Remake of It's a Matter of Money by John Fink https://padlet.com/coach_fink/vij4klyocb5q Microcredit vs. Macrofinance en-us 2018-02-28 15:12:21 UTC 2023-03-29 04:54:13 UTC hello@padlet.com Developing LDCs coach_fink https://padlet.com/coach_fink/vij4klyocb5q/wish/236439180 There are many theories and methods that were designed to help countries develop such as Rostow's Model and Foreign investment from MNCs. However recently there has been a movement toward sustainability. Read the following article and watch the short video then write a response to the prompt.

A. Compare and contrast Microfinance and Macrofinance.

B. Explain which you think will have the greatest benefit for LDCs.

Article: https://opinionator.blogs.nytimes.com/2011/03/24/grameen-bank-and-the-public-good/

Video: https://www.ted.com/talks/sangu_delle_in_praise_of_macro_yes_macro_finance_in_africa]]> 2018-02-28 15:14:12 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/236439180 David Johns djohns958 https://padlet.com/coach_fink/vij4klyocb5q/wish/236706138 A) Micro-finance and Macro-finance are both forms of investment in an LDC given by a citizen of another country, but they are both very different. Micro-financing is where your investment goes to a single entrepreneur, along with others donations to other entrepreneurs. It attempts to make every one who is poor have a chance to be an entrepreneur. Macro-financing is where you donate to a single person along with others donations to the same person, allowing that single business to grow to allow it to spread its wealth and innovation to collectively help the country and provide jobs, rather than paying hundreds of people.

B)  In my opinion, LDC investment should be in the form of Macro-Investment. I believe this due to Macro-investment improving the country more than Micro-investment. First Off, Not everyone is an entrepreneur. Micro-investment tries to believe that everyone is an entrepreneur and that the poor are entrepreneurs too. This results in money being wasted. Macro-Investment however invests in the real entrepreneurs of the country. They give their investments to the business men/women of the country which allows more economic flow. When the new corporation, funded by Macro-investment, succeeds and grows they are able to create jobs. With more jobs resulting in more wages, the poor can earn more money. These new workers can help the funded corporation grow even more, which in return gives them more pay. These corporations growth also can help that LDC develop. Macro-investment is more efficient for LDC's, due to it supporting the real entrepreneurs, increasing the wages/incomes of the poor, and allowing the country to develop more  with this economic growth.]]> 2018-02-28 22:27:53 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/236706138 Alexis Carson AlexisCarson https://padlet.com/coach_fink/vij4klyocb5q/wish/236711186 A.  Compare and contrast Microfinance and Macrofinance.
-Microfinace and Macrofinance is when a country, usually an MDC, or wealthy business helps a LDC grow economically. However they have different ways of going about that. Microfinance focuses on an individual or small community. They give financial aid to those who do not have access to it. Macrofinance is when the country or company focuses on the overall economy. They would do this by giving money to many people or businesses to help the economy grow then spread. 

B. Explain which you think will have the greatest benefit for LDCs.
I believe that Macrofinancing is the greatest benefit for helping the LDC's. There is always a chance that by using Microfinacing the person you are loaning the money too will not pay you back. With Macrofinancing each company will be paid which means that their workers will be paid which will then increase their wealth. If each person's salaries are increasing then they will be able to pay for many things including their children's education, taxes, bills, etc.

