Author: David K. Shipler Edition: Reprint Publisher: Vintage Binding: Paperback ISBN: 0375708219 Price: You Save: 63%
The Working Poor: Invisible in America
hard fact and personal testimony
“Nobody who works hard should be poor in America,” writes Pulitzer Prize winner David Shipler.The Working Poor review. Clear-headed, rigorous, and compassionate, he journeys deeply into the lives of individual store clerks and factory workers, farm laborers and sweat-shop seamstresses, illegal immigrants in menial jobs and Americans saddled with immense student loans and paltry wages. They are known as the working poor.
They perform labor essential to America’s comfort. They are white and black, Latino and Asian--men and women in small towns and city slums trapped near the poverty line, where the margins are so tight that even minor setbacks can cause devastating chain reactionsRead full reviews of Taxing the Working Poor: The Political Origins and Economic Consequences of Taxing Low Wages.
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Review 'What are the economic and political forces which generate different regimes of tax on labour? What are the implications for the labour market of these different regimes? And does globalisation bring a halt to tax-based redistribution? Achim Kemmerling tackles these and other important questions in this significant book.'- Malcolm Sawyer, University of Leeds, UK'We have been distracted from the detailed problems of financing the welfare state by the tired old twentieth-century debate between libertarian tax minimisers and maximal socialist collectivisers. We have to move on. The welfare
For most people, the Great Crash of 2008 has meant troubling times. Not so for those in the flourishing poverty industry. These mercenary entrepreneurs have taken advantage of an era of deregulation to devise high-priced products to sell to the credit-hungry working poor, including the instant tax refund and the payday loan. In the process they've created an industry larger than the casino business and have proved that pawnbrokers and check cashers, if they dream big enough, can grow very rich off those with thin wallets. Broke, USA is Gary Rivlin's riveting report from the economic fringes. T
Clear-headed, rigorous, and compassionate, he journeys deeply into the lives of individual store clerks and factory workers, farm laborers and sweat-shop seamstresses, illegal immigrants in menial jobs and Americans saddled with immense student loans and paltry wages. They are known as the working poor.
They perform labor essential to America’s comfort. They are white and black, Latino and Asian--men and women in small towns and city slums trapped near the poverty line, where the margins are so tight that even minor setbacks can cause devastating chain reactions. Shipler shows how liberals and conservatives are both partly right–that practically every life story contains failure by both the society and the individual. Braced by hard fact and personal testimony, he unravels the forces that confine people in the quagmire of low wages. And unlike most works on poverty, this book also offers compelling portraits of employers struggling against razor-thin profits and competition from abroad. With pointed recommendations for change that challenge Republicans and Democrats alike, The Working Poor stands to make a difference.The Working Poor examines the "forgotten America" where "millions live in the shadow of prosperity, in the twilight between poverty and well-being." These are citizens for whom the American Dream is out of reach despite their willingness to work hard. Struggling to simply survive, they live so close to the edge of poverty that a minor obstacle, such as a car breakdown or a temporary illness, can lead to a downward financial spiral that can prove impossible to reverse. David Shipler interviewed many such working people for this book and his profiles offer an intimate look at what it is like to be trapped in a cycle of dead-end jobs without benefits or opportunities for advancement. He shows how some negotiate a broken welfare system that is designed to help yet often does not, while others proudly refuse any sort of government assistance, even to their detriment. Still others have no idea that help is available at all.
"As a culture, the United States is not quite sure about the causes of poverty, and is therefore uncertain about the solutions," he writes. Though he details many ways in which current assistance programs could be more effective and rational, he does not believe that government alone, nor any other single variable, can solve the problem. Instead, a combination of things are required, beginning with the political will needed to create a relief system "that recognizes both the society's obligation through government and business, and the individual's obligation through labor and family." He does propose some specific steps in the right direction such as altering the current wage structure, creating more vocational programs (in both the public and private sectors), developing a fairer way to distribute school funding, and implementing basic national health care.
