50 to 90 percent of the population of developing countries remain outside the services of formal credit institutions. Low-income households are constrained in their "credit worthiness" by factors such as low and or irregular wages, jobs in the informal sector, seasonal employment and very low holdings of marketable assets. This has led to dependence on informal credit markets to satisfy their credit needs. For example, for housing loans, it is imperative for a potential bank loan borrower to have tenure holding on the land on which the house is to be built, among other requirements. This summararily excludes all squatter households. In a survey, more than 95% of the finance used to build a house came from personal savings and borrowing from the informal market. There have been special programs targeting low-income households, but these have been few and far between.
The Encyclopedia of World Problems and Human Potential is a unique, experimental research work of the Union of International Associations. It is currently published as a searchable online platform with profiles of world problems, action strategies, and human values that are interlinked in novel and innovative ways. These connections are based on a range of relationships such as broader and narrower scope, aggravation, relatedness and more. By concentrating on these links and relationships, the Encyclopedia is uniquely positioned to bring focus to the complex and expansive sphere of global issues and their interconnected nature.
The initial content for the Encyclopedia was seeded from UIA’s Yearbook of International Organizations. UIA’s decades of collected data on the enormous variety of association life provided a broad initial perspective on the myriad problems of humanity. Recognizing that international associations are generally confronting world problems and developing action strategies based on particular values, the initial content was based on the descriptions, aims, titles and profiles of international associations.
Non-profit, apolitical, independent, and non-governmental in nature, the UIA has been a pioneer in the research, monitoring and provision of information on international organizations, international associations and their global challenges since 1907.