]]> 2018-02-28 22:50:43 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/236711186 Kayla Alfaro https://padlet.com/coach_fink/vij4klyocb5q/wish/236714352 A.) compare and contrast micro-finance and macro-finance. 
The difference between micro-finance and macro-finance is the level of impact that is caused. They are both methods of helping those in LDC's, but both have different impacts and methods of helping. in micro-financing, money is loaned to an individual and with that money the individual can do a number of things. They can pay for healthcare, buy food, keep their children in school, and etc. Macro-financing impacts a large amount of people at one time. An example of this would be the government building s hydro power dam and hiring thousands of people. 
B.) Explain which you think will have the greatest benefit for LDC's.
I think that macro-financing will have the greatest and most helpful impact on LDC's. Unlike micro-financing, macro-financing can employ thousand with paying jobs at once. With micro-financing the individual that is being loaned money, may fall into a heavy debt. This would not be the best result for many reasons. If the business that is being invested in does not work out in the end, the person will be out of a job, and in debt from his/her investors. It has taken many years to obtain positive results from micro-financing. I feel that with MF, a greater and quicker improvement can be made in LDC's. ]]> 2018-02-28 23:05:04 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/236714352 Hannah Congrove https://padlet.com/coach_fink/vij4klyocb5q/wish/236716572 a. Microfinance and Macrofinance  are both ways of investing in countries in need of aid, but microfinance provides aid to a small business, community, or family in need of it. While macrofinance invests in the whole economy.
b. I think microfinance will have a larger effect on LDCs because they people you are investing in know exactly what they need to make money, so when they make money, they spend money and then other people make money.


]]> 2018-02-28 23:16:11 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/236716572 Brianna Vaugh https://padlet.com/coach_fink/vij4klyocb5q/wish/236716994 A) Compare and Contrast microfinance and macro-finance.
Macrofinance is the investing of a entrepreneur who has been giving a donation and has created a business that has spread, letting the country gain a wealthy economy. This will bring in more future entrepreneurs to provide more jobs and building more big businesses. Also causing the economy to thrive.
Microfinance is the investment into multiple small entrepreneurs in hope that a lot of others would have a chance in becoming a entrepreneur. This has a focus on a smaller area and not much is being spread. Jobs may be provided but the process is slower than macrofinance.
B) Explain which you think will have the greatest benefits for LDC's.
I believe that macrofinance is the better choice for LDC's. This is because as the TED talk video said that the Africans need more businesses so they can provide jobs for others, while helping some of the matters of financial problems within the economy. Even though everyone can't become an entrepreneur, but there is a better chance of gaining more in the future. This will help with the skills for workers and better income. So the work-force can provide for their families and the economy. 

]]> 2018-02-28 23:18:19 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/236716994 Zari Cooper https://padlet.com/coach_fink/vij4klyocb5q/wish/236719894 A) Compare and contrast 
Micro-finance and Macro-finance.

Microfinance is individually focused and it is a community based approach to help provide financial services to poor individuals that don't have access to the mainstream of money. This concept strives to make people self-sufficient by offering them a timely funding, skills training, and a stable income. Macrofinance is over the whole economy on a large region or national level. To macrofinance people will have to draft policies, start programs, or get funding because this is done generally to help other get employed. Both microfinance and macrofinance are ways for civilians to invest in companies without any obligations.
B) Explain which one you think will have the greatest benefit for LDCs.

I think Macrofinancing will be better for LDCs because those countries simply need more money going into their economy. having only a few successful people in the whole country isn't going to further their development. If you macrofinance you will get more people jobs which in turn puts money back into the pockets of the people instead of the government, and eventually these people can begin to invest in themselves or other people generating more profit for their economy.]]> 2018-02-28 23:31:14 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/236719894 Christina Bae https://padlet.com/coach_fink/vij4klyocb5q/wish/236730600 A. Compare and contrast Microfinance and Microfinance.
Ans:/
"With microfinance, you get a sum of money that’s promised on the day it’s promised in the amount that’s promised. It’s often the only reliable service that poor people have — and that’s incredibly powerful.”
This part of the article struck out to me when regarding micro-financing. Like in the name, micro financing deals with individuals in small communities, with small jobs such as small-scale farming, or small shop owners. These people are the ones taking risks, because
everyday, there is a risk of not getting food on the table. This is where micro-financing comes in. This helps those small individuals , giving them small loans to help them, to secure their financial statuses(steady income, in other words) and helping people getting access to clean water, better schools, etc. And although it is helping small communities and individuals, this does not necessarily mean that the economy of that country as a whole will drastically change. In fact, it might not even make any change to the country's economy at all! 
However, with Macro-financing, This allows a large sum of money flow into a passionate, synergetic entrepreneur's business, who are able to make a huge impact on the economy(if they invest wisely) by having over 100 connections with many small-scale farmers and shop keepers!
To sum it all up, minor-financing is for small loans to small groups of people, and has little impact, while Macro-financing is giving A relatively large sum of money to an empowering individual that can have a big impact on it's country.

