Essay on The Effects of Small Loans to Those in Need

I can apply this new knowledge to my own personal life, by realizing that people come from a variety of different backgrounds. One background is not superior to another background. It is important to be accepting of where people come from, and to not judge them based on their culture. That knowledge can be currently carried out into my professional life, as a Certified Nursing Assistant (CNA). When caring for my residents, I should never be judgmental of their physical or mental conditions. Everyone is at a different point in their lives, and it is important to comfort people along their lifelong journey. This experience changed my opinion of different cultures by making me more aware of the poverty that East Asian counties face. I never knew that the Philippines was among the top poverty-stricken countries in East Asia. Going forward, I will use that information to make a bigger effort to give back to people in the Philippines, especially in times of disaster.

One of the many impactful times was when the realization how happy the kids are with so little. Going into the trip you are told how they live in poverty, but the realization of how little they have does not seem real until it is experienced in person. It would have been normal if the kids walked in with glum faces and an ungrateful heart (it is what we are used to in America, after all- being ungrateful or sad about what you have/given), but instead the room lights up with the smiles of the children who are so grateful/proud of everything they have. One instance of how happy/proud they are of what they have is when we visited the homes of a student and teacher from Hope for Guatemala. When visiting Hadie’s home- one of the teachers at Hope for Guatemala- and meeting some of her family was an eye-opening experience. Hadie’s mom was 40 years old and has had 14 children and could not stop smiling, even though two of her children had died tragically just a couple years ago. Hadie’s mom ran her business- a tortilla shop- from the front of her house which was a considered nicer for that area. It had a 3 room house that was being renovated to have a bigger area than the hallway to sell tortillas and another room 2 rooms that 4 people could sleep/live in instead of 5 per room, and the renovations was affordable because of the donated money through the church and

Bad credit payday loans have gained popularity over the years. Today, millions of Australians rely on these loans to settle their immediate financial challenges. Unlike other types of loans, payday loans are approved within the shortest time. In less than 24 hours, you are assured of money in your bank. Despite their popularity, there are lots of people still struggling to get their payday loans applications approved. Here, we will advise you on some tips you can apply to be assured of approved bad credit payday loans, but first, you need to know whether you qualify for these loans.

A college student in today’s society obtains a high amount of debt from all the necessary loans taken out to pay for the expensive cost of a college education. For those who do have a high paying job after college or are in generally lower salary careers, these debts become lifelong companions because they are unable to pay them back with their incomes. It is proposed that income-contingent loans will help people paying back student loans to pay them back at a rate in which is based on how much money they are making. Then after 10-20 years they are forgiven of their debts, which allows them to put their incomes towards building their future rather than paying back their past. Kevin Carey is an American higher education writer, policy analyst and a Director of the Education Policy Program at New America. On October 23, 2011 he published an article, titled “The U.S. Should Adopt Income-Based Loans Now” which discusses the need for income-based loans here in America. An analysis of Kevin Carey’s essay will identify and detail the author’s project, two claims and evidence, and the refutation in order to determine its effectiveness.

Alongside my studies, I run a nonprofit organization called The Esther Enaholo Foundation (www.teef.org.ng). This foundation is a platform for reaching out to children in motherless babies’ home. Our most recent project was organizing a Christmas party for children in Arrows of God orphanage home, Ajah. This party had in attendance 50 children from the orphanage home, masters’ students from Pan-Atlantic University and staff of the

Even though I became very sentimental and emotional during this trip, it was an important experience in my life. These children opened up a whole new world for me, and I will never forget their pure hearts and thankful words. During this visit, I’ve promised myself to keep on helping people all over the world. After my return I took part in organizing Amnesty International club at school. During club meeting we discussed current events, looked for people who needed help, and organized events and bake sales as fundraisers to help

