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However the history of philanthropy is suffering from initiatives that helped the poor at a small scale, then made them worse off at a bigger one. Microfinance started out small, too. The early trials were non-profit, and revenues have been invested back into providers that might help debtors pay back their loans. Then, in the late 2000s, responding to donor pressure to be sustainable,” microlending went personal. Citibank, Barclays and Deutsche Financial institution established microfinance divisions. In 2007, one of the largest microlending banks, Mexico’s Compartamos Banco, even had an IPO, its executives incomes tens of millions loaning out money to girls and poor farmers and charging interest rates as excessive as 195 percent.

Congress left Washington to marketing campaign for the election and left some unresolved tax issues for the next congress, possibly even the lame duck congress, to figure out. Clearly, the current tax structure, referred to as the Bush tax cuts, is set to run out on the end of 2010 because of a sundown provision included within the bill. This leaves a large amount of uncertainty about one of the best ways for business to spend their money. In consequence, money stays on the sidelines.

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