B. Explain which you think will have the greatest for LDCs.
Ans:/
Looking at the ted-ed video and comparing it to the article I read, macro and micro- financing are both good ways to support certain individuals and their circumstances. Although Micro- financing is a good thing, by helping those small families and individuals with small loans and such, it wouldn't be nice for a country's economic growth in the long run. What an LDC would want is a good economy--- and fast, so MDCs can see which country is worthy of their assistance and business. I support Macro-financing, looking at how it can impact a community, through a series of connections the person has. Although it may not help certain individuals like in Micro-financing, it will help the economy grow, and enable its citizens to feel empowered and proud.
]]> 2018-03-01 00:36:45 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/236730600 Betsy Hardee lunarwolf https://padlet.com/coach_fink/vij4klyocb5q/wish/236737986 A. Microfinance and macrofinance are both ways for investors to provide aid to a country. These two topics describe the different ways. Microfinance is when loans, savings, insurance, and money transfers, are targeted at poor and low-income people. This is done to help the people rise out of poverty and participate in the economy. On the opposite end when the government of LDCs are invested in this is macrofinance. This is meant to be invested in the LDCs economy and help the countries people.

B. I believe macrofinace will be more beneficial when the LDC invests in the economy. THis is because the whole economy is elevated and with the addition of entrepreneurs the economy has more job opportunities. This provides for the LDC in the long run and shows other countries that the LDC is a good choice for further investment.]]> 2018-03-01 01:13:21 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/236737986 Emmanuel Garcia https://padlet.com/coach_fink/vij4klyocb5q/wish/236751557 a. Microfinance and Macrofinance are both ways that people in MDC's are able to invest LDC's to aid them. Microfinance is when someone gives some money to another person and/or others to help them potentially become entrepreneurs. Macrofinance is when a citizen donates money to one single business so then that business can grow and create more job opportunities which can generate even more money.
b. I think that Macrofinance would be best for LDC's because your are giving your money to more stable and secure business. This can create more long term progress than Microfinance. In Microfinance, they expect everyone to be entrepreneurs when in reality most of them would be lost and wouldn't know how to spend their money wisely and allow them to grow a steady successful business. This would be a waste of money. Also poorer people would rather have jobs in a company than have the burden and responsibility of having their own business. Macrofinance would allow a reliable business give the poor jobs with steady incomes and with more workers, that company can produce more and sell more which in turn makes more money. This can allow the company to grow and invest in other poor countries which this whole cycle would happen all over again. This is why Macrofinance would be the best options for LDC's

]]> 2018-03-01 02:22:14 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/236751557 Madalyn Fremstad https://padlet.com/coach_fink/vij4klyocb5q/wish/236751953  
A. Compare and contrast Microfinance and Macrofinance.

Microfinance and Macrofinance are two ways a MDC can invest into a LDC. Micro finance is the provision of microloans to poor entreprenears and small businesses lacking access to banking and related services. Microfinance for example helps small communities or villiages and most likely will be provided by everyday poeple. Macrofinance is aimed to make individuals self-sufficient by offering timely funding, such as helping them learn skills, and establishing a stable means of livelihood. They are funded by large regional groups and national level. These two different ways of diversifying aid are both different and good and bad in their own ways.

