Rural poor at risk from climate change, says report

Posted by | Posted in credit repair | Posted on 30-08-2011

PHNOM PENH, Cambodia (IRIN) – Building local resilience will prove key to better addressing the effects of climate change in Cambodia, this year’s Cambodia Human Development Report (CHDR) states.

“Local action and local solutions are what is needed most,” Tin Ponlok, deputy director-general of climate change for the Cambodian Ministry of Environment, told IRIN. “This is where we can make the most difference.”

Released on 30 August, the report, Building Resilience: The Future for Rural Livelihoods in the Face of Climate Change, identifies climate change as a threat to human development gains and a source of increasing vulnerability for Cambodia’s poor.

About 80 percent of Cambodia’s- million people live in rural areas, where the vast majority depend on agriculture as their primary source of livelihood.

According to the UN Development Programme (UNDP), shorter and more intense rainy seasons, combined with longer and drier seasons, are expected to significantly alter the country’s agricultural landscape. Predicted rises in temperature could have devastating effects on the rice crops on which many rural livelihoods rely.

Studies in the region suggest rice production, a staple part of the Cambodian diet, could decline significantly with a one degree Celsius rise in temperature, making rice farming unviable for many, the CHDR report says.

“Seasonal practices are now changing and the growing cycle for rice is changing more and more,” said Richard Friend, co-author of the report, noting the potential impact this could have on Cambodia’s overall rice output.

“Many farmers lose their seedlings when the rains are delayed,” he said. “The rains appear to be coming later than usual in line with climate change projections for Cambodia and the region.”

About 80 percent of Cambodia’s rice output is rain-fed.

Speaking at the report’s launch, Deputy Prime Minister and Minister of Economy and Finance Keat Chhon said although climate change was already high on the government’s agenda, it must now be thoroughly incorporated into strategic policies and action plans across all sectors at the national and sub-national levels to build future resilience.

“This needs to be done particularly in the sectors that are the backbone of the national economy such as agriculture, water resources, fisheries, forestry, energy and physical infrastructure,” he said.

The report argues for a well coordinated effort to build climate resilience among the country’s rural population in four key areas: water resources, agriculture, forestry and fisheries.

In 2010, delayed rains demonstrated the extreme dependence of rural people’s well-being on the regularity of seasons, controlled by the climate, and the availability of natural resources such as water.

The late onset of last year’s rainy season resulted in record-low water levels in the Tonle Sap and Mekong rivers at a time when many poor farmers were still reeling from the loss of their crops to Typhoon Ketsana in 2009, the report explained.

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– Provided by Integrated Regional Information Networks.

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“Perfect storm” brewing among urban poor

Posted by | Posted in credit repair | Posted on 22-08-2011

NAIROBI, Kenya (IRIN) – The food crisis that is devastating lives and killing children throughout the Horn of Africa is not restricted to the arid lands where media attention and donor dollars are now focused. In informal urban settlements, malnutrition affects thousands of children but remains largely overlooked by an aid community that is not sure when to label an ongoing crisis an emergency.

Over the past five months, Concern Worldwide has recorded a 62 percent increase in cases of severe acute malnutrition (SAM) at clinics it supports in Nairobi slum areas.

“Since we are only reaching 33 percent of the slum population we know there are likely to be lots more people not getting help,” said communications manager Elizabeth Wright.

“Everything is sort of combining for a perfect storm,” Wright told IRIN. “We’re going to be seeing a full-scale nutritional emergency in the urban context. It will be too late.”

Peter Hailey from the UN Children’s Fund (UNICEF) concurred: “The food crisis, the fuel crisis, and so on are probably affecting people in urban areas more than in the north.”

While the 2.3 percent global acute malnutrition (GAM) rate Concern found in many of Nairobi’s slums falls well below the emergency threshold of 15 percent, more than 8,600 children under five are acutely malnourished in these areas. By contrast, because of its sparser population, northern Isiolo district’s 15.7 percent GAM rate equates to fewer than 3,000 children under five who are acutely malnourished.

