D+C 01/2006   Editorial Hans Dembowski: Human right to financial services Monitor Hong Kong: near failure Strengthened individual, weakened state Budget crisis averted Fewer landmine victims Health services: passing by the poor NGOs claim Iraq is selling oil reserves More people infected with HIV French NGOs take stock of government action Millennium Goal still a long way off Focus: Microfinance “In the long run, clients will prefer individual loans” Microcredit world record Social control and group solidarity “Prime example of pro-poor growth” Mitigating risks in Uganda Never too little Tribune The importance of Europe Attention deficit Neglected war victims “Pull together” InWEnt Forum Soccer can eliminate prejudice Soccer network with a social mission One year on Media Make law not war Human security: useful survey Anchor country China: business perspectives Energy policy: a worthy introduction Debate Ban on torture: Europe’s responsibility EU consensus: overdue but incomplete Kenya: the president’s defeat Climate protection: Kyoto progress