B. Explain which you think will have the greatest benefit for LDCs.

Microfinance and macrofinance all deal with the same thing money. The true difference is the amount you invest or donate. In the article it spooke of “microfinance is not, itself one simple thing. It may involve loans, or saving, or a combination of the two”. This struck to me as intriguing because if this is more complex than macrofinance why would we do it? There is one major reason that if we use microfinance we can help people in their day to day activities. Yet this might not be enough. On the contrary, to microfinance there is macrofinance which would help with a longer extension of time. Microfinance is giving a person a fish who is hungry but macrofinance is teaching them to fish so they can provide for themselves the rest of their life. In conclusion, macrofinance is a better solution because they are given more money to survive and build on for longer.

 
]]> 2018-03-01 02:24:23 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/236751953 Logan Gaines https://padlet.com/coach_fink/vij4klyocb5q/wish/236752465 A. Microfinance and Macrofinance are two options potential investors have to provide support to a LDC. Microfinance is the case in which an investor provides small loans to an individual or many individuals. The borrower is then expected to invest in themselves to better their lives or business. Macrofinance, however, is the case where an investor provides a large sum of money to one individual or company that has already created a business.

B. Both cases can provide substantial aid to a growing economy, but in an ideal sense, microfinance would provide the greatest aid. This is because if all individuals used the loan on education an entrepreneurship, it would lessen the discrepancy between the high-class and the low-class. This would then allow for the creation of a middle class in countries that lack such a thing. However, it appears that Macrofinance has been the most successful as of recent times.]]> 2018-03-01 02:27:26 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/236752465 Dara Dawson https://padlet.com/coach_fink/vij4klyocb5q/wish/236752570 A. Microfinance and macrofinance two different ways that investors can help less developed countries. Microfinance is smaller. It's individual or community based. Microfinance is like someone giving one hundred dollars to a guy who is trying to grow his farm. Macrofinance deals with bigger investments. It's like giving 100k to an entrepreneur who builds a factory. 
B. Macrofinance will have a greater benefit for LDCs because it gives people more jobs and it gives poor people more money in return. If a lot of money is given to someone who builds a large factory, then a lot more jobs are offered to people. In microfinancing, only a few people get a job. Also, a large factory makes a lot more money than a small business. This gives the people who are working there more money and gives the people a constant in their lives. They get paid the same amount as often as promised.]]> 2018-03-01 02:28:00 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/236752570 Anita Bassey https://padlet.com/coach_fink/vij4klyocb5q/wish/236755782 A. Compare and contrast Microfinance and Macrofinance.

Microfinance and Macrofinance are two ways MDC countries can invest into and help LDC countries. Micro finance is when loans are provided to poor entrepreneurs and small businesses that are lacking the proper necessities, to kick-start their businesses. Microfinance is aimed to help people in small villages rise out of poverty. Macrofinance deals with helping economies at the regional, or national level. Macrofinance occurs, when an individual of an LDC country is invested in, and with the funds, that individual helps other citizens in that country develop business, to help with economic growth and spread.

B. Explain which you think will have the greatest benefit for LDCs.

Macrofinancing will have the best impact on LDC countires. When an economy is using macrofinancing, thousands of workers can be employed at once, with stable paying jobs. When using microfinancing, the individual that the money is being loaned to, can fall in sever debt, and that will cause the economy to experience a decline, instead of an uprising. Microfinancing only helps certain individuals become successful, but with Macrofinancing, the whole economy can benefit, and that is what LDCs really need. Macrofinancing is more impactful towards LDCs, because more people benefit from it, and that causes more economic and financial growth for the country.
]]> 2018-03-01 02:46:09 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/236755782 Jonny Coss https://padlet.com/coach_fink/vij4klyocb5q/wish/236768911 A. Micro and macro financing both are ways to invest in Africa, however, micro financing donate some little money to small businesses or people. It expects everyone to be an entrepreneur in Africa as the guy said in the TEDTalk. Macrofinancing, on the other hand, is when you donate a larger amount of money to one large business in hope it will succeed and help the economy of a whole region or country instead of one person. Macrofinancing is more reliable in the fact that it gives more jobs and helps increase economy. 

