty too long; its deadly poison can kill within seconds The poison arrow frog also stands out with its brightly colored skin. Its skin produces some of the strongest natural poison in the world, which Indigenous people often use for hunting purposes.Another animal with no friends is the hoatzin. Often called the stinkbird, it produces a horrible smell to scare away potential predators.

The perfect partnership - Azteca ants live on the Swollen Thorn Acacia Tree, which offers the ants everything needed for survival - lodging, water, and food for themselves and their young. In return, the ants protect the trees from predators. Whenever the ants feel something moving at the foot of the tree, they rush to fiercely fight the intruder. They also protect it from vines and other competing plants that would otherwise strangle it. As a result, nothing can grow near these trees. They are the only trees with a built-in alarm system!

he first bomb was exploded in a test at Alamogordo, New Mexico, on July 16, 1945. See also Manhattan Project. Two more bombs had been built, and the possibility arose of using them to convince the Japanese to surrender. President Harry S. Truman decided to allow the bombs to be dropped. For maximum psychological impact, they were used in quick succession, one over Hiroshima on August 6, the other over Nagasaki on August 9. These cities had not previously been bombed, and thus the bombs’ damage could be accurately assessed. U.S. estimates put the number killed or missing as a result of the bomb in Hiroshima at 60,000 to 70,000 and in Nagasaki at 40,000.

Although the human cost of the war was tremendous, casualty figures cannot always be obtained and often vary widely. Most experts estimate the military and civilian losses of Allied forces at 44 million and those of the Axis at 11 million. The total number of civilian losses includes the 5.6 million to 5.9 million Jews who were killed in the Holocaust. Of all the nations that participated in World War II, the human cost of the war fell heaviest on the USSR, for which the official total, military and civilian, is given as more than 20 million killed. The United States, which had no significant civilian losses, sustained more than 400,000 deaths.

The Yanomamo (Yah-no-mah-muh) also called Yanomamo, Yanomami and Sanuma (which means ‘Human Being') are deep jungle indigenous Indians living in the Amazon basin in both Venezuela and Brazil. The Yanomamo are believed to be the most primitive, culturally intact people in existence in the world. In spite of that, they exist within the modern period by use of technology which is well-adapted to their environment.

They number approximately 12,000 people and are distributed in some 125 widely scattered villages in the upper Amazon basin of Brazil and in the South of Venezuela (South America). They live in small villages that are separated by many miles of unoccupied land. The villages can be as small as 40 to 50 people or as large as 300 people grouped by families in one large communal dwelling called a Shabono; this disc shaped structure with an open-air central plaza is an earthly version of their god's Abode. The villages are autonomous but constantly will interact with each other. The quote following read in the book Yanomamo Warfare is intended to give more details about number of Yanomamo "The Yanomamo are by far the most numerous and best described of the four major divisions of Yanomamo. Population estimates put their numbers at 6,00

0 around 1970 (Migliazza 1972:34), at...

The immediate causes of rainforest destruction are clear. The main causes of total clearance are agriculture and in drier areas, fuelwood collection. The main cause of forest degradation is logging. Mining, industrial development and large dams also have a serious impact. Tourism is becoming a larger threat to the forests.

The creation of national parks has undoubtedly helped to protect rainforests. Yet, as national parks are open to the public, tourism is damaging some of these areas. Often, national parks are advertised to tourists before adequate management plans have been developed and implemented. Inadequate funding is allocated for preservation of forests by government departments. Governments see tourism as an easy way to make money, and therefore tourism is encouraged whilst strict management strategies are given far less government support. Ecotourism, or environmentally friendly tourism, should educate the tourists to be environmentally aware. It should also be of low impact to its environment. Unfortunately, many companies and resorts who advertise themselves as eco-tourist establishments are in fact exploiting the environment for profit. In Cape Tribulation, Australia, for example, the rainforest is being threatened by excessive tourism. Clearing for roads and pollution of waterways are two of the major problems in this area. The Wet Tropics Management Authority which oversees the surrounding World Heritage Area is promoting tourism to the area before any management plans have been formulated, before any effective waste management strategy has been devised and before any ecofriendly power alternatives have been fully explored.

One of the easiest benefits of deforestation to spot are the economic ones. Lumber products are one of the most staple constructive materials in human society. Whether it's raw lumber used for making tables and houses, or paper and other wood by-products, we simply cannot live without the use of lumber. Like steel and stone, wood is one of the most basic natural resources, and unlike steel and stone, it is renewable simply by growing more trees. The only real trick to balancing it's consumption is to grow more trees to replace the ones taken.

his benefit of deforestation not only covers the people who cut down trees and process them, but also extends to the people who "clean up" after them. For every patch of forest cut down, arable land becomes available for farmers, or can be used as an area to place urban living sites like apartments, houses, and buildings. The number of people employed by such a construction project are many and varied. Or, if the city/government mandates replanting trees to replace the lost ones, then jobs are also provided for those people who do the seeding after a patch of forest is stripped.

The smallest rhinos are found in the tropical rainforests on the islands of Sumatra, Java and Borneo.  These two species are very rare and extremely difficult to find.  Only a few photographs of them in the wild have been taken.

Sumatran and Javan rhinos—use their speed to disappear to safety in the thick grass or jungle.

For the rarest rhinos, the Sumatran and Javan rhinos, their survival may depend on how well we learn to breed them in captivity while we work to protect their wild tropical rainforest home from destruction.

Animals Climate   Northeast Asian Deciduous Forest Deciduous forests can be found in the eastern half of North America, and the middle of Europe. There are many deciduous forests in Asia. Some of the major areas that they are in are southwest Russia, Japan, and eastern China. South America has two big areas of deciduous forests in southern Chile and Middle East coast of Paraguay. There are deciduous forests located in New Zealand, and southeastern Australia also.

