A Guide to SME Finance is a brief guide to designing and implementing an SME finance program within a commercial bank or other financial institution, such as an NGO. This work covers the rationale behind SME finance why it makes sense for a bank to enter this market sector, followed by a step-by-step approach to designing and implementing the program. Munro highlights the need to automate the lending process, and offers a lengthy description of how this can be accomplished. Examples of loa...

This important publication provides, for the first time, a comprehensive review of knowledge of reproductive seasonality in teleosts. It addresses why a particular species should show such seasonality, and how environmental cues act as regulators to ensure that reproductive maturation and breeding occur at the optimum time. The book considers the ultimate factors responsible for the evolution of reproductive seasonality in fish. It reviews salient concepts of reproductive seasonality in ma...

Slave to Fortune is an award-winning historical novel. Tom Cheke's world is turned upside-down when he is kidnapped from his home by Barbary corsairs during an audacious night raid.Sold into slavery in seventeenth-century Algiers, Tom carves out a promising, new life only to have it shattered once more. Another twist of fate throws him into the hands of a Scottish knight of the Order of St John and into a turbulent world of ciphers, spies and assassinations.This is...

**Grand Prize Winner of Harlequin's 2015 So You Think You Can Write contestDebut author Lauren D.M. Smith delivers an epic fantasy romance in this soaring tale of a kickass warrior and the emperor she's honor-bound to defend**The bride candidates have been summoned. Their numbers are many, yet only one is an Amazzi warrior. Only one would give her life to protect him.Evony of Aureline, warrior of her people, has no intention of becoming a hideous o...

A Falling Staris the Beginning of a Wish was written for all readers who believe in the possibility of new beginnings. It was written as a pattern book, so that little readers can read along and enjoy the rhythm of the words. The beautiful illustrations capture the hearts of readers of all ages. Parents, grandparents and other faithful people will use this book as a way to share their belief in God and His creation.

Due to the multi-faceted nature of food – as sustenance, symbol, and commodity – diverse theoretical perspectives have been used to study it in archaeology. One of the more influential and versatile of these approaches is behavioral ecology: the study of behavioral adaptation to local environments. Behavioral ecology provides a powerful body of theory for understanding human decision-making in both the past and present. This Element reviews what behavioral ecology is, how it has been used ...

The Tales of Mother Goose, as first collected by Charles Perrault in 1696 are here presented, with a translation by Charles Welsh and an Introduction by M.V. O’Shea. Perrault (1628 – 1703) was among the first writers to bring magical children’s stories into the literary mainstream, proving to his original seventeenth century readers (and those in the present day!) that such works were important, enjoyable, as well as thought-provoking. The stories in this edition of ‘Tales of Mother Goose’...

This concise, practical text covers the essential information veterinary students and nurses, new graduates and practitioners need to succeed in equine practice, focussing on reproduction and the foal. Written for an international readership, the book conveys the core information in an easily digestible, precise form with extensive use of bullet-points, lists, diagrams, protocols and extensive illustrations (nearly 200 full colour, high quality photographs).Part of a five-book seri...

"Fierce Ruthless Warriors Who Shaped Ancient History Vol. I & Vol II: Alexander The Great, Charlemagne, Genghis Khan, Hannibal, Julius Caesar, And Attila The Hun" by Andre T. Smith is a monumental two-in-one volume that brings to life six of the most formidable and influential warrior kings in ancient history. This comprehensive work meticulously chronicles the lives, battles, and staggering accomplishments of these legendary figures, whose actions reshaped the world....

Friendship between man and horse is one of the pillars of civilization. Retired from most of his functions of transport and heavy work, today the horse is an animal companion - and is even used as a therapeutic tool in health treatments - and a classic partner of sports. In this book, the critic August Nemo has selected seven short stories that talk about the intimate relationship between man and horse. This book contains: - Chu Chu by Bret Harte. - The Doctor's Horse by Mary E. Wilkins Fr...

Short stories have always been a sort of instant access into an author’s brain, their soul and heart. A few pages can lift our lives into locations, people and experiences with a sweep of landscape, narration, feelings and emotions that is difficult to achieve elsewhere.In this series we try to offer up tried and trusted ‘Top Tens’ across many different themes and authors. But any anthology will immediately throw up the questions – Why that story? Why that author?The theme ...

In society, the nature of death and humanity's awareness of its own mortality has for millennia been a concern of the world's religious traditions and of philosophical inquiry. Literature has also been a tool for speaking and reflecting on the great mystery of life. Join us in these seven short stories specially selected by the critic August Nemo: - The Story of an Hour by Kate Chopin - A Dead Woman's Secret by Guy De Maupassant - The Sisters by James Joyce - The Boarded Window by Ambrose ...