B. I believe LDCs in Africa can be helped by macrofinancing more than they would microfinancing due to the fact that macrofinancing could create one large business that gives possibly hundred of people jobs with higher wages than having each person having their own local business with lowered wages.
]]> 2018-03-01 04:04:14 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/236768911 Autumn R Girardin https://padlet.com/coach_fink/vij4klyocb5q/wish/236769457 A) Compare & contrast microfinance & macrofinance

Both microfinance and macrofinance are ways that MDCs can assist LDCs by investing in the country. Microfinance is the act of lending small amounts of money to specific people to help them start new businesses. These small investments are enough to get companies started within LDC communities in hopes that this will eventually lead to the country developing faster and better. Macrofinance is the action of giving big loans to LDCs in a more national or regional way, rather than directly to the people, entrusting it will be used in the most beneficial ways. This can sometimes lead to misuse of loans towards less important or less beneficial investments.

B) Explain which method of financing you think will be most beneficial for an LDC

While microfinancing ensures loans are directly invested to the citizens of an LDC, it would consume more time and would take longer for real improvement to be seen within the LDC. Macrofinancing is (most of time ) more successful in aiding an LDC as money can be invested more widely and on things that will have stronger positive impacts than that of starting companies small scale. It can lead to the quick creation of jobs and boost the economy.]]> 2018-03-01 04:07:52 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/236769457 Derrick Allen https://padlet.com/coach_fink/vij4klyocb5q/wish/236771558 A) Microfinance and macro-finance are both ways that an MDC or LDC can invest in another LDC country or a person in that country. Microfinance is the act of loaning small amounts of money to people in LDC countries to help them start a business or to maintain stability in their homes. These small loans have been used to help families with paying for medicine or being able to plan for when there are times of uncertainty of when money will be available. While in macro-finance there is a lump sum of money that is given to an entrepreneur in an LDC to help grow their business and then the lump sum of money will help start an entire operation and company for the business. This then leads to the creation of jobs for not only a region in a country but for people throughout the country and maybe even for people in different countries which is a positive catalyst for the development of an area or multiple areas in an LDC.

B) I believe the most affective options for a country to receive when it comes to loans is the macro-finance loan which gives a lump sum of money to an entrepreneur to help his/her business grow which can then lead to the spread of the business around the country. This means that their will be newly forming jobs in that country and those jobs will lead to the expansion of the business and then this will help the development of the country grow. Along with the growth of the country where the business was founded there will also be a growth in the countries surrounding the business because like in the TED Talk video the man speaking said that their lump sum of 100k dollars helped expand the business to have partnerships with other countries and with the business expanding into other countries than that will help create more jobs in that region which will lead to the economic growth of that country as well as the founding country.]]> 2018-03-01 04:22:38 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/236771558 Matthew Barbour matthew_barbour https://padlet.com/coach_fink/vij4klyocb5q/wish/236774227 A. Micro and Macro finance are both methods used to support and assist LDCs via funds. They are both aimed at encouraging further investment, and to kick start economic growth.
Macrofinance describes the supplying and loaning of large sums of funds directly from a government to another. It is direct, and meant to be re-invested back into infrastructure, as to promote growth. Microfinance, on the other hand, describes the transfer of small sums of money donated by people directly to entrepreneurs, as to assist in a developing business.

