Microfinance outcomes in the Philippines

Recent reports from Bangladesh about the Grameen Bank (GB) having to seriously review its policies and restructure its procedures have not stopped countries like the Philippines from making a success of Grameen Bank Replicas (GBRs). Women across Asia continue to benefit from microfinance initiatives and are motivated to move out of poverty through the influence of the GB and other microfinance institutes. This paper addresses specifically the microfinance activities in the Philippines and reports on some of the issues surrounding the successes and setbacks of programs in that country.

An investigation of nucleation events in a coastal urban environment in the southern hemisphere

The occurrence of and conditions favourable to nucleation were investigated at an industrial and commercial coastal location in Brisbane, Australia during five different campaigns covering a total period of 13 months. To identify potential nucleation events, the difference in number concentration in the size range 14-30 nm (N14-30) between consecutive observations was calculated using first-order differencing. The data showed that nucleation events were a rare occurrence, and that in the absence of nucleation the particle number was dominated by particles in the range 30-300 nm. In many instances, total particle concentration declined during nucleation. There was no clear pattern in change in NO and NO2 concentrations during the events. SO2 concentration, in the majority of cases, declined during nucleation but there were exceptions. Most events took place in summer, followed by winter and then spring, and no events were observed for the autumn campaigns. The events were associated with sea breeze and long-range transport. Roadside emissions, in contrast, did not contribute to nucleation, probably due to the predominance of particles in the range 50-100 nm associated with these emissions.