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In addition to changing their consumption patterns, the rich countries need to further develop their productive capabilities in the area of green technologies. Prior to the adoption of the Law in small loans with no credit checks the existing Russian legislation no definition of "microfinance", "MFI" and any regulatory and legal acts regulating activities microfinance. Procter& Gamble, for instance, has picked up several state-of-the-art Korean factories for next to nothing.

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