An analysis of offer functions of banks and credit unions in Guatemala

Economists have sought to identify institutions which might fill the gap in household access to credit arising from rationing by formal lenders. Credit unions have been identified as institutions which might use informational and monitoring advantages to fill that gap. Using information on household perceptions of their access to credit, this article analyses the impact of certain credit unions on the access to credit of households in Guatemala. Regression results indicate that credit unions serve markets unserved by formal lenders and that information on household perceptions of their access to credit is important in making inferences about lender lending activities.     

5.5 Transportation

Since the early 1990s, reports on topics ranging from neighbourhood renewal and low demand to social exclusion have highlighted the damaging effects of anti-social behaviour. Local authorities are urged to develop a 'holistic' response to anti-social behaviour. Recent research into the effectiveness of legal remedies reveals a tension between attempts to address the underlying causes of anti-social behaviour and the government's emphasis on legal action to control and punish perpetrators. Drawing on this research, the article examines why many landlords are still evicting perpetrators rather than dealing with the underlying causes of their behaviour. The article concludes by outlining the barriers that landlords and other agencies must overcome in order to develop a holistic approach to the problem.     

Regional councils of governments at the crossroads: implications for intergovernmental management and networks

Councils of governments (COGS) have been subjected to powerful forces of change in the 1980s, due principally to drastic reductions in federal financial support. To survive, the councils have had to become more entrepreneural, to extend themselves in new directions They have scanned their local and regional task environments intensively for opportunities to form and/or join new networks and to provide more services in traditional and in new areas. The new style of council is described in this paper, using a market model. The model emphasizes opportunistic scanning of the regional task environment, and the assessment of issue networks as an iterative process in COG direction setting and implementation efforts.     

Film and lantern lectures

The Dutch East Indies. By Amry Vandenbosch. University of California Press. 1941. (Second Edition.)

Wanderer Between Two Worlds: An Autobiography. By Norman Bent‐wich. 8/1/2>” x 5/3/4>”. Pp. vii+358. Kegan Paul, Trench, Trübner and Co., Ltd. 12s. 6d.

Gertrude Bell. By M. R. Ridley. Blackie. 206 pp. Map. Four illustrations. 3s. 6d.

Modern Iran. By L. P. Elwell‐Sutton. Pp. xii+234. Illustrations, maps and plans. Routledge. 1941. 12s. 6d.

Ruz‐gar i Nau. A quarterly illustrated magazine in Persian. No. 2, Autumn, 1941. New York: Doubleday, Doran and Co., Ltd.; London: Hodder and Stoughton. is. net or 20 cents.

Turkey and Britain, is.

This Impertinence. By Peter Arnott. Jenkins. 12s. 6d

Soviet Asia : Its Records and its Problems. By E. S. Bates. Pp. 191 and a map. Jonathan Cape. 8s. 6d.

Green Prison. Twenty Years in Thailand. By W. Leigh Williams. 8/1/2>” x 6”. Pp. 352. Illustrations. London. Herbert Jenkins. 12s. 6d.

The Earth is the Lord's. A novel by Taylor Caldwell. Pp. 400. Collins. 19.41. 9s. 6d.

Genius of Friendship:T. E. Lawrence. By Henry Williamson. 10/1/4>” x 6/3/4>”. Pp. 78. Faber and Faber. 12s. 6d.     

Der sogenannte Auffüllungsanspruch bei der Mietkaution – insbesondere in der Insolvenz

In einem rezenten Judikat hatte sich der OGH mit einer zentralen Frage zur Mietkaution zu befassen. Entscheidungswesentlich war, ob und aus welchem Rechtsgrund der Bestandgaber im Fall von Mietzinsrückständen die Wiederauffüllung der vom Bestandnehmer bestellten Kaution auf den ursprünglichen erlegten Betrag verlangen kann. Zu prüfen war dabei auch die Behandlung dieses Anspruchs in der Insolvenz des Bestandnehmers. Der Beitrag stellt die wesentlichen Aussagen der Entscheidung vor, analysiert ihre Konsequenzen kritisch und zieht Schlussfolgerungen für die Praxis.