Deciduous forests can be found in the eastern half of North America, and the middle of Europe. There are many deciduous forests in Asia. Some of the major areas that they are in are southwest Russia, Japan, and eastern China. South America has two big areas of deciduous forests in southern Chile and Middle East coast of Paraguay. There are deciduous forests located in New Zealand, and southeastern Australia also.

What is a Rainforest?

Rainforests are extremely important in the ecology of the Earth. The plants of the rainforest generate much of the Earth's oxygen. These plants are also very important to people in other ways; many are used in new drugs that fight disease and illness.

ropical rainforests are found in a belt around the equator of the Earth. There are tropical rainforests across South America, Central America, Africa, Southeast Asia and Australia (and nearby islands).

Jaguar Jaguars (Panthera onca) are the largest felid species in the New World and the only member of the genus Panthera, the roaring cats, that occurs in the Americas. They are the third largest cat species, being outsized only by lions (P. leo) and tigers (P. trigris). Although not the largest felid, jaguars have the strongest jaw in relation to head size of any of the cats, a fact that should be remembered whenever planning to capture and immobilize these animals. The body weight of jaguars is 90 - 120 kg for males and 60 - 90 kg for females, with a large variation in body size. Jaguars live in a wide variety of tropical habitats, ranging from montane forest and wet savannah to tropical rain forest and deciduous tropical forest. The largest documented jaguars occur in wet savannahs while jaguars that live in more forested regions tend to be smaller in size

Physical appearance: Jaguars are the largest cat in the western hemisphere. In comparison with the leopard, the jaguar is generally larger and much stockier, with a broad heavy head, much shorter legs and tail (a good visual description might be a leopard on steroids). The background of the jaguar's coat is a tawny-yellow, like many of the Asiatic leopards, and lightened to whitish on the throat and belly. The jaguar is marked with small isolated spots on the head and neck with dark open ring structures, rosettes,on the sides and flank that generally contain one to four dark spots inside the rings. Interestingly, the rosettes of the leopard and the jaguar are almost identical with the exception of the jaguar having spots "inside" the rosettes where the leopard has none. Along the middle of the jaguar's back, a row of black spots may merge into a solid line. According to one Indian myth, the jaguar acquired its spotted coat by daubing mud on its body with its paws.

SavannaSavanna is grassland with scattered individual trees. Savannas of one sort or another cover almost half the surface of Africa (about five million square miles, generally central Africa) and large areas of Australia, South America, and India. Climate is the most important factor in creating a savanna. Savannas are always found in warm or hot climates where the annual rainfall is from about 50.8 to 127 cm (20-50 inches) per year. It is crucial that the rainfall is concentrated in six or eight months of the year, followed by a long period of drought when fires can occur. If the rain were well distributed throughout the year, many such areas would become tropical forest. Savannas which result from climatic conditions are called climatic savannas. Savannas that are caused by soil conditions and that are not entirely maintained by fire are called edaphic savannas. These can occur on hills or ridges where the soil is shallow, or in valleys where clay soils become waterlogged in wet weather. A third type of savanna, known as derived savanna, is the result of people clearing forest land for cultivation. Farmers fell a tract of forest, burn the dead trees, and plant crops in the ashes for as long as the soil remains fertile. Then, the field is abandoned and, although forest trees may recolonize, grass takes over on the bare ground (succession), becoming luxuriant enough to burn within a year or so. In Africa, a heavy concentration of elephants in protected parkland have created a savanna by eating leaves and twigs and breaking off the branches, smashing the trunks and stripping the bark of trees. Elephants can convert a dense woodland into an open grassland in a short period of time. Annual fires then maintain the area as a savanna.

The Champions of the Animal KingdomPeople are good at a lot of things, but if animals could enter the Olympics as one team they would probably win almost all the medals! Animals can outrun, outswim, and outjump all humans. Young cheetahs learn to hunt by watching their mother. Later, they start taking part in the hunt. Cheetahs are the fastest land animal and can reach speeds of 113kph in short bursts. ©G.Ellis/GLOBIO.org Fastest Mammal on Land Cheetahs can run up to 113 kph. Fastest Mammal in Water Dall porpoises can swim up to 56 kph. Fastest Flying Bird Peregrine falcons can dive toward the ground at more than 320 kph. Fastest Flightless Bird North African ostriches are the fastest birds on land. They can run at speeds up to 72 kph. They are also the biggest bird. They can weigh 155 kg. Fastest Fish Sailfish can swim up to 109 kph. Loudest Animal The blue whale’s low-frequency pulses are as loud as 188 decibels. This is louder than a jet engine. A blue whale’s call can be detected more than 805 km away. On land, the loudest animals are howler monkeys. Their howls can be heard 4.8 km away.

Arctic terns migrate to and from the Antarctic - about 35,405 km round trip - each year. Among mammals, gray whales and northern elephant seals are the migration champions. They travel up to 20,900 km round trip each year. Deadliest Animal Female Anopheles mosquitoes, which carry and transmit malaria, play a role in the deaths of more than a million people each year. Most Venomous Animal A single sea wasp (a kind of jellyfish with 60 tentacles, each 4 m long) has enough venom to kill 60 adult humans. Strongest Animal The rhinoceros beetle can lift 850 times its own weight

Farmland is made.

The wood cut down is sold as timber and used as fuel.

There are also social reasons for cutting down the trees. Transport links. Roads and railways are needed to move goods and people. Settlements. Modern cities such as Manaus in Brazil and Jakarta in Indonesia have been developed in areas that were once were tropical rainforest.