“This is not as visible as cattle and goats dying,” said Amina Abdulla, programme manager for urban livelihoods and social protection at Concern. “But the crisis is as severe.”

In Korogocho, a Nairobi slum, Rabaha Mohammad is responsible for feeding herself and 10 other people who share her rented room. “There are days when we don’t have anything to eat, but we might borrow some money or buy food on credit to have something for that day,” she said. Mohammad owes her creditors KSh5,000 – more than US$50.

She and her children subsist on one meal a day – some rice with cabbage and tomatoes, and sometimes tea and bread. “They don’t complain of hunger much,” she said of her children. “They only cry about it once in a while.”

Largely ignored

Part of the reason malnutrition in slums is paid relatively scant attention is that it rarely reaches the emergency level. In Turkana, 15 percent GAM would translate to 13,000 children. But in Nairobi district, 13,000 malnourished children would reflect just a 3.45 percent GAM rate.”Emergency thresholds for malnutrition applied in rural areas are not applicable in poor settlements where population density overrides the health indicators used in rural areas,” said Thandie Mwape, a humanitarian affairs officer with the UN Office for the Coordination of Humanitarian Affairs (OCHA).

A 2009 assessment by Oxfam, Concern and CARE found that “the common use of percentage rates over absolute numbers of children is greatly distorting when used for urban slums, as this masks the high numbers of children affected in such densely populated settings”.

“If GAM rates in Nairobi’s slums reached the internationally recognized emergency threshold of 15 percent, the caseloads would exceed the government’s and humanitarian community’s capacity to treat and respond,” said Wright. She said Concern was working to develop indicators for urban emergencies.

People living in slums are especially vulnerable to food price changes because so much of their income goes on food, and the lack of regular employment makes planning and saving difficult.

To survive the “alarmingly volatile” increases in food prices, said Wright, people have reduced their food intake and turned to negative coping strategies such as engaging in sex work, taking children out of school, or selling assets.

While international assistance is focused on the swelling numbers of refugees and devastated pastoralists, slum conditions often fall far short of the minimum shelter and sanitation standards established for responses to humanitarian crises.

A quarter of Korogocho residents cannot access the 15 litres of water a day suggested by the Sphere Project . Instead of the recommended 45 sqm of total living space, they have on average 12.5 sqm per person.

The 200,000 or so residents have just two government schools and one health facility. They pay five times the usual price for water, according to Concern. They even pay to use a latrine.

“They live in a fixed crisis, day to day,” said Wright. “Because there’s poverty all the time, it’s hard to know when they reach a tipping point.”

“Malnutrition in the urban areas of Kenya is there all of the time, it doesn’t get the attention it should, and some of the background causes of malnutrition rising in the north are the same in the urban areas,” said Hailey. “It’s the same general problem of the population in Africa becoming more and more urban and us overlooking all of their basic problems.”

“There’s never been an interest in the urban areas from a humanitarian perspective,” said Concern’s Abdulla, explaining that donors are more eager to respond to emergencies, not chronic conditions. “Now with the situation in the north, even getting their ear becomes difficult.”

Pauline Wangoi Mungai came to Korogocho 30 years ago, when the place was still being built. She sells vegetables in a small shop on the roadside.

“People used to come and buy a bucket of potatoes,” she said. “Now they come with KSh10 [1 cent] and buy one potato.”

Mungai said she would probably have to raise the price of her vegetables even more to make a profit. In her 30 years in the slum, she had never seen things so bad. “This is the worst. This is the big one.”

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Alice* became a sex worker a year ago when she could not make enough money washing clothes and doing casual work to buy food for her children, and could not find any other job.

Alice said “many more” women have turned to sex work since the drought started and food prices went up. With the KSh50 ($0.90) she makes most days, Alice can buy a little rice for herself and her three children, and maybe some water. She has not paid rent in two months. Her children were chased away from school a month ago when the money ran out to pay the fees.

Alice said the baby she held in her arms was crying because she had not been fed all day. Alice has so little food to eat she can no longer produce breast milk.

