...1 Nurture & Realize Your Potentials NATIONAL ECONOMICS UNIVERSITY INTERNATIONAL SCHOOL OF MANAGEMENT AND ECONOMICS RESEARCH PROJECT Microcredit of TYM Fund in Hanoi – Efficiency Assessment and Recommendations for improvement Instructor: (MSc.) Mai Xuan Thuy Research group: 28 Hanoi, June 2012 2 ACKNOWLEDGEMENT We would like to address our deepest gratitude to our supervisor – (Msc.) Mai Xuan Thuy, whose constructive comments and orientation from the initial to final phase has made it possible for our project to be both clearer and deeper in analysis. It is a pleasure to thank Prof. Marek Hudon, who made this research possible to be conducted in the most appropriate way. In fact, all the method of analysis applied in this project came from Prof. Marek‟s support and suggestion. Furthermore, he also gave us many useful and knowledgeable sources of data and information. This project would not have been possible without the sample‟s participation. Thus, we heartily send our regards to 15 users of TYM Hanoi and as well 7 loan officers. Lastly, we would like to acknowledge here the debt we owe to Ms. Pham Thi Thu Trang – International Relation Officer of TYM Hanoi, who helped us a lot about collecting the data of TYM as well as clear up several questions about TYM. 3 CONTENTS ABBREVIATIONS ........................................................................................................................ 4 TABLES AND FIGURES ....................................
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...WATCHING MARIA 2160-CUTS WATCHING MARIA Gavin D. Cutshall 2160-CUTS Copyright © 2000 by Gavin D. Cutshall. Library of Congress Number: ISBN #: Hardcover Softcover 00-191612 0-7388-2985-4 0-7388-2986-2 All rights reserved. No part of this book may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording, or by any information storage and retrieval system, without permission in writing from the copyright owner. This is a work of fiction. Names, characters, places and incidents either are the product of the author’s imagination or are used fictitiously, and any resemblance to any actual persons, living or dead, events, or locales is entirely coincidental. This book was printed in the United States of America. To order additional copies of this book, contact: Xlibris Corporation 1-888-7-XLIBRIS www.Xlibris.com Orders@Xlibris.com 2160-CUTS This book is dedicated to my wife, Nancy Cutshall. Thank you, in every way possible 2160-CUTS PROLOGUE July 17, 1996 Maria methodically unpacks her bag and sets the contents down on the salty sand of La Jolla Shores. Everything she needs is placed within reach; a blanket is laid down without a wrinkle, a large towel is placed by the blanket, and a pink bottle of sunscreen is ready to be applied. She even has a small cooler with her, packed with snacks in case we get hungry. Also from the bag she pulls out a contact lens case and a bottle of generic...
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