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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]

Poverty in Asia,caste and progress. In this FAO Poverty In Asia map, Darker is Poorer but some light areas are just 'no data' - see our Poor in a Rich World page.A majority of the worlds poorest people today are in Asia - partly because it holds a majority of the world's population. Of course some Asian countries like Japan and South Korea are not as poor as others like India and Cambodia, with Asian poverty being concentrated in South Asia.  Asian poverty1. Poverty in some Asian countries is largely due to the pressure of population growth on scarce resources and inadequate governments allowing strongly negative caste discrimination. 2. Education, medicine, clean water and sanitation are often inadequate also3. In some Asian countries land ownership being problematic also encourages poverty. 4. Asia till recently attracted less foreign investment than Latin America, but more of it has been stable longer-term European investment. Some of Asia has shown good progress on poverty in recent years, like China and South Korea. (in China noteably helped partly by controls on population growth)  But Asia, holding the largest populations, still has many extreme poor. The current world recession is also causing family remittances from overseas workers or migrant workers to fall. As more migrant workers lose jobs in Western Europe and the USA, remittances to their poor families in Central Asia are being hit hard. And the likely prospect for aid in the short term is a sharp fall.

# The new green selected food crops have been helping in reducing poverty in Asia, but the newer genetically modified food crops and their monopoly providers seem to have been unhelpful to date ? See South Asia Land Management  - SACEP pdf 1.5 mb # For one small charity trying to do some good extreme-poverty work in India today, see SEED at seedkolkata.org or for another similar good small extreme-poverty charity working in Cambodia, see the Sao Sara Foundation at ssfcambodia.org Good small charities like these often lack the money they need to do as much as they would like. # For facts about individual countries, see NationMaster

Biomes are the major regional groupings of plants and animals discernible at a global scale. Their distribution patterns are strongly correlated with regional climate patterns and identified according to the climax vegetation type. However, a biome is composed not only of the climax vegetation, but also of associated successional communities, persistent subclimax communities, fauna, and soils.

The global distribution pattern: Where each biome is found and how each varies geographically. A given biome may be composed of different taxa on different continents. Continent-specific associations of species within a given biome are known as formations and often are known by different local names. For example,the temperate grassland biome is variously called prairie, steppe, pampa, or veld, depending on where it occurs (North America, Eurasia, South America, and southern Africa, respectively). The general characteristics of the regional climate and the limitations or requirements imposed upon life by specific temperature and/or precipitation patterns. Aspects of the physical environment that may exert a stronger influence than climate in determining common plant growthforms and/or subclimax vegetation. Usually these factors are conditions of the substrate (e.g., waterlogged; excessively droughty, nutrient-poor) or of disturbance (e.g., periodic flooding or burning). The soil order(s) that characterize the biome and those processes involved in soil development. The dominant, characteristic, and unique growthforms; vertical stratification; leaf shape, size, and habit; and special adaptations of the vegetation. Examples of the last are peculiar life histories or reproductive strategies, dispersal mechanisms, root structure, and so forth. The types of animals (especially vertebrates) characteristic of the biome and their typical morphological, physiological, and/or behavioral adaptations to the environment.

The global distribution pattern: Where each biome is found and how each varies geographically. A given biome may be composed of different taxa on different continents. Continent-specific associations of species within a given biome are known as formations and often are known by different local names. For example,the temperate grassland biome is variously called prairie, steppe, pampa, or veld, depending on where it occurs (North America, Eurasia, South America, and southern Africa, respectively). The general characteristics of the regional climate and the limitations or requirements imposed upon life by specific temperature and/or precipitation patterns. Aspects of the physical environment that may exert a stronger influence than climate in determining common plant growthforms and/or subclimax vegetation. Usually these factors are conditions of the substrate (e.g., waterlogged; excessively droughty, nutrient-poor) or of disturbance (e.g., periodic flooding or burning). The soil order(s) that characterize the biome and those processes involved in soil development. The dominant, characteristic, and unique growthforms; vertical stratification; leaf shape, size, and habit; and special adaptations of the vegetation. Examples of the last are peculiar life histories or reproductive strategies, dispersal mechanisms, root structure, and so forth. The types of animals (especially vertebrates) characteristic of the biome and their typical morphological, physiological, and/or behavioral adaptations to the environment.