“Most days we only eat in the evenings,” she said. “Before, I could afford to buy flour and cook, but now we have to buy [cooked] rice on the street.”

*One name used to protect her identity

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Bad Credit Payday Loans Poor Credit Will Not Be A Problem Now

Posted by | Posted in clean credit | Posted on 20-06-2011

If your loan is getting rejected due to the poor credit history then I must say that you are going to read the correct solution for your problem. Most of the lenders will check your credit history before lending you money. But that is not the case with Bad credit payday loans which do not check your credit history before approving the loan amount. It is quite obvious that if a person is in need of money from past some time and getting through serious financial problems, then only he would look for someone to lend him money to bring stability in his financial conditions. So rejecting a loan for that person just due to bad credit history is not the solution to his problems.

Bad credit payday loans helps all those people who are going through a financial crisis and their loan applications are also getting rejected due to bad credit history like late payments, payment arrears, payment due and bankruptcy etc. If a small amount of loan for a very short period of time can help you for coming out or stabilizing your financial conditions then you should opt for these loans rather than running to your relatives or friends for help in such situations. You just have to prove the power to pay it back and the loan will be approved.

You can take a loan for a short period of time which can be may be your next payday so that you can repay back the amount once you have the money. These loans are completely free from any kind of risk or collateral and you would not need to worry about your financial problems. The entire process is now online where you just have to submit the details online and then wait to put an end to financial problems.

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With his more than thirty years of experience in the loan industry, Ricky Leyer is serving the borrowers with relevant information. It helps them a lot. For further information about cash loans bad credit , bad credit loans in Canada visit http://www.badcreditloansincanada.com/

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Adverse Credit Loans Cash Loans For Poor Credit Holders

Posted by | Posted in clean credit | Posted on 01-05-2011

Many times, a bad credit acts as a big hurdle in the path of getting any loan. Most of the lenders in our country are not ready to grant loans to such people who have poor credit records. This is because they do not want to risk their money by financing such people. So, to solve the needs of such deprived people we have designed adverse credit loans.

As the name suggests, adverse credit loans are approved without any credit verification. It means the lender is least interested in knowing your credit records. If you are earning good income and are fulfilling the basic conditions then the loan will be approved very quickly.

Some of the basic conditions associated with these loans are,
– A borrower should be a permanent citizen of UK;
– He or she should have attained an age of 18 years before applying for such loans;
– He or she should be working somewhere earning a decent income each month;
– He or she should have a valid bank account in any bank of UK.
These loans are generally offered in a secured way. It means if you want to go for such loans, you have to pledge any of your assets with the lender to get the cash financed. It will help you in getting the loan approved immediately without much condition and that too at a very low rate of interest.

As these are secured loans, the amount of loan sanctioned may be big too. It mainly depends upon the security you are keeping with the lender. But this amount may even go around 75000 pounds. This amount is given for a period of few weeks to few months. So according to your needs, you may get the loan sanctioned.

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By giving regular advices on the loan related issues, Karen Flec has gained much popularity in the market. He is expert in his area and is doing many researches further. Get more quality information about bad credit loans , adverse credit unsecured loans visit http://www.adversecreditloans.me.uk

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Immediate Bad Credit Loansfor People With Poor Performance In Credit Repayment

Posted by | Posted in clean credit | Posted on 30-04-2011

Are you constantly denied of borrowing funds from various financial institutions present currently in the market due to your bad credit performances in the past? Do you feel embarrassed before going to lend some money in times of urgent need from the lenders? You might not be even in a position to ask your friends and relatives for the funds as they might also be facing shortage of funds in the mid of the month. If so, then a perfect remedy for this problem has been launched in the market in the name of Immediate Bad Credit Loans scheme especially designed for people troubled because of their poor past performances in repayment and now they are in urgent need of funds with low interest rates.

The Immediate Bad Credit Loans scheme is an optimum solution for people who are unable to fulfill their needs with their salary and are in a problem due to inability to repay the amount previously as a result of which no one is willing to lend them funds. But with this scheme in hand such people can easily get funds the very same day as they need not to undergo any credit checking process. You just need to file an online application for registration with some basic details which gets approved the very same day and after approval the amount is transferred to the checking bank account of the client without delay.

