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and then sold to investors. This pool is then sold to a bank at a discounted rate, to become a part of the bank's books. This frees up the MFI's balance sheet to lend more. Although securitisation is a bad word post the sub-prime crisis, investors are interested in such paper given the 99% recovery rates for MFI loans. Banks and institutional investors have endorsed the Equities deal since it is backed by good asset quality and a strong underlying cash flow.

Social Dow Jones index

Besides, rating agencies like the Standard and Poor's have rated structured investments that make this type of paper more transparent for investors. 'MFIs are now coming forward to have themselves rated given that investors are extremely selective about the kind of paper they want to invest in,' Gary Kochubka, senior director, emerging markets, structured finance at S&P's said. Investors have found it a daunting task to zero in on credible investments, therefore getting rated helps. Typical investors are pension funds and insurers who have a long term view of the sector, unlike hedge funds who find MFI instruments too illiquid and inconsistent with their short term goals.( Dow Jones, 2010)

The objective of this index to show companies which are using CSR initiatives to become more and more sustainable for the future. This index maps the industries which help in deciding for the investors the business which are looking at the future. They look into the CSR budget of the companies which forms the weight of the index. They also try to quantify the ethical responsibilities shown by the set of companies over the period. The companies selected in the index are benchmarks for social responsibilities. Some of the companies which have performed well to make it to the index are Dell Inc, Johnson & Johnson, Whole foods, Gap Inc, General electric, Chevron, Coca Cola, Computer Associates, and McDonalds. There are other such index also which measure corporate social responsible business. This indices are: ( Dow Jones, 2010)

Dow Jones Sustainability Index
FTSE KLD Social 400 Index
FTSE:GE60

FTSE4 GOOD index Series

Charity Funds

Charity funds are surplus funds that are invested in some investments which can be utilised in the future by the charity. There are many regulations that are control this fund because charity is very sensitive. The size of the investment as percentage of total charity fund needs to be justified so that whatever investments are made are managed properly and are justified. The reason for the same is the sensitive background that is associated with it. This charity funds have two decisions to decide. One of them is to make investments or to utilise this funds for the social business ventures that this organisation can look into.

Government Program

The PSUs are undertaking the micro financing activity through three delivery channels:
a-  Provide funds to micro-finance institutions for onward lending to Self Help Groups (SHGs).
a-  Provide SHGs with credit facility for onward lending to their members

The bank also extends finance up to Rs 50,000 directly for the village and micro-enter本论文由英语论文网提供整理，提供论文代写，英语论文代写，代写论文，代写英语论文，代写留学生论文，代写英文论文，留学生论文代写相关核心关键词搜索。