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Fiscal Cliff, Slow Progress Darken Housing Forecast: UMD Expert

COLLEGE PARK, Md. – After its greatest collapse in 80 years, the housing market appears to be bottoming out with stabilizing home prices and many markets experiencing price gains. Still, “it may be premature to call this a ‘real recovery,’” says Cliff Rossi, Tyser Teaching Fellow and executive-in-residence for the University of Maryland’s Robert H. Smith School of Business. “Looking into 2013, the ‘fiscal cliff,’ regulatory reform and other factors could put a drag on markets through the year.” (more…)

Fingerprints for Financing: Removing Some Risk from Lending in Africa

By Guest PostOctober 16, 2012Economy, Generalafrican nation, american, biometric identification, birth certificate, computer, control trial, credit history, dean yang, defaulting, economic review, economist, fingerprinting, id, identification system, jessica Goldberg, malawi, michigan, microfinance institution, national, negative association, paprika, paprika farmer, positive association, record, rural area, scanned fingerprint, software, southeastern, university, witchcraft, world bank, xavier gine

ANN ARBOR — Some called it “witchcraft.” Others just watched in awe as their scanned fingerprints were used to pull up their records on a computer.

They were paprika farmers in Malawi participating in a new study that shows fingerprinting can help encourage borrowers to repay their loans.

Like many impoverished countries, Malawi lacks a national identification system. Most of the population lives in rural areas with few government services. Even ID as basic as a birth certificate is rare in the southeastern African nation. (more…)

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Fiscal Cliff, Slow Progress Darken Housing Forecast: UMD Expert

Fingerprints for Financing: Removing Some Risk from Lending in Africa