There is no need of standing in long queues in order avail such scheme. The scheme is easily available online without any paper pen formalities to be fulfilled but some basic requirements are that you need to a UK citizen, should be having a valid bank account and should be a salaried person. As soon as these requirements are verifies you become eligible of holding the funds. Moreover the major benefit of this scheme is easy repayment options available according to your convenience.

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Hennry Levi is the best author in his area. He is specialized in this field and constantly does many researches in his filed. He keeps on giving sound suggestions to the borrowers. To learn out more about unsecured loans , next day payday loans visit http://www.badcreditunsecuredloan.me.uk/

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Instant Approval Bad Credit Loans-Designed For The Poor Creditors

Posted by | Posted in clean credit | Posted on 31-12-2010

Most of the borrowers do not apply for a loan due to poor credit status and the fear of rejection of the application by the lender. Keeping the problems of poor creditors in mind, the lending companies of UK have designed instant approval bad credit loans. These loans have been made free from the procedure of credit checks. The poor credit tags like arrears, defaults, bankruptcy or late payments are accepted by the lender. There is no verification of credit history. You just need satisfying the lender with your repayment ability.

Instant approval bad credit loans are availed to you for the amount ranging from 100 pounds to 1500 pounds. The repayment term of these loans is of 2 to 4weeks. You must repay the entire borrowed amount in time to avoid extra charges as penalty. These loans are a bit expensive because of the short-term nature. Therefore, before going for any deal, you should search for various lenders over the web and compare their price quotes. You can also check their terms and conditions. The other beneficial point of these loans is its unsecured nature. There is no need pledging any of your expensive items as a collateral security against the borrowed amount.

These loans are very much helpful in meeting the short-term expenses. You can get all the sudden demands fulfilled through this financial scheme. There is no need standing in long queues in the lender’s office to avail these loans. All you need is filling up an online application form providing your basic details about the borrower like name, age, gender, bank account number, contact information, bank account number, residential proof, employment status and so on and submit it online. The online lender will verify the details and if satisfied, he will wire the requested loan amount into your bank account within a daytime.

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With the help of his experience in the industry, Balvin Bart is continuously providing great advices to the people who want to have suitable loans for them. To learn out more about Instant loans for bad credit , instant decision loans visit http://www.instantapprovalbadcreditloans.me.uk/

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Bad Credit Loans-designed For Poor Creditors

Posted by | Posted in clean credit | Posted on 17-12-2010

Most of the lenders reject the loan application of the poor creditors. This makes the lender more tensed because they could not solve their financial problems with the limited cash. Keeping their problems in mind, the lending companies of UK have specially designed Bad credit loans. With the help of these loans, you can solve the mid-month crisis. When you are out of cash, you should opt for these loans. These loans are helpful in fulfilling the short-term needs.

Bad credit loans have been specially designed for the poor creditors. So, there are absolutely no credit checks. It does not matter to the lender whether you are holding arrears or bankruptcy. There is no verification of credit history. The lenders do not ask you about your credit worthiness. You just need satisfying the lender with your repayment ability. The beauty of these loans is its unsecured nature. There is no need pledging any property, asset, jewellery or car as a collateral security against the borrowed amount.

With the assistance of these loans, you can borrow the amount ranging from 50 pounds to 1500 pounds. The repayment period of these loans is of 2 to 4 weeks. These loans are short-term in nature. Therefore, the lenders charge a high rate of interest on the borrowed amount. Through a proper web analysis, you can get a reasonable price quote.

You can also web use for the application of these loans. If you are not willing to fill numerous forms, you should go for the online mode of application. These loans are free from the paper work. All you need is filling an online application form and submit it online. The application form provides basic details about the borrower like name, age, gender, bank account number, etc. If the online lender is satisfied, he will grant you the loan instantly.