Prepare to have any preconceived notions about those living in poverty in America challenged by this affecting book. --Shawn Carkonen
Author: Joseph Hanlon Edition: Publisher: Kumarian Press Binding: Paperback ISBN: 1565493338 Price: You Save: 34%
Just Give Money to the Poor: The Development Revolution from the Global South
* Argues strongly for overlooked approach to development by showing how the poor use money in ways that confound stereotypical notions of aid and handouts * Team authored by foremost scholars in the development field
Amid all the complicated economic theories about the causes and solutions to poverty, one idea is so basic it seems radical: just give money to the poor.Just Give Money to the Poor review. Despite its skeptics, researchers have found again and again that cash transfers given to significant portions of the population transform the lives of recipients. Countries from Mexico to South Africa to Indonesia are giving money directly to the poor and discovering that they use it wisely – to send their children to school, to start a business and to feed their families.
Directly challenging an aid industry that thrives on complexity and mystification, with highly paid consultants designing ever more complicated projects, Just Give Money to the Poor offers the elegant southern alternative – bypass governments and NGOs and let the poor decide how to use their money. Stressing that cash transfers are not charity or a safety net, the authors draw an outline of effective practices that work precisely because they are regular, guaranteed and fairRead full reviews of Just Give Money To The Poor By Joseph Hanlon Paperback Book.
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author armando barrientos author david hulme author joseph hanlon format hardback language english publication year 15 04 2010 subject management business economics industry subject 2 economics professional general title just give money to the poor the development revolution from the global south author hanlon joseph barrientos armando hulme david publisher kumarian pr publication date apr 30 2010 pages 216 binding hardcover dimensions 6 25 wx 9 25 hx 0 50 d isbn 1565493346 subject political s
Store Search search Title, ISBN and Author Just Give Money to the Poor by Joseph Hanlon, David Hulme, Armando Barrientos Estimated delivery 3-12 business days Format Paperback Condition Brand New Presents the compelling argument that simply giving cash transfers to a significant portion of a poverty stricken population transforms the lives of the recipients. Stressing that this is not charity or a safety net, the authors draw an outline of effective practices that work because they are regular,
payment | shipping rates | returns Just Give Money to the Poor: The Development Revolution from the Global South Product Category :Books ISBN :1565493338 Title :Just Give Money to the Poor: The Development Revolution from the Global South EAN :9781565493339 Authors :Joseph Hanlon, Armando Barrientos, David Hulme Binding :Paperback Publisher :Kumarian Press Publication Date :2010-04 Pages :288 Signed :False First Edition :False Dust Jacket :False List Price (MSRP) :24.95 Height :0.6000 inches Wi
Just Give Money to the Poor : Paperback : Kumarian Press : 9781565493339 : 1565493338 : 30 Apr 2010 : * Argues strongly for overlooked approach to development by showing how the poor use money in ways that confound stereotypical notions of aid and handouts* Team authored by foremost scholars in the development fieldAmid all the complicated economic theories about the causes and solutions to poverty, one idea is so basic it seems radical: just give money to the poor. Despite its skeptics, researchers have found again and again that cash transfers given to significant portions of the population
Despite its skeptics, researchers have found again and again that cash transfers given to significant portions of the population transform the lives of recipients. Countries from Mexico to South Africa to Indonesia are giving money directly to the poor and discovering that they use it wisely – to send their children to school, to start a business and to feed their families.
Directly challenging an aid industry that thrives on complexity and mystification, with highly paid consultants designing ever more complicated projects, Just Give Money to the Poor offers the elegant southern alternative – bypass governments and NGOs and let the poor decide how to use their money. Stressing that cash transfers are not charity or a safety net, the authors draw an outline of effective practices that work precisely because they are regular, guaranteed and fair. This book, the first to report on this quiet revolution in an accessible way, is essential reading for policymakers, students of international development and anyone yearning for an alternative to traditional poverty-alleviation methods.
Author: Greg Mills Edition: Reprint Publisher: Penguin Global Binding: Paperback ISBN: 0143528092 Price: You Save: 85%
Why Africa is Poor: And What Africans Can Do About It
Economic growth does not demand a secret formula.Why Africa is Poor review. Good development examples now abound in East Asia and farther afield in others parts of Asia, and in Central America. But why then has Africa failed to realise its potential in half a century of independence? This book shows that African poverty is not because the world has denied the continent the market and financial means to compete: far from it. It has not been because of aid per se. Nor is African poverty solely a consequence of poor infrastructure or trade access, or because the necessary development and technical expertise is unavailable internationallyRead full reviews of Why Africa Is Poor.
