Anjali Kumar

Anjali Kumar, a pragmatic lawyer for Google, was part of a rapidly growing population in America: highly spiritual but religiously uncommitted. But when her daughter was born, she became compelled to find God--or at least some kind of enlightenment. Convinced that traditional religions were not a fit for her, and knowing that she couldn't simply Google an answer to "What is the meaning of life?", Kumar set out on a spiritual pilgrimage, looking for answers--and nothing was off limits or too unorthodox. She headed to the mountains of Peru to learn from the shamans, attended the techie haunt of Burning Man, practiced transcendental meditation, convened with angels, and visited saints, goddesses, witches, and faith healers. She even hired a medium to convene with the dead. Kumar's lighthearted story offers a revealing look at the timeless and vexing issue of spirituality in an era when more and more people are walking away from formal religions. Narrated from the open-minded perspective of a spiritual seeker rather than a religious scholar, Kumar offers an honest account of some of the less than mainstream spiritual practices that are followed by millions of people in the world today as she searches for the answers to life's most universal questions: Why are we here? What happens when we die? Is there a God?

My Unorthodox Search for Something to Believe In

Stalking God

Robert E. Litan

Michael S. Barr

Broad-based and inclusive financial systems significantly raise growth, alleviate poverty, and expand economic opportunity. Households, small enterprises, and the rural poor often have difficulty obtaining financial services for a multitude of reasons, including transaction costs, perceived risk, inadequate infrastructure, and information barriers. Yet many financial institutions are now making profitable inroads into underserved markets through formal banking, investment in equities, venture capital, postal banks, and microfinance. Access to Finance addresses the challenges of making financial systems more inclusive, emulating successful ventures in new markets, and utilizing technologies and government policies to support the expansion of financial access. The contributors examine many dimensions of financial access, including: • Measuring financial access • Understanding the impact of expanded access • Examining alternative institutional models • Exploring new technologies and information infrastructure • Evaluating government policies toward outreach.

A Framework for Financial Access

Building Inclusive Financial Systems

Spanish excerpts from World Bank Technical Paper No. 280 (English), Stock no. 13206.

Trust and Investment Companies

China's Non-bank Financial Institutions

Manuela Francisco

'Enterprise Size, Financing Patterns, and Credit Constraints in Brazil' investigates the importance of firm size with respect to accessing credit. The principal findings are that size strongly affects access to credit compared to firm performance, and other factors, such as management education, location or the industrial sector to which the firm belongs. Additional findings are that the impact of size on access to credit is greater for longer term loans and that public financial institutions are more likely to lend to large firms. Finally, financial access constraints may have a less significant differential impact across firms of different sizes than other constraints, though cost of finance as a constraint is very important.

Analysis of Data from the Investment Climate Assessment Survey

Enterprise Size, Financing Patterns, and Credit Constraints in Brazil

'...very valuable for both policy-makers and researchers...' Professor Athar Hussain, Director, Development Economics Research Programme, STICERD, The London School of Economics and Political Science 'The really novel idea is to bring together the experience of three rather diverse countries and then to discuss Eastern Europe in the light of this experience. State holding companies are likely to play a major role in Eastern Europe over the next ten years or more but very little has been written on them and few of the people advising the East Europeans have any real knowledge about them.' Professor Robert Rowthorn, University of Cambridge '...rich and substantial...' Professor John Toye, Institute of Development Studies, University of Sussex '...most informative...The conclusions are appropriately restrained, well-balanced and wise...The emphasis on the differences between portfolio management and enterprise management is a distinction that East Europe will eventually have to learn.' Raymond Vernon, Emeritus Professor, John F.Kennedy School of Government, Harvard University Large and poorly performing state-owned enterprises pose a problem for countries attempting to move away from government controls towards more liberal economic environments. Privatization is an unproven solution which is proving difficult to implement on a major scale. Intermediate solutions may therefore prove to be the way forward. This book focuses on one of these: the state holding company. It first discusses the state holding company as a managerial form, which permits decentralised public enterprise management, and offers a framework for its analysis. Then, drawing upon the experience of both developed and developing countries, it examines the extent to which the indirect state ownership of public enterprises through holding companies can contribute to transition processes. It shows that the experience of countries like Italy, Egypt and Algeria has direct relevance for institutional structures evolving in the newly transforming countries of Eastern Europe, which are struggling to find a balance between public enterprise ownership and efficiency.

Anjali Kumar

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