Report: Poor Canadian Children Lag In Well-Being

Posted by | Posted in credit repair | Posted on 05-12-2010

AHN News Staff

Ottawa, Ontario, Canada (AHN) – A UNICEF report released Friday ranked Canada 17th among 24 members of the Organization for Economic Cooperation and Development in terms of overseeing the material well-being of the poorest children.

However, Ottawa placed ninth in the area of health and third in education.

The report titled “The Children Left Behind” named Iceland, Finland, the Netherland and Norway as consistent on the top for the three categories. Switzerland ranked first for material well-being of poorest children.

The report was based on statistics from 2004 to 2007. Canada, however, had better ranking for the three measures than the U.S., Germany and U.K.

Last month, a report on the status of child and family poverty found out that 10 percent of Canadian children are living in poverty. Ottawa’s 9.1 percent child poverty rate, however, is better than the 11.9 percent logged in 1989.

Ottawa will transfer $57.7 billion to provinces and territories in 2010-11 for health, education and social programs.

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Bad Credit Car Loans: Get You Dream Car Despite of Poor Credit

Posted by | Posted in clean credit | Posted on 02-12-2010

Buying a car in current scenario is not a tough job at all, especially when you have number of options available. But it can be difficult, if you are having bad credit score. Adverse credit history does not reflect the true character of a person and any one can get it intentionally or unintentionally. Now, lenders are offering bad credit car loans to fulfill the need of people looking to buy a car. With the help of money, borrowers can buy their favorite car without facing any problem. This loan has been introduced especially those people who had to face poor credit history due to minor mistake.

Chances that you will get you favorite car in spite of bad credit are extremely good with the help of bad credit car loans. Money is provided by banks, lenders, financial companies, credit unions etc. to purchase a car. This finance is available for consumers in two forms secured and unsecured loans with credit repair option. Yes, you got it correct, by paying the monthly payments on or before due date, you can improve the credit history very fast. As we all know that secured loans contain the high risk of property with low interest rate and unsecured loans do not contain any risk for borrowers at all.

It is advisable to go with unsecured bad credit loans, if you are seeking for money to buy a car. Borrowers can find it quiet expensive as far as APR and rate of interest is concerned. But, absence of collateral and any risk factor make it good option for people who already facing problem with credit rating. Not every lenders offer car loans, but you can find good number of available options on internet.

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Borton Stevens is an expert author and has more then 7 years of experience in writing finance related topics. To know more about Bad Credit Car Loans Visit: http://www.firstinloans.co.uk/

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Poor people are most hard-hit by TB, COPD and tobacco

Posted by | Posted in credit repair | Posted on 07-11-2010

Delhi, India (Citizen News Service) – Tobacco use, tuberculosis (TB), and chronic obstructive pulmonary disease (COPD) are all burgeoning problems in resource poor settings. The evidence of their potentially devastating effects on global public health is increasing and they require a coordinated approach for control.

These diseases all occur in predominantly resource-poor countries. They are perpetuated by poverty and inadequate resources, was the clear mandate from the consultative workshop organized by the TB and Poverty sub-working group of the Stop TB Partnership in India (29-30 October 2010). It is expected that the scientific deliberations at the 41st Union World Conference on Lung Health in Berlin, Germany (11-15 November 2010), will address these concerns on a well-coordinated response to these epidemics.

The secretariat of the TB and poverty sub-working group of the Stop TB Partnership has now moved to India, housed at the South-East Asian office of the International Union Against Tuberculosis and Lung Disease (The Union) since August 2010.

Statistically, there is 1 TB-related death that takes place every 18 seconds, and 1 smoking-related death every 13 seconds. The enormous public challenge posed by the combined epidemics of tobacco smoking, TB and COPD, is undoubtedly alarming. In countries like India where the TB disease burden is the highest, the situation is only grimmer with majority of tobacco use happening in form of either leaf-rolled tobacco (beedi) or chewing tobacco.

But is there a link between TB, COPD and tobacco use? Do they increase the risk of each other?

