In 1996 researchers at the University of Texas announced a new battery design offering high performance and a fast rate of charge.
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Even when repayment rates are high, a microfinance institution may charge an interest rate too low to cover its overall costs or its costs of funds, thus making it more of a charity than a commercial enterprise.
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The charge-off rate (uncollectible balances) is also slowly declining, but still remains high.
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