Exam Review

Excellence 

• A message to Garcia- some things are worth doing a good job at 
• Socrates/ Ancient Greeks- don't just do what your told, question authority ("the examined life is not worth living") if you don't go above and beyond your no better than your dog 
• Did you know?/Shift Happens - keep learning as our world is changing faster than ever 

Population and Migration

• RNI, TFR, crude birth rate, crude death rate 
• Net Migration Rate
• push/ pull forces 
• developed/developing nations
• infrastructure- electricity, good education, health care, transportation (boats to export and import goods) 
• god grew tired of us
• (need to realize alot of countries have different problems, the US thinks we're falling apart but compared to other poor countries we're doing very well. 
• (America is the greatest country) 

Cultural Geography 

• language 
• major religions (Christianity, Islam, Hinduism, Judaism, Buddhism 
• ethnic heritage 
• (look at peoples culture from a different point of view) 

Political Geography

• country, nation, nation/state 
• world leaders we studied (12, plus the US) 
• type of government, leader and title, photographs of countries 

Economic Geography 

• microfinance 
• infrastructure 
• kiva
• peace corps 

Mandela

Today we finally got back to school from the snow but we still had a two hour delay. Also it was a Wednesday so we had very short classes. In class we went over our test. I only got one wrong but thats still a 93%. I knew that answer i just read to question wrong, i am so mad at myself that i didnt get 100. For the rest of class we talked about Mandela who just died. I didnt know who he was until i saw it in the news. I found in interesting that the leader form Israel wasn't at his funeral.

Test

Today in human geo we took a test. I'm almost positive i got 100%. I thought it was really easy. I was surprised i knew all the answers because i didn't study until this morning. I'm glad i did much better then the last test!

microfinance- a form of finical services for entrepreneurs and small businesses lacking access to banking and related services 
microloan- a small loan given to individuals who might not have access to typical baking services, usually to start or expand small, self sufficient businesses

Who prides microloans? 

• kiva.org is the best known  
• has given away half a billion dollars in loans 
• Kiva's repayment rate is 99.01% 

Who receives them?

• microentrepreneurs who are trying to get a kickstart 
• villagers needing to fund a clinic, hospital, or heal care center
• teachers trying to run a school
• students wanting to advance their education 

Problems with microloans?

• high interest rates
• cost of providing banking services 

How do they help?

• take place of banking services 

Challegnes 

• substandard education 
• poor health care 

Malaria 

• means bad air 
• a mosquito-borne infectious disease
• humans and animals can be infected through the bite of a female mosquito 
• to vaccine exists 
• kills around 665,000 people a year, many of them children in sub-Saharan Africa 
• mosquito nets can be effective 

Philanthropy 

• is the generous donation of money to good causes, and Bill and Melinda Gates are the second gratest philanthropists in hisotry. ($28 billion, 1/3 of their wealth)
• they support research and developemnt for a vaccine,diagnostics, and mosquito-control measures- like mosquito nets
• 
  

10 questions

1.) What is a microloan? - loaning people money to help them get a kickstart in a small business that will be beneficial to help their business be successful.

2.) What are some problems that can be helped my microfinance? Malaria, Drought, and Clean Water

3.)  How can microloans help? benefit others instead of the person allowing the community to benefit from it.

4.)  What is microfinance? -  is a general term to describe financial services to low-income individuals or to those who do not have access to typical banking services.

5.) What’s a microlender? - an organization that makes business loans to individuals who are not able to obtain financing from traditional lenders. (usually charge higher-than-average interest rates)

6.) what is malaria? What is it caused by? Its a disease transmitted from person to person through the bite of a female Anopheles mosquito, which requires blood to nurture her eggs.

7.)  What are some effects of droughts or heavy rains? -The climate in the region affects the farming which is relied on in many because they are not as developed as other places.The weather is unpredictable. Many times there won’t be as much rainfall that is needed for the crops to survive, these times are called droughts Other times there is too much rain, this leads to many of the crops getting washed away because they are already full of water and can’t take any more in. Both resulting in little/no crops.

8.)  How do loans affect small business? - Loans help people with small businesses to get a kick start on what they want to do. They may get funds, structure investments, housing, and help for the economy in small areas near by.

9.) Who is the biggest provider for mosquito nets? - Bill Gates

10.) How many deaths does malaria cause each year? - 6,000

Microfinance- a general term to be describe financial services to low-income individuals or to those who do not have access to typical banking services

Microloans- loans people money to help them get a kickstart in a small business that they think will be beneficial to their own village or town

• Microloans also helps investments in infrastructure, education, and legal reforms

What does it do?

• Provides people who don’t have the money to get a loan to start a business, pay for medical attention, pay for schools etc.
• Helps small businesses start up and stay running. This helps the local economy it also helps pay for insurance
• Is an opportunity for the less fortunate people to have stuff they wouldn’t be able to afford or start up
• Allows poor people to improve their homes

Developing countries

In most developing countries most people are poor, but it is the poor people who are least likely to be helped by regular banks

Problems in developing countries that can be helped by microfinance-

• Malaria
• Drought
• Clean water

Malaria - life threatening disease transmitted by mosquitos. It was once thought that the disease came from fetid marshes. Every year it causes 655,000 deaths. Every minute a child dies from malaria 

Bill Gates: 

• is a philanthropist
• Bill and Melinda gates donate billions of dollars to help cure diseases and help sell mosquito nets

• Microlenders is an organization that makes business loans to individuals who are not able to get money from traditional lenders
• Charge higher than average interest rates. 
• Their maximum loan is usually 25,000 or less
• People who receive microloans are usually individuals in poverty or in development zones in the US or who live in developing nations.

Ways Microloans can help: 

•  helps expand their business
•  the business can have a positive affect on the community around them
•  allows small business loaners access to insurance
•  create choice, allows people to switch professions and work in a field that interest them or interest them more than their last job

No Plans

Today in human geo we didn't do anything. Mr. Schick said he had nothing planned for us so we just sat and talked. We talked about schools and how Jazz is leaving. There's nothing really to write about so yeah.