“At the beginning of 21st century we really are facing convergence of several epidemics like TB, COPD and tobacco smoking among others” had said Richard N van Zyl-Smit to CNS at the 38th Union World Conference on Lung Health in 2007. Dr Richard works with Lung Infection and Immunity Unit, Division of Pulmonology and UCT Lung Institute, Department of Medicine, University of Cape Town, South Africa.

“Tobacco smoking is unquestionably the primary risk factor for COPD. The importance of “total burden of inhaled particles” (occupational, household, environmental) is increasing” said Richard.

“Smokers have two fold higher risk of developing active TB disease” shared Dr Madhukar Pai from McGill University and Montreal Chest Institute in Canada. Dr Pai was referring to three meta-analysis studies from 2007/2008. “Tobacco smokers have 2 times more risk of dieing of TB” added Dr Pai, referring to the data from India. India has enormous tobacco use and COPD rates, and also the highest TB burden in the world.

There are studies to show that passive smoking escalates risk of developing active TB disease by three times.

Tobacco smoke increases the risk of pneumonia, influenza, menningococcal meningitis, among others. Evidence is accumulating that smoking is a risk factor for TB.

At least 15 more studies have been published since the three major meta-analyses in 2007/2008. All studies report a positive association between tuberculosis and tobacco smoking. Studies also show that current male smokers have a higher risk for active TB disease than former smokers. In a study conducted in India, 900 non-medical staff monitored 1.1 million people for 3 years for cause of death taking place in this population. TB was the biggest cause of death reported in this study in India, and 66% of those who died of TB during the study, were active smokers.

Mortality rates, particularly from Asian countries suggest that there is an urgent need to target TB patients for smoking cessation interventions.

The second edition of the International Standards of Tuberculosis Care (ISTC), which is an official component of the WHO Stop TB Strategy also mentions tobacco smoking cessation among other measures to improve TB treatment outcomes. The ISTC standard 17 says: “This plan should include assessment of and referrals for treatment of other illnesses with particular attention to those known to affect treatment outcome, for instance care for diabetes mellitus, drug and alcohol treatment programs, tobacco smoking cessation programs, and other psychosocial support services, or to such services as antenatal or well baby care.

Tobacco cessation is an important part of the comprehensive tobacco control programme, but not the only part. So all components of the comprehensive tobacco control measures should be implemented for improving public health outcomes. All countries should implement the global tobacco treaty formally known as the WHO Framework Convention on Tobacco Control (FCTC). Comprehensive tobacco control programmes can yield major public health outcomes, as 30% of male TB patients die of tobacco smoking.

According to PATH Canada factsheet, “For the poor, daily spending on tobacco represents a daily drain on scant family resources. Yet in many countries it is precisely the poor who use tobacco the most. In Bangladesh, smoking rates are twice as high in the lowest income group as in the highest.”

According to the World Health Organization (WHO), “it is the poorer and the poorest who tend to smoke the most. Globally, 84% of smokers live in developing and transitional economy countries.” The WHO further adds: “Together, tobacco and poverty create a vicious circle. In most countries, tobacco use tends to be higher among the poor. Poor families, in turn, spend a larger proportion of their income on tobacco. Money spent on tobacco cannot be spent on basic human needs such as food, shelter, education and healthcare. Tobacco can also worsen poverty among users and their families since tobacco users are at much higher risk of falling ill and dying prematurely of cancers, heart attacks, respiratory diseases or other tobacco-related diseases, depriving families of much-needed income and imposing additional costs for healthcare.”

The risk to develop active TB disease is higher when tobacco smoking is combined with alcohol.

The poor people are undoubtedly most hard hit by TB, tobacco and COPD, and are least likely to have access to existing services. Collaboration between different single disease or other programmes that are addressing poverty in communities will be truly beneficial and have major public health outcomes.

Reporting by Bobby Ramakant of Citizen News Service

The author serves as the Director of CNS Stop-TB Initiative, and was conferred upon the World Health Organization (WHO) Director-General’s WNTD Award in 2008. . Email: bobby@citizen-news.org, website: www.citizen-news.org

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