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Why Africa Is Poor : And What Africans Can Do about It?, ISBN-13: 9780143528098, ISBN-10: 0143528092
Buy Why Africa is Poor by Greg Mills and Read this Book on Kobo's Free Apps. Discover Kobo's Vast Collection of Ebooks Today - Over 3 Million Titles, Including 2 Million Free Ones!
Store Search search Title, ISBN and Author Why Africa Is Poor: And What Africans Can Do about It by Greg Mills Estimated delivery 3-12 business days Format Paperback Condition Brand New Author Biography GREG MILLS, previously Director of the SA Institute of International Affairs (SAIIA), heads the Brenthurst Foundation. He is the author of a number of books and has published on both the El Alamein battle and the Somme. His PhD research centred on Cuito Cuanavale. Details ISBN 0143528092 ISBN-13
Good development examples now abound in East Asia and farther afield in others parts of Asia, and in Central America. But why then has Africa failed to realise its potential in half a century of independence? This book shows that African poverty is not because the world has denied the continent the market and financial means to compete: far from it. It has not been because of aid per se. Nor is African poverty solely a consequence of poor infrastructure or trade access, or because the necessary development and technical expertise is unavailable internationally. Why then has the continent lagged behind other developing areas when its people work hard and the continent is blessed with abundant natural resources?
Author: Morten Jerven Edition: Publisher: Cornell University Press Binding: Paperback ISBN: 080147860X Price: You Save: 15%
Poor Numbers: How We Are Misled by African Development Statistics and What to Do about It (Cornell Studies in Political Economy)
One of the most urgent challenges in African economic development is to devise a strategy for improving statistical capacity.Poor Numbers review. Reliable statistics, including estimates of economic growth rates and per-capita income, are basic to the operation of governments in developing countries and vital to nongovernmental organizations and other entities that provide financial aid to them. Rich countries and international financial institutions such as the World Bank allocate their development resources on the basis of such data. The paucity of accurate statistics is not merely a technical problem; it has a massive impact on the welfare of citizens in developing countries.
Where do these statistics originate? How accurate are they? Poor Numbers is the first analysis of the production and use of African economic development statisticsRead full reviews of Poor Numbers: How We Are Misled By African Development Statistics And What To Do.
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Poor Numbers : Paperback : Cornell University Press : 9780801478604 : 080147860X : 19 Feb 2013 : Poor Numbers is the first analysis of the production and use of African economic development statistics.
author morten jerven format paperback language english publication year 24 01 2013 series cornell studies in political economy subject management business economics industry subject 2 economics textbooks study guides title poor numbers how we are misled by african development statistics and what to do about it author jerven morten publisher cornell univ pr publication date apr 02 2013 pages 176 binding paperback dimensions 6 00 wx 9 00 hx 0 75 d isbn 080147860 x subject political science histo
Store Search search Title, ISBN and Author Observations on the Number and Misery of the Poor: on the Heavy Rates Levied for Their Maintenance: And, on the General Causes of Poverty: Including S by See Notes Multiple Contributors Estimated delivery 3-12 business days Format Paperback Condition Brand New The 18th century was a wealth of knowledge, exploration and rapidly growing technology and expanding record-keeping made possible by advances in the printing press. In its determination to preser
Reliable statistics, including estimates of economic growth rates and per-capita income, are basic to the operation of governments in developing countries and vital to nongovernmental organizations and other entities that provide financial aid to them. Rich countries and international financial institutions such as the World Bank allocate their development resources on the basis of such data. The paucity of accurate statistics is not merely a technical problem; it has a massive impact on the welfare of citizens in developing countries.
Where do these statistics originate? How accurate are they? Poor Numbers is the first analysis of the production and use of African economic development statistics. Morten Jerven's research shows how the statistical capacities of sub-Saharan African economies have fallen into disarray. The numbers substantially misstate the actual state of affairs. As a result, scarce resources are misapplied. Development policy does not deliver the benefits expected. Policymakers' attempts to improve the lot of the citizenry are frustrated. Donors have no accurate sense of the impact of the aid they supply. Jerven’s findings from sub-Saharan Africa have far-reaching implications for aid and development policy. As Jerven notes, the current catchphrase in the development community is "evidence-based policy," and scholars are applying increasingly sophisticated econometric methods—but no statistical techniques can substitute for partial and unreliable data.
