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BSS Microfinance follows the Grameen Bank model of group lending and predominantly offers group loans for a 2-year period with fortnightly repayment. BSS Microfinance, operating predominantly from Karnataka, had a network of 67 branches and a loan portfolio of Rs.184 crore as of September 30, 2013. BSS MICROFINANCE BSS MICROFINANCE Performance on key parameters Loan portfolio increased to Rs.160 crore as on March 31, 2013, from Rs.125 crore as on March 31, 2012, year-on-year growth of 28 percent Maintains healthy collection performance with a collection efficiency of nearly 99 percent....

‘Home to me is a place where my collection of books and music is kept,’ she says. ‘My home is really restful and peaceful. I’m not very materialistic. I don’t buy stuff because it’s in fashion; what I have I’ve collected over the years.’ Here she tells us more about her first memory of home and how she’s gained inspiration for home from the best hotels in the world. My first memory of home… My first memory of home…...

Sniffing an opportunity to overtake these laggards, many digital banks have set up shop in the EU region. These banks have applied light-weight platforms which significantly increase technological interventions. For instance, using e-forms and workflow systems is one way to increase digitization and it does not require any major investments. Going digital does not necessarily mean you have to invest millions in new infrastructure and hiring developers. It can be done by maximizing the use of existing technological platforms....

Food stylist, chef and cookery book writer Alice Hart offers a menu of simple yet imaginative dishes that will set the tone for a relaxed day with family and friends. Time to chalk up these Christmas recipe alongside our favorite party food recipes as all-time winter classics. Our Christmas recipes menu Our Christmas recipes menu The secret to successful entertaining is preparation, so choose dishes that need minimal last-minute work and schedule in some time a day or two before the party....

And while there is little scientific research around this method of gardening, it is one that has been used effectively by farmers, and gardeners, for thousands of years. It also occurs naturally in nature, where certain plants grow together while others are never seen in each other’s company. We can learn a lot from this and use companion planting in our own gardens – especially companion planting fruit and vegetables – to get healthier crops without the need for pesticides....

Cottage gardens should contain something to please everyone – so we have called on the advice of expert gardeners, to find out their favorite cottage garden plants and to sneak a few tips on how to get the most out of them. What are the best plants for a cottage garden? What are the best plants for a cottage garden? We asked gardening expert Jenny Williams for her favorite cottage garden plants....

Design a kitchen sink Design a kitchen sink When considering your long list of kitchen ideas, add kitchen sink ideas – and the faucets, storage and kitchen countertop that will go with it – right at the top. Here, we take you through how to design a kitchen sink area – and our experts bring you some useful advice, too. Where is the best place to install a kitchen sink? Where is the best place to install a kitchen sink?...