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Fifthly, microfinance is about constructing everlasting localfinancial institutions. For this exam existthere is need examination mobilize forlocal savings, give loans and provide other services. As localinstitutionsand capital markets mature, there will be less dependence on investment fromdonorsSixthly, microcredit is not always University answer. There shouldtherefore availability of other tools examination supplement microcredit like employmentand training courses, or infrastructure improvements . Seventhly, attention rate ceilings hurt poorpeople by making it harder for them examination get credit. Experience shows that whengovernments alter attention rates, they usually set them at levels so lowthat micro credit cannot cover its costs, so such regulation can be prevented. The first type is hubristic alpha pride, which refers exam an overly helpful view of University self which could bring about poor social consequences Lewis 1997; Tangney 1999. The second kind of pride is referred exam as genuine beta pride, which arises from quizzes specific result, along with appearing quizzes certain task well, or buying an object of value Tangney 1999; Tracy and Robins 2004. This type of pride is theory examination facilitate adaptive behaviors and boost social capital. Beta pride would account for University belief that owning quizzes crisp bill will lead examination social approval. Beta pride henceforth referred exam as pride is believed exam motivate behaviors geared toward future status attainment Tracy and Robins 2007a, 150. Hence, unlike generalized positive affect, it is theory examination encourage people examination incur short term costs for bigger social benefit Tracy and Robins 2007b; Williams and DeSteno 2009.
