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Whereas often the disruption of industries due to new business models and increased customer centricity is discussed in the context of for profit firms, this symposium highlights the importance of these themes for the non profit sector. For the microfinance sector, three new microfinance business models have been identified as promising models for the future: mobile money, agent banking and crowdfunding. The new models are able to improve the traditional microfinance model by increasing the reach of customers, increasing the funds available for loans, while lowering transaction and operation costs. In this blogpost I dive further into the crodwfunding model for microfinance and review a related paper. According to Hamari et al. 2016 crowdfunding and other sharing economy models have emerged due to a range of technological developments which simplified sharing of both physical and nonphysical goods and services through the availability of various information systems on the Internet.
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The combination of yoga and Pilates offers students many well rounded benefits for both the body and the mind. These benefits include flexibility, core strength, increased muscle strength, weight loss, decreases stress, relieves anxiety, injury prevention, improved breathing and increased balance. I prefer to exercise the same way we recommend to our students. I incorporate both yoga and Pilates as my weekly fitness routine. It works well because yoga and Pilates compliments each other with the benefits surrounding balance, flexibility and strength. I am able to maintain a healthy body and mind.
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I believe this one could be a flat backed instrument, perhaps an early chitarra Italian for gitarra gittern type lute instruments. below; vihuela guitar with bent back lute style peg head, Apollo, Franchinus Gaffurius, Practica Musicae, Milan, 1496. Below; Vihuela de mano, Valencia Spain, c. 1500. I believe this instrument had a single cut. Below; Vihuela de mano, Sardinian school, c. 1500, smooth curved indented waist and perhaps single stung as well, see the blow up following. Above I said that most vihuelas and guitars of the mid 1400s are thought to have had only four courses of strings and were tuned either in all 4ths, or as 4th 3rd 4th lute kernel. Some five coursers were appearing as well. Five course bowl back lutes had already been around for quite a while and perhaps even six and most definitely they were in Spain being Moorish influenced since 8th century. Take a look at the instruments seen in the circa 1250 AD Cantigas illuminations alone.