Examples of low-interest loans in the following topics:
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- Government and private lenders also offer low-interest loans.
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- Many wealthy individuals, particularly those with inherited wealth or substantial stock or real estate holdings, actually have low incomes.
- When a person decides to buy a house, they take out a mortgage from the bank at an interest rate that may or may not be fixed to stay the same over time.
- When they can no longer pay back the loan at the agreed upon interest rate, their home is foreclosed and the bank that gave them the mortgage takes ownership of it.
- Many low to middle-income Americans have had their homes foreclosed upon during the recent recession.
- In many communities with large minority populations, high interest rates can cause roadblocks to home ownership.
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- Recent attempts to reduce global poverty have utilized systems of microcredit, which give small loans to poor households in an attempt to break the cycle of poverty.
- Nearly all microcredit loans are given to women, reflecting an awareness that in poor households women are often responsible for care of the family and may be the only head of household.
- Though low income is the primary cause of female poverty, there are many interrelated sources of this problem.
- Microcredit, a system of providing small loans to individuals and families in impoverished areas in an attempt to reverse the cycle of poverty, is almost always distributed to women.
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- For example, between 1970 and 2002, the continent of Africa received $540 billion in loans from wealthy nations and from the World Bank and IMF.
- The difference, of course, is a result of compound interest.
- Peripheral countries (e.g., most African countries and low income countries in South America) are dependent on core countries for capital, and have very little industrialization and urbanization.
- In many factories, workers are often exploited by low wages, long hours, and poor working conditions.
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- Operating primarily in Bangladesh, Grameen Bank extends loans to groups of people looking to start a local service or manufacturing company.
- In group-based models, several entrepreneurs unite to apply for loans and services as a group.
- At the end of 2009, this organization was tracking 1,084 microfinance initiatives that were serving 74 million borrowers ($38 billion in outstanding loans) and 67 million savers ($23 billion in deposits).
- For example, many people have criticized the high interest rates microfinance charges to borrowers.
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- The distinction between the the "high" culture of the elite and the "low" culture of the masses has become increasingly blurred over time.
- In order to understand popular culture, we must first distinguish between what has been traditionally referred to as "high" and "low" culture.
- The definition of what constitutes popular culture - and where it falls within high and low culture - is frequently debated.
- In essence, they created a space where high and low could meet.
- Conceptual barriers between so-called high and low culture have broken down, accompanying an explosion in scholarly interest in popular culture, which encompasses such diverse media as comic books, television, and the Internet.
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- Since low-class and minority students are overrepresented in low tracks with Whites and Asians generally dominating high tracks, interaction among these groups can be discouraged by tracking.
- Students are usually not offered the opportunity to take classes deemed more appropriate for another track, even if the student has a demonstrated interest and ability in the subject.
- Tracking can also encourage low-ability students to participate in class.
- Tracking can also result in a stigmatization of low-track students.
- This stigmatization can have a negative impact on students' academic performance; for example, students placed in low tracks may lose confidence in their abilities, and their low confidence may be reinforced by teachers' low expectations and their stigmatization by peers.
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- Both organizations extend loans to African countries, but do so only if the sovereign African nation-state accepts certain conditions which usually advance democratic and capitalist norms.
- First, multinational corporations (MNCs), or companies with operations in multiple countries, apply pressure for certain political behaviors to suit their own interests.
- In other words, many African countries are so desperate to bring in revenue to support their domestic agendas that it is in their interests to accept unsavory conditions from foreign companies.
- Second, foreign countries can exert influence over post-colonial states by only offering loans under certain conditions.
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- ., a group member may pass from a low status group into a high status group), individuals are more likely to engage in individual mobility strategies.
- Here, without changing necessarily the objective resources of in the in-group or the out-group, low status in-group members are still able to increase their positive distinctiveness.
- Emile Durkheim was interested in this idea.
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- The growth machine theory of urban growth says urban growth is driven by a coalition of interest groups who all benefit from continuous growth and expansion.
- Growth machine theory reversed the course of urban theory by pointing out that land parcels were not empty fields awaiting human action, but were associated with specific interests—commercial, sentimental, and psychological.
- In other words, city residents were not simply competing for parcels of land; they were also trying to fulfill their particular interests and achieve specific goals.
- In particular, cities are shaped by the real estate interests of people whose properties gain value when cities grow.
- Urban sprawl tends to include low population density: single family homes on large lots instead of apartment buildings, single story or low-rise buildings instead of high-rises, extensive lawns and surface parking lots, and so on.