By Dialogo March 31, 2009 Speakers at a forum here organized by the the International Movement Against All Forms of Discrimination and Racism sounded the alarm against the growing criminalization of Indians’ social protests in Latin America, especially in Mexico. The U.N. special envoy for Mexico’s indigenous peoples, Rodolfo Stavenhagen, said at the IMADR event in Berlin that while some governments were promoting freedom for minorities, in practice these new policies are not being applied. “Indigenous peoples have a long history of suffering discrimination throughout Latin American countries and many of them are still the victims of racism, injustice, corruption and violent repression,” he told Efe. Stavenhagen criticized the fact that attacks on Indians have become “generalized” in countries like Colombia and Mexico – where a month ago two Indian human-rights activists were found murdered – while in others like Guatemala and Ecuador “the situation is not very good either.” “The laws that have been passed may be more or less wonderful, but there are big lapses in implementing these statutes,” he said. Stavenhagen said, however, that concrete measures are being taken in response to minority complaints, such as the decision this month by Brazil’s supreme court to create the reservation known as Raposo Serra do Sol. The new reservation, which occupies some 1.7 million hectares (4.2 million acres), is inhabited by about 18,000 people of the Macuxi, Taurepang, Wapixana, Ingariko and Patamona ethnicities. “We have good and bad situations, although apparently the bad ones are more permanent than the good,” he said. Stavenhagen signaled loss of land as one of the chief survival problems of these minorities, whose territories in coastal and wooded areas have been taken over for “exploitation by giant corporations” searching for water and raw materials. The IMADR forum, organized in conjunction with the Central Council of German Sinti and Roma, a Gypsy rights group, was held under the title “Maintaining the rights of minorities: lessons and challenges from Europe, Africa, Asia and America.” IMADR was founded in Tokyo in 1988 and is a consulting body of the United Nations Economic and Social Council.
5SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr CUs need a long-term strategy that includes a mobile presenceby: Bill MeyerBetween 2015 and 2020, the auto lending marketplace faces a far-reaching transformation, with planned and unexpected changes in regulations, consumer trends, the economy, and technology all playing a role.To meet current and long-term goals, credit unions need a long-term strategy that helps drive more auto loans. This strategy must be designed to give CUs a competitive advantage over banks and other lenders vying for consumer loans and loyalty. It also needs to take into consideration the entire auto shopping and buying process, the significant presence of young people in the car-buying market, and trends in remote service delivery–especially mobile.The Lending LandscapeCredit unions face an increasingly competitive auto loan marketplace. CUs captured 24 percent of all auto loan originations in Q3 2014 according to research from Experian; they continue to increase their market share, with auto loans comprising 31 percent of their total portfolio, according to data from Callahans. However, banks still hold 38 percent market share in the auto lending marketplace to credit unions’ 19.5 percent, finds Autocount.The Internet and mobile are transforming auto shopping by giving buyers the ability to research models, prices and inventories—across multiple devices—long before setting foot on a car lot. With smartphone apps, buyers can check book value, prices and availability during final negotiations.Notably, JD Power’s Power Information Network finds that Generation Y represents more than 25 percent of all retail autosales and predicts it will represent more than 40 percent of all vehicle purchases by 2020. The ability to be always connected and always consuming information presents implications for marketers and lenders alike. continue reading »