Many species of animal life can be found in the rain forest. Common characteristics found among mammals and birds (and reptiles and amphibians, too) include adaptations to a life in the trees, such as the prehensile tails of New World monkeys. Other characteristics are bright colors and sharp patterns, loud vocalizations, and diets heavy on fruits. Insects make up the largest single group of animals that live in tropical forests. They include brightly colored butterflies, mosquitoes, camouflaged stick insects, and huge colonies of ants. The Amazon river basin rainforest contains a wider variety of plant and animal life than any other biome in the world. The second largest population of plant and animal life can be found in scattered locations and islands of Southeast Asia. The lowest variety can be found in Africa. There may be 40 to 100 different species in 2.5 acres ( 1 hectare) of a tropical rain forest.   When early explorers first discovered the rainforests of Africa, Southeast Asia and South America, they They were amazed by the dense growth, trees with giant buttresses, vines and epiphytes . The tropical vegetation grew so dense that it was difficult to cut one's way through it. It was thought at the time that the soil of a rainforest must be very fertile, filled with nutrients, enabling it to support the immense trees and other vegetation they found. Today we know that the soil of the tropical rainforests is shallow, very poor in nutrients and almost without soluble minerals. Thousands of years of heavy rains have washed away the nutrients in the soil obtained from weathered rocks. The rainforest has a very short nutrient cycle. Nutrients generally stay in an ecosystem by being recycled and in a rainforest are mainly found in the living plants and the layers of decomposing leaf litter. Various species of decomposers like insects, bacteria, and fungi make quick work of turning dead plant and animal matter into nutrients. Plants take up these nutrients the moment they are released. A study in the Amazon rainforest found that 99% of nutrients are held in root mats. When a rainforest is burned or cut down the nutrients are removed from the ecosystem. The soil can only be used for a very short time before it becomes completely depleted of all nutrients.

Besides these four layers, a shrub/sapling layer receives about 3 % of the light that filters in through the canopies. These stunted trees are capable of a sudden growth surge when a gap in the canopy opens above them. The air beneath the lower canopy is almost always humid. The trees themselves give off water through the pores (stomata) of their leaves. This process, called transpiration, can account for as much as half of the precipitation in the rain forest. Rainforest plants have made many adaptations to their environment. With over 80 inches of rain per year, plants have made adaptations that helps them shed water off their leaves quickly so the branches don't get weighed down and break. Many plants have drip tips and grooved leaves, and some leaves have oily coatings to shed water. To absorb as much sunlight as possible on the dark understory, leaves are very large. Some trees have leaf stalks that turn with the movement of the sun so they always absorb the maximum amount of light. Leaves in the upper canopy are dark green, small and leathery to reduce water loss in the strong sunlight. Some trees will grow large leaves at the lower canopy level and small leaves in the upper canopy. Other plants grow in the upper canopy on larger trees to get sunlight. These are the epiphytes such as orchids and bromeliads. Many trees have buttress and stilt roots for extra support in the shallow, wet soil of the rainforests. Over 2,500 species of vines grow in the rainforest. Lianas start off as small shrubs that grow on the forest floor. To reach the sunlight in the upper canopy it sends out tendrils to grab sapling trees. The liana and the tree grow towards the canopy together. The vines grow from one tree to another and make up 40% of the canopy leaves. The rattan vine has spikes on the underside of its leaves that point backwards to grab onto sapling trees. Other "strangler" vines will use trees as support and grow thicker and thicker as they reach the canopy, strangling its host tree. They look like trees whose centers have been hollowed out. Dominant species do not exist in tropical rainforests. Lowland dipterocarp forest can consist of many different species of Dipterocarpaceae, but not all of the same species. Trees of the same species are very seldom found growing close together. This bio diversity and separation of the species prevents mass contamination and die-off from disease or insect infestation. Bio diversity also insures that there will be enough pollinators to take care of each species' needs. Animals depend on the staggered blooming and fruiting of rainforest plants to supply them with a year-round source of food.