Author: Robert T. Kiyosaki Edition: Publisher: Plata Publishing Binding: Paperback ISBN: 1612680305 Price: You Save: 42%
Rich Dad Poor Dad for Teens: The Secrets about Money--That You Don't Learn in School!
Trade Paperback
Personal finance author and lecturer Robert T.Rich Dad Poor Dad for Teens review. Kiyosaki developed his unique economic perspective from two very different influences - his two fathersRead full reviews of Rich Dad, Poor Dad for Teens by Robert Kiyosaki.
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Personal finance author and lecturer Robert T. Kiyosaki developed his unique economic perspective from two very different influences - his two fathers. This text lays out Kiyosaki's philosophy and his relationship with money.
Rich Dad, Poor Dad for Teens : Hardback : The Perseus Books Group : 9780762436545 : 0762436549 : 04 Jun 2009 : This special teen edition of Kiyosaki's classic financial guide explains that it's never too early to learn the secrets of managing money wisely, and even young people can learn how to make their money work for them.
format cd rom or audio cd title rich dad poor dad for teens the secrets about money that you don t learn in school library edition author kiyosaki robert t wheeler tim narrator publisher brilliance audio publication date jan 08 2013 pages unknown binding cd rom or audio cd edition mp 3 una dimensions 5 25 wx 7 50 hx 0 50 d isbn 1469202476 subject business economics personal finance general description a guide for teenagers encourages the development of responsible money skills providing case e
Store Search search Title, ISBN and Author Rich Dad, Poor Dad for Teens: The Secrets about Money--That You Don't Learn in School! by Robert T. Kiyosaki Estimated delivery 3-12 business days Format Hardcover Condition Brand New This special teen edition of Kiyosaki s classic financial guide explains that it s never too early to learn the secrets of managing money wisely, and even young people can learn how to make their money work for them. Publisher Description Following the highly successful R
Kiyosaki developed his unique economic perspective from two very different influences - his two fathers. This text lays out Kiyosaki's philosophy and his relationship with money.
Author: Muhammad Yunus Edition: Later Printing Publisher: PublicAffairs Binding: Paperback ISBN: 1586481983 Price: You Save: 72%
Banker To The Poor: Micro-Lending and the Battle Against World Poverty
Muhammad Yunus is that rare thing: a bona fide visionary.Banker To The Poor review. His dream is the total eradication of poverty from the world. In 1983, against the advice of banking and government officials, Yunus established Grameen, a bank devoted to providing the poorest of Bangladesh with minuscule loans. Grameen Bank, based on the belief that credit is a basic human right, not the privilege of a fortunate few, now provides over 2.5 billion dollars of micro-loans to more than two million families in rural BangladeshRead full reviews of Banker to the Poor: Micro-Lending and the Battle Against World Poverty.
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Banker to the Poor : Paperback : The Perseus Books Group : 9781586481988 : 1586481983 : 01 Jul 2004 : A new edition of the New York Times Bestseller by the Nobel Peace Prize-winner
Muhammad Yunus is that rare thing: a bona fide visionary. His dream is the total eradication of poverty from the world. In 1983, against the advice of banking and government officials, Yunus established Grameen, a bank devoted to providing the poorest of Bangladesh with minuscule loans. Grameen Bank, based on the belief that credit is a basic human right, not the privilege of a fortunate few, now provides over 2.5 billion dollars of micro-loans to more than two million families in rural Bangladesh. Ninety-four percent of Yunus's clients are women, and repayment rates are near 100 percent. Arou
In 1983, Muhammad Yunus established Grameen, a bank devoted to providing the poorest citizens of Bangladesh with miniscule loans. Believing that credit is a basic human right, not the privilege of a few, Yunus aimed to support that spark of personal initiative and enterprise by which the poor might lift themselves out of poverty forever. Grameen Bank now provides over 2.5 billion dollars of micro-loans to more than two million families in rural Bangladesh, with repayment rates at nearly 100 percent. In Banker to the Poor, Yunus traces the journey that led him to rethink the economic relationsh
Store Search search Title, ISBN and Author Banker to the Poor: Micro-Lending and the Battle Against World Poverty by Muhammad Yunus Estimated delivery 3-12 business days Format Compact Disc Condition Brand New In 1983 Muhammad Yunus established Grameen, a bank devoted to providing the poorest of Bangladesh with miniscule loans. He aimed to help the poor by supporting the spark of personal initiative and enterprise by which they could lift themselves out of poverty forever. Author Biography Muha
payment | shipping rates | returns Banker To The Poor: Micro-Lending and the Battle Against World Poverty Product Category :Books ISBN :1586481983 Title :Banker To The Poor: Micro-Lending and the Battle Against World Poverty EAN :9781586481988 Authors :Muhammad Yunus Binding :Paperback Publisher :PublicAffairs Publication Date :2008-01-08 Pages :312 Signed :False First Edition :False Dust Jacket :False List Price (MSRP) :15.00 Height :0.7000 inches Width :5.5000 inches Length :8.2000 inches Wei
His dream is the total eradication of poverty from the world. In 1983, against the advice of banking and government officials, Yunus established Grameen, a bank devoted to providing the poorest of Bangladesh with minuscule loans. Grameen Bank, based on the belief that credit is a basic human right, not the privilege of a fortunate few, now provides over 2.5 billion dollars of micro-loans to more than two million families in rural Bangladesh. Ninety-four percent of Yunus's clients are women, and repayment rates are near 100 percent. Around the world, micro-lending programs inspired by Grameen are blossoming, with more than three hundred programs established in the United States alone.
