This book is composed of three essays which met the requirement for a PhD in the Applied Economics Program at Auburn University. After taking a course in economic development, I became interested in microfinance institutions, impact analysis, economic growth, and asymmetric information. Each essay is unique and serves a distinct purpose. The first uses data graciously provided by a Norwegian Economist, Dr. Roy Mersland, on a large global sample of small microfinance institutions. The data provided allowed for correct scale and production elasticity computation to show the constraints of...

Better Than Zen Adult Coloring Book Volume 1: Calming Kaleidoscopes Enter the world of Zen through specially designed calming kaleidoscopes. Bring these designs to life with your own unique colors and imagination. Coloring is a calming, fun activity that can enhance your mood any time of the day. The Better Than Zen series is a journey through exotic Asia. Come relax and color now.