write a letter to the President of Gulshan Club to organize a winter festival program in the club premises.
(250 words)
Hints: food, winter clothes, educational things for children, baby foods, time, date, day, etc.
Microcredit is a very hot topic of debate these days! Basically, microcredit involves providing small business loans to the poor who are traditionally marginalized by the usual banking institutions because they lack collateral, or the resources to in other ways pay back a loan should they default on their payments. In the eyes of Western banking, this lack of collateral makes the poor a high credit risk and, by definition, untrustworthy.
