Reviews

Roman Szporluk (ed.), National Identity and Ethnicity in Russia and the New States of Eurasia. New York and London: M.E. Sharpe, 1994, xiii + 328 pp., £40.00 h/b, £16.00 p/b.

Paul Kolstoe, Russians in the Former Soviet Republics. London: Hurst, 1995, xii + 340 pp., £35.00.

Ronald Grigor Suny, The Révenge of the Past. Nationalism, Revolution and the Collapse of the Soviet Union. Stanford: Stanford University Press, 1993, xix + 207 pp., £25.00 h/b, £10.95 p/b.

Ian Bremmer & Ray Taras (eds), Nations and Politics in the Soviet Successor States. Cambridge: Cambridge University Press, 1993, xxvii + 557 pp., £55.00 h/b, £17.95 p/b.

Charles A. Kupchan (ed.), Nationalism and Nationalities in the New Europe. Ithaca & London: Cornell University Press, 1995, xi + 224 pp., £31.50 h/b, £11.95 p/b.

Christopher Williams, AIDS in Post‐Communist Russia and its Successor States. Aldershot: Avebury, 1995, xvi + 216 pp., £35.00.

Amin Saikal & William Maley (eds), Russia in Search of its Future. Cambridge: Cambridge University Press, 1995, xii + 239 pp., £30.00 h/b, £10.95 p/b.

Marco de Andreis & Francesco Calogero, The Soviet Nuclear Weapon Legacy. New York: Oxford University Press, 1995, x + 130 pp., £25.00.

Eva Haraszti‐Taylor, The Hungarian Revolution of 1956. A Collection of Documents from the British Foreign Office. London: Astra Press, 1995, xxxii + 404 pp., £5.95.

Julian Cooper, Maureen Perrie & E. A. Rees (eds), Soviet History, 1917–53: Essays in Honour of R. W. Davies. London and Basingstoke: St Martin's Press, 1995, xxviii + 273 pp. £45.00.

Tsentral'nyi gosudarstvennyi arkhiv Sovetskoi Armii. Putevoditel’ v dvukh tomakh. Minneapolis: East View Publications, Vol. 1, v + 421 pp., Vol. 2, vi + 531 pp., 1991, 1993, £59.00.

Vladimir N. Brovkin, Behind the Front Lines of the Civil War: Political Parties and Social Movements in Russia, 1918–1922, Princeton, NJ: Princeton University Press, 1994, xiv + 455 pp.

Semion Lyandres, The Bolsheviks’ ‘German Gold’ Revisited: An Inquiry into the 1917 Accusations. Pittsburgh: Carl Beck Papers No. 1106, Center for Russian and East European Studies, University of Pittsburgh, 1995, 132 pp., no price.

Al Richardson (ed.), In Defence of the Russian Revolution: A Selection of Bolshevik Writings. 1917–1923. London: Porcupine Press, 1995, xvi + 287 pp., £12.99.

Neil Robinson, Ideology and the Collapse of the Soviet System. A Critical History of Soviet Ideological Discourse. Aldershot: Edward Elgar, 1995, x + 227 pp., £45.00.

Alexsandras Shtromas (ed.), The End of “Isms"? Reflections on the Fate of Ideological Politics after Communism's Collapse. Oxford: Blackwell Publishers, 1995, 234 pp., £13.99.

Simon Tormey, Making Sense of Tyranny: Interpretations of Totalitarianism. Manchester: Manchester University Press, 1995, vi + 199 pp., £7.95.

David L. Hoffmann, Peasant Metropolis: Social Identities in Moscow, 1929–1941. Ithaca and London: Cornell University Press, 1994, xv + 282 pp., £26.95.

Heather Hogan, Forging Revolution: Metalworkers, Managers, and the State in St. Petersburg, 1890–1914. Bloomington, IN: Indiana University Press, 1993, xviii + 319 pp., £32.50.

Marjorie Mandelstam Balzer (ed.), Culture Incarnate: Native Anthropology from Russia. Armonk, New York, London: M.E. Sharpe, 1995, xii + 270 pp.

Michael D. Kennedy (ed.), Envisioning Eastern Europe: Postcommunist Cultural Studies. Michigan: University of Michigan Press, 1994, 249 pp., £30.00.

Blanche H. Gelfant, Cross‐Cultural Reckonings: A Triptych of Russian, American, and Canadian Texts. Cambridge: Cambridge University Press, 1995, x + 190 pp., £35.00.     

"Europe of the Regions" and the Federalization of Europe

There is a close connection between regionalism, federalism,and the movement to create a united federal Europe. The recentmovement to create a "Europe of the Regions" is one expressionof these connections. However, there are many kinds of regions,and certain forms of regional policy that may not necessarilybe an expression of either regionalism or European federalism.It might be said, nevertheless, that a "Europe of the Regions"is emerging in the weaker sense that, in today s Europe, significantchanges are taking place in the nature and functions of thenation-state. These changes are providing new opportunitiesfor regions to become more important policy actors in a widerEuropean context. The nation-state, however, is unlikely todisappear.     

