Germany’s Government-Civil Society Development Cooperation Strategy: the dangers of the middle of the road

The Organisation for Economic Cooperation and Development (OECD) has been busy since the late 2000s studying the way aid donors manage their relations with development civil society organisations (CSOs). More than studying these relations, they have made some very detailed, managerialist suggestions about how CSOs should be organised and how donor governments should fund and otherwise relate to them. This came out of the debate about aid effectiveness, which was formally aimed at improving both donor and recipient processes. Donors have quietly dropped many of the aspects related to improving their own performance and yet a number have created new interventionist governance frameworks for CSOs. This is the case in Germany, which has a large, vibrant development CSO sector that has traditionally been quite autonomous, even where its received state funding thanks to Germany’s commitment to ‘subsidiarity.’ Yet Germany is otherwise a middle of the road donor and in many ways, these ‘reforms’ are moving its relations with civil society more towards a somewhat more managerialist approach, one that is in fact the norms amongst OECD donors

South-South Cooperation in Southeast Asia: From Bandung and Solidarity to Norms and Rivalry

This article demonstrates how South-South Cooperation (SSC), as it is now constituted in Southeast Asia, is little more than a liberal norm retaining only echoes of its origins in the 1955 Bandung Conference that first created SSC based on solidarity, common interests, and sovereignty. Southeast Asia is a useful case study of SSC's evolution, as its states have been major players over the decades - with Indonesia proposing the Bandung Conference, Malaysia playing a key role in the 1980s, and Indonesia again at the forefront of the region from the first years of the new century onwards. Thailand and Singapore also have notable SSC programmes. However, the practices of SSC in the region show that it has become a liberal norm based on one key instrument - technical cooperation programmes. The process of SSC norm internalisation has occurred through a complex webbing of the interests and ideas of Southeast Asia’s states, regional dynamics, and Northern donor interests

State and Local Anti-Predatory Lending Laws: The Effect of Legal Enforcement Mechanisms

Subprime mortgage lending has grown rapidly in recent years and with it, so have concerns about predatory lending. In response to evidence of predatory lending, most states have enacted new laws or expanded existing laws to address abuses in the subprime home loan market. The effect of these statutes is a matter of debate. This paper seeks to improve the understanding of this increasingly important issue and pays particular attention to the role that legal enforcement mechanisms play in this context. The results of the analysis are consistent with the view that anti-predatory lending laws influence subprime lending markets and that disaggregating the details of the overall legal framework into its component parts is essential for understanding subprime market dynamics. The restrictions, coverage, and enforcement components all have significant relationships with subprime market outcomes, with the coverage relationship found to be broadly consistent with the reverse lemons hypothesis put forward by Ho and Pennington-Cross (2007). The results also suggest that the newer mini-HOEPA laws have had an impact on the subprime market above and beyond the older preexisting laws, particularly for subprime originations. Broader coverage through these new laws is associated with higher origination likelihoods, while increased restrictions through the mini-HOEPA laws are associated with lower origination propensities

The Impact of State Anti-Predatory Lending Laws: Policy Implications and Insights

The subprime mortgage market, which consists of high-cost loans designed for borrowers with weak credit, has grown tremendously over the past ten years. Between 1993 and 2005, the subprime market experienced an average annual growth rate of 26 percent. As this market emerged, so did allegations that subprime loans contained predatory features or were the result of predatory sales practices.3 In the worst cases, brokers deceived borrowers about the meaning of loan terms or falsely promised to assist them in obtaining future refinance loans with better terms. In other situations, borrowers entered into loans with low teaser rates, not aware how high their monthly payments could go when their interest rates reset

The EQIP GIS, Web-based Decision Program

Working together, NRCS and Purdue University staff developed a GIS, web-based EQIP decision program. Landowners and NRCS personnel enter required EQIP information via a mapping service. Other subroutines store the information for use by NRCS in ranking and funding EQIP applications that receive the highest scores subject to budget constraints.Research and Development/Tech Change/Emerging Technologies,

The Impact of Predatory Lending Laws: Policy Implications and Insights

Over half the states and several localities have enacted statutes and ordinances to regulate abuses in the residential mortgage market. The effect of these statutes is a matter of debate. This paper seeks to improve the understanding of this increasingly important issue and pays particular attention to the role that legal enforcement mechanisms play in this context. We created a legal index of laws governing mortgage lending terms and practices, giving each state an overall score for the strength of its laws. In addition, we disaggregated the index to create sub-indices along three dimensions: (1) the scope of loans covered by the laws; (2) the prohibited loan terms and practices; and (3) the strength of the legal enforcement mechanisms. We use these indices to determine the effect of anti-predatory lending laws-- using both total index scores and the scores using the sub-indices-- on loan applications, originations and rejections. To control for variations within state borders, we employ a geographic sampling approach that focuses on lending activity along state borders, including only loans that were originated in a county that is geographically along a state border and if at least one of the two abutting states has an anti-predatory lending law. We find that the extent of coverage, restrictions, and enforcement embodied in a state\u27s legal framework is associated with significant changes in the probability that a subprime application is rejected and a subprime loan is originated. Coverage is associated with lower subprime rejection probabilities. Restrictions tend to increase the likelihood of rejection and hence retard originations in the subprime market. Finally, the key result in the analysis of enforcement is that stronger enforcement mechanisms reduce subprime rejection probabilities. We conclude the paper by discussing the possible implications of these findings, including how anti-predatory lending laws may have shaped borrower and lender behavior and how our results can help inform shape future lending regulations. This paper makes a timely contribution given the current crisis in subprime lending and the call for increased scrutiny of lenders and the loans they originate

Safe-by-Design part II: A strategy for balancing safety and functionality in the different stages of the innovation process

Manufactured nanomaterials have the potential to impact an exceedingly wide number of industries and markets ranging from energy storage, electronic and optical devices, light-weight construction to innovative medical approaches for diagnostics and therapy. In order to foster the development of safer nanomaterial-containing products, two main aspects are of major interest: their functional performance as well as their safety towards human health and the environment. In this paper a first proposal for a strategy is presented to link the functionality of nanomaterials with safety aspects. This strategy first combines information on the functionality and safety early during the innovation process and onwards, and then identifies Safe-by-Design (SbD) actions that allow for optimisation of both aspects throughout the innovation process. The strategy encompasses suggestions for the type of information needed to balance functionality and safety to support decision making in the innovation process. The applicability of the strategy is illustrated using a literature-based case study on carbon nanotube-based transparent conductive films. This is a first attempt to identify information that can be used for balancing functionality and safety in a structured way during innovation processes

Nitrogen abundance in Comet Halley

Data on the nitrogen-containing compounds that observed spectroscopically in the coma of Comet Halley are summarized, and the elemental abundance of nitrogen in the Comet Halley nucleus is derived. It is found that 90 percent of elemental nitrogen is in the dust fraction of the coma, while in the gas fraction, most of the nitrogen is contained in NH3 and CN. The elemental nitrogen abundance in the ice component of the nucleus was found to be deficient by a factor of about 75, relative to the solar photosphere, indicating that the chemical partitioning of N2 into NH3 and other nitrogen compounds during the evolution of the solar nebula cannot account completely for the low abundance ratio N2/NH3 = 0.1, observed in the comet. It is suggested that the low N2/NH3 ratio in Comet Halley may be explained simply by physical fractionation and/or thermal diffusion