B. Microfinance has a greater impact on the prosperity of a developing nation than Macrofinance. By developing local businesses, Microfinance supports the greater population, and creates new jobs for others. Unlike Macrofinance, Microfinance is much less likely to be abused or misused, as an unstable or corrupt government could waste the money on selfish or even dangerous things, such as fueling and prolonging conflicts.]]> 2018-03-01 04:40:50 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/236774227 Matthew Frey https://padlet.com/coach_fink/vij4klyocb5q/wish/236815666 A. Macro-finance is when you give money to large businesses in hoping they become national and spread to other countries. This focuses on creating more jobs from the business spreading and helping out the national economy while micro-finance focuses on giving out small loans to people in hopes they become entrepreneurs and end up like business men and women and create jobs. Micro-finance focuses on the local economy. 
B. Macro-Finance is better because not many people have the skill or knowledge on how to become an entrepreneur and will most likely fail. If you help out a already strong business to increase its production and expand to other countries, you are not only helping out people by giving them more jobs but also the countries it expands to because the newly expanded business will pour money into the economy and also improve infrastructure. With people having jobs, they can send their kids to school and hope they one day become skilled to take on even better jobs, or to come up with better entrepreneur ideas that will one day propel them to success. ]]> 2018-03-01 09:27:22 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/236815666 Sara Surrency https://padlet.com/coach_fink/vij4klyocb5q/wish/237213719 A. Micro-financing is only donating a small amount of money to a small business or person, and macro-financing is when someone gives money to a large business, helping to create more jobs in the process. Although they are both ways to increase jobs and help lower poverty levels, one of these two is clearly superior.  While micro-financing only focuses on a certain area, or local economy, macro-managing focuses on the entire, and big picture.

B. In order to help LDCs in Africa become stable, and rise as independent countries, macro-managing is crucial. It helps to create jobs, boost the economy, and increase the amount of wealth coming into the country. Instead of owning a business, getting paid lower funds, and being unsure about the future, thanks to macro-managing, there is a way to invest, knowing you are making a difference.]]> 2018-03-01 22:20:02 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/237213719 Mariama Jammeh https://padlet.com/coach_fink/vij4klyocb5q/wish/237245180 A. Micro-financing and Macro-financing is when MDC's and LDC's around the world invest/donate money to entrepreneurs or small businesses in other countries. The major difference between Micro-financing and Macro-financing is that Micro-financing is when someone donates money to somebody who is poor or less fortunate to start their own business. Macro-financing is when a corporation or the government gives money to a business in order for them to expand.Unlike Macro-financing, Micro-financing comes with risks that the investor won't get their money back. 

B. The greatest benefit for LDC's is Macro-financing because it helps a wide variety of people and it strengths the economy. Micro-financing only benefits one person and the success rate is much lower. Giving businesses in LDC's money to expand their company allows more people to get jobs and provide for their families. Marco-financing also comes with no risks. It is much more reasonable and beneficial to growing economies such as LDC's.]]> 2018-03-02 01:05:44 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/237245180 Addie Durham addiegraceberry https://padlet.com/coach_fink/vij4klyocb5q/wish/237265645 A) Microfinance deals with finance as well as economics of small or single businesses while macroeconomics deals with finance as well as economics of very large entities and more often the markets as well as economics of large areas like the whole world or a country. 
B) In my opinion, the most beneficial thing to do is to use both microfinance and macro finance together because they both have their own advantages.]]> 2018-03-02 03:11:19 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/237265645 Elliott Westbrook https://padlet.com/coach_fink/vij4klyocb5q/wish/243448093 A.) Microfinance is giving small donations to rural countries in order to start and support small businesses. Macrofinance is large sums of money being given to a country for the leader of the country to decide what to do with it. It is much easier to do a lot with macrofinance but much more effective to use microfinance. 

B.) I believe that microfinance is more effective than macrofinance in supporting small businesses in LDC’s. It is more effective because countries that recieve macrofinance are more likely to use the money incorrectly. Microfinance is more helpful because we can donate little sums of money and teach small business ownersin LDC’s how to invest that money correctly, which would help them more in the long run. ]]> 2018-03-19 12:46:47 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/243448093 Elijah Degraffenreid https://padlet.com/coach_fink/vij4klyocb5q/wish/245261098 A. Macro-finance is when money is given to a local business hoping that they become a internationally known and have a large income. This helps a LDC provide for itself rather than giving money to the country's leader. Micro-finance is when the money is given to a select group of individuals hoping that one day they will become successful business men and business women. 
B. Macro-finance is better because it gives the money into an already growing business that will give other people in the country jobs which will increase the economic flow of money. This puts the money in the people hands in hope that they invest back into their businesses.]]> 2018-03-22 21:52:13 UTC https://padlet.com/coach_fink/vij4klyocb5q/wish/245261098