There are four very distinct layers of trees in a tropical rain forest. These layers have been identified as the emergent, upper canopy, understory, and forest floor. Emergent trees are spaced wide apart, and are 100 to 240 feet tall with umbrella-shaped canopies that grow above the forest. Because emergent trees are exposed to drying winds, they tend to have small, pointed leaves. Some species lose their leaves during the brief dry season in monsoon rainforests. These giant trees have straight, smooth trunks with few branches. Their root system is very shallow, and to support their size they grow buttresses that can spread out to a distance of 30 feet. The upper canopy of 60 to 130 foot trees allows light to be easily available at the top of this layer, but greatly reduced any light below it. Most of the rainforest's animals live in the upper canopy. There is so much food available at this level that some animals never go down to the forest floor. The leaves have "drip spouts" that allows rain to run off. This keeps them dry and prevents mold and mildew from forming in the humid environment. The understory, or lower canopy, consists of 60 foot trees. This layer is made up of the trunks of canopy trees, shrubs, plants and small trees. There is little air movement. As a result the humidity is constantly high. This level is in constant shade. The forest floor is usually completely shaded, except where a canopy tree has fallen and created an opening. Most areas of the forest floor receive so little light that few bushes or herbs can grow there. As a result, a person can easily walk through most parts of a tropical rain forest. Less than 1 % of the light that strikes the top of the forest penetrates to the forest floor. The top soil is very thin and of poor quality. A lot of litter falls to the ground where it is quickly broken down by decomposers like termites, earthworms and fungi. The heat and humidity further help to break down the litter. This organic matter is then just as quickly absorbed by the trees' shallow roots

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).

Today, we know that the soil of the tropical rainforests is thin and very low in nutrients. Decomposers like leaf-cutter ants, termites, bacteria, and fungi quickly turn falling leaves and dead organisms into nutrients. Plants take up these nutrients the moment they are available, so they don’t get a chance to enrich the soil. Keeping Tropical Rainforests Healthy Conservation of tropical rainforests should be easy. They have survived for millions of years. The trick to keeping them healthy is to not take too much too fast. This gives the rainforests time to recover from human activities like logging. But many countries that have tropical rainforests are poor. They can make money by cutting down and developing the rainforests. But uncontrolled development results in deforestation

Rainforests have 170,000 of the world's 400,000 known plant species. The United States has 81 species of frogs, while Madagascar (which is smaller than Texas) may have 300 species. Europe has 321 butterfly species, while Manu National Park in the tropical rainforest of Peru has 1,300 species! The world’s only species of flying snake and lizard live in the Borneo rainforest. The largest catfish in the world lives in a tropical rainforest river in Vietnam. It weighs over 300 kg. About one-quarter of all the medicines we use come from rainforest plants. Curare comes from a tropical vine. It is used as an anesthetic and to relax muscles during heart surgery. Quinine, from the cinchona tree, is used to treat malaria. A person with leukemia has a 99% chance that the disease will go into remission because of the rosy periwinkle. More than 1,400 varieties of tropical plants might be potential cures for cancer.

Some traditional rainforest cultures still live in the forests. They travel as a group to collect and hunt food. As rainforests are destroyed, so are the homes of these interesting and amazing people.

wood for both timber and wood for making fires; agriculture for both small and large farms; land for poor farmers who don't have anywhere else to live; grazing land for cattle; and road construction

Spider Monkeys are located in Central and South America and some parts of Mexico.

Cattle ranching Many rainforests in Central and South America have been burnt down to make way for cattle farming, which supplies cheap beef to North America, China and Russia. It is estimated that for each pound of beef produced, 200 square feet of rainforest is destroyed. In the past 20 years Costa Rica has lost the majority of its forests to beef cattle ranching. This is known as slash and burn farming and is believed to account for 50% of rainforest destruction. However, the land cannot be used for long: the soil is of poor quality and, without the forest, quickly becomes very dry. The grass often dies after only a few years and the land becomes a crusty desert. The cattle farmers then have to move on and destroy more rainforest to create new cattle pastures. Indigenous Indians also use "slash and burn" farming techniques, but on a small scale. For centuries they have used a sustainable system where, when they finish using one small patch of land, they move away to a different area and allow the forest to regenerate. Since the area cleared is small, the soil does not dry out and therefore the forest clearance is localized and temporary rather than extensive and permanent.