The European Commission, Communication from the Commission on 2.7.2002, defined CSR as the voluntary integration, by enterprises, social and environmental concerns in their operations and relationships with partners. The EU commitment to ethical management as a way to integrate the culture of...

People who do not have access to the financial system also saved. In this work we explain the most commonly used forms of savings who have no access to formal banking. As we shall see, the form of savings varies from one culture to another, from one country to another and from one circumstance...