real terms. Ninety five per cent of the income of medical schemes was derived from membership fees. The average real growth … rate of income was 8.4 per cent, while net assets increased by only 3 per cent. An average deficit of R11.02 million …

of diffuse ownership. Using data on 36 public credit unions in Ecuador, the empirical analysis finds evidence that credit … may stem from the level of formality in Ecuador’s financial system including its level of prudential regulation …

aggregate economic activity using data from Ecuador and Chile. …

countries after an aggregate income shock. The analysis is based on a data set in which the customer data of the microfinance … institution ProCredit Ecuador is merged with the monthly data of seismic activity and explosions of the volcano Tungurahua in … Ecuador from 2001 to 2006. Results indicate that new clients are less likely to receive a loan after the shock, but old …

Maquipucuna is a unique non-profit organisation in the Choco-Andes region of Ecuador. An ethnographic study and review of the …

the central concerns of conservationists. Many conservationists have recently begun to see income growth as a possible … necessity in the region, implying that increases in income would lead to less than proportional increases in consumption and … suggesting that income growth alone is not a viable conservation strategy. Other food sources in addition to economic activities …

. Overall, the findings indicate that money affects marital quality. Specifically, low income was associated behavioral … negativity over the entire course of the fourteen year study. Low-income couples who were content with their financial situations … were more satisfied than low-income couples that were unhappy about their financial situation. The effects of money on …

First chapter aims to quantify the role of trade in capital goods incross country income differences. I construct a …