tailieunhanh - Time Banks A radical manifesto for the UK

There are two key ways banks fund their lending activity to SMEs; through deposit taking from their customers and, where the lending requirements exceed the value of the deposit base, through borrowings from wholesale money markets. When providing Loans or Overdrafts to SME’s, banks tend to quote an interest rate made up of a ‘cost of funds’ using a market reference rate, plus a margin. With regard to the ‘cost of funds’ it is clear from the explanation below these reference rates no longer reflect the true cost of funds to the banks. Like any business a major determinant of the price is the cost and availability. | Time Banks A radical manifesto for the UK The New Economics Foundation NEF was founded in 1986 following the successful international event known as TOES The Other Economic Summit . Since then NEF has introduced time banks to the UK as well as a range of innovative new ideas in practice which put people and planet first. Time Banks UK is funded by the Active Community Unit managed jointly by NEF and Fair Shares and is spreading best practice in time banks around the country. There are now nearly 40 setting up from Cornwall to Aberdeen. The London Time Bank is a new network of time banks for London launched in 2001. It is managed by NEF with support from the Bridge House Trust the Community Fund the King s Fund and London Boroughs Grants. Published by New Economics Foundation Cinnamon House 6-8 Cole Street London SE1 4YH Tel 020 7407 7447 Email info@ Web Printed by RAP Ltd Clock Street Hollinwood Oldham Lancs OL9 7LY ISBN 1 899407 37 5 Published July 2001 1 Introduction As a nation we re rich in many things but perhaps our greatest wealth lies in the talent the character and idealism of the millions of people who make their communities work. Everyone - however rich or poor -has time to give. Let us give generously in the two currencies of time and money. Tony Blair 2 March 2000 Summer 2001 marks the advent of what we hope will be a permanent new layer of infrastructure in the capital the London Time Bank. Its design reflects experience with time banks around the world from St Louis and its network of time bank touchscreens to Tokyo and its hureai kippu ticket for caring relationship . Community time banks are not new to London. The Peckham HourBank has been successfully trading time and building local trust now since 1999. The Rushey Green Time Bank in a doctor s surgery in Lewisham has been replicating some of the best time bank practice in health in the USA. But of course the time bank ideal - the idea of close-knit communities

• Ngân hàng - Tín dụng
• Remote Sensing
• Forestry Studies
• Operative Support
• Forest Utilization
• Adding Value
• Hemicellulose
• Journal of technology and science education
• Linking climate change education through the integration
• Kite borne remote sensing system
• Investgatng Climate Change and Remote Sensing
• Analyzing remote sensing data
• LiDAR Data
• Data Transmission
• Sensors and Platforms
• Radiometric Miscalibration
• Thematic Classification
• Remote Sensing Images
• High Performance
• Computer Architectures
• Data Analysis
• Case Study
• Land cover change
• Multi temporal remote sensing data
• Quantify forest cover change
• Dien Bien Dong district
• Groundwater potential
• Groundwater potential zones
• Middle catchment
• Remote sensing and GIS
• Morphometric parameters
• Baitarani basin
• Indicate high surface runoff
• Carbon absorption capacity
• Que Phong district
• Remote sensing – GIS combined
• GIS combined with quick measurement method
• Groundnut water stress
• Hyperspectral remote sensing
• Spectral index
• Hyperspectral remote sensing technique
• Water stress in groundnut
• Reduced photosynthesis
• Morphometric analysis of a drainage basin
• Morphometric analysis
• Drainage basin
• Geographical information system
• Sea surface temperature
• Southwest sea of Vietnam
• Remote sensing data and GIS
• Sea surface temperature trends
• Remote sensing in evaluating
• Application of remote sensing
• Evaluating the PM10 concentration
• Geometric correction
• The algorithm calculates AOD
• Simulated concentration
• Green tree
• Green space study
• Remote sensing data
• Planning of green plants
• Change detection
• Land cover/Land use
• Remote sensing and gis to analyze
• Land cover classification
• Application of remote sensing imagery
• Google Earth Engine
• Algorithms in Google Earth Engine platform
• Drought assessment
• Forecasting model
• Remote sensing as pest forecasting model
• Pest forecasting model in agriculture
• Indian economy contributing nearly
• human activity
• contributions dealing
• sensing applications
• interaction and development
• Aerosols Concentration
• Microwave Radiometers
• Global Scale
• Image Information
• Mining Systems
• Low Res olution Images
• Seismic Profiling
• Image Sharpening
• High Resoluti on Infrared
• Sona r Rever beratio n
• earth sciences
• Research
• VNU Journal of Science
• scientific research
• scientific reports
• plant sciences
• hydrology
• land use analysis
• digital preprocessing
• Irrigation performance
• Relative water supply
• Water user associations
• Crop water deficit
• Depleted fraction
• Vietnam Journal of Science and Technology
• A review of seagrass studies
• Satellite remote sensing data
• The southeast Asia
• Status and potential
• The spectral clustering
• The spatial information
• The remote sensing image
• The fuzzy clustering
• The spectral method depends