I’ve stayed home innumerable nights this year working hard from the bus stop to the time I go to bed because I strive to go the extra mile. I have twelve years of school ahead of me, and I am not afraid of the hurdles it will bring because I know how to work hard for the long haul. I will apply this strength in the university as well. With the same skill, I’ve pushed through the adversities in altruism, the primal reason as to why I deserve this scholarship. As an altruist, I have put hundreds of hours of community service into the City of Howell, impacting the lives of children and adults each day. As an award-winning Vice President of a volunteer board for teenagers, we plan and carry out events to get students off the streets and into our welcoming teen center in downtown Howell. At times, our teen center faced closure and disapproval from government officials, but I pulled my board’s representatives over each hurdle and into our new building. I plan on continuing my charitable efforts around the globe, and I would like to make that mark on the world with this

As a student at Avila I had the special opportunity to give money toward a loan to a lucky recipient across the country through and organization called FINCA. FINCA is an organization that provides microfinance loan opportunities to a plethora of people in 21 different countries. I had the chance to choose a recipient to make a loan to that was funded through t-shirt sales at Avila. We were inspired to make these loans as a university because our common reading story this summer was International Bank of Bob by Bob Harris where the author writes about his adventures meeting recipients of his KIVA loans, and organization much like FINCA. My chosen FINCA client is named Rhoda Mwale.

Make-A-Wish Foundation has become very close to my heart over the years, and I finally got the chance to contribute to my favorite charity in a big way during my senior year of high school! While a member of Student Government, our sponsor suggested that we make our Homecoming Spirit Week a way for us to help give back, and he suggested that we sponsor a child from the Make-A-Wish Foundation. Upon hearing the news, I couldn’t have been more excited and quickly began working with my fellow student government members to brainstorm potential fundraising ideas. Finally, we decided on our fundraiser: It was an inter-class competition called “Jar Wars” to see which class could fill their jar with the most change the fastest by the end of Spirit Week.

Everyone is awesome in their own way, and some fail to achieve their potential because of the family they were born into. My goal will not only help others, but help me in meeting new people. The fact that there are seven billion people on earth, and that every single one of them is different is mind-blowing. To go to a third world country and see how they live, and how different life is there would be such a humbling experience. By giving of myself to help them learn, explore, and succeed will be how I would do my part to change the

In both developing and emerging economies, microfinance has vastly and increasingly been seen as one of the most important means for enhancing the lives of the poor and therefore a major tool for economic and social development mostly in rural areas. Lately, contrary to this widespread belief, critics have raised eyebrows against this growing popularity of microfinance as a major tool for enhancing economic development. Contrary to belief, they are of the opinion that microfinance is a ‘make-belief’ that is hindering economic and social development rather than enhancing it.

Despite our social action was not being effective in terms of raising awareness and spreading the word about child poverty in Australia. I had a great learning experience in terms of learning about child poverty in Australia and how surprisingly big of an issue it is in the country despite most of the areas are developed

Recently, my grade took a trip to New York City to help the less fortunate. At first, I was unsure about the trip, but after experiencing serving at soup kitchens, gathering food for the poor, and helping a society who provide to the poor; I have seen how fortunate I am to have what I have. This year, my grade (ninth grade) will taking a trip to the Dominican Republic, where we will teach English and vocabulary to children . Fay has designated a week for grades seven, eight, and nine, to help communities either nearby Fay or in places of need. Fay has always emphasized values and my time there has made me more focused on how I can give back to my community.

Nowadays, the detriment in higher education has reached alarming levels. According to Suzanne Mettler, a political scientist at Cornell University, while students work hard on the side to be able to afford an education, they receive an inferior education because education has evolved into a caste system that doesn’t give them a chance to succeed. Mettler addresses this topic in her book, “Degrees of Inequality: How the Politics of Higher Education Sabotaged the American Dream.” She analyzes the relationship between money and politics, greed, and misplaced priorities, and how education produces more inequality amongst students from different economic levels (HU, 2015).

The Department of Education in recent times has embraced a new system regarding student loans, bringing on board a customer-friendly policy. According to this new scheme, students will now have access to loans with easier and less complex repayment terms. This development will help them fast-track the repayment of their debts without hassles. The Department of Education also integrated an income-based repayment plan: a flexible approach geared at facilitating student finance in their most dire hour of need. Sadly, despite having the potentials to substantially pull off the amount of burden on people’s shoulders, this income-driven repayment scheme hasn’t gained much traction and acceptability among the general population. This is due to