Banker to the Poor is Muhammad Yunus's memoir of how he decided to change his life in order to help the world's poor. In it he traces the intellectual and spiritual journey that led him to fundamentally rethink the economic relationship between rich and poor, and the challenges he and his colleagues faced in founding Grameen. He also provides wise, hopeful guidance for anyone who would like to join him in "putting homelessness and destitution in a museum so that one day our children will visit it and ask how we could have allowed such a terrible thing to go on for so long." The definitive history of micro-credit direct from the man that conceived of it, Banker to the Poor is necessary and inspirational reading for anyone interested in economics, public policy, philanthropy, social history, and business.
Muhammad Yunus was born in Bangladesh and earned his Ph.D. in economics in the United States at Vanderbilt University, where he was deeply influenced by the civil rights movement. He still lives in Bangladesh, and travels widely around the world on behalf of Grameen Bank and the concept of micro-credit.
Author: Muhammad Yunus Edition: 0 Publisher: PublicAffairs Binding: Hardcover ISBN: 1891620118 Price: You Save: 10%
Banker to the Poor: Micro-Lending and the Battle Against World Poverty
The remarkable life story of one visionary economist and his simple but revolutionary tool to end world poverty: micro-credit.Banker to the Poor review. In 1983, against the advice of banking and government officials, Yunus established Grameen, a bank devoted to providing the poorest of Bangladesh with miniscule loans. Grameen Bank, based on the belief that credit is a basic human right, not the privilege of a fortunate few, now provides over 2.5 billion dollars of micro-loans to more than two million families in rural Bangladesh. Ninety-four percent of Yunus's clients are women, and repayment rates are near 100 percentRead full reviews of Banker to the Poor: Micro-Lending and the Battle Against World Poverty.
Read Banker to the Poor by Muhammad Yunus reviews by
Banker to the Poor : Paperback : The Perseus Books Group : 9781586481988 : 1586481983 : 01 Jul 2004 : A new edition of the New York Times Bestseller by the Nobel Peace Prize-winner
Muhammad Yunus is that rare thing: a bona fide visionary. His dream is the total eradication of poverty from the world. In 1983, against the advice of banking and government officials, Yunus established Grameen, a bank devoted to providing the poorest of Bangladesh with minuscule loans. Grameen Bank, based on the belief that credit is a basic human right, not the privilege of a fortunate few, now provides over 2.5 billion dollars of micro-loans to more than two million families in rural Bangladesh. Ninety-four percent of Yunus's clients are women, and repayment rates are near 100 percent. Arou
In 1983, Muhammad Yunus established Grameen, a bank devoted to providing the poorest citizens of Bangladesh with miniscule loans. Believing that credit is a basic human right, not the privilege of a few, Yunus aimed to support that spark of personal initiative and enterprise by which the poor might lift themselves out of poverty forever. Grameen Bank now provides over 2.5 billion dollars of micro-loans to more than two million families in rural Bangladesh, with repayment rates at nearly 100 percent. In Banker to the Poor, Yunus traces the journey that led him to rethink the economic relationsh
Store Search search Title, ISBN and Author Banker to the Poor: Micro-Lending and the Battle Against World Poverty by Muhammad Yunus Estimated delivery 3-12 business days Format Compact Disc Condition Brand New In 1983 Muhammad Yunus established Grameen, a bank devoted to providing the poorest of Bangladesh with miniscule loans. He aimed to help the poor by supporting the spark of personal initiative and enterprise by which they could lift themselves out of poverty forever. Author Biography Muha
payment | shipping rates | returns Banker To The Poor: Micro-Lending and the Battle Against World Poverty Product Category :Books ISBN :1586481983 Title :Banker To The Poor: Micro-Lending and the Battle Against World Poverty EAN :9781586481988 Authors :Muhammad Yunus Binding :Paperback Publisher :PublicAffairs Publication Date :2008-01-08 Pages :312 Signed :False First Edition :False Dust Jacket :False List Price (MSRP) :15.00 Height :0.7000 inches Width :5.5000 inches Length :8.2000 inches Wei
In 1983, against the advice of banking and government officials, Yunus established Grameen, a bank devoted to providing the poorest of Bangladesh with miniscule loans. Grameen Bank, based on the belief that credit is a basic human right, not the privilege of a fortunate few, now provides over 2.5 billion dollars of micro-loans to more than two million families in rural Bangladesh. Ninety-four percent of Yunus's clients are women, and repayment rates are near 100 percent. Around the world, micro-lending programs inspired by Grameen are blossoming, with more than three hundred programs established in the United States alone.
Banker to the Poor is Muhammad Yunus's memoir of how he decided to change his life in order to help the world's poor. In it he traces the intellectual and spiritual journey that led him to fundamentally rethink the economic relationship between rich and poor, and the challenges he and his colleagues faced in founding Grameen. He also provides wise, hopeful guidance for anyone who would like to join him in "putting homelessness and destitution in a museum so that one day our children will visit it and ask how we could have allowed such a terrible thing to go on for so long." The definitive history of micro-credit direct from the man that conceived of it, Banker to the Poor is necessary and inspirational reading for anyone interested in economics, public policy, philanthropy, social history, and business. 8 pp. photos.It began with a simple loan. After witnessing the cycle of poverty that kept many poor women enslaved to high-interest loan sharks in Bangladesh, Dr. Muhammad Yunus lent money to 42 women so they could purchase bamboo to make and sell stools. In a short time, the women were able to repay the loans while continuing to support themselves and their families. With that initial eye-opening success, the seeds of the Grameen Bank, and the concept of microcredit, were planted.
After earning a Ph.D. in economics at Vanderbilt University, Dr. Yunus returned to Bangladesh to settle into a life as a professor. But a famine in 1974 ravaged the country, leading Dr. Yunus to alter his thinking and his life profoundly: "What good were all my complex theories when people were dying of starvation on the sidewalks and porches across from my lecture hall?.... Nothing in the economic theories I taught reflected the life around me." Armed with little more than a lofty dream to end the suffering around him, he started an experimental microcredit enterprise in 1977; by 1983 the Grameen Bank was officially formed.
The idea behind the Grameen Bank is ingeniously simple: extend credit to poor people and they will help themselves. This concept strikes at the root of poverty by specifically targeting the poorest of the poor, providing small loans (usually less than 0) to those unable to obtain credit from traditional banks. At Grameen, loans are administered to groups of five people, with only two receiving their money up front. As soon as these two make a few regular payments, loans are gradually extended to the rest of the group. In this way, the program builds a sense of community as well as individual self-reliance. Most of the Grameen Bank's loans are to women, and since its inception, there has been an astonishing loan repayment rate of over 98 percent.
Banker to the Poor is an inspiring memoir of the birth of microcredit, written in a conversational tone that makes it both moving and enjoyable to read. The Grameen Bank is now a .5 billion banking enterprise in Bangladesh, while the microcredit model has spread to over 50 countries worldwide, from the U.S. to Papua New Guinea, Norway to Nepal. Ever optimistic, Yunus travels the globe spreading the belief that poverty can be eliminated: "...the poor, once economically empowered, are the most determined fighters in the battle to solve the population problem; end illiteracy; and live healthier, better lives. When policy makers finally realize that the poor are their partners, rather than bystanders or enemies, we will progress much faster that we do today." Dr. Yunus's efforts prove that hope is a global currency. --Shawn Carkonen