Expenses of the Congregation regarding real estate

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Charles M. Breder, Jr.: Palmetto Key, 1942

Charles M. Breder and his wife Ethel spent part of the summer of 1942 at the Palmetto Key field station, known today as Cabbage Key, on the west coast of Florida south of Charlotte Harbor. The Palmetto Key field station began in 1938 and ended in 1942 because of World War II. His Palmetto Key diary ran for 95 pages of notes, tables, diagrams, drawings, lists, and business records and this report presents a variety of fascinating entries. Diaries from other years all bear Breder's style of discipline, curiosity, humor, and speculations on nature. The diary was transcribed as part of the Coastal Estuarine Data/Document Rescue and Archeology effort for South Florida. (PDF contaons 24 pages)

The Impact of Extension and Ecosystem Services on Smallholders’ Credit Constraint.

On formal credit markets, access to formal credit and reasonable credit terms of smallholder farmers
in rural sub-Saharan Africa is limited due to adverse selection. Financial institutions operating in
rural areas often cannot distinguish between borrowers (farmers) that are creditworthy and those that
are not, thus, allocate limited resource to agriculture to reduce credit risk. In the presence of limited business quality signaling by smallholder farmers, financial institutions shall demand for collateral and/or offer unfavorable contract terms. Moreover, agricultural productivity of rural sub-Saharan
Africa, dominated by subsistence or small-scale farmers, is also negatively impacted by the adverse
effect of climate change. A strategy that may make the farming practices of smallholder farmer’s
climate resilient and profitable may also improve smallholder farmer's access to formal credit. This
study investigates to what extent participating in ecosystem and extension services (EES) programs
signals business quality of smallholders, thus granting them credit accessibility. We collected data
on 210 smallholder farmers in 2013, comprising farmers that receive payments for ecosystem
services (PES) and farm management training from the International Small Group Tree Planting
Program (TIST) Kenya to test the aforementioned theory empirically. We use game theory,
particularly a screening and sorting model, to illustrate the prospects for farmers with EES to access
formal credit and to improve their credit terms given that they receive PES and banking services
training. Furthermore, the PES’ long term duration (10 – 30 years) generates stable cash-flow which
may be perceived as collateral substitute. Results suggest that smallholder farmers in the TIST
program were less likely to be credit constraint compared to non-TIST farmers. Distance to market,
education, livestock and farm income are factors that determine access to credit from microfinance
institutions in rural Kenya. Amongst farmers that have obtained loans, those keeping business records
enjoy more favorable formal credit conditions. These farmers were observed to pay ca. 5 percent less
interest rate in microfinance charges. For TIST farmers, this type of farm management practices may
be attributed to the banking services and other training they receive within the program. While the
availability of classical collateral (farmlands) and PES may reduce interest rate, the latter was found
to be statistically insignificant. This research underlines the importance of an effective extension
services in rural areas of developing countries and the need to improve gains from conservation
agriculture and ensuing PES. The benefits associated with EES and PES may encompass agricultural
financing.

Library record,

A torn manuscript page listing members' library accounts.

Managers report for January and July 1841

Report submitted by manager, July 7, 1841, listing donations of books and money to the society

Letter from Lemuel Shaw to Susanna Shaw, January 3, 1797

This single page handwritten letter was sent from Lemuel Shaw to his mother, Susanna, during his freshman year at Harvard. In the letter, he requested that his mother wash and return his dirty laundry and send him clothes, including a pair of overalls, some neck-handkerchiefs, and a new hat. Shaw also asked for money to be sent to pay off his debt of $21.25 to Mr. Richard Hunnewell for board and rent, $18.93 for the previous quarter’s bill, and $1.15 for Mr. Timothy Alden, the College Butler.

What every employer needs to know about OSHA recordkeeping /

Mode of access: Internet.

Confidential status of census reports : report, to accompany H.R. 10569.

"September 19, 1962."

The high-technology company : a historical research and archival guide /

"Prepared under a grant from the National Historical Publications and Records Commission, Grant 87-47"--t.p. verso.

Andrew Johnson papers [microform].

Letters received,copies of letters sent,messages and speeches,courts-martial and amnesty records,diaries (including typed transcripts of the shorthand volumes) of William G.Moore,Johnson's secretary,business records of Johnson's tailor shop and other business affairs (1829-60), and records of Johnson's activities as Military Governor of Tennessee. Correspond- ...

The Reports clearance process : a report of the Commission on Federal Paperwork.

Mode of access: Internet.

History of Saginaw county from the year 1819 down to the present time. Comp. from authentic records and other sources: traditionary accounts, legends, anecdotes, &c., with valuable statistics, and notes of its resources, and general information concerning its advantages: also a business directory of each of the three principal towns in the county.

Mode of access: Internet.