Financial sustainability in savings and credit programmes

This article provides a framework for determining, justifying, and improving financial sustainability of savings and credit programs. Credit programs have income from interest and fees. Income must pay for the cost of funds, loan write-offs, operating costs, and inflation. Reference is made to Otero and Rhyne's four levels of self-sufficiency in credit programs. The Grameen Bank is an example of Level 3 and most credit unions are level 4. Nongovernmental groups in the United Kingdom are level 1 or 2. Experience has shown that removal of subsidies did not affect the quality of services or shift benefits away from the poor. Success in serving poorer people better is attributed 1) to more money being available for lending under tighter management practices, 2) to greater openness to a variety of clients from removal of subsidy restrictions, 3) to a shift to higher interest rates that eliminate richer borrowers, and 4) to a shift to serious collection of loans which is a disincentive to more privileged borrowers. Percentages of loan loss, administration costs, cost of funds, and inflation are useful in measuring the sustainability of credit programs. Interest and fee income must also be measured. Fee repayment rates do not have a common definition of arrears, default, and write-off. A simple measure is the percentage of total costs covered by income. The World Bank recommends the Subsidy Dependence Index. Women tend to be better at repaying loans. Loan size should be related to borrowers' ability to handle the amount of the loan. Low and subsidized interest rates deter depositors and attract richer borrowers. Poorer borrowers are attracted by access to credit and not the cost of credit. Interest rates should be based on market rates. The loan payment should be no longer than necessary. Small groups of borrowers can guarantee each others loans. Group-based loan schemes work best. NGOs must project an image of being serious about loan collections and must take action immediately when a payment is missed. Good repayers should be rewarded with quick repeat loans.     

Reviews

Anders Aslund, How Russia Became a Market Economy. Washington, DC: The Brookings Institution, 1995, xviii + 378 pp., £25.75/£9.95.

Boris Kagarlitsky, Restoration in Russia: Why Capitalism Failed. London: Verso, 1995, 172 pp., £39.95/£11.95.

Simon Clarke (ed.), Management and Industry in Russia: Formal and Informal Relations in the Period of Transition. Aldershot: Edward Elgar, 1995, xii + 244 pp. £45.00.

Jan Adam, Why Did the Socialist System Collapse in Central and Eastern European Countries? The Case of Poland, the Former Czechoslovakia and Hungary. London: Macmillan, 1996, xii + 244 pp., £40.00.

? Bogeti? & Arye L. Hillman (eds), Financing Government in the Transition: Bulgaria. The Political Economy of Tax Policies, Tax Bases, and Tax Evasion. Washington, DC: The World Bank, 1995, xv + 254 pp., £19.95.

Vladimir Tismaneanu (ed.), Political Culture and Civil Society in Russia and the New States of Eurasia. Armonk, NY: M. E. Sharpe, 1995, xiii + 384 pp., $22.95.

Alexander Maksimovich Yakovlev, Striving for Law in a Lawless Land—Memoirs of a Russian Reformer. New York: M. E. Sharpe, 1996, xvi + 237 pp., $62.95.

Tuomas Forsberg (ed.), Contested Territory: Border Disputes at the Edge of the Former Soviet Empire. Aldershot: Edward Elgar, 1995, xi + 267 pp., £45.00.

Graham Smith (ed.), The Nationalities Question in the Post‐Soviet States. London: Longman, 1996, xiv + 524 pp.

Aleksandr’ G. Savel'yev & Nikolai N. Detinov, The Big Five: Arms Control Decision‐making in the Soviet Union. Westport, CT: Praeger, 1995, xiv + 204 pp., £47.95.

Keith L. Nelson, The Making of Detente: Soviet‐American Relations in the Shadow of Vietnam, Baltimore, MD: Johns Hopkins University Press, 1995, xvii + 217pp., £29.00.

George Ginsburgs, Alvin Z. Rubinstein & Oles M. Smolansky (eds), Russia and America: From Rivalry to Reconciliation, New York: M. Sharpe, 1993, xi + 353 pp.

Diego Cordovez & Selig S. Harrison, Out of Afghanistan: The Inside Story of the Soviet Withdrawal. Oxford: Oxford University Press, 1995, ix + 450 pp., $35.00.

Andrei S. Grachev, Final Days. The Inside Story of the Collapse of the Soviet Union. Boulder, CO: Westview Press, 1995, xviii + 222 pp., £22.50.

Ilya Prizel & Andrew A. Michta (eds), Polish Foreign Policy Reconsidered. Challenges of Independence. Basingstoke, Macmillan, 1995, xiii + 174 pp., £25.00.

James Riordan, Christopher Williams & Igor Uynsky (eds), Young People in Post‐Communist Russia and Eastern Europe. Aldershot: Dartmouth, 1995, xvi + 215 pp., £39.50.

James von Geldern & Richard Stites (eds), Mass Culture in Soviet Russia: Tales, Poems, Songs, Movies, Plays and Folklore 1917–1953. Bloomington and Indianapolis, IN: Indiana University Press, 1995, xxix + 492 pp., £39.50 h/b, £19.50 p/b.

Katerina Clark, Petersburg, Crucible of Cultural Revolution. Cambridge, MA: Harvard University Press, 1995, xii + 377 pp., £25.50.

Anna Feldman Leibovich, The Russian Concept of Work: Suffering, Drama, and Tradition in Pre‐ and Post‐Revolutionary Russia. Westport, CT and London: Praeger, xv + 166 pp., £44.95.

R. Antony French. Plans, Pragmatism & People. The Legacy of Soviet Planning for Today's Cities. London: UCL Press, 1995, xi + 233 pp.

Roger Brunet, Denis Eckert & Vladimir Kolossov, Atlas de la Russie et des pays proches. Montpellier‐Paris: Reclus‐La Documentation Franchise, 1995, 208 pp., 220Ff.

Bruce Grant, In the Soviet House of Culture: A Century of Perestroikas. Princeton, NJ: Princeton University Press, 1995, xvii + 225 pp., £12.00.

Michael Bourdeaux (ed.), The Politics of Religion in Russia and the New States of Eurasia, The International Politics of Eurasia, Volume 3. Armonk, NY and London: M.E. Sharpe, 1995, xiv + 321 pp., $49.95 h/b, $19.95p/b.