My warmest congratulations to you all. I understand you are also having your Annual Congress over two days carrying the theme “The Growing Role of Human Resource Managers in Modern Business Organisations” which, I believe, fits well in the current social and economic context.
See Opportunity Finance Network (2009), CDFI Market Conditions Report: Fourth Quarter 2008, OFN, April. 9  In the fourth quarter of 2008, 63 percent of reporting CDFIs reported an increase in credit applications, while over the prior quarter, 52 percent saw an increase in delinquencies. See CDFI Market Conditions Report, note 8. 10  Earned revenues represent 